Aflac Inc AFL stock prediction 2013

best insurance stock - Aflac Inc AFL stock prediction 2013, Aflac Inc AFL insurance stock performance outlook 2013 : Aflac Inc. (AFL) stock traded down 2.53% on Thursday, hitting $52.70. AFLAC has a 52-week low of $38.13 and a 52-week high of $54.93. The stock�s 50-day moving average is currently $52.81. The company has a market cap of $24.711 billion and a price-to-earnings ratio of 8.90.



Aflac Inc. (AFL)  What most consumers don't realize is that 80% of Aflac's business comes from Japan, where it is the number one life insurance company. In the U.S., Aflac is the number one provider of voluntary worksite insurance, and its policies pay cash benefits directly to the insured. One of my favorite things about Aflac as an investment is that the company has one of the best records of dividend increases I have ever come across, with 29 consecutive years of increases.

AFLAC last released its earnings data on Tuesday, October 23rd. The company reported $1.77 earnings per share (EPS) for the quarter, beating the consensus estimate of $1.66 by $0.11. The company�s revenue for the quarter was up 14.4% on a year-over-year basis. AFLAC has set its Q4 guidance at $1.46-1.51 EPS. Analysts expect that AFLAC will post $6.61 EPS for the current fiscal year.

Currently yielding $1.40 annually, or 2.68%, it is a fairly safe assumption that the increases will continue going forward. Also worth noting is that Aflac trades at only 8.2 times 2012 earnings, which are expected to grow considerably going forward. Consensus estimates call for earnings of $6.92 and $7.38 in 2013 and 2014, respectively. Conservatively assuming the P/E ratio gravitates toward the historic average of around 9 times earnings, this gives us one and two year price targets of $62.28 and $66.42.

AFLAC Stock rating by analyst
AFLAC (NYSE: AFL) was downgraded by equities researchers at JPMorgan Chase from an �overweight� rating to a �neutral� rating in a report issued on Thursday. They currently have a $54.00 target price on the stock, down from their previous target price of $55.00. The analysts noted that the move was a valuation call.

A number of other analysts have also recently weighed in on AFL. Analysts at Barclays Capital reiterated an �overweight� rating on shares of AFLAC in a research note to investors on Thursday. They now have a $65.00 price target on the stock, up previously from $58.00. Separately, analysts at FBR Capital reiterated a �market perform� rating on shares of AFLAC in a research note to investors on Monday. They now have a $52.00 price target on the stock. Finally, analysts at Zacks reiterated a �neutral� rating on shares of AFLAC in a research note to investors on Monday, December 24th. They now have a $57.00 price target on the stock.

Aflac (NYSE:AFL) has been reiterated by TheStreet Ratings as a buy with a ratings score of B+ . The company's strengths can be seen in multiple areas, such as its revenue growth, largely solid financial position with reasonable debt levels by most measures, notable return on equity, attractive valuation levels and good cash flow from operations. We feel these strengths outweigh the fact that the company shows low profit margins.

    Despite its growing revenue, the company underperformed as compared with the industry average of 21.6%. Since the same quarter one year prior, revenues rose by 14.3%. Growth in the company's revenue appears to have helped boost the earnings per share.

    AFL's debt-to-equity ratio is very low at 0.28 and is currently below that of the industry average, implying that there has been very successful management of debt levels.

    The return on equity has improved slightly when compared to the same quarter one year prior. This can be construed as a modest strength in the organization. In comparison to the other companies in the Insurance industry and the overall market, AFLAC INC's return on equity significantly exceeds that of the industry average and is above that of the S&P 500.
   
Aflac Incorporated, through its subsidiary, American Family Life Assurance Company of Columbus, provides supplemental health and life insurance. Aflac has a market cap of $25.36 billion and is part of the financial sector and insurance industry. The company has a P/E ratio of 8.9, below the S&P 500 P/E ratio of 17.7. Shares are up 25% year to date as of the close of trading on Tuesday.

