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Current Graph
World Weather-Related Natural Catastrophes By Type Of Event, 1980-2016
Source: © 2017 Munich Re, Geo Risks Research, NatCatSERVICE. As of February 2017.
World Weather-Related Natural Catastrophes By Peril, 1980-2018
(Number of relevant events by peril)
Source: © 2019 Munich Re, Geo Risks Research, NatCatSERVICE. As of March 2019.
World weather-related natural catastrophes by peril, 1980-2017
(Number of relevant events by peril)
Source: © 2018 Munich Re, Geo Risks Research, NatCatSERVICE. As of January 2018.
World Weather-Related Natural Catastrophes By Peril, 1980-2016
Source: © 2017 Munich Re, Geo Risks Research, NatCatSERVICE. As of February 2017.
World Weather-Related Natural Catastrophes By Overall And Insured Losses, 1980-2018
Source: © 2019 Munich Re, Geo Risks Research, NatCatSERVICE. As of March 2019.
World weather-related natural catastrophes by overall and insured losses, 1980-2017
Source: © 2018 Munich Re, Geo Risks Research, NatCatSERVICE. As of January 2018.
World Weather-Related Natural Catastrophes By Overall And Insured Losses, 1980-2016
Source: © 2017 Munich Re, Geo Risks Research, NatCatSERVICE. As of February 2017.
World Weather-Related Natural Catastrophes By Continent, 2018
(Percentage distribution)
Source: © 2019 Munich Re, Geo Risks Research, NatCatSERVICE. As of March 2019.
World weather-related natural catastrophes by continent, 2017
(Percentage distribution)
Source: © 2018 Munich Re, Geo Risks Research, NatCatSERVICE. As of January 2018.
World Weather-Related Natural Catastrophes By Continent, 2016
(Percentage distribution)
Source: © 2017 Munich Re, Geo Risks Research, NatCatSERVICE. As of February 2017.
TOTAL CAPITAL OF NYSE-REPORTING FIRMS, 2002-2011
($ billions)
Source: NYSE Euronext; Securities Industry and Financial Markets Association.
World Life And Nonlife Insurance Premiums 2007
Source: Swiss Re, sigma, No. 3/2008.
Total Auto Premiums By Sector, 2007
TOTAL AUTO PREMIUMS BY SECTOR, 2007
Source: National Association of Insurance Commissioners (NAIC) Annual Statement Database, via Highline Data, LLC. Copyrighted information. No portion of this work may be copied or redistributed without the express written permission of Highline Data, LLC.
Percent Change From Prior Year, Net Premiums Written, Private Passenger Auto, 1999-2007
PERCENT CHANGE FROM PRIOR YEAR, NET PREMIUMS WRITTEN, PRIVATE PASSENGER AUTO, 1999-2007
Source: National Association of Insurance Commissioners (NAIC) Annual Statement Database, via Highline Data, LLC. Copyrighted information. No portion of this work may be copied or redistributed without the express written permission of Highline Data, LLC.
Where The Revenue Dollar Goes, 2007
WHERE THE REVENUE DOLLAR GOES, 2007
(Premiums and investments)
Population Growth Projections For Hurricane Exposed States, 2000-2030
POPULATION GROWTH PROJECTIONS FOR HURRICANE EXPOSED STATES, 2000-2030
(000)
Source: U.S. Department of Commerce, Census Bureau.
World Life And Nonlife Insurance Premiums, 2007
WORLD LIFE AND NONLIFE INSURANCE PREMIUMS, 2007
Source: Swiss Re, sigma, No. 3/2008.
ASSETS OF HEDGE FUNDS, 1950-2008 (1) ($ billions)
ASSETS OF HEDGE FUNDS, 1950-2008 (1)
($ billions)
(1) As of January.
Source: Hennessee Group LLC.
SEPARATELY MANAGED ACCOUNTS INDUSTRY ASSETS UNDER MANAGEMENT, 2003-2007 ($ billions)
SEPARATELY MANAGED ACCOUNTS INDUSTRY ASSETS UNDER MANAGEMENT, 2003-2007
($ billions)
Source: Money Management Institute, Dover Financial Research.
Total Receivables Outstanding At Finance Companies By Category, 2003 And 2007 (1)
TOTAL RECEIVABLES OUTSTANDING AT FINANCE COMPANIES BY CATEGORY, 2003 AND 2007 (1)
(1) Includes finance company subsidiaries of bank holding companies but not of retailers and banks. Includes owned receivables (carried on the balance sheet of the institution) and managed receivables (outstanding balances of pools upon which securities have been issued; these balances are no longer carried on the balance sheets of the loan originator).
Source: Board of Governors of the Federal Reserve System.
CASH OUT HOME MORTGAGE REFINANCING, 1998-2007 (1)
($ billions)
(1) Represents homeowners’ cash withdrawals from home mortgage refinance transactions. Includes prime conventional loans only and is net of retirement of outstanding second mortgages.
(2) Estimated.
Source: Freddie Mac.
REVERSE MORTGAGES: ANNUAL ORIGINATION VOLUME FOR HOME EQUITY CONVERSION MORTGAGES (HECMs), FISCAL YEAR 2004-2008 (1)
(1) HECMs are federally insured reverse mortgage products.
(2) Through June 30, 2008; fiscal year ends September 30.
Source: National Reverse Mortgage Lenders Association.
HOME OWNERSHIP RATES BY AGE OF HOUSEHOLDER, 2011
(Percent)
Source: U.S. Department of Commerce, Census Bureau, Housing Vacancy Survey.
Home Ownership Rates, 1900-2007
HOME OWNERSHIP RATES, 1900-2007
Source: U.S. Department of Commerce, U.S. Census Bureau, Census of Housing.
IT SPENDING BY TYPE OF PROPERTY/CASUALTY INSURANCE COMPANY, 2003-2007 (1)
(1) Information technology expense per total company full-time employee.
Source: Ward Group.
IIT SPENDING AS A PERCENT OF GROSS PREMIUMS WRITTEN BY TYPE OF PROPERTY/CASUALTY INSURANCE COMPANY, 2003-2007
Source: Ward Group.
IT SPENDING BY LIFE, ANNUITIES AND HEALTH INSURANCE COMPANIES, 2002-2006 (1)
(1) Information technology expense per total company full-time employee.
Source: Ward Group.
It Spending As A Percent Of Total Premiums Written By Life, Annuities And Health Insurance Companies, 2002-2006
IT SPENDING AS A PERCENT OF TOTAL PREMIUMS WRITTEN BY LIFE, ANNUITIES AND HEALTH INSURANCE COMPANIES, 2002-2006
Source: Ward Group.
DISTRIBUTION OF THE NUMBER OF NONCASH PAYMENTS, 2006 AND 2009
(1) Automated Clearing House.
Source: Board of Governors of the Federal Reserve System.
DEBT GROWTH BY SECTOR, 1998-2007 (Percent change from prior year)
DEBT GROWTH BY SECTOR, 1998-2007 (Percent change from prior year)
Source: Board of Governors of the Federal Reserve System, June 5, 2008.
ASSETS OF PRIVATE PENSION FUNDS, 1945-2007 ($ billions, end of year)
ASSETS OF PRIVATE PENSION FUNDS, 1945-2007
($ billions, end of year)
Source: Board of Governors of the Federal Reserve System, June 5, 2008.
CATASTROPHE BONDS, ANNUAL RISK CAPITAL ISSUED, 2006-2015
($ billions)
Source: GC Securities, a division of MMC Securities Corp., a U.S. registered broker-dealer, member FINRA/SIPC, and Guy Carpenter.
CATASTROPHE BONDS, RISK CAPITAL OUTSTANDING, 2006-2015
($ billions)
Source: GC Securities, a division of MMC Securities Corp., a U.S. registered broker-dealer, member FINRA/SIPC, and Guy Carpenter.
Growth In U.S. Premiums, Property/Casualty And Life/Health Insurance, 1998-2007
GROWTH IN U.S. PREMIUMS, PROPERTY/CASUALTY AND LIFE/HEALTH INSURANCE, 1998-2007
(Percent change from prior year)
(1) Net premiums written, excluding state funds.
(2) Premiums and annuity considerations for life/health insurance companies. Includes deposit-type funds beginning in 2001.
Source: National Association of Insurance Commissioners (NAIC) Annual Statement Database, via Highline Data, LLC. Copyrighted information. No portion of this work may be copied or redistributed without the express written permission of Highline Data, LLC.
Premiums By Type Of Insurer, 2007 (1)
PREMIUMS BY TYPE OF INSURER, 2007 (1)
(1) Gross direct premiums. Total premiums for 2007 were $1,580 billion.
(2) Blue Cross/Blue Shield, HMOs and hospital, medical and dental indemnity.
Source: National Association of Insurance Commissioners. Reprinted with permission. Further reprint or distribution strictly prohibited without written permission of NAIC
Premiums By Type Of Insurer, 2007 (1)
PREMIUMS BY TYPE OF INSURER, 2007 (1)
(1) Gross direct premiums. Total premiums for 2007 were $1,580 billion.
(2) Blue Cross/Blue Shield, HMOs and hospital, medical and dental indemnity.
Source: National Association of Insurance Commissioners. Reprinted with permission. Further reprint or distribution strictly prohibited without written permission of NAIC
The Nation's Healthcare Dollar: 2006
THE NATION'S HEALTHCARE DOLLAR: 2006 WHERE IT COMES FROM (1)
(1) Does not add to 100 percent due to rounding.
(2) State Children’s Health Insurance Program.
Source: Centers for Medicare and Medicaid Services, Office of the Actuary.
National Healthcare Expenditures, Average Annual Percent Growth From Prior Year, 1993-2017
NATIONAL HEALTHCARE EXPENDITURES, AVERAGE ANNUAL PERCENT GROWTH FROM PRIOR YEAR, 1993-2017
(1) Average annual growth from 1970 through 1993; marks the beginning of the shift to managed care.
(2) Projected.
Source: Centers for Medicare and Medicaid Services, Office of the Actuary.
U.S. Individual Life Market Share By Distribution Channel, 1999-2007
U.S. INDIVIDUAL LIFE MARKET SHARE BY DISTRIBUTION CHANNEL, 1999-2007
(Based on first year collected premium)
(1) Includes career, multiline exclusive and home service agents.
(2) Includes brokers and personal producing general agents.
(3) Includes stockbrokers, financial institution, worksite and other channels.
(4) Estimate.
Source: LIMRA’s U.S. Individual Life Insurance Sales Studies, LIMRA estimates.
Investments, Life/Health Insurers, Bond Portfolio, 2003 And 2007
INVESTMENTS, LIFE/HEALTH INSURERS, BOND PORTFOLIO, 2003 AND 2007
Source: National Association of Insurance Commissioners (NAIC) Annual Statement Database, via Highline Data, LLC. Copyrighted information. No portion of this work may be copied or redistributed without the express written permission of Highline Data, LLC.
Sales Of Individual Annuities By Distribution Channels, 2003 And 2007 (1)
SALES OF INDIVIDUAL ANNUITIES BY DISTRIBUTION CHANNELS, 2003 AND 2007 (1)
(1) Preliminary.
Source: LIMRA International.
Where The Underwriting Dollar Goes, Property/Casualty Insurance, All Lines, 2007
WHERE THE UNDERWRITING DOLLAR GOES, PROPERTY/CASUALTY INSURANCE, ALL LINES, 2007
Source: National Association of Insurance Commissioners (NAIC) Annual Statement Database, via Highline Data, LLC. Copyrighted information. No portion of this work may be copied or redistributed without the express written permission of Highline Data, LLC.
Percent Change From Prior Year, Net Premiums Written, P/C Insurance, 1975-2007 (1)
PERCENT CHANGE FROM PRIOR YEAR, NET PREMIUMS WRITTEN, P/C INSURANCE, 1975-2007 (1)
(1) Excludes state funds.
Source: ISO.
Operating Results, Property/Casualty Insurance, 1998-2007 (1)
OPERATING RESULTS, PROPERTY/CASUALTY INSURANCE, 1998-2007 (1)
($ billions)
(1) Excludes state funds.
(2) Net underwriting gain/loss plus net investment income.
Source: National Association of Insurance Commissioners (NAIC) Annual Statement Database, via Highline Data, LLC. Copyrighted information. No portion of this work may be copied or redistributed without the express written permission of Highline Data, LLC.
Percent Change From Prior Year, Net Premiums Written And Policyholders' Surplus, P/C Insurance, 1999-2007 (1)
PERCENT CHANGE FROM PRIOR YEAR, NET PREMIUMS WRITTEN AND POLICYHOLDERS' SURPLUS, P/C INSURANCE, 1999-2007 (1)
(1) After reinsurance transactions, excluding state funds.
Source: National Association of Insurance Commissioners (NAIC) Annual Statement Database, via Highline Data, LLC. Copyrighted information. No portion of this work may be copied or redistributed without the express written permission of Highline Data, LLC.
Property/Casualty Insurance Combined Ratio, 1975-2007 (1)
PROPERTY/CASUALTY INSURANCE COMBINED RATIO, 1975-2007 (1)
(1) Excluding state funds and residual markets.
Source: ISO.
Investments, Property/Casualty Insurers, 2007
(1) Cash and invested assets, as of December 31, 2007.
(2) Long-term bonds with maturity dates over one year.
Source: National Association of Insurance Commissioners (NAIC) Annual Statement Database, via Highline Data, LLC. Copyrighted information. No portion of this work may be copied or redistributed without the express written permission of Highline Data, LLC.
Total Gross Surplus Lines Premiums Written, 2003-2007
TOTAL GROSS SURPLUS LINES PREMIUMS WRITTEN, 2003-2007
($ billions)
Source: 2005 to 2007 premiums from Business Insurance, September 8, 2008; earlier premiums from other issues.
Market Share Trends By Size Of Insurer, 1987-2007 (1)
MARKET SHARE TRENDS BY SIZE OF INSURER, 1987-2007 (1)
(1) Based on net premiums written, excluding state funds.
Source: ISO.
PREMIUMS WRITTEN BY LINE, PROPERTY/CASUALTY INSURANCE, 2007
($ billions)
(1) After reinsurance transactions, excluding state funds.
(2) Before reinsurance transactions, excluding state funds. May not match total premiums shown elsewhere in this book because of the use of different exhibits from Highline Data LLC.
(3) Includes international and miscellaneous coverages.
(4) Premiums from certain insurers that write health insurance but file financial statements with state regulators on a property/casualty basis.
(5) Only includes nonproportional reinsurance, an arrangement in which a reinsurer makes payments to an insurer whose losses exceed a predetermined amount.
(6) Coverages protecting against legal liability resulting from negligence, carelessness, or failure to act.
Source: National Association of Insurance Commissioners (NAIC) Annual Statement Database, via Highline Data, LLC. Copyrighted information. No portion of this work may be copied or redistributed without the express written permission of Highline Data, LLC.
NET PREMIUMS WRITTEN, PERSONAL AND COMMERCIAL LINES, 2007
Source: National Association of Insurance Commissioners (NAIC) Annual Statement Database, via Highline Data, LLC. Copyrighted information. No portion of this work may be copied or redistributed without the express written permission of Highline Data, LLC.
Workers Compensation Medical Costs, 1998-2007
WORKERS COMPENSATION MEDICAL COSTS, 1998-2007
(1) Based on states where the National Council on Compensation Insurance provides ratemaking services. Represents costs for injuries that resulted in time off from work. Data for 2007 is preliminary.
Source: U.S. Bureau of Labor Statistics; National Council on Compensation Insurance.
INFLATION-ADJUSTED U.S. CATASTROPHE LOSSES BY CAUSE OF LOSS, 1988-2007 (1)
(2007 $ billions)
(1) Catastrophes are all events causing direct insured losses to property of $25 million or more in 2007 dollars. Adjusted for inflation by ISO.
(2) Includes hurricanes and tropical storms.
(3) Excludes snow.
(4) Includes other geologic events such as volcanic eruptions and other earth movement.
(5) Does not include flood damage covered by the federally administered National Flood Insurance Program.
(6) Includes wildland fires.
Source: ISO's Property Claim Services unit (PCS).
Number Of Tornadoes And Related Deaths Per Month, 2007
NUMBER OF TORNADOES AND RELATED DEATHS PER MONTH, 2007
Source: U.S. Department of Commerce, Storm Prediction Center, National Weather Service.
Fires Started By Lightning By Type Of Structure, 2007-2011 (1)
(1) Reported to local fire departments.
Source: National Fire Protection Association.
Lightning Incidents By Month, 2002-2005 (1)
LIGHTNING INCIDENTS BY MONTH, 2002-2005 (1)
(1) Reported to local fire departments.
Source: National Fire Protection Association.
Motor Vehicle Deaths By Activity Of Person Killed, 2007
MOTOR VEHICLE DEATHS BY ACTIVITY OF PERSON KILLED, 2007
(1) Includes other nonoccupants.
Source: U.S. Department of Transportation, National Highway Traffic Safety Administration.
Motor Vehicle Deaths Per 100,000 Persons By Age, 2007
MOTOR VEHICLE DEATHS PER 100,000 PERSONS BY AGE, 2007
Source: Insurance Institute for Highway Safety.
Insurance Expenditures As A Percentage Of Total Household Spending, 2007
INSURANCE EXPENDITURES AS A PERCENTAGE OF TOTAL HOUSEHOLD SPENDING, 2007
Source: U.S. Department of Labor, Bureau of Labor Statistics.
U.S. FIRMS EXPERIENCING A LOSS OF $5 MILLION OR MORE, 2003-2007 (1)
(Percent)
(1) Loss experience in the past 5 years.
Source: 2007 Limits of Liability Report, © Marsh Inc. 2007.
U.S. AVERAGE EXCESS LIABILITY LIMITS RELATIVE TO LOSS EXPERIENCE, 2003-2007 (Average limits purchased, $ millions)
U.S. AVERAGE EXCESS LIABILITY LIMITS RELATIVE TO LOSS EXPERIENCE, 2003-2007
(Average limits purchased, $ millions)
(1) Loss experience in the past 5 years.
Source: 2007 Limits of Liability Report, © Marsh Inc. 2007.
Directors And Officers Liability Claims By Type Of Claimant In The United States, 1997-2007
DIRECTORS AND OFFICERS LIABILITY CLAIMS BY TYPE OF CLAIMANT IN THE UNITED STATES, 1997-2007
NA=Not applicable.
Source: 2007 Directors and Officers Liability Survey, Tillinghast-Towers Perrin.
Median (1) And Average Personal Injury Jury Awards, 2000 And 2006 ($000)
MEDIAN (1) AND AVERAGE PERSONAL INJURY JURY AWARDS, 2000 AND 2006 ($000)
(1) Represents the midpoint jury award. Half of awards are above the median and half are below.
Source: Reprinted with permission from Current Award Trends in Personal Injury. Copyright 2008 by LRP Publications, 747 Dresher Road, P.O. Box 980, Horsham, PA 19044-0980. All rights reserved.
PREMIUMS OF PROPERTY/CASUALTY AND LIFE/HEALTH INSURANCE INDUSTRIES, 1998-2007
($ billions, excludes state funds)
(1) Includes deposit-type funds beginning in 2001.
Source: National Association of Insurance Commissioners (NAIC) Annual Statement Database, via Highline Data, LLC. Copyrighted information. No portion of this work may be copied or redistributed without the express written permission of Highline Data, LLC.
Assets Of Financial Services Sectors, 2007; & Financial Services Employment By Industry, 2007
ASSETS OF FINANCIAL SERVICES SECTORS, 2007; & FINANCIAL SERVICES EMPLOYMENT BY INDUSTRY, 2007
Assets Of Financial Services Sectors 2003, 2007
ASSETS OF FINANCIAL SERVICES SECTORS 2003, 2007
($ billions)
Number Of Announced Financial Services Mergers And Acquisitions, 2003-2007
NUMBER OF ANNOUNCED FINANCIAL SERVICES MERGERS AND ACQUISITIONS, 2003-2007
Source: SNL Financial LC.
FINANCIAL SERVICES EMPLOYMENT BY INDUSTRY, 2009
(000)
Source: U.S. Department of Labor, Bureau of Labor Statistics.
Gross Domestic Product Of Financial Services, Shares By Component, Including Real Estate, 2006
GROSS DOMESTIC PRODUCT OF FINANCIAL SERVICES, SHARES BY COMPONENT, INCLUDING REAL ESTATE, 2006
Source: U.S. Department of Commerce, Bureau of Economic Analysis.
Gross Domestic Product Of Financial Services, Shares By Component, Excluding Real Estate, 2006
GROSS DOMESTIC PRODUCT OF FINANCIAL SERVICES, SHARES BY COMPONENT, EXCLUDING REAL ESTATE, 2006
Source: U.S. Department of Commerce, Bureau of Economic Analysis.
GROSS NATIONAL SAVINGS, 1940-2007 ($ billions)
GROSS NATIONAL SAVINGS, 1940-2007 ($ billions)
(1) Includes individuals (including proprietors and partnerships), nonprofit institutions primarily serving individuals, life insurance carriers and miscellaneous entities.
Source: U.S. Department of Commerce, Bureau of Economic Analysis.
Holdings Of U.S. Corporate Equities, 2007 (1)
HOLDINGS OF U.S. CORPORATE EQUITIES, 2007 (1)
(1) Market value, end of year; excludes open-end mutual fund shares.
(2) Holdings of U.S. issues by foreign residents.
Source: Board of Governors of the Federal Reserve System, June 5, 2008.
U.S. HOUSEHOLD OWNERSHIP OF MUTUAL FUNDS, 1980-2011
(Percent of all U.S. households)
Source: Investment Company Institute; U.S. Department of Commerce, Bureau of the Census.
Number Of And Dollars Invested In 529 Plan Accounts, 2003-2007
NUMBER OF AND DOLLARS INVESTED IN 529 PLAN ACCOUNTS, 2003-2007
Source: National Association of State Treasurers.
Identity Theft And Fraud Complaints, 2005-2007 (1)
IDENTITY THEFT AND FRAUD COMPLAINTS, 2005-2007 (1)
(1) Percentages are based on the total number of identity theft and fraud complaints by calendar year. These figures exclude national "Do Not Call" registry complaints.
Source: Federal Trade Commission.
U.S. RETIREMENT ASSETS, BY TYPE, 1998-2007
($ trillions, end of year)
(1) Data for 2003, 2005, 2006 and 2007 are estimates.
Source: Investment Company Institute.
Retirement Funds Asset Mix, 2007
RETIREMENT FUNDS ASSET MIX, 2007
Source: Securities Industry and Financial Markets Association.
NUMBER OF PAYEES, PBGC PAYMENTS, SINGLE-EMPLOYER PROGRAM, 1980-2007
(000)
(1) Deferred status refers to individuals eligible for future payments.
(2) Payees are retired participants or their beneficiaries receiving payments.
Source: Pension Benefit Guaranty Corporation.
Ira Market Shares By Holder, 2003 And 2007
IRA MARKET SHARES BY HOLDER, 2003 AND 2007
Source: Board of Governors of the Federal Reserve System, June 5, 2008.
Asset Allocation For 401(k) Plans, 2020
Source: Based on data from Investment Company Institute: Holden, Sarah, James Duvall, and Elena Barone Chism. 2021. “The Economics of Providing 401(k) Plans: Services, Fees, and Expenses, 2020.” ICI Research Perspective 27, no. 6 (June). Available at www.ici.org/files/2021/ per27-06.pdf.
Sales Of Individual Annuities By Distribution Channels, 2003 And 2007 (1)
SALES OF INDIVIDUAL ANNUITIES BY DISTRIBUTION CHANNELS, 2003 AND 2007 (1)
(1) Preliminary.
Source: LIMRA International.
Variable Annuity Total Sales By Distribution Channel, 2007 (1)
VARIABLE ANNUITY TOTAL SALES BY DISTRIBUTION CHANNEL, 2007 (1)
(1) As of December 31, 2007.
(2) Regulated by the Financial Industry Regulatory Authority.
Source: Morningstar, Inc.
NET ASSETS OF VARIABLE ANNUITIES, 1998-2007
($ billions)
Source: Morningstar, Inc.
MUTUAL FUND RETIREMENT ASSETS BY TYPE OF PLAN, 2007 (1) ($ billions)
MUTUAL FUND RETIREMENT ASSETS BY TYPE OF PLAN, 2007 (1)
($ billions)
(1) Preliminary.
Source: Investment Company Institute.
BANK SALES OF RETAIL MUTUAL FUNDS, 2007-2011 (1)
($ billions)
(1) Estimated.
Source: Bank Insurance and Securities Research Associates (BISRA).
BANK INDIVIDUAL LIFE INSURANCE SALES, 2003-2007 ($ millions)
BANK INDIVIDUAL LIFE INSURANCE SALES, 2003-2007
($ millions)
Source: Kehrer-LIMRA.
BANK INSURANCE DISTRIBUTION ACTIVITY, 2010 (1)
(1) Based on the responses of banks in the survey that sell insurance products.
Source: 2010 Survey of Banks in Insurance, American Bankers Insurance Association.
PRIMARY PROPERTY/CASUALTY DISTRIBUTION METHOD, 2010 (1)
(1) Percent of surveyed banks distributing these insurance products.
Source: 2010 Survey of Banks in Insurance, American Bankers Insurance Association.
Premiums By Type Of Insurer, 2007 (1)
PREMIUMS BY TYPE OF INSURER, 2007 (1)
(1) Gross direct premiums. Total premiums for 2007 were $1,580 billion.
(2) Blue Cross/Blue Shield, HMOs and hospital, medical and dental indemnity.
Source: National Association of Insurance Commissioners (NAIC). Reprinted with permission. Further reprint or distribution strictly prohibited without written permission of NAIC.
U.S. Property/Casualty And Life/Health Insurance Premiums, 2007 (1)
U.S. PROPERTY/CASUALTY AND LIFE/HEALTH INSURANCE PREMIUMS, 2007 (1)
(1) Excluding state funds.
Source: National Association of Insurance Commissioners (NAIC) Annual Statement Database, via Highline Data, LLC. Copyrighted information. No portion of this work may be copied or redistributed without the express written permission of Highline Data, LLC.
Types Of Bonds Insured By Financial Guaranty Insurers, 2007 (1)
TYPES OF BONDS INSURED BY FINANCIAL GUARANTY INSURERS, 2007 (1)
(1) Net par outstanding, December 31, 2007.
Source: Association of Financial Guaranty Insurers.
Worksite Life Insurance Company Sales By Line Of Business, 2007 (1)
WORKSITE LIFE INSURANCE COMPANY SALES BY LINE OF BUSINESS, 2007 (1)
(1) Short-term and long-term disability.
Source: East Bridge Consultants.
The Nation's Healthcare Dollar: 2006 Where It Comes From (1)
THE NATION'S HEALTHCARE DOLLAR: 2006 WHERE IT COMES FROM (1)
(1) Does not add to 100 percent due to rounding.
(2) State Children’s Health Insurance Program.
Source: Centers for Medicare and Medicaid Services, Office of the Actuary.
Assets Of Fdic-Insured Commercial Banks, 2007
ASSETS OF FDIC-INSURED COMMERCIAL BANKS, 2007
Source: Federal Deposit Insurance Corporation.
Credit Union Members, 1980-2007 (000)
CREDIT UNION MEMBERS, 1980-2007
(000)
Source: National Credit Union Administration.
SECURITIES INDUSTRY PRETAX RETURN ON EQUITY, 1998-2007 (1) (Percent)
(Percent)
(1) New York Stock Exchange members doing public business.
Source: Securities Industry and Financial Markets Association.
SECURITIES INDUSTRY PRETAX PROFITS/LOSS, 1998-2007 (1)
($ billions)
(1) New York Stock Exchange members doing public business.
Source: Securities Industry and Financial Markets Association.
SECURITIES INDUSTRY CONCENTRATION BY TOTAL REVENUE, 1997, 2002 AND 2007 (1)
(Percent)
(1) New York Stock Exchange member firms doing public business.
Source: Securities Industry and Financial Markets Association.
Asset-Backed Security Sources, 2003 And 2007
ASSET-BACKED SECURITY SOURCES, 2003 AND 2007
(1) Securities of federal mortgage pools backing privately issued collateralized mortgage obligations (CMOs). In CMOs, mortgage principal and interest payments are separated into different payment streams to create bonds that repay capital over differing periods of time.
(2) Mortgages backing privately issued pool securities and CMOs.
(3) Treasury securities accounted for less than 1 percent in 2003.
Source: Board of Governors of the Federal Reserve System, June 5, 2008.
Mutual Fund Industry Net Assets By Type Of Fund, 2007; & Number Of Mutual Funds By Type Of Fund, 2007
MUTUAL FUND INDUSTRY NET ASSETS BY TYPE OF FUND, 2007; & NUMBER OF MUTUAL FUNDS BY TYPE OF FUND, 2007
Source: Investment Company Institute.
WORKERS COMPENSATION MEDICAL COSTS, 2000-2009
(1) Based on states where the National Council on Compensation Insurance provides ratemaking services. Represents costs for injuries that resulted in time off from work. Data for 2009 are preliminary.
Source: U.S. Bureau of Labor Statistics; National Council on Compensation Insurance.
MEDIAN (1) AND AVERAGE PERSONAL INJURY JURY AWARDS BY TYPE OF LIABILITY, 2010
(1) Represents the midpoint jury award. Half of awards are above the median and half are below.
Source: Thomson Reuters.
NUMBER OF AND DOLLARS INVESTED IN 529 PLAN ACCOUNTS, 2005-2009
Source: National Association of State Treasurers.
PERCENT OF PERSONAL INJURY JURY AWARDS OVER $1 MILLION, 2001-2010
Source: Thomson Reuters.
ASSETS OF FDIC-INSURED COMMERCIAL BANKS, 2009
Source: Federal Deposit Insurance Corporation.
CATASTROPHE BONDS, ANNUAL RISK CAPITAL ISSUED, 2002-2011
($ billions)
(1) As of December 9.
Source: GC Securities and Guy Carpenter & Company, LLC.
DEBT GROWTH BY SELECTED SECTOR, 2000-2009
(Percent change from prior year)
Source: Board of Governors of the Federal Reserve System, June 10, 2010.
CATASTROPHE BONDS, RISK CAPITAL OUTSTANDING, 2002-2011
($ billions)
(1) As of December 9.
Source: GC Securities and Guy Carpenter & Company, LLC.
ASSETS OF PRIVATE PENSION FUNDS, 1945-2009
($ billions, end of year)
Source: Board of Governors of the Federal Reserve System, June 10, 2010.
U.S. RETIREMENT ASSETS, 2007 AND 2011
($ trillions, year-end)
(1) Estimated.
Source: Investment Company Institute.
HOLDINGS OF U.S. CORPORATE EQUITIES, 2009 (1)
(1) Market value, end of year; excludes open-end mutual fund shares.
(2) Holdings of U.S. issues by foreign residents.
Source: Board of Governors of the Federal Reserve System, June 10, 2010.
AVERAGE ASSET ALLOCATION FOR ALL 401(K) PLAN BALANCES, 2010 (1)
(1) Percentages are dollar-weighted averages.
Source: Investment Company Institute.
IRA MARKET SHARES BY HOLDER, 2005 AND 2009
Source: Board of Governors of the Federal Reserve System, June 10, 2010.
MUTUAL FUND RETIREMENT ASSETS BY TYPE OF PLAN, 2011 (1)
($ billions, end of year)
(1) Preliminary data. Does not include defined benefit plans.
Source: Investment Company Institute.
ASSET-BACKED SECURITY SOURCES, 2005 AND 2009
(1) Securities of federal mortgage pools backing privately issued collateralized mortgage obligations (CMOs). In CMOs, mortgage principal and interest payments are separated into different payment streams to create bonds that repay capital over differing periods of time.
(2) Mortgages backing privately issued pool securities and CMOs.
(3) Treasury securities accounted for less than 1 percent in 2005.
Source: Board of Governors of the Federal Reserve System, June 10, 2010.
DEFINED CONTRIBUTION PLAN ASSETS BY TYPE OF PLAN, 2002-2011
($ billions, end of year)
(1) Includes Keoghs and other defined contribution plans, such as profit-sharing plans, without 401(k) features.
(2) Estimated.
Note: May not add to total due to rounding.
Source: Investment Company Institute.
TWELVE-MONTH LOAN GROWTH RATES, 2000-2009
(Percent, end of year)
Source: Federal Deposit Insurance Corporation.
IRA MARKET SHARES BY HOLDER, 2007 AND 2011
(1) Includes savings banks and commercial banks; includes Keogh accounts.
(2) Includes Keogh accounts.
(3) Excludes variable annuities.
Source: Board of Governors of the Federal Reserve System, June 7, 2012.
ASSETS OF FINANCIAL SERVICES SECTORS
Source: Board of Governors of the Federal Reserve System, June 10, 2010.
ASSETS OF FINANCIAL SERVICES SECTORS, 2009
($ billions)
Source: Board of Governors of the Federal Reserve System.
AUTO SHARE OF P/C INDUSTRY, 2011
($ billions, net premiums written)
Source: SNL Financial LC.
PERCENT CHANGE FROM PRIOR YEAR, NET PREMIUMS WRITTEN, PRIVATE PASSENGER AUTO INSURANCE, 2002-2011
Source: SNL Financial LC.
GROWTH IN U.S. PREMIUMS, PROPERTY/CASUALTY AND LIFE/HEALTH INSURANCE, 2000-2009
(Percent change from prior year)
(1) Net premiums written, excluding state funds.
(2) Premiums and annuity considerations (fees for annuity contracts) for life/health insurance companies. Includes deposit-type funds beginning in 2001.
Source: SNL Financial LC.
PREMIUMS WRITTEN BY LINE, PROPERTY/CASUALTY INSURANCE, 2011
($ billions)
(1) After reinsurance transactions, excluding state funds.
(2) Before reinsurance transactions; includes some state funds.
(3) Includes international and miscellaneous coverages.
(4) Premiums from certain insurers that write health insurance but file financial statements with state regulators on a property/casualty rather than life/health basis.
(5) Only includes nonproportional reinsurance, an arrangement in which a reinsurer makes payments to an insurer whose losses exceed a predetermined amount.
(6) Coverages protecting against legal liability resulting from negligence, carelessness, or failure to act.
Source: SNL Financial LC.
LONDON MARKET GROSS PREMIUM INCOME, 1995-2004 (1)
(£ millions)
(1) Values are in British pounds. 1998 breakdown is International Financial Services, London's estimate based on 1997 and 1999 data.
Source: Association of British Insurers; International Underwriting Association of London; Lloyd's; Carter and Falush: The London Insurance Market.
U.S. PROPERTY/CASUALTY AND LIFE/HEALTH INSURANCE PREMIUMS, 2009 (1)
(1) Net premiums written, excluding state funds.
Source: SNL Financial LC.
LLOYD'S INSURANCE MARKET CAPACITY, 1998-2007 (1)
(£ billions)
(1) Beginning of year.
Source: Lloyd's Members' Services Unit
WORLD LIFE AND NONLIFE INSURANCE PREMIUMS, 2009
Source: Swiss Re, sigma, No. 2/2010, update December 2010.
SELECTED INSURANCE INDUSTRY FINANCIAL ASSETS, 2007
($ billions)
Source: Board of Governors of the Federal Reserve System, June 5, 2008.
GROSS NATIONAL SAVINGS, 1940-2009
($ billions)
(1) Includes individuals (including proprietors and partnerships), nonprofit institutions primarily serving individuals, life insurance carriers and miscellaneous entities.
Source: U.S. Department of Commerce, Bureau of Economic Analysis.
U.S. PROPERTY/CASUALTY AND LIFE/HEALTH INSURANCE PREMIUMS, 2011 (1)
(1) Property/casualty: net premiums written, excluding state funds; life/health: premiums, annuity considerations (fees for annuity contracts) and deposit-type funds.
Source: SNL Financial LC.
WORKERS COMPENSATION INDEMNITY COSTS PER CLAIM, 1991-2007 (1)
($000)
(1) Indemnity costs per lost-time claim. 1991-2006: Based on data through 12/31/2006, developed to ultimate; based on the states where NCCI provides ratemaking services. Excludes the effects of deductible policies.
(2) Preliminary based on data valued as of 12/31/2007.
Source: NCCI Holdings, Inc.
U.S. HOUSEHOLD OWNERSHIP OF MUTUAL FUNDS, 1980-2009
(Percent of all U.S. households)
Source: Investment Company Institute, U.S. Bureau of the Census.
GROWTH IN U.S. PREMIUMS, PROPERTY/CASUALTY AND LIFE/HEALTH INSURANCE, 2002-2011
(Percent change from prior year)
(1) Net premiums written, excluding state funds.
(2) Premiums and annuity considerations (fees for annuity contracts) for life/health insurance companies.
Source: SNL Financial LC.
STUDENTS WITH CREDIT CARDS, BY RACE/ETHNICITY, FAMILY INCOME AND GRADE LEVEL, 2011
Source: Sallie Mae.
WORLD NATURAL CATASTROPHE LOSSES, FIRST QUARTER 2011
Source: © 2011 Munich Re, Geo Risks Research, NatCatSERVICE. As of April 2011.
INVESTMENTS, LIFE/HEALTH INSURERS, BOND PORTFOLIO, 2011 (1)
(1) Long-term bonds with maturity dates over one year, as of December 31, 2011.
Source: SNL Financial LC.
NATURAL DISASTER LOSSES IN THE UNITED STATES, 2012
†Overall agricultural crop losses were approximately $20 billion. $15-17 billion was recovered by the public-private multi-peril crop insurance program, making it the biggest loss in U.S. agricultural insurance history. In average years insured losses were around $9 billion.
Source: © 2013 Munich Re, NatCatSERVICE. As of January 2013.
INVESTMENTS, PROPERTY/CASUALTY INSURERS, 2011
(1) Cash and invested net admitted assets, as of December 31, 2011.
Source: SNL Financial LC.
Number Of Natural Disasters In The United States, 1980–First Half 2016
(Number of events)
Source: © 2016 Munich Re, NatCatSERVICE. As of July 2016.
PROPERTY/CASUALTY INSURANCE COMBINED RATIO, 1975-2011 (1)
(1) Excluding state funds and residual markets.
Source: ISO, a Verisk Analytics company.
NATURAL DISASTERS IN THE UNITED STATES, 1980ââ¬"2011
(Number of events, Annual totals 1980–2010 vs. first six months 2011)
Source: © 2011 Munich Re. NatCatSERVICE.
