U.S. Life Insurers Improve as Capital Strength Holds. Fitch Ratings’ Prism scores
U.S. life insurers posted modest Prism score gains, with resilient capital strength despite rising annuity volumes and investment risk pressures
Life Insurance
A life insurance policy guarantees the insurer pays a sum of money to named beneficiaries when the insured dies in exchange for the premiums paid by the policyholder during their lifetime. The life insurance application must accurately disclose the insured’s past and current health conditions and high-risk activities to enforce the contract.
Life insurance provides financial protection for your family in the event of your passing. Your beneficiaries will receive money to use as they see fit, ensuring security in a difficult time. For a life insurance policy to remain in force, the policyholder must pay a single premium upfront or pay regular premiums over time.
Term life insurance policies expire after a certain number of years. Permanent life insurance policies remain active until the insured dies, stops paying premiums, or surrenders the policy.
US Insurance Sector Outlook 2026: Returns, Risk & Reform
US insurance sector outlook for 2025-2026: capital strength, social inflation risks, P&C returns peak, Florida reforms, life insurance resilience and alt capital trends
US Life Insurers Face Rising Investment Risks: 2026 Outlook
Life insurers keep stable portfolios in 2026, but rising private credit, PLRs, FABNs, and less-liquid assets lift investment risk and regulatory scrutiny
Why Millennials Buying Life Insurance? Top Reasons
Life insurance costs and concerns for millennials plus types of insurance most important to young people. 26% of millennials had trouble affording their insurance
European Life Insurers Push Beyond Spreadsheets with Advanced ALM & SBML
European life insurers replace static SAA spreadsheets with advanced ALM tech to manage risk, capital, and yield under Solvency II and Solvency UK
Canadian Life Insurance Market: H1 2025 Results
Canadian individual life insurance new annualized premium grew 5% year-over-year to C$532 mn in the second quarter 2025
U.S. Life Insurance & Annuity Sales in H1 2025. Market Trends
Total U.S. annuity sales were $223 bn in H1 2025, 3% above prior year results, according to preliminary results from LIMRA’s U.S. Individual Annuity Sales Survey
U.S. Life Insurance Market Growth & Pension Risk Transfer in Q1 2025
In 2025, U.S. individual life insurance new annualized premium reached $3.94 bn. Total U.S. pension risk transfer new premium reached $7.1 bn
2025 UK Life Insurance Market Outlook: Stable Segment with Solid Growth Drivers
AM Best maintains a stable outlook for the UK life insurance market, supported by strong pension-related activity, steady expansion in defined contribution (DC) pensions
Bermuda Life Reinsurers Gain Ground Amid U.S. Annuity Growth
Life reinsurers based in Bermuda have recorded increased activity as annuity sales rise in the U.S. and recent regulatory changes
UK Life Insurance & Annuity Market Maintains Strong Demand
UK life insurers are poised to continue benefitting from strong bulk annuity volumes in 2025 despite potential challenges from regulatory changes
Life Insurers’ Investment Risks and Offshore Reinsurance Threaten Stability
U.S. Financial Stability Oversight Council said
there has been a shift in the composition of life insurers’ liabilities and an increase of private equity firms
U.S. Life Insurers Use Reinsurance to Reduce Long-Term Care Insurance Risk
U.S. life insurers have used reinsurance to reduce exposure to long-term care (LTC) insurance. The transactions strengthen balance sheets, improve capital efficiency
Regulatory Reforms Support North American Life Insurer Ratings
The enhancements to regulatory standards are supportive of ratings for North American life insurers, which are generally expected to maintain strong balance sheets
U.S. Life Insurance Premium and Annuity Sales Growth Trends in 2024-2025
U.S. individual life insurance premium is on track to reach a record $16 bn in 2024 and continue growing in the current year, as the market continues riding a bounce
North American Life Insurer Credit Losses Will Remain Benign in 2025
North American life insurer credit losses will remain benign in 2025, despite modest increases due to ongoing pressure on commercial real estate (CRE) assets
Canadian Life Insurance New Premium Rises to $478 mn in Q3 2024
Total new annualized premium for Canadian life insurance increased 4% to $478 mn in Q3 2024. Despite the rise in premium, the policy count dropped 17%
Global Life Insurance Market in 2025-2026 Will Grow by 3% Annually
Global life insurance premiums are projected to grow at an annual rate of 3% in 2025 and 2026, more than double the average growth of the past decade
