The article discusses how having too many investments in one sector can be risky for insurance companies. Current regulations only focus on the risk of having too much money in one company, not one sector. The researchers looked at data from US insurers and found that many of them have a lot of their money in financial, public, and real estate sectors. This could be because they are trying to make more money. The researchers also found that the current rules for how much money insurers need to have in case of losses might not be enough. They suggest that the rules should be changed to consider sector risk too.