2008 Special Report: U.S. Medical Malpractice – 2007 Market Review. Medical Malpractice Challenges Expected After a Strong 2007: Medical malpractice again posted very strong underwriting results in 2007, a year that was a mirror image of 2006 in many respects.
Date: 5/12/2008 Source: Special Reports (PDF) Pages: 8
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2008 Special Report: European Solvency II – Issue Review. Solvency II May Raise Most EU Insurers’ Regulatory Capital Requirements: The European Commission’s Solvency II Directive is expected to substantially increase regulatory capital requirements for most European issuers, although no extra capital is likely to be required for the market as a whole. This view is based on A.M. Best’s analysis of consolidated results from the third impact study conducted by European insurance regulators.
Date: 4/7/2008 Source: Special Reports (PDF) Pages: 8
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2008 Special Report: U.S. Life/Health – 2007 Rating Trend Review. Despite the Turmoil, Positive Rating Trends Continued in 2007: For the fifth year in a row, health rating upgrades easily outpaced downgrades in 2007, and for the first time in recent memory, life rating upgrades also were higher than downgrades.
Date: 2/11/2008 Source: Special Reports (PDF) Pages: 8
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2008 Special Report: U.S. Life/Annuity – Review & Preview: Although A.M. Best remains confident in the overall strength and flexibility of U.S. life insurers’ balance sheets, companies are operating in a volatile environment, with weakening economic indicators, that poses greater risk than ever. This report analyzes these trends, along with their rating implications.
Date: 2/4/2008 Source: Special Reports (PDF) Pages: 28
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2008 Special Report: U.S. Property/Casualty – Review & Preview. U.S. P/C Industry Records Strong Results – But for How Long?: Strong underwriting results and favorable investment returns are expected to generate 2007 net income of $59.2 billion for the U.S. property/casualty industry.
Date: 1/28/2008 Source: Special Reports (PDF) Pages: 28
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2007 Special Report: U.S. Individual Annuities – 2006 Market Review. Individual Annuities Keep on Selling, But Economic Woes Raise Concerns: In A.M. Best’s view, individual annuities generally represent a less creditworthy line of business than ordinary life when assessing a company’s overall, long-term financial strength.
Date: 12/24/2007 Source: Special Reports (PDF) Pages: 8
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2007 Special Report: U.S. Risk Retention Groups–2006 Market Review. RRGs' Profitability Continues Amid Softening Market: The softening property/casualty insurance market may boost the pressure on risk retention groups and captive insurance companies to compete. Other insurers may use favorable market conditions to lure members away from risk retention groups, according to a new special report from A.M. Best.
Date: 7/30/2007 Source: Special Reports (PDF) Pages: 4
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2007 Special Report: U.S. Captive Insurers–Market Review. Domestic Captives: Improved Results, Preparing for Uncertainty: Captive insurers posted a fourth straight year of growth in their capital base in 2006, raising the prospect of a stronger negotiating position with reinsurers, if current trends continue.
Date: 7/30/2007 Source: Special Reports (PDF) Pages: 12
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2007 Special Report: U.K. Non-Life Insurance Annual Market Review. Strong Capital to be Maintained, Despite Intensifying Competition: Intensifying competition is anticipated across all business lines, particularly in the small-to-medium enterprise sector. Further rate reductions anticipated, but underwriting performance is expected to be less cyclical than in the past.
Date: 5/7/2007 Source: Special Reports (PDF) Pages: 8
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Federal Protection for Terrorism: Industry Awaits Final Decision: In December 2005, President Bush signed into law the Terrorism Risk Insurance Extension Act (TRIEA), thereby extending the Terrorism Risk Insurance Act (TRIA) of 2002. Both TRIA and the TRIEA extension were intended as short-term solutions should additional terrorism-related losses occur. The current extension provided additional time for discussion of a more permanent solution and is set to expire on Dec. 31, 2007.
Date: 2/5/2007 Source: Special Reports (PDF) Pages: 4
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U.S. Retirement Savings Market – The Sweet Spot for U.S. Life Insurers: The U.S. retirement savings market — broadly defined as personal savings, defined contribution plans, defined benefit plans and annuity products — continues to remain the most strategically important market for the U.S. life insurance industry.
Date: 1/29/2007 Source: Special Reports (PDF) Pages: 4
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2007 Review/Preview: The Calm After the Storms -- Record-Setting Results Give U.S. P/C Industry Breath to Prepare for Next Big Event: Another year of devastating catastrophe losses was expected for 2006, but Mother Nature spared the property/casualty industry and allowed carriers to report record-setting results: Not only was an underwriting profit achieved—a rare feat—the combined ratio fell to its lowest level since 1953. All this occurred amid price softening and a modest increase in competition.
Date: 1/22/2007 Source: Special Reports (PDF) Pages: 24
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Pools & Trusts: Performance Shows Continued Upswing: Self-insurance pools and trusts in 2005 saw a significant change in operating performance compared with 2004. The operating results for 2005 were characterized by a precipitous decrease in the loss and loss-adjustment expense ratio, which was offset partially by an increase in the underwriting expense ratio.
Date: 12/4/2006 Source: Special Reports (PDF) Pages: 8
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Growth Slows for Rated Non-U.S. Captives: A.M. Best Co. possesses a substantial amount of data and information on captives and assigns interactive ratings to a number of these, most of which are very well capitalized.
Date: 11/13/2006 Source: Special Reports (PDF) Pages: 4
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Underwriting Discipline Continues; Rating Upgrades Outpace Downgrades: Despite the magnitude of the record hurricane losses generated in 2005, the financial strength of the U.S. property/casualty insurance industry remained fundamentally strong over the past year, maintaining the operating momentum achieved from the prior 12 months.
Date: 11/6/2006 Source: Special Reports (PDF) Pages: 12
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Reinsurers Humbled, But Most Not Broken, by Hurricane Losses: Almost a year after three massive hurricanes -- Katrina, Rita and Wilma -- the global reinsurance industry still is struggling to manage its catastrophe exposure, according to A.M. Best’s 2006 global reinsurance report, "Reinsurers Humbled, But Most Not Broken, by Hurricane Losses."
Date: 8/14/2006 Source: Special Reports (PDF) Pages: 28
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Domestic Captives: The Pace of Change Quickens: A.M. Best Co. has accumulated statistics on captive insurers with data current through the most recently completed fiscal year, 2005. This composite includes 166 insurers filing statutory financial statements with A.M. Best. Of this total, 133 carry a Best’s financial strength letter rating.
Date: 8/7/2006 Source: Special Reports (PDF) Pages: 8
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Risk Retention Groups Continue To Sustain Operating Profitability : Since the implementation of the Liability Risk Retention Act of 1986, a number of risk retention groups have met the requirements to obtain a Best’s Financial Strength Rating. The comments in this report refer only to “rated” risk retention groups. During 2006, A.M. Best Co. assigned two initial ratings to RRGs.
Date: 7/31/2006 Source: Special Reports (PDF) Pages: 4
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Life/Health Rating Upgrades Outpace Downgrades for Second Consecutive Year: In 2005, the life/health insurance industry enjoyed another strong year of operating earnings, which along with benign credit markets led to historically high capital levels for the industry.
Date: 1/30/2006 Source: Special Reports (PDF) Pages: 8
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Pools and Trusts Continued Strong Performance in 2004: A.M. Best Co. has completed its analysis to update its report on rated self-insurance pools and trusts. These alternative risk transfer vehicles have met the stringent requirements necessary to obtain an A.M. Best rating.
Date: 11/21/2005 Source: Special Reports (PDF) Pages: 8
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