②累计退保规模 2款超100亿，4款超50亿 3个万能，2个投连，1个年金 ③行业退保率"两连降" 终身寿险退保增多 ，万能险减少 1 2024年 73家寿险公司 综合退保率 约900款产品累计退保近1.8千亿 1. 73家寿险公司退保率：2家超8%，4家超4%！ 2 0 24年，人身险公司的净利润同比大涨130%，首次突破3千亿，这背后得益于资产和负 债两端发展向好。 一方面，资产端积极布局，抓住市场机遇，再加上，部分公司提前执行新准则，即期利 率下降、综合投资收益率大幅提升。 | ਹੀ। ਕੁਰ | 公司简称 | | 综合退保率 | | 部分产品 | 规模 | | --- | --- | --- | --- | --- | --- | --- | | | | 2024 | 2023 | | 退保规模 | | | 1 | 德华安顾 | 11.55% | 5.49% | 6.06% | 6.81 | 其他 | | 2 | 弘康人寿 | 8.10% | 4.71% | 3.39% | 62.04 | 其他 | | 3 | 大家养老 | 6.80% | 47.90% | -41.10% | 2.74 | 具他 | ...

Core Insights - Chubb Limited (CB) shares have increased by 1.1% over the past year, underperforming the industry and broader market growth rates of 7.9%, 19%, and 18.3% respectively [1] - The company has a market capitalization of $108.04 billion, with an average trading volume of 1.8 million shares over the last three months [1] Valuation - Chubb's shares are currently trading at a price-to-book value of 1.45, slightly above the industry average of 1.42 [2] Growth Projections - The Zacks Consensus Estimate projects Chubb's 2025 revenues at $59.41 billion, reflecting a year-over-year growth of 5.6% [3] - For 2026, earnings per share and revenues are expected to increase by 17.8% and 6.3% respectively compared to 2025 estimates [3] Analyst Sentiment - Nine out of eleven analysts have raised their estimates for Chubb's 2025 earnings, with five also increasing estimates for 2026 in the past 30 days [4] - The Zacks Consensus Estimate for 2025 earnings has risen by 1.4% and for 2026 by 0.2% during the same period [4] Earnings Forecast - Current earnings estimates for the current quarter, next quarter, current year, and next year are $5.40, $6.38, $21.51, and $25.34 respectively [5] Long-term Growth Factors - Chubb's strong renewal retention and solid dividend history position it well for sustained long-term growth [7] - The company is enhancing its core and specialty product offerings to support long-term expansion [7] - Chubb's robust capital position allows for funding growth initiatives and returning capital to shareholders [7] Target Price and Upside Potential - The average price target from 20 analysts is $303.25 per share, indicating a potential upside of 11.8% from the last closing price [8] Earnings Performance - Chubb has consistently surpassed earnings estimates in the last four quarters, with an average surprise of 10.85% [10] Return on Capital - Chubb's return on equity over the trailing 12 months is 12.3%, significantly higher than the industry average of 7.6% [11] - The return on invested capital (ROIC) has been increasing, currently at 8%, compared to the industry average of 5.8% [12] Strategic Initiatives - Chubb is focusing on middle-market businesses and enhancing traditional core packages and specialty products for growth [13] - The company is pursuing strategic mergers and acquisitions to diversify its portfolio and expand its geographic footprint, including recent agreements to acquire Liberty Mutual's insurance businesses in Thailand and Vietnam [14] Investment Income Outlook - Despite the Federal Reserve lowering interest rates, Chubb expects improved operating cash flow to benefit investment income, with a projected quarterly adjusted net investment income run rate between $1.72 billion and $1.74 billion for Q3 2025 [15] Dividend History - Chubb has a strong dividend history, having increased dividends for 31 consecutive years, with a planned hike of 6.5% this year, resulting in a dividend yield of 1.43%, outperforming the industry average of 0.2% [18]

Core Insights - Cincinnati Financial Corporation (CINF) shares have increased by 16.6% over the past year, outperforming the industry growth of 7.9% but underperforming the Finance sector and the Zacks S&P 500 composite returns of 19% and 18.3% respectively [1] - The company has a market capitalization of $23.43 billion, with an average trading volume of 0.5 million shares over the last three months [1] Valuation - CINF is currently trading at a forward 12-month price-to-book ratio of 1.64X, which is above the industry average of 1.42X [2] Technical Analysis - The stock closed at $149.88, which is 7.3% below its 52-week high of $161.75, and is trading above the 50-day and 200-day simple moving averages of $148.43 and $144.65 respectively, indicating solid upward momentum [3] Dividend Performance - CINF has a history of 65 consecutive years of dividend increases, with a current yield exceeding the industry average [5][13] - The company actively returns capital to shareholders, reflecting strong operating performance and financial flexibility [5] Growth Projections - The Zacks Consensus Estimate for CINF's 2025 revenues is $11.16 billion, representing a year-over-year improvement of 12.2% [6] - For 2026, the consensus estimates indicate an increase of 43.1% in earnings per share and 8.8% in revenues compared to 2025 [6] - CINF has shown earnings growth of 15.8% over the past five years and has beaten earnings estimates in three of the last four quarters with an average surprise of 41.23% [6] Analyst Sentiment - Five out of seven analysts covering CINF have raised their estimates for 2025, and three have raised estimates for 2026 in the past 30 days, leading to a 9.8% and 1.3% increase in the Zacks Consensus Estimates for 2025 and 2026 respectively [7] Price Target - The average price target for CINF, based on short-term estimates from six analysts, is $162.00 per share, suggesting a potential upside of 7.9% from the last closing price [8] Competitive Advantages - CINF benefits from prudent pricing, an agent-centric model, and disciplined growth in Cincinnati Re, contributing to above-average industry premium growth [10] - The Excess and Surplus line has performed well since its inception in 2008, with expectations for continued growth due to new business premiums and improved pricing [11] Cash Flow and Capital Management - CINF has maintained a free cash flow conversion rate of over 150% in recent quarters, indicating solid earnings [12] - The company has returned capital to shareholders through share buybacks and regular cash dividends, with a dividend yield of 2.3%, significantly higher than the industry average of 0.2% [13] Overall Assessment - Factors such as higher insured exposures, rate increases, agent-focused business models, consistent cash flow, and prudent capital deployment position CINF as a strong investment candidate [14] - The combination of impressive dividend history, solid growth projections, and optimistic analyst sentiment suggests a favorable outlook for potential investors [15]

