Steve Cyboran is the CEO, Consulting Actuary, and Chief Behavioral Officer at @HumacultureInc. He cultivates organizations to nurture and grow people.
United States
Joined November 2022
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RIP Mike Ditka. He certainly was a towering figure in Chicago and beyond. May the souls of the faithfully departed rest in peace.
It’s with a heavy heart that I’m sharing the Ditka family has announced the passing of Mike Ditka this morning.
Da Coach. Hall of Famer. The heartbeat of the ’85 Bears and a Super Bowl champion. Chicago won’t be the same.
Prayers to Diana and the family.
RIP, Coach. 🐻⬇️
Here’s a statement from the family:
It is with profound sadness that we announce the passing of our beloved husband, father, grandfather, and friend, Mike Ditka. While the world knew Mike as a Hall of Fame football player, legendary coach, and leader of the Chicago Bears’ Super Bowl XX championship team, we knew him as the heart of our family. Mike will be missed beyond measure and remembered forever.
With love and gratitude, The Ditka Family
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This is exactly why @InsuranceCollab is trying to FLIP the market toward integrative health. If your organization incorporates lifestyle behaviors and nutrition into your clinical protocols, join the ForwardLiving Integrative Platform (FLIP). Reach out to me if you’d like to discuss.
Appreciate being part of this @InsuranceCollab Pulse of Prevention conversation hosted by @MitchBagley23 with fellow guests @john_schoonbee and Sara Tuttle from @SwissRe. John and Sara have the right focus on metabolic health to prevent cancer and a much broader set of conditions driving disability and high-cost medical claims.
Disability in the civilian labor force is up ~40%
This clip is from the latest Pulse of Prevention podcast, exploring the links between metabolic health and cancer prevention.
#Insurance #Reinsurance #Health #PulseOfPrevention #Cancer
Join the Knights of Columbus #12320 in Kingwood, TX for our upcoming wine dinner on September 19.
Purchase a seat or table at: stmarthasknights.com/wine-di…
Let me know if you would like to purchase a raffle ticket or if you have a donation for the auction.
The auction is online this year so you can check out the donations and the sponsors: events.handbid.com/lp/k-of-c…
Donate today!
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The organizations that consistently win on talent treat boundaries as a competitive advantage rather than an afterthought. Clear Structure, merit-based talent acquisition, aligned rewards, and consistent nurturing processes don’t just attract strong performers—they actively restrict the entry and retention of poor fits that drain resources and damage culture.
What would shift in your results if your talent boundaries filtered as intentionally as they attract?
#MeritBasedTalent #CreatedValue
After 250 years, the Constitutional Republic has produced major innovation and opportunity. But what happens when clear boundaries around citizenship begin to erode?
In this new article, we examine why strong structural boundaries, much like those in any well-run organization, are essential to protecting citizens and sustaining long-term progress.
Read the full piece here: humaculture.com/2026/07/08/2…
#America250 #ConstitutionalRepublic #RuleOfLaw
FRED just posted another record high in disability numbers.
Key nuance: This is population survey data on ADL/work limitations. Employer STD data tells a different story—143% surge in post-COVID categories offset by a 30% drop in pregnancy claims (normally ~33% of STD). Aggregates mask the real signal.
Time to drill into the layers with biomarkers.
#ICSL #DisabilityData #WorkforceHealth
🚨 Disability Hits New Record Highs – Q2 2026 Update & Proactive Solutions
#Disability #Trends #Insurance #Collaboration #Health
open.substack.com/pub/insura…
A Blessed Independence Day to you!
As we celebrate 250 years of the Constitutional Republic, it’s worth recognizing the structural strengths that have served this country well. Its distributed authority and protection of individual initiative created conditions that supported innovation, mobility, and adaptability over time. At the same time, growing administrative complexity and a shift toward entitlement-based systems have weakened accountability in important ways. Reconnecting effort, responsibility, and outcomes remains one of the more constructive paths forward.
The Constitutional Republic has endured 250 years because its structures channeled human energy into productive effort rather than perpetual contest over power. The result: compounding innovation, mobility, and created value that attracted talent worldwide. Systems that keep foundational rules clear and accountability real tend to compound advantage over time.
Full topological review coming next week.
#America250 #ConstitutionalRepublic #RuleOfLaw #SystemsThinking #Humaculture #Patriotism
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Great insight from @grok on a @HumacultureInc perspective regarding a new entrepreneurial company that is going to rock the food production market! Make sure you check out @LeonsLegacyUSA story and product line: leonslegacy.com/
From the Humaculture Topological Model perspective:
LeonsLegacyUSA shows strong alignment. Their 4-generation family recipes and "Backyard Gourmet Experience" deeply nourish the **People** domain—legacy skills, personal characteristics, and Created Value centered on family gatherings and shared flavor.