Figure Aflac stock chart 1 year

 AFLAC Inc.earning growth forecast
AFLAC Inc. (AFL): Provides supplemental health and life insurance. Market cap at $24.86B, most recent closing price at $53.01. Diluted TTM earnings per share at 6.07, and a MRQ book value per share value at 34.1, implies a Graham Number fair value = sqrt(22.5*6.07*34.1) = $68.24. Based on the stock's price at $53.23, this implies a potential upside of 28.21% from current levels. PEG at 0.88.

Over the next five years, the analysts that follow this company are expecting it to grow earnings at an average annual rate of 10.65%.This year, analysts are forecasting earnings increase of 4.36% over last year. Analysts expect earnings growth next year of 4.42% over this year's forecasted earnings.

Aflac Inc  Business Summary   
Aflac Incorporated, through its subsidiary, American Family Life Assurance Company of Columbus, provides supplemental health and life insurance. The company offers various voluntary supplemental insurance products, including cancer plans, general medical indemnity plans, medical/sickness riders, care plans, living benefit life plans, ordinary life insurance plans, and annuities in Japan. It also provides loss-of-income products, such as life and short-term disability plans; and products designed to protect individuals from depletion of assets, which comprise hospital indemnity, fixed-benefit dental, vision care, accident, cancer, critical illness/critical care, and hospital intensive care plans in the United States. The company sells its products through sales associates and brokers, independent corporate agencies, individual agencies, and affiliated corporate agencies. Aflac Incorporated was founded in 1955 and is headquartered in Columbus, Georgia.


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MetLife MET Stock Prediction 2013

Best Insurance stock - MetLife MET Stock Prediction 2013, MetLife insurance shares 2013: MetLife investors have waited since the autumn of 2011 for the company to buy back shares and raise its dividend, but regulators foiled the company's plans. On a year-end investor call with analysts, MetLife management said the 2013 forecast assumes no share buybacks. Chief Executive Steve Kandarian later added, "I don't have total confidence" the company will be free to buy back shares after 2013, either.

MetLife Inc (MET.N) warned that 2013 earnings might be well below Wall Street expectations and said it did not expect to buy back any shares next year, a blow to investors who have been waiting more than a year for a capital return.

For this year, the insurer expects operating earnings of $5.5 billion to $5.6 billion, or $5.15 to $5.25 per share, compared with analysts' average estimate of $5.25.

In 2013, it expects $5.5 billion to $5.9 billion, or $4.95 to $5.35 per share. Analysts' average forecast is $5.47, according to Thomson Reuters I/B/E/S. MetLife's operating earnings forecast excludes discontinued operations and net investment gains and losses.

MetLife (NYSE: MET) stock ratings prices target

MetLife (NYSE: MET)�s stock had its �equalweight� rating restated by equities researchers at Barclays Capital in a report issued on Thursday. They currently have a $37.00 target price on the stock.

MetLife traded up 0.36% on Thursday, hitting $35.2777. MetLife has a 52-week low of $27.60 and a 52-week high of $39.55. The stock�s 50-day moving average is currently $32.85. The company has a market cap of $38.490 billion and a price-to-earnings ratio of 14.33.

MetLife last released its earnings data on Wednesday, October 31st. The company reported $1.32 earnings per share (EPS) for the quarter, beating the consensus estimate of $1.28 by $0.04. The company�s revenue for the quarter was up .0% on a year-over-year basis. On average, analysts predict that MetLife will post $5.22 earnings per share for the current fiscal year.

Several other analysts have also recently commented on the stock. Analysts at Macquarie reiterated an �outperform� rating on shares of MetLife in a research note to investors on Monday. They now have a $45.00 price target on the stock. Separately, analysts at Credit Suisse reiterated an �outperform� rating on shares of MetLife in a research note to investors on Monday, December 24th.

MetLife Analyst Forecasts Earnings Growth

 Over the next five years, the analysts that follow this company are expecting it to grow earnings at an average annual rate of 8.73%.This year, analysts are forecasting earnings increase of 3.71% over last year. Analysts expect earnings growth next year of 0.35% over this year's forecasted earnings.

