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Financial Assessment of the US Insurance Industry 

  • September 2015
  • -
  • Frost & Sullivan
  • -
  • 70 pages

Financial Assessment of the US Insurance Industry : Best Performers are Well Positioned to Face Evolving Digital and Regulatory Challenges

This research service provides a holistic picture of the US insurance industry. It analyzes financial data, identifies top performers, discusses relevant trends, and offers an overview of the financial state of the industry. The study divides insurance providers into 2 categories: life and health, and property and casualty. Analyses in both categories consist of profitability, cost management, underwriting, capital, solvency, and liquidity ratios. The study identifies and ranks top-performing companies in terms of financial and risk management regardless of their size and category. Top performers also are listed by revenue range and insurance category.

Executive Summary

The US insurance industry is becoming increasingly digital and grappling with the nuances of changing business models, regulations, and other structures. Industry Analysis The insurance industry is witnessing a turning point with many opportunities and challenges. While industry returns have not reached pre-recession levels, it has maintained consistent performance in times of low gross domestic product (GDP) growth and low interest rates and is expected to witness better returns as situations improve.
Changes in consumer preferences and demands, and corporate and technology developments, give rise to new areas of risk to be insured as well as industry consolidation in search of better distribution networks (online or physical). At the same time, low interest rates, talent drain, stringent regulations, and the need for better underwriting and risk management systems are among the challenges. Financial Analysis Life and health (L&H) and property and casualty (P&C) insurance revenues are growing steadily despite the challenging US economy.

As the economy continues to improve, Frost & Sullivan expects higher industry profits as premiums increase and investment income grows, coupled with lower operational costs due to investment in upgraded technology and cost-effective online distribution. Underwriting ratios are improving, and the industry is well placed in terms of policyholder surplus to cover future claims. Overall, the industry is well positioned financially and ready to face any challenges that lay ahead.

Table Of Contents

Financial Assessment of the US Insurance Industry 
Table Of Contents
1EXECUTIVE SUMMARY

Executive Summary
1. Executive Summary

2INTRODUCTION

Introduction
1. Study Objectives
2. Definitions
3. Study Scope
4. Study Scope
5. Study Scope—Financial Management Ratios
6. Study Scope—Financial Management Ratios
7. Research Methodology

3OVERVIEW OF THE US INSURANCE INDUSTRY

Overview of the US Insurance Industry
1. Drivers
2. Drivers Explained
3. Drivers Explained
4. Drivers Explained
5. Restraints
6. Restraints Explained
7. Restraints Explained
8. Restraints Explained
9. Restraints Explained

4FINANCIAL ASSESSMENT OF THE US LIFE AND HEALTH INSURANCE INDUSTRY

Financial Assessment of the US Life and Health Insurance Industry
1. LandH Insurance Trends
2. Financial Assessment of LandH Insurance
3. Financial Assessment of LandH Insurance
4. Financial Assessment of LandH Insurance
5. Financial Assessment of LandH Insurance
6. Financial Assessment of LandH Insurance

5FINANCIAL ASSESSMENT OF THE US PROPERTY AND CASUALTY INSURANCE INDUSTRY

Financial Assessment of the US Property and Casualty Insurance Industry
1. PandC Insurance Trends
2. Financial Assessment of PandC Insurance
3. Financial Assessment of PandC Insurance
4. Financial Assessment of PandC Insurance
5. Financial Assessment of PandC Insurance
6. Financial Assessment of PandC Insurance
7. Financial Assessment of PandC Insurance

6FINANCIAL VS. RISK MANAGEMENT RANKING OF THE US INSURANCE INDUSTRY

Financial vs. Risk Management Ranking of the US Insurance Industry
1. Methodology for Identifying Top Performers
2. Top Performers—Financial Management vs. Risk Management
3. Financial Management vs. Risk Management Explained
4. Financial Management vs. Risk Management Explained
5. Financial Management vs. Risk Management Explained
6. Financial Management vs. Risk Management Explained
7. Top Performers by Revenue Range—Above $10B
8. Top Performers by Revenue Range—$1B to $10B
9. Top Performers by Revenue Range—$100M to $1B
10. Top Performers by Revenue Range—Below $100M
11. Top Performers by Insurance Category—LandH
12. Top Performers by Insurance Category—PandC
13. Top Performers by Insurance Category—Multi-line

7CONCLUSIONS

Conclusions
1. Conclusions
2. Legal Disclaimer

8APPENDIX

Appendix
1. Ranking of Top Industry Performers
2. Ranking of Top Industry Performers
3. Ranking of Top Industry Performers
4. Ranking of Top Industry Performers
5. Ranking of Top Industry Performers
6. Ranking of Top Industry Performers
7. Ranking of Top Industry Performers

9THE FROST and SULLIVAN STORY

The Frost and Sullivan Story
1. The Frost and Sullivan Story
2. Value Proposition—Future of Your Company and Career
3. Global Perspective
4. Industry Convergence
5. 360º Research Perspective
6. Implementation Excellence
7. Our Blue Ocean Strategy

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