PERCENT CHANGE FROM PRIOR YEAR, NET PREMIUMS WRITTEN, P/C INSURANCE, 1975-2011 (1)
(1) Excludes state funds.
Source: ISO, a Verisk Analytics company.
U.S. THUNDERSTORM LOSS TRENDS, FIRST HALF 1980-2012
(January – June Only, 1980 - 2012)
Source: 2012 Munich Re, NatCatSERVICE; The Property Claim Services (PCS) unit of ISO. As of July 2012.
INFLATION-ADJUSTED U.S. CATASTROPHE LOSSES BY CAUSE OF LOSS, 1992-2011 (1)
(2011 $ billions)
(1) Estimated property losses adjusted for inflation through 2011 by ISO using the GDP implicit price deflator. Excludes catastrophes causing direct losses less than $25 million in 1997 dollars. Does not include flood damage covered by the federally administered National Flood Insurance Program.
(2) Excludes snow.
(3) Includes wildland fires.
(4) Includes losses from civil disorders, water damage, utility service disruptions, and any workers compensation catastrophes generating losses in excess of PCS's threshold after adjusting for inflation.
Source: The Property Claim Services (PCS) unit of ISO, a Verisk Analytics company.
U.S. Convective Loss Events, 1980-2015
(2015 $ billions)
Source: © 2016 Munich Re, NatCatSERVICE; Property Claim Services (PCS®)*, a Verisk Analytics® business. As of January 2016.
Natural Catastrophe Losses In The United States, 2019
(Based on perils; US$ millions)
Source: © 2020 Munich Re, NatCatSERVICE; Property Claim Services (PCS®)*, a Verisk Analytics® business. As of June 2020.
U.S. Winter Storm Insured Loss Trends, 1980-2019
(2019 $ billions)
Source: © 2020 Munich Re, Geo Risks Research, NatCatSERVICE. As of June 2020.
TOP THREE STATES BY INFLATION-ADJUSTED CATASTROPHE LOSSES, 1982-2011 (1)
(2011 $ billions)
(1) Estimated property losses adjusted for inflation through 2011 by ISO using the GDP implicit price deflator. Excludes catastrophes causing direct losses less than $25 million in 1997 dollars. Does not include flood damage covered by the federally administered National Flood Insurance Program. Percentages do not sum to 100 due to rounding.
(2) Includes the other 47 states plus Washington, D.C., Puerto Rico, and the U.S. Virgin Islands.
Source: The Property Claim Services (PCS) unit of ISO, a Verisk Analytics company.
SALES OF INDIVIDUAL ANNUITIES BY DISTRIBUTION CHANNEL, 2005 AND 2009 (1)
(1) Preliminary.
Source: LIMRA International.
LIFE INDIVIDUAL MARKET SHARE BY DISTRIBUTION CHANNEL, 2002-2011
(Based on first year collected premium)
(1) Includes brokers, stockbrokers and personal producing general agents.
(2) Includes career, multiline exclusive and home service agents.
(3) No producers are involved. Does not include direct marketing efforts involving agents.
(4) Includes financial institutions, worksite and other channels.
(5) Estimate.
Source: LIMRA’s U.S. Individual Life Insurance Sales Survey and LIMRA estimates.
DEFFERED ANNUITY ASSETS, 2000-2009
($ billions, year-end)
Source: LIMRA International, The U.S. Individual Annuity Yearbook - 2009.
CYBER CRIME COMPLAINTS, 2007-2011 (1)
(1) Based on complaints submitted to the Internet Crime Complaint Center.
Source: Internet Crime Complaint Center.
Households With Disaster-Preparedness Measures
Source: Insurance Research Council: Public Attitude Monitor, 2003.
INDIVIDUAL IMMEDIATE ANNUITY SALES, 2005-2009
($ billions)
Source: LIMRA International, The U.S. Individual Annuity Yearbook - 2009.
IDENTITY THEFT AND FRAUD COMPLAINTS, 2009-2011 (1)
(1) Percentages are based on the total number of Consumer Sentinel Network complaints by calendar year. These figures exclude "Do Not Call" registry complaints.
Source: Federal Trade Commission.
Average New Long Term Disability (Ltd) And Short Term Disability (Std) Claim Submissions, 2004
(1) Excludes AIDS/HIV.
Source: JHA, Inc., 2004 Disability Rate Study & Risk Management Survey.
BANK SALES OF RETAIL MUTUAL FUNDS, 2005-2009 (1)
($ billions)
(1) Estimated.
Source: Kehrer-LIMRA.
FLOOD INSURANCE POLICIES IN FORCE BY OCCUPANCY TYPE, 2011
Source: Federal Emergency Management Agency (FEMA).
Average New Long Term Disability (Ltd) And Short Term Disability (Std) Claim Submissions, 2004
CATASTROPHE BONDS, ANNUAL RISK CAPITAL ISSUED, 2000-2009
($ millions)
Source: GC Securities and Guy Carpenter & Company, LLC.
FLOOD INSURANCE POLICIES IN FORCE BY OCCUPANCY TYPE, 2011
Source: Federal Emergency Management Agency (FEMA).
HEAT WAVES AND DROUGHTS, 1980ââ¬"2010 (1)
(1) The symbols show the most affected regions. The map shows events with property losses and/or fatalities.
Source: © 2010 Münchener Rückversicherungs-Gesellschaft, Geo Risks Research, NatCatSERVICE – As of December 2010.
SALES OF INDIVIDUAL ANNUITIES BY DISTRIBUTION CHANNELS, 2007 AND 2011 (1)
(1) Preliminary.
Source: LIMRA International.
Average Disability Duration, 2004 (1)
(1) As reported by participating carriers. Duration from disability date, includes Elimination Period, for closed claims only.
(2) Excludes AIDS/HIV.
Source: JHA, Inc., 2004 Disability Rate Study & Risk Management Survey.
PERCENT CHANGE FROM PRIOR YEAR, NET PREMIUMS WRITTEN, P/C INSURANCE, 1975-2009 (1)
(1) Excludes state funds.
Source: ISO.
National Health Expenditures, Average Annual Percent Growth From Prior Year, 1993-2023
(1) Average annual growth from 1970 through 1993; marks the beginning of the shift to managed care.
(2) Projected.
Source: Centers for Medicare and Medicaid Services, Office of the Actuary.
PROPERTY/CASUALTY INSURANCE COMBINED RATIO, 1975-2009 (1)
(1) Excluding state funds and residual markets.
Source: ISO.
INDIVIDUAL IMMEDIATE ANNUITY SALES, 2007-2011
($ billions)
(1) Single premium contracts bought by property/casualty insurers to distribute awards in personal injury or wrongful death lawsuits over a period of time, rather than as lump sums.
Source: LIMRA International.
BANK INDIVIDUAL LIFE INSURANCE SALES, 2005-2009 (1)
($ millions)
(1) Based on total new premium.
Source: Kehrer-LIMRA.
OPERATING RESULTS, PROPERTY/ CASUALTY INSURANCE, 2002-2011 (1)
($ billions)
(1) Excludes state funds.
(2) Net underwriting gain/loss plus net investment income.
Source: SNL Financial LC.
INSURANCE INDUSTRY CROSS-BORDER SALES, 2009 (1)
($ millions)
(1) Sales are gross premiums written.
Source: Organization for Economic Cooperation and Development.
PERCENT CHANGE FROM PRIOR YEAR, NET PREMIUMS WRITTEN AND POLICYHOLDERS' SURPLUS, P/C INSURANCE, 2002-2011 (1)
(1) After reinsurance transactions, excluding state funds.
Source: SNL Financial LC.
III MEDIA INDEX, FIRST QUARTER 2008 vs. FIRST QUARTER 2009
WORKERS COMPENSATION MEDICAL COSTS, 2002-2011
(1) Based on states where the National Council on Compensation Insurance provides ratemaking services. Represents costs for injuries that resulted in time off from work. Data for 2011 are preliminary.
Source: U.S. Department of Commerce, Bureau of Labor Statistics; National Council on Compensation Insurance.
Iii Media Index, Percent Change From Previous Year
INSURANCE EXPENDITURES AS A PERCENTAGE OF TOTAL HOUSEHOLD SPENDING, 2011
Source: U.S. Department of Labor, Bureau of Labor Statistics.
III MEDIA INDEX, FIRST QUARTER 2008 vs. FIRST QUARTER 2009
WORKSITE LIFE INSURANCE SALES BY LINE OF BUSINESS, 2009
(1) Short-term and long-term disability.
Source: Eastbridge Consulting Group, Inc.
Fire Losses In The United States, By Line Of Insurance, 2023 (1)
Iii Media Index, Percent Change From Previous Year
ANNUITY SALES BY PRODUCT TYPE, 2009
($ billions)
(1) Single premium contracts bought by property/casualty insurers to distribute awards in personal injury or wrongful death lawsuits over a period of time, rather than as lump sums.
Source: LIMRA International.
NATIONAL HEALTH EXPENDITURES, AVERAGE ANNUAL PERCENT GROWTH FROM PRIOR YEAR, 1993-2021
(1) Average annual growth from 1970 through 1993; marks the beginning of the shift to managed care.
(2) Projected.
Source: Centers for Medicare and Medicaid Services, Office of the Actuary, National Health Statistics Group.
Where the Nation's Healthcare Dollar Came From, 2019
(1) Includes co-payments, deductibles, and any amounts not covered by health insurance.
(2) Department of Veterans Affairs, Department of Defense and Children's Health Insurance Program.
Source: Centers for Medicare and Medicaid Services, Office of the Actuary, National Health Statistics Group.
NUMBER OF ANNOUNCED FINANCIAL SERVICES MERGERS AND ACQUISITIONS, 2005-2009
Source: SNL Financial LC.
HURRICANE SANDY INSURED LOSSES BY LINE
($ billions)
Source: The Property Claim Service (PCS) unit of ISO, a Verisk Analytics company. As of 7/23/13.
Number Of Tornadoes And Related Deaths Per Month, 2024 (1)
LIFE INDIVIDUAL MARKET SHARE BY DISTRIBUTION CHANNEL, 2000-2009
(Based on first year collected premium)
(1) Includes career, multiline exclusive and home service agents.
(2) Includes brokers and personal producing general agents.
(3) No producers are involved. Does not include direct marketing efforts involving agents.
(4) Includes stockbrokers, financial institutions, worksite and other channels.
(5) Estimate.
Source: LIMRA’s Market Share by Distribution Channel Survey, LIMRA estimates.
HURRICANE SANDY CLAIMS
Source: The Property Claim Service (PCS) unit of ISO, a Verisk Analytics company. As of 7/23/13.
NUMBER OF TORNADOES AND RELATED DEATHS PER MONTH, 2008
Source: U.S. Department of Commerce, Storm Prediction Center, National Weather Service.
INVESTMENTS, LIFE/HEALTH INSURERS, BOND PORTFOLIO, 2009 (1)
Source: SNL Financial LC.
EMPLOYMENT PRACTICES LIABILITY, BY DEFENDANT TYPE, 2005-2011 (1)
(1) Based on plaintiff and defendant verdicts rendered.
Source: Thomson Reuters.
Median And Average Personal Injury Jury Awards By Type Of Liability, 2020
INVESTMENTS, PROPERTY/CASUALTY INSURERS, 2009
(1) Cash and invested net admitted assets, as of December 31, 2009.
(2) Long-term bonds with maturity dates over one year.
Source: SNL Financial LC.
FIRE LOSSES IN THE UNITED STATES, BY LINE OF INSURANCE, 2011
(1) Includes private insurance and FAIR plans.
Source: ISO, a Verisk Analytics company.
CREDIT MARKET DEBT GROWTH BY SELECTED SECTOR, 2002-2011 (1)
(Percent change from prior year)
(1) Percent change using seasonally adjusted data from prior year on an end-of-year basis.
Source: Board of Governors of the Federal Reserve System, June 7, 2012.
Cybercrime Complaints, 2020-2024 (1)
MARKET SHARE TRENDS BY SIZE OF INSURER, 1991-2011 (1)
(1) Based on net premiums written, excludes state funds and other residual market carriers.
Source: ISO, a Verisk Analytics company.
ASSETS OF PRIVATE PENSION FUNDS, 1945-2011
($ billions, end of year)
Source: Board of Governors of the Federal Reserve System, June 7, 2012.
PREMIUMS WRITTEN BY LINE, PROPERTY/CASUALTY INSURANCE, 2009
($ billions)
(1) After reinsurance transactions, excluding state funds.
(2) Before reinsurance transactions.
(3) Includes international and miscellaneous coverages.
(4) Premiums from certain insurers that write health insurance but file financial statements with state regulators on a property/casualty rather than life/health basis.
(5) Only includes nonproportional reinsurance, an arrangement in which a reinsurer makes payments to an insurer whose losses exceed a predetermined amount.
(6) Coverages protecting against legal liability resulting from negligence, carelessness, or failure to act.
Source: SNL Financial LC.
TOTAL GROSS SURPLUS LINES PREMIUMS WRITTEN, 2007-2011
($ billions)
Source: 2009 to 2011 premiums from Business Insurance, October 8, 2012; earlier premiums from other issues.
Mutual Fund Retirement Assets By Type Of Plan, 2020 (1)
($ billions, end of year)
(1) Preliminary data. Excludes defined benefit plans.
Source: Investment Company Institute. 2021. 2021 Investment Company Fact Book: A Review of Trends and Activities in the U.S. Investment Company Industry. Washington, D.C. Investment Company Institute. www.icifactbook.org.
WORKSITE LIFE INSURANCE SALES BY LINE OF BUSINESS, 2011
(1) Short-term and long-term disability.
Source: Eastbridge Consulting Group, Inc.
ASSETS OF FINANCIAL SERVICES SECTORS
Source: Board of Governors of the Federal Reserve System, June 7, 2012.
SELECTED INSURANCE INDUSTRY FINANCIAL ASSETS, 2009
($ billions)
Source: Board of Governors of the Federal Reserve System.
WORLD NATURAL CATASTROPHE LOSSES, 2012
Source: © 2013 Munich Re, Geo Risks Research, NatCatSERVICE. As of January 2013.
ASSET-BACKED SECURITY SOURCES, 2007 AND 2011
(1) Mortgages backing privately issued pool securities and collateralized mortgage obligations (CMOs).
(2) Securities of federal mortgage pools backing privately issued CMOs. In CMOs, mortgage principal and interest payments are separated into different payment streams to create bonds that repay capital over differing periods of time.
Source: Board of Governors of the Federal Reserve System, June 7, 2012.
INFLATION ADJUSTED U.S. CATASTROPHE LOSSES BY CAUSE OF LOSS, 1990-2009 (1)
(2009 $ billions)
(1) Catastrophes are all events causing direct insured losses to property of $25 million or more in 2009 dollars. Adjusted for inflation by ISO.
(2) Excludes snow.
(3) Does not include flood damage covered by the federally administered National Flood Insurance Program.
(4) Includes wildland fires.
(5) Includes civil disorders, water damage, utility service disruptions and non-property losses such as those covered by workers compensation.
Source: ISO's Property Claim Services (PCS) unit.
WORLD NATURAL CATASTROPHES, 1980's-2012
(Number of events)
Source: © 2013 Munich Re, Geo Risks Research, NatCatSERVICE. As of January 2013.
MUTUAL FUND INDUSTRY NET ASSETS BY TYPE OF FUND, 2011
Source: Investment Company Institute.
GSE SHARE OF RESIDENTIAL MORTGAGE DEBT, 1990-2011 (1)
(1) Includes Fannie Mae and Freddie Mac. GSEs are government-sponsored enterprises.
Source: Federal Housing Finance Agency.
WORLD NATURAL CATASTROPHE LOSSES, 1980's-2012
(Overall and insured losses)
Source: © 2013 Munich Re, Geo Risks Research, NatCatSERVICE. As of January 2013.
Top Five Largest Natural Catastrophes Of 2015 By Insured Losses
($ millions)
* Data based on information from PCS.
Source: © 2016 Munich Re, Geo Risks Research, NatCatSERVICE. As of January 2016.
IRA Market Shares By Holder, 2016 And 2020
(Market value, end of year)
(1) Excludes variable annuities.
(2) Includes Keogh accounts.
(3) Includes savings banks, commercial banks and Keogh accounts.
Source: Board of Governors of the Federal Reserve System, June 10, 2021.
REVERSE MORTGAGES: ANNUAL ORIGINATION VOLUME FOR HOME EQUITY CONVERSION MORTGAGES (HECMs), FISCAL YEAR 2006-2010 (1)
(1) HECMs are federally insured reverse mortgage products.
(2) Through July 2010; fiscal year ends September 30.
Source: National Reverse Mortgage Lenders Association.
NATURAL DISASTER LOSSES IN THE UNITED STATES, FIRST HALF 2013
Source: © 2013 Munich Re, NatCatSERVICE. As of July 2013.
GROSS DOMESTIC PRODUCT OF FINANCIAL SERVICES, SHARES BY COMPONENT, INCLUDING REAL ESTATE, 2010
Source: U.S. Department of Commerce, Bureau of Economic Analysis.
HOME OWNERSHIP RATES BY AGE OF HOUSEHOLDER, 2009
(Percent)
Source: U.S. Department of Commerce, Census Bureau; Housing Vacancy Survey.
NATURAL CATASTROPHE LOSSES IN THE UNITED STATES, 1980-2012
(Overall and insured losses)
Source: © 2013 Munich Re, NatCatSERVICE; The Property Claim Services (PCS) unit of ISO. As of January 2013.
GROSS DOMESTIC PRODUCT OF FINANCIAL SERVICES, SHARES BY COMPONENT, EXCLUDING REAL ESTATE, 2010
Source: U.S. Department of Commerce, Bureau of Economic Analysis.
PREFERRED BANKING METHOD, ALL AGE GROUPS, 2009 (1)
(1) Estimated.
Source: American Bankers Association.
NATURAL DISASTERS IN THE UNITED STATES, 1980ââ¬"2012
(Number of events)
Source: © 2013 Munich Re, NatCatSERVICE. As of January 2013.
ASSETS OF FINANCIAL SERVICES SECTORS, 2011
($ billions)
Source: Board of Governors of the Federal Reserve System.
Flood Insurance Policies In Force By Occupancy Type, 2018 (1)
(1) As of July 31, 2018.
Source: Federal Emergency Management Agency (FEMA).
U.S. THUNDERSTORM LOSS TRENDS, 1980-2012
(Annual totals 1980–2012)
Source: 2013 Munich Re, NatCatSERVICE; The Property Claim Services (PCS) unit of ISO. As of January 2013.
FINANCIAL SERVICES EMPLOYMENT BY INDUSTRY, 2012
(000)
Source: U.S. Department of Labor, Bureau of Labor Statistics.
NATIONAL HEALTH EXPENDITURES, AVERAGE ANNUAL PERCENT GROWTH FROM PRIOR YEAR, 1993-2019
(1) Average annual growth from 1970 through 1993; marks the beginning of the shift to managed care.
(2) Projected.
Source: Centers for Medicare and Medicaid Services, Office of the Actuary.
NUMBER OF U.S. LANDFALLING TROPICAL CYCLONES, 1900-2012
Source: © 2013 Munich Re, NatCatSERVICE; NOAA. As of January 2013.
HOLDINGS OF U.S. CORPORATE EQUITIES, 2011 (1)
(1) Market value, end of year; excludes open-end mutual fund shares.
(2) Holdings of U.S. issues by foreign residents.
Source: Board of Governors of the Federal Reserve System, June 7, 2012.
OPERATING RESULTS, PROPERTY/CASUALTY INSURANCE, 2000-2009 (1)
($ billions)
(1) Excludes state funds.
(2) Net underwriting gain/loss plus net investment income.
Source: SNL Financial LC.
INSURED U.S. TROPICAL CYCLONE LOSSES, 1980-2012
Source: 2013 Munich Re, NatCatSERVICE; The Property Claim Services (PCS) unit of ISO; National Flood Insurance Plan. As of January 2013.
Sales Of Individual Annuities By Distribution Channels, 2020 And 2024
Source: U.S. Individual Annuities, GLIMPSE Quarterly Reports, LIMRA Secure Retirement Institute.
IT SPENDING BY INDUSTRY AND REGION, 2013 AND 2015 (1)
($ billions)
(1) Projected.
Source: Celent.
SIGNIFICANT U.S. NATURAL CATASTROPHES, 2013 (1)
($ billions, 2013 dollars)
(1) $1 billion economic loss and/or 50 fatalities, as of January 7, 2014. Losses based on property losses including, if applicable, agricultural, offshore, marine, aviation and National Flood Insurance Program losses and may differ from data shown elsewhere.
Source: © 2014 Munich Re. NatCatSERVICE.
INDIVIDUAL ANNUITY SALES BY PRODUCT TYPE, 2011
($ billions)
(1) Single premium contracts bought by property/casualty insurers to distribute awards in personal injury or wrongful death lawsuits over a period of time, rather than as lump sums. Classified as a fixed annuity.
Source: LIMRA International.
PERCENT CHANGE FROM PRIOR YEAR, NET PREMIUMS WRITTEN AND POLICYHOLDERS' SURPLUS, P/C INSURANCE, 2000-2009 (1)
(1) After reinsurance transactions, excluding state funds.
Source: SNL Financial LC.
U.S. LANDFALLING TROPICAL CYCLONES, 2011
Note: U.S. insured losses for Hurricane Irene includes National Flood Insurance Program (NFIP) claims. The U.S. insured loss for Tropical storm Lee does not include NFIP losses.
Source: © 2011 Münchener Rückversicherungs-Gesellschaft, Geo Risks Research, NatCatSERVICE. As of November 2011.
BANK INDIVIDUAL LIFE INSURANCE SALES, 2009-2013 (1)
($ millions)
(1) Based on total new premiums.
Source: Bank Insurance and Securities Research Associates (BISRA).
LOSS DISTRIBUTION BY TYPE OF INSURANCE FROM SEPTEMBER 11 TERRORIST ATTACK
($ Billions) (Stated in 2006 Dollars)
LIGHTNING FATALITIES BY STATE, 1959-2010
Source: National Weather Service.
PREMIUMS BY TYPE OF INSURER, 2009 (1)
(1) Based on a survey of insurance departments by the NAIC. May vary somewhat from data based on annual statement filings.
(2) Blue Cross/Blue Shield, HMOs and hospital, medical and dental indemnity.
Source: National Association of Insurance Commissioners (NAIC). Reprinted with permission. Further reprint or redistribution strictly prohibited without written permission of NAIC.
FIRES STARTED BY LIGHTNING BY TYPE OF STRUCTURE, 2004-2008 (1)
(1) Reported to local fire departments.
Source: National Fire Protection Association.
HOMEOWNERSHIP RATES, 1900-2011
Source: 1900-1950: U.S. Department of Commerce, Census Bureau, Census of Housing. 1960-present: Census Bureau, Housing Vacancy Survey.
WHERE THE UNDERWRITING DOLLAR GOES, PROPERTY/CASUALTY INSURANCE, ALL LINES, 2009
Source: SNL Financial LC.
World Natural Catastrophes, 2015
Source: © 2016 Munich Re, Geo Risks Research, NatCatSERVICE. As of January 2016.
NUMBER OF AND DOLLARS INVESTED IN 529 PLAN ACCOUNTS, 2007-2011 (1)
(1) Data prior to 2009 not strictly comparable to earlier data.
Source: National Association of State Treasurers.
INSURANCE PREMIUMS WRITTEN ABROAD BY SUBSIDIARIES OF U.S. COMPANIES, 2009
($ billions)
Source: Organization for Economic Cooperation and Development.
Top Five Largest Natural Catastrophes Of 2015 By Overall Losses
($ millions)
*U.S. losses from Property Claim Services.
Source: © 2016 Munich Re, Geo Risks Research, NatCatSERVICE. As of January 2016.
TOTAL RECEIVABLES OUTSTANDING AT FINANCE COMPANIES BY CATEGORY, 2004 AND 2008 (1)
(1) Includes finance company subsidiaries of bank holding companies but not of retailers and banks. Includes owned receivables (carried on the balance sheet of the institution) and managed receivables (outstanding balances of pools upon which securities have been issued; these balances are no longer carried on the balance sheets of the loan originator).
Source: Board of Governors of the Federal Reserve System.
Insurance Business In The U.S. Written By Subsidiaries Of Foreign Controlled Companies, 2014
(US$ billions)
Source: Organization for Economic Cooperation and Development.
Top Five Largest Natural Catastrophes Of 2015 By Number Of Fatalities
Source: © 2016 Munich Re, Geo Risks Research, NatCatSERVICE. As of January 2016.
World Life And Nonlife Insurance Direct Premiums Written, 2023 (1)
(US$ billions)
(1) Before reinsurance transactions.
(2) Includes accident and health insurance.
Source: Swiss Re Institute, sigma, 3/2024.
THE NATION'S HEALTHCARE DOLLAR: WHERE IT CAME FROM, 2011
(1) Includes co-payments, deductibles, and any amounts not covered by health insurance.
(2) Department of Veterans Affairs, Department of Defense and Children's Health Insurance Program.
Source: Centers for Medicare and Medicaid Services, Office of the Actuary, National Health Statistics Group.
Growth In Net Premiums Written, Property/Casualty And Life/Annuity Insurance, 2015-2024
AUTO SHARE OF P/C INDUSTRY, 2009
($ billions, net premiums written)
Source: SNL Financial LC.
LIGHTNING INCIDENTS BY MONTH, 2004-2008
Source: National Fire Protection Association.
Investments, Life/Annuity Insurers, Bond Portfolio, 2024 (1)
PERCENT CHANGE FROM PRIOR YEAR, NET PREMIUMS WRITTEN, PRIVATE PASSENGER AUTO INSURANCE, 2000-2009
Source: SNL Financial LC.
CATASTROPHE BONDS, ANNUAL RISK CAPITAL ISSUED, 2003-2012
($ billions)
Source: GC Securities, a division of MMC Securities Corp., a U.S. registered broker-dealer, member FINRA/SIPC and Guy Carpenter.
Investments, Property/Casualty Insurers, 2024
(1) Cash and invested net admitted assets, as of December 31, 2024.
(2) Bonds represents 54.7% of total investments.
(3) Includes mortgage loans on real estate.
Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.
CATASTROPHE BONDS, RISK CAPITAL OUTSTANDING, 2003-2012
($ billions)
Source: GC Securities, a division of MMC Securities Corp., a U.S. registered broker-dealer, member FINRA/SIPC and Guy Carpenter.
Workers Compensation Medical Costs, 2015-2024
NUMBER OF ACRES BURNED IN WILDFIRES, 1980ââ¬"2012
Source: © 2013 Munich Re. NatCatSERVICE; National Interagency Fire Center. As of January 2013.
U.S. Firms experiencing a loss of $5 million or more, 2004-2008 (1)
(Percent)
(1) Loss experience in the past 5 years.
Source: 2008 Limits of Liability Report, © Marsh Inc. 2008.
Homeowners Losses Ranked By Claims Severity (Average Claim), 2019-2023 (1)
Significant Natural Catastrophes In The United States, 2015
(Five costliest events ordered by overall losses)
Source: © 2016 Munich Re, NatCatSERVICE; Property Claim Services (PCS®)*, a Verisk Analytics® business. As of February 2016.
U.S. AVERAGE EXCESS LIABILITY LIMITS RELATIVE TO LOSS EXPERIENCE, 2004-2008
(Average limits purchased, $ millions)
(1) Loss experience in the past 5 years.
Source: 2008 Limits of Liability Report, © Marsh Inc, 2008.
Homeowners Losses Ranked By Claims Frequency, 2019-2023 (1)
GROSS NATIONAL SAVINGS, 1940-2011
($ billions)
(1) Includes individuals (including proprietors and partnerships), nonprofit institutions primarily serving individuals, life insurance carriers and miscellaneous entities.
Source: U.S. Department of Commerce, Bureau of Economic Analysis.
PRINCIPAL TYPES OF HOME UNINTENTIONAL-INJURY DEATHS, 2008
(1) Includes deaths resulting from conflagration, regardless of nature of injury.
(2) Inhalation and ingestion of food or other object that obstructs breathing.
Source: National Safety Council.
Deferred Annuity Assets, 2015-2024
PERCENT OF PERSONAL INJURY JURY AWARDS OVER $1 MILLION, 1999-2008
Source: Jury Verdict Research.
Identity Theft And Fraud Reports, 2020-2024 (1)
(1) Percentages are based on the total number of Consumer Sentinel Network reports by calendar year. These figures exclude "Do Not Call" registry complaints.
Source: Federal Trade Commission, Consumer Sentinel Network.
MEDIAN (1) AND AVERAGE PERSONAL INJURY JURY AWARDS, 2002 AND 2008
($000)
(1) Represents the midpoint jury award. Half of awards are above the median and half are below.
Source: Reprinted with permission from Current Award Trends in Personal Injury. Copyright 2010 by LRP Publications, 747 Dresher Road, P.O. Box 980, Horsham, PA 19044-0980. All rights reserved.
U.S. RETIREMENT ASSETS, BY TYPE, 2002-2011
($ trillions, end of year)
(1) Data for 2003, 2009, 2010 and 2011 are estimates.
Source: Investment Company Institute.
AVERAGE PERSONAL INJURY JURY AWARDS, 2009-2013
Source: Reprinted with permission of Thomson Reuters, Current Award Trends in Personal Injury, 54th edition.
INSURANCE EXPENDITURES AS A PERCENTAGE OF TOTAL HOUSEHOLD SPENDING, 2009
Source: U.S. Department of Labor, Bureau of Labor Statistics.
Property/Casualty And Life/Annuity Insurance Premiums, 2024 (1)
(US$ billions)
(1) Property/casualty: net premiums written after reinsurance transactions, excludes state funds; life/annuity: premiums, annuity considerations (fees for annuity contracts) and deposit-type funds. Both sectors include accident and health insurance.
Source: NAIC data, sourced from S&P Global Market Intelligence: Insurance Expense Exhibits, Summary of Operations; Insurance Information Institute.
TOTAL GROSS SURPLUS LINES PREMIUMS WRITTEN, 2005-2009
($ billions)
Source: 2007 to 2009 premiums from Business Insurance, October 11, 2010; earlier premiums from other issues.
Premiums Written By Line, Property/Casualty Insurance, 2015
($ billions)
(1) After reinsurance transactions, excludes state funds.
(2) Before reinsurance transactions, includes some state funds.
(3) Includes miscellaneous coverages.
(4) Includes federally sponsored multiple peril crop and private market crop-hail.
(5) Premiums from certain insurers that write health insurance but file financial statements with state regulators on a property/casualty rather than life/health basis.
(6) Only includes nonproportional reinsurance, an arrangement in which a reinsurer makes payments to an insurer whose losses exceed a predetermined amount.
(7) Coverages protecting against legal liability resulting from negligence, carelessness or failure to act.
Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.
WORLD NATURAL CATASTROPHE LOSSES, FIRST HALF 2011
Source: © 2011 Munich Re, Geo Risks Research, NatCatSERVICE. As of July 2011.
Net Premiums Written, Personal And Commercial Lines, 2024
($ billions)
Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.
PERSONAL FINANCE INFORMATION SOURCES CONSULTED, 2009
Source: Pew Internet and American Life Project.
MARKET SHARE TRENDS BY SIZE OF INSURER, 1989-2009 (1)
(1) Based on net premiums written, excluding state funds.
Source: ISO.
ASSETS OF FDIC-INSURED COMMERCIAL BANKS, 2011
(End of year)
Source: Federal Deposit Insurance Corporation (FDIC).
RETIREMENT FUNDS ASSET MIX, 2009
Source: Securities Industry and Financial Markets Association.
CASH OUT HOME MORTGAGE REFINANCING, 2000-2009 (1)
($ billions)
(1) Represents homeowners' cash withdrawals from home mortgage refinance transactions. Includes prime conventional loans only and is net of retirement of outstanding second mortgages.
(2) Estimated.
Source: Freddie Mac.
NUMBER OF FINANCIAL INDUSTRY REGULATORY AUTHORITY (FINRA) REGISTERED REPRESENTATIVES, 2000-2009
(000)
Source: Securities Industry and Financial Markets Association.
Worksite Life Insurance Sales By Line Of Business, 2024
NUMBER OF FINANCIAL INDUSTRY REGULATORY AUTHORITY (FINRA) REPORTING FIRMS, 2000-2009
Source: Securities Industry and Financial Markets Association.
Life Individual Market Share By Distribution Channel, 2015 And 2024
SECURITIES INDUSTRY PRETAX RETURN ON EQUITY, 2000-2009 (1)
(Percent)
(1) New York Stock Exchange reporting firms doing public business.
Source: Securities Industry and Financial Markets Association.
Individual Fixed Annuity Sales, 2020-2024
SECURITIES INDUSTRY PRETAX PROFIT/LOSS, 2000-2009 (1)
($ billions)
(1) New York Stock Exchange reporting firms doing public business.
Source: Securities Industry and Financial Markets Association.
EQUITY CAPITAL OF NYSE REPORTING FIRMS, 2000-2009
($ billions)
Source: Securities Industry and Financial Markets Association.
BREAKDOWN OF THE PROPERTY/CASUALTY INSURANCE INDUSTRY'S CHARITABLE GIVING BY CAUSES, 2010
Source: McKinsey IICF survey, Center for Encouraging Corporate Philanthropy, Giving by Numbers 2010, McKinsey analysis.
NUMBER OF ANNOUNCED FINANCIAL SERVICES MERGERS AND ACQUISITIONS, 2007-2011
Source: SNL Financial LC.
GLOBAL MUTUAL FUND ASSETS, 2011
(End of year)
Source: Investment Company Institute.
IT SPENDING OF THE GLOBAL FINANCIAL SERVICES INDUSTRY, 2008-2012
($ billions)
(1) Estimated.
Source: Celent.
REVERSE MORTGAGES: ANNUAL ORIGINATION VOLUME FOR HOME EQUITY CONVERSION MORTGAGES (HECMs), FISCAL YEAR 2008-2012 (1)
(1) HECMs are federally insured reverse mortgage products.
(2) Through April 2012; fiscal year ends September 30.
Source: National Reverse Mortgage Lenders Association.
MUTUAL FUND INDUSTRY NET ASSETS BY TYPE OF FUND, 2009
Source: Investment Company Institute.
SEPT. 11 INDUSTRY LOSS ESTIMATES
($B, Adjusted to 2008 Price Level)
(1) Estimated September 11 industry loss at 2001 price level is $32.5 billion.
Source: Insurance Information Institute.
Natural Catastrophe Losses In The United States, First Half 1980-2016
(Overall and insured losses, 2015 $billions)
Source: © 2016 Munich Re, NatCatSERVICE; Property Claim Services (PCS®)*, a Verisk Analytics® business. As of July 2016.
SECURITIES INDUSTRY PRETAX RETURN ON EQUITY, 2002-2011 (1)
(Percent)
(1) New York Stock Exchange reporting firms doing public business in the United States.
Source: NYSE Euronext; Securities Industry and Financial Markets Association.
SELECTED COMPONENTS OF UNDERWRITING, PRIVATE PASSENGER AUTO INSURANCE, 2011 (1)
(1) Based on selected components of underwriting as a percent of net premiums earned, rebased to 100.0 percent.
(2) Taxes, licenses, fees, acquisitions, field supervision, collection and general expenses.
Source: SNL Financial LC.
SECURITIES INDUSTRY PRETAX PROFIT/LOSS, 2002-2011 (1)
($ billions)
(1) New York Stock Exchange reporting firms doing public business in the United States.
Source: NYSE Euronext; Securities Industry and Financial Markets Association.
SELECTED COMPONENTS OF UNDERWRITING, HOMEOWNERS MULTIPLE PERIL INSURANCE, 2011 (1)
(1) Based on selected components of underwriting as a percent of net premiums earned, rebased to 100.0 percent.
(2) Taxes, licenses, fees, acquisitions, field supervision, collection and general expenses.
Source: SNL Financial LC.
ASSETS OF HEDGE FUNDS, 1971-2009 (1)
($ billions)
(1) As of January.
Source: Hennessee Group, LLC.
U.S. LANDFALLING TROPICAL CYCLONES, 2013
Source: © 2014 Munich Re, Geo Risks Research, NatCatSERVICE. As of January 2014.
Motor Vehicle Deaths By Activity Of Person Killed, 2023
BURGLARY BY MONTH, 2009 (1)
(1) The states of Alabama, Florida, and Minnesota did not provide monthly breakdowns for offense and are not included in the monthly variations.
Source: U.S. Department of Justice, Federal Bureau of Investigation.
Motor Vehicle Deaths Per 100,000 Persons By Age, 2023
DRIVER HAND-HELD CELLPHONE USE BY AGE, 2002-2009 (1)
(1) Percent of drivers using hand-held cellphones.
Source: U.S. Department of Transportation, National Highway Traffic Safety Administration.
Types Of Directors And Officers Liability Claims By Ownership, 2011-2014 (1)
(1) Based on participants in the survey that reported one or more claims over the five-year period.
Source: JLT Specialty 2015 U.S. Directors and Officers Liability Survey.
CPI-December 2011
*Only includes tenants or renters insurance on the contents of a residence.
**Bureau of Labor Statistics’ Producer Price Index (preliminary).
***Median sales price. Data from the National Association of Realtors.
DIRECTORS AND OFFICERS LIABILITY CLAIMS BY BUSINESS OWNERSHIP, 2002-2011 (1)
(1) Based on participants in the survey that reported one or more claims over the 10-year period.
Source: 2011 Directors and Officers Liability Survey, Towers Watson.
WORLD NATURAL CATASTROPHE LOSSES, FIRST NINE MONTHS 2011
Source: © 2011 Munich Re, Geo Risks Research, NatCatSERVICE. As of October 2011.
Directors And Officers Liability Claims By Type Of Claimant In The United States, 2011-2014 (1)
(1) Based on participants in the survey that reported one or more claims over the four-year period.
Source: JLT Specialty 2015 U.S. Directors and Officers Liability Survey.
U.S. WINTER
(Annual totals 1980 – 2011)
Source: © 2012 Munich Re. NatCatSERVICE.
Market Share Trends By Size Of Insurer, 2004-2024 (1)
NATURAL DISASTER LOSSES IN THE UNITED STATES, FIRST SIX MONTHS OF 2011
(1) Estimated insured losses are based on property losses including, if applicable, agricultural, offshore, marine, aviation and National Flood Insurance Program losses and may differ from data shown elsewhere. As of July 6, 2011.