Figure MetLife Inc. (MET) Stock 1 year 

My Analysis MetLife Inc. (MET)

 MetLife Inc. (MET) - The largest U.S. life insurer, MetLife also has a substantial financial services business, with a focus on retirement planning and corporate benefit funding. The company also has a rapidly growing international business, currently comprising 31% of revenues.

Currently yielding 2.3%, MetLife has a solid record of raising the dividend; however they have kept the payout constant since the financial crisis. My favorite thing about MET is its extremely attractive valuation, currently trading at only 6.7 times earnings. The failure of the Fed's stress test could be the reason for the depressed valuation, but analysts tend to believe that MET is financially sound and is well positioned to capture additional market share.

About MetLife, Inc.

 MetLife, Inc., through its subsidiaries, provides insurance, annuities, and employee benefit programs in the United States, Japan, Latin America, the Asia Pacific, Europe, and the Middle East. The company offers group life insurance products, including variable, universal, term, and whole life products, as well as employee paid supplemental life products; and individual life insurance products comprising variable, universal, term, and whole life products, as well as a range of mutual funds and other securities products. It also provides non-medical health products and services, which include dental insurance, group short- and long-term disability, individual disability income, long-term care, critical illness, and accidental death and dismemberment coverages, as well as employer-sponsored auto and homeowners insurance, and administrative services to employers; and retirement products consisting variable and fixed annuities that are primarily sold to individuals and employees of corporations and other institutions. In addition, the company offers an array of annuity and investment products, including guaranteed interest products and other stable value products, income annuities, and separate account contracts for the investment management of defined benefit and defined contribution plan assets, as well as offers products to fund postretirement benefits; personal lines of property and casualty insurance to employees and individuals, as well as personal excess liability and coverage for recreational vehicles and boat owners; and credit insurance and endowment products. Further, it offers banking products comprising mortgage and deposit products, as well as other financial services. The company sells its products through its sales forces, third-party organizations, independent agents, and property and casualty specialists. MetLife, Inc. was founded in 1863 and is based in New York, New York.

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Tips Buying Homeowners Life, Car Insurance 2013

Best Insurance - Tips for Buying Homeowners Life, Car Insurance 2013 : Most people buy insurance the wrong way. They buy it piecemeal. They buy a little bit of this here and a little bit of that there. They buy too much in some areas and not enough in others. Then, when there is a serious claim, their insurance coverage often fails them. If your New Year's resolution for 2013 is to fix that, we have some tips that can help you accomplish it.

Homeowners insurance

Tip 1: If Hurricane Katrina wasn't reminder enough, along came Superstorm Sandy in 2012 to remind everyone that homeowners policies do not cover flooding. The policies cover those homes destroyed by fire, and homes damaged or destroyed by a storm. But they do not cover flooding. If you are exposed to any chance of severe flooding, even if you don't live anywhere near a body of water, talk to your agent about flood insurance and check out the government flood insurance website at FloodSmart.gov.

Tip 2: If you work from home even part time, you need to add an endorsement to your homeowners insurance called "incidental occupancy endorsement." Homeowners policies, besides covering your building and contents, also cover personal liability, including liability for guests injured on your home premises. But they do not cover injuries to those who come onto your premises for business purposes. That includes not only businesses that have regular visitors to the home -- such as yoga instructors, piano teachers or day care providers -- it also includes injuries to the occasional visitor, such as a co-worker or delivery driver who's dropping off some work from the office and falls on your icy driveway in the winter and gets injured. No coverage. How much does it cost to add this nifty endorsement? Less than $30 a year. For that small price, it's silly not to have one.

Tip 3: Speaking of liability coverage, be sure to standardize your liability limits on all your policies -- auto, home, cabin, boats, etc. I recommend no less than $500,000. Remember, if you injure someone seriously, you will get sued for all the medical bills, for the lost wages they incur, and for pain and suffering.

