Data for insurance company portfolio returns?
- Thread starter MartinJ
- Start date
- 2,192
The Insurer's Returns of the Clients Dividends / Returns ?
- Thread starter
- #3
No. When the insurance company invests money, what are their returns?
- 2,192
Apologies, my "of" should have been an "or"
Finding and Locating Insurer Investment Information is pretty difficult. I would subscribe and read AM Best and or the NAIC for something like this. In the past I have seen some information - but nothing very comprehensive.
Here is some info from the NAIC: Analysis of Insurance Industry Investment Portfolio Asset Mixes
Finding and Locating Insurer Investment Information is pretty difficult. I would subscribe and read AM Best and or the NAIC for something like this. In the past I have seen some information - but nothing very comprehensive.
Here is some info from the NAIC: Analysis of Insurance Industry Investment Portfolio Asset Mixes
Also insurance companies invest according to the regulators guidelines. If the regulator says put 70% into 30 year bonds, you are not going to see much difference in returns from one company to another. They all probably invest in 0,5% in stocks, there is obviously different rate of returns on that portion.Each insurance company has different age distribution of their policy holders and you should expect different credit quality of the bond portfolio based on that. Stock companies invest more in high yield bonds than mutual companies because if things go south, they can always sell more stock and raise cash. Mutuals dont have that option so their portfolio is usually more conservative. In short, there is no easy way to compare rate of returns without knowing the distribution of remaining policies age and health.
- 10,318
Mutual Insurers publish annual reports showing investments held and yearly performance of each investment. Its on their website usually.
- 5,778
Recently had a "mutual" go public. The amount of paper they sent out to each client was enormous.
- 10,318
I imagine so. Which carrier was it?
- 5,778
Federal Life...they also pulled their term, single premium, and FE products for an overhaul the first of this year. Covid caught them with their pants down and I'm afraid this year may be a sum 0 on the sales side. I'll hold out some hope, but I can see them pricing themselves right out the market if they don't use some sense in product role out soon.
While stock, mutual, and mutual holding companies have different structures -- start with the respective company's annual report (if applicable). NAIC used to publish a report (I am not sure if it was annual) that contained a lot of this type of information, and also included a great deal of information on the general reserves, other reserves, etc., of various companies. The NAIC link in the above post also contains a lot of information. In addition, you can contact companies and see what information they make available. Good luck!
