2008 Special Report: U.S. Provider-Owned Health Plans – 2007 Financial Review. Overall, Gap Widens Between Most and Least Integrated Plans: A.M. Best’s 2007 Notching Model study results show that total capital and surplus for the study’s health plans increased 40% between 2004 and 2007, and 8% between 2006 and 007.
Date: 9/1/2008 Source: Special Reports (PDF) Pages: 8
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2008 Special Report: U.S. Life – 2007 Liquidity Trend Review. Life Insurers Saw Modest Boost in 2007 Liquidity, Model Shows: U.S. life insurers’ liquidity improved slightly in 2007, based on results from A.M. Best’s Liquidity Model. For 2007, the average short ratio was 215%, up from 213%. And the average long ratio was 161%, up from 160%.
Date: 9/1/2008 Source: Special Reports (PDF) Pages: 8
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Insurance Auditors & Actuaries of North America – 2007 Market Review.: Primary findings from A.M. Best’s annual review of the auditor and actuarial markets show that in 2007, the top firms in the United States and Canada remained dominant.
Date: 9/1/2008 Source: Special Reports (PDF) Pages: 44
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2008 Special Report: U.S. Surplus Lines – 2007 Market Review. Surplus Lines Results Remain Strong, As Competitors Grab at Market Share: While surplus lines insurers outperformed the property/casualty industry in underwriting and operating performance in 2007, the softening market and more aggressive competition portend deterioration in profitability as premium levels decline.
Date: 8/25/2008 Source: Special Reports (PDF) Pages: 44
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2008 Special Report: U.S. Insurance Industry Exposure to GSEs -- Issue Review: The U.S. insurance industry’s exposure to securities issued by Fannie Mae and Freddie Mac is substantial for a handful of companies. A.M. Best does not foresee substantial write-downs thanks to added financial backing of the federal government.
Date: 8/18/2008 Source: Special Reports (PDF) Pages: 4
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2008 Special Report: U.S. Title – 2007 Financial Review. Real Estate and Credit Woes Take Toll on Title Insurance: The ongoing slowdown in real estate activity, combined with tightening mortgage market conditions, and the worsening U.S. economy have been a significant drag on the title industry’s revenues.
Date: 8/11/2008 Source: Special Reports (PDF) Pages: 8
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2008 Special Report: U.S. Captive Insurance – 2007 Market Review. Medical Malpractice Leads Captives’ Premium Decline: Falling medical malpractice premiums led to a 15% drop in net premiums written between 2006 and 2007 for a composite of captive insurance companies, but captives overall benefited from favorable underwriting trends.
Date: 7/28/2008 Source: Special Reports (PDF) Pages: 8
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2008 Special Report: German Pensions – 2007 Market Review. German Occupational Pensions: A Market Under Pressure: Tax reforms are likely to drive realignment in Germany’s increasingly complex pension sector. Application of International Financial Reporting Standards already is impacting occupational pension structures.
Date: 7/28/2008 Source: Special Reports (PDF) Pages: 8
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2008 Special Report: U.S. Blue Cross & Blue Shield – 2007 Market Review. Earnings Decline, Expenses Are Up, but BCBS Results Remain Favorable: Despite declines in some key measures, overall results remained favorable for Blue Cross Blue Shield companies in 2007 and are expected to remain that way in 2008.
Date: 7/28/2008 Source: Special Reports (PDF) Pages: 16
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2008 Special Report: U.S. Wildfires – Catastrophe Review. Wildfire Losses Set to Increase Industry’s Catastrophe Woes: After nearly $2 billion in claims from the Southern California wildfires in 2007, the insurance industry faces the prospect of another rough wildfire season and escalating losses in the years to come.
Date: 7/21/2008 Source: Special Reports (PDF) Pages: 12
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2008 Special Report: U.S. Property/Casualty – Cycle Management Trend Review. Few Companies Excel at Managing Through Market Cycles: The findings from A.M. Best’s cycle management study show just how difficult it is for property/casualty companies to surpass the performance of their peers on a consistent, long-term basis.
Date: 7/14/2008 Source: Special Reports (PDF) Pages: 8
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2008 Special Report: U.S. Life & Annuity – GAAP Financial Review. Fair-Value Standard Impacts Insurers' Balance Sheets: Dislocation in the capital markets and rising investment risk continue to place stress on the balance sheets of publicly traded life and annuity companies.
Date: 7/14/2008 Source: Special Reports (PDF) Pages: 8
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2008 Special Report: U.S. Property/Casualty – 1st Quarter Financial Review. U.S. P/C Industry’s Net Income Fell in the First Quarter: The U.S. property/casualty industry’s net profit plunged 45% to $9.3 billion in the first quarter of 2008, driven primarily by premium erosion; deteriorating underwriting results and higher catastrophe-related losses.
Date: 6/30/2008 Source: Special Reports (PDF) Pages: 12
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2008 Special Report: U.S. Life/Health – 1976-2007 Impairment Review. L/H Impairments Bounce Off '06 Low and Top P/C Impairments in ‘07: The life/health industry’s financial impairment results for 2007 represent a bounce off exceptionally low results for 2006.
Date: 5/26/2008 Source: Special Reports (PDF) Pages: 64
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2008 Special Report: U.S. Hurricane – Catastrophe Review. Credit Crunch Clouds Outlook of Hurricane Insurers, Cat Funds: Turmoil in the credit markets could leave policyholders in limbo if a major hurricane strikes the United States this year, as investors show a limited appetite for capital-market offerings designed to raise cash for claims payments.
Date: 5/19/2008 Source: Special Reports (PDF) Pages: 14
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2008 Special Report: U.S. Property/Casualty – 1969-2007 Impairment Review. P/C’s Low Impairment Likely to Have Hit Bottom of Trough in 2007: The property/casualty industry recorded its lowest impairment count and the lowest impairment frequency rate in at least 38 years in 2007. Four property/casualty companies, two affiliated, became impaired, for an impairment rate of 0.12% – or one in 833 companies.
Date: 5/19/2008 Source: Special Reports (PDF) Pages: 61
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2008 Special Report: U.S. Health – 2007 GAAP Financial Review. Good Year Overall in 2007; But Income is Pressured in 2008: Across the board, GAAP results for health insurers were good in 2007, but some companies have already lowered their earnings guidance for 2008 as a result of lower interest rates and high claims experience from the winter’s flu season.
Date: 5/12/2008 Source: Special Reports (PDF) Pages: 8
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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: U.S. Mutual Accident & Health – 2007 Market Review. Mutual A&H Insurers Adapt to Changing Markets: U.S. mutual accident and health insurers must adapt and evolve to survive in a sector that that has driven many of them to niche positions in a world of health care dominated by managed care giants.
Date: 5/5/2008 Source: Special Reports (PDF) Pages: 8
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2008 Special Report: U.S. Life/Health – Product Creditworthiness Market Review. VAs, LTC Occupy Riskier End of Creditworthiness Continuum: In assessing a company’s financial strength, A.M. Best considers product creditworthiness which is evaluated for profitability, design, distribution type, regulatory issues, deployment of capital and investment conditions.
Date: 4/28/2008 Source: Special Reports (PDF) Pages: 15
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