(2) Severe thunderstorm includes tornadoes.
(3) Tropical cyclone includes hurricanes.
Source: © 2011 Munich Re. NatCatSERVICE.
Property/Casualty Insurance Combined Ratio, 2000-2024
NATURAL DISASTERS IN THE UNITED STATES, 1980ââ¬"2011
(Number of events, January-June only)
Source: © 2011 Munich Re. NatCatSERVICE.
Percent Change from Prior Year, Net Premiums Written, P/C Insurance, 2000-2024
U.S. THUNDERSTORM LOSS TRENDS
(January – June only, 1980-2011)
Source: © 2011 Munich Re. NatCatSERVICE.
Inflation-Adjusted U.S. Insured Catastrophe Losses By Cause Of Loss, 1997-2016 (1)
(2016 $ billions)
(1) Adjusted for inflation through 2016 by ISO using the GDP implicit price deflator. Excludes catastrophes causing direct losses less than $25 million in 1997 dollars. Excludes flood damage covered by the federally administered National Flood Insurance Program.
(2) Includes other wind, hail, and/or flood losses associated with catastrophes involving tornadoes.
(3) Includes wildland fires.
(4) Includes losses from civil disorders, water damage, utility service disruptions, and any workers compensation catastrophes generating losses in excess of PCS's threshold after adjusting for inflation.
Source: The Property Claim Services® (PCS®) unit of ISO®, a Verisk Analytics® company.
U.S. WINTER STORM LOSS TRENDS
(Annual totals 1980–2010 vs. first half 2011)
Source: © 2011 Munich Re. NatCatSERVICE.
Retirement Funds Asset Mix, 2020
Source: Board of Governors of the Federal Reserve System, June 10, 2021.
INSURED U.S. TROPICAL CYCLONE LOSSES, 1980-2013
Source: © 2014 Munich Re, NatCatSERVICE; Property Claim Services (PCS®)*, a Verisk Analytics® business; National Flood Insurance Plan. As of January 2014.
Percent Change From Prior Year, Net Premiums Written And Policyholders' Surplus, P/C Insurance, 2015-2024 (1)
THE NATION'S HEALTHCARE DOLLAR: 2009 WHERE IT CAME FROM
(1) Includes co-payments, deductibles, and any amounts not covered by health insurance.
(2) Department of Veterans Affairs, Department of Defense and Children's Health Insurance Program.
Source: Centers for Medicare and Medicaid Services, Office of the Actuary, National Health Statistics Group.
Operating Results, Property/Casualty Insurance, 2015-2024 (1)
WHERE THE UNDERWRITING DOLLAR GOES, PROPERTY/CASUALTY INSURANCE, ALL LINES, 2011
Source: SNL Financial LC.
MOTOR VEHICLE DEATHS BY ACTIVITY OF PERSON KILLED, 2009
(1) Includes other non-occupants.
Source: U.S. Department of Transportation, National Highway Traffic Safety Administration.
NUMBER OF PAYEES, PENSION BENEFITS GUARANTY CORPORATION PAYMENTS, SINGLE-EMPLOYER PROGRAM, 1980-2010
(000)
(1) Deferred status refers to individuals eligible for future payments.
(2) Payees are retired participants or their beneficiaries receiving payments.
Source: Pension Benefit Guaranty Corporation.
GROSS DOMESTIC PRODUCT OF FINANCIAL SERVICES, SHARES BY COMPONENT, INCLUDING REAL ESTATE, 2009
Source: U.S. Department of Commerce, Bureau of Economic Analysis.
Nonadmitted Direct Premiums Written For The Top 10 U.S.- Based Surplus Lines Writers, 2012-2016 (1)
($ billions)
(1) Excludes premiums of Lloyd’s of London syndicates.
Source: Business Insurance (www.businessinsurance.com), September 2017.
GROSS DOMESTIC PRODUCT OF FINANCIAL SERVICES, SHARES BY COMPONENT, EXCLUDING REAL ESTATE, 2009
Source: U.S. Department of Commerce, Bureau of Economic Analysis.
Insurance Expenditures As A Percentage Of Total Household Spending, 2022
Note: Percentages do not add up to 100 percent due to rounding.
(1) Excludes insurance.
Source: U.S. Department of Labor, Bureau of Labor Statistics.
Percent Of Female Workers In The U.S. Workforce And Selected Insurance Occupations, 2024
Percent Change From Prior Year, Net Premiums Written, Private Passenger Auto Insurance, 2015-2024
Lightning Incidents By Month, 2007-2011
Source: National Fire Protection Association.
Total Auto Net Premiums Written By Sector, 2024
($ billions)
Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.
Lightning Fatalities By State, 2024
Source: U.S. Department of Commerce, National Oceanic and Atmospheric Administration, National Weather Service and National Lightning Safety Council.
Auto Share Of P/C Industry Net Premiums Written, 2024
($ billions)
Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.
FIRES STARTED BY LIGHTNING BY TYPE, 2004-2008 (1)
(1) Reported to local fire departments.
Source: National Fire Protection Association.
Homeowners Premiums As A Percent Of All P/C Premiums, 2015
Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.
FIRES STARTED BY LIGHTNING BY TYPE, 2002-2005 (1)
(1) Reported to local fire departments.
Source: National Fire Protection Association.
POPULATION GROWTH PROJECTIONS FOR HURRICANE EXPOSED STATES RANKED BY CHANGE IN POPULATION, 2000 TO 2030
(000)
Source: U.S. Department of Commerce, Census Bureau.
NUMBER OF TORNADOES AND RELATED DEATHS PER MONTH, 2010
Source: U.S. Department of Commerce, Storm Prediction Center, National Weather Service.
Driver Handheld Cellphone Use By Age, 2014-2023 (1)
(1) Percent of all drivers using handheld cellphones.
Source: U.S. Department of Transportation, National Highway Traffic Safety Administration.
BANK INDIVIDUAL LIFE INSURANCE SALES, 2006-2010 (1)
($ millions)
(1) Based on total new premium.
Source: Kehrer-LIMRA.
NO
($ U.S. dollars)
NET PREMIUMS WRITTEN OF PROPERTY/CASUALTY AND LIFE/HEALTH INSURANCE INDUSTRIES, 1999-2008
($ billions, excludes state funds)
(1) Includes deposit type funds beginning in 2001.
Source: National Association of Insurance Commissioners (NAIC) Annual Statement Database, via Highline Data, LLC. Copyrighted information. No portion of this work may be copied or redistributed without the express written permission of Highline Data, LLC.
CATASTROPHE BONDS, ANNUAL RISK CAPITAL ISSUED, 2001-2010
($ millions)
Source: GC Securities and Guy Carpenter & Company, LLC.
WHERE THE REVENUE DOLLAR GOES, 2009
(Premiums and investments)
CATASTROPHE BONDS, RISK CAPITAL OUTSTANDING, 2001-2010
($ millions)
Source: GC Securities and Guy Carpenter & Company, LLC.
WHERE THE REVENUE DOLLAR GOES, 2010
(Premiums and investments)
TYPES OF DIRECTORS AND OFFICERS LIABILITY CLAIMS, 2001-2010 (1)
(1) Based on participants in the survey that reported one or more claims over the 10-year period.
Source: 2010 Directors and Officers Liability Survey, Towers Watson.
Loss Distribution By Type Of Insurance From Sept. 11 Terrorist Attack (1)
($ 2024 billions)
(1) Adjusted to 2024 dollars by the Insurance Information Institute using the U.S. Department of Labor BLS Calculator.
(2) Loss total does not include March 2010 New York City settlement of up to $657.5 million to compensate approximately 10,000 Ground Zero workers or any subsequent settlements.
Source: Insurance Information Institute.
DIRECTORS AND OFFICERS LIABILITY CLAIMS BY TYPE OF CLAIMANT IN THE UNITED STATES, 2001-2010 (1)
(1) Based on participants in the survey that reported one or more claims over the 10-year period.
Source: 2010 Directors and Officers Liability Survey, Towers Watson.
HOW USE OF INSURANCE SCORES HAS AFFECTED COMPANIES' PERSONAL AUTO AND HOMEOWNERS INSURANCE (1)
(1) Based on data in the National Association of Independent Insurers, 2002 Survey on the Use of Credit Information in Personal Lines Insurance; NAII is one of the predecessor organizations to the Property Casualty Insurers of America.
Source: Property Casualty Insurers Association of America.
PERCENT OF PERSONAL INJURY JURY AWARDS OVER $1 MILLION, 2000-2009
Source: Jury Verdict Research.
SELECTED INSURANCE INDUSTRY FINANCIAL ASSETS, 2011
($ billions)
Source: Board of Governors of the Federal Reserve System, June 7, 2012.
DIRECTORS AND OFFICERS LIABILITY CLAIMS BY BUSINESS OWNERSHIP, 2001-2010 (1)
(1) Based on participants in the survey that reported one or more claims over the 10-year period.
Source: 2010 Directors and Officers Liability Survey, Towers Watson.
WORKERS COMPENSATION INDEMNITY COSTS PER CLAIM, 1999-2008 (1)
($000)
(1) 1999-2007: Based on data through 12/31/2007, developed to ultimate; based on the states where NCCI provides ratemaking services, including state funds. Excludes high deductible policies.
(2) Preliminary based on data valued as of 12/31/2008.
Source: NCCI Holdings, Inc.
FINANCIAL SERVICES EMPLOYMENT BY INDUSTRY, 2010
(000)
Source: U.S. Department of Labor, Bureau of Labor Statistics.
AVERAGE ASSET ALLOCATION FOR ALL 401(k) PLAN BALANCES, 2007 (1)
(1) Percentages are dollar weighted averages.
Source: Investment Company Institute.
NUMBER OF PAYEES, PENSION BENEFITS GUARANTY CORPORATION PAYMENTS, SINGLE-EMPLOYER PROGRAM, 1980-2009
(000)
(1) Deferred status refers to individuals eligible for future payments.
(2) Payees are retired participants or their beneficiaries receiving payments.
Source: Pension Benefit Guaranty Corporation.
401(k) PLAN PARTICIPANTS BY AGE, 2007 (1)
(1) Does not add to total due to rounding.
Source: Investment Company Institute.
THE NATION'S HEALTHCARE DOLLAR: 2007 WHERE IT COMES FROM
(1) State Children's Health Insurance Program.
(2) Includes programs such as workers compensation, public health activity, Department of Defense, Department of Veterans Affairs, Indian Health Service, state and local hospital subsidies and school health.
(3) Includes industrial in-plant, privately funded construction and nonpatient revenues, including philanthropy.
Source: Centers for Medicare and Medicaid Services, Office of the Actuary.
MUTUAL FUND INDUSTRY NET ASSETS BY TYPE OF FUND, 2010
Source: Investment Company Institute.
U.S. HOUSEHOLD OWNERSHIP OF MUTUAL FUNDS, 1980-2008
(Percent of all U.S. households)
Source: Investment Company Institute, U.S. Bureau of the Census.
U.S. RETIREMENT ASSETS, 2006 AND 2010
($ trillions, year-end)
Source: Investment Company Institute.
U.S. RETIREMENT ASSETS, 2006 AND 2010
($ trillions, year-end)
Source: Investment Company Institute.
NATIONAL HEALTHCARE EXPENDITURES, AVERAGE ANNUAL PERCENT GROWTH FROM PRIOR YEAR, 1993-2018
(1) Average annual growth from 1970 through 1993; 1993 marked the beginning of the shift to managed care.
(2) Projected.
Source: Centers for Medicare and Medicaid Services, Office of the Actuary.
U.S. RETIREMENT ASSETS, BY TYPE, 2001-2010
($ trillions, end of year)
(1) Data for 2003, 2005, 2008, 2009 and 2010 are estimates. Data for 2006 and 2007 are preliminary.
Source: Investment Company Institute.
FINANCIAL SERVICES EMPLOYMENT BY INDUSTRY, 2008
(000)
Source: U.S. Department of Labor, Bureau of Labor Statistics.
AVERAGE ASSET ALLOCATION FOR ALL 401(K) PLAN BALANCES, 2009 (1)
(1) Percentages are dollar-weighted averages.
Source: Investment Company Institute.
FINANCIAL SERVICES EMPLOYMENT BY INDUSTRY, 2008
(000)
Source: U.S. Department of Labor, Bureau of Labor Statistics.
DEFINED CONTRIBUTION PLAN ASSETS BY TYPE OF PLAN, 2001-2010
($ billions, end of year)
(1) Includes Keoghs and other defined contribution plans, such as profit-sharing plans, without 401(k) features.
(2) Estimated.
Source: Investment Company Institute.
World Natural Catastrophes, 2019
Source: © 2020 Munich Re, Geo Risks Research, NatCatSERVICE. As of January 2020.
INDIVIDUAL ANNUITY SALES BY PRODUCT TYPE, 2010
($ billions)
(1) Single premium contracts bought by property/casualty insurers to distribute awards in personal injury or wrongful death lawsuits over a period of time, rather than as lump sums.
Source: LIMRA International.
NUMBER OF TORNADOES AND RELATED DEATHS PER MONTH, 2008
Source: U.S. Department of Commerce, Storm Prediction Center, National Weather Service.
IDENTITY THEFT AND FRAUD COMPLAINTS, 2006-2008 (1)
(1) Percentages are based on the total number of Consumer Sentinel Network complaints by calendar year. These figures exclude "Do Not Call" registry complaints.
Source: Federal Trade Commission.
AVERAGE PREMIUM FOR HOME INSURANCE POLICIES (1)
(1) Excludes state-run insurers.
(2) Insurance Information Institute Estimates/Forecasts.
Source: NAIC, Insurance Information Institute estimates 2008-2010 based on CPI data.
U.S. HOUSEHOLD OWNERSHIP OF MUTUAL FUNDS, 1980-2010
(Percent of all U.S. households)
Source: Investment Company Institute, U.S. Bureau of the Census.
SIGNIFICANT VOLCANIC ERUPTIONS
(Deadliest and costliest events)
Source: © Munich Re, Geo Risks Research, NatCatSERVICE. As of August 2014.
U.S. RETIREMENT ASSETS, BY TYPE, 1999-2008
($ trillions, end of year)
(1) Data for 2003, 2005, 2006, 2007 and 2008 are estimates.
Source: Investment Company Institute.
MUTUAL FUND RETIREMENT ASSETS BY TYPE OF PLAN, 2010 (1)
($ billions, end of year)
(1) Preliminary data. Does not include defined benefit plans.
Source: Investment Company Institute.
U.S. Retirement Assets, 2016 And 2020
($ trillions, year-end)
(1) Estimated.
Source: Investment Company Institute. 2021. 2021 Investment Company Fact Book: A Review of Trends and Activities in the U.S. Investment Company Industry. Washington, D.C. Investment Company Institute. www.icifactbook.org.
MEDIAN (1) AND AVERAGE PERSONAL INJURY JURY AWARDS, 2001 AND 2007
($000)
(1) Represents the midpoint jury award. Half of awards are above the median and half are below.
Source: Reprinted with permission from Current Award Trends in Personal Injury. Copyright 2009 by LRP Publications, 747 Dresher Road, P.O. Box 980, Horsham, PA 19044-0980. All rights reserved.
IDENTITY THEFT AND FRAUD COMPLAINTS, 2008-2010 (1)
(1) Percentages are based on the total number of Consumer Sentinel Network complaints by calendar year. These figures exclude "Do Not Call" registry complaints.
Source: Federal Trade Commission.
Catastrophe Bonds, Annual Risk Capital Issued, 1999-2008
($ millions)
Source: Guy Carpenter: GC Securities.
Catastrophe Bonds, Risk Capital Outstanding, 2004-2008
CATASTROPHE BONDS, RISK CAPITAL OUTSTANDING, 2004-2008
($ millions)
Source: Guy Carpenter: GC Securities.
NUMBER OF AND DOLLARS INVESTED IN 529 PLAN ACCOUNTS, 2006-2010 (1)
(1) Data prior to 2009 not strictly comparable to earlier data.
Source: National Association of State Treasurers.
SALES OF INDIVIDUAL ANNUITIES BY DISTRIBUTION CHANNEL, 2004 AND 2008
Source: LIMRA International.
ASSETS OF FDIC-INSURED COMMERCIAL BANKS, 2010
Source: Federal Deposit Insurance Corporation.
TOP 10 HOMEOWNERS CONTENTS CLAIMS, 2011 (1)
(Based on dollar value)
(1) Based on a survey by claims aggregator, Enservio, of the replacement cost value of homeowners insurance property content claims. Includes items that are damaged, lost or stolen.
Source: Enservio.
ASSET-BACKED SECURITY SOURCES, 2004 AND 2008
(1) Securities of federal mortgage pools backing privately issued collateralized mortgage obligations (CMOs). In CMOs, mortgage principal and interest payments are separated into different payment streams to create bonds that repay capital over differing periods of time.
(2) Mortgages backing privately issued pool securities and CMOs.
(3) Treasury securities accounted for less than 1 percent in 2004.
Source: Board of Governors of the Federal Reserve System, June 11, 2009.
TWELVE-MONTH LOAN GROWTH RATES AT FDIC-INSURED BANKS, 2001-2010
(Percent)
Source: Federal Deposit Insurance Corporation.
ASSETS OF FINANCIAL SERVICES SECTORS, 2008
($ billions)
Source: Board of Governors of the Federal Reserve System.
REVERSE MORTGAGES: ANNUAL ORIGINATION VOLUME FOR HOME EQUITY CONVERSION MORTGAGES (HECMs), FISCAL YEAR 2007-2011 (1)
(1) HECMs are federally insured reverse mortgage products.
(2) Through July 2010; fiscal year ends September 30.
Source: National Reverse Mortgage Lenders Association.
ASSETS OF FINANCIAL SERVICES SECTORS
Source: Board of Governors of the Federal Reserve System, June 11, 2009.
PREFERRED BANKING METHOD, ALL AGE GROUPS, 2010 (1)
(1) Estimated.
Source: American Bankers Association.
HOLDINGS OF U.S. CORPORATE EQUITIES, 2008 (1)
(1) Market value, end of year; excludes open-end mutual fund shares.
(2) Holdings of U.S. issues by foreign residents.
Source: Board of Governors of the Federal Reserve System, June 11, 2009.
HOMEOWNERS LOSSES RANKED BY CLAIMS SEVERITY (AVERAGE CLAIM), 2005-2009 (1)
(Weighted average, 2005-2009)
(1) For homeowners multiple peril policies. Excludes tenants and condominium owners policies. Accident year incurred losses, excluding loss adjustment expenses, i.e., indemnity costs per accident year incurred claims.
(2) Includes coverage for unauthorized use of various cards, forgery, counterfeit money and losses not otherwise classified.
(3) Includes vandalism and malicious mischief.
Source: ISO, a Verisk Analytics company.
DEBT GROWTH BY SELECTED SECTOR, 1999-2008
(Percent change from prior year)
Source: Board of Governors of the Federal Reserve System, June 11, 2009.
HOMEOWNERS LOSSES RANKED BY CLAIMS FREQUENCY, 2005-2009 (1)
(Weighted average, 2005-2009)
(1) Claims per 100 house years (policies). For homeowners multiple peril policies. Excludes tenants and condominium owners policies.
(2) Includes vandalism and malicious mischief.
(3) Includes coverage for unauthorized use of various cards, forgery, counterfeit money and losses not otherwise classified.
Source: ISO, a Verisk Analytics company.
ASSETS OF PRIVATE PENSION FUNDS, 1945-2008
($ billions, end of year)
Source: Board of Governors of the Federal Reserve System, June 11, 2009.
NATIONAL HEALTH EXPENDITURES, AVERAGE ANNUAL PERCENT GROWTH FROM PRIOR YEAR, 1993-2020
(1) Average annual growth from 1970 through 1993; marks the beginning of the shift to managed care.
(2) Projected.
Source: Centers for Medicare and Medicaid Services, Office of the Actuary.
IRA MARKET SHARES BY HOLDER, 2004 AND 2008
Source: Board of Governors of the Federal Reserve System, June 11, 2009.
HOLDINGS OF U.S. CORPORATE EQUITIES, 2010 (1)
(1) Market value, end of year; excludes open-end mutual fund shares.
(2) Holdings of U.S. issues by foreign residents.
Source: Board of Governors of the Federal Reserve System, June 9, 2011.
401(k) PLAN PARTICIPANTS BY AGE, 2007 (1)
(1) Does not add to total due to rounding.
Source: Investment Company Institute.
DEBT GROWTH BY SELECTED SECTOR, 2001-2010 (1)
(1) Percent change from prior year on an end-of-year basis.
Source: Board of Governors of the Federal Reserve System, June 9, 2011.
AVERAGE ASSET ALLOCATION FOR ALL 401(k) PLAN BALANCES, 2007 (1)
(1) Percentages are dollar weighted averages.
Source: Investment Company Institute.
IRA MARKET SHARES BY HOLDER, 2006 AND 2010
Source: Board of Governors of the Federal Reserve System, June 9, 2011.
ANNUITY SALES BY PRODUCT TYPE, 2008
($ billions)
(1) Single premium contracts bought by P/C insurers to distribute awards in personal injury or wrongful death lawsuits over a period of time, rather than as lump sums.
Source: LIMRA International.
FINANCIAL ASSETS OF PRIVATE DEPOSITORY INSTITUTIONS, 2011
(End of year)
(1) Includes savings banks and commercial banks.
(2) Puerto Rico, the U.S. Virgin Islands, American Samoa, Guam and other U.S.-affiliated insular areas.
Source: Board of Governors of the Federal Reserve System, June 7, 2012.
MUTUAL FUND RETIREMENT ASSETS BY TYPE OF PLAN, 2008 (1)
($ billions)
(1) Preliminary data.
Source: Investment Company Institute.
RETIREMENT FUNDS ASSET MIX, 2010
Source: Securities Industry and Financial Markets Association.
ASSETS OF FDIC-INSURED COMMERCIAL BANKS, 2008
Source: Federal Deposit Insurance Corporation.
ASSET-BACKED SECURITY SOURCES, 2006 AND 2010
(1) Mortgages backing privately issued pool securities and CMOs.
(2) Securities of federal mortgage pools backing privately issued collateralized mortgage obligations (CMOs). In CMOs, mortgage principal and interest payments are separated into different payment streams to create bonds that repay capital over differing periods of time.
Source: Board of Governors of the Federal Reserve System, June 9, 2011.
MUTUAL FUND INDUSTRY NET ASSETS BY TYPE OF FUND, 2008
Source: Investment Company Institute.
ASSETS OF FINANCIAL SERVICES SECTORS, 2010
($ billions)
Source: Board of Governors of the Federal Reserve System.
ASSETS OF FINANCIAL SERVICES SECTORS
Source: Board of Governors of the Federal Reserve System, June 9, 2011.
WORLD NATURAL CATASTROPHE LOSSES, FIRST QUARTER 2010
Source: © Munich Re, Geo Risks Research, NatCatSERVICE. As of March 29, 2010.
GROSS NATIONAL SAVINGS, 1940-2010
($ billions)
(1) Includes individuals (including proprietors and partnerships), nonprofit institutions primarily serving individuals, life insurance carriers and miscellaneous entities.
Source: U.S. Department of Commerce, Bureau of Economic Analysis.
PERCENT CHANGE FROM PRIOR YEAR, NET PREMIUMS WRITTEN, P/C INSURANCE, 1975-2008 (1)
(1) Excludes state funds.
Source: ISO.
CYBER CRIME COMPLAINTS, 2006-2010 (1)
(1) Based on complaints submitted to the Internet Crime Complaint Center.
Source: Internet Crime Complaint Center.
INFLATION-ADJUSTED U.S. CATASTROPHE LOSSES BY CAUSE OF LOSS, 1989-2008 (1)
(1) Catastrophes are all events causing direct insured losses to property of $25 million or more in 2008 dollars. Adjusted for inflation by ISO.
(2) Excludes snow.
(3) Does not include flood damage covered by the federally administered National Flood Insurance Program.
(4) Includes civil disorders, water damage, fires other than wildlfires and utility service disruptions.
Source: ISO's Property Claim Services unit (PCS).
HOMEOWNERSHIP RATES, 1900-2010
Source: 1900-1950: U.S. Census Bureau, Census of Housing. 1960-present: U.S. Census Bureau, Housing Vacancy Survey.
PROPERTY/CASUALTY INDUSTRY COMBINED RATIO, 1975-2008 (1)
(1) Excluding state funds and residual markets.
Source: ISO.
STUDENTS WITH CREDIT CARDS, BY RACE/ETHNICITY, FAMILY INCOME AND GRADE LEVEL, 2010
Source: Sallie Mae.
PREMIUMS BY TYPE OF INSURER, 2008 (1)
(1) Gross direct premiums. Total premiums for 2008 were $1,626 billion.
(2) Blue Cross/Blue Shield, HMOs and hospital, medical and dental indemnity.
Source: National Association of Insurance Commissioners. Reprinted with permission. Further reprint or redistribution strictly prohibited without written permission of NAIC.
WORLD NATURAL CATASTROPHE LOSSES, 2011
Source: © 2012 Munich Re, Geo Risks Research, NatCatSERVICE. As of January 2012.
GROSS DOMESTIC PRODUCT OF FINANCIAL SERVICES, SHARES BY COMPONENT, INCLUDING REAL ESTATE, 2007
Source: U.S. Department of Commerce, Bureau of Economic Analysis.
NATURAL CATASTROPHES IN THE UNITED STATES
(1980 – 2011)
Source: © 2012 Münchener Rückversicherungs-Gesellschaft, Geo Risks Research, NatCatSERVICE. As of January 2012.
GROSS DOMESTIC PRODUCT OF FINANCIAL SERVICES, SHARES BY COMPONENT, EXCLUDING REAL ESTATE, 2007
Source: U.S. Department of Commerce, Bureau of Economic Analysis.
WORLD NATURAL CATASTROPHES, FIRST HALF 2012
(Overview and comparison with previous years)
Source: © 2012 Munich Re, Geo Risks Research, NatCatSERVICE. As of July 2012.
CASH OUT HOME MORTGAGE REFINANCING, 1999-2008 (1)
($ billions)
(1) Represents homeowners' cash withdrawals from home mortgage refinance transactions. Includes prime conventional loans only and is net of retirement of outstanding second mortgages.
(2) Estimated.
Source: Freddie Mac.
Number Of World Natural Catastrophes, 1980-2018
(Number of relevant events by peril)
Source: © 2019 Munich Re, Geo Risks Research, NatCatSERVICE. As of March 2019.
GROSS NATIONAL SAVINGS, 1940-2008
($ billions)
(1) Includes individuals; nonprofit institutions primarily serving individuals; private noninsured welfare funds; and private trust funds.
Source: U.S. Department of Commerce, Bureau of Economic Analysis.
World Natural Catastrophes By Overall And Insured Losses, 1980–2018
Source: © 2019 Munich Re, Geo Risks Research, NatCatSERVICE. As of March 2019.
INDIVIDUAL IMMEDIATE ANNUITY SALES, 2004-2008
($ billions)
Source: LIMRA International, The 2008 Individual Annuity Market - Sales and Assets Report.
WORLD NATURAL CATASTROPHES, 2012
(The five costliest natural catastrophes for the insurance industry)
Source: © 2013 Munich Re, Geo Risks Research, NatCatSERVICE. As of January 2013.
Top Five World Costliest Natural Catastrophes By Overall Losses, 2020
Source: © 2021 Munich Re, Geo Risks Research, NatCatSERVICE. As of January 2021.
TWELVE-MONTH LOAN GROWTH RATES AT FDIC-INSURED BANKS, 2002-2011
(Percent, end of year)
Source: Federal Deposit Insurance Corporation.
NATURAL CATASTROPHES IN THE UNITED STATES
(1980 – 2011)
Source: © 2012 Münchener Rückversicherungs-Gesellschaft, Geo Risks Research, NatCatSERVICE. As of January 2012.
BANK SALES OF RETAIL MUTUAL FUNDS, 2003-2007 (1)
($ billions)
(1) Estimated.
Source: Kehrer-LIMRA.
NATURAL DISASTER LOSSES IN THE UNITED STATES, 2011
Source: © 2012 Munich Re. NatCatSERVICE.
WORLD LIFE AND NONLIFE INSURANCE PREMIUMS, 2008
Source: Swiss Re, sigma, No. 3/2009.
NATURAL DISASTERS IN THE UNITED STATES, 1980ââ¬"2011
(Number of events, Annual totals 1980–2010 vs. first six months 2011)
Source: © 2012 Munich Re. NatCatSERVICE.
GROWTH IN U.S. PREMIUMS, PROPERTY/CASUALTY AND LIFE/HEALTH INSURANCE, 1999-2008
(Percent change from prior year)
(1) Net premiums written, excluding state funds.
(2) Premiums and annuity considerations for life/health insurance companies. Includes deposit-type funds beginning in 2001.
Source: National Association of Insurance Commissioners (NAIC) Annual Statement Database, via Highline Data, LLC. Copyrighted information. No portion of this work may be copied or redistributed without the express written permission of Highline Data, LLC.
NUMBER OF U.S. LANDFALLING TROPICAL CYCLONES, 1900-2013
Source: © 2014 Munich Re, NatCatSERVICE; NOAA. As of January 2014.
U.S. P/C AND L/H INSURANCE PREMIUMS, 2008
($ billions)
Source: National Association of Insurance Commissioners (NAIC) Annual Statement Database, via Highline Data, LLC. Copyrighted information. No portion of this work may be copied or redistributed without the express written permission of Highline Data, LLC.
INSURED U.S. TROPICAL CYCLONE LOSSES, 1980 - 2011
Source: © 2012 Munich Re, The Property Claim Services (PCS) unit of ISO, NatCatSERVICE, National Flood Insurance Plan.
U.S. PROPERTY/CASUALTY AND LIFE/HEALTH INSURANCE PREMIUMS, 2008 (1)
(1) Excluding state funds.
Source: National Association of Insurance Commissioners (NAIC) Annual Statement Database, via Highline Data, LLC. Copyrighted information. No portion of this work may be copied or redistributed without the express written permission of Highline Data, LLC.
Annual Number of Acres Burned in Wildland Fires, 1980-2023
*2004 fires and acres do not include state lands for North Carolina.
Source: National Interagency Fire Center.
NUMBER OF ANNOUNCED FINANCIAL SERVICES MERGERS AND ACQUISITIONS, 2004-2008
Source: SNL Financial LC.
U.S. INSURED CATASTROPHE LOSSES, 1989-2015 (1)
($ billions, 2014 dollars)
(1) Does not include National Flood Insurance Program losses.
*Through 6/30/15 in 2015 dollars.
Note: 2001 figure includes $20.3B for 9/11 losses reported through 12/31/01 ($25.9B 2011 dollars). Includes only business and personal property claims, business interruption and auto claims. Non-prop/BI losses = $12.2B ($15.6B in 2011 dollars.)
Source: Property Claim Services (PCS®), a Verisk Analytics® business; AonBenfield; Insurance Information Institute. As of June 2015.
MARKET SHARE TRENDS BY SIZE OF INSURER, 1988-2008 (1)
(1) Based on net premiums written, excluding state funds.
Source: ISO.
U.S. PROPERTY/CASUALTY AND LIFE/HEALTH INSURANCE PREMIUMS, 2010 (1)
(1) Property/casualty: net premiums written, excluding state funds; Life/health: premiums, annuity considerations (fees for annuity contracts) and deposit-type funds.
Source: SNL Financial LC.
WORKSITE LIFE INSURANCE SALES BY LINE OF BUSINESS, 2008
(1) Short-term and long-term disability.
Source: Eastbridge Consultants.
U.S. INDIVIDUAL LIFE MARKET SHARE BY DISTRIBUTION CHANNEL, 1999-2008
(Based on first year collected premium)
(1) Includes career, multiline exclusive and home service agents.
(2) Includes brokers and personal producing general agents.
(3) No producers are involved. Does not include direct marketing efforts involving agents.
(4) Includes stockbrokers, financial institutions, worksite and other channels.
(5) Estimate.
Source: LIMRA’s Market Share by Distribution Channel Survey, LIMRA estimates.
GROWTH IN U.S. PREMIUMS, PROPERTY/CASUALTY AND LIFE/HEALTH INSURANCE, 2001-2010
(Percent change from prior year)
(1) Net premiums written, excluding state funds.
(2) Premiums and annuity considerations (fees for annuity contracts) for life/health insurance companies. Includes deposit-type funds beginning in 2001.
Source: SNL Financial LC.
PREMIUMS WRITTEN BY LINE, PROPERTY/CASUALTY INSURANCE, 2008
($ billions)
(1) After reinsurance transactions, excluding state funds.
(2) Before reinsurance transactions, excluding state funds. May not match total premiums shown elsewhere in this book because of the use of different exhibits from Highline Data LLC.
(3) Includes international and miscellaneous coverages.
(4) Premiums from certain insurers that write health insurance but file financial statements with state regulators on a property/casualty rather than life/health basis.
(5) Only includes nonproportional reinsurance, an arrangement in which a reinsurer makes payments to an insurer whose losses exceed a predetermined amount.
(6) Coverages protecting against legal liability resulting from negligence, carelessness, or failure to act.
Source: National Association of Insurance Commissioners (NAIC) Annual Statement Database, via Highline Data, LLC. Copyrighted information. No portion of this work may be copied or redistributed without the express written permission of Highline Data, LLC.
PREMIUMS WRITTEN BY LINE, PROPERTY/CASUALTY INSURANCE, 2010
($ billions)
(1) After reinsurance transactions, excluding state funds.
(2) Before reinsurance transactions; includes some state funds.
(3) Includes international and miscellaneous coverages.
(4) Premiums from certain insurers that write health insurance but file financial statements with state regulators on a property/casualty rather than life/health basis.
(5) Only includes nonproportional reinsurance, an arrangement in which a reinsurer makes payments to an insurer whose losses exceed a predetermined amount.
(6) Coverages protecting against legal liability resulting from negligence, carelessness, or failure to act.
Source: SNL Financial LC.
REVERSE MORTGAGES: ANNUAL ORIGINATION VOLUME FOR HOME EQUITY CONVERSION MORTGAGES (HECMs), FISCAL YEAR 2005-2009 (1)
(1) HECMs are federally insured reverse mortgage products.
(2) Through July 2009; fiscal year ends September 30.
Source: National Reverse Mortgage Lenders Association.
HOME OWNERSHIP RATES BY HOUSEHOLD INCOME, 2007
(Percent)
Source: U.S. Department of Commerce, Census Bureau; U.S. Department of Housing and Urban Development, Office of Policy Development and Research.
BANK SALES OF RETAIL MUTUAL FUNDS, 2006-2010 (1)
($ billions)
(1) Estimated.
Source: BISRA (formerly Kehrer-LIMRA).
HOME OWNERSHIP RATES BY HOUSEHOLD INCOME, 2007
(Percent)
Source: U.S. Department of Commerce, Census Bureau; U.S. Department of Housing and Urban Development, Office of Policy Development and Research.
NUMBER OF ANNOUNCED FINANCIAL SERVICES MERGERS AND ACQUISITIONS, 2006-2010
Source: SNL Financial LC.
HOMEOWNERSHIP RATES, 1900-2008
Source: U.S. Department of Commerce, Census Bureau, Census of Housing.
LIFE INDIVIDUAL MARKET SHARE BY DISTRIBUTION CHANNEL, 2001-2010
(Based on first year collected premium)
(1) Includes career, multiline exclusive and home service agents.
(2) Includes brokers and personal producing general agents.
(3) No producers are involved. Does not include direct marketing efforts involving agents.
(4) Includes stockbrokers, financial institutions, worksite and other channels.
(5) Estimate.
Source: LIMRA’s U.S. Individual Life Insurance Sales Survey and LIMRA estimates.
NET PREMIUMS WRITTEN, PERSONAL AND COMMERCIAL LINES, 2008
Source: National Association of Insurance Commissioners (NAIC) Annual Statement Database, via Highline Data, LLC. Copyrighted information. No portion of this work may be copied or redistributed without the express written permission of Highline Data, LLC.
WORKSITE LIFE INSURANCE SALES BY LINE OF BUSINESS, 2010
(1) Short-term and long-term disability.
Source: Eastbridge Consulting Group, Inc.
IT SPENDING OF THE GLOBAL FINANCIAL SERVICES INDUSTRY, 2006-2010 (1)
($ billions)
(1) Data for 2009 and 2010 are estimated.
Source: Celent.
PREFERRED BANKING METHOD, ALL AGE GROUPS, 2012 (1)
(1) Based on an August 2012 survey of 1,000 Americans age 18 and over.
Source: American Bankers Association.
AUTO SHARE OF P/C INDUSTRY, 2010
($ billions, net premiums written)
Source: SNL Financial LC.
PERCENT CHANGE FROM PRIOR YEAR, NET PREMIUMS WRITTEN, PRIVATE PASSENGER AUTO, 1999-2008
Source: National Association of Insurance Commissioners (NAIC) Annual Statement Database, via Highline Data, LLC. Copyrighted information. No portion of this work may be copied or redistributed without the express written permission of Highline Data, LLC.
PERCENT CHANGE FROM PRIOR YEAR, NET PREMIUMS WRITTEN, PRIVATE PASSENGER AUTO INSURANCE, 2001-2010
Source: SNL Financial LC.
AUTO SHARE OF P/C INDUSTRY, 2008
($ billions, net premiums written)
Source: National Association of Insurance Commissioners (NAIC) Annual Statement Database, via Highline Data, LLC. Copyrighted information. No portion of this work may be copied or redistributed without the express written permission of Highline Data, LLC.
HOMEOWNERS PREMIUMS AS A PERCENT OF ALL P/C PREMIUMS, 2008
Source: National Association of Insurance Commissioners (NAIC) Annual Statement Database, via Highline Data, LLC. Copyrighted information. No portion of this work may be copied or redistributed without the express written permission of Highline Data, LLC.
SALES OF INDIVIDUAL ANNUITIES BY DISTRIBUTION CHANNELS, 2006 AND 2010 (1)
(1) Preliminary.
Source: LIMRA International.
PERCENT CHANGE FROM PRIOR YEAR, NET PREMIUMS WRITTEN, P/C INSURANCE, 1975-2010 (1)
(1) Excludes state funds.
