Posted: March 4th, 2014

Ex credit assaiment

EXTRA CREDIT ASSIGNMENT

Worth up to 4 percentage points towards your final average!
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Note:  Because this assignment is extra credit, issuing credit is at the professor’s discretion—there are no guarantees AND THERE IS NO APPEAL.  Sloppy or incomplete assignments will receive a zero or less than full credit.  Scores will not be known by students until AFTER THE FINAL!

Pick a US-based, publicly traded insurance company.  You are to produce a report about the company you chose that includes the following:

Company News
A Chart of the Company’s Stock Performance
Accounting Ratio Analysis (see other document)
A Description of the Company
What YOU Find Interesting About the Company
The Company’s Competitors
The Future Outlook for This Company
Anything Else You Find Relevant

You are to make your own judgment, although you can ask questions in class so that everyone may benefit from the answer.

Your document will be judged on its content and appearance.  The Company need not be doing well—I will judge your performance solely on how the quality of the information you provide.  DO NOT SIMPLY COPY MATERIAL FROM THE INTERNET WITHOUT PROPER CITATION OR YOU WILL FAIL THE COURSE.  THE JUDGE’S OPINION IS FINAL!
Your paper should be submitted for review at turnitin.com

Principles of Insurance

Accounting Ratios

Here are the Four Accounting Ratios You Need in Your Paper:

Loss Ratio = (Losses + Loss Adjustment Expenses)/Net Premiums Earned

Expense Ratio = Underwriting Expenses/Net Premiums Written

Return on Equity = Net Income/Owners Equity

Loss Reserves-to-Suplus Ratio = ALL Loss Reserves/Surplus
(Surplus is also known as owners’ equity or net worth)
(Reserves are the sum of claims reserves, case reserves, unpaid losses, UPR)

Please think about the importance of each.

If you cannot determine these ratios from the financial information you have, do the best you can and explain what you did.

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