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After Some Unsettling Years, U.S. Insurers See Stability Ahead Dec 10
Standard & Poors, Dec 2010
Abstract
For most of the past two years, Standard & Poor's Ratings Services has had a negative outlook on the U.S. health and life insurance sectors as well as the commercial lines and personal lines segments of the property/casualty sector. Insurers' credit quality generally degraded throughout the recession and its immediate aftermath. And dislocations in the financial markets, an anemic economy, concerns about portfolio asset values, and uncertainty about new laws and regulations--especially for health insurers--clouded their prospects. But now, business conditions are getting better: Capitalization has improved, pricing is stronger, and the industry has a clearer picture of what reform might mean. Therefore, we have revised our outlooks on the health, life, and personal lines sectors to stable. We expect...
Standard and Poors RatingsXpress Credit Research provides in-depth coverage of international corporates, financial institutions, insurance companies, utilities, sovereigns and structured finance programs. RatingsXpress Credit Research lets users determine the credit rating of holdings and identify key factors underlying an issuer's creditworthiness, distinguishes the different risk exposures for new and existing deals, and provides an understanding of how their analysts interpret key regulatory, political and environmental events and their economic impact.
Research Type: Commentary
Criteria articles describe the thought process and methodology Standard & Poor's analysts use in determining ratings. These commentary pieces discuss both the quantitative (economic and financial) and qualitative (business analysis and caliber of management) aspects of the analysis, as well as legal issues.
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