Just the medical bills alone can easily reach $500,000 in a serious accident. If you have any income or assets that you are concerned about losing in a lawsuit, add an extra layer of protection on top of your basic policies in your insurance portfolio -- called an umbrella policy -- of at least $1 million or more. A $1 million policy costs about $200 a year. I consider it the best buy in the insurance business.

Car insurance

Tip 4: Most people are underinsured for lawsuits. The most common limit I see is $100,000 per person. That won't even cover the medical bills in a serious accident. The minimum liability coverage that anyone with any assets or income to protect should be carrying is $500,000 to $1 million or more. If your liability limits are low, contact your insurance agent right away and get those limits raised to more realistic figures. Raising liability coverage is surprisingly minimal in cost.

Tip 5: When you raise your liability limits on your car insurance, don't stop. Raise your limits on your home, cabin, boats, snowmobiles, etc., to the same amount. You don't know where the lawsuit may come from. You want the same amount of money protecting you, so it won't matter where it comes from.

Tip 6: Raise your uninsured and underinsured motorist coverage on your car insurance to the same levels as your liability coverage for people you hurt. It's estimated that 10% to 20% of all drivers have no insurance. I guarantee you that these are not the drivers with perfect driving records. Since we can't control who hits us or how much insurance they have or don't have, buying high limits of this coverage is the only way we can ensure that we and the loved ones riding with us get fairly compensated.

Tip 7: Save money by dropping collision and comprehensive coverage of older vehicles you can comfortably afford to replace without car insurance. Make sure you save enough money to make it worth the risk.

Save money on insurance by self-insuring more of the small losses on your vehicles with bigger deductibles. Not only does it save money, but it also reduces the number of small claims you file, thus keeping rates as low as possible now and in the future.

Life insurance

Tip 8: Remember that buying life insurance is an act of love. It's the only insurance policy that you can buy where you are not collecting on it. For a family of four, financial experts recommend that survivors of one parent's death make do with 7.5 times income. I recommend 10 times income. The extra cushion will allow the surviving parent to work fewer hours and spend more time with his or her children. Nothing can replace the emotional loss to the family. Don't compound the pain by adding financial stress to the picture.

Tip 9: For a young family getting started financially, I recommend term life insurance as the most cost-effective way to provide the most money for the lowest premium. Lock in the price for at least 20 to 30 years. And make sure the policy is convertible to a permanent policy, so if at the end of the term you find that you still need life insurance and can't qualify for it medically, you are assured you can convert.

If one spouse is a homemaker, carry at least $250,000 to $500,000 in life insurance on that person. Buy an amount high enough so the surviving working spouse can be more available to the children and still hire replacement services such as a nanny.

Tip 10: It's quite common for employers to provide some life insurance for their employees as a company benefit and at the same time offer them supplemental group life insurance on a payroll deduction basis. What most people don't realize is that the costs for the supplemental life insurance are quite a bit more than a healthy nonsmoker will pay on the open market for the same amount of coverage. The tip here is to not just buy group life insurance because you assume it's cheaper. It probably isn't. In addition, when you leave the company or the company closes down, so does your life insurance.

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LFC stock prices forecast 2013

Best Insurance stock - LFC stock prices forecast 2013 :  China Life Insurance (NYSE: LFC)  reported a net loss in the third quarter, due to a surge in operating expenses, which offset the operating income increases. However, premiums earned and investment income witnessed a notable improvement. Total assets and shareholders� equity also improved, while cash fund deteriorated. Meanwhile, the subordinated debt issue has improved solvency ratio.

 Extensive domestic distribution channel, strong investment and stable ratings are other positives. However, the constant decline in operating cash flow is affecting financials. The company also inherently faces substantial interest rate and currency risks, which limit the upside. Despite a strong brand name, significant competition on the domestic front hampers earnings growth. Overall, we expect limited upside in the near term

China Life Insurance Co Ltd announced that it expects its net profit for the first three quarters of fiscal year (FY) 2012 decrease by approximately 55%, compared to the net profit of the same period in FY 2011 (RMB 16,717,000,000). The Company cited the decreased rate of return on investments and impairment loss on assets as the main reasons for the forecast.