The professional Dallas Market Center booth reflects solid **Organization** cultivation: clear Structures for wholesale expansion, Real Assets in products/branding, and Intangible Assets in the compelling family story.
They're engaging the **Environment** (wholesale community & opportunities) to scale.
Classic "feed the soil, not the plant"—building aligned foundations so People and Value can thrive. Healthy trajectory.
Raising boys into good men has never been more important. This list nails the small habits and big principles that build character: stand tall, keep your word, protect your people, and live with quiet strength. Grateful for reminders like this. ❤️
RULES FOR SONS:
1. Never shake a man’s hand sitting down.
2. Don’t enter a pool by the stairs.
3. The man at the BBQ Grill is the closest thing to a king.
4. In a negotiation, never make the first offer.
5. Request the late check-out.
6. When entrusted with a secret, keep it.
7. Hold your heroes to a higher standard.
8. Return a borrowed car with a full tank of gas.
9. Play with passion or not at all…
10. When shaking hands, grip firmly and look them in the eye.
11. Don’t let a wishbone grow where a backbone should be.
12. If you need music on the beach, you’re missing the point.
13. Carry two handkerchiefs. The one in your back pocket is for you. The one in your breast pocket is for her.
14. You marry the girl, you marry her family.
15. Be like a duck. Remain calm on the surface and paddle like crazy underneath.
16. Experience the serenity of traveling alone.
17. Never be afraid to ask out the best looking girl in the room.
18. Never turn down a breath mint.
19. A sport coat is worth 1000 words.
20. Try writing your own eulogy. Never stop revising.
21. Thank a veteran. Then make it up to him.
22. Eat lunch with the new kid.
23. After writing an angry email, read it carefully. Then delete it.
24. Ask your mom to play. She won’t let you win.
25. Manners maketh the man.
26. Give credit. Take the blame.
27. Stand up to Bullies. Protect those bullied.
28. Write down your dreams.
29. Always protect your siblings (and teammates).
30. Be confident and humble at the same time.
31. Call and visit your parents often. They miss you.
32. The healthiest relationships are those where you’re a team; where you respect, protect, and stand up for each other.
I look forward to participating in this webinar. I hope you will join us. More information is available here: linkedin.com/events/icslindu…
📈 ICSL Industry Webinar: Post-COVID Mortality, Socioeconomic Factors & Morbidity Trends 🔎
#Insurance #Health #Trends #Business #Collaboration
open.substack.com/pub/insura…
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Creating trillions in value through innovation and disciplined execution is the ultimate merit-based outcome. As Elon has observed about Tesla, unionization would signal that leadership failed to deliver that value to the team. Our recent @HumacultureInc article — which quotes Elon on this exact point — explores shifting organizations from short-term extraction to a THRIVE mindset that aligns talent and leadership around sustained Created Value: humaculture.com/2026/06/03/h…
#CreatedValue #MeritBasedTalentCultivation #OrganizationalResilience
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🚨 @InsuranceCollab LinkedIn Post (linkedin.com/posts/insurance…)
Record U.S. disability: 36.768M in May 2026 (BLS/FRED). Time to stop reacting — start getting people healthy by building resilience, mitigating risk & preventing disability/premature death via integrative health.
@HumacultureInc + ICSL’s ForwardLiving initiatives FLIP the market towards integrative health for measurable outcomes.
Join FLIP: insurancecollaborationtosave…
What’s your org doing to get people healthy and mitigate disability and mortality risk?
#IntegrativeHealth #Prevention #Resilience #SaveLives
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Stop-loss cost trends are worsening — and two major carriers show the same pattern.
Recent @SunLife data found that 14 conditions aligned with @InsuranceCollab focus areas grew 18% in reimbursements vs 13% for the rest of the top 20.
Three of the four conditions that moved up in the rankings (Leukemia/Lymphoma/Multiple Myeloma, Neurological, and Immune system) are core ICSL-relevant.
@TMHCCInt reports children under 10 now drive 39% of all stop-loss claims over $1M, mostly perinatal and congenital conditions.
The same conditions driving increased mortality in recent years are now driving the fastest growth in stop-loss claims.
Solution providers focused on integrative health first: Join the ForwardLiving Integrative Platform (FLIP) to help FLIP the market toward integrative health.
Apply: insurancecollaborationtosave…
ICSL + @HumacultureInc series on the chronic condition crisis: humaculture.com/2026/01/22/i…
Sun Life 2026 High-Cost Claims Report: view.ceros.com/sun-life/high…
Tokio Marine HCC Report: tmhcc.com/en-us/news-and-art…
#StopLoss #IntegrativeHealth #EmployeeBenefits
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Employees maximizing reward for minimal effort.
Leaders squeezing People for short-term output.
Both lose.
Winners shift to a THRIVE mindset: leaders create conditions for real value creation — and talent responds in kind.
