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U.S. Life Insurers Maintain A Stable Outlook But May Be Approaching An Inflection Point Oct 11
Standard & Poors, Oct 2011
Abstract
U.S. life insurers faced growing risks to the stable outlook at the close of the third quarter of 2011. Continued low interest rates, equity market declines, and the specter of a double-dip recession have created a potential inflection point for the industry, which may begin to see some erosion in results following strong earnings in the first half. Still, we believe most insurers have sufficient capital adequacy and liquidity to meet these near-term challenges, and we do not expect to take many rating actions before 2012. We are therefore maintaining our stable outlook on the industry, although we may revise more outlooks to negative in the coming months. At midyear, our stable outlook on insurers assumed a continued, albeit slow,...
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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