Source: ISO, a Verisk Analytics company.
SEPTEMBER 11 INDUSTRY LOSS ESTIMATES (1)
(1) Loss total does not include NYC March 2010 settlement of up to $657.5 million to compensate about 10,000 Ground Zero workers.
(2) Sum of segment totals may not equal overall total due to rounding. Adjusted to 2009 dollars using Bureau of Labor Statistics (BLS) inflation calculator.
Source: Insurance Information Institute.
PROPERTY/CASUALTY INSURANCE COMBINED RATIO, 1975-2010 (1)
(1) Excluding state funds and residual markets.
Source: ISO, a Verisk Analytics company.
WHERE THE UNDERWRITING DOLLAR GOES, PROPERTY/CASUALTY INSURANCE, ALL LINES, 2008
Source: National Association of Insurance Commissioners (NAIC) Annual Statement Database, via Highline Data, LLC. Copyrighted information. No portion of this work may be copied or redistributed without the express written permission of Highline Data, LLC.
PERCENT OF HOME MORTGAGES INSURED BY THE FHA, 2002-2011 (1)
(1) 1 to 4 family mortgages. Excludes refinance mortgages.
Source: Federal Housing Administration (FHA).
INVESTMENTS, LIFE/HEALTH INSURERS, BOND PORTFOLIO, 2004 AND 2008
Source: National Association of Insurance Commissioners (NAIC) Annual Statement Database, via Highline Data, LLC. Copyrighted information. No portion of this work may be copied or redistributed without the express written permission of Highline Data, LLC.
WORKERS COMPENSATION MEDICAL COSTS, 2001-2010
(1) Based on states where the National Council on Compensation Insurance provides ratemaking services. Represents costs for injuries that resulted in time off from work. Data for 2010 are preliminary.
Source: U.S. Bureau of Labor Statistics; National Council on Compensation Insurance.
MOTOR VEHICLE DEATHS BY ACTIVITY OF PERSON KILLED, 2008
(1) Includes other non-occupants.
Source: U.S. Department of Transportation, National Highway Traffic Safety Administration.
GSE SHARE OF RESIDENTIAL MORTGAGE DEBT, 1990-2010 (1)
(1) Includes Fannie Mae and Freddie Mac. GSEs are government-sponsored enterprises.
Source: Federal Housing Finance Agency.
DRIVER HAND-HELD CELLPHONE USE BY AGE, 2002-2008 (1)
(1) Percent of drivers using hand-held cellphones.
Source: U.S. Department of Transportation, National Highway Traffic Safety Administration.
LOSS DISTRIBUTION BY TYPE OF INSURANCE FROM SEPTEMBER 11 TERRORIST ATTACK (1)
($ 2010 billions)
(1) Adjusted to 2010 dollars by the Insurance Information Institute using the U.S. Department of Labor BLS Calculator.
Source: Insurance Information Institute.
INVESTMENTS, PROPERTY/CASUALTY INSURERS, 2008
(1) Cash and invested assets, as of December 31, 2008.
(2) Long-term bonds with maturity dates over one year.
Source: National Association of Insurance Commissioners (NAIC) Annual Statement Database, via Highline Data, LLC.. Copyrighted information. No portion of this work may be copied or redistributed without the express written permission of Highline Data, LLC.
USAGE OF DIFFERENT MEANS OF ACCESSING BANKING SERVICES, 2011-2012 (1)
(1) Online survey conducted December 2011 - January 2012.
Source: Board of Governors of the Federal Reserve.
PERCENT CHANGE FROM PRIOR YEAR, NET PREMIUMS WRITTEN AND POLICYHOLDERS' SURPLUS, P/C INSURANCE, 1999-2008 (1)
(1) After reinsurance transactions, excluding state funds.
Source: National Association of Insurance Commissioners (NAIC) Annual Statement Database, via Highline Data, LLC. Copyrighted information. No portion of this work may be copied or redistributed without the express written permission of Highline Data, LLC.
WORKERS COMPENSATION MEDICAL COSTS, 1999-2008
(1) Based on states where the National Council on Compensation Insurance provides ratemaking services. Represents costs for injuries that resulted in time off from work. Data for 2008 are preliminary.
Source: U.S. Bureau of Labor Statistics; National Council on Compensation Insurance.
HOMEOWNERSHIP RATES BY REGION, 2006 AND 2011
Source: U.S. Department of Commerce, Census Bureau.
WORLD NATURAL CATASTROPHE LOSSES, FIRST HALF 2010
Source: © Munich Re, Geo Risks Research, NatCatSERVICE. As of June 16, 2010.
INSURANCE BUSINESS IN THE U.S. WRITTEN BY SUBSIDIARIES OF FOREIGN CONTROLLED COMPANIES, 2009
($ billions)
Source: Organization for Economic Cooperation and Development.
NUMBER OF FINANCIAL INDUSTRY REGULATORY AUTHORITY (FINRA) REPORTING FIRMS, 2002-2011
Source: FINRA; Securities Industry and Financial Markets Association.
INVESTMENTS, LIFE/HEALTH INSURERS, BOND PORTFOLIO, 2010 (1)
(1) Long-term bonds with maturity dates over one year, as of December 31, 2010.
Source: SNL Financial LC.
NUMBER OF FINANCIAL INDUSTRY REGULATORY AUTHORITY (FINRA) REGISTERED REPRESENTATIVES, 2002-2011
(000)
Source: FINRA; Securities Industry and Financial Markets Association.
INFLATION ADJUSTED U.S. CATASTROPHE LOSSES BY CAUSE OF LOSS, 1991-2010 (1)
(2010 $ billions)
(1) Adjusted for inflation by ISO using the GDP implicit price deflator. Excludes catastrophes causing direct insured losses less than $25 million in 1997 dollars.
(2) Excludes snow.
(3) Does not include flood damage covered by the federally administered National Flood Insurance Program.
(4) Includes wildland fires.
(5) Includes civil disorders, water damage, and non-property losses such as those covered by workers compensation.
Source: The Property Claim Services (PCS) unit of ISO, a Verisk Analytics company.
EQUITY CAPITAL OF NYSE-REPORTING FIRMS, 2002-2011
($ billions)
Source: NYSE Euronext; Securities Industry and Financial Markets Association.
TOP THREE STATES BY INFLATION ADJUSTED CATASTROPHE LOSSES, 1980-2010 (1)
(2010 $ billions)
(1) Adjusted for inflation by ISO using the GDP implicit price deflator. Percentages do not sum to 100 because of rounding.
Source: The Property Claim Services (PCS) unit of ISO, a Verisk Analytics company.
SECURITIES INDUSTRY PRETAX RETURN ON EQUITY, 1999-2008 (1)
(Percent)
(1) New York Stock Exchange reporting firms doing public business.
Source: Securities Industry and Financial Markets Association.
OPERATING RESULTS, PROPERTY/ CASUALTY INSURANCE, 2001-2010 (1)
($ billions)
(1) Excludes state funds.
(2) Net underwriting gain/loss plus net investment income.
Source: SNL Financial LC.
SECURITIES INDUSTRY PRETAX PROFIT/LOSS, 1999-2008 (1)
($ billions)
(1) New York Stock Exchange reporting firms doing public business.
Source: Securities Industry and Financial Markets Association.
WHERE THE UNDERWRITING DOLLAR GOES, PROPERTY/CASUALTY INSURANCE, ALL LINES, 2010
Source: SNL Financial LC.
SECURITIES INDUSTRY CONCENTRATION BY TOTAL REVENUE, 1998, 2003 AND 2008 (1)
(Percent)
(1) New York Stock Exchange reporting firms doing public business.
Source: Securities Industry and Financial Markets Association.
PERCENT CHANGE FROM PRIOR YEAR, NET PREMIUMS WRITTEN AND POLICYHOLDERS' SURPLUS, P/C INSURANCE, 2001-2010 (1)
(1) After reinsurance transactions, excluding state funds.
Source: SNL Financial LC.
LIFE/HEALTH INSURANCE INDUSTRY NET INCOME, 2002-2011
($ billions)
Source: SNL Financial LC.
INVESTMENTS, PROPERTY/CASUALTY INSURERS, 2010
(1) Cash and invested net admitted assets, as of December 31, 2010.
(2) Long-term bonds with maturity dates over one year.
Source: SNL Financial LC.
TOTAL GROSS SURPLUS LINES PREMIUMS WRITTEN, 2004-2008
($ billions)
Source: 2006 to 2008 premiums from Business Insurance, October 5, 2009; earlier premiums from other issues.
COMPONENTS OF UNDERWRITING, PRIVATE PASSENGER AUTO INSURANCE, 2010 (1)
(1) As a percent of net premiums earned.
(2) Taxes, licenses, fees, acquisitions, field supervision, collection and general expenses.
Source: SNL Financial LC.
RETIREMENT FUNDS ASSET MIX, 2008
Source: Securities Industry and Financial Markets Association.
COMPONENTS OF UNDERWRITING, HOMEOWNERS MULTIPLE PERIL INSURANCE, 2010 (1)
(1) As a percent of net premiums earned.
(2) Taxes, licenses, fees, acquisitions, field supervision, collection and general expenses.
Source: SNL Financial LC.
NUMBER OF PAYEES, PBGC, SINGLE-EMPLOYER PROGRAM, 1980-2008
(000)
(1) Deferred status refers to individuals eligible for future payments.
(2) Payees are retired participants or their beneficiaries receiving payments.
Source: Pension Benefit Guaranty Corporation.
MOTOR VEHICLE DEATHS PER 100,000 PERSONS BY AGE, 2009
Source: Insurance Institute for Highway Safety.
NUMBER OF AND DOLLARS INVESTED IN 529 PLAN ACCOUNTS, 2004-2008
Source: National Association of State Treasurers.
DRIVER HAND-HELD CELL PHONE USE BY AGE, 2002-2009 (1)
(1) Percent of drivers using hand-held cellphones.
Source: U.S. Department of Transportation, National Highway Traffic Safety Administration.
BANK INSURANCE DISTRIBUTION ACTIVITY, 2007 (1)
(1) Based on the responses of banks in the survey that sell insurance products.
Source: American Bankers Insurance Association.
PRINCIPAL TYPES OF HOME UNINTENTIONAL-INJURY DEATHS, 2009
(1) Includes deaths resulting from conflagration, regardless of nature of injury.
(2) Inhalation and ingestion of food or other object that obstructs breathing.
Source: National Safety Council.
PRIMARY PROPERTY/CASUALTY DISTRIBUTION METHOD, 2007
Source: American Bankers Insurance Association.
SELECTED INSURANCE INDUSTRY FINANCIAL ASSETS, 2010
($ billions)
Source: Board of Governors of the Federal Reserve System, June 9, 2011.
PERCENT OF PERSONAL INJURY JURY AWARDS OVER $1 MILLION, 2007-2013
Source: Reprinted with permission of Thomson Reuters, Current Award Trends in Personal Injury, 54th edition and earlier editions.
INSURANCE EXPENDITURES AS A PERCENTAGE OF TOTAL HOUSEHOLD SPENDING, 2008
Source: U.S. Department of Labor, Bureau of Labor Statistics.
MEDIAN (1) AND AVERAGE PERSONAL INJURY JURY AWARDS BY TYPE OF LIABILITY, 2009
(1) Represents the midpoint jury award. Half of awards are above the median and half are below.
Source: Jury Verdict Research.
U.S. P/C And L/A Insurance Premiums, 2024 (1)
($ billions)
(1) P/C: net premiums written after reinsurance transactions, excludes state funds; life/annuity: premiums, annuity considerations (fees for annuity contracts) and deposit-type funds. Both sectors include accident and health insurance.
Source: NAIC data, sourced from S&P Global Market Intelligence: Insurance Expense Exhibits, Summary of Operations; Insurance Information Institute.
TOTAL GROSS SURPLUS LINES PREMIUMS WRITTEN, 2006-2010
($ billions)
Source: 2008 to 2010 premiums from Business Insurance, October 10, 2011; earlier premiums from other issues.
MOTOR VEHICLE DEATHS PER 100,000 PERSONS BY AGE, 2008
Source: Insurance Institute for Highway Safety.
MARKET SHARE TRENDS BY SIZE OF INSURER, 1990-2010 (1)
(1) Based on net premiums written, excluding state funds.
Source: ISO, a Verisk Analytics company.
NUMBER OF FINANCIAL INDUSTRY REGULATORY AUTHORITY (FINRA) REPORTING FIRMS, 2001-2010
Source: Securities Industry and Financial Markets Association.
NUMBER OF FINANCIAL INDUSTRY REGULATORY AUTHORITY (FINRA) REGISTERED REPRESENTATIVES, 2001-2010
(000)
Source: Securities Industry and Financial Markets Association.
TOP 12 MOST COSTLY DISASTERS IN U.S. HISTORY
(Insured losses, 2009, $ Billions)
SECURITIES INDUSTRY PRETAX RETURN ON EQUITY, 2001-2010 (1)
(Percent)
(1) New York Stock Exchange reporting firms doing public business in the United States.
Source: Securities Industry and Financial Markets Association.
Loss Frequency
Sources: ISO Fast Track Data, Security First Insurance
SECURITIES INDUSTRY PRETAX PROFIT/LOSS, 2001-2010 (1)
($ billions)
(1) New York Stock Exchange reporting firms doing public business in the United States.
Source: Securities Industry and Financial Markets Association.
Loss Severity
Sources: ISO Fast Track Data, Security First Insurance
TOTAL CAPITAL OF NYSE REPORTING FIRMS, 2001-2010
($ billions)
Source: NYSE Euronext; Securities Industry and Financial Markets Association.
Pure Premium
Sources: ISO Fast Track Data, Security First Insurance
EQUITY CAPITAL OF NYSE REPORTING FIRMS, 2001-2010
($ billions)
Source: NYSE Euronext; Securities Industry and Financial Markets Association.
LOS 12 DESASTRES MÃS COSTOSOS EN LA HISTORIA DE EE.UU.
(Pérdidas aseguradas en costos de 2009, en miles de millones o “Billions”)
INSURANCE INDUSTRY CROSS-BORDER SALES, 2009 (1)
($ billions)
(1) Sales are gross premiums written.
Source: Organization for Economic Cooperation and Development.
SELECTED INSURANCE INDUSTRY FINANCIAL ASSETS, 2008
($ billions)
Source: Board of Governors of the Federal Reserve System, June 5, 2008.
INSURANCE EXPENDITURES AS A PERCENTAGE OF TOTAL HOUSEHOLD SPENDING, 2010
Source: U.S. Department of Labor, Bureau of Labor Statistics.
DISTRIBUTION OF THE NUMBER OF NONCASH PAYMENTS, 2003 AND 2006
(1) Electronic benefits transfer.
(2) Automated clearing house.
Source: Federal Reserve System.
EMPLOYMENT PRACTICES LIABILITY, BY DEFENDANT TYPE, 2004-2010 (1)
(1) Based on plaintiff and defendant verdicts rendered.
Source: Jury Verdict Research.
Claims With the Appearance of Abuse
Percentageof Claims Closed With Payment
Source: IRC
WORLD NATURAL CATASTROPHE LOSSES, FIRST HALF 2012
Source: © 2012 Munich Re, Geo Risks Research, NatCatSERVICE. As of July 2012.
THE NATION'S HEALTHCARE DOLLAR: 2008 WHERE IT CAME FROM
(1) State Children's Health Insurance Program.
(2) Includes co-pays, deductibles, and treatments not covered by private health insurance.
(3) Includes programs such as workers’ compensation, public health activity, Department of Defense, Department of Veterans Affairs, Indian Health Service, state and local hospital subsidies and school health.
(4) Includes industrial in-plant, privately funded construction and non-patient revenues, including philanthropy.
Source: Centers for Medicare and Medicaid Services, Office of the Actuary, National Health Statistics Group.
WORLD NATURAL CATASTROPHES, 2012
(The five costliest natural catastrophes for the insurance industry)
Source: PCS - Property Claim Services; © 2012 Munich Re, Geo Risks Research, NatCatSERVICE. As of July 2012.
NATIONAL HEALTH EXPENDITURES, AVERAGE ANNUAL PERCENT GROWTH FROM PRIOR YEAR, 1993-2019
(1) Average annual growth from 1970 through 1993; marks the beginning of the shift to managed care.
(2) Projected.
Source: Centers for Medicare and Medicaid Services, Office of the Actuary.
WORLD NATURAL CATASTROPHE LOSSES, 1980's-FIRST HALF 2012
(Overall and insured losses, annual totals 1980–2011 vs. first six months 2012)
Source: © 2012 Munich Re, Geo Risks Research, NatCatSERVICE. As of July 2012.
WORLD NATURAL CATASTROPHES, 1980's-FIRST HALF 2012
(Number of events, annual totals 1980 – 2011 vs. first six months 2012)
Source: © 2012 Munich Re, Geo Risks Research, NatCatSERVICE. As of July 2012.
Principal Types Of Home Unintentional Injury Deaths, 2023
NATURAL DISASTERS IN THE UNITED STATES, 1980ââ¬"FIRST HALF 2012
(Number of Events, Annual Totals 1980–2011 vs. First Six Months 2012)
Source: © 2012 Munich Re, NatCatSERVICE. As of July 2012.
FLORIDA NO-FAULT (PIP) PURE PREMIUMS ARE TRENDING SHARPLY UPWARD*
Source: ISO/PCI Fast Track data; Insurance Information Institute.
NATURAL CATASTROPHE LOSSES IN THE UNITED STATES, 1980-FIRST HALF 2012
(1980 – 2012; Annual totals 1980 – 2011 vs. First six months 2012)
Source: © 2012 Munich Re, NatCatSERVICE; The Property Claim Services (PCS) unit of ISO. As of July 2012.
Florida No-Fault (PIP) Pure Premiums Are Trending Sharply Upward*
Fuente: ISO/PCI Fast Track; Insurance Information Institute.
U.S. INSURED CATASTROPHE LOSSES, 1989-FIRST QUARTER 2012
($ billions, 2011 dollars)
*PCS figure for Q1 2012.
Source: Property Claims Service/ISO; Insurance Information Institute. As of July 2012.
TYPES OF DIRECTORS AND OFFICERS LIABILITY CLAIMS, 1999-2008 (1)
(1) Based on participants in the survey that reported one or more claims over the 10-year period.
Source: 2008 Directors and Officers Liability Survey, Towers Watson.
NUMBER OF U.S. LANDFALLING TROPICAL CYCLONES, 1900-FIRST HALF 2012
Source: © 2012 Munich Re, NatCatSERVICE; NOAA. As of July 2012.
DIRECTORS AND OFFICERS LIABILITY CLAIMS BY TYPE OF CLAIMANT IN THE UNITED STATES, 1999-2008 (1)
(1) Based on participants in the survey that reported one or more claims over the 10-year period.
NA=Not applicable.
Source: 2008 Directors and Officers Liability Survey, Towers Watson.
INSURED U.S. TROPICAL CYCLONE LOSSES, 1980-FIRST HALF 2012
Source: 2012 Munich Re, NatCatSERVICE; The Property Claim Services (PCS) unit of ISO; National Flood Insurance Plan. As of July 2012.
DIRECTORS AND OFFICERS LIABILITY CLAIMS BY BUSINESS OWNERSHIP, 1999-2008 (1)
(1) Based on participants in the survey that reported one or more claims over the 10-year period.
Source: 2008 Directors and Officers Liability Survey, Towers Watson.
U.S. THUNDERSTORM LOSS TRENDS, 1980-FIRST HALF 2012
(Annual Totals 1980–2011 vs. First Six Months 2012)
Source: 2012 Munich Re, NatCatSERVICE; The Property Claim Services (PCS) unit of ISO. As of July 2012.
WORLD NATURAL CATASTROPHE LOSSES, FIRST NINE MONTHS 2010
Source: © Munich Re, Geo Risks Research, NatCatSERVICE. As of September 2010.
NATURAL DISASTER LOSSES IN THE UNITED STATES, FIRST HALF 2012
Source: © 2012 Munich Re, NatCatSERVICE. As of July 2012.
SIGNIFICANT EARTHQUAKES/TSUNAMIS WORLDWIDE: 1980 ââ¬" FEBRUARY 2011; 10 COSTLIEST EVENTS ORDERED BY INSURED LOSSES
Source: © Munich Re, Geo Risks Research, NatCatSERVICE – As at 11 March 2011.
NUMBER OF TORNADOES AND RELATED DEATHS PER MONTH, 2011
Source: U.S. Department of Commerce, Storm Prediction Center, National Weather Service.
IDENTITY THEFT AND FRAUD COMPLAINTS, 2007-2009 (1)
(1) Percentages are based on the total number of Consumer Sentinel Network complaints by calendar year. These figures exclude "Do Not Call" registry complaints.
Source: Federal Trade Commission.
FINANCIAL SERVICES EMPLOYMENT BY INDUSTRY, 2011
(000)
Source: U.S. Department of Labor, Bureau of Labor Statistics.
Top Three States By Inflation-Adjusted Insured Catastrophe Losses, 1987-2016 (1)
(2016 $ billions)
(1) Adjusted for inflation through 2016 by ISO using the GDP implicit price deflator. Excludes catastrophes causing direct losses less than $25 million in 1997 dollars. Excludes flood damage covered by the federally administered National Flood Insurance Program.
(2) Includes the other 47 states plus Washington, D.C., Puerto Rico, and the U.S. Virgin Islands.
Source: The Property Claim Services® (PCS®) unit of ISO®, a Verisk Analytics® company.
TYPES OF DIRECTORS AND OFFICERS LIABILITY CLAIMS, 2002-2011 (1)
(1) Based on participants in the survey that reported one or more claims over the 10-year period.
Source: 2011 Directors and Officers Liability Survey, Towers Watson.
FINANCIAL SERVICES EMPLOYMENT BY INDUSTRY, 2009
(000)
Source: U.S. Department of Labor, Bureau of Labor Statistics.
DIRECTORS AND OFFICERS LIABILITY CLAIMS BY TYPE OF CLAIMANT IN THE UNITED STATES, 2002-2011 (1)
(1) Based on participants in the survey that reported one or more claims over the 10-year period.
Source: 2011 Directors and Officers Liability Survey, Towers Watson.
GROSS DOMESTIC PRODUCT OF FINANCIAL SERVICES, SHARES BY COMPONENT, INCLUDING REAL ESTATE, 2008
Source: U.S. Department of Commerce, Bureau of Economic Analysis.
INSURANCE BUSINESS IN THE U.S. WRITTEN BY SUBSIDIARIES OF FOREIGN CONTROLLED COMPANIES, 2010
($ billions)
Source: Organization for Economic Cooperation and Development.
GROSS DOMESTIC PRODUCT OF FINANCIAL SERVICES, SHARES BY COMPONENT, EXCLUDING REAL ESTATE, 2008
Source: U.S. Department of Commerce, Bureau of Economic Analysis.
IT SPENDING BY INDUSTRY AND REGION, 2011 AND 2014
($ billions)
(1) Projected.
Source: Celent.
WORLD NATURAL CATASTROPHE LOSSES, 2010
Source: © 2010 Munich Re, Geo Risks Research, NatCatSERVICE. As of February 2011.
BANK INDIVIDUAL LIFE INSURANCE SALES, 2007-2011 (1)
($ millions)
(1) Based on total new premium.
Source: BISRA (formerly Kehrer-LIMRA).
U.S. RETIREMENT ASSETS, BY TYPE, 2000-2009
($ trillions, end of year)
(1) Data for 2003, 2005, 2006, 2007, 2008 and 2009 are estimates.
Source: Investment Company Institute.
PREFERRED BANKING METHOD, ALL AGE GROUPS, 2011 (1)
(1) Based on an August 2011 survey of 2,011 Americans age 18 and over.
Source: American Bankers Association.
PRINCIPAL TYPES OF HOME UNINTENTIONAL INJURY DEATHS, 2010
(1) Includes deaths resulting from conflagration, regardless of nature of injury.
(2) Inhalation and ingestion of food or other object that obstructs breathing.
Source: National Safety Council.
NATURAL DISASTERS IN THE UNITED STATES, 1980ââ¬"2010
Source: © 2011 Munich Re. NatCatSERVICE.
LOSS DISTRIBUTION BY TYPE OF INSURANCE FROM SEPTEMBER 11 TERRORIST ATTACK (1)
($ 2011 billions)
(1) Adjusted to 2011 dollars by the Insurance Information Institute using the U.S. Department of Labor BLS Calculator.
Source: Insurance Information Institute.
INSURED LOSSES DUE TO WEATHER PERILS IN THE U.S., 1980ââ¬"2010
Source: © 2011 Munich Re. NatCatSERVICE.
DRIVER HAND-HELD CELLPHONE USE BY AGE, 2002-2010 (1)
(1) Percent of drivers using hand-held cellphones.
Source: U.S. Department of Transportation, National Highway Traffic Safety Administration.
401(k) PLAN PARTICIPANTS BY AGE, 2008 (1)
(1) May not add to total due to rounding.
Source: Investment Company Institute.
HOMEOWNERS LOSSES RANKED BY CLAIMS SEVERITY (AVERAGE CLAIM), 2006-2010 (1)
(Weighted average, 2006-2010)
(1) For homeowners multiple peril policies. Excludes tenants and condominium owners policies. Accident year incurred losses, excluding loss adjustment expenses, i.e., indemnity costs per accident year incurred claims.
(2) Includes coverage for unauthorized use of various cards, forgery, counterfeit money and losses not otherwise classified.
(3) Includes vandalism and malicious mischief.
Source: ISO, a Verisk Analytics company.
AVERAGE ASSET ALLOCATION FOR ALL 401(K) PLAN BALANCES, 2008 (1)
(1) Percentages are dollar-weighted averages.
Source: Investment Company Institute.
MOTOR VEHICLE DEATHS BY ACTIVITY OF PERSON KILLED, 2010
(1) Includes other non-occupants.
Source: U.S. Department of Transportation, National Highway Traffic Safety Administration.
MUTUAL FUND RETIREMENT ASSETS BY TYPE OF PLAN, 2009 (1)
($ billions, end of year)
(1) Preliminary data.
Source: Investment Company Institute.
MOTOR VEHICLE DEATHS PER 100,000 PERSONS BY AGE, 2010
Source: Insurance Institute for Highway Safety.
PERCENT OF FEMALE WORKERS IN THE U.S. WORKFORCE AND SELECTED INSURANCE OCCUPATIONS, 2010
Source: U.S. Bureau of Labor Statistics, Current Population Survey.
TOP TEN WINTER STORM AND WINTER DAMAGE EVENTS IN THE US AND CANADA, 1980-2013 (1)
(1) Top ten events in original insured loss dollars were adjusted to and ranked by the Insurance Information Institute to 2013 inflation-adjusted values.
Source: Munich Re NatCatSERVICE; Insurance Information Institute.
WINTER STORM AND WINTER DAMAGE EVENTS IN THE US AND CANADA, 1980-2013
Source: Munich Re NatCatSERVICE; Insurance Information Institute.
LOSS DISTRIBUTION BY TYPE OF INSURANCE FROM SEPTEMBER 11 TERRORIST ATTACK (1)
($ 2012 billions)
(1) Adjusted to 2012 dollars by the Insurance Information Institute using the U.S. Department of Labor BLS Calculator.
(2) Loss total does not include March 2010 New York City settlement of up to $657.5 million to compensate approximately 10,000 Ground Zero workers or any subsequent settlements.
Source: Insurance Information Institute.
Winter Storm and Winter Damage Events in the US and Canada, 1980-2013 (2013 US$)
Insured Losses (millions, $ 2013)
Sources: Munich Re NatCatSERVICE; Insurance Information Institute.
TOP TEN WINTER STORM AND WINTER DAMAGE EVENTS IN THE US AND CANADA, 1980-2013 (1)
(1) Top ten events in original insured loss dollars were adjusted to and ranked by the Insurance Information Institute to 2013 inflation-adjusted values.
Source: Munich Re NatCatSERVICE; Insurance Information Institute.
WINTER STORM AND WINTER DAMAGE EVENTS IN THE US AND CANADA, 1980-2013
(insured losses, millions $2013)
Source: Munich Re NatCatSERVICE; Insurance Information Institute.
INFLATION-ADJUSTED U.S. INSURED CATASTROPHE LOSSES BY CAUSE OF LOSS, 1993-2012 (1)
(2012 $ billions)
(1) Adjusted for inflation through 2012 by ISO using the GDP implicit price deflator. Excludes catastrophes causing direct losses less than $25 million in 1997 dollars. Excludes flood damage covered by the federally administered National Flood Insurance Program.
(2) Includes losses from other perils that frequently accompany tornadoes such as hail, wind and thunderstorms. Excludes snow.
(3) Includes wildland fires.
(4) Includes losses from civil disorders, water damage, utility service disruptions, and any workers compensation catastrophes generating losses in excess of PCS's threshold after adjusting for inflation.
Source: Property Claim Services (PCS), a division of Verisk Analytics.
AVERAGE ASSET ALLOCATION FOR ALL 401(K) PLAN BALANCES, 2011 (1)
(1) Percentages are dollar-weighted averages.
Source: Investment Company Institute.
NUMBER OF TORNADOES AND RELATED DEATHS PER MONTH, 2012 (1)
(1) Excludes Puerto Rico. Excludes tornadoes crossing state lines. Counts these tornadoes as one event.
Source: U.S. Department of Commerce, Storm Prediction Center, National Weather Service.
HOMEOWNERS LOSSES RANKED BY CLAIMS FREQUENCY, 2006-2010 (1)
(Weighted average, 2006-2010)
(1) Claims per 100 house years (policies). For homeowners multiple peril policies. Excludes tenants and condominium owners policies.
(2) Includes vandalism and malicious mischief.
(3) Includes coverage for unauthorized use of various cards, forgery, counterfeit money and losses not otherwise classified.
Source: ISO, a Verisk Analytics company.
PERCENT OF FEMALE WORKERS IN THE U.S. WORKFORCE AND SELECTED INSURANCE OCCUPATIONS, 2012
Source: U.S. Bureau of Labor Statistics, Current Population Survey.
HOMEOWNERS LOSSES RANKED BY CLAIMS SEVERITY (AVERAGE CLAIM), 2007-2011 (1)
(Weighted average, 2007-2011)
(1) For homeowners multiple peril policies. Excludes tenants and condominium owners policies. Accident year incurred losses, excluding loss adjustment expenses, i.e., indemnity costs per accident year incurred claims.
(2) Includes coverage for unauthorized use of various cards, forgery, counterfeit money and losses not otherwise classified.
(3) Includes vandalism and malicious mischief.
Source: ISO, a Verisk Analytics company.
HOMEOWNERS LOSSES RANKED BY CLAIMS FREQUENCY, 2007-2011 (1)
(Weighted average, 2007-2011)
(1) Claims per 100 house years (policies). For homeowners multiple peril policies. Excludes tenants and condominium owners policies.
(2) Includes vandalism and malicious mischief.
(3) Includes coverage for unauthorized use of various cards, forgery, counterfeit money and losses not otherwise classified.
Source: ISO, a Verisk Analytics company.
DRIVER HAND-HELD CELLPHONE USE BY AGE, 2004-2011 (1)
(1) Percent of drivers using hand-held cellphones.
Source: U.S. Department of Transportation, National Highway Traffic Safety Administration.
IDENTITY THEFT AND FRAUD COMPLAINTS, 2010-2012 (1)
(1) Percentages are based on the total number of Consumer Sentinel Network complaints by calendar year. These figures exclude "Do Not Call" registry complaints.
Source: Federal Trade Commission.
PRINCIPAL TYPES OF HOME UNINTENTIONAL INJURY DEATHS, 2011
(1) Inhalation and ingestion of food or other object that obstructs breathing.
Source: National Safety Council.
MOTOR VEHICLE DEATHS PER 100,000 PERSONS BY AGE, 2011
Source: Insurance Institute for Highway Safety.
NATURAL DISASTER LOSSES IN THE UNITED STATES, 2013
Source: © 2014 Munich Re, NatCatSERVICE. As of January 2014.
NUMBER OF TORNADOES AND RELATED DEATHS PER MONTH, 2013
Source: U.S. Department of Commerce, Storm Prediction Center, National Weather Service.
INSURANCE BUSINESS IN THE U.S. WRITTEN BY SUBSIDIARIES OF FOREIGN CONTROLLED COMPANIES, 2011
($ billions)
Source: Organization for Economic Cooperation and Development.
Wildfire Losses In The United States, 2010-2019 (1)
(2019 $ millions)
(1) Adjusted for inflation by Munich Re based on the Consumer Price Index.
Source: © 2020 Munich Re, NatCatSERVICE.
WORKSITE LIFE INSURANCE SALES BY LINE OF BUSINESS, 2012
(1) Short-term and long-term disability.
Source: Eastbridge Consulting Group, Inc.
LIFE INDIVIDUAL MARKET SHARE BY DISTRIBUTION CHANNEL, 2003-2012
(Based on first year collected premium)
(1) Includes brokers, stockbrokers and personal producing general agents.
(2) Includes career, multiline exclusive and home service agents.
(3) No producers are involved. Does not include direct marketing efforts involving agents.
(4) Includes financial institutions, worksite and other channels.
(5) Estimate.
Source: LIMRA’s U.S. Individual Life Insurance Sales Survey and LIMRA estimates.
BANK INDIVIDUAL LIFE INSURANCE SALES, 2008-2012 (1)
($ millions)
(1) Based on total new premiums.
Source: Bank Insurance and Securities Research Associates (BISRA).
U.S. PROPERTY/CASUALTY AND LIFE/HEALTH INSURANCE PREMIUMS, 2012 (1)
(1) Property/casualty: net premiums written, excludes state funds; life/health: premiums, annuity considerations (fees for annuity contracts) and deposit-type funds.
Source: SNL Financial LC.
GROWTH IN U.S. PREMIUMS, PROPERTY/CASUALTY AND LIFE/HEALTH INSURANCE, 2003-2012
(Percent change from prior year)
(1) Net premiums written, excludes state funds.
(2) Premiums, annuity considerations (fees for annuity contracts) and deposit-type funds for life/health insurance companies.
Source: SNL Financial LC.
U.S. RETIREMENT ASSETS, 2008 AND 2012
($ trillions, year-end)
(1) Estimated.
Source: Investment Company Institute.
RETIREMENT FUNDS ASSET MIX, 2012
Source: Board of Governors of the Federal Reserve System, June 6, 2013.
IRA MARKET SHARES BY HOLDER, 2008 AND 2012
(Market value, end of year)
(1) Includes savings banks, commercial banks and Keogh accounts.
(2) Includes Keogh accounts.
(3) Excludes variable annuities.
Source: Board of Governors of the Federal Reserve System, June 6, 2013.
.
MUTUAL FUND RETIREMENT ASSETS BY TYPE OF PLAN, 2012 (1)
($ billions, end of year)
(1) Preliminary data. Excludes defined benefit plans.
Source: Investment Company Institute.
DEFFERED ANNUITY ASSETS, 2003-2012
($ billions, end of year)
(1) Not reported before 2010.
Source: LIMRA International.
INDIVIDUAL IMMEDIATE ANNUITY SALES, 2008-2012 (1)
($ billions)
(1) Includes variable individual annuities sales which were less than $0.1 billion.
(2) Single premium contracts bought by property/casualty insurers to distribute awards in personal injury or wrongful death lawsuits over a period of time, rather than as lump sums.
Source: LIMRA International.
MOTOR VEHICLE DEATHS BY ACTIVITY OF PERSON KILLED, 2011
(1) Includes other non-occupants.
Source: U.S. Department of Transportation, National Highway Traffic Safety Administration.
AVERAGE PERSONAL INJURY JURY AWARDS, 2007-2011
Source: Thomson Reuters, Jury Verdict Research Series.
MEDIAN (1) AND AVERAGE PERSONAL INJURY JURY AWARDS BY TYPE OF LIABILITY, 2011
(1) Represents the midpoint jury award. Half of the awards are above the median and half are below.
Source: Thomson Reuters, Jury Verdict Research Series.
PERCENT OF PERSONAL INJURY JURY AWARDS OVER $1 MILLION, 2002-2011
Source: Thomson Reuters, Jury Verdict Research Series.
INFLATION-ADJUSTED U.S. INSURED CATASTROPHE LOSSES BY CAUSE OF LOSS, 1993-2012 (1)
(2012 $ billions)
(1) Adjusted for inflation through 2012 by ISO using the GDP implicit price deflator. Excludes catastrophes causing direct losses less than $25 million in 1997 dollars. Excludes flood damage covered by the federally administered National Flood Insurance Program.
(2) Includes losses from other perils that frequently accompany tornadoes such as hail, wind and thunderstorms. Excludes snow.
(3) Includes wildland fires.
(4) Includes losses from civil disorders, water damage, utility service disruptions, and any workers compensation catastrophes generating losses in excess of PCS's threshold after adjusting for inflation.
Source: Property Claim Services (PCS), a division of Verisk Analytics.
INVESTMENTS, LIFE/HEALTH INSURERS, BOND PORTFOLIO, 2012 (1)
(1) Long-term bonds with maturity dates over one year, as of December 31, 2012.
Source: SNL Financial LC.
TYPES OF DIRECTORS AND OFFICERS LIABILITY CLAIMS, 2003-2012 (1)
(1) Based on participants in the survey that reported one or more claims over the 10-year period.
Source: 2012 Directors and Officers Liability Survey, Towers Watson.
DIRECTORS AND OFFICERS LIABILITY CLAIMS BY TYPE OF CLAIMANT IN THE UNITED STATES, 2003-2012 (1)
(1) Based on participants in the survey that reported one or more claims over the 10-year period.
Source: 2012 Directors and Officers Liability Survey, Towers Watson.
PERCENT CHANGE FROM PRIOR YEAR, NET PREMIUMS WRITTEN AND POLICYHOLDERS' SURPLUS, P/C INSURANCE, 2003-2012 (1)
(1) After reinsurance transactions, excludes state funds.
Source: SNL Financial LC.
OPERATING RESULTS, PROPERTY/ CASUALTY INSURANCE, 2003-2012 (1)
($ billions)
(1) Excludes state funds.
(2) Net underwriting gain/loss plus net investment income.
Source: SNL Financial LC.
PREMIUMS WRITTEN BY LINE, PROPERTY/CASUALTY INSURANCE, 2012
($ billions)
(1) Less than $0.01 billion.
(2) After reinsurance transactions, excludes state funds.
