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North American Insurance Holding Companies Face Growth, Distribution Challenges; Most Sector Outlooks Stable Oct 06
Standard & Poors, Oct 2006
Abstract
The major players continue to take advantage of strong capabilities in the management of distribution, product innovation, and effective enterprise risk management. The strengths of the larger players set the tone for the stable outlook that Standard & Poor's Ratings Services retains for the U.S. life insurance sector. Long-term growth for the industry has been a problem, as the industry has difficulty reaching all but the wealthiest demographics of the market. This dynamic is not expected to change meaningfully for the balance of 2006. Individual life insurance sales have been a low-growth market over the past few years and the future isn't looking brighter. And, due to the flat yield curve that has been plaguing the bond markets recently, fixed...
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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