Insurance Industry Financial Condition
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Degree of Leverage
Author | : Samuel Gameli Gadzo |
Publsiher | : Xlibris Corporation |
Total Pages | : 133 |
Release | : 2018-11-29 |
Genre | : Business & Economics |
ISBN | : 9781984564696 |
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This book establishes the relationship between leverage and financial performance of insurance companies. This book focuses on establishing empirical evidence about the nature of leverage insurance companies assume, and it indicates significant differences between the financial-performance indicators of insurance companies with age limit. Again, empirical evidence revealed that leverage negatively affects financial performance of insurance companies in Ghana. This book offers policy guideline on the level of leverage start-up and established firms with age category as the benchmark. The book has also provided recommendation on how to resolve issues of leverage related to the insurance sector.
Life Insurance Company Financial Statements
Author | : R. Arthur Saunders |
Publsiher | : Precept Press |
Total Pages | : 344 |
Release | : 1986 |
Genre | : Business & Economics |
ISBN | : UOM:39015017291462 |
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Insurance Industry Financial Condition
Author | : United States. Congress. House. Committee on Energy and Commerce. Subcommittee on Commerce, Consumer Protection, and Competitiveness |
Publsiher | : Unknown |
Total Pages | : 112 |
Release | : 1987 |
Genre | : Casualty insurance |
ISBN | : STANFORD:36105062955534 |
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The Banking Industry Guide Key Insights for Investment Professionals
Author | : Ryan C. Fuhrmann |
Publsiher | : CFA Institute |
Total Pages | : 60 |
Release | : 2017 |
Genre | : Business & Economics |
ISBN | : 9781942713425 |
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Changes in the Life Insurance Industry Efficiency Technology and Risk Management
Author | : J. David Cummins,Anthony M. Santomero |
Publsiher | : Springer Science & Business Media |
Total Pages | : 379 |
Release | : 2012-12-06 |
Genre | : Business & Economics |
ISBN | : 9781461550457 |
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Major challenges for life insurance companies have been posed by an unprecedented wave of mergers and acquisitions in the insurance industry and the emergence of non-traditional competitors such as banks, mutual fund companies and investment advisory firms. This is the first book to analyze the determinants of firm performance in the life insurance industry by identifying the `best practices' employed by leading insurers to succeed in this dynamic business environment. The book draws upon data from insurer financial statements as well as upon an extensive survey of life insurer management practices and strategic choices in distribution systems, information technology, mergers and acquisitions, human resources and financial strategies. Generic strategies such as cost leadership, customer focus, and product differentiation are analyzed as well as strategic practices specific to the insurance industry. Best practices are identified by measuring the economic efficiency of insurers and by comparing firms across the industry. Both cost and revenue efficiency are measured relative to best practice efficient frontiers consisting of the industry's dominant life insurance firms. Economies of scale and the effects of mergers and acquisitions on efficiency are also analyzed. Financial strategies are examined with specific reference to pricing policy, valuation of assets and liabilities, and the current state of firm-level risk management systems. The benchmarks established are the result of extensive fieldwork that identifies key financial risks and methodologies to both measure and manage them at the firm level. The results discussed in the book indicate that firm performance is significantly correlated with management practices and strategic choices. Thus, life insurers can improve profitability by adopting optimal combinations of strategies. The book contains important new material on the effects of strategic choices in product distribution systems, information technology, mergers and acquisitions, human resources, and financial risk management policies. In the area of efficiency, the methodology provides a new approach for identifying peer groups of insurers and measuring the performance of individual insurers relative to their peer group. On the topics of risk and pricing, new insights are offered relative to current methodologies and in regard to areas where improvement is clearly warranted. The book concludes with an analysis of the future opportunities and challenges in the life insurance industry facing managers, and the strategic options available to them to cope with these changes.
Financial Statement Analysis for Non Financial Managers
Author | : Hoskin |
Publsiher | : Dog Ear Publishing |
Total Pages | : 136 |
Release | : 2011-07 |
Genre | : Business & Economics |
ISBN | : 1457504464 |
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Covers the following areas: overview of the P&C industry; organizational structure of P&C insurers: stock & mutual companies; value drivers in the P&C business; financial reporting requirements for P&C insurers & major financial statements; capital management; GAAP (generally accepted accounting principles) insurance accounting principles; statutory (STAT) accounting principles; rating agencies & ratio analysis. The book uses the actual GAAP and STAT financial statements of Travelers Insurance Company as well as excerpts from the A.M. Best rating report for Travelers to illustrate the concepts and analysis.--P. [4] of cover.
Canada
Author | : International Monetary Fund. Monetary and Capital Markets Department |
Publsiher | : International Monetary Fund |
Total Pages | : 23 |
Release | : 2014-03-07 |
Genre | : Business & Economics |
ISBN | : 9781484330401 |
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This paper discusses Canada’s Financial Sector Assessment Program (FSAP) impact on the insurance sector of a low interest rate environment. It highlights that actuarial standards on valuation of liabilities require that assumed reinvestment rates take increasing account of current market rates that led to higher liabilities as low rates persisted. The note outlines the effect of Canadian accounting and actuarial standards that further increases in liabilities need to be recognized in the short term. Policy measures have been undertaken by Office of the Superintendent of Financial Institutions (OSFI) in the banking sector to address broader risks.
Insurance Regulation
Author | : United States. General Accounting Office |
Publsiher | : Unknown |
Total Pages | : 64 |
Release | : 1990 |
Genre | : Insurance |
ISBN | : IND:30000038898684 |
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