Market Research Logo

Financial Assessment of the US Insurance Industry

Financial Assessment of the US Insurance Industry

The US insurance industry is becoming increasingly digital and grappling with the nuances of changing business models, regulations, and other structures.

Industry Analysis

The insurance industry is witnessing a turning point with many opportunities and challenges. While industry returns have not reached pre-recession levels, it has maintained consistent performance in times of low gross domestic product (GDP) growth and low interest rates and is expected to witness better returns as situations improve. Changes in consumer preferences and demands, and corporate and technology developments, give rise to new areas of risk to be insured as well as industry consolidation in search of better distribution networks (online or physical). At the same time, low interest rates, talent drain, stringent regulations, and the need for better underwriting and risk management systems are among the challenges.

Financial Analysis

Life and health (L&H) and property and casualty (P&C) insurance revenues are growing steadily despite the challenging US economy. As the economy continues to improve, Frost & Sullivan expects higher industry profits as premiums increase and investment income grows, coupled with lower operational costs due to investment in upgraded technology and cost-effective online distribution. Underwriting ratios are improving, and the industry is well placed in terms of policyholder surplus to cover future claims. Overall, the industry is well positioned financially and ready to face any challenges that lay ahead.

About this report

This research service provides a holistic picture of the US insurance industry. It analyzes financial data, identifies top performers, discusses relevant trends, and offers an overview of the financial state of the industry. The study divides insurance providers into 2 categories: life and health, and property and casualty. Analyses in both categories consist of profitability, cost management, underwriting, capital, solvency, and liquidity ratios. The study identifies and ranks top-performing companies in terms of financial and risk management regardless of their size and category. Top performers also are listed by revenue range and insurance category.


  • Executive Summary
  • Introduction
    • Study Objectives
    • Definitions
    • Study Scope
    • Study Scope-Financial Management Ratios
    • Research Methodology
  • Overview of the US Insurance Industry
    • Drivers
    • Drivers Explained
    • Restraints
    • Restraints Explained
  • Financial Assessment of the US Life and Health Insurance Industry
    • L&H Insurance Trends
    • Financial Assessment of L&H Insurance
  • Financial Assessment of the US Property and Casualty Insurance Industry
    • P&C Insurance Trends
    • Financial Assessment of P&C Insurance
  • Financial vs. Risk Management Ranking of the US Insurance Industry
    • Methodology for Identifying Top Performers
    • Top Performers-Financial Management vs. Risk Management
    • Financial Management vs. Risk Management Explained
    • Top Performers by Revenue Range-Above $10B
      • Table Insurance Industry: Top 10 Insurers in Above $10B Revenue Category (Financial vs. Risk Management), US, 2014
    • Top Performers by Revenue Range-$1B to $10B
      • Table Insurance Industry: Top 10 Insurers in $1B-$10B Revenue Category (Financial vs. Risk Management), US, 2014
    • Top Performers by Revenue Range-$100M to $1B
      • Table Insurance Industry: Top 10 Insurers in $100M-$1B Revenue Category (Financial vs. Risk Management), US, 2014
    • Top Performers by Revenue Range-Below $100M
      • Table Insurance Industry: Top 10 Insurers in Below $100M Revenue Category (Financial vs. Risk Management), US, 2014
    • Top Performers by Insurance Category-L&H
      • Table Insurance Industry: Top 10 L&H Insurers (Financial vs. Risk Management), US, 2014
    • Top Performers by Insurance Category-P&C
      • Table Insurance Industry: Top 10 P&C Insurers(Financial vs. Risk Management), US, 2014
    • Top Performers by Insurance Category-Multi-line
      • Table Insurance Industry: Top 10 Multi-line Insurers (Financial vs. Risk Management), US, 2014
  • Conclusions
  • Appendix
    • Ranking of Top Industry Performers
      • Table Insurance Industry: Ranking of Top Industry Performers, US, 2014

Download our eBook: How to Succeed Using Market Research

Learn how to effectively navigate the market research process to help guide your organization on the journey to success.

Download eBook

Share this report