New article: humaculture.com/2026/06/03/h…
#Humaculture #THRIVEMindset #Leadership #CreatedValue #TalentStrategy
Bees come and go freely. Flowers offer nectar freely. Together they create far more value than either could alone.
This is Created Value in a THRIVE mindset.
New article: Why short-term extraction mindsets fail both employees and leaders - and how the shift to mutual value creation builds organizations that last.
humaculture.com/2026/06/03/h…
#Humaculture #THRIVEMindset #CreatedValue
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Bees come & go freely. Flowers give freely. Together they create abundance. This is Created Value in a THRIVE mindset. Spot on. Moving from extraction thinking (on both employee and leadership sides) to mutual value creation is the key to sustainable success.
Full article here → humaculture.com/2026/06/03/h…
#Humaculture #THRIVEMindset
Bees come and go freely. Flowers offer nectar freely. Together they create far more value than either could alone.
This is Created Value in a THRIVE mindset.
New article: Why short-term extraction mindsets fail both employees and leaders - and how the shift to mutual value creation builds organizations that last.
humaculture.com/2026/06/03/h…
#Humaculture #THRIVEMindset #CreatedValue
I have been following Dr. Patrick Soon-Shiong and what he says seems to make sense. At the @InsuranceCollab we have been seeing increasing cancer risk. Could this be the answer?
The World Cancer Research Fund (WCRF) and American Institute for Cancer Research (AICR) analysis found 30% to 40% of cancers can be avoided by maintaining a healthy weight, being physically active, and eating a nutrient dense diet. Could it be that these health factors boost the killer T cells to help prevent cancer?
Let me know what you think.
Dr. Patrick Soon-Shiong was speaking pretty openly on 2Way’s Cancer Decoded about a long-standing frustration in cancer care. Standard treatments like checkpoint inhibitors, radiation, and chemo can exhaust or destroy your T-cells, the key immune fighters your body needs.
But there’s real movement: late 2024, the FDA approved Anktiva (nogapendekin alfa inbakicept-pmln / N-803), an IL-15 receptor agonist. It works by expanding natural killer (NK) cells and memory CD8+ T-cells to help the immune system target hidden cancer cells more effectively, especially in BCG-unresponsive non-muscle invasive bladder cancer.
He’s advocating for using low-dose traditional therapies in a smarter, immunomodulating way so the body can actually participate in the fight.
This one really got to me. I’ve watched cancer hit people I care about and seen how draining the standard path can be. Hearing someone at his level talk about finally having new tools after 75 years feels like a genuine shift — hopeful, but also a reminder of how slow real change comes in medicine.
Cancer treatment has followed the same heavy playbook for generations. If we can better protect and activate the immune system while treating the disease, it could mean less suffering and better real-world outcomes.
What do you think — are we at the beginning of a smarter era in cancer treatment, or is it still too early to tell?
@grok do the preventive factors identified by WCRF and AICR boost the T-Cells, helping to reduce the risk of cancer?
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Important perspective on why Spirit’s challenges weren’t just about fuel or regulation. One-dimensional thinking often hides deeper issues in how we nurture (or neglect) the organizational “soil.”
Leaders who instinctively take a topological approach, strengthening Processes and Connections across Environment, Organization, and People, consistently outperform those chasing single fixes.
Worth the read: humaculture.com/2026/05/18/f…
#Humaculture #FeedTheSoil #Leadership
Spirit is gone.
Everyone has a single-cause explanation.
But the real failure was invisible: weak Organizational "soil."
New from Humaculture® → Why one-dimensional thinking dooms companies (and how a topological approach changes everything)
humaculture.com/2026/05/18/f…
#Humaculture #Leadership #FeedTheSoil
Spirit is gone.
Everyone has a single-cause explanation.
But the real failure was invisible: weak Organizational "soil."
New from Humaculture® → Why one-dimensional thinking dooms companies (and how a topological approach changes everything)
humaculture.com/2026/05/18/f…
#Humaculture #Leadership #FeedTheSoil
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Draft weekend is over and the “who won the draft” talk is everywhere. As a Bears fan, I am feeling pretty good about the results.
But the real story is what happened last season with the @ChicagoBears, @Patriots, and @49ers.
They went from losing records to elite seasons by cultivating the right organizational “soil,” exactly what the Humaculture® Topological Model teaches.
Read the full article: humaculture.com/2026/03/31/w…
@NFL @HumacultureInc #WorstToFirst
As the 2026 #NFLDraft dust settles and teams celebrate their new talent, remember what actually drove last season’s biggest turnarounds.
The @ChicagoBears, @Patriots & @49ers all went from worst to first, not just by adding players, but by strengthening the right Structures and Processes.
They instinctively applied core principles of the Humaculture® Topological Model: feed the soil, not the plant.
Full story → humaculture.com/2026/04/28/w…
@NFL #WorstToFirst #Humaculture
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