Lack of revenue growth yields modest gain

Article Abstract:

The expense-to-premium ratio for life/health insurance companies showed little improvement in 1994. This is attributed to increased expenses, which resulted from the 4.7% growth in commissions on premiums, and a 3.4% increase in salaries and wages. Insurers have been trying to reduce expenses by managing fixed costs during slow premium growth periods which deteriorate expense-to-premium ratios.

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Insurers improved asset mix in 1995

Article Abstract:

Life and health insurance companies are stocking their asset portfolios with credit-worthy investments. Asset/liability management concerns and increased scrutiny by rating agencies and regulators have contributed to the shift toward investments with predictable cash flows. Bonds accounted for 87.5% of total assets in 1995 up from 82.9% in 1994.

Analysis, Portfolio management, Life insurance industry

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