Shares of China Life Insurance fell 1.9 percent in Hong Kong from Thursday's 18-month high, while Ping An Insurance , its smaller sector rival, dropped 2.1 percent.

Zacks reiterated their neutral rating on shares of China Life Insurance (NYSE: LFC) in a research report sent to investors on Friday morning on Dec 25th, 2012   The firm currently has a $49.00 price target on the stock.

Fitch Ratings maintains a "stable" outlook for China's insurance sector 2013 , but recent exits by overseas investors' stirred concerns about the sector's profitability. "Our view is that the sector will be stable over the next 12 to 24 months," Terrence Wong, director of Fitch's insurance team, said on Monday. Property insurers' premiums are set to register double-digit growth this year and in 2013, but recent regulatory changes could intensify competition the ratings agency said. Read China insurance market growth outlook 2013

Earnings Growth Forecast

Fiscal Year End	Consensus EPS* Forecast	High EPS* Forecast	Low EPS* Forecast	Number of Estimates	Over the Last 4 Weeks Number of Revisions     Up                       Down
Dec 2012	1.06	1.09	1.03	2	0	0
Dec 2013	2.73	2.79	2.66	2	0	0
Dec 2014	3.07	3.07	3.07	1	0	0

Over the next five years, the analysts that follow this company are expecting it to grow earnings at an average annual rate of 20.19%.This year, analysts are forecasting earnings decrease of -31.61% over last year. Analysts expect earnings growth next year of 157.08% over this year's forecasted earnings

Price/Earning Ratio forecast 

Price/Earnings Ratio is a widely used stock evaluation measure. For a security, the Price/Earnings Ratio is given by dividing the Last Sale Price by the Average EPS (Earnings Per Share) Estimate for the specified fiscal time period.

China insurance market growth outlook 2013

best insurance stock today - China insurance market growth prediction 2013 : The Chinese life insurance market had total gross written premiums of $134.7 billion in 2011, representing a compound annual growth rate (CAGR) of 18.1% between 2007 and 2011. The life insurance segment was the market's most lucrative in 2011, with total gross written premiums of $128.7 billion, equivalent to 95.5% of the market's overall value. The performance of the market is forecast to decelerate, with an anticipated CAGR of 10.9% for the five-year period 2011 - 2016, which is expected to drive the market to a value of $225.5 billion by the end of 2016.

Fitch Ratings maintains a "stable" outlook for China's insurance sector, but recent exits by overseas investors' stirred concerns about the sector's profitability. "Our view is that the sector will be stable over the next 12 to 24 months," Terrence Wong, director of Fitch's insurance team, said on Monday.

Property insurers' premiums are set to register double-digit growth this year and in 2013, but recent regulatory changes could intensify competition the ratings agency said.

For life insurers, which have seen a sluggish first half, premium income will grow faster next year, supported by the country's relatively low level of life-insurance penetration.

Fitch says China's insurance outlook 'stable'

The agency's comments were made days after HSBC Holdings PLC struck a $9.4 billion deal to sell its entire 15.6 percent stake in Ping An Insurance (Group) Company of China Ltd, giving the bank a $2.6 billion profit.

The sale follows a decision in July by the Carlyle Group LP, the world's second-largest private equity company, to sell $738 million of shares in China Pacific Insurance (Group) Co Ltd.

Wong denied the share sales reflect a lack of confidence by foreign investors in the insurance sector. "The decision by some investors to exit is made based on their own investment needs, and doesn't reflect the sector's overall strength," Wong said.

China's insurance market has forged ahead with an average annual growth rate of 19 percent over the past decade, as insurers' total assets increased 10 times, according to the China Insurance Regulatory Commission. But growth stalled in 2011, when rules were tightened on selling policies over the counter at banks. Total premium income dropped 1.3 percent in 2011.

