Research and Markets: USA Insurance Market Intelligence - Market Size & Trends in Insurance Premiums of Life & Non-Life Insurance Sectors

DUBLIN--(Business Wire)--
Research and Markets
(http://www.researchandmarkets.com/research/18ebf7/usa_insurance_mark) has
announced the addition of the "USA Insurance Market Intelligence" report to
their offering.

The US insurance market is regarded as one of the best markets in the world,
given its wide range of products and excellent customer service. Insurance
regulation in the country is fragmented among state authorities but it is
coordinated through the National Association of Insurance Commissioners (NAIC).
The insurance market in the US primarily functions through two broad categories;
namely life and non-life insurance. The non-life segment is relatively broad.
Apart from these two categories, there is specialty insurance that includes
title insurance, surety bonds, financial guarantee and mortgage guarantee
insurance.

The life insurance premiums witnessed a slight decline in 2008 on account of
economic slowdown, rising unemployment and loss of income. The P&C segment has
witnessed growth mainly on account of two mandatory lines: third party
automobile insurance, and workers' compensation (for work accidents). Although
the insurance industry did register a slight growth in premium income (mainly
due to health & pension) in 2008, the impact of the financial crisis was visible
on the insurance industry in Q109 when it recorded a slowdown in premium earned.
The US P&C sector is highly fragmented with State Farm Group and American
International Group being the largest insurers. Significant catastrophe losses
in 2008, coupled with the decline in investment income due to the 2008 financial
turmoil in credit and equity markets, will continue to affect earnings of the US
insurance market in the coming quarters.

The present report gives an overview of the US insurance market along with the
analysis of the American political structure and economic growth. The report
provides an insight into the market size and trends in insurance premiums of
life and non-life insurance sectors. Insurance premiums are discussed in terms
of life and non-life segments and the density and penetration levels. The
various developments and drivers are also discussed and finally the projections
regarding premium growth are given.

By combining SPSS Inc.'s data integration and analysis capabilities with our
relevant findings, we have predicted the future growth of the industry. We
employed various significant variables that have an impact on this industry and
created regression models with SPSS Base to determine the future direction of
the industry. Before deploying the regression model, the relationship between
several independent or predictor variables and the dependent variable was
analyzed using standard SPSS output, including charts, tables and tests.

Key Topics Covered:

1. Industry Snapshot
1.1 Industry Structure
1.2 Market Overview

2. Industry Analysis
2.1 Industry Developments
2.2 Market Drivers

3. Country Analysis: Risk Assessment
3.1 Political Environment
3.2 Macro-Economic Indicators: Current and Projections

4. Industry Outlook: Forecast and Projections
4.1 Increased Number of Claims and Losses in Mortgage Market Eroding Profits of
P&C Insurers
4.2 Growth in Life Segment Expected to Remain Flat in Coming Quarters
4.3 Exposure to Commercial Real Estate Backed Securities Leading Losses to Life
Insurers
4.4 Declining Earnings of Life Insurers Due to Investment Portfolio Losses

For more information visit
http://www.researchandmarkets.com/research/18ebf7/usa_insurance_mark

Research and Markets
Laura Wood, Senior Manager
U.S. Fax: 646-607-1907
Fax (outside U.S.): +353-1-481-1716
press@researchandmarkets.com

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