Below Investment Grade Bond Exposure for Life Insurers
This article discusses the accounting treatment of bonds in insurer financial statements, and possible impacts in the event BIG bonds are downgraded, impaired, or default.
Life Insurer Exposure to Alternative Investments
This review analyzes alternative investments for U.S. life insurers.
Potential Insurer Loss Exposure to the Los Angeles Wildfires
On the following pages, we take a look at individual insurers which had the highest exposure to the California property insurance market in 2023.
Florida Domestic Insurer Market Update – December 2024
In this article, we discuss how recent legislative reforms and improved market conditions have helped stabilize Florida’s homeowners insurance market, attracting new insurers and improving financial performance.
ALIRT Research – U.S. Medical Professional Liability Market Overview
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Porch Group Throws In The Towel on Homeowners of America Insurance Company
This article explains Porch Group’s shift from a full-stack insurance approach, marked by ongoing financial challenges with Homeowners of America Insurance Company, towards launching a reciprocal exchange, Porch Insurance Reciprocal Exchange (PIRE), to reduce its direct exposure to claims and stabilize its insurance operations.
Mortality for the Life Insurance Industry in 2023
In this review we highlight the increase in mortality and its continued impact on the U.S. life insurance industry.
P&C Mutual Insurance Market Overview
In the following review we provide an update on the state of the P&C mutual insurance market based on 6 months 2024 financial results.
ALIRT Scores Vs. A.M. Best Ratings – A Comparative Study for the U.S. P&C Industry
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U.S. Life Insurers’ Bermuda Reinsurance Exposure
The U.S. Life Insurance Industry has long utilized foreign reinsurance as part of its risk and capital management strategies. In recent years the use of foreign reinsurance (particularly via Bermuda reinsurers) has become increasingly common among life insurers (especially for those issuing individual annuities), which has raised some questions among industry participants. As seen in the table below, Bermuda was by far the largest non-U.S. reinsurance destination for U.S. life insurers and accounted for just over a third of total ceded life insurance and annuity (L&A) reserves1 at year-end 2023.