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An Aging Population Will Create More Opportunities For U.S. Life Insurers Jan 10
Standard & Poors, Jan 2010
Abstract
While commercial and investment banks have undergone wrenching changes in the past two years, most U.S. life insurers have seen far less difference between the evolving 'new normal' and the 'old normal' before the financial crisis. We don't see life insurers bracing for the potentially sweeping regulatory reforms facing bankers and brokers. And with the notable exception of AIG, only two life insurers have drawn on the extraordinary government financial assistance that's propped up so many banks. What life insurers are most worried about is pricing, profitability, product mix, investment portfolio performance, and capital adequacy. These worries, in our view, are more about the poor economy and the ups and downs of credit and underwriting cycles, and less about the...
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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