(3) Before reinsurance transactions, includes some state funds.
(4) Includes international and miscellaneous coverages.
(5) Premiums from certain insurers that write health insurance but file financial statements with state regulators on a property/casualty rather than life/health basis.
(6) Only includes nonproportional reinsurance, an arrangement in which a reinsurer makes payments to an insurer whose losses exceed a predetermined amount.
(7) Coverages protecting against legal liability resulting from negligence, carelessness, or failure to act.
Source: SNL Financial LC.
TOTAL AUTO PREMIUMS BY SECTOR, 2012
($ billions, net premiums written)
Source: SNL Financial LC.
AUTO SHARE OF P/C INDUSTRY, 2012
($ billions, net premiums written)
Source: SNL Financial LC.
PERCENT CHANGE FROM PRIOR YEAR, NET PREMIUMS WRITTEN, PRIVATE PASSENGER AUTO INSURANCE, 2003-2012
Source: SNL Financial LC.
INVESTMENTS, PROPERTY/CASUALTY INSURERS, 2012
(1) Cash and invested net admitted assets, as of December 31, 2012.
Source: SNL Financial LC.
PERCENT CHANGE FROM PRIOR YEAR, NET PREMIUMS WRITTEN, P/C INSURANCE, 1975-2012 (1)
(1) Excludes state funds.
Source: ISO, a Verisk Analytics company.
PROPERTY/CASUALTY INSURANCE COMBINED RATIO, 1975-2012 (1)
(1) Excludes state funds and residual markets.
Source: ISO, a Verisk Analytics company.
TOP THREE STATES BY INFLATION-ADJUSTED INSURED CATASTROPHE LOSSES, 1983-2012 (1)
(2012 $ billions)
(1) Adjusted for inflation through 2012 by ISO using the GDP implicit price deflator. Excludes catastrophes causing direct losses less than $25 million in 1997 dollars. Excludes flood damage covered by the federally administered National Flood Insurance Program.
(2) Includes the other 47 states plus Washington, D.C., Puerto Rico, and the U.S. Virgin Islands.
Source: Property Claim Services (PCS), a division of Verisk Analytics.
SALES OF INDIVIDUAL ANNUITIES BY DISTRIBUTION CHANNELS, 2008 AND 2012
(1) Preliminary.
Source: LIMRA International.
Clone of WORKERS COMPENSATION MEDICAL COSTS, 2003-2012
(1) Based on states where the National Council on Compensation Insurance provides ratemaking services. Represents costs for injuries that resulted in time off from work. Data for 2012 are preliminary.
Source: U.S. Bureau of Labor Statistics; National Council on Compensation Insurance.
NATIONAL HEALTH EXPENDITURES, AVERAGE ANNUAL PERCENT GROWTH FROM PRIOR YEAR, 1993-2022
(1) Average annual growth from 1970 through 1993; marks the beginning of the shift to managed care.
(2) Projected.
Source: Centers for Medicare and Medicaid Services, Office of the Actuary.
GROSS SURPLUS LINES PREMIUMS WRITTEN, 2008-2012
($ billions)
Source: 2010 to 2012 premiums from Business Insurance (www.businessinsurance.com), September 23, 2013; earlier premiums from other issues.
CYBER CRIME COMPLAINTS, 2008-2012 (1)
(1) Based on complaints submitted to the Internet Crime Complaint Center.
Source: Internet Crime Complaint Center.
INSURANCE EXPENDITURES AS A PERCENTAGE OF TOTAL HOUSEHOLD SPENDING, 2012
Source: U.S. Department of Labor, Bureau of Labor Statistics.
FIRE LOSSES IN THE UNITED STATES, BY LINE OF INSURANCE, 2012
(1) Includes private insurance and FAIR plans.
Source: ISO®, a Verisk Analytics® company.
SIGNIFICANT VOLCANIC ERUPTIONS
Source: © Munich Re, Geo Risks Research, NatCatSERVICE. As of April 2010.
EMPLOYMENT PRACTICES LIABILITY, BY DEFENDANT TYPE, 2006-2012 (1)
(1) Based on plaintiff and defendant verdicts rendered.
Source: Reprinted with permission of Thomson Reuters, Employment Practice Liability, Jury Award Trends And Statistics, 2013 edition.
MARKET SHARE TRENDS BY SIZE OF INSURER, 1992-2012 (1)
(1) Based on net premiums written, excludes state funds and other residual market carriers.
Source: ISO®, a Verisk Analytics® company.
WORLD NATURAL CATASTROPHE LOSSES, 2013
Source: © 2014 Munich Re, Geo Risks Research, NatCatSERVICE. As of January 2014.
WORLD NATURAL CATASTROPHES, 2013
Source: © 2014 Munich Re, Geo Risks Research, NatCatSERVICE. As of January 2014.
THE FIVE LARGEST NATURAL CATASTROPHES OF 2013 BY INSURED LOSSES (1)
($ millions)
Source: © 2014 Munich Re, Geo Risks Research, NatCatSERVICE. As of January 2014.
COSTLIEST NATURAL CATASTROPHES SINCE 1950
Source: © 2015 Munich Re, Geo Risks Research, NatCatSERVICE. As of January 2015.
($ millions)
WORLD NATURAL CATASTROPHE LOSSES, 1980–2013
(Overall and insured losses)
Source: © 2014 Munich Re, Geo Risks Research, NatCatSERVICE. As of January 2014.
WORLD NATURAL CATASTROPHES, 1980–2013
(Number of events)
Source: © 2014 Munich Re, Geo Risks Research, NatCatSERVICE. As of January 2014.
NATURAL DISASTER LOSSES IN THE UNITED STATES, 2013
Source: © 2014 Munich Re, NatCatSERVICE. As of January 2014.
NATURAL CATASTROPHE LOSSES IN THE UNITED STATES, 1980-2013
(Overall and insured losses)
Source: © 2014 Munich Re, NatCatSERVICE; Property Claim Services (PCS), a division of Verisk Analytics. As of January 2014.
NUMBER OF NATURAL DISASTERS IN THE UNITED STATES, 1980–2013
(Number of events)
Source: © 2014 Munich Re, NatCatSERVICE. As of January 2014.
U.S. THUNDERSTORM LOSS TRENDS, 1980-2013
(Annual totals 1980–2013)
Source: 2014 Munich Re, NatCatSERVICE; Property Claim Services (PCS), a division of Verisk Analytics. As of January 2014.
U.S. WINTER STORM LOSS TRENDS, 1980-2011
(Annual totals 1980 – 2011)
Source: © 2012 Munich Re, NatCatSERVICE.
THE FIVE LARGEST NATURAL CATASTROPHES OF 2013 BY OVERALL LOSSES (1)
($ millions)
Source: © 2014 Munich Re, Geo Risks Research, NatCatSERVICE. As of January 2014.
THE FIVE LARGEST NATURAL CATASTROPHES OF 2013 BY NUMBER OF FATALITIES (1)
Source: © 2014 Munich Re, Geo Risks Research, NatCatSERVICE. As of January 2014.
SIGNIFICANT NATURAL CATASTROPHES IN THE UNITED STATES, 2013
Source: © 2014 Munich Re, NatCatSERVICE. As of January 2014.
Natural Catastrophe Losses In The United States, 2006-2015
(Based on perils)
Source: © 2016 Munich Re, NatCatSERVICE; Property Claim Services (PCS®)*, a Verisk Analytics® business. As of March 2016.
INSURED U.S. LOSSES DUE TO WINTER STORMS, 1980-2014 (1)
(2014 $ millions)
(1) Includes losses due to winter damage, blizzard, snow storm and cold wave.
Source: © 2015 Munich Re, Geo Risks Research, NatCatSERVICE, as of January 2015.
CATASTROPHE BONDS, ANNUAL RISK CAPITAL ISSUED, 2004-2013
($ billions)
Source: GC Securities, a division of MMC Securities Corp., a U.S. registered broker-dealer, member FINRA/SIPC, and Guy Carpenter.
CATASTROPHE BONDS, RISK CAPITAL OUTSTANDING, 2004-2013
($ billions)
Source: GC Securities, a division of MMC Securities Corp., a U.S. registered broker-dealer, member FINRA/SIPC, and Guy Carpenter.
FLOOD INSURANCE POLICIES IN FORCE BY OCCUPANCY TYPE, 2012 (1)
(1) As of April 30, 2013.
Source: Federal Emergency Management Agency (FEMA).
PERCENT OF FEMALE WORKERS IN THE U.S. WORKFORCE AND SELECTED INSURANCE OCCUPATIONS, 2013
Source: U.S. Bureau of Labor Statistics, Current Population Survey.
INSURANCE BUSINESS IN THE U.S. WRITTEN BY SUBSIDIARIES OF FOREIGN CONTROLLED COMPANIES, 2012
($ billions)
Source: Organization for Economic Cooperation and Development.
HOMEOWNERS LOSSES RANKED BY CLAIMS SEVERITY (AVERAGE CLAIM), 2008-2012 (1)
(Weighted average, 2008-2012)
(1) For homeowners multiple peril policies. Excludes tenants and condominium owners policies. Accident year incurred losses, excluding loss adjustment expenses, i.e., indemnity costs per accident year incurred claims.
(2) Includes vandalism and malicious mischief.
(3) Includes coverage for unauthorized use of various cards, forgery, counterfeit money and losses not otherwise classified.
Source: ISO®, a Verisk Analytics® company.
HOMEOWNERS LOSSES RANKED BY CLAIMS FREQUENCY, 2008-2012 (1)
(Weighted average, 2008-2012)
(1) Claims per 100 house years (policies). For homeowners multiple peril policies. Excludes tenants and condominium owners policies.
(2) Includes vandalism and malicious mischief.
(3) Includes coverage for unauthorized use of various cards, forgery, counterfeit money and losses not otherwise classified.
Source: ISO®, a Verisk Analytics® company.
IDENTITY THEFT AND FRAUD COMPLAINTS, 2011-2013 (1)
(1) Percentages are based on the total number of Consumer Sentinel Network complaints by calendar year. These figures exclude "Do Not Call" registry complaints.
Source: Federal Trade Commission.
LIGHTNING FATALITIES BY STATE, 2013
Source: U.S. Department of Commerce, National Oceanic and Atmospheric Administration, National Weather Service.
U.S. INSURED CATASTROPHE LOSSES, 1989-2012 (1)
($ billions, 2012 dollars)
(1) Does not include National Flood Insurance Program losses.
*As of 1/2/13. Includes $18.8B gross loss estimate for Hurricane Sandy.
Note: 2001 figure includes $20.3B for 9/11 losses reported through 12/31/01 ($25.9B 2011 dollars). Includes only business and personal property claims, business interruption and auto claims. Non-prop/BI losses = $12.2B ($15.6B in 2011 dollars.)
Source: The Property Claim Services® (PCS®) unit of ISO®, a Verisk Analytics® company; Insurance Information Institute. As of January 2013.
NUMBER OF TORNADOES AND RELATED DEATHS PER MONTH, 2013 (1)
(1) Excludes Puerto Rico. A tornado that crosses state lines is counted as a single event in this chart.
Source: U.S. Department of Commerce, Storm Prediction Center, National Weather Service.
PRINCIPAL TYPES OF HOME UNINTENTIONAL INJURY DEATHS, 2012
(1) Inhalation and ingestion of food or other object that obstructs breathing.
Source: National Safety Council. (2014). Injury Facts®, 2014 Edition. Itasca, IL.
INFLATION-ADJUSTED U.S. INSURED CATASTROPHE LOSSES BY CAUSE OF LOSS, 1994-2013 (1)
(2013 $ billions)
(1) Adjusted for inflation through 2013 by ISO using the GDP implicit price deflator. Excludes catastrophes causing direct losses less than $25 million in 1997 dollars. Excludes flood damage covered by the federally administered National Flood Insurance Program.
(2) Includes other wind, hail, and/or flood losses associated with catastrophes involving tornadoes.
(3) Includes wildland fires.
(4) Includes losses from civil disorders, water damage, utility service disruptions, and any workers compensation catastrophes generating losses in excess of PCS's threshold after adjusting for inflation.
Source: The Property Claim Services® (PCS®) unit of ISO®, a Verisk Analytics® company.
TOP THREE STATES BY INFLATION-ADJUSTED INSURED CATASTROPHE LOSSES, 1983-2013 (1)
(2013 $ billions)
(1) Adjusted for inflation through 2013 by ISO using the GDP implicit price deflator. Excludes catastrophes causing direct losses less than $25 million in 1997 dollars. Excludes flood damage covered by the federally administered National Flood Insurance Program.
(2) Includes the other 47 states plus Washington, D.C., Puerto Rico, and the U.S. Virgin Islands.
Source: The Property Claim Services® (PCS®) unit of ISO®, a Verisk Analytics® company.
MOTOR VEHICLE DEATHS PER 100,000 PERSONS BY AGE, 2012
Source: Insurance Institute for Highway Safety.
NUMBER OF ACRES BURNED IN WILDFIRES, 1980–2013
Source: © 2014 Munich Re. NatCatSERVICE; National Interagency Fire Center. As of January 2014.
DEFFERED ANNUITY ASSETS, 2004-2013
($ billions, end of year)
(1) Not reported before 2010.
Source: LIMRA Secure Retirement Institute.
INDIVIDUAL IMMEDIATE ANNUITY SALES, 2009-2013 (1)
($ billions)
(1) Includes variable individual annuities sales which were less than $0.1 billion.
(2) Single premium contracts bought by property/casualty insurers to distribute awards in personal injury or wrongful death lawsuits over a period of time, rather than as lump sums.
Source: LIMRA Secure Retirement Institute.
DRIVER HAND-HELD CELLPHONE USE BY AGE, 2004-2012
Source: U.S. Department of Transportation, National Highway Traffic Safety Administration.
WILDFIRE LOSSES IN THE UNITED STATES, 2004-2013 (1)
(2013 $ millions)
(1) Adjusted for inflation.
Source: © 2014 Munich Re, Geo Risks Research, NatCatSERVICE.
MUTUAL FUND RETIREMENT ASSETS BY TYPE OF PLAN, 2013 (1)
($ billions, end of year)
(1) Preliminary data. Excludes defined benefit plans.
Source: Investment Company Institute, Investment Company Fact Book 2014. www.ici.org.
MOTOR VEHICLE DEATHS BY ACTIVITY OF PERSON KILLED, 2012
(1) Includes other non-occupants.
Source: U.S. Department of Transportation, National Highway Traffic Safety Administration.
RETIREMENT FUNDS ASSET MIX, 2013
Source: Board of Governors of the Federal Reserve System, June 5, 2014.
WORLD LIFE AND NONLIFE INSURANCE DIRECT PREMIUMS WRITTEN, 2013
Source: Swiss Re, sigma, No. 3/2014.
AVERAGE PERSONAL INJURY JURY AWARDS, 2008-2012
Source: Reprinted with permission of Thomson Reuters, Current Award Trends in Personal Injury, 53rd edition.
PERCENT OF PERSONAL INJURY JURY AWARDS OVER $1 MILLION, 2003-2012
Source: Reprinted with permission of Thomson Reuters, Current Award Trends in Personal Injury, 53rd edition and earlier editions.
MEDIAN AND AVERAGE PERSONAL INJURY JURY AWARDS BY TYPE OF LIABILITY, 2012
(1) Represents the midpoint jury award. Half of the awards are above the median and half are below.
Source: Reprinted with permission of Thomson Reuters, Current Award Trends in Personal Injury, 53rd edition.
NATURAL DISASTER LOSSES IN THE UNITED STATES, 2014
Source: © 2015 Munich Re, NatCatSERVICE. As of January 2015.
NATURAL CATASTROPHE LOSSES IN THE UNITED STATES, 1980-2014
(Overall and insured losses)
Source: © 2015 Munich Re, NatCatSERVICE; Property Claim Services (PCS), a division of Verisk Analytics. As of January 2015.
NUMBER OF NATURAL DISASTERS IN THE UNITED STATES, 1980–2014
(Number of events)
Source: © 2015 Munich Re, NatCatSERVICE. As of January 2015.
U.S. CONVECTIVE LOSS EVENTS, 1980-2014
(2014 $ billions)
Source: 2015 Munich Re, NatCatSERVICE; Property Claim Services (PCS), a division of Verisk Analytics. As of January 2015.
U.S. Tornado Count, 2024
Source: U.S. Department of Commerce, National Oceanic and Atmospheric Administration, National Weather Service.
U.S. INSURED CATASTROPHE LOSSES, 1989-2013 (1)
($ billions, 2013 dollars)
(1) Does not include National Flood Insurance Program losses.
*Through 12/31/14.
Note: 2001 figure includes $20.3B for 9/11 losses reported through 12/31/01 ($25.9B 2011 dollars). Includes only business and personal property claims, business interruption and auto claims. Non-prop/BI losses = $12.2B ($15.6B in 2011 dollars.)
Source: The Property Claim Services® (PCS®) unit of ISO®, a Verisk Analytics® company; Insurance Information Institute. As of January 2014.
WORLD NATURAL CATASTROPHE LOSSES, 2014
Source: © 2015 Munich Re, Geo Risks Research, NatCatSERVICE. As of January 2015.
WORLD NATURAL CATASTROPHES, 2014
Source: © 2015 Munich Re, Geo Risks Research, NatCatSERVICE. As of January 2015.
THE FIVE LARGEST NATURAL CATASTROPHES OF 2014 BY INSURED LOSSES
($ millions)
Source: © 2015 Munich Re, Geo Risks Research, NatCatSERVICE. As of January 2015.
COSTLIEST NATURAL CATASTROPHES SINCE 1950
($ millions)
Source: © 2015 Munich Re, Geo Risks Research, NatCatSERVICE. As of January 2015.
INVESTMENTS, LIFE/HEALTH INSURERS, BOND PORTFOLIO, 2013 (1)
(1) Long-term bonds with maturity dates over one year, as of December 31, 2013.
Source: SNL Financial LC.
LIFE INDIVIDUAL MARKET SHARE BY DISTRIBUTION CHANNEL, 2004-2013
(Based on first year collected premium)
(1) Includes brokers, stockbrokers and personal producing general agents.
(2) Includes career, multiline exclusive and home service agents.
(3) No producers are involved. Excludes direct marketing efforts involving agents.
(4) Includes financial institutions, worksite and other channels.
(5) Estimate.
Source: LIMRA’s U.S. Individual Life Insurance Sales Survey and LIMRA estimates.
PERCENT CHANGE FROM PRIOR YEAR, NET PREMIUMS WRITTEN, P/C INSURANCE, 1975-2013 (1)
(1) Excludes state funds.
Source: ISO®, a Verisk Analytics® company.
PROPERTY/CASUALTY INSURANCE COMBINED RATIO, 1975-2013 (1)
(1) Excludes state funds and other residual insurers.
Source: ISO®, a Verisk Analytics® company.
U.S. RETIREMENT ASSETS, 2009 AND 2013
($ trillions, year-end)
(1) Estimated.
Source: Investment Company Institute, The U.S. Retirement Market, Fourth Quarter 2013. www.ici.org.
AVERAGE ASSET ALLOCATION FOR ALL 401(K) PLAN BALANCES, 2012 (1)
(1) Percentages are dollar-weighted averages.
Source: Investment Company Institute, ICI Research Perspective, 19 no. 12. www.ici.org.
GROWTH IN U.S. PREMIUMS, PROPERTY/CASUALTY AND LIFE/HEALTH INSURANCE, 2004-2013
(Percent change from prior year)
(1) Net premiums written after reinsurance transactions, excludes state funds.
(2) Premiums, annuity considerations (fees for annuity contracts) and deposit-type funds for life/health insurance companies.
Source: SNL Financial LC.
U.S. PROPERTY/CASUALTY AND LIFE/HEALTH INSURANCE PREMIUMS, 2013 (1)
(1) Property/casualty: net premiums written after reinsurance transactions, excludes state funds; life/health: premiums, annuity considerations (fees for annuity contracts) and deposit-type funds.
Source: SNL Financial LC.
OPERATING RESULTS, PROPERTY/ CASUALTY INSURANCE, 2004-2013 (1)
($ billions)
(1) Excludes state funds.
(2) Net underwriting gain/loss plus net investment income.
Source: SNL Financial LC.
PERCENT CHANGE FROM PRIOR YEAR, NET PREMIUMS WRITTEN AND POLICYHOLDERS' SURPLUS, P/C INSURANCE, 2004-2013 (1)
(1) After reinsurance transactions, excludes state funds.
Source: SNL Financial LC.
INVESTMENTS, PROPERTY/CASUALTY INSURERS, 2013
(1) Cash and invested net admitted assets, as of December 31, 2013.
Source: SNL Financial LC.
DIRECTORS AND OFFICERS LIABILITY CLAIMS BY TYPE OF CLAIMANT IN THE UNITED STATES, 2004-2013 (1)
(1) Based on participants in the survey that reported one or more claims over the 10-year period.
Source: 2013 Directors and Officers Liability Survey, JLT PARK Ltd.
PREMIUMS WRITTEN BY LINE, PROPERTY/CASUALTY INSURANCE, 2013
($ billions)
(1) After reinsurance transactions, excludes state funds.
(2) Before reinsurance transactions, includes some state funds.
(3) Includes international and miscellaneous coverages.
(4) Premiums from certain insurers that write health insurance but file financial statements with state regulators on a property/casualty rather than life/health basis.
(5) Only includes nonproportional reinsurance, an arrangement in which a reinsurer makes payments to an insurer whose losses exceed a predetermined amount.
(6) Coverages protecting against legal liability resulting from negligence, carelessness or failure to act.
Source: SNL Financial LC.
WORKSITE LIFE INSURANCE SALES BY LINE OF BUSINESS, 2013
(1) Short-term and long-term disability.
Source: Eastbridge Consulting Group, Inc.
PERCENT CHANGE FROM PRIOR YEAR, NET PREMIUMS WRITTEN, PRIVATE PASSENGER AUTO INSURANCE, 2004-2013
Source: SNL Financial LC.
TOTAL AUTO PREMIUMS BY SECTOR, 2013
($ billions, net premiums written)
Source: SNL Financial LC.
AUTO SHARE OF P/C INDUSTRY, 2013
($ billions, net premiums written)
Source: SNL Financial LC.
TYPES OF DIRECTORS AND OFFICERS LIABILITY CLAIMS BY OWNERSHIP, 2004-2013 (1)
(1) Based on participants in the survey that reported one or more claims over the 10-year period.
Source: 2013 Directors and Officers Liability Survey, JLT PARK Ltd.
WORKERS COMPENSATION MEDICAL COSTS, 2004-2013
(1) Based on states where the National Council on Compensation Insurance provides ratemaking services. Represents costs for injuries that resulted in time off from work. Data for 2013 are preliminary.
Source: U.S. Bureau of Labor Statistics; ©National Council on Compensation Insurance.
GROSS SURPLUS LINES PREMIUMS WRITTEN, 2009-2013
($ billions)
Source: 2011 to 2013 premiums from Business Insurance (www.businessinsurance.com), September 15, 2014; earlier premiums from other issues.
IRA MARKET SHARES BY HOLDER, 2009 AND 2013
(Market value, end of year)
(1) Includes savings banks, commercial banks and Keogh accounts.
(2) Includes Keogh accounts.
(3) Excludes variable annuities.
Source: Board of Governors of the Federal Reserve System, June 5, 2014.
INSURANCE EXPENDITURES AS A PERCENTAGE OF TOTAL HOUSEHOLD SPENDING, 2013
Source: U.S. Department of Labor, Bureau of Labor Statistics.
CYBERCRIME COMPLAINTS, 2009-2013 (1)
(1) Based on complaints submitted to the Internet Crime Complaint Center.
Source: Internet Crime Complaint Center.
Number Of Data Compromises (1) And Victim Notices Issued (2), 2015-2024
SALES OF INDIVIDUAL ANNUITIES BY DISTRIBUTION CHANNELS, 2009 AND 2013
Source: U.S. Individual Annuity Yearbook - 2013, LIMRA Secure Retirement Institute.
MARKET SHARE TRENDS BY SIZE OF INSURER, 1993-2013 (1)
(1) Based on net premiums written. Excludes state funds and other residual market carriers.
Source: ISO, a Verisk Analytics company.
FIRE LOSSES IN THE UNITED STATES, BY LINE OF INSURANCE, 2013 (1)
(1) Estimated. Includes FAIR plan and uninsured losses.
Source: ISO, a Verisk Analytics business.
NATIONAL HEALTH EXPENDITURES, AVERAGE ANNUAL PERCENT GROWTH FROM PRIOR YEAR, 1993-2017
(1) Average annual growth from 1970 through 1993; marks the beginning of the shift to managed care.
(2) Projected.
Source: Centers for Medicare and Medicaid Services, Office of the Actuary.
LOSS DISTRIBUTION BY TYPE OF INSURANCE FROM SEPTEMBER 11 TERRORIST ATTACK (1)
($ 2013 billions)
(1) Adjusted to 2013 dollars by the Insurance Information Institute using the U.S. Department of Labor BLS Calculator.
(2) Loss total does not include March 2010 New York City settlement of up to $657.5 million to compensate approximately 10,000 Ground Zero workers or any subsequent settlements.
Source: Insurance Information Institute.
WORLD NATURAL CATASTROPHE LOSSES, FIRST HALF 2015
Source: © 2015 Munich Re, Geo Risks Research, NatCatSERVICE. As of June 2015.
WORLD NATURAL CATASTROPHES, FIRST HALF 2015
Source: © 2015 Munich Re, Geo Risks Research, NatCatSERVICE. As of June 2015.
TOP FIVE LARGEST NATURAL CATASTROPHES OF FIRST HALF 2015 BY INSURED LOSSES
($ millions)
* Data based on information from PCS.
Source: © 2015 Munich Re, Geo Risks Research, NatCatSERVICE. As of June 2015.
COSTLIEST NATURAL CATASTROPHES SINCE 1980
($ millions)
Source: © 2015 Munich Re, Geo Risks Research, NatCatSERVICE. As of June 2015.
WORLD NATURAL CATASTROPHE LOSSES, 1980–2014
(Overall and insured losses)
Source: © 2015 Munich Re, Geo Risks Research, NatCatSERVICE. As of January 2015.
WORLD NATURAL CATASTROPHES, 1980–2014
(Number of events)
Source: © 2015 Munich Re, Geo Risks Research, NatCatSERVICE. As of January 2015.
TOP FIVE LARGEST NATURAL CATASTROPHES OF 2014 BY OVERALL LOSSES
($ millions)
*U.S. losses from Property Claim Services.
**Time period for several severe storm events.
Source: © 2015 Munich Re, Geo Risks Research, NatCatSERVICE. As of January 2015.
Top Five Largest Natural Catastrophes Of 2015 By Losses
*U.S. losses from Property Claim Services.
Source: © 2016 Munich Re, Geo Risks Research, NatCatSERVICE. As of January 2016.
TOP FIVE LARGEST NATURAL CATASTROPHES OF 2014 BY NUMBER OF FATALITIES
Source: © 2015 Munich Re, Geo Risks Research, NatCatSERVICE. As of January 2015.
U.S. CONVECTIVE LOSS EVENTS, 1980-FIRST HALF 2015
(2014 $ billions)
Source: 2015 Munich Re, NatCatSERVICE; Property Claim Services (PCS), a Verisk Analytics business. As of June 2015.
U.S. WINTER STORM LOSS TRENDS, 1980-2014
(2014 $ billions)
Source: 2015 Munich Re, NatCatSERVICE, as of January 2015.
Overall And Insured Losses From Winter Storms In The United States, 1980-2019
(2019 $ billions)
Source: © 2020 Munich Re, Geo Risks Research, NatCatSERVICE. As of June 2020.
NATURAL CATASTROPHE LOSSES IN THE UNITED STATES, 1980-FIRST HALF 2015
(Overall and insured losses)
Source: © 2015 Munich Re, NatCatSERVICE; Property Claim Services (PCS), a Verisk Analytics business. As of January 2015.
NUMBER OF NATURAL DISASTERS IN THE UNITED STATES, 1980–FIRST HALF 2015
(Number of events)
Source: © 2015 Munich Re, NatCatSERVICE. As of June 2015.
U.S. TORNADO COUNT, FIRST HALF 2015
© 2015 Munich Re, NatCatSERVICE; NOAA. As of June 2015.
EMPLOYMENT PRACTICES LIABILITY, BY DEFENDANT TYPE, 2007-2013 (1)
(1) Based on plaintiff and defendant verdicts rendered.
Source: Reprinted with permission of Thomson Reuters, Employment Practice Liability: Jury Award Trends And Statistics, 2014 edition.
CATASTROPHE BONDS, ANNUAL RISK CAPITAL ISSUED, 2005-2014
($ billions)
Source: GC Securities, a division of MMC Securities Corp., a U.S. registered broker-dealer, member FINRA/SIPC, and Guy Carpenter.
CATASTROPHE BONDS, RISK CAPITAL OUTSTANDING, 2005-2014
($ billions)
Source: GC Securities, a division of MMC Securities Corp., a U.S. registered broker-dealer, member FINRA/SIPC, and Guy Carpenter.
NATURAL DISASTER LOSSES IN THE UNITED STATES, FIRST HALF 2015
Source: © 2015 Munich Re, NatCatSERVICE. As of June 2015.
NATURAL DISASTER LOSSES IN THE UNITED STATES, 2005-2014
(1) Includes hail, lightning, and tornado.
(2) Includes winter storm, winter damage, cold wave, and blizzards.
(3) Includes river flood, and flash flood. Exclude flood damage losses caused by tropical cyclone and hurricane.
(4) Includes flooding caused by hurricane, tropical cyclone. Includes loss information from National Flood Insurance Program.
Source: © 2015 Munich Re, NatCatSERVICE. As of January 2015.
SIGNIFICANT NATURAL CATASTROPHES IN THE UNITED STATES, 2014
Source: © 2015 Munich Re, NatCatSERVICE. As of January 2015.
PERCENT OF FEMALE WORKERS IN THE U.S. WORKFORCE AND SELECTED INSURANCE OCCUPATIONS, 2014
Source: U.S. Bureau of Labor Statistics, Current Population Survey.
THE NATION'S HEALTHCARE DOLLAR: WHERE IT CAME FROM, 2013 (1)
(1) Sum of components does not add to 100 percent due to rounding.
(2) Includes co-payments, deductibles, and any amounts not covered by health insurance.
(3) Department of Veterans Affairs, Department of Defense and Children's Health Insurance Program.
Source: Centers for Medicare and Medicaid Services, Office of the Actuary, National Health Statistics Group.
HOMEOWNERS LOSSES RANKED BY CLAIMS SEVERITY (AVERAGE CLAIM), 2009-2013 (1)
(Weighted average, 2009-2013)
(1) For homeowners multiple peril policies. Excludes tenants and condominium owners policies. Accident year incurred losses, excluding loss adjustment expenses, i.e., indemnity costs per accident year incurred claims. Excludes Alaska and Texas.
(2) Includes vandalism and malicious mischief.
(3) Includes coverage for unauthorized use of various cards, forgery, counterfeit money and losses not otherwise classified.
Source: ISO®, a Verisk Analytics® business.
HOMEOWNERS LOSSES RANKED BY CLAIMS FREQUENCY, 2009-2013 (1)
(Weighted average, 2009-2013)
(1) Claims per 100 house years (policies). For homeowners multiple peril policies. Excludes tenants and condominium owners policies. Excludes Alaska and Texas.
(2) Includes vandalism and malicious mischief.
(3) Includes coverage for unauthorized use of various cards, forgery, counterfeit money and losses not otherwise classified.
Source: ISO®, a Verisk Analytics® business.
NUMBER OF DATA BREACHES AND RECORDS EXPOSED, 2005-2015
(1) As of June 30, 2015.
Source: Identity Theft Resource Center.
LOSS DISTRIBUTION BY TYPE OF INSURANCE FROM SEPTEMBER 11 TERRORIST ATTACK (1)
($ 2014 billions)
(1) Adjusted to 2014 dollars by the Insurance Information Institute using the U.S. Department of Labor BLS Calculator.
(2) Loss total does not include March 2010 New York City settlement of up to $657.5 million to compensate approximately 10,000 Ground Zero workers or any subsequent settlements.
Source: Insurance Information Institute.
WILDFIRE LOSSES IN THE UNITED STATES, 2005-2014 (1)
(2014 $ millions)
(1) Adjusted for inflation.
Source: © 2015 Munich Re, Geo Risks Research, NatCatSERVICE.
FLOOD INSURANCE POLICIES IN FORCE BY OCCUPANCY TYPE, 2014 (1)
(1) As of October 2014.
Source: Federal Emergency Management Agency (FEMA).
DRIVER HAND-HELD CELLPHONE USE BY AGE, 2004-2013 (1)
(1) Percent of drivers using hand-held cellphones.
Source: U.S. Department of Transportation, National Highway Traffic Safety Administration.
LIGHTNING FATALITIES BY STATE, 2014
Source: U.S. Department of Commerce, National Oceanic and Atmospheric Administration, National Weather Service.
MOTOR VEHICLE DEATHS PER 100,000 PERSONS BY AGE, 2013
Source: Insurance Institute for Highway Safety.
INSURANCE BUSINESS IN THE U.S. WRITTEN BY SUBSIDIARIES OF FOREIGN CONTROLLED COMPANIES, 2013
($ billions)
Source: Organization for Economic Cooperation and Development.
PRINCIPAL TYPES OF HOME UNINTENTIONAL INJURY DEATHS, 2013
(1) Inhalation and ingestion of food or other object that obstructs breathing.
Source: National Safety Council. (2015). Injury Facts®, 2015 Edition. Itasca, IL.
WORLD NATURAL CATASTROPHE LOSSES, 2015
Source: © 2016 Munich Re, Geo Risks Research, NatCatSERVICE. As of January 2016.
WORLD NATURAL CATASTROPHE LOSSES, 1980–2015
(Overall and insured losses)
Source: © 2016 Munich Re, Geo Risks Research, NatCatSERVICE. As of January 2016.
WORLD NATURAL CATASTROPHES, 1980–2015
(Number of events)
Source: © 2016 Munich Re, Geo Risks Research, NatCatSERVICE. As of January 2016.
NUMBER OF NATURAL DISASTERS IN THE UNITED STATES, 1980–2015
(Number of events)
Source: © 2016 Munich Re, NatCatSERVICE. As of January 2016.
NATURAL CATASTROPHE LOSSES IN THE UNITED STATES, 1980-2015
(Overall and insured losses, 2015 $billions)
Source: © 2016 Munich Re, NatCatSERVICE; Property Claim Services (PCS), a Verisk Analytics business. As of January 2016.
MOTOR VEHICLE DEATHS BY ACTIVITY OF PERSON KILLED, 2013
(1) Includes other non-occupants.
Source: U.S. Department of Transportation, National Highway Traffic Safety Administration.
INDIVIDUAL IMMEDIATE ANNUITY SALES, 2010-2014 (1)
($ billions)
(1) Includes variable individual annuities sales which were less than $0.1 billion.
(2) Single premium contracts bought by property/casualty insurers to distribute awards in personal injury or wrongful death lawsuits over a period of time, rather than as lump sums.
Source: LIMRA.
Catastrophe Bonds, Risk Capital Outstanding And Annual Issued, 2009-2018
(US$ billions)
Source: GC Securities, a division of MMC Securities Corp., a registered broker-dealer, member FINRA/SIPC, and Guy Carpenter.
LIFE INDIVIDUAL MARKET SHARE BY DISTRIBUTION CHANNEL, 2005-2014
(Based on first year collected premiums)
(1) Includes brokers, stockbrokers and personal producing general agents.
(2) Includes career, multiline exclusive and home service agents.
(3) No producers are involved. Excludes direct marketing efforts involving agents.
(4) Includes financial institutions, worksite and other channels.
Source: LIMRA’s U.S. Individual Life Insurance Sales Survey and LIMRA estimates.
MUTUAL FUND RETIREMENT ASSETS BY TYPE OF PLAN, 2014 (1)
($ billions, end of year)
(1) Preliminary data. Excludes defined benefit plans.
Source: Investment Company Institute, Investment Company Fact Book 2015. www.ici.org.
DEFERRED ANNUITY ASSETS, 2005-2014
($ billions, end of year)
(1) Not reported before 2010.
Source: LIMRA.
RETIREMENT FUNDS ASSET MIX, 2014
Source: Board of Governors of the Federal Reserve System, June 11, 2015.
AVERAGE ASSET ALLOCATION FOR ALL 401(K) PLAN BALANCES, 2013 (1)
(1) Percentages are dollar-weighted averages.
Source: Investment Company Institute, ICI Research Perspective, Vol. 20 no. 10. www.ici.org.
TOP THREE STATES BY INFLATION-ADJUSTED INSURED CATASTROPHE LOSSES, 1985-2014 (1)
(2014 $ billions)
(1) Adjusted for inflation through 2014 by ISO using the GDP implicit price deflator. Excludes catastrophes causing direct losses less than $25 million in 1997 dollars. Excludes flood damage covered by the federally administered National Flood Insurance Program.
(2) Includes the other 47 states plus Washington, D.C., Puerto Rico, and the U.S. Virgin Islands.
Source: Property Claim Services (PCS®), a Verisk Analytics® business.
WORLD LIFE AND NONLIFE INSURANCE DIRECT PREMIUMS WRITTEN, 2014
( $ billions)
Source: Swiss Re, sigma, No. 4/2015.
U.S. RETIREMENT ASSETS, 2010 AND 2014
($ trillions, year-end)
(1) Estimated.
Source: Investment Company Institute, The U.S. Retirement Market, First Quarter 2015. www.ici.org.
IRA MARKET SHARES BY HOLDER, 2010 AND 2014
(Market value, end of year)
(1) Includes savings banks, commercial banks and Keogh accounts.
(2) Includes Keogh accounts.
(3) Excludes variable annuities.
Source: Board of Governors of the Federal Reserve System, June 11, 2015.
INFLATION-ADJUSTED U.S. INSURED CATASTROPHE LOSSES BY CAUSE OF LOSS, 1995-2014 (1)
(2014 $ billions)
(1) Adjusted for inflation through 2014 by ISO using the GDP implicit price deflator. Excludes catastrophes causing direct losses less than $25 million in 1997 dollars. Excludes flood damage covered by the federally administered National Flood Insurance Program.
(2) Includes other wind, hail, and/or flood losses associated with catastrophes involving tornadoes.
