There are three main insurance sectors. Property/casualty (P/C) consists mainly of auto, home and commercial insurance. Life consists mainly of life insurance and annuity products. Most private health insurance is written by insurers whose main business is health insurance. However, life and P/C insurers also write health coverage. In 2017 P/C net premiums written rose by 4.6 percent while life net premiums written fell by 0.5 percent.