What to Expect in 2025 With traditional insurance coverage continuing to become more expensive and less easily available, a more proactive approach to risk management will be required. AfÒuent families will need to be increasingly cognizant of potential risks in their lives and take proactive steps to safeguard their loved ones, assets, personal data and financial security. Given their dynamic lifestyles and the ever-shifting risk environment, families need to be vigorously engaged in improving their resilience and managing their risk exposures. This will require more frequent, wider-ranging discussions with their risk advisors. 25% of HNW respondents cited safety as one of their emerging top concerns, up from 15% only a year ago. Source: HUB International 2025 Outlook High-Net-Worth Survey 2