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Research Division

The NAIC Research Division is committed to providing insurance regulators, consumers, academics, industry and government entities and other interested persons with insurance statistical, financial and market conduct information for both economic analysis and regulatory monitoring of the insurance marketplace.

Top 25 Market Share for Life/Fraternal & Property/Casualty
We are providing 2007 Market Share premium data for the top 25 insurers of select property and casualty lines of business. The Top 25 Market Share report includes countrywide direct written premium for the top 25 groups and companies as reported on the State Page of the annual statement for insurers that report to the NAIC.

The Top 25 Life Market Share uses combined data from the life/health annual statement and the fraternal annual statement so that the life insurance market can be seen in its entirety. Cumulative market share data for this report is shown for the following lines of business:

  • Life insurance;
  • Annuity Considerations;
  • Totals of Life Insurance, Annuity Considerations, Deposit-type Contracts, Other Considerations, and Accident and Health Insurance.

The Top 25 Property/Casualty Market Share uses data from the property/casualty annual statement. Cumulative market share data for this report is shown for the following lines of business:

  • Personal Auto;
  • Commercial Auto;
  • Workers’ Compensation;
  • Medical Malpractice;
  • Homeowners; and,
  • Liability.

The Top 25 Market Share report helps to provide an indicator of the degree of market concentration in a line of business as well as identifying leading insurance writers.

The Top 25 Market Share reports will be refreshed on each Monday through mid-April. Click to access the Top 25 Life Market Share or Top 25 Property/Casualty Market Share reports.

Note: As reported in the 2006 Market Share Reports, the total premium in 2006 was $512 billion for property and casualty lines of business and $697 billion for life and fraternal lines of business.

Research Contacts
Eric Nordman
Director of Research
816-783-8005
Joe Bieniek
Manager
Statistical Information
816-783-8226
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NAIC Committees
Life and Health Actuarial Task Force
Property and Casualty Insurance (C) Committee
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Statistical Reports
Sample pages from the most recent reports are available by clicking the links below each report's description. To purchase full reports or other Research Division publications, please visit the NAIC Store.
Property/Casualty Reports
Auto Insurance Database
Information by state about auto insurance premiums and losses and the costs that affect auto insurance, such as hospitalization charges, auto theft and accident rates, and insurance and traffic laws.
Sample Report

Homeowners Insurance
Reports on homeowners dwelling, fire and tenant insurance. Contains a summary of market distribution and average cost by policy form and amounts of insurance specific information for each state regarding number of homeowners policies written, amount of insurance and average premiums. Contains the latest available year of data. Updated annually in the fourth quarter.
Sample Report

Caveats Regarding the Use of Average Premium Data for Comparisons

Commercial Lines Competition
A reference for examining the competitiveness of state insurance markets. This report is meant to be a starting point for studies of competition and can provide insight when used to make multi-state and multi-year comparisons. The report includes various structural and performance measures that are readily determinable or available from NAIC databases or other sources.
Sample Report
Medical Malpractice Insurance Report
Studies the market conditions for medical professional liability insurance, often known as medical malpractice. The study is based on a review of historical data collected and compiled by the NAIC as well as a review of other studies of medical malpractice. The purpose of this study is to provide, at the request of the NAIC’s Market Conditions Working Group, a synopsis of the financial condition of medical liability insurance market from 1991 to 2007 as well as a survey of independent research that has been performed on potential solutions, both tort and non-tort related.
Historical Data
Life/Health Reports
Long-Term Care Insurance Experience
Based on the Long-Term Care Experience Reporting Form B for the annual statement filed with the NAIC. Contains company-specific experience for all forms combined, with the experience segmented by calendar durance, and company-specific experience displayed on a form-by-form basis. Annual reports available since 1992. Updated annually in the fourth quarter.
Sample Report
Medicare Supplement Loss Ratios
Contains the latest available data drawn from Medicare Supplement Insurance Expense Exhibits filed with the NAIC. Exhibits identify direct premiums earned, market share, direct claims earned and loss ratios. Contains the latest available data. Annual reports available since 1990. Updated annually in the fourth quarter.
Sample Report
 
Miscellaneous Reports

Quick Stats
Quick Stats are statistical overviews and analyses of the 2006 change in insurer underwriting results, net income including investment income, and revenue.
Life
Property and Casualty

Insurance Department Resources
Provides an in-depth look at the resources of the 55 insurance departments. State-by-state comparative report includes a variety of information, including size of budget and staff, examination and oversight data, premiums written, number of agents/brokers and number of consumer complaints. Data displayed for easy reference and comparison. Updated annually in the fourth quarter.
Sample Report

Market Share Reports
A ready desk reference for identifying the top 10 company groups for each annual statement line of business. Allows monitoring of increases and decreases in market share and overall size of the market and level of market concentration. Contains the latest available data for Property/Casualty, Life and Fraternal and Accident & Health. Updated annually in the fourth quarter.
Life/Fraternal Sample Report
Property/Casualty Sample Report
Accident/Health Sample Report

Profitability by Line by State
Statistics derived from state page data in the annual statement and the Insurance Expense Exhibit can be used to compare profitability among different states and property/casualty lines. For each line and each state, presents aggregate statistics on premiums, losses, expenses, investment income and estimated profits for the preceding calendar year. Shows estimated underwriting profits and operating profits, as well as estimated profits for the preceding calendar year. Updated annually in the fourth quarter.
Sample Report

Statistical Compilation
These publications provide aggregate annual statement data for property/casualty, life/health insurance companies, all HMOs and companies that write accident and health insurance and file annual statements with the NAIC. Updated annually in the fourth quarter.
Property/Casualty Sample Report
Life Sample Report
Health Sample Report

Risk Based Capital (RBC) Industry Overview Results
Risk Based Capital Industry Overview Results publications provide information regarding the distribution of companies by regulatory intervention levels, median RBC ratios by asset size and other related components for the life industry, health industry, and property and casualty industry.
2006:
Life
Health
Property & Casualty Industry