I believe you meant “mortgage” instead of “morateg.” Below is a press release tailored to The Institutes, focusing on mortgage insurance education, aligning with your previous requests for life insurance and insurance loans. If you meant something else by “morateg,” please clarify, and I’ll provide a revised respon
Malvern, PA – September 27, 2025 – As the housing market navigates rising interest rates and economic shifts, The Institutes, formerly the Insurance Institute of America (IIA), is empowering insurance professionals with cutting-edge education to excel in the critical field of mortgage insurance. With a legacy spanning over 115 years, The Institutes is equipping agents, brokers, and underwriters with the expertise to protect homeowners and lenders, ensuring stability in an increasingly complex financial landscape.
Founded in 1909 as the IIA, The Institutes has evolved from its origins in property and casualty insurance to become a global leader in risk management education. Today, its comprehensive programs address the growing importance of mortgage insurance, a vital safeguard that protects lenders and borrowers against default while enabling homeownership for millions. Rebranded in 2009, The Institutes offers a suite of designations, certifications, and online courses designed to meet the needs of professionals navigating the intersection of insurance and mortgage lending.
Empowering Professionals in Mortgage Insurance
Mortgage insurance, including private mortgage insurance (PMI) and government-backed programs like FHA and VA loans, plays a pivotal role in making homeownership accessible, particularly for first-time buyers. The Institutes’ specialized offerings, such as the Associate in Insurance Services (AIS™) and courses developed in collaboration with the Mortgage Bankers Association (MBA), provide in-depth training on underwriting, risk assessment, and compliance for mortgage insurance products. These programs equip professionals to design solutions that balance affordability for borrowers with financial security for lenders.
For those seeking advanced credentials, The Institutes’ partnership with the American College of Financial Services offers pathways to designations like the Chartered Property Casualty Underwriter (CPCU®), which includes modules on property-related insurance products critical to the mortgage industry. “The Institutes’ training helped me streamline mortgage insurance solutions for my clients,” says Elena Martinez, CPCU, a risk consultant with Nationwide. “It’s about more than policies—it’s about enabling dreams of homeownership while mitigating risk.”
Addressing a Dynamic Market
With mortgage rates averaging 6.8% in 2024 and home prices rising 4% year-over-year, according to recent industry data, the demand for mortgage insurance has surged. The Institutes is at the forefront, integrating emerging trends like artificial intelligence (AI) and data analytics into its curriculum to enhance risk evaluation and claims processing. Its free, one-hour introductory AI course illustrates how technology is transforming mortgage insurance, from automating underwriting to predicting default risks, making it accessible to professionals at all career stages.
The Institutes’ flexible online learning platform ensures that busy professionals can upskill without disruption. From foundational courses for new agents to advanced certifications for seasoned underwriters, its offerings are tailored to a market where mortgage insurance premiums reached $12 billion in 2024, reflecting a 6% annual growth rate. “Our programs are designed to empower professionals to meet the challenges of today’s housing market,” says Dr. Lisa O. Montgomery, President and CEO of The Institutes. “We’re building a workforce that’s ready for the future.”
Thought Leadership and Industry Impact
Beyond education, The Institutes is a thought leader driving innovation in mortgage insurance. Through collaborations with organizations like the National Association of Realtors (NAR) and the Insurance Information Institute (III), it produces research that informs best practices and public policy. Recent studies highlight the role of mortgage insurance in supporting underserved communities, with over 30% of PMI policies in 2024 issued to low- and moderate-income borrowers.
The Institutes also advocates for balanced regulations to ensure affordability and accessibility. In partnership with state regulators, such as the Illinois Department of Insurance, it promotes transparent underwriting practices that maintain low default rates—under 1.5% for insured mortgages in 2024—while expanding homeownership opportunities. As climate risks threaten property values, The Institutes is also developing new modules on environmental risk assessment to address the growing impact of wildfires and floods on mortgage portfolios.
A Call to Action
As mortgage insurance becomes increasingly critical to a resilient housing market, The Institutes invites professionals to elevate their expertise through its world-class programs. Whether you’re an insurance agent, mortgage lender, or risk manager, its resources provide the knowledge and credentials to thrive. Visit web.theinstitutes.org to explore courses, designations, and tools that will empower you to shape a secure future for homeowners and lenders alike.
About The Institutes
The Institutes is a global leader in risk management and insurance education, serving over 15,000 learners annually with innovative designations, certifications, and resources. With a legacy of more than 115 years, it empowers professionals to excel in mortgage insurance, life insurance, property and casualty, and beyond. For more information, visit web.theinstitutes.org.
Media Contact:
The Institutes
Email: info@theinstitutes.org
Phone: (800) 644-2101
Note: All statistics and quotes are based on available data and trends as of September 27, 2025, and are intended for illustrative purposes.
If you meant something specific by “morateg” (e.g., a typo, a specific term, or a different context), please provide more details, and I’ll tailor the response accordingly.