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Insurers Are Earning Far More Than You Realize

Posted On February 2, 2023February 2, 2023 By Ian1 Comment

Investors spend a lot of time modeling the earnings of insurance companies and I was no different. However, I never found traditional GAAP models satisfying, so I had a number of alternate ways of looking at the quality of an insurer’s earnings. Today, I thought I’d share one as it Continue Reading

Category: Entries

This Cat Market Cycle Is Not Like The Others

Posted On January 24, 2023January 24, 2023 By Ian2 Comments

Reinsurance prices were up ~50% at January 1. While most observers would tell you my hurricane is responsible, I think that’s a myth. What we are now experiencing is a market hardening unlike previous cycles, except one. It is acting like the oil market of last year. What do I Continue Reading

Category: Entries

What You Missed This Week

Posted On January 20, 2023January 20, 2023 By Ian2 Comments

Going to try something new this week since I didn’t have time for a full post (don’t worry, one is largely done for next week). So if I didn’t post anything this week, what did you miss? Plenty! I share a number of shorter thoughts on Twitter that aren’t enough Continue Reading

Category: Entries

The Most Value Destructive Thing An NFL Team Can Do

Posted On January 13, 2023January 13, 2023 By Iancomment

Editor’s Note: 1) The annual NFL playoff predictions are back at the end of the post.2) If you missed yesterday’s post on the amazing Informed deductible calculator, give it a look. So much of success in professional team sports comes from decisions made off the field. It’s not enough to Continue Reading

Category: Entries

Introducing The Informed Deductible Savings Calculator

Posted On January 12, 2023January 12, 2023 By Iancomment

If you missed yesterday’s post, you may want to start there to get the background. So yesterday, I made the case that there is a problem with how insurance buyers are given poor advice and end up with expensive low deductibles that often aren’t in their best interest. I’m sure Continue Reading

Category: Entries

What the Insurance Company Doesn’t Want You To Know

Posted On January 11, 2023January 11, 2023 By Iancomment

Volume I: Your Deductible Is Too Low Editor’s Note: This is going to be a record setting week…for the first time, there will be not one, not two, but three posts in a week! There will be a follow up to this tomorrow and then my Super Bowl predictions are Continue Reading

Category: Entries

New Year’s Flashback: Revisiting Past Predictions

Posted On January 5, 2023January 5, 2023 By Iancomment

Last week, I looked back at some of 2022’s predictions, but this blog has made a lot of successful predictions over the years. In fact, I think it’s one of the core strengths of what I do here. I sometimes forget most people reading probably have not been around for Continue Reading

Category: Entries

Grading My 2022 Predictions: Pretty Good!

Posted On December 29, 2022December 29, 2022 By Ian1 Comment

At the beginning of the year, I did a silly thing. I made a bunch of predictions for the year. This blog has a pretty strong record of predictions over the years, but I had never fallen for the nonsense of making topical annual predictions…until this year. Now, the thing Continue Reading

Category: Entries

Florida Fails To Avert the Imminent Insurance Crisis

Posted On December 20, 2022December 20, 2022 By Ian1 Comment

Florida held a special legislative session last week to try to save the homeowner’s insurance market. While they accomplished some positive long term improvements, unfortunately, they did little to address the looming capacity crisis. This means a lot of Floridians are going to find themselves either a) without insurance or Continue Reading

Category: Entries

Can The Florida Insurance Debacle Be Solved?

Posted On December 12, 2022December 13, 2022 By Iancomment

Florida is holding another special legislative session this week to address the failed home insurance market. With FHCF wobbling, the future of many private insurers in the balance, and many residents being priced out of the market, the need for a solution has never been more pressing. Currently, nearly every Continue Reading

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