(3) Includes wildland fires.
(4) Includes losses from civil disorders, water damage, utility service disruptions, and any workers compensation catastrophes generating losses in excess of PCS's threshold after adjusting for inflation.
Source: Property Claim Services (PCS®), a Verisk Analytics® business.
OPERATING RESULTS, PROPERTY/ CASUALTY INSURANCE, 2005-2014 (1)
($ billions)
(1) Excludes state funds.
(2) Net underwriting gain/loss plus net investment income.
Source: SNL Financial LC.
U.S. PROPERTY/CASUALTY AND LIFE/HEALTH INSURANCE PREMIUMS, 2014 (1)
(1) Property/casualty: net premiums written after reinsurance transactions, excludes state funds; life/health: premiums, annuity considerations (fees for annuity contracts) and deposit-type funds.
Source: SNL Financial LC.
GROWTH IN U.S. PREMIUMS, PROPERTY/CASUALTY AND LIFE/HEALTH INSURANCE, 2005-2014
(Percent change from prior year)
(1) Net premiums written after reinsurance transactions, excludes state funds.
(2) Premiums and annuity considerations (fees for annuity contracts) for life/health insurance companies.
Source: SNL Financial LC.
PERCENT CHANGE FROM PRIOR YEAR, NET PREMIUMS WRITTEN, PRIVATE PASSENGER AUTO INSURANCE, 2005-2014
Source: SNL Financial LC.
World Natural Catastrophe Losses, 2015
Source: © 2016 Munich Re, Geo Risks Research, NatCatSERVICE. As of March 2016.
World Natural Catastrophes, 1980–2015
(Number of events)
Source: © 2016 Munich Re, Geo Risks Research, NatCatSERVICE. As of March 2016.
Natural Catastrophe Losses In The United States, First Half 2016
Source: © 2016 Munich Re, NatCatSERVICE; Property Claim Services (PCS®)*, a Verisk Analytics® business. As of July 2016.
NATURAL CATASTROPHE LOSSES IN THE UNITED STATES, 2015
(Based on perils)
Source: © 2016 Munich Re, NatCatSERVICE; Property Claim Services (PCS®)*, a Verisk Analytics® business. As of February 2016.
NATURAL CATASTROPHE LOSSES IN THE UNITED STATES, FIRST QUARTER 1980-2015
(Overall and insured losses, 2015 $billions)
Source: © 2016 Munich Re, NatCatSERVICE; Property Claim Services (PCS), a Verisk Analytics business. As of March 2016.
Natural Catastrophe Losses In The United States, First Half 1980-2016
(Overall losses: nominal, inflation adjusted and normalized)
Source: © 2016 Munich Re, NatCatSERVICE; Property Claim Services (PCS), a Verisk Analytics business. As of July 2016.
Natural Catastrophe Losses In The United States, First Half 1980-2016
(Overall losses: nominal, inflationadjusted, and normalized, $billions)
Source: © 2016 Munich Re, NatCatSERVICE; Property Claim Services (PCS®)*, a Verisk Analytics® business. As of July 2016.
NUMBER OF NATURAL DISASTERS IN THE UNITED STATES, FIRST QUARTER 1980–2015
(Number of events)
Source: © 2016 Munich Re, NatCatSERVICE. As of March 2016.
PERCENT CHANGE FROM PRIOR YEAR, NET PREMIUMS WRITTEN, P/C INSURANCE, 1975-2014 (1)
(1) Excludes state funds and other residual market insurers.
(2) Adjusted for inflation by ISO using the GDP implicit price deflator.
Source: ISO®, a Verisk Analytics® business.
PROPERTY/CASUALTY INSURANCE COMBINED RATIO, 1975-2014 (1)
(1) Excludes state funds and other residual insurers.
Source: ISO®, a Verisk Analytics® business.
WORKERS COMPENSATION MEDICAL COSTS, 2005-2014
(1) Based on states where the National Council on Compensation Insurance provides ratemaking services. Represents costs for injuries that resulted in time off from work. Data for 2014 are preliminary.
Source: U.S. Bureau of Labor Statistics; ©National Council on Compensation Insurance.
TOTAL AUTO PREMIUMS BY SECTOR, 2014
($ billions, net premiums written)
Source: SNL Financial LC.
AUTO SHARE OF P/C INDUSTRY, 2014
($ billions, net premiums written)
Source: SNL Financial LC.
INVESTMENTS, LIFE/HEALTH INSURERS, BOND PORTFOLIO, 2014 (1)
(1) Long-term bonds with maturity dates over one year, as of December 31, 2014.
Source: SNL Financial LC.
PERCENT CHANGE FROM PRIOR YEAR, NET PREMIUMS WRITTEN AND POLICYHOLDERS' SURPLUS, P/C INSURANCE, 2005-2014 (1)
(1) After reinsurance transactions, excludes state funds.
Source: SNL Financial LC.
INVESTMENTS, PROPERTY/CASUALTY INSURERS, 2014
(1) Cash and invested net admitted assets, as of December 31, 2014.
(2) Includes mortgage loans on real estate.
Source: SNL Financial LC.
PREMIUMS WRITTEN BY LINE, PROPERTY/CASUALTY INSURANCE, 2014
($ billions)
(1) After reinsurance transactions, excludes state funds.
(2) Before reinsurance transactions; includes some state funds.
(3) Includes international and miscellaneous coverages.
(4) Includes federally sponsored multiple peril crop and private market crop-hail.
(5) Premiums from certain insurers that write health insurance but file financial statements with state regulators on a property/casualty rather than life/health basis.
(6) Only includes nonproportional reinsurance, an arrangement in which a reinsurer makes payments to an insurer whose losses exceed a predetermined amount.
(7) Coverages protecting against legal liability resulting from negligence, carelessness or failure to act.
Source: SNL Financial LC.
National Health Expenditures, Average Annual Percent Growth From Prior Year, 1993-2018
(1) Average annual growth from 1970 through 1993; marks the beginning of the shift to managed care.
(2) Projected.
Source: Centers for Medicare and Medicaid Services, Office of the Actuary.
SALES OF INDIVIDUAL ANNUITIES BY DISTRIBUTION CHANNELS, 2010 AND 2014
Source: U.S. Individual Annuity Yearbook - 2014, LIMRA Secure Retirement Institute.
Total Insurance Premiums, Emerging Markets, 2023 (1)
(US$ millions)
(1) Includes life and nonlife insurance premiums.
Source: Insurance Information Institute using data from Swiss Re, sigma, No. 3/2024.
U.S. Retirement Assets, By Type, 2011-2020
($ trillions, end of year)
(1) Includes defined contribution plans, private defined benefit plans, and state and local and federal pension plans.
Source: Investment Company Institute. 2021. 2021 Investment Company Fact Book: A Review of Trends and Activities in the U.S. Investment Company Industry. Washington, D.C. Investment Company Institute. www.icifactbook.org.
Cybercrime Complaints, 2010-2014 (1)
(1) Based on complaints submitted to the Internet Crime Complaint Center.
Source: Internet Crime Complaint Center.
Identity Theft And Fraud Complaints, 2012-2014 (1)
(1) Percentages are based on the total number of Consumer Sentinel Network complaints by calendar year. These figures exclude "Do Not Call" registry complaints.
Source: Federal Trade Commission.
Fire Losses In The United States, By Line Of Insurance, 2014 (1)
(1) Estimated. Includes FAIR plan and uninsured losses.
Source: ISO®, a Verisk Analytics® business.
Driver Hand-Held Cellphone Use By Age, 2005-2014 (1)
(1) Percent of drivers using hand-held cellphones.
Source: U.S. Department of Transportation, National Highway Traffic Safety Administration.
Median And Average Personal Injury Jury Awards By Type Of Liability, 2013
(1) Represents the midpoint jury award. Half of the awards are above the median and half are below.
Source: Reprinted with permission of Thomson Reuters, Current Award Trends in Personal Injury, 54th edition.
Payment Attributable To Fraud In Auto Insurance Bodily Injury Claims, 2002-2012 (1)
($ billions)
(1) Portion of paid claim dollars attributable to fraud or buildup among auto insurance bodily injury coverages: bodily injury, personal injury protection, medical payments, uninsured motorists and underinsured motorists.
Source: Insurance Research Council.
Insurance Expenditures As A Percentage Of Total Household Spending, 2014
Source: U.S. Department of Labor, Bureau of Labor Statistics.
Surplus Lines Gross Premiums Written, 2010-2014
($ billions)
Source: 2012 to 2014 premiums from Business Insurance (www.businessinsurance.com), August 31, 2015; earlier premiums from other issues.
Natural Catastrophe Losses In The United States, First Half 2016
(Based on perils)
Source: © 2016 Munich Re, NatCatSERVICE; Property Claim Services (PCS®)*, a Verisk Analytics® business. As of July 2016.
Market Share Trends By Size Of Insurer, 1994-2014 (1)
(1) Based on net premiums written. Excludes state funds and other residual market carriers.
Source: ISO®, a Verisk Analytics® business.
OVERALL AND INSURED LOSSES FROM WINTER STORMS IN THE UNITED STATES, 1980-2015
(2015 $ billions)
Source: © 2016 Munich Re, NatCatSERVICE; Property Claim Services (PCS), a Verisk Analytics business. As of January 2016.
World Natural Catastrophe Losses First Half, 2016
Source: © 2016 Munich Re, NatCatSERVICE; *Property Claim Services (PCS®), a Verisk Analytics® business, **Catastrophe Indices and Quantification Inc. (CatIQ Inc) www.catiq.com. As of July 2016.
U.S. WINTER STORM LOSS TRENDS, 1980-2015
(2015 $ billions)
Source: © 2016 Munich Re, NatCatSERVICE, as of January 2016.
World Natural Catastrophe Losses, 2016
Source: © 2017 Munich Re, NatCatSERVICE; *Property Claim Services (PCS®), a Verisk Analytics® business, **Catastrophe Indices and Quantification Inc. (CatIQ Inc) www.catiq.com. As of February 2017.
World Natural Catastrophe Losses, 2020
Source: © 2021 Munich Re, NatCatSERVICE. As of January 2021.
World Natural Catastrophes By Type Of Event, 2018
(Percentage distribution)
Source: © 2019 Munich Re, Geo Risks Research, NatCatSERVICE. As of March 2019.
World Natural Catastrophes By Continent, 2018
(Percentage distribution)
Source: © 2019 Munich Re, Geo Risks Research, NatCatSERVICE. As of March 2019.
World Weather-Related Catastrophes By Type Of Event, 2018
(Percentage distribution)
Source: © 2019 Munich Re, Geo Risks Research, NatCatSERVICE. As of March 2019.
World Weather-Related Natural Catastrophes By Continent, 2018
(Percentage distribution)
Source: © 2019 Munich Re, Geo Risks Research, NatCatSERVICE. As of March 2019.
Costliest Natural Catastrophes Since 1980
($ millions)
Source: © 2016 Munich Re, Geo Risks Research, NatCatSERVICE. As of January 2016.
Top Five World Costliest Natural Catastrophes By Insured Losses, 2020
Source: © 2021 Munich Re, Geo Risks Research, NatCatSERVICE. As of January 2021.
Top Five World Natural Catastrophes By Fatalities, 2020
Source: © 2021 Munich Re, Geo Risks Research, NatCatSERVICE. As of January 2021.
World Natural Catastrophe Losses, 1980–2015
(Overall and insured losses)
Source: © 2016 Munich Re, Geo Risks Research, NatCatSERVICE. As of March 2016.
World Weather-Related Natural Catastrophes By Overall And Insured Losses, 1980-2018
Source: © 2019 Munich Re, Geo Risks Research, NatCatSERVICE. As of March 2019.
World Natural Catastrophes, 1980–First Half 2016
(Number of events)
Source: © 2016 Munich Re, Geo Risks Research, NatCatSERVICE. As of July 2016.
World Natural Catastrophes By Type Of Event, 1980-2016
(Percentage distribution)
Source: © 2017 Munich Re, Geo Risks Research, NatCatSERVICE. As of February 2017.
World Natural Catastrophes By Continent, 1980-2016
(Percentage distribution)
Source: © 2017 Munich Re, Geo Risks Research, NatCatSERVICE. As of February 2017.
World Weather-Related Natural Catastrophes By Type Of Event, 1980-2016
(Percentage distribution)
Source: © 2017 Munich Re, Geo Risks Research, NatCatSERVICE. As of February 2017.
World Weather-Related Natural Catastrophes By Continent, 1980-2016
(Percentage distribution)
Source: © 2017 Munich Re, Geo Risks Research, NatCatSERVICE. As of February 2017.
World Weather-Related Natural Catastrophes By Peril, 1980-2018
(Number of relevant events by peril)
Source: © 2019 Munich Re, Geo Risks Research, NatCatSERVICE. As of March 2019.
Number Of Data Breaches And Records Exposed, 2006-2016
(1) As of September 27, 2016.
Source: Identity Theft Resource Center.
Percentage Of African American, Asian And Hispanic Or Latino Workers, 2016
Source: U.S. Bureau of Labor Statistics. https://www.bls.gov/cps/cpsaat11.htm
Loss Events in the U.S., 1980-2018
(Number of relevant events by peril)
Source: © 2019 Munich Re, Geo Risks Research, NatCatSERVICE. As of March 2019.
Loss Events in the U.S., 1980-2018
(Overall and insured losses)
Source: © 2019 Munich Re, Geo Risks Research, NatCatSERVICE. As of March 2019.
Loss Events in the U.S., 1980-2018
(Overall losses: nominal, inflation adjusted, and normalized)
Source: © 2019 Munich Re, Geo Risks Research, NatCatSERVICE. As of March 2019.
Convective Storm Events* in the U.S., 1980-2018
(Overall and insured losses)
Source: © 2019 Munich Re, Geo Risks Research, NatCatSERVICE. As of March 2019.
Convective Storm Events* in the U.S., 1980-2018
(Overall losses: nominal, inflation adjusted, and normalized)
Source: © 2019 Munich Re, Geo Risks Research, NatCatSERVICE. As of March 2019.
Tropical Storms and Hurricanes in the U.S., 1980-2018
(Insured property losses per state)
Source: © 2019 Munich Re, Geo Risks Research, NatCatSERVICE. As of March 2019.
Tropical storms and hurricanes in the North Atlantic, 1980-2015
(Number of relevant events)
Source: © 2016 Munich Re, Geo Risks Research, NatCatSERVICE. As of July 2016.
Tropical storms and hurricanes in the North Atlantic, 1980-2015
(Overall and insured losses)
Source: © 2016 Munich Re, Geo Risks Research, NatCatSERVICE. As of July 2016.
Tropical storms and hurricanes in the North Atlantic, 1980-2015
(Insured losses)
Source: © 2016 Munich Re, Geo Risks Research, NatCatSERVICE. As of July 2016.
Tropical Storms and Hurricanes in the U.S., 1980-2018
(Overall losses: nominal, inflation adjusted, and normalized)
Source: © 2019 Munich Re, Geo Risks Research, NatCatSERVICE. As of March 2019.
Motor Vehicle Deaths Per 100,000 Persons By Age, 2014
Source: Insurance Institute for Highway Safety.
Operating Results, Property/Casualty Insurance, 2006-2015 (1)
($ billions)
(1) Excludes state funds.
(2) Net underwriting gain/loss plus net investment income.
Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.
The Nation's Healthcare Dollar: Where It Came From, 2014 (1)
(1) Sum of components may not add to 100 percent due to rounding.
(2) Includes co-payments, deductibles, and any amounts not covered by health insurance.
(3) Department of Veterans Affairs, Department of Defense and Children's Health Insurance Program.
Source: Centers for Medicare and Medicaid Services, Office of the Actuary, National Health Statistics Group.
Number Of Tornadoes And Related Deaths Per Month, 2015 (1)
(1) Excludes Puerto Rico. A tornado that crosses state lines is counted as a single event in this chart.
Source: U.S. Department of Commerce, Storm Prediction Center, National Weather Service.
Catastrophe Bonds, Risk Capital Outstanding And Annual Issued, 2006-2015
(US$ billions)
Source: GC Securities, a division of MMC Securities Corp., a registered broker-dealer, member FINRA/SIPC and Guy Carpenter.
LIGHTNING FATALITIES BY STATE, 2015
Source: U.S. Department of Commerce, National Oceanic and Atmospheric Administration, National Weather Service.
PERCENT OF FEMALE WORKERS IN THE U.S. WORKFORCE AND SELECTED INSURANCE OCCUPATIONS, 2015
Source: U.S. Bureau of Labor Statistics, Current Population Survey.
U.S. TORNADO COUNT, 2015
Source: U.S. Department of Commerce, National Oceanic and Atmospheric Administration, National Weather Service.
Motor Vehicle Deaths By Activity Of Person Killed, 2014
(1) Includes other non-occupants.
Source: U.S. Department of Transportation, National Highway Traffic Safety Administration.
Principal Types Of Home Unintentional Injury Deaths, 2014
(1) Inhalation and ingestion of food or other object that obstructs breathing.
Source: National Safety Council. (2016). Injury Facts®, 2016 Edition. Itasca, IL.
Number of Drug Overdose Deaths, 2003-2023
U.S. Retirement Assets, By Type, 2006-2015
($ trillions, end of year)
(1) Includes defined contribution plans, private defined benefits plans, state and local and federal pension plans.
Source: 2016 Investment Company Fact Book: A Review of Trends and Activities in the U.S. Investment Company Industry, Investment Company Institute.
U.S. Retirement Assets, 2011 And 2015
($ trillions, year-end)
(1) Estimated.
Source: Investment Company Institute. "The U.S. Retirement Market, First Quarter 2016." www.ici.org.
Inflation-Adjusted U.S. Insured Catastrophe Losses By Cause Of Loss, 1996-2015 (1)
(2015 $ billions)
(1) Adjusted for inflation through 2015 by ISO using the GDP implicit price deflator. Excludes catastrophes causing direct losses less than $25 million in 1997 dollars. Excludes flood damage covered by the federally administered National Flood Insurance Program.
(2) Includes other wind, hail, and/or flood losses associated with catastrophes involving tornadoes.
(3) Includes wildland fires.
(4) Includes losses from civil disorders, water damage, utility service disruptions, and any workers compensation catastrophes generating losses in excess of PCS's threshold after adjusting for inflation.
Source: Property Claim Services (PCS®), a Verisk Analytics® business.
Mutual Fund Retirement Assets By Type Of Plan, 2015 (1)
($ billions, end of year)
(1) Preliminary data. Excludes defined benefit plans.
Source: Investment Company Institute, 2016 Investment Company Fact Book. www.ici.org.
Total Insurance Premiums, Emerging Markets, 2015 (1)
(US$ billions, end of year)
(1) Includes life and nonlife insurance premiums.
Source: Insurance Information Institute using data from Swiss Re, sigma, No. 3/2016.
Retirement Funds Asset Mix, 2015
Source: Board of Governors of the Federal Reserve System, June 9, 2016.
National Health Expenditures, Average Annual Percent Growth From Prior Year, 1993-2019
(1) Average annual growth from 1970 through 1993; marks the beginning of the shift to managed care.
(2) Projected.
Source: Centers for Medicare and Medicaid Services, Office of the Actuary.
Life Individual Market Share By Distribution Channel, 2006-2015
(Based on first year collected premiums)
(1) Includes brokers, stockbrokers and personal producing general agents.
(2) Includes career, multiline exclusive and home service agents.
(3) No producers are involved. Excludes direct marketing efforts involving agents.
(4) Includes financial institutions, worksite and other channels.
Source: LIMRA’s U.S. Individual Life Insurance Sales Survey and LIMRA estimates.
Deferred Annuity Assets, 2006-2015
($ billions, end of year)
(1) Not reported before 2010.
Source: LIMRA Secure Retirement Institute.
Individual Immediate Annuity Sales, 2011-2015 (1)
($ billions)
(1) Includes variable individual annuities sales which were less than $0.1 billion.
(2) Single premium contracts bought by property/casualty insurers to distribute awards in personal injury or wrongful death lawsuits over a period of time, rather than as lump sums.
Source: LIMRA Secure Retirement Institute.
IRA Market Shares By Holder, 2011 And 2015
(Market value, end of year)
(1) Excludes variable annuities.
(2) Includes Keogh accounts.
(3) Includes savings banks, commercial banks and Keogh accounts.
Source: Board of Governors of the Federal Reserve System, June 9, 2016.
Employment Practices Liability, By Defendant Type, 2008-2014 (1)
(1) Based on plaintiff and defendant verdicts rendered.
Source: Reprinted with permission of Thomson Reuters, Employment Practice Liability: Jury Award Trends And Statistics, 2015 edition.
Growth In U.S. Premiums, Property/Casualty And Life/Health Insurance, 2006-2015
(Percent change from prior year)
(1) Net premiums written after reinsurance transactions, excludes state funds.
(2) Premiums and annuity considerations (fees for annuity contracts) for life/health insurance companies.
Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.
U.S. P/C And L/H Insurance Premiums, 2015
($ billions)
Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.
Property/Casualty And Life/Health Insurance Premiums, 2015 (1)
($ billions)
(1) Property/casualty: net premiums written after reinsurance transactions, excludes state funds; life/health: premiums, annuity considerations (fees for annuity contracts) and deposit-type funds.
Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.
Investments, Life/Health Insurers, Bond Portfolio, 2015 (1)
(1) Long-term bonds with maturity dates over one year, as of December 31, 2015.
Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.
Percent Change From Prior Year, Net Premiums Written, P/C Insurance, 1975-2015 (1)
(1) Excludes state funds and other residual market insurers.
(2) Adjusted for inflation by ISO using the GDP implicit price deflator.
Source: ISO®, a Verisk Analytics® business.
Identity Theft And Fraud Complaints, 2012-2015 (1)
(1) Percentages are based on the total number of Consumer Sentinel Network complaints by calendar year. These figures exclude "Do Not Call" registry complaints.
Source: Federal Trade Commission, Consumer Sentinel Network.
Insurance Expenditures As A Percentage Of Total Household Spending, 2015
Note: Percentages do not add up to 100 percent due to rounding.
Source: U.S. Department of Labor, Bureau of Labor Statistics.
Average Asset Allocation For All 401(k) Plan Balances, 2014 (1)
(1) Percentages are dollar-weighted averages.
Source: Investment Company Institute, Holden, Sarah, Jack VanDerhei, Luis Alonso, and Steven Bass. 2017. “401(k) Plan Asset Allocation, Account Balances, and Loan Activity in 2015.” ICI Research Perspective 23, no. 6 (August). www.ici.org/pdf/per23-06.pdf.
Median And Average Personal Injury Jury Awards By Type Of Liability, 2014
(1) Represents the midpoint jury award. Half of the awards are above the median and half are below.
Source: Reprinted with permission of Thomson Reuters, Current Award Trends in Personal Injury, 55th edition.
Driver Hand-Held Cellphone Use By Age, 2006-2015 (1)
(1) Percent of drivers using hand-held cellphones.
Source: U.S. Department of Transportation, National Highway Traffic Safety Administration.
Nonadmitted Direct Premiums Written For The Top 10 U.S. Surplus Lines Writers, 2011-2015 (1)
($ billions)
(1) Excludes premiums of Lloyd’s of London syndicates.
Source: Business Insurance (www.businessinsurance.com), October 2016.
Investments, Property/Casualty Insurers, 2015
(1) Cash and invested net admitted assets, as of December 31, 2015.
(2) Includes mortgage loans on real estate.
Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.
Property/Casualty Insurance Combined Ratio, 1975-2015 (1)
(1) Excludes state funds and other residual insurers.
Source: ISO®, a Verisk Analytics® business.
Percent Change From Prior Year, Net Premiums Written And Policyholders' Surplus, P/C Insurance, 2006-2015 (1)
(1) After reinsurance transactions, excludes state funds.
Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.
Percent Change From Prior Year, Net Premiums Written, Private Passenger Auto Insurance, 2006-2015
Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.
Total Auto Net Premiums Written By Sector, 2015
($ billions)
Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.
Auto Share Of P/C Industry Net Premiums Written, 2015
($ billions, net premiums written)
Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.
Operating Results, Property/Casualty Insurance, 2006-2015 (1)
($ billions)
(1) Excludes state funds.
(2) Net underwriting gain/loss plus net investment income.
Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.
Net Premiums Written, Personal And Commercial Lines, 2015
($ billions)
Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.
Homeowners Premiums As A Percent Of All P/C Premiums, 2024 (1)
Workers Compensation Medical Costs, 2006-2015
(1) Based on states where the National Council on Compensation Insurance provides ratemaking services. Represents costs for injuries that resulted in time off from work. Data for 2015 are preliminary.
Source: U.S. Bureau of Labor Statistics; © National Council on Compensation Insurance.
Homeowners Losses Ranked By Claims Severity (Average Claim), 2010-2014 (1)
(Weighted average, 2010-2014)
(1) For homeowners multiple peril policies (HO-2, HO-3, HO-5 and HE-7 for North Carolina). Excludes tenants and condominium owners policies. Accident year incurred losses, excluding loss adjustment expenses, i.e., indemnity costs per accident year incurred claims. Excludes Arkansas and Texas.
(2) Includes vandalism and malicious mischief.
(3) Includes coverage for unauthorized use of various cards, forgery, counterfeit money and losses not otherwise classified.
Source: ISO®, a Verisk Analytics® business.
Homeowners Losses Ranked By Claims Frequency, 2010-2014 (1)
(Weighted average, 2010-2014)
(1) Claims per 100 house years (policies). For homeowners multiple peril policies (HO-2, HO-3, HO-5 and HE-7 for North Carolina). Excludes tenants and condominium owners policies. Excludes Arkansas and Texas.
(2) Includes vandalism and malicious mischief.
(3) Includes coverage for unauthorized use of various cards, forgery, counterfeit money and losses not otherwise classified.
Source: ISO®, a Verisk Analytics® business.
Cybercrime Complaints, 2011-2015 (1)
(1) Based on complaints submitted to the Internet Crime Complaint Center.
Source: Internet Crime Complaint Center.
Cybercrime Complaints, 2011-2015 (1)
(1) Based on complaints submitted to the Internet Crime Complaint Center.
Source: Internet Crime Complaint Center.
Fire Losses In The United States, By Line Of Insurance, 2015 (1)
(1) Estimated. Includes FAIR plan and uninsured losses.
Source: ISO®, a Verisk Analytics® business.
Wildfire Losses In The United States, 2006-2015 (1)
(2015 $ millions)
(1) Adjusted for inflation.
Source: © 2016 Munich Re, Geo Risks Research, NatCatSERVICE.
Business investments predict commercial property premium growth
% change from same quarter, prior year
*Commercial property direct premiums written (fire, allied lines, CMP, inland marine, burglary and theft); business fixed investment (structures, equipment, and software).
Note: Recession indicated by gray shaded column. Data are seasonally adjusted annual rates.
Sources: https://fred.stlouisfed.org/series/PNFI#0; National Bureau of Economic Research (recession dates); Insurance Information Institute.
As hiring goes, exposures follow
000 at quarter-end
Sources: U.S. Bureau of Labor Statistics; Insurance Information Institute.
Price changes* for hospital care affect claims for many lines of business
*Percentage change from same month in prior year; through February 2018; seasonally adjusted.
Sources: US Bureau of Labor Statistics; National Bureau of Economic Research (recession dates); Insurance Information Institute.
Driving patterns predict claim frequency
Sources: Federal Highway Administration; Rolling four-quarter average frequency from Fast Track Monitoring System; Insurance Institute for Highway Safety; Insurance Information Institute.
To rent or to buy?
Sources: U.S. Census Bureau at http://www.census.gov/housing/hvs/data/histtabs.html, Table 8; Insurance Information Institute.
P/C industry net income after taxes*
Billions, 2017 dollars
*Through third quarter. Adjusted for inflation using the BLS CPI calculator, to 2017 dollars.
Sources: NAIC data, sourced from S&P Global Market Intelligence; Insurance Information Institute.
Key sources of P/C insurer profits
$ Billions
Data are before taxes and exclude extraordinary items.
Sources: NAIC data, sourced from S&P Global Market Intelligence; Insurance Information Institute.
Net underwriting gains and losses, 1st halves of each year
Sources: ISO/PCI, Insurance Information Institute.
Sources of investment gains
Billions
Through third quarter.
Sources: NAIC data, sourced from S&P Global Market Intelligence; Insurance Information Institute.
Bond yields
Note: Recession indicated by gray shaded column.
Sources: https://fred.stlouisfed.org/series/AAA#0 ; National Bureau of Economic Research (recession dates); Insurance Information Institute.
Change* in the core** Consumer Price Index
*Monthly, year-over-year, through February 2018. Seasonally adjusted. **CPI less food and energy.
Sources: US Bureau of Labor Statistics; National Bureau of Economic Research (recession dates); Insurance Information Institute.
Three hard markets in the last 45 years
Net Premium Growth (All P/C Lines) Minus Nominal GDP, Annual Change
Shaded areas indicate hard markets.
Sources: A.M. Best (1971-2013), ISO (2014-16); U.S. Commerce Dept., Bureau of Economic Analysis; Insurance Information Institute calculations.
P/C industry ROE and hard markets
This has been a reliable predictor. The last four times ROE fell below 4 percent, a hard market followed. One of those times (2002), a hard market was already under way.
Policyholder surplus and hard markets
This has not been a reliable predictor. Three times after a decline in surplus, a hard market followed. Three times it did not.
Catastrophe claims and hard markets
This is the least reliable predictor. Only one year of outsized catastrophe losses (2001) ushered in a hard market.
World Natural Catastrophes, 2016
Source: © 2017 Munich Re, Geo Risks Research, NatCatSERVICE. As of February 2017.
World Natural Catastrophe Losses, 2016
Source: © 2017 Munich Re, NatCatSERVICE; *Property Claim Services (PCS®), a Verisk Analytics® business, **Catastrophe Indices and Quantification Inc. (CatIQ Inc) www.catiq.com. As of February 2017.
World Natural Catastrophes By Type Of Event, 2016
(Percentage distribution)
Source: © 2017 Munich Re, Geo Risks Research, NatCatSERVICE. As of February 2017.
World Natural Catastrophes By Continent, 2016
(Percentage distribution)
Source: © 2017 Munich Re, Geo Risks Research, NatCatSERVICE. As of February 2017.
World Weather-Related Catastrophes By Type of Event, 2016
(Percentage distribution)
Source: © 2017 Munich Re, Geo Risks Research, NatCatSERVICE. As of February 2017.
World Weather-Related Natural Catastrophes By Continent, 2016
(Percentage distribution)
Source: © 2017 Munich Re, Geo Risks Research, NatCatSERVICE. As of February 2017.
Top 10 World Costliest Natural Catastrophes By Overall Losses, 1980-2016
Source: © 2017 Munich Re, Geo Risks Research, NatCatSERVICE. As of February 2017.
Top 10 World Costliest Natural Catastrophes By Insured Losses, 1980-2016
Source: © 2017 Munich Re, Geo Risks Research, NatCatSERVICE. As of February 2017.
Top 10 World Costliest Natural Catastrophes By Fatalities, 1980-2016
Source: © 2017 Munich Re, Geo Risks Research, NatCatSERVICE. As of February 2017.
World Natural Catastrophes Overall And Losses, 1980–2016
Source: © 2017 Munich Re, Geo Risks Research, NatCatSERVICE. As of February 2017.
Number Of World Natural Catastrophes, 1980-2016
(Number of relevant events by peril)
Source: © 2017 Munich Re, Geo Risks Research, NatCatSERVICE. As of February 2017.
World Weather-Related Natural Catastrophes By Overall And Insured Losses, 1980-2016
Source: © 2017 Munich Re, Geo Risks Research, NatCatSERVICE. As of February 2017.
World Weather-Related Natural Catastrophes By Peril, 1980-2016
Source: © 2017 Munich Re, Geo Risks Research, NatCatSERVICE. As of February 2017.
How Much Does the Industry Pay?
(Federal and Foreign Income Tax, Excluding Capital Gains)
$ Billions
Sources: NAIC data, sourced from S&P Global Market Intelligence; I.I.I. calculations.
What Rate Has the Industry Paid?
(Effective Federal and Foreign Income Tax Rates, Excluding Capital Gains)*
*Income taxes as a percent of net income after dividends to policyholders and after capital gains taxes.
Sources: NAIC data, sourced from S&P Global Market Intelligence.
Tax Reforms Effects: Across All Corporations
*Projected cumulative profits for 2018-2027 = $22,273.6 billion. Projection = average profits for 2007-2016, growing by assumed nominal GDP growth of 5% per year.
Source of amount of forecast tax changes: Joint Committee on Taxation, JCX-67-17, published December 18, 2017.
Tax Reform's Effects: Property/Casualty Insurers
*Projected cumulative profits for 2018-2027 = $602.3 billion. Projection = average profits for 2007-2016, growing by assumed nominal GDP growth of 5% per year.
Source of amount of forecast tax changes: Joint Committee on Taxation, JCX-67-17, published December 18, 2017.
Tax Reform's Effects: Life Insurers
*Projected cumulative profits for 2018-2027 = $337.1 billion. Projection = average profits for 2007-2016, growing by assumed nominal GDP growth of 5% per year.
Source of amount of forecast tax changes: Joint Committee on Taxation, JCX-67-17, published December 18, 2017.
Investments predict premium growth
% change from same quarter, prior year
*Commercial property direct premiums written (fire, allied lines, CMP, inland marine, burglary and theft); business fixed investment (structures, equipment, and software).
Note: Recession indicated by gray shaded column. Data are seasonally adjusted annual rates.
Sources: https://fred.stlouisfed.org/series/PNFI#0; National Bureau of Economic Research (recession dates); Insurance Information Institute.
As hiring goes, exposures follow
000 at quarter-end
Sources: U.S. Department of Commerce, Census Bureau; Insurance Information Institute.
Price changes* for hospital care
*Percentage change from same month in prior year; through October 2017; seasonally adjusted.
Sources: US Bureau of Labor Statistics; National Bureau of Economic Research (recession dates); Insurance Information Institute.
Driving patterns predict claim frequency
Sources: Federal Highway Administration; Rolling four-quarter average frequency from Fast Track Monitoring System; Insurance Institute for Highway Safety; Insurance Information Institute.
To rent or to buy?
Sources: U.S. Census Bureau at http://www.census.gov/housing/hvs/data/histtabs.html, Table 8; Insurance Information Institute.
P/C industry net income after taxes*
Billions, 2017 dollars
*Through second quarter. Adjusted for inflation using the BLS CPI calculator, to 2017 dollars.
Sources: A.M. Best Special Report, ”A.M. Best First Look – 2Qtr 2017 U.S. Property/Casualty Financial Results”; ISO, a Verisk Analytics company; Insurance Information Institute.
Key sources of P/C insurer profits
$ Billions
Data are before taxes and exclude extraordinary items.
Sources: NAIC data, sourced from S&P Global Market Intelligence; Insurance Information Institute.
Sources of investment gains
Billions
Through second quarter.
Sources: ISO/PCI; Insurance Information Institute.
Bond yields
Note: Recession indicated by gray shaded column.
Sources: https://fred.stlouisfed.org/series/AAA#0 ; National Bureau of Economic Research (recession dates); Insurance Information Institute.
Change* in the core** Consumer Price Index
*Monthly, year-over-year, through October 2017. Seasonally adjusted. **CPI less food and energy.
Sources: US Bureau of Labor Statistics; National Bureau of Economic Research (recession dates); Insurance Information Institute.
Catastrophe Bonds, Risk Capital Outstanding And Annual Issued, 2007-2016
(US$ billions)
Source: GC Securities, a division of MMC Securities Corp., a registered broker-dealer, member FINRA/SIPC.
National Health Expenditures, Average Annual Percent Growth From Prior Year, 1993-2020
(1) Average annual growth from 1970 through 1993; marks the beginning of the shift to managed care.
(2) Projected.
Source: Centers for Medicare and Medicaid Services, Office of the Actuary.
Estimated U.S. Properties Affected By Hail, 2013-2017 (1)
(millions)
(1) Defined as affected when hailstones are greater than one inch in diameter.
Source: ©2018 Insurance Services Office, Inc. (ISO) and Verisk. Reprinted with permission from ISO. Further reprint prohibited without permission from ISO.
The Nation's Healthcare Dollar: Where It Came From, 2015 (1)
(1) Sum of components may not add to 100 percent due to rounding.
(2) Includes co-payments, deductibles, and any amounts not covered by health insurance.
(3) Department of Veterans Affairs, Department of Defense and Children's Health Insurance Program.
Source: Centers for Medicare and Medicaid Services, Office of the Actuary, National Health Statistics Group.
Homeowners Losses Ranked By Claims Severity (Average Claim), 2011-2015 (1)
(Weighted average, 2011-2015)
(1) For homeowners multiple peril policies (HO-2, HO-3, HO-5 and HE-7 for North Carolina). Excludes tenants and condominium owners policies. Accident year incurred losses, excluding loss adjustment expenses, i.e., indemnity costs per accident year incurred claims. Excludes Alaska, Texas and Puerto Rico.
(2) Includes vandalism and malicious mischief.
(3) Includes coverage for unauthorized use of various cards, forgery, counterfeit money and losses not otherwise classified.
Source: ISO®, a Verisk Analytics® business.
Homeowners Losses Ranked By Claims Frequency, 2011-2015 (1)
(Weighted average, 2011-2015)
(1) Claims per 100 house years (policies). For homeowners multiple peril policies (HO-2, HO-3, HO-5 and HE-7 for North Carolina). Excludes tenants and condominium owners policies. Excludes Alaska, Texas and Puerto Rico.
(2) Includes vandalism and malicious mischief.
(3) Includes coverage for unauthorized use of various cards, forgery, counterfeit money and losses not otherwise classified.
Source: ISO®, a Verisk Analytics® business.
Mutual Fund Retirement Assets By Type Of Plan, 2016 (1)
($ billions, end of year)
(1) Preliminary data. Excludes defined benefit plans.
Source: Investment Company Institute. 2017 Investment Company Fact Book: A Review of Trends and Activities in the U.S. Investment Company Industry. www.icifactbook.org.
Motor Vehicle Deaths Per 100,000 Persons By Age, 2015
Source: Insurance Institute for Highway Safety.
Life Individual Market Share By Distribution Channel, 2007-2016
(Based on first year collected premiums)
(1) Includes brokers, stockbrokers and personal producing general agents.
