INSURANCE ASSIGNMENT

Insurer Analysis: 
Choice of Insurance Company: Select an insurance company that you are interested in. It should be one that has publicly available information, including annual financial statements. 
The company may be a personal or commercial-lines carrier. Format and Content of Written Report: The written report must be about 3-4 pages including cover page. 
The report should be double-spaced, utilize one-inch margins all around, with a 12- point font only. Carefully proofread, spell check and grammar check your work. 

Your report should include the following: 
1.Cover Page: title of the report, name of the organization discussed, name of student, and date. 
2.Company Overview – please describe the company, the markets it serves, and the products it offers. The overview should include, but not be limited to:a.Annual Revenueb.Domicile Location and Geographic Footprint (i.e. where/what’s state’s the company operate in?)c.Products and Services (i.e. what does the company sell that generates its revenue?)d.Markets Served (i.e. who are the target customer segments for the company’s products and services?)e.High-level organizational structure (i.e. how is the company organized…what functions report to the CEO?)
3.Sales Distribution / Marketing– please describe how the company markets and sales its products and/or services. Be sure to highlight the following:a.Distribution (i.e. agents vs direct, independent vs captive, etc.)b.If applicable, how the carrier reaches their distribution channel(s).
4.Financial Performance – using the key ratios and any other relevant financial information to describe how the company is performing financially. At a minimum, the analysis should include:a.Loss Ratiob.Expense Ratioc.Combined Ratiod.Investment Income Ratioe.Overall Operating Ratio
5.Underwriting and Rating Philosophy – using publicly available information, please identify the carrier’s underwriting and/or rating philosophy. For example, do they target high-risk customers and does their rating (or reputation for pricing) match their customer strategy?
6.Recommendations – based on the information gathered, provide recommends to the carrier to:a.Improve their performance

b.Pursue additional opportunities 7.Information Sources: Please include a list of sources. You will want to use the internet, the libraries, financial data, the organization’s Annual Report, news articles, etc.