CEE Insurance Market: Strong Premium Growth and Rising Claims
Gross written premiums in the Central and Eastern Europe region totaled €26.35 bn, marking a 7.6% year-on-year increase. Insurance claims paid stayed €11.9 bn
U.S. Life Insurers Positioned for Lower Interest Rates Amid Yield Curve Shifts
U.S. life insurers are prepared for lower interest rates, with stable earnings and capital that will remain within rating thresholds
German Life Insurer Ratings Unaffected by Solvency II Reductions
German life insurer ratings remain unaffected by reductions in Solvency II (S2) transitional measures, despite higher bond yields, focuses on fundamental S2
U.S. Annuity Insurance Sales Surge in 2024: Q3 Growth Trends
Total annuity sales in the U.S. reached $114.6 bn in the third quarter of 2024, marking a 29% year-over-year increase. This represents the 16th straight quarter of growth
Canada’s Life & Annuity Insurers Perform Strongly Amid Transition to IFRS 17
Canada’s life and annuity insurance sector’s solid performance, boosted by economic growth and favorable interest rates
Impact of Excess Mortality after COVID-19 on Life & Health Insurance
4 years after the pandemic began in 2020, many countries still report higher death rates. For Life and Health (L&H) insurance, this poses a challenge
U.S. Life Insurance Market in 2024. Top 20 Life Insurers by Premium
Total U.S. life insurance new annualized premium fell 1% in the H1 2024 to $7.4 bn and policies sold remained flat. The total number of policies sold in the 2024
US Life Insurers Report Strong 2024 Earnings and Outline Strategic Growth
US life insurers experienced a relatively stable second quarter, showing higher year-over-year earnings and unveiling strategic updates for select companies
Rising Interest Rates Boost Life Insurers’ Risk Appetite
Life insurers’ risk appetite is returning rapidly as interest rates remain higher for longer. Stock insurers are regaining appetite for asset-intensive business
Retirement Savings Gap and Life Insurance Strategies
The low interest rate years were challenging for people trying to save for retirement. Low rates made savings products and life insurance less appealing
Life Insurers’ Exposures to Illiquid Assets Have Been Rising
While life insurers’ exposures to illiquid assets have been rising, it does not necessarily lead to unmeasured risks. Private and illiquid credit cannot be traded or sold
Higher Interest Rates Improve the Outlook for Life Insurance
Higher interest rates improve the outlook for life insurers. Demand for savings-related products is surging, with US fixed annuity sales
Global Life Insurance Industry in 2024 Undergoing Significant Evolution
The life insurance industry in 2024 looks very different to 15 years ago. Low interest rates from 2008 until the inflation surge after 2021 put huge strain on the traditional life
Life Insurance & Retirement Savings. Forecast for the U.S. & Europe
The surge in interest rates to 15-year highs significantly improves the outlook for life and annuity insurance. The life insurance industry today looks very different to 15 years ago
Impact of Climate Change on Health & Life Insurance Industries
In the insurance industry, understanding of the risks related to climate change is mostly concentrated in P&C business lines as well as investments
UK Life Insurance Sector Outlook for 2025 is Improving
UK life insurance sector are likely to pass on more of the interest they earn on customer cash balances to protect their reputations as customer fairness regulation
US Life Insurers Will See a Benefit to Investment Income in 2024
US life insurers are expected to see a benefit to investment income amid high interest rates in 2024, but investors will likely still be watching for potential issues
US Life Insurance Companies to See Growth Earnings in 2024
US Life insurers’ significant capital and short-term liquidity make them unlikely to be forced sellers of real estate assets at distressed valuations
Business Models and Investment Strategies of US Life Insurers
Private credit investments are increasingly important to the business models and investment strategies of US life insurers
Ratings of U.S. Life Insurers Are Not at Risk from CRE Exposure
Ratings of U.S. life insurers are not currently at risk from commercial real estate (CRE) exposure, given stable investment portfolios comprised of high-quality
U.S. Life Insurance Companies Investment Portfolio
Rising interest rates are expected to continue to reduce investment maintenance reserve (IMR) balances for U.S. life insurers
Australian Insurance Market Statistics for 2024
The Australian Prudential Regulation Authority (APRA) has released its quarterly general and life insurance performance statistics