Joyce Huang, director of Fitch's Asia Pacific Insurance team, said she expected life insurers' premium income to grow 2.4 percent this year. Growth will also be single-digit in 2013, but will be faster than this year.

Huang said one major factor that impacts life insurers' ratings is the possibility that they may be exposed to more risks from new investments in light of the commission's measures to liberalize the sector.

This year, the commission gave Chinese insurers more flexibility to diversify their investments to include credit-related financial products such as banks' wealth management products and asset-backed securities.

They are allowed to hold up to 30 percent of their assets in those products. In addition, insurers can now invest up to 20 percent of their total assets in infrastructure debt and property-related assets, up from 10 percent previously.

"These measures have tended to bring in more risks, which may affect insurers' ratings," said Huang. Premium growth will be faster for property insurers, with Wong expecting a 15 percent increase in the first half of 2013.

But their margin will be squeezed by the commission's decision this year to build a market-oriented pricing system, as well as introducing foreign insurers, in the third-party liability automobile insurance market.

"The move encourages competition, but will not result in price wars. Foreign players need time to build up their own distribution channels," said Wong.

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Vietnam Insurance market prediction 2013

best insurance stock - Vietnam Insurance market prediction 2013 : in 2012 going through many difficulties, challenges than the original data, make it difficult for the insurance industry plans 17% growth target. Preparation of business plan for next year, many companies in the industry no longer sets growth "year after year".

Phung Dac Loc, Secretary General of the Vietnam Insurance Association (AVI) said that the insurance market in 2013 will certainly encounter similar difficulties in 2012. "Congress passed the indicators of socio-economic development in 2013 with GDP growth of 5.5%, public investment accounted for 30% of GDP, the CPI rose by 8%, which means predicts the economy can not start excellence, "said Loc.

Along with his views Loc, many industry experts predicted, more likely, the insurance industry's sales growth in 2013 of around 10%. Thus, this will be the third consecutive year, the insurance market revenue growth regressed.

2012 new longer than 1 month closed, but estimates AVI, overall market growth only slightly higher than 10%, compared with 17% plan. In particular, the volume of non-life insurance estimated growth rate of 13 - 14%, in volume-life is 11 - 12%. Growth rate of 13 - 14% of the volume of non-life insurance this year can say is that the efforts of the business block, in the context of public investment cuts, the company stopped several investment plans expand production and business. In fact, many difficulties and challenges, the non-life insurance companies have shifted our products to personal property insurance, health and medical insurance, liability insurance, credit insurance financial use, agricultural insurance, create new growth for the insurance market and less certain results recorded.

In the life insurance sector also showed less effort, when the real estate market, bleak securities, the income of the workers affected by manufacturing and trading many declining industries, service prices increases, but still attracts numerous customers insured and maintain old insurance contract.

Businesses continuously launching new products and focus on developing distribution channels to reach more potential customers source. In particular, bancassurance distribution channel are many life insurance companies special attention. Some businesses focus on exploiting its own strength as issued through the postal channel. However, due to the characteristics of the Vietnamese insurance market, the channel remains the dominant channel agent should the life insurance business remains focused on this channel. Some businesses continue to develop models of agents like AIA, Korea Life, Dai-ichi, Manulife ... Competitive strategy will continue to be developed for enterprises in 2013.

According to Loc, with the lessons of the past two years to overcome the difficulties and challenges of the global economic downturn, stable macro-economic policies, inflation will be a factor giving the DN plan insurance business in 2013 close to the actual completion of the plan.

2013 is a pivotal year implementation plan developed insurance market from 2011 to 2015 by the Ministry of Finance, at the same time, also celebrate 20 years of the Vietnamese insurance market development. This will be an important motivation for the companies in the industry to strive to set the highest achievement in the business.

Trinh Thanh Hoan, director of the National Insurance Supervisory Management (Ministry of Finance) predicted that by 2013, the total amount of the insurance companies accumulated investment return economy estimated at $ 95.000 billion.

