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
The insurance sector is made up of companies that offer risk management in the form of insurance contracts. The basic concept of insurance is that one party, the insurer, will guarantee payment for an uncertain future event.
Life insurance is a contract between you and an insurance company. Essentially, in exchange for your premium payments, the insurance company will pay a lump sum known as a death benefit to your beneficiaries after your death. Your beneficiaries can use the money for whatever purpose they choose.
Life insurance companies make money by charging premiums that are higher than the costs of providing the coverage, including paying death benefits, operating expenses, and taxes. Life insurance companies can also generate revenue through investments in the premiums collected.
In this section, we have collected the most current articles and reviews on the topic of the Life Insurance Sector.
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
UK life insurers are poised to continue benefitting from strong bulk annuity volumes in 2025 despite potential challenges from regulatory changes
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
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, despite modest increases due to ongoing pressure on commercial real estate (CRE) assets
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 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
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 remain unaffected by reductions in Solvency II (S2) transitional measures, despite higher bond yields, focuses on fundamental S2
Canada’s life and annuity insurance sector’s solid performance, boosted by economic growth and favorable interest rates
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
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
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
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
Japanese life and non-life insurers’ underwriting fundamentals are likely to remain healthy overall in 2024, mainly because of waning effects from claims
Life insurance costs and concerns for millennials plus types of insurance most important to young people. 26% of millennials had trouble affording their insurance
US Life insurers’ significant capital and short-term liquidity make them unlikely to be forced sellers of real estate assets at distressed valuations
US life insurers are expected to report improving mortality results for the second quarter and field questions related to credit risk
U.S. life insurers’ commercial real estate (CRE) exposure is predominantly via commercial mortgage loans, with more modest exposure
The U.S. life insurance sector outlook remains neutral, and issuers are well positioned to withstand commercial real estate challenges and expected asset deterioration
Traditional problems Life Insurance industry for decades—such as earnings sensitivity to external factors and opaque risks will remain
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
Total global insurance market premiums grew by 6.1% in real terms to $7,186 trln. The non-life sector posted 5.5% growth, driven by rate hardening in commercial lines
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