(2) Includes career, multiline exclusive and home service agents.
(3) No producers are involved. Excludes direct marketing efforts involving agents.
(4) Includes financial institutions, worksite and other channels.
Source: LIMRA’s U.S. Individual Life Insurance Sales survey results and LIMRA estimates.
Number Of Data Breaches And Records Exposed, 2007-2016 (1)
(1) As of January 18, 2017.
Source: Identity Theft Resource Center.
Number Of Tornadoes And Related Deaths Per Month, 2016 (1)
(1) Excludes Puerto Rico. A tornado that crosses state lines is counted as a single event in this chart.
Source: U.S. Department of Commerce, Storm Prediction Center, National Weather Service.
Cybercrime Complaints, 2012-2016 (1)
(1) Based on complaints submitted to the Internet Crime Complaint Center.
Source: Internet Crime Complaint Center.
U.S. Retirement Assets, By Type, 2007-2016
($ trillions, end of year)
(1) Includes defined contribution plans, private defined benefits plans, state and local and federal pension plans.
Source: Investment Company Institute. 2017 Investment Company Fact Book: A Review of Trends and Activities in the U.S. Investment Company Industry. www.icifactbook.org.
Deferred Annuity Assets, 2007-2016
($ billions, end of year)
(1) Not reported before 2010.
Source: LIMRA Secure Retirement Institute.
U.S. Retirement Assets, By Type, 2007-2016
($ trillions, end of year)
(1) Includes defined contribution plans, private defined benefits plans, state and local and federal pension plans.
Source: Investment Company Institute. 2017 Investment Company Fact Book: A Review of Trends and Activities in the U.S. Investment Company Industry. www.icifactbook.org.
Motor Vehicle Deaths By Activity Of Person Killed, 2015
(1) Includes other non-occupants.
Source: U.S. Department of Transportation, National Highway Traffic Safety Administration.
Total Insurance Premiums, Emerging Markets, 2016 (1)
(US$ millions, end of year)
(1) Includes life and nonlife insurance premiums.
Source: Insurance Information Institute using data from Swiss Re, sigma, No. 3/2017.
World Life And Nonlife Insurance Direct Premiums Written, 2016 (1)
(US$ billions)
(1) Before reinsurance transactions.
(2) Includes accident and health insurance.
Source: Swiss Re, sigma, No. 3/2017.
States With Autonomous Vehicles Enacted Legislation and Executive Orders
Source: National Council of State Legislatures.
Retirement Funds Asset Mix, 2016
Source: Board of Governors of the Federal Reserve System, June 8, 2017.
IRA Market Shares By Holder, 2012 And 2016
(Market value, end of year)
(1) Excludes variable annuities.
(2) Includes Keogh accounts.
(3) Includes savings banks, commercial banks and Keogh accounts.
Source: Board of Governors of the Federal Reserve System, June 8, 2017.
Employment Practices Liability Insurance, By Defendant Type, 2009-2015 (1)
(1) Based on plaintiff and defendant verdicts rendered.
Source: Reprinted with permission of Thomson Reuters, Employment Practice Liability: Jury Award Trends And Statistics, 2016 edition.
Identity Theft And Fraud Complaints, 2013-2016 (1)
(1) Percentages are based on the total number of Consumer Sentinel Network complaints by calendar year. These figures exclude "Do Not Call" registry complaints.
Source: Federal Trade Commission, Consumer Sentinel Network.
U.S. P/C And L/H Insurance Premiums, 2016
($ billions)
Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.
Property/Casualty And Life/Health Insurance Premiums, 2016 (1)
($ billions)
(1) Property/casualty: net premiums written after reinsurance transactions, excludes state funds; life/health: premiums, annuity considerations (fees for annuity contracts) and deposit-type funds.
Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.
Growth In Net Premiums Written, Property/Casualty And Life/Health Insurance, 2007-2016
(Percent change from prior year)
(1) Net premiums written after reinsurance transactions, excludes state funds.
(2) Premiums and annuity considerations (fees for annuity contracts) for life/health insurance companies.
Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.
Individual Immediate Annuity Sales, 2012-2016 (1)
($ billions)
(1) Includes variable individual annuities sales which were less than $0.1 billion.
(2) Single premium contracts bought by property/casualty insurers to distribute awards in personal injury or wrongful death lawsuits over a period of time, rather than as lump sums.
Source: LIMRA Secure Retirement Institute.
U.S. Retirement Assets, 2012 And 2016
($ trillions, year-end)
(1) Estimated.
Source: Investment Company Institute. "The U.S. Retirement Market, First Quarter 2017." (June). www.ici.org/research/stats.
Investments, Life/Health Insurers, Bond Portfolio, 2016 (1)
(1) Long-term bonds with maturity dates over one year, as of December 31, 2016.
Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.
Average Asset Allocation For All 401(k) Plan Balances, 2015 (1)
(1) Percentages are dollar-weighted averages.
Source: Investment Company Institute, Holden, Sarah, Jack VanDerhei, Luis Alonso, and Steven Bass. 2017. “401(k) Plan Asset Allocation, Account Balances, and Loan Activity in 2015.” ICI Research Perspective 23, no. 6 (August). www.ici.org/pdf/per23-06.pdf.
Percent Change From Prior Year, Net Premiums Written, P/C Insurance, 1975-2016 (1)
(1) Excludes state funds and other residual market insurers.
(2) Adjusted for inflation by ISO using the GDP implicit price deflator.
Source: ISO®, a Verisk Analytics® business.
Property/Casualty Insurance Combined Ratio, 1976-2016 (1)
(1) Excludes state funds and other residual insurers.
Source: ISO®, a Verisk Analytics® business.
U.S. Tornado Count, 2016
Source: U.S. Department of Commerce, National Oceanic and Atmospheric Administration, National Weather Service.
Market Share Trends By Size Of Insurer, 1995-2015 (1)
(1) Based on net premiums written. Excludes state funds and other residual market carriers.
Source: ISO®, a Verisk Analytics® business.
Sales Of Individual Annuities By Distribution Channels, 2012 And 2016
Source: U.S. Individual Annuity Yearbook - 2016, LIMRA Secure Retirement Institute.
Investments, Property/Casualty Insurers, 2016
(1) Cash and invested net admitted assets, as of December 31, 2016.
(2) Includes mortgage loans on real estate.
Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.
Percent Change From Prior Year, Net Premiums Written And Policyholders' Surplus, P/C Insurance, 2007-2016 (1)
(1) After reinsurance transactions, excludes state funds.
Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.
Insurance Expenditures As A Percentage Of Total Household Spending, 2016
Note: Percentages do not add up to 100 percent due to rounding.
Source: U.S. Department of Labor, Bureau of Labor Statistics.
Operating Results, Property/Casualty Insurance, 2007-2016 (1)
($ billions)
(1) Excludes state funds.
(2) Net underwriting gain/loss plus net investment income.
Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.
Percent Change From Prior Year, Net Premiums Written, Private Passenger Auto Insurance, 2007-2016
Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.
Workers Compensation Medical Costs, 2007-2016
(1) Based on states where the National Council on Compensation Insurance provides ratemaking services. Represents costs for injuries that resulted in time off from work. Data for 2016 are preliminary.
Source: U.S. Bureau of Labor Statistics; © National Council on Compensation Insurance.
Homeowners Premiums As A Percent Of All P/C Premiums, 2016
Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.
Total Auto Net Premiums Written By Sector, 2016
($ billions)
Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.
Auto Share Of P/C Industry Net Premiums Written, 2016
($ billions)
Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.
Net Premiums Written, Personal And Commercial Lines, 2016
($ billions)
Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.
Loss Events in the U.S. 1980-2016
(Number of relevant events by peril)
Source: © 2017 Munich Re, Geo Risks Research, NatCatSERVICE. As of January 2017.
Loss Events in the U.S. 1980-2016
(Overall and insured losses)
Source: © 2017 Munich Re, Geo Risks Research, NatCatSERVICE. As of January 2017.
Loss Events in the U.S. 1980-2016
(Overall losses: nominal, inflation adjusted, and normalized)
Source: © 2017 Munich Re, Geo Risks Research, NatCatSERVICE. As of January 2017.
Convective storm events* in the U.S. 1980-2016
(Overall and insured losses)
Source: © 2017 Munich Re, Geo Risks Research, NatCatSERVICE. As of January 2017.
Convective storm events* in the U.S. 1980-2016
(Overall losses: nominal, inflation adjusted, and normalized)
Source: © 2017 Munich Re, Geo Risks Research, NatCatSERVICE. As of January 2017.
Tropical storms and hurricanes in the U.S. 1980-2015
(Insured property losses per state)
Source: © 2016 Munich Re, Geo Risks Research, NatCatSERVICE. As of July 2016.
Wildfire Losses In The United States, 2007-2016 (1)
(2016 $ millions)
(1) Adjusted for inflation by Munich Re based on the Consumer Price Index.
Source: © 2017 Munich Re, Geo Risks Research, NatCatSERVICE.
Tropical storms and hurricanes in the North Atlantic, 1980-2015
(Overall losses: nominal, inflation adjusted, and normalized)
Source: © 2016 Munich Re, Geo Risks Research, NatCatSERVICE. As of July 2016.
Natural Catastrophe Losses In The United States, 2016
(Based on perils)
Source: © 2017 Munich Re, NatCatSERVICE; Property Claim Services (PCS®)*, a Verisk Analytics® business. As of February 2017.
Fire Losses In The United States, By Line Of Insurance, 2016 (1)
(1) Estimated. Includes FAIR plan and uninsured losses.
Source: ISO®, a Verisk Analytics® business.
Number Of Drug Poisoning Deaths, 1999-2015
(1) Drug poisoning caused by prescription and illegal drugs.
(2) Prescription drugs used to alleviate chronic and acute pain.
Source: Centers for Disease Control and Prevention, National Center for Health Statistics.
Median And Average Personal Injury Jury Awards By Type Of Liability, 2015
(1) Represents the midpoint jury award. Half of the awards are above the median and half are below.
Source: Reprinted with permission of Thomson Reuters, Current Award Trends in Personal Injury, 56th edition.
Flood Insurance Policies In Force By Occupancy Type, 2016 (1)
(1) As of March 28, 2016.
Source: Federal Emergency Management Agency (FEMA).
Number Of Drug Overdose Deaths, 2000-2016
(1) Drug overdose caused by prescription and illegal drugs.
Source: Centers for Disease Control and Prevention, National Center for Health Statistics.
Homeowners Losses Ranked By Claims Severity (Average Claim), 2012-2016 (1)
(Weighted average, 2012-2016)
(1) For homeowners multiple peril policies (HO-2, HO-3, HO-5 and HE-7 for North Carolina). Excludes tenants and condominium owners policies. Accident year incurred losses, excluding loss adjustment expenses, i.e., indemnity costs per accident year incurred claims. Excludes Alaska, Texas and Puerto Rico.
(2) Includes vandalism and malicious mischief.
(3) Includes coverage for unauthorized use of various cards, forgery, counterfeit money and losses not otherwise classified.
Source: ISO®, a Verisk Analytics® business.
Homeowners Losses Ranked By Claims Frequency, 2012-2016 (1)
(Weighted average, 2012-2016)
(1) Claims per 100 house years (policies). For homeowners multiple peril policies (HO-2, HO-3, HO-5 and HE-7 for North Carolina). Excludes tenants and condominium owners policies. Excludes Alaska, Texas and Puerto Rico.
(2) Includes vandalism and malicious mischief.
(3) Includes coverage for unauthorized use of various cards, forgery, counterfeit money and losses not otherwise classified.
Source: ISO®, a Verisk Analytics® business.
Where the Nation's Healthcare Dollar Came From, 2016 (1)
(1) Sum of components may not add to 100 percent due to rounding.
(2) Includes co-payments, deductibles, and any amounts not covered by health insurance.
(3) Department of Veterans Affairs, Department of Defense and Children's Health Insurance Program.
Source: Centers for Medicare and Medicaid Services, Office of the Actuary, National Health Statistics Group.
Driver Hand Held Cellphone Use By Age, 2007-2016 (1)
(1) Percent of drivers using hand held cellphones.
Source: U.S. Department of Transportation, National Highway Traffic Safety Administration.
Percent Of Female Workers In The U.S. Workforce And Selected Insurance Occupations, 2016
Source: U.S. Bureau of Labor Statistics, Current Population Survey.
Number of Acres Burned in Wildfires, 1980–2016
Source: National Interagency Fire Center.
U.S. Inflation-Adjusted Cat Losses, 1980-2018
*2018: Inflation-adjusted estimate, subject to change. 2010s is average of 2010 to 2018.
Note: As of Feb. 14, 2019.
Sources: Property Claims Service, a Verisk Analytics business; Insurance Information Institute.
Natural Catastrophe Losses In The United States, 2017
(Based on perils)
Source: © 2018 Munich Re, NatCatSERVICE; Property Claim Services (PCS®)*, a Verisk Analytics® business. As of January 2018.
Loss Events in the U.S. 1980-2017
(Number of relevant events by peril)
Source: © 2018 Munich Re, Geo Risks Research, NatCatSERVICE. As of January 2018.
Loss Events in the U.S. 1980-2017
(Overall and insured losses)
Source: © 2018 Munich Re, Geo Risks Research, NatCatSERVICE. As of January 2018.
Loss Events in the U.S. 1980-2017
(Overall losses: nominal, inflation adjusted, and normalized)
Source: © 2018 Munich Re, Geo Risks Research, NatCatSERVICE. As of January 2018.
Convective Storm Events* in the U.S. 1980-2017
(Overall and insured losses)
Source: © 2018 Munich Re, Geo Risks Research, NatCatSERVICE. As of January 2018.
Convective Storm Events* in the U.S. 1980-2017
(Overall losses: nominal, inflation adjusted, and normalized)
Source: © 2018 Munich Re, Geo Risks Research, NatCatSERVICE. As of January 2018.
Tropical Storms and Hurricanes in the U.S., 1980-2017
(Insured property losses per state)
Source: © 2018 Munich Re, Geo Risks Research, NatCatSERVICE. As of January 2018.
Tropical Storms and Hurricanes in the U.S., 1980-2017
(Overall losses: nominal, inflation adjusted, and normalized)
Source: © 2018 Munich Re, Geo Risks Research, NatCatSERVICE. As of January 2018.
Lightning Fatalities By State, 2016
Source: U.S. Department of Commerce, National Oceanic and Atmospheric Administration, National Weather Service.
Motor Vehicle Deaths Per 100,000 Persons By Age, 2016
Source: Insurance Institute for Highway Safety.
Identity Theft And Fraud Complaints, 2014-2017 (1)
(1) Percentages are based on the total number of Consumer Sentinel Network reports by calendar year. These figures exclude "Do Not Call" registry complaints.
Source: Federal Trade Commission, Consumer Sentinel Network.
World natural catastrophes, 2017
Source: © 2018 Munich Re, Geo Risks Research, NatCatSERVICE. As of January 2018.
World natural catastrophe losses, 2017
Source: © 2018 Munich Re, NatCatSERVICE. As of January 2018.
World natural catastrophes by type of event, 2017
(Percentage distribution)
Source: © 2018 Munich Re, Geo Risks Research, NatCatSERVICE. As of January 2018.
World natural catastrophes by continent, 2017
(Percentage distribution)
Source: © 2018 Munich Re, Geo Risks Research, NatCatSERVICE. As of January 2018.
World weather-related catastrophes by type of event, 2017
(Percentage distribution)
Source: © 2018 Munich Re, Geo Risks Research, NatCatSERVICE. As of January 2018.
World weather-related natural catastrophes by continent, 2017
(Percentage distribution)
Source: © 2018 Munich Re, Geo Risks Research, NatCatSERVICE. As of January 2018.
Top 10 world costliest natural catastrophes by overall losses, 2017 (1)
(1) U.S. losses include the loss estimation based on Property Claim Services (PCS).
Source: © 2018 Munich Re, Geo Risks Research, NatCatSERVICE. As of January 2018.
Top 10 world costliest natural catastrophes by insured losses, 2017 (1)
(1) U.S. losses include the loss estimation based on Property Claims Services (PCS).
Source: © 2018 Munich Re, Geo Risks Research, NatCatSERVICE. As of January 2018.
Top 5 world natural catastrophes by fatalities, 2017
Source: © 2018 Munich Re, Geo Risks Research, NatCatSERVICE. As of January 2018.
World natural catastrophes by overall and insured losses, 1980–2017
Source: © 2018 Munich Re, Geo Risks Research, NatCatSERVICE. As of January 2018.
Number of world natural catastrophes, 1980-2017
(Number of relevant events by peril)
Source: © 2018 Munich Re, Geo Risks Research, NatCatSERVICE. As of January 2018.
World weather-related natural catastrophes by overall and insured losses, 1980-2017
Source: © 2018 Munich Re, Geo Risks Research, NatCatSERVICE. As of January 2018.
World weather-related natural catastrophes by peril, 1980-2017
(Number of relevant events by peril)
Source: © 2018 Munich Re, Geo Risks Research, NatCatSERVICE. As of January 2018.
Mutual Fund Retirement Assets By Type Of Plan, 2017 (1)
($ billions, end of year)
(1) Preliminary data. Excludes defined benefit plans.
Source: Investment Company Institute. 2018 Investment Company Fact Book: A Review of Trends and Activities in the U.S. Investment Company Industry. www.icifactbook.org.
Loss Distribution By Type Of Insurance From September 11 Terrorist Attack (1)
($ 2015 billions)
(1) Adjusted to 2015 dollars by the Insurance Information Institute using the U.S. Department of Labor BLS Calculator.
(2) Loss total does not include March 2010 New York City settlement of up to $657.5 million to compensate approximately 10,000 Ground Zero workers or any subsequent settlements.
Source: Insurance Information Institute.
Number Of Tornadoes And Related Deaths Per Month, 2017 (1)
(1) Excludes Puerto Rico. A tornado that crosses state lines is counted as a single event in this chart.
Source: U.S. Department of Commerce, Storm Prediction Center, National Weather Service.
U.S. Tornado Count, 2017
Source: U.S. Department of Commerce, National Oceanic and Atmospheric Administration, National Weather Service.
Deferred Annuity Assets, 2008-2017
($ billions, end of year)
(1) Not reported before 2010.
Source: U.S. Individual Annuities, 1st Quarter 2018, LIMRA, 2018.
Life Individual Market Share By Distribution Channel, 2008 And 2017
(1) Includes brokers, stockbrokers and personal producing general agents.
(2) Includes career, multiline exclusive and home service agents.
(3) No producers are involved. Excludes direct marketing efforts involving agents.
(4) Includes financial institutions, worksite and other channels.
Source: U.S. Individual Life Insurance Sales Trends, 1975-2017 Estimates, LIMRA, 2018.
Sales Of Individual Annuities By Distribution Channels, 2013 And 2017
Source: U.S. Individual Annuity Yearbook, LIMRA, 2018.
Catastrophe Bonds, Risk Capital Outstanding And Annual Issued, 2008-2017
(US$ billions)
Source: GC Securities, a division of MMC Securities Corp., a registered broker-dealer, member FINRA/SIPC, and Guy Carpenter.
Individual Immediate Annuity Sales, 2013-2017 (1)
($ billions)
(1) Includes variable individual annuities sales which were less than $0.1 billion.
(2) Single premium contracts bought by property/casualty insurers to distribute awards in personal injury or wrongful death lawsuits over a period of time, rather than as lump sums.
Source: U.S. Individual Annuities, 4th Quarter 2017, LIMRA, 2018.
U.S. Retirement Assets, By Type, 2008-2017
($ trillions, end of year)
(1) Includes defined contribution plans, private defined benefits plans, and state and local and federal pension plans.
Source: Investment Company Institute. 2018 Investment Company Fact Book: A Review of Trends and Activities in the U.S. Investment Company Industry. www.icifactbook.org.
U.S. Retirement Assets, 2013 And 2017
($ trillions, year-end)
(1) Estimated.
Source: Investment Company Institute, "The U.S. Retirement Market, First Quarter 2018." www.ici.org/research/stats.
Retirement Funds Asset Mix, 2017
Source: Board of Governors of the Federal Reserve System, June 8, 2018.
IRA Market Shares By Holder, 2013 And 2017
(Market value, end of year)
(1) Excludes variable annuities.
(2) Includes Keogh accounts.
(3) Includes savings banks, commercial banks and Keogh accounts.
Source: Board of Governors of the Federal Reserve System, June 8, 2018.
World Life And Nonlife Insurance Direct Premiums Written, 2017 (1)
(US$ billions)
(1) Before reinsurance transactions.
(2) Includes accident and health insurance.
Source: Swiss Re, sigma, No. 3/2018.
Total Insurance Premiums, Emerging Markets, 2017 (1)
(US$ millions, end of year)
(1) Includes life and nonlife insurance premiums.
Source: Insurance Information Institute using data from Swiss Re, sigma, No. 3/2018.
Property/Casualty And Life/Health Insurance Premiums, 2017 (1)
(US$ billions)
(1) Property/casualty: net premiums written after reinsurance transactions, excludes state funds; Life/health: premiums, annuity considerations (fees for annuity contracts) and deposit-type funds.
Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.
U.S. P/C And L/H Insurance Premiums, 2017
($ billions)
Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.
Growth In Net Premiums Written, Property/Casualty And Life/Health Insurance, 2008-2017
(Percent change from prior year)
(1) Net premiums written after reinsurance transactions, excludes state funds.
(2) Premiums and annuity considerations (fees for annuity contracts) for life/health insurance companies.
Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.
National Health Expenditures, Average Annual Percent Growth From Prior Year, 1993-2021
(1) Average annual growth from 1970 through 1993; marks the beginning of the shift to managed care.
(2) Projected.
Source: Centers for Medicare and Medicaid Services, Office of the Actuary.
Investments, Life Insurers, Bond Portfolio, 2017 (1)
(1) Long-term bonds with maturity dates over one year, as of December 31, 2017. Excludes investments of separate accounts.
Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.
Operating Results, Property/Casualty Insurance, 2008-2017 (1)
($ billions)
(1) Excludes state funds.
(2) Net underwriting gain/loss plus net investment income.
Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.
Percent Change From Prior Year, Net Premiums Written And Policyholders' Surplus, P/C Insurance, 2008-2017 (1)
(1) After reinsurance transactions, excludes state funds.
Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.
Property/Casualty Insurance Combined Ratio, 1977-2017 (1)
(1) Excludes state funds and other residual insurers.
Source: ISO®, a Verisk Analytics® business.
Percent Change From Prior Year, Net Premiums Written, P/C Insurance, 1977-2017 (1)
(1) Excludes state funds and other residual market insurers.
(2) Adjusted for inflation by ISO using the GDP implicit price deflator.
Source: ISO®, a Verisk Analytics® business.
Investments, Property/Casualty Insurers, 2017
(1) Cash and invested net admitted assets, as of December 31, 2017.
(2) Includes mortgage loans on real estate.
Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.
Market Share Trends By Size Of Insurer, 1997-2017 (1)
(1) Based on direct premiums written. Excludes state funds and other residual market carriers.
Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.
Principal Types Of Home Unintentional Injury Deaths, 2015
(1) Inhalation and ingestion of food or other object that obstructs breathing.
Source: National Safety Council. Injury Facts®, 2017 Edition. Itasca, IL.
Workers Compensation Medical Costs, 2008-2017
(1) Based on states where the National Council on Compensation Insurance provides ratemaking services. Represents costs for injuries that resulted in time off from work. Data for 2017 are preliminary.
Source: U.S. Bureau of Labor Statistics; ©National Council on Compensation Insurance.
Percent Change From Prior Year, Net Premiums Written, Private Passenger Auto Insurance, 2008-2017
Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.
Homeowners Premiums As A Percent Of All P/C Premiums, 2017
Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.
Loss Distribution By Type Of Insurance From September 11 Terrorist Attack (1)
($ 2018 billions)
(1) Adjusted to 2018 dollars by the Insurance Information Institute using the U.S. Department of Labor BLS Calculator.
(2) Loss total does not include March 2010 New York City settlement of up to $657.5 million to compensate approximately 10,000 Ground Zero workers or any subsequent settlements.
Source: Insurance Information Institute.
Total Auto Net Premiums Written By Sector, 2017
($ billions)
Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.
Auto Share Of P/C Industry Net Premiums Written, 2017
($ billions)
Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.
Motor Vehicle Deaths By Activity Of Person Killed, 2016
(1) Includes other non occupants.
Source: U.S. Department of Transportation, National Highway Traffic Safety Administration.
Net Premiums Written, Personal And Commercial Lines, 2017
($ billions)
Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.
Wildfire Losses In The United States, 2008-2017 (1)
(2017 $ millions)
(1) Adjusted for inflation by Munich Re based on the Consumer Price Index.
Source: © 2018 Munich Re, NatCatSERVICE.
Fire Losses In The United States, By Line Of Insurance, 2017 (1)
(1) Estimated. Includes FAIR plan and uninsured losses.
Source: ISO®, a Verisk Analytics® business.
Number Of Data Breaches And Records Exposed, 2008-2017 (1)
(1) As of January 22, 2018.
Source: Identity Theft Resource Center.
Employment Practices Liability Verdicts, By Defendant Type, 2010-2016 (1)
(1) Based on plaintiff and defendant verdicts rendered.
Source: Reprinted with permission of Thomson Reuters, Employment Practice Liability: Jury Award Trends And Statistics, 2017 edition.
Median And Average Personal Injury Jury Awards By Type Of Liability, 2016
(1) Represents the midpoint jury award. Half of awards are above the median and half are below.
Source: Reprinted with permission of Thomson Reuters, Current Award Trends in Personal Injury, 57th edition.
Insurance Expenditures As A Percentage Of Total Household Spending, 2017
(1) Includes tenants insurance.
Note: Percentages may not add up to 100 percent due to rounding.
Source: U.S. Department of Labor, Bureau of Labor Statistics.
Driver Hand Held Cellphone Use By Age, 2008-2017 (1)
(1) Percent of all drivers using hand held cellphones.
Source: U.S. Department of Transportation, National Highway Traffic Safety Administration.
Overall And Insured Losses From Winter Storms In The United States, 1980-2016
(2016 $ billions)
Source: © 2017 Munich Re, Geo Risks Research, NatCatSERVICE. As of February 2017.
U.S. Winter Storm Insured Loss Trends, 1980-2016
(2016 $ billions)
Source: © 2017 Munich Re, Geo Risks Research, NatCatSERVICE. As of February 2017.
Number Of Drug Overdose Deaths, 2000-2017
(1) Drug overdose caused by prescription and illegal drugs.
Source: Centers for Disease Control and Prevention, National Center for Health Statistics.
World Natural Catastrophes, 2018
Source: © 2019 Munich Re, Geo Risks Research, NatCatSERVICE. As of March 2019.
World Natural Catastrophe Losses, 2018
Source: © 2019 Munich Re, NatCatSERVICE. As of March 2019.
Top 5 World Costliest Natural Catastrophes By Overall Losses, 2018 (1)
(1) U.S. losses include the loss estimation based on Property Claim Services (PCS).
Source: © 2019 Munich Re, Geo Risks Research, NatCatSERVICE. As of March 2019.
Top 5 World Costliest Natural Catastrophes By Insured Losses, 2018 (1)
(1) U.S. losses include the loss estimation based on Property Claims Services (PCS).
Source: © 2019 Munich Re, Geo Risks Research, NatCatSERVICE. As of March 2019.
Top 5 World Natural Catastrophes By Fatalities, 2018 (1)
(1) Fatalities for the December 22 volcanic activity and tsunami event in Indonesia are preliminary.
Source: © 2019 Munich Re, Geo Risks Research, NatCatSERVICE. As of March 2019.
Cybercrime Complaints, 2014-2018 (1)
(1) Based on complaints submitted to the Internet Crime Complaint Center.
Source: Internet Crime Complaint Center.
Number Of Data Breaches And Records Exposed, 2009-2018 (1)
(1) As of January 7, 2019.
Source: Identity Theft Resource Center, 2018 End of Year Data Breach Report.
Where the Nation's Healthcare Dollar Came From, 2017 (1)
(1) Sum of components may not add to 100 percent due to rounding.
(2) Includes co-payments, deductibles, and any amounts not covered by health insurance.
(3) Department of Veterans Affairs, Department of Defense and Children's Health Insurance Program.
Source: Centers for Medicare and Medicaid Services, Office of the Actuary, National Health Statistics Group.
Worksite Life Insurance Sales By Line Of Business, 2014
(1) Short-term and long-term disability.
Source: Eastbridge Consulting Group, Inc.
U.S. Tornado Count, 2018
Source: U.S. Department of Commerce, National Oceanic and Atmospheric Administration, National Weather Service.
Percent Of Female Workers In The U.S. Workforce And Selected Insurance Occupations, 2018
Source: U.S. Bureau of Labor Statistics, Current Population Survey.
National Health Expenditures, Average Annual Percent Growth From Prior Year, 1993-2022
(1) Average annual growth from 1970 through 1993; marks the beginning of the shift to managed care.
(2) Projected.
Source: Centers for Medicare and Medicaid Services, Office of the Actuary.
Annual Number of Acres Burned in Wildland Fires, 1980-2018
* 2004 fires and acres do not include state lands for North Carolina.
Source: National Interagency Fire Center.
Number Of Tornadoes And Related Deaths Per Month, 2018 (1)
(1) Excludes Puerto Rico. A tornado that crosses state lines is counted as a single event in this chart.
Source: U.S. Department of Commerce, Storm Prediction Center, National Weather Service.
Homeowners Losses Ranked By Claims Frequency, 2013-2017 (1)
(Weighted average, 2013-2017)
(1) Claims per 100 house years (policies). For homeowners multiple peril policies (HO-2, HO-3, HO-5 and HE-7 for North Carolina). Excludes tenants and condominium owners policies. Excludes Alaska,Texas and Puerto Rico.
(2) Includes vandalism and malicious mischief.
(3) Includes coverage for unauthorized use of various cards, forgery, counterfeit money and losses not otherwise classified.
Source: ISO®, a Verisk Analytics® business.
Homeowners Losses Ranked By Claims Severity (Average Claim), 2013-2017 (1)
(Weighted average, 2013-2017)
(1) For homeowners multiple peril policies (HO-2, HO-3, HO-5 and HE-7 for North Carolina). Excludes tenants and condominium owners policies. Accident year incurred losses, excluding loss adjustment expenses, i.e., indemnity costs per accident year incurred claims. Excludes Alaska,Texas and Puerto Rico.
(2) Includes vandalism and malicious mischief.
(3) Includes coverage for unauthorized use of various cards, forgery, counterfeit money and losses not otherwise classified.
Source: ISO®, a Verisk Analytics® business.
Average Asset Allocation For All 401(k) Plan Balances, 2016 (1)
(1) Percentages are dollar-weighted averages.
Source: Investment Company Institute, Holden, Sarah, Jack VanDerhei, Luis Alonso, and Steven Bass. 2018. “401(k) Plan Asset Allocation, Account Balances, and Loan Activity in 2016.” ICI Research Perspective 24, no. 6 (September). https/www.ici.org/pdf/per/24-06.pdf.
Identity Theft And Fraud Reports, 2015-2018 (1)
(1) Percentages are based on the total number of Consumer Sentinel Network reports by calendar year. These figures exclude "Do Not Call" registry complaints.
Source: Federal Trade Commission, Consumer Sentinel Network.
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| Rank | Group/company | Direct premiums written ($000) | Market share |
|---|---|---|---|
| 1 | Travelers Companies Inc. | $52,130 | 8.9% |
| 2 | Liberty Mutual | 46,180 | 7.9 |
| 3 | Zurich | 37,300 | 6.4 |
| 4 | Nationwide Mutual Group | 28,846 | 4.9 |
| 5 | Chubb | 20,915 | 3.6 |
| 6 | American International Group (AIG) | 18,495 | 3.2 |
| 7 | Mtn W Farm Bureau Mutual Insurance Co. | 17,414 | 3.0 |
| 8 | EMC Insurance | 17,405 | 3.0 |
| 9 | Progressive | 17,279 | 3.0 |
| 10 | Farmers Insurance Group | 15,478 | 2.6 |
Source: Test.
($ millions)
U.S. P/C And L/A Insurance Premiums, 2018 (1)
($ billions)
(1) P/C: net premiums written after reinsurance transactions, excludes state funds; life/annuity: premiums, annuity considerations (fees for annuity contracts) and deposit-type funds. Both sectors include accident and health insurance.
Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.
Property/Casualty And Life/Annuity Insurance Premiums, 2018 (1)
(US$ billions)
(1) Property/casualty: net premiums written after reinsurance transactions, excludes state funds; life/annuity: premiums, annuity considerations (fees for annuity contracts) and deposit-type funds. Both sectors include accident and health insurance.
Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.
Growth In Net Premiums Written, Property/Casualty And Life/Annuity Insurance, 2009-2018
(Percent change from prior year)
(1) Net premiums written after reinsurance transactions, excludes state funds, includes accident and health insurance.
(2) Includes premiums, annuity considerations (fees for annuity contracts), deposit-type funds and accident and health insurance.
Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.
Overall And Insured Losses From Winter Storms In The United States, 1980-2018
(2018 $ billions)
Source: © 2019 Munich Re, Geo Risks Research, NatCatSERVICE. As of November 2019.
U.S. Winter Storm Insured Loss Trends, 1980-2018
(2018 $ billions)
Source: © 2019 Munich Re, Geo Risks Research, NatCatSERVICE. As of November 2019.
Natural Catastrophe Losses In The United States, 2018
(Based on perils)
Source: © 2019 Munich Re, NatCatSERVICE; Property Claim Services (PCS®)*, a Verisk Analytics® business. As of March 2019.
Principal Types Of Home Unintentional Injury Deaths, 2017
(1) Inhalation and ingestion of food or other object that obstructs breathing.
Source: National Safety Council estimates based on data from National Center for Health Statistics and state vital statistics departments.
Lightning Fatalities By State, 2018
Source: U.S. Department of Commerce, National Oceanic and Atmospheric Administration, National Weather Service.
Wildfire Lossses In The United States, 2009-2018 (1)
(2018 $ millions)
(1) Adjusted for inflation by Munich Re based on the Consumer Price Index.
Source: © 2019 Munich Re, NatCatSERVICE.
Retirement Funds Asset Mix, 2018
Source: Board of Governors of the Federal Reserve System, June 6, 2019.
IRA Market Shares By Holder, 2014 And 2018
(Market value, end of year)
(1) Excludes variable annuities.
(2) Includes Keogh accounts.
(3) Includes savings banks, commercial banks and Keogh accounts.
Source: Board of Governors of the Federal Reserve System, June 6, 2019.
Investments, Life/Annuity Insurers, Bond Portfolio, 2018 (1)
(1) Long-term bonds with maturity dates more than one year, as of December 31, 2018. Does not add to 100 percent due to rounding.
Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.
Operating Results, Property/Casualty Insurance, 2009-2018 (1)
($ billions)
(1) Excludes state funds.
(2) Net underwriting gain/loss plus net investment income.
Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.
Percent Change From Prior Year, Net Premiums Written And Policyholders' Surplus, P/C Insurance, 2009-2018 (1)
(1) After reinsurance transactions, excludes state funds.
Source: NAIC data, sourced from S&P Global market Intelligence, Insurance Information Institute.
Deferred Annuity Assets, 2009-2018
($ billions, end of year)
(1) Not reported before 2010.
Source: U.S. Individual Annuities, 4th Quarter 2018, LIMRA, 2019.
Mutual Fund Retirement Assets By Type Of Plan, 2018 (1)
($ billions, end of year)
(1) Preliminary data. Excludes defined benefit plans.
Source: Investment Company Institute. 2019. 2019 Investment Company Fact Book: A Review of Trends and Activities in the U.S. Investment Company Industry. Washington, D.C. Investment Company Institute. www.icifactbook.org.
U.S. Retirement Assets, 2014 And 2018
($ trillions, year-end)
(1) Estimated.
Source: Investment Company Institute. 2019. 2019 Investment Company Fact Book: A Review of Trends and Activities in the U.S. Investment Company Industry. Washington, D.C. Investment Company Institute. www.icifactbook.org.
U.S. Retirement Assets, By Type, 2009-2018
($ trillions, end of year)
(1) Includes defined contribution plans, private defined benefit plans, and state, local and federal pension plans.
Source: Investment Company Institute. 2019. 2019 Investment Company Fact Book: A Review of Trends and Activities in the U.S. Investment Company Industry. Washington, D.C. Investment Company Institute. www.icifactbook.org.
Life Individual Market Share by Distribution Channel, 2009 and 2018
(1) Includes brokers, broker-dealers, personal producing general agents and registered investment advisers.
(2) Includes agency building, multiline exclusive and home service agents.
(3) No producers are involved. Excludes direct marketing efforts involving agents. Includes internet sales where consumers submit online applications.
(4) Includes financial institutions, worksite and other channels.
Source: U.S. Individual Life Insurance Sales Trends, Industry Estimates, 1975-2018, LIMRA, 2019.
Percent Change From Prior Year, Net Premiums Written, Private Passenger Auto Insurance, 2009-2018
Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.
Homeowners Premiums As A Percent Of All P/C Premiums, 2018
Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.
Individual Fixed Annuity Sales, 2014-2018 (1)
($ billions)
(1) Includes variable individual annuities sales which were less than $100 million.
(2) Single premium contracts bought by property/casualty insurers to distribute awards in personal injury or wrongful death lawsuits over a period of time, rather than as lump sums.
Source: U.S. Individual Annuities, 2018 Year in Review, LIMRA, 2019.
World Life And Nonlife Insurance Direct Premiums Written, 2018 (1)
(US$ billions)
(1) Before reinsurance transactions.
(2) Includes accident and health insurance.
Source: Swiss Re, sigma, No. 3/2019.
Sales Of Individual Annuities By Distribution Channels, 2014 And 2018
Source: U.S. Individual Annuities, 2018 Year in Review, LIMRA, 2019.
Total Insurance Premiums, Emerging Markets, 2018 (1)
(US$ millions)
(1) Includes life and nonlife insurance premiums.
Source: Insurance Information Institute using data from Swiss Re, sigma, No. 3/2019.
.
Asset Allocation For 401(k) Plans, 2018
Source: Based on data from Investment Company Institute: Holden, Sarah, James Duvall and Elena Barone Chism. 2019. The Economics of Providing 401(k) Plans: Services, Fees and Expenses, 2018. ICI Research Perspective 25, no.4 (July). https://www.ici.org/pdf/per25-04.pdf.
