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/whats states 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 companys 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 carriers 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 organizations Annual Report, news articles, etc.
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