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
Life Insurance Value
What is life insurance value? The face value of a life insurance policy is the initial death benefit it will pay out if the insured passes away. For a term policy, this will remain the same over its life. For a permanent policy, the actual death benefit may grow or decrease as the cash value portion of the policy changes.
To calculate the cash surrender value of a life insurance policy, add up the total payments made to the insurance policy. Then, subtract the fees that will be changed by the insurance carrier for surrendering the policy. Cash value is a savings component typically included in permanent life insurance policies. Depending on your particular policy, the cash value can grow at a fixed or variable interest rate over time. You can borrow against your policy’s cash value in the form of a life insurance loan.
In this section, we have collected the most current articles and reviews on the topic of the Life Insurance Value.
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
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
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
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
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
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
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
16 Most Common Life Insurance Myths You Don’t Need to Heed Anymore
There are many misconceptions and false information concerning life insurance. We are explores some of the most common life insurance myths
Life Insurance a Good Way to Save Money. How to Buy Term Life Insurance?
Buying a life insurance policy can help provide financial security to your family, such as by covering educational expenses for your children if you pass away before they finish school
Life Insurance Industry Results. Direct Premiums Written & Income by Line
Traditional life insurance is no longer the primary business of many companies in the life insurance industry. The emphasis has shifted to underwriting annuities
Why You Should Get Life Insurance? The Main Reasons
Life insurance is something that everyone needs, but in reality, far too few people have it. It’s easy to put aside the thought of buying life insurance when you’re young and healthy
Why Declining Appeal of Endowment Life Insurance is Hurting Financial Wellbeing?
While ensuring financial wellbeing is the core purpose of life insurance, traditional business models have come under stress as socio-economic, demographic, health
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 have used reinsurance to reduce exposure to long-term care (LTC) insurance. The transactions strengthen balance sheets, improve capital efficiency
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. 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