Net Premiums Written, Personal And Commercial Lines, 2018
($ billions)
Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.
Total Auto Net Premiums Written By Sector, 2018
($ billions)
Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.
Auto Share Of P/C Industry Net Premiums Written, 2018
($ billions)
Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.
Market Share Trends By Size Of Insurer, 1998-2018 (1)
(1) Based on direct premiums written. Excludes state funds and other residual market carriers.
Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.
Workers Compensation Medical Costs, 2009-2018
(1) Based on states where the National Council on Compensation Insurance provides ratemaking services. Represents costs for injuries that resulted in time off from work. Data for 2018 are preliminary.
Source: U.S. Bureau of Labor Statistics; ©National Council on Compensation Insurance.
Investments, Property/Casualty Insurers, 2018
(1) Cash and invested net admitted assets, as of December 31, 2018.
(2) Includes mortgage loans on real estate.
Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.
Percent Change From Prior Year, Net Premiums Written, P/C Insurance, 1978-2018 (1)
(1) Excludes state funds and other residual market insurers.
(2) Adjusted for inflation by ISO using the GDP implicit price deflator.
Source: ISO®, a Verisk Analytics® business.
Fire Losses In The United States, By Line Of Insurance, 2018 (1)
(1) Estimated. Includes FAIR plan and uninsured losses.
Source: ISO®, a Verisk Analytics® business.
Median And Average Personal Injury Jury Awards By Type Of Liability, 2017
(1) Represents the midpoint jury award. Half of awards are above the median and half are below.
Source: Reprinted with permission of Thomson Reuters, Current Award Trends in Personal Injury, 58th edition.
Motor Vehicle Deaths By Activity Of Person Killed, 2017
(1) Includes other non-occupants.
Source: U.S. Department of Transportation, National Highway Traffic Safety Administration.
Motor Vehicle Deaths Per 100,000 Persons By Age, 2017
Source: Insurance Institute for Highway Safety.
Number Of Drug Overdose Deaths, 2000-2018
(1) Drug overdose caused by prescription and illegal drugs.
Source: Centers for Disease Control and Prevention, National Center for Health Statistics.
Insurance And Other Consumer Expenditures As A Percentage Of Total Household Spending, 2018
(1) Excludes insurance.
Note: Percentages do not add up to 100 percent due to rounding.
Source: U.S. Department of Labor, Bureau of Labor Statistics.
Employment Practices Liability Verdicts, By Defendant Type, 2011-2017 (1)
(1) Based on plaintiff and defendant verdicts rendered.
Source: Reprinted with permission of Thomson Reuters, Employment Practice Liability: Jury Award Trends And Statistics, 2018 edition.
Number Of Drug Overdose Deaths, 2000-2018
(1) Drug overdose caused by prescription and illegal drugs.
Source: Centers for Disease Control and Prevention, National Center for Health Statistics.
World Natural Catastrophe Losses, 2019
Source: © 2020 Munich Re, NatCatSERVICE. As of January 2020.
Top Five World Costliest Natural Catastrophes By Overall Losses, 2019
Source: © 2020 Munich Re, Geo Risks Research, NatCatSERVICE. As of January 2020.
Top Five World Costliest Natural Catastrophes By Insured Losses, 2019 (1)
(1) U.S. losses include the loss estimation based on Property Claims Services (PCS).
Source: © 2020 Munich Re, Geo Risks Research, NatCatSERVICE. As of January 2020.
Top Five World Natural Catastrophes By Fatalities, 2019
Source: © 2020 Munich Re, Geo Risks Research, NatCatSERVICE. As of January 2020.
Where the Nation's Healthcare Dollar Came From, 2018 (1)
(1) Sum of components may not add to 100 percent due to rounding.
(2) Includes co-payments, deductibles, and any amounts not covered by health insurance.
(3) Department of Veterans Affairs, Department of Defense and Children's Health Insurance Program.
Source: Centers for Medicare and Medicaid Services, Office of the Actuary, National Health Statistics Group.
Identity Theft And Fraud Reports, 2015-2019 (1)
(1) Percentages are based on the total number of Consumer Sentinel Network reports by calendar year. These figures exclude "Do Not Call" registry complaints.
Source: Federal Trade Commission, Consumer Sentinel Network.
Annual Number of Acres Burned in Wildland Fires, 1980-2019
*2004 fires and acres do not include state lands for North Carolina.
Source: National Interagency Fire Center.
Principal Types Of Home Unintentional Injury Deaths, 2018
(1) Inhalation and ingestion of food or other object that obstructs breathing.
Source: National Safety Council estimates based on data from National Center for Health Statistics and state vital statistics departments.
Cybercrime Complaints, 2015-2019 (1)
(1) Based on complaints submitted to the Internet Crime Complaint Center.
Source: Internet Crime Complaint Center.
Deferred Annuity Assets, 2010-2019
($ billions, end of year)
Source: U.S. Individual Annuities, 4th Quarter 2019, LIMRA, 2020.
Lightning Fatalities By State, 2019
Source: U.S. Department of Commerce, National Oceanic and Atmospheric Administration, National Weather Service.
U.S. Retirement Assets, 2015 And 2019
($ trillions, year-end)
(1) Estimated.
Source: Investment Company Institute. 2020. 2020 Investment Company Fact Book: A Review of Trends and Activities in the U.S. Investment Company Industry. Washington, D.C. Investment Company Institute. www.icifactbook.org.
U.S. Retirement Assets, By Type, 2010-2019
($ trillions, end of year)
(1) Includes defined contribution plans, private defined benefit plans, and state and local and federal pension plans.
Source: Investment Company Institute. 2020. 2020 Investment Company Fact Book: A Review of Trends and Activities in the U.S. Investment Company Industry. Washington, D.C. Investment Company Institute. www.icifactbook.org.
Mutual Fund Retirement Assets By Type Of Plan, 2019 (1)
($ billions, end of year)
(1) Preliminary data. Excludes defined benefit plans.
Source: Investment Company Institute. 2020. 2020 Investment Company Fact Book: A Review of Trends and Activities in the U.S. Investment Company Industry. Washington, D.C. Investment Company Institute. www.icifactbook.org.
Sales Of Individual Annuities By Distribution Channels, 2015 And 2019
Source: U.S. Individual Annuities, 2019 Year in Review, LIMRA, 2020.
Motor Vehicle Deaths Per 100,000 Persons By Age, 2018
Source: Insurance Institute for Highway Safety.
Property/Casualty And Life/Annuity Insurance Premiums, 2019 (1)
(billions)
(1) Property/casualty: net premiums written after reinsurance transactions, excludes state funds; life/annuity: premiums, annuity considerations (fees for annuity contracts) and deposit-type funds. Both sectors include accident and health insurance.
Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.
Growth In Net Premiums Written, Property/Casualty And Life/Annuity Insurance, 2010-2019
(Percent change from prior year)
(1) Net premiums written after reinsurance transactions, excludes state funds, includes accident and health insurance.
(2) Includes premiums, annuity considerations (fees for annuity contracts), deposit-type funds and accident and health insurance.
Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.
Workers Compensation Medical Costs, 2010-2019
(1) Based on states where the National Council on Compensation Insurance provides ratemaking services. Represents costs for injuries that resulted in time off from work. Data for 2018 and 2019 are preliminary.
Source: U.S. Bureau of Labor Statistics; ©National Council on Compensation Insurance.
Number Of Tornadoes And Related Deaths Per Month, 2019 (1)
(1) Excludes Puerto Rico. A tornado that crosses state lines is counted as a single event in this chart.
Source: U.S. Department of Commerce, Storm Prediction Center, National Weather Service.
Asset Allocation For 401(k) Plans, 2019
Source: Based on data from Investment Company Institute: Holden, Sarah, James Duvall and Elena Barone Chism. 2020. The Economics of Providing 401(k) Plans: Services, Fees and Expenses, 2019. ICI Research Perspective 25, No. 4 (July 2020). https://www.ici.org/pdf/per26-05.pdf.
Investments, Life/Annuity Insurers, Bond Portfolio, 2019 (1)
(1) Long-term bonds with maturity dates more than one year, as of December 31, 2019. Does not add to 100 percent due to rounding.
Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.
Operating Results, Property/Casualty Insurance, 2010-2019 (1)
($ billions)
(1) Excludes state funds.
(2) Net underwriting gain/loss plus net investment income.
Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.
Percent Change From Prior Year, Net Premiums Written And Policyholders' Surplus, P/C Insurance, 2010-2019 (1)
(1) After reinsurance transactions, excludes state funds.
Source: NAIC data, sourced from S&P Global market Intelligence, Insurance Information Institute.
Investments, Property/Casualty Insurers, 2019
(1) Cash and invested net admitted assets, as of December 31, 2019.
(2) Includes mortgage loans on real estate.
*Bonds represents 57.05% of total investments.
Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.
Percent Change From Prior Year, Net Premiums Written, Private Passenger Auto Insurance, 2010-2019
Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.
Homeowners Premiums As A Percent Of All P/C Premiums, 2019
Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.
Total Auto Net Premiums Written By Sector, 2019
($ billions)
Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.
Auto Share Of P/C Industry Net Premiums Written, 2019
($ billions)
Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.
Percent Change From Prior Year, Net Premiums Written, P/C Insurance, 1979-2019 (1)
(1) Excludes state funds and other residual market insurers.
(2) Adjusted for inflation by ISO using the GDP implicit price deflator.
Source: ISO®, a Verisk Analytics® business.
Property/Casualty Insurance Combined Ratio, 1979-2019 (1)
(1) Excludes state funds and other residual insurers.
Source: ISO©, a Verisk Analytics© company.
Homeowners Losses Ranked By Claims Severity (Average Claim), 2014-2018 (1)
(Weighted average, 2014-2018)
(1) For homeowners multiple peril policies (HO-2, HO-3, HO-5 and HE-7 for North Carolina). Excludes tenants and condominium owners policies. Accident year incurred losses, excluding loss adjustment expenses, i.e., indemnity costs per accident year incurred claims. Excludes Alaska,Texas and Puerto Rico.
(2) Includes coverage for unauthorized use of various cards, forgery, counterfeit money and losses not otherwise classified.
(3) Includes vandalism and malicious mischief.
Source: ISO®, a Verisk Analytics® business.
Homeowners Losses Ranked By Claims Frequency, 2014-2018 (1)
(Weighted average, 2014-2018)
(1) Claims per 100 house years (policies). For homeowners multiple peril policies (HO-2, HO-3, HO-5 and HE-7 for North Carolina). Excludes tenants and condominium owners policies. Excludes Alaska,Texas and Puerto Rico.
(2) Includes vandalism and malicious mischief.
(3) Includes coverage for unauthorized use of various cards, forgery, counterfeit money and losses not otherwise classified.
Source: ISO®, a Verisk Analytics® business.
Market Share Trends By Size Of Insurer, 1999-2019 (1)
(1) Based on direct premiums written. Excludes state funds and other residual market carriers.
Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.
Number Of Data Breaches And Records Exposed, 2010-2019
Source: Identity Theft Resource Center, 2019 End of Year Data Breach Report.
Retirement Funds Asset Mix, 2019
Source: Board of Governors of the Federal Reserve System, June 11, 2020.
U.S. P/C And L/A Insurance Premiums, 2019 (1)
($ billions)
(1) P/C: net premiums written after reinsurance transactions, excludes state funds; life/annuity: premiums, annuity considerations (fees for annuity contracts) and deposit-type funds. Both sectors include accident and health insurance.
Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.
Median And Average Personal Injury Jury Awards By Type Of Liability, 2018
(1) Represents the midpoint jury award. Half of awards are above the median and half are below.
Source: Reprinted with permission of Thomson Reuters, Current Award Trends in Personal Injury, 59th edition.
Motor Vehicle Deaths By Activity Of Person Killed, 2018
(1) Includes other non-occupants.
Source: U.S. Department of Transportation, National Highway Traffic Safety Administration.
World Life And Nonlife Insurance Direct Premiums Written, 2019 (1)
(US$ billions)
(1) Before reinsurance transactions.
(2) Includes accident and health insurance.
Source: Swiss Re, sigma, No. 4/2020.
Insurance Expenditures As A Percentage Of Total Household Spending, 2019
Note: Percentages do not add up to 100 percent due to rounding.
(1) Excludes insurance.
Source: U.S. Department of Labor, Bureau of Labor Statistics.
Total Insurance Premiums, Emerging Markets, 2019 (1)
(US$ millions)
(1) Includes life and nonlife insurance premiums.
Source: Insurance Information Institute using data from Swiss Re, sigma, No. 4/2020.
.
Driver Handheld Cellphone Use By Age, 2009-2018 (1)
(1) Percent of all drivers using handheld cellphones.
Source: U.S. Department of Transportation, National Highway Traffic Safety Administration.
Life Individual Market Share by Distribution Channel, 2010 and 2019
(1) Includes brokers, broker-dealers, personal producing general agents and registered investment advisers.
(2) Includes agency building, multiline exclusive and home service agents.
(3) No producers are involved. Excludes direct marketing efforts involving agents. Includes internet sales where consumers submit online applications.
(4) Includes financial institutions, worksite and other channels.
Source: U.S. Individual Life Insurance Sales Trends, Industry Estimates, 1975-2019, LIMRA, 2020.
Individual Fixed Annuity Sales, 2015-2019 (1)
($ billions)
(1) Includes variable individual annuities sales which were less than $0.1 billion.
(2) Single premium contracts bought by property/casualty insurers to distribute awards in personal injury or wrongful death lawsuits over a period of time, rather than as lump sums.
Source: U.S. Individual Annuities, 2019 Year in Review, LIMRA, 2020.
Net Premiums Written, Personal And Commercial Lines, 2019
($ billions)
Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.
IRA Market Shares By Holder, 2015 And 2019
(Market value, end of year)
(1) Excludes variable annuities.
(2) Includes Keogh accounts.
(3) Includes savings banks, commercial banks and Keogh accounts.
Source: Board of Governors of the Federal Reserve System, June 11, 2020.
Fire Losses In The United States, By Line Of Insurance, 2019 (1)
(1) Estimated. Includes FAIR plan and uninsured losses.
Source: ISO®, a Verisk Analytics® business.
Loss Distribution By Type Of Insurance From Sept. 11 Terrorist Attack (1)
($ 2019 billions)
(1) Adjusted to 2019 dollars by the Insurance Information Institute using the U.S. Department of Labor BLS Calculator.
(2) Loss total does not include March 2010 New York City settlement of up to $657.5 million to compensate approximately 10,000 Ground Zero workers or any subsequent settlements.
Source: Insurance Information Institute.
U.S. Tornado Count, 2019
Source: U.S. Department of Commerce, National Oceanic and Atmospheric Administration, National Weather Service.
Life Individual Market Share by Distribution Channel, 2011 and 2020
(1) Includes brokers, broker-dealers, personal producing general agents and registered investment advisers.
(2) Includes agency building, multiline exclusive and home service agents.
(3) No producers are involved. Excludes direct marketing efforts involving agents. Includes internet sales where consumers submit online applications.
(4) Includes financial institutions, worksite and other channels.
Source: U.S. Individual Life Insurance Sales Trends, Industry Estimates, 1975-2020, LIMRA, 2021.
Employment Practices Liability Verdicts, By Defendant Type, 2013-2019 (1)
(1) Based on plaintiff and defendant verdicts rendered.
Source: Reprinted with permission of Thomson Reuters, Employment Practice Liability: Jury Award Trends And Statistics, 2020 edition.
Percent Of Female Workers In The U.S. Workforce And Selected Insurance Occupations, 2019
Source: U.S. Bureau of Labor Statistics, Current Population Survey.
Worksite Life Insurance Sales By Line Of Business, 2018
(1) Short-term and long-term disability.
Source: Eastbridge Consulting Group, Inc.
Number Of Drug Overdose Deaths, 2000-2019
(1) Drug overdose caused by prescription and illegal drugs.
Source: Centers for Disease Control and Prevention, National Center for Health Statistics.
Number Of Data Breaches And Individuals Impacted, 2015-2020
Source: Identity Theft Resource Center, 2020 year in review, Data Breach Report.
Principal Types Of Home Unintentional Injury Deaths, 2019
(1) Inhalation and ingestion of food or other object that obstructs breathing.
Source: National Safety Council estimates based on data from National Center for Health Statistics and state vital statistics departments.
Annual Number of Acres Burned in Wildland Fires, 1980-2020
*2004 fires and acres do not include state lands for North Carolina.
Source: National Interagency Fire Center.
U.S. Tornado Count, 2020
Source: U.S. Department of Commerce, National Oceanic and Atmospheric Administration, National Weather Service.
Number Of Tornadoes And Related Deaths Per Month, 2020 (1)
(1) Excludes Puerto Rico. A tornado that crosses state lines is counted as a single event in this chart.
Source: U.S. Department of Commerce, Storm Prediction Center, National Weather Service.
Percent Of Female Workers In The U.S. Workforce And Selected Insurance Occupations, 2020
Source: U.S. Bureau of Labor Statistics, Current Population Survey.
Deferred Annuity Assets, 2011-2020
($ billions, end of year)
Source: U.S. Individual Annuities, 4th Quarter 2020, LIMRA, 2021.
Cybercrime Complaints, 2016-2020 (1)
Identity Theft And Fraud Reports, 2016-2020 (1)
(1) Percentages are based on the total number of Consumer Sentinel Network reports by calendar year. These figures exclude "Do Not Call" registry complaints.
Source: Federal Trade Commission, Consumer Sentinel Network.
Homeowners Losses Ranked By Claims Severity (Average Claim), 2015-2019 (1)
(Weighted average, 2015-2019)
(1) For homeowners multiple peril policies (HO-2, HO-3, HO-5 and HE-7 for North Carolina). Excludes tenants and condominium owners policies. Accident year incurred losses, excluding loss adjustment expenses, i.e., indemnity costs per accident year incurred claims. Excludes Alaska, Texas and Puerto Rico.
(2) Includes vandalism and malicious mischief.
(3) Includes coverage for unauthorized use of various cards, forgery, counterfeit money and losses not otherwise classified. This figure is significantly lower than previous five-year results due to a change in the companies surveyed to produce the data.
Source: ISO®, a Verisk Analytics® business.
Homeowners Losses Ranked By Claims Frequency, 2015-2019 (1)
(Weighted average, 2015-2019)
(1) Claims per 100 house years (policies). One house-year represents policy coverage on a dwelling for 12 months. For homeowners multiple peril policies (HO-2, HO-3, HO-5 and HE-7 for North Carolina). Excludes tenants and condominium owners policies. Excludes Alaska, Texas and Puerto Rico.
(2) Includes vandalism and malicious mischief.
(3) Includes coverage for unauthorized use of various cards, forgery, counterfeit money and losses not otherwise classified.
Source: ISO®, a Verisk Analytics® business.
Median And Average Personal Injury Jury Awards By Type Of Liability, 2019
(1) Represents the midpoint jury award. Half of awards are above the median and half are below.
Source: Reprinted with permission of Thomson Reuters, Current Award Trends in Personal Injury, 60th edition.
Homeowners Premiums As A Percent Of All P/C Premiums, 2020
Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.
Workers Compensation Medical Costs, 2011-2020
(1) Based on states where the National Council on Compensation Insurance provides ratemaking services. Represents costs for injuries that resulted in time off from work. Data for 2020 are preliminary. Excludes COVID-19 claims.
Source: U.S. Bureau of Labor Statistics; ©National Council on Compensation Insurance.
Percent Change From Prior Year, Net Premiums Written, Private Passenger Auto Insurance, 2011-2020
Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.
Total Auto Net Premiums Written By Sector, 2020
($ billions)
Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.
Auto Share Of P/C Industry Net Premiums Written, 2020
($ billions)
Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.
Motor Vehicle Deaths Per 100,000 Persons By Age, 2019
Source: Insurance Institute for Highway Safety.
Life Individual Market Share by Distribution Channel, 2011 and 2020
(1) Includes brokers, broker-dealers, personal producing general agents and registered investment advisers.
(2) Includes agency building, multiline exclusive and home service agents.
(3) No producers are involved. Excludes direct marketing efforts involving agents. Includes internet sales where consumers submit online applications.
(4) Includes financial institutions, worksite and other channels.
Source: U.S. Individual Life Insurance Sales Trends, Industry Estimates, 1975-2020, LIMRA, 2021.
Investments, Life/Annuity Insurers, Bond Portfolio, 2020 (1)
(1) Long-term bonds with maturity dates over one year, as of December 31, 2020.
Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.
Market Share Trends By Size Of Insurer, 2000-2020 (1)
(1) Based on direct premiums written. Excludes state funds and other residual market carriers.
Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.
Motor Vehicle Deaths By Activity Of Person Killed, 2019
(1) Includes other non-occupants.
Source: U.S. Department of Transportation, National Highway Traffic Safety Administration.
Operating Results, Property/Casualty Insurance, 2011-2020 (1)
($ billions)
(1) Excludes state funds.
(2) Net underwriting gain/loss plus net investment income.
Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.
World Life And Nonlife Insurance Direct Premiums Written, 2020 (1)
(US$ billions)
(1) Before reinsurance transactions.
(2) Includes accident and health insurance.
Source: Swiss Re, sigma, 3/2021.
Growth In Net Premiums Written, Property/Casualty And Life/Annuity Insurance, 2011-2020
(Percent change from prior year)
(1) Net premiums written after reinsurance transactions, excludes state funds, includes accident and health insurance.
(2) Includes premiums, annuity considerations (fees for annuity contracts), deposit-type funds and accident and health insurance.
Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.
U.S. P/C And L/A Insurance Premiums, 2020 (1)
($ billions)
(1) P/C: net premiums written after reinsurance transactions, excludes state funds; life/annuity: premiums, annuity considerations (fees for annuity contracts) and deposit-type funds. Both sectors include accident and health insurance.
Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.
Property/Casualty And Life/Annuity Insurance Premiums, 2020 (1)
($ billions)
(1) Property/casualty: net premiums written after reinsurance transactions, excludes state funds; life/annuity: premiums, annuity considerations (fees for annuity contracts) and deposit-type funds. Both sectors include accident and health insurance.
Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.
Total Insurance Premiums, Emerging Markets, 2020 (1)
(US$ millions)
(1) Includes life and nonlife insurance premiums.
Source: Insurance Information Institute using data from Swiss Re, sigma, No. 3/2021.
Total Insurance Premiums, Emerging Markets, 2020 (1)
(US$ millions)
(1) Includes life and nonlife insurance premiums.
Source: Insurance Information Institute using data from Swiss Re, sigma, No. 3/2021.
Impact of Social Inflation By Year
Investments, Property/Casualty Insurers, 2020
(1) Cash and invested net admitted assets, as of December 31, 2020.
(2) Includes mortgage loans on real estate.
*Bonds represents 55.38% of total investments.
Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.
Individual Fixed Annuity Sales, 2016-2020 (1)
($ billions)
(1) Single premium contracts bought by property/casualty insurers to distribute awards in personal injury or wrongful death lawsuits over a period of time, rather than as lump sums.
Source: U.S. Individual Annuities, 2020 Year in Review, LIMRA, 2021.
Sales Of Individual Annuities By Distribution Channels, 2016 And 2020
Source: U.S. Individual Annuities, 2020 Year in Review, LIMRA, 2021.
Worksite Life Insurance Sales By Line Of Business, 2020
(1) Short-term and long-term disability.
Source: Eastbridge Consulting Group, Inc.
Property/Casualty Insurance Combined Ratio, 1996-2020
Source: NAIC data, sourced from S&P Global Market Intelligence; Insurance Information Institute.
Net Premiums Written, Personal And Commercial Lines, 2020
($ billions)
Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.
Percent Change From Prior Year, Net Premiums Written, P/C Insurance, 1997-2020
(1) Adjusted for inflation by the Insurance Information Institute using the GDP implicit price deflator.
Source: NAIC data, sourced from S&P Global Market Intelligence; Insurance Information Institute.
Percent Change From Prior Year, Net Premiums Written And Policyholders' Surplus, P/C Insurance, 2011-2020 (1)
(1) After reinsurance transactions, excludes state funds.
Source: NAIC data, sourced from S&P Global market Intelligence, Insurance Information Institute.
Insurance Expenditures As A Percentage Of Total Household Spending, 2020
Note: Percentages do not add up to 100 percent due to rounding.
(1) Excludes insurance.
Source: U.S. Department of Labor, Bureau of Labor Statistics.
Fire Losses In The United States, By Line Of Insurance, 2020 (1)
(1) Estimated. Includes FAIR plan and uninsured losses.
Source: ISO®, a Verisk Analytics® business.
Driver Hand Held Cellphone Use By Age, 2011-2020 (1)
(1) Percent of all drivers using hand held cellphones.
Source: U.S. Department of Transportation, National Highway Traffic Safety Administration.
Property/Casualty Distribution Channels by Net Premiums Written 2018 and 2022
(1) Less than 1 percent.
Source: © AM Best - used with permission.
Employment Practices Liability Verdicts, By Defendant Type, 2014-2020 (1)
(1) Based on plaintiff and defendant verdicts rendered.
Source: Reprinted with permission of Thomson Reuters, Employment Practice Liability: Jury Award Trends And Statistics, 2021 edition.
Number Of Drug Overdose Deaths, 2000-2020
U.S. Tornado Count, 2021
Source: U.S. Department of Commerce, National Oceanic and Atmospheric Administration, National Weather Service.
Number Of Tornadoes And Related Deaths Per Month, 2021 (1)
Percent Of Female Workers In The U.S. Workforce And Selected Insurance Occupations, 2021
Number Of Data Breaches And Individuals Impacted, 2015-2021
Cybercrime Complaints, 2017-2021 (1)
Identity Theft And Fraud Reports, 2017-2021 (1)
(1) Percentages are based on the total number of Consumer Sentinel Network reports by calendar year. These figures exclude "Do Not Call" registry complaints.
Source: Federal Trade Commission, Consumer Sentinel Network.
Principal Types Of Home Unintentional Injury Deaths, 2020
Sales Of Individual Annuities By Distribution Channels, 2017 And 2021
Source: U.S. Individual Annuities, GLIMPSE Quarterly Reports, LIMRA Secure Retirement Institute.
Sales Of Individual Annuities By Distribution Channels, 2017 And 2021
Source: U.S. Individual Annuities, GLIMPSE Quarterly Reports, LIMRA Secure Retirement Institute.
Lightning Fatalities By State, 2020
Source: U.S. Department of Commerce, National Oceanic and Atmospheric Administration, National Weather Service.
Deferred Annuity Assets, 2012-2021
Individual Fixed Annuity Sales, 2017-2021
Life Individual Market Share by Distribution Channel, 2012 and 2021
Investments, Property/Casualty Insurers, 2021
(1) Cash and invested net admitted assets, as of December 31, 2021.
(2) Includes mortgage loans on real estate.
*Bonds represents 53.02% of total investments.
Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.
Investments, Life/Annuity Insurers, Bond Portfolio, 2021 (1)
Market Share Trends By Size Of Insurer, 2001-2021 (1)
Homeowners Losses Ranked By Claims Severity (Average Claim), 2016-2020 (1)
Homeowners Losses Ranked By Claims Frequency, 2016-2020 (1)
Property/Casualty And Life/Annuity Insurance Premiums, 2021 (1)
(US$ billions)
(1) Property/casualty: net premiums written after reinsurance transactions, excludes state funds; life/annuity: premiums, annuity considerations (fees for annuity contracts) and deposit-type funds. Both sectors include accident and health insurance.
Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.
Growth In Net Premiums Written, Property/Casualty And Life/Annuity Insurance, 2012-2021
Percent Change From Prior Year, Net Premiums Written And Policyholders' Surplus, P/C Insurance, 2012-2021 (1)
Net Premiums Written, Personal And Commercial Lines, 2021
($ billions)
Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.
Property/Casualty Insurance Combined Ratio, 1997-2021
Percent Change From Prior Year, Net Premiums Written, P/C Insurance, 1997-2021
Homeowners Premiums As A Percent Of All P/C Premiums, 2021
Operating Results, Property/Casualty Insurance, 2012-2021 (1)
Percent Change From Prior Year, Net Premiums Written, Private Passenger Auto Insurance, 2012-2021
Total Auto Net Premiums Written By Sector, 2021
($ billions)
Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.
Auto Share Of P/C Industry Net Premiums Written, 2021
($ billions)
Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.
Worksite Life Insurance Sales By Line Of Business, 2021
Total Insurance Premiums, Emerging Markets, 2021 (1)
(US$ millions)
(1) Includes life and nonlife insurance premiums.
Source: Insurance Information Institute using data from Swiss Re, sigma, No. 4/2022.
Workers Compensation Medical Costs, 2012-2021
World Life And Nonlife Insurance Direct Premiums Written, 2021 (1)
(US$ billions)
(1) Before reinsurance transactions.
(2) Includes accident and health insurance.
Source: Swiss Re, sigma, 4/2022.
Motor Vehicle Deaths By Activity Of Person Killed, 2020
Motor Vehicle Deaths Per 100,000 Persons By Age, 2020
Insurance Expenditures As A Percentage Of Total Household Spending, 2021
Note: Percentages do not add up to 100 percent due to rounding.
(1) Excludes insurance.
Source: U.S. Department of Labor, Bureau of Labor Statistics.
Property/Casualty Distribution Channels by Net Premiums Written 2017 and 2021
(1) Less than 1 percent.
Source: © AM Best - used with permission.
Fire Losses In The United States, By Line Of Insurance, 2021 (1)
Annual Number of Acres Burned in Wildland Fires, 1980-2021
*2004 fires and acres do not include state lands for North Carolina.
Source: National Interagency Fire Center.
Driver Hand Held Cellphone Use By Age, 2012-2021 (1)
(1) Percent of all drivers using hand held cellphones.
Source: U.S. Department of Transportation, National Highway Traffic Safety Administration.
Number Of Tornadoes And Related Deaths Per Month, 2022 (1)
U.S. Tornado Count, 2022
Source: U.S. Department of Commerce, National Oceanic and Atmospheric Administration, National Weather Service.
Percent Of Female Workers In The U.S. Workforce And Selected Insurance Occupations, 2022
Identity Theft And Fraud Reports, 2018-2022 (1)
(1) Percentages are based on the total number of Consumer Sentinel Network reports by calendar year. These figures exclude "Do Not Call" registry complaints.
Source: Federal Trade Commission, Consumer Sentinel Network.
Number Of Data Breaches And Individuals Impacted, 2016-2022
Cybercrime Complaints, 2018-2022 (1)
Number Of Drug Overdose Deaths, 2000-2021
Loss Distribution By Type Of Insurance From Sept. 11 Terrorist Attack (1)
($ 2021 billions)
(1) Adjusted to 2021 dollars by the Insurance Information Institute using the U.S. Department of Labor BLS Calculator.
(2) Loss total does not include March 2010 New York City settlement of up to $657.5 million to compensate approximately 10,000 Ground Zero workers or any subsequent settlements.
Source: Insurance Information Institute.
Sales Of Individual Annuities By Distribution Channels, 2018 And 2022
Source: U.S. Individual Annuities, GLIMPSE Quarterly Reports, LIMRA Secure Retirement Institute.
Deferred Annuity Assets, 2013-2022
Individual Fixed Annuity Sales, 2018-2022
Investments, Life/Annuity Insurers, Bond Portfolio, 2022 (1)
Property/Casualty And Life/Annuity Insurance Premiums, 2022 (1)
(US$ billions)
(1) Property/casualty: net premiums written after reinsurance transactions, excludes state funds; life/annuity: premiums, annuity considerations (fees for annuity contracts) and deposit-type funds. Both sectors include accident and health insurance.
Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.
U.S. P/C And L/A Insurance Premiums, 2021 (1)
($ billions)
(1) P/C: net premiums written after reinsurance transactions, excludes state funds; life/annuity: premiums, annuity considerations (fees for annuity contracts) and deposit-type funds. Both sectors include accident and health insurance.
Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.
Growth In Net Premiums Written, Property/Casualty And Life/Annuity Insurance, 2012-2022
Lightning Fatalities By State, 2022
Source: U.S. Department of Commerce, National Oceanic and Atmospheric Administration, National Weather Service.
Auto Share Of P/C Industry Net Premiums Written, 2022
($ billions)
Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.
Total Auto Net Premiums Written By Sector, 2022
($ billions)
Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.
Percent Change From Prior Year, Net Premiums Written, Private Passenger Auto Insurance, 2013-2022
Homeowners Losses Ranked By Claims Frequency, 2017-2021 (1)
Homeowners Losses Ranked By Claims Severity (Average Claim), 2017-2021 (1)
Life Individual Market Share by Distribution Channel, 2013 and 2022
Investments, Property/Casualty Insurers, 2022
(1) Cash and invested net admitted assets, as of December 31, 2022.
(2) Includes mortgage loans on real estate.
*Bonds represents 55.31% of total investments.
Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.
Property/Casualty Insurance Combined Ratio, 1998-2022
Percent Change From Prior Year, Net Premiums Written And Policyholders' Surplus, P/C Insurance, 2013-2022 (1)
Operating Results, Property/Casualty Insurance, 2013-2022 (1)
Net Premiums Written, Personal And Commercial Lines, 2022
($ billions)
Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.
Percent Change from Prior Year, Net Premiums Written, P/C Insurance, 1998-2022
Homeowners Premiums As A Percent Of All P/C Premiums, 2022
Market Share Trends By Size Of Insurer, 2002-2022 (1)
U.S. Excess And Surplus Lines Share Of PC Industry Direct Premiums Written, 2015-2024 (1)
Worksite Life Insurance Sales By Line Of Business, 2022
Principal Types Of Home Unintentional Injury Deaths, 2022
Total Insurance Premiums, Emerging Markets, 2022 (1)
(US$ millions)
(1) Includes life and nonlife insurance premiums.
Source: Insurance Information Institute using data from Swiss Re, sigma, No. 3/2023.
World Life And Nonlife Insurance Direct Premiums Written, 2022 (1)
(US$ billions)
(1) Before reinsurance transactions.
(2) Includes accident and health insurance.
Source: Swiss Re, sigma, 3/2023.
Workers Compensation Medical Costs, 2013-2022
Motor Vehicle Deaths By Activity Of Person Killed, 2021
Motor Vehicle Deaths Per 100,000 Persons By Age, 2021
Fire Losses In The United States, By Line Of Insurance, 2022 (1)
Annual Number of Acres Burned in Wildland Fires, 1980-2022
*2004 fires and acres do not include state lands for North Carolina.
Source: National Interagency Fire Center.
U.S. Tornado Count, 2023
Source: U.S. Department of Commerce, National Oceanic and Atmospheric Administration, National Weather Service.
Number Of Tornadoes And Related Deaths Per Month, 2023 (1)
Percent Of Female Workers In The U.S. Workforce And Selected Insurance Occupations, 2023
Driver Hand Held Cellphone Use By Age, 2013-2022 (1)
(1) Percent of all drivers using hand held cellphones.
Source: U.S. Department of Transportation, National Highway Traffic Safety Administration.
Number Of Data Compromises (1) And Individuals Impacted, 2015-2023
Number of Drug Overdose Deaths, 2002-2022
Identity Theft And Fraud Reports, 2019-2023 (1)
(1) Percentages are based on the total number of Consumer Sentinel Network reports by calendar year. These figures exclude "Do Not Call" registry complaints.
Source: Federal Trade Commission, Consumer Sentinel Network.
Cybercrime Complaints, 2019-2023 (1)
Sales Of Individual Annuities By Distribution Channels, 2019 And 2023
Source: U.S. Individual Annuities, GLIMPSE Quarterly Reports, LIMRA Secure Retirement Institute.
Deferred Annuity Assets, 2014-2023
Individual Fixed Annuity Sales, 2019-2023
Lightning Fatalities By State, 2023
Source: U.S. Department of Commerce, National Oceanic and Atmospheric Administration, National Weather Service.
Investments, Life/Annuity Insurers, Bond Portfolio, 2023 (1)
Investments, Property/Casualty Insurers, 2023
(1) Cash and invested net admitted assets, as of December 31, 2023.
(2) Bonds represents 54.5% of total investments.
(3) Includes mortgage loans on real estate.
Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.
Property/Casualty Insurance Combined Ratio, 1999-2023
Percent Change From Prior Year, Net Premiums Written And Policyholders' Surplus, P/C Insurance, 2014-2023 (1)
U.S. P/C And L/A Insurance Premiums, 2023 (1)
($ billions)
(1) P/C: net premiums written after reinsurance transactions, excludes state funds; life/annuity: premiums, annuity considerations (fees for annuity contracts) and deposit-type funds. Both sectors include accident and health insurance.
Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.
Property/Casualty And Life/Annuity Insurance Premiums, 2023 (1)
(US$ billions)
(1) Property/casualty: net premiums written after reinsurance transactions, excludes state funds; life/annuity: premiums, annuity considerations (fees for annuity contracts) and deposit-type funds. Both sectors include accident and health insurance.
Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.
Growth In Net Premiums Written, Property/Casualty And Life/Annuity Insurance, 2014-2023
Operating Results, Property/Casualty Insurance, 2014-2023 (1)
Net Premiums Written, Personal And Commercial Lines, 2023
($ billions)
Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.
Total Auto Net Premiums Written By Sector, 2023
($ billions)
Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.
Auto Share Of P/C Industry Net Premiums Written, 2023
($ billions)
Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.
Percent Change from Prior Year, Net Premiums Written, P/C Insurance, 1999-2023
Homeowners Premiums As A Percent Of All P/C Premiums, 2023 (1)
Market Share Trends By Size Of Insurer, 2003-2023 (1)
Percent Change From Prior Year, Net Premiums Written, Private Passenger Auto Insurance, 2014-2023
Life Individual Market Share By Distribution Channel, 2014 And 2023
Workers Compensation Medical Costs, 2014-2023
Worksite Life Insurance Sales By Line Of Business, 2023
U.S. Excess And Surplus Lines Share Of PC Industry Direct Premiums Written, 2014-2023 (1)
U.S. Excess And Surplus Lines Share Of PC Industry Direct Premiums Written, 2014-2023 (1)
Principal Types Of Home Unintentional Injury Deaths, 2022
Homeowners Losses Ranked By Claims Frequency, 2018-2022 (1)
Homeowners Losses Ranked By Claims Severity (Average Claim), 2018-2022 (1)
Motor Vehicle Deaths By Activity Of Person Killed, 2022
Motor Vehicle Deaths Per 100,000 Persons By Age, 2022