Beyond Ratings: An Alternative Approach to Analyzing Life Insurance Financial Strength
David Paul, Principal, ALIRT Insurance Research
Trustees and advisors need to better understand the financial strength of life insurance carriers in this low interest rate environment we are in. The market crash of 2007 and the quick credit worthiness drop of AIG pointed out this lesson to all. Past life insurance debacles, like Executive Life and the more current struggles of Phoenix Life and Conseco have shined a light on carrier financials strength as an area that Trustees and Advisor’s should be aware of. This session will provide the professional with a much greater understanding of gauging carrier financial strength and provide an insight inside carrier financials that, to this point, probably was not seen or understood.