Insurance Industry Financial Health Outlook

A key to monitoring your insurance portfolio is to measure the financial strength ratings for your insurance companies. You can learn more about the various insurance company financial strength rating services on The Federal Insurance Office’s 2018 report provides a detailed description of the U.S. Insurance market including industry statistics and the regulatory environment. … Read more

Life Insurance Companies and Leveraged Loan Concerns:

At the heart of the 2008 U.S. financial crisis and the 1997-1998 Asian financial crisis was sub-prime loans. Leveraged loan volumes are now nearing $1.4 trillion, surpassing the $1.3 trillion high yield bond market according to Mark Zandi, chief economist of Moody’s analytics.  Zandi writes that it’s “much too early to conclude” that the non-financial … Read more

How You Can Be A Gold Medal Winner In The Insurance Olympics

Olympic Athletes train for years to become the best at what they do. Olympic Athletes are at the top of the game due to their attention to details. Maintaining a proper insurance portfolio also requires attention to details. Details can make or break your insurance portfolio.  If you ask any successful athlete what’s at the … Read more

Will You Help Change Insurance Literacy?

Insurance Consumer Protection is an often discussed topic. Yet there remains no solid guidance for insurance policy-owners or insurance agents. Every single person in this country has one if not many insurance policies. It’s time there was a clear understanding for what insurance consumers and agents should expect from each other. That’s why I’ve created … Read more

What Does The Future Hold for the Life Insurance Industry and Your Life Insurance?

The financial stability of the life insurance industry in the future may be drastically different in the future given a changing financial landscape, changing demographics and buying patterns. Basically, the life insurance industry needs to evolve the products it offers to meet current financial planning standards and fee/commission structures. The days of high commission cash … Read more

While Insurance Products Are Complex, Insurance Companies May Be Even More Complex:

Well, not only are insurance products hard to understand, so are insurance companies according to this latest article highlighting a study commissioned by the Federal Reserve Bank of Minneapolis: Fed bank fearful of insurance risks via LifeHealthPro (click to read full article): The growing use of captives is among “the rising and poorly-understood risks to … Read more

Spring Cleaning with The Questions and Answers on Insurance Planner

Spring cleaning is upon us and the following article is a reminder that it’s always a good time to review your finances including your insurance policies. The Questions and Answers on Insurance Planner mentioned above is designed to help you accomplish that. The following article provides some good tips. 5 Ways to Spring Clean Your … Read more

Fitch Ratings Report Covers Changing Investment Portfolio for Insurance Companies

In a report released by Fitch Ratings recently, they discussed a changing mix of investments for insurance companies driven by the prolonged low interest rate environment. Insurance Companies are moving towards increased mortgage activity and investments. If insurance companies are able to this without increasing risk, it will improve their earnings which will be positive for policy holders across all lines of coverage. Low interest rates have factored into long term care insurance premium rate increases (though they are a minor reason) and deteriorating performance of cash-value life insurance policies.

Read moreFitch Ratings Report Covers Changing Investment Portfolio for Insurance Companies