US Life & Non-Life Insurance Market: Asset & Investment Portfolio
The US non-life insurance market’s holdings of commercial real estate (CRE) and other real estate should withstand the challenging economic environment
7 Simple Steps How to Buy Life Insurance Policy
The decision to buy a life insurance policy is a 7 significant step in securing financial stability for loved ones in the event of one’s passing
US Life Insurers Reports Improving Mortality Results
US life insurers are expected to report improving mortality results for the second quarter and field questions related to credit risk
U.S. & European Life Insurers’ CRE Exposure is Via Commercial Mortgage Loans
U.S. life insurers’ commercial real estate (CRE) exposure is predominantly via commercial mortgage loans, with more modest exposure
Global Pension Fund Investment Slumps in Q2 2023
Global pension fund involvement in M&A plummeted in the second quarter to the lowest quarterly level since 2019, according to S&P
U.S. Life Insurance Sector Outlook Remains Neutral
The U.S. life insurance sector outlook remains neutral, and issuers are well positioned to withstand commercial real estate challenges and expected asset deterioration
Life Insurance Value Chain — Distribution & Product Management
Traditional problems Life Insurance industry for decades—such as earnings sensitivity to external factors and opaque risks will remain
Global Life Insurance Industry is Facing an Inflection Point
Over the past decade, the global life insurance and retirement industry has experienced increasing instability
10 Dos & Don’ts Of Getting Your First Life Insurance Policy
The decision to purchase a life insurance policy is a significant step in securing financial stability for loved ones in the event of one’s passing
How Life Insurers Can Leverage ChatGPT and AI in the Underwriting Process
Everyone is talking about ChatGPT and how it’s going to revolutionize almost every business sector. The life insurance industry is no exception
Life & Non-life Insurance Market of India Outlook
The life insurance industry is expected to increase at a CAGR of 5.3% between 2019 and 2023. India’s insurance penetration was pegged at 4.2%
Top 10 Trends in the Global Life Insurance Market 2024
High demand for global life insurance and increased worldwide risk awareness sparked by the pandemic have encouraged carriers to personalize solutions
Indian Insurance Market Results: Scenario, Forcasts & Performance
Indian Insurance market stands at $131 bn. The Indian insurance industry grew at a CAGR of 17% over the last two decades
Most Insurance Companies are Sitting on Significant Investment Losses
The increase in interest rates over the last year has been positive for life insurers in Europe, improving both solvency and financial results
Life & Health Inclusive Insurance: Availability, Accessibility, Affordability
No Life & Health (L&H) insurance market is fully inclusive. This is supported by the findings of Swiss Re Institute L&H Insurance Inclusion Radar
UK Life Insurance Market Solvency at Record High
The UK life insurance market will continue to maintain strong capitalisation despite the government’s proposals to loosen Solvency II (S2) rules to release capital for insurers
Largest Life Insurance Companies in United States. TOP 20 U.S. Life Insurers
U.S. life insurers’ commercial mortgage fundamentals have largely recovered since the pandemic. TOP 20 Largest Life Insurance Companies
Life Insurance Digitalization and Core Modernization Survey
Mantissa Group initiated a survey, conducted across life Insurance technology and business leaders, and supplemented by a series of interviews
Capital & Investment Income Are Key Points for US Life Insurers
Worries about capital and adverse variable investment income are expected to be the focal points of discussion as life insurers report
German Insurance Market Review: Motor, Health, Life & Non-Life
The impact of current high inflation on German insurance market profitability should be limited due to their ability to adjust prices
Insurers enter 2026 with longer settlement cycles, rising volumes, and slow AI adoption, increasing costs and operational risk, AutoRek finds
Global insurance M&A stabilised, as insurers and brokers took a more strategic approach to acquisitions amid falling interest rates and a realignment of strategic priorities
U.S. life insurers posted modest Prism score gains, with resilient capital strength despite rising annuity volumes and investment risk pressures
Health insurance is an integral part of employee benefits packages in the United States. However, any employer federally required to provide this compensation could admit that their costs can be burdensome