Insurance - Industry

The insurance industry consists of companies that offer risk management in the form of insurance contracts. One of the places for disruption with its slow claims process, and over-reliance on manual work, this sector uses analytics for all sorts of insurance products, such as life, property and casualty, healthcare, unemployment, and many more. As life insurance companies focus on legacy planning and replacing human capital value, health insurers cover medical costs, and property, casualty, or accident insurance is aimed at replacing the value of homes, cars, or valuables. Insurance companies can be structured either as a traditional stock company with outside investors, or mutual companies where policyholders are the owners.


Property and Casualty

Mentioned by the Following

Asset Classes

Catastrophe Bond


FMG Suite
Financial Sense Wealth Management
M&G Investments
2050 Wealth Partners
AE Wealth Management
AGL Credit Management
AXA Advisors, LLC
AlphaCat Managers
Alvarez & Marsal
Ameriprise Financial
Andrew Marshall Financial
Arbiter Partners Capital Management LLC
Arbol Inc.
Artifex Financial Group
Aviva Investors
BNP Paribas S.A.
Bank Policy Institute
Berkshire Hathaway
Bleakley Financial Group
Bone Fide Wealth
Boston Consulting Group
Brenton Point Wealth Advisors
Brouwer & Janachowski
California Alternative Investments Association
Capital Group
Capital Wealth Advisors
Cassaday & Company, Inc.
Citrin Cooperman
ClearBridge Investments
Clocktower Technology Ventures
Cohen & Co
D.B. Root & Company
Define Financial
Dorr Asset Management
Fairpoint Wealth Management
Family Office Networks
Federal Financial Analytics
Federal Reserve Bank of Boston
Fidelity Investments
Fidelity National Information Services
FinTech Collective
Financial Select Sector SPDR Fund
First Citizens Bank
First Republic
Fort Washington Investment Advisors
Fox Business Network
Fulcrum Financial Group, LLC
Gitterman Wealth Management
Global Retirement Partners
Goldman Sachs Personal Financial Management
Groupe BPCE
Guardian Life
Guggenheim Partners
Hayden Royal
Heritage Financial Services
Investment Management Due Diligence Association
JK Investment Group
Johnson Investment Counsel
Jones Day
Julex Capital Management
Leede Jones Gable
Life Planning Partners
Loews Corporation
Longford Capital
MG&A Wealth
MGO Wealth Advisors
Mariner Wealth Advisors
Massey & Associates, Inc.
Montag & Caldwell
Napkin Finance
National Association of Personal Financial Advisors
National Securities Corporation
Nephila Capital
Neuberger Berman
Newport Harbor Wealth Management
Newton Investment Management
Objective Capital Management
Odyssey Capital Advisors
Pence Wealth Management
Polish Financial Supervision Authority
RBC Wealth Management
RLJ Companies
Ribbit Capital
Royal Bank of Canada
Royal Crown Wealth Management
SEB Group
Schechter Wealth
SeaBridge Investment Advisors
Simone Zajac Wealth Management Group
Simons Financial Network
Sixth Street
Snowden Lane Partners
Société Générale
St. James's Place Wealth Management
Steven Van Metre Financial
Sun Hung Kai Properties
TSG Wealth Management
Truist Financial
Tycuda Group
Wealth Enhancement Group
Weiss Ratings
Wellington Management
Wells Fargo
oXYGen Financial

Entity Types

Financial Services


Mortgage Market Collapse


Asset Management


Aaron Crowley
Aaron Hodari
Abraham Cecena
Alice Schroeder
Andrew Hinkle
Andrew Tobias
Andy Schwartz
Angelo Robles
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Barry Glassman
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Bob Stone
Brad Sherman
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Charles Noble III
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Mike Boyd
Mike Ricca
Mike Sawyer
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Mohamed Eldawy
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Paul Mladjenovic
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Shane Oliver
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Shirl Penney
Simon Hamilton
Stephen Lee
Steve Grasso
Steven Van Metre
Susan Williams
Ted Snow
Ted Truscott
Todd Battaglia
Tony Bremness
Vicki Ellis


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An Economic Theorist's Book of Tales
Barbara Friedberg Personal Finance
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Financial Risk Analytics
Financial Secrets of My Wealthy Grandparents
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Killing the Host
Labor's Capital
Look Before You LIRP
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Personal Finance After 50 For Dummies
Personal Finance Desk Reference
Personal Finance at Your Fingertips
Personal Finance for Dummies
Personal Finance in Your 50s All-in-One For Dummies
Real Life, Real Money
Smart and Simple Financial Strategies for Busy People
Suze Orman's Financial Guidebook
The 250 Eldercare Questions Everyone Should Ask
The Aftershock Investor
The Beginners Guide to Saving and Investing for Canadians
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The Money Deception
The New Financial Order
The Only Other Investment Guide You'll Ever Need
The Primal Prescription
The Road to Wealth
The Truth About Money
The Truth About Your Future
The Ultimate Retirement Guide for 50+
Wealth Pilgrim
What Every Fidelity Investor Needs to Know
You've Earned It, Don't Lose It


Continuing Jobless Claims
Financial History
Investment Management
Personal Finance

  • Insurance Companies generally make money in two ways
    • From underwriting insurance policies for more than the claims they pay out
    • By investing the premiums they receive and earning interest before paying out claims
  • During times of high interest rates, the industry tends to ear most profits from the investing side
    • From 1979 to 2003 there were few underwriting profits earned
  • Times of low interest rates impell companies to earn more on the underwriting side of the business

Underwriting Side of Business (Combined Ratio)

  • Combined Ratio =  (Net Claims, Commissions & Expenses) / (Net Earned Income)
    • Ideally this should be < 100%
    • The lower the ratio, the more profitable the underwriting business is