U.S. life insurers have taken it on the chin during the novel coronavirus epidemic, but investors may not be focused on one of the biggest threats they face.
The unprecedented collapse in bond yields is the financial risk that executives and analysts are fretting over. It is no trifling matter, especially if rates stay low and insurers struggle to earn a decent return on their massive portfolios. Insurers also have credit risk in their huge investment portfolios.
telisdemos
telisdemos You can care less about people. All you care about is your wallet. You people think everyone is stupid. Straight to the depths of hell is were you cowards are going.
pdacosta telisdemos Don’t worry they will find a way to not pay out.
telisdemos Tiny violins.
telisdemos Yeah well, 1.) All their bonds are up right now. 2.) Presumably they heard of this thing called diversification. 3.) The COVID-19 deaths are mostly in the 70's and 80's. Far fewer people in their 70's and 80's carry large life insurance policies.
telisdemos Moral of the story is don’t die now
telisdemos 100 dead old people.... hits them hard?
telisdemos many things missing! (1) life insurers hold annuities too. they have to pay less on these as ppl die. (2) spanish flu is a lousy comparison. reverse-quarantine. no idea re dna. curr scale of biol r&d. (3) coronavirus is correlated risk. life ins is abt diversified risk. etc.
telisdemos Because they. can not afford the payment of curing themselves, American can just wait to death . However Chinese need not to pay any money
telisdemos Always worth following and reading the FT’s telisdemos aka James Bond (private joke).
telisdemos lmao people are dying and all y’all care about is straight up money, gtfo
telisdemos If only more people had access to healthcare without crushing medical debts If only more people could stay home and not risk infecting more people If only, if only...
telisdemos 32 deaths to date hasnt hurt any insurer. It could , but certainly hasnt yet
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