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.

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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),

In this review we highlight the increase in mortality and its continued impact on the U.S. life insurance industry.

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.

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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

A.M. Best recently released its annual review of the surplus lines industry which it has published for the last three decades. ALIRT uses this opportunity to refresh its own 50 Company Surplus

This article is about the recent trends and developments in residual market mechanisms within the property insurance industry in four high-risk catastrophe states: California, Florida, Louisiana, and Texas, highlighting the challenges and

This article discusses the brief history of the American Mobile Insurance Exchange (AMIE), a small insurer focused on mobile home insurance in Florida, and the factors leading to its administrative supervision and

In this article, you’ll read about the significant increase in NAIC Class 2 bond holdings by U.S. life insurers since the 2008-2009 financial crisis, driven by a search for higher yields amidst

This ALIRT Research report explores the financial turmoil at the holding companies of Accredited and Sutton fronting insurers. Both companies faced significant challenges due to their parent companies’ financial distress, leading to

In this report, we discuss the increasing level of annuity surrenders, the potential risks of higher surrenders, and any offsetting factors to these risks.

In this report we explore ACAP’s relationship with 777 Re and the possible lingering ties that the ACAP life insurers may have to this now defunct reinsurer and its parent company 777

The two life insurers of the Columbian Financial Group (CFG), Columbian Mutual Life Insurance Company (CML) and CML subsidiary Columbian Life Insurance Company (CLIC), experienced weak and deteriorating financial positions for many

In the wake of the 2008/2009 global financial crisis, the U.S. life insurance industry underwent a spate of business sales/exits, spin-offs, and product changes in the 2010s which has continued through the

PHL Variable Insurance Company’s (PHLV) filed its year-end 2023 regulatory financial statement in late April 2024, seven weeks after the required filing date of March 1. The company reported a negative surplus1

Life insurers have long held a mix of assets with various liquidity profiles, from the very liquid to the nearly illiquid. In this review we highlight some of the less liquid components

In this review, we concentrate on the recent changes in the annuity product landscape

It is commonly held that the present six-year hard market pricing cycle has been a boon for U.S. commercial lines insurers. And this is certainly true, generally. But we must not forget