Company Overview - Everest Group is a Delaware reinsurance company established in 1999, based in Warren, NJ, and operates as a property and casualty insurer and reinsurer across the U.S., District of Columbia, Puerto Rico, and Guam [11] - As of December 31, 2024, Everest Reinsurance reported a statutory surplus of $5.6 billion [11] - The company's strategy focuses on maintaining leadership in targeted reinsurance and insurance markets, effective management throughout the underwriting cycle, and achieving attractive returns for shareholders [11] Investment Ratings - Everest Group currently holds a 3 (Hold) rating on the Zacks Rank, with a VGM Score of A [12] - The company has a Value Style Score of A, supported by a forward P/E ratio of 7.19, indicating attractive valuation metrics for value investors [12] - In the last 60 days, four analysts have revised their earnings estimates higher for fiscal 2025, with the Zacks Consensus Estimate increasing by $0.24 to $45.95 per share [12] Performance Indicators - Everest Group has demonstrated an average earnings surprise of +3.4%, suggesting a positive trend in earnings performance [12] - With a solid Zacks Rank and top-tier Value and VGM Style Scores, Everest Group is recommended for investors' consideration [13]

ATLANTA, Aug. 12, 2025 (GLOBE NEWSWIRE) -- A shareholder class action lawsuit has been filed against SelectQuote, Inc. ("SelectQuote" or the "Company") (NYSE: SLQT). The lawsuit alleges that: (1) that the Company was directing Medicare beneficiaries to the plans offered by insurers that best compensated SelectQuote, regardless of the quality or suitability of the insurers' plans; (2) that SelectQuote did not provided unbiased comparison shopping for Medicare Advantage insurance plans; (3) that SelectQuote r ...

Core Viewpoint - Sun Life (SLF) has experienced a significant decline of 9.4% over the past four weeks, but it is now in oversold territory, indicating a potential for a trend reversal as analysts expect better earnings than previously predicted [1]. Group 1: Technical Indicators - The Relative Strength Index (RSI) is a momentum oscillator that measures price movement speed and change, with readings below 30 indicating that a stock is oversold [2]. - SLF's current RSI reading is 27.38, suggesting that the heavy selling pressure may be exhausting, which could lead to a price rebound [5]. - Stocks oscillate between overbought and oversold conditions, and the RSI helps identify potential reversal points, making it a useful tool for investors seeking entry opportunities [3]. Group 2: Fundamental Indicators - There is a strong consensus among sell-side analysts that SLF's earnings estimates for the current year have increased by 0.8% over the last 30 days, which typically correlates with price appreciation [7]. - SLF holds a Zacks Rank 2 (Buy), placing it in the top 20% of over 4,000 ranked stocks based on earnings estimate revisions and EPS surprises, indicating a strong potential for a turnaround [8].

Activist investor 7Square is pushing German insurer Nuernberger Beteiligungs AG to consider rival takeover offers, saying a potential acquisition by Vienna Insurance Group wouldn’t reflect its full value https://t.co/Pf5PVmi6PB ...

Core Insights - TWFG Insurance has expanded its national presence through the acquisition of Angers & Litz Associates, marking a significant step in its Northeast growth strategy [1][3] - Angers & Litz, established in 1963, is recognized for its strong reputation in providing commercial and personal insurance solutions, which will enhance TWFG's market penetration and growth potential in the Northeast [2][3] - The acquisition aligns with TWFG's strategy to partner with culturally compatible, high-performing agencies, thereby strengthening its distribution capabilities and supporting independent agents [3] Company Overview - TWFG Insurance is a leading independent distribution platform for personal and commercial insurance in the United States, leveraging a network of independent agents and access to numerous carriers [4] - The company focuses on delivering tailored coverage solutions that enhance growth, efficiency, and customer satisfaction [4]

Analyst's Disclosure:I/we have a beneficial long position in the shares of KNSL either through stock ownership, options, or other derivatives. I wrote this article myself, and it expresses my own opinions. I am not receiving compensation for it (other than from Seeking Alpha). I have no business relationship with any company whose stock is mentioned in this article. I believe in fundamental analysis and disciplined market research. I have strong quant background with a Ph.D. (Chemical Engineering, Universit ...

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