Sir, was near the end of 2012, the growth target of 17% of the entire insurance industry this year may be difficult to achieve?

Initially expected, the insurance market in 2012 continued to maintain growth of about 17% compared with 2011. However, with the difficult economic situation, the total premium income of the market in 2012 was estimated at 40,858, up 11.7 percent from 2011; including non-life insurance premium revenue is estimated at 22,942 billion, up 11.5% and life insurance revenue was estimated at 17,916, up 12 percent from 2011.

In my opinion, the volume growth of 11.5% of non-life insurance this year as expected, but compared to other industries can say is that success in the context of the real estate market froze, investors cuts, investment firms minimize expansion. Many challenges, the non-life insurance companies have shifted our products to personal property insurance, health and medical insurance, liability insurance, credit insurance, agricultural insurance ... Life insurance sector also found success not least, while labor income decline, the price of goods and services increased, but still attracts numerous customers insured and maintained old insurance contract.

Overall, in 2012 the growth rate not reach expected, but the entire insurance industry made a great effort, expressed in that market continues to develop stable, healthy and safe; ensure financial viability ; improved quality of service; diversified insurance products to meet the needs of the insured. As a result, foreign investors still appreciate the potential of the Vietnamese insurance market.

Insurance industry plays an important role in mobilizing resources for investment back into the economy. With the difficulties mentioned above, activities this year have been affected? What is your prediction on resource mobilization plan for investment in the economy in 2013?

In the period 2003 - 2010, insurance companies have created large capital and long-term, play an important role in mobilizing investment resources of socio-economic development. In 2012, with these difficulties, the mobilization of resources for investment return economy affected but not great because now, the investment activities of insurance companies have become more diverse and afternoon depth, in order to ensure selection of the appropriate form of investment, safe and effective. On the other hand, due to the characteristics of the insurance business and technical management of insurance funds, insurance companies invest idle funds from operational reserves must comply with the maximum allowable rate.

In 2012, the total amount of accumulated investment insurers back to the economy is estimated at 90,591 billion, up 9 percent from 2011. In particular, the DN-life estimated at 66,361 billion (up 10.4% compared to the same period in 2011), the non-life business is estimated at 24,230 billion (up 5.6% compared to the same period in 2011).

Forecast, in 2013, the Vietnamese economy will be even more difficult challenge especially for companies in the financial sector, banking and real estate. This will also make it difficult for insurers to expand the customer. We predicted that in 2013, the total amount of the insurance companies accumulated investment return economy estimated at $ 95.000 billion.

Forecast next year more difficult, if the industry growth can be reduced compared to the long-term plan, sir?

As I said, in 2013, the difficulty exists, therefore, predict the Vietnamese insurance market will continue to maintain growth target of about 10 - 12% compared to 2012. In the next year, many new insurance products will be the insurance companies on the market to serve the insurance needs of diverse organizations and individuals as products of export credit insurance, agricultural insurance industry, insurance underwriting, liability insurance, health care and health insurance products, pension and insurance for the poor ...

Despite difficult than the other "g and downs" of the economy, the insurance industry remains a bright spot. What were you most satisfied in the development of the industry in the past year?

Macroeconomic situation in 2012 a negative impact on mining activities covered. However, besides that, the insurance market also has a number of advantages such as: the new legislation takes effect created favorable conditions for the operation of the DN ... 2012 is also the first year of implementation of the strategy to develop the insurance market for the period 2011 - 2020 with the implementation of the synchronization mechanism and policy solutions, enterprise restructuring, strengthening management and supervision State insurance.

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indonesia sharia insurance industry forecast 2013

best insurance stock - indonesia sharia insurance market forecast 2013 : Respect of the law will disahkannya about sharia insurance, six months after being all sharia units available in conventional master should spin off. According to sharia economic practitioner of the Shariah Economic Society (MES), Muhammad Syakir Sula. According Syakir Sula, in the year 2013 will be a lot of spin-off insurance sharia or break away from the conventional parent.

