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Insurance

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  • 11 Aug 2016
    • Investment portfolio yields continue to fall, prompting shift toward higher risk
      The net investment yield for our rated US P&C insurers fell to 3.5% in 2015 from 4.1% in 2010, and it will decline further in 2016. P&C carriers also face softer pricing in commercial insurance lines. The combined pressure on investment and underwriting results will hurt P&C profit margins in 2016 and 2017. Despite these headwinds, we believe the low investment yields help insurers hold the line on pricing, since premiums must be invested at current low yields…Full Report
    • Commercial lines pricing and profitability slipping, personal lines rates still rising
      The pricing environment for commercial casualty lines will become more competitive over the course of the year, driving somewhat higher combined ratios for 2016, after a few years of positive pricing trends and improving combined ratios. For overall commercial property lines, our rated insurers expect a 1.5% rate decrease in 2016, following a 1% decrease in 2015, reflecting abundant capacity, low catastrophe losses in recent years, and favorable reinsurance pricing. Insurers expect personal auto liability rates to increase 5.5% in 2016, reflecting elevated loss frequency and severity trends…Full Report
  • 4 Aug 2016
    • GSII regulation to improve Insurers' risk management and capital stability
      Global Systemically Important Insurer (GSII) regulation is credit positive, because the additional regulatory oversight and capital requirements on a group-wide basis will result in improvements to insurers' risk management and the development of contingency plans to restore or protect capitalisation in stress scenarios. We do not expect any broad business model changes or any widespread reaction from groups designated as GSIIs, because these insurers overall hold sufficient buffers to comply with the new regulation... Full Report
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