Special Report: Life/Health Sector Rating Upgrades Slightly Outpace Downgrades in First-Half 2017
Favorable equity markets are driving the improvement in life/annuity insurers’ risk capitalization,
while higher risk exchange membership is pressuring the health carriers’ capital
August 14, 2017 - 13 Pages
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Special Report: Favorable Ratings Activity Continues for U.S. Property/Casualty Industry
Ratings activity for the property/casualty (P/C) industry in the first half of 2017 was favorable, with upgrades outpacing downgrades, owing to tightened underwriting standards that have led to favorable results over several years, increases in risk-adjusted capital, and improvements in enterprise risk management.
August 14, 2017 - 11 Pages
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Special Report: Stop-Loss Insurance Market Continues to Grow
The popularity of the self-funded option supplemented by stop-loss insurance has grown since the adoption of ACA because
these plans are not subject to the benefits, health insurer fees, or minimum loss ratio requirements mandated by the ACA,
making self-funded insurance a more attractive option for more employers.
August 11, 2017 - 10 Pages
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Special Report: Mortality Rates Start Rising
To confirm trends in the U.S. life insured population, A.M. Best reviewed mortality metrics as reflected in insurers’ annual statutory statements.
August 11, 2017 - 4 Pages
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Special Report: Regulatory Uncertainty, Equity Market Volatility Lead to Shifting Trends in Individual Annuity Products
Annuity writers have faced continual pressure for several years for a variety of reasons: increased longevity, the imminent retirement of the Baby Boomers, persistently low interest rates, volatility in the financial markets, and the DOL fiduciary rule, all of which remain top concerns in the annuity industry.
August 09, 2017 - 8 Pages
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Special Report: Groundhog Day: More of the Same Strong Performance for the U.S. Rated Captives
Captives and other alternative risk transfer mechanisms continue to play a vital role in the U.S. and the global commercial marketplace.
August 02, 2017 - 19 Pages
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ComplimentaryBriefing: Criteria Update: BCRM, BCRM Criteria Procedures, and TimelineA.M. Best has released an updated draft of Best’s Credit Rating Methodology (BCRM) for public comment. Previously, A.M. Best had released versions of the draft BCRM for comment in March 2016 and in November 2016. July 25, 2017- 3 Pages
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ComplimentarySpecial Report: A.M. Best Comments on Lloyd’s – Cyence Cyber Catastrophe ReportOn July 17, 2017, Lloyd’s and Cyence published Counting the Cost: Cyber Exposure Decoded, a report that aims to provide cyber insurance providers with plausible and realistic scenarios to evaluate their cyber risk accumulations. July 18, 2017- 2 Pages
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Special Report: Despite Top Line Growth, U.S. Nonstandard Auto Results Continue to Deteriorate
Larger standard auto writers have targeted the more profitable insureds in the nonstandard auto market, leaving riskier policies to smaller nonstandard writers.
July 07, 2017 - 12 Pages
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Special Report: Managed Medicaid Enrollment & Premiums Continue to Increase, Margins Dip
Managed Medicaid has been one of the material sources of the health insurance industry's growth in recent years.
July 06, 2017 - 11 Pages
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A.M. Best 