As the US mutual insurance industry turns its sights toward 2023, many companies believe they are operating in the most dynamic reinsurance environment that the market has experienced in 15 years. The accuracy of that perception is revealed as part of a deeper look into today’s reinsurance market featured in the fifth annual Mutual Factor report released last week by the National Association of Mutual Insurance Companies (NAMIC) and Aon, during NAMIC’s 127th annual convention in Dallas (USA).