Profitability, Growth and Efficiency in the US Life Insurance Industry

This study explores the relationship between operational efficiency and profitability and growth in the life Insurance industry, and provides a framework for linking operating performance and financial success. Earnings and growth have particular importance to life insurance companies; earnings and capital determine the viability of the insurer, while growth is paramount to the insurance operation. Since the life insurance industry is mature and highly competitive, cost efficiency may be the main driver of profitability and growth.

Provided by: University of Toronto Topic: Date Added: Jun 2002 Format: PDF

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