First Monday: A.M. Best’s Leading Analysts Explore Property/Casualty, Life/Annuity & Health Segments of US Insurance Industry

Founded in 1899, A.M. Best Company is the world’s oldest and most authoritative insurance rating and information source.

OLDWICK, N.J., March 5, 2013—A.M. Best Co.’s Review & Preview episode of “First Monday” features commentary by leading analysts representing the company’s official view on the property/casualty, life/annuity and health sectors of the U.S. insurance industry. Click on to view the video program.

The March 2013 episode of “First Monday” includes:

· US Property/Casualty: Reserve Adequacy, ERM Remain Critical:
Group Vice President Anthony Diodato discusses the personal and commercial segments, saying the factors that concern A.M. Best the most revolve around reserve adequacy, pricing discipline and risk management; Group Vice President John Andre says pricing improvements in the U.S./Bermuda reinsurance market are not enough to offset interest rate pressures, leaving managements challenged to keep investors happy:

· US Life/Annuity: Pressure on Insurer Earnings Creeping In:
Group Vice President Ken Frino and Vice President Stephen Irwin explore the continued effect of the “lower for longer” interest rate environment, and say they’re paying close attention to asset allocations and de-risking activities, and expect to see continued retrenchment in the variable annuity segment:

· US Health: Insurers Proactive amid Reform, but Unknowns Linger:
Assistant Vice President Sally Rosen and Frino talk about how carriers have positioned themselves to navigate the new health care operating environment, but say that a wait-and-see stance is required to see exactly how new emerging operating structures and governance impact the landscape:

Each month, “First Monday” will provide A.M. Best’s point of view concerning timely topics or growing trends that are affecting (re)insurance company operations, and in some cases, the analytics behind Best’s Credit Ratings process.

Go to to view the latest edition of “First Monday.” The next edition of “First Monday” will premiere April 1, 2013. To suggest topics for A.M. Best’s analytic teams to address, send an e-mail to

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