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.
Delivering a high-quality product at a reasonable price is not enough anymore.
That’s why we have developed 5 beneficial guarantees that will make your experience with our service enjoyable, easy, and safe.
You have to be 100% sure of the quality of your product to give a money-back guarantee. This describes us perfectly. Make sure that this guarantee is totally transparent.
Read moreEach paper is composed from scratch, according to your instructions. It is then checked by our plagiarism-detection software. There is no gap where plagiarism could squeeze in.
Read moreThanks to our free revisions, there is no way for you to be unsatisfied. We will work on your paper until you are completely happy with the result.
Read moreYour email is safe, as we store it according to international data protection rules. Your bank details are secure, as we use only reliable payment systems.
Read moreBy sending us your money, you buy the service we provide. Check out our terms and conditions if you prefer business talks to be laid out in official language.
Read more