"If the Law on insurance verified, draftnya, among others, say six months after confirmation of Law sharia insurance then all units should be in the spin-off," he said, after filling Sharia Insurance Seminar event in Hall Student Center, Wednesday (12/12 / 2012) ago.

If there is no sharia insurance capital to stand on its own, then said Syakir, it should be merged with other syariah insurance. "If the insurance company does not have capital sharia then he should merge, merge with others," he said. It also reveals, from 43 sharia insurance industry, only one or two insurance sharia will not spin off. "But from the 43 sharia insurance industry, most of which only two may not be a spin-off, others I think will spin off its capital for 50 billion is not great," he said.

more Prospective

Syakir too optimistic, development and growth of insurance, capital markets, will be far more prospective pawnshop forward.

"I think now this, in Indonesia is only 22 percent of non-bank industry so the rest of the bank's policy direction forward I think that 22 percent would like to raise this to about 25 percent of the means towards the development and growth of insurance, capital markets, pawnshop will prospective far ahead, I think the regulator will forward this very attention to the balance between the growth of banking insurance growth, "he explained. *

Axa insurance stock prices forecast 2013

Axa insurance stock prices forecast 2013 : AXA Group (CS.PA) Year over year, AXA Group has seen revenues remain relatively flat (�98.9B to �99.0B), though the company was able to grow net income from �2.7B to �4.3B. A reduction in the percentage of sales devoted to cost of goods sold from 105.29% to 86.06% was a key component in the bottom line growth in the face of flat revenues.

On Dec. 18, 2012, Standard & Poor's Ratings Services lowered its counterparty  credit and insurer financial strength ratings on the core operating entities  of France-based composite insurer AXA group to 'A+' from 'AA-'. The outlook is  stable.

In our base-case assumptions, we expect the group's underlying earnings to  grow in the mid-single digits over 2013 and 2014, on the back of stable  contributions from its major business segments, continued improvement in the  P/C combined ratio (a measure of underwriting profitability), and steady life

and savings margins.

On August 21st, 2012 AXA announced the launch of its 2012 employee share offering ("SharePlan 2012"), a capital increase reserved to its employees worldwide. Over 21,000 employees in 40 countries, representing over 18% of the eligible employees, subscribed to SharePlan 2012.

AXA Group announced the appointment of V�ronique Weill, Chief Operating Officer and member of the Executive Committee, to the Group's Management Committee as of January 1. V�ronique Weill joined the company in June 2006 after having spent more than 20 years at JP Morgan, notably as Group head of Operations for Investment Banking and global head of IT & Operations for Asset Management and Private Clients. She was appointed Group Chief Operating Officer of AXA in December 2009, and is now in charge of Group Marketing, Distribution, IT, Operational Excellence, Procurement and GIE AXA.

AXA Market share in Asian
French insurer AXA is keen to expand its business in Singapore and Asia. As part of its growth plans, AXA unveiled its new offices that will house more than 600 of its staff in general and life insurance. Located at 8 Shenton Way, the AXA Tower stands 235 metres with 52 storeys. AXA is also focused on building its presence in Asia, where insurance premiums are expected to grow 17 per cent to US$957 billion in 2015. AXA commands a 9.5 per cent market share in general insurance with health, cargo and motor as its main products. So far, Indonesia and Thailand are AXA's key Asian markets for life insurance where it enjoys market share of 16 and 6 to 7 per cent, respectively. 

 AXA Group's Annual Earnings & Annual Revenues

AXA Group reported annual 2011 earnings of �1.57 per share on 02/18/2012. AXA Group had revenues for the full year 2011 of �86.1B. This was -5.3% below the prior year's results.

AXA Fundamentals

ear Ending	Revenue (� m)	Pre-tax (� m)	EPS	P/E	PEG	EPS Grth.	Div	Yield
31-Dec-07	86,116.00	7,695.00	213.61�	12.5	n/a	-11%	111.94�	4.2%
31-Dec-08	84,662.00	406.00	159.43�	9.7	n/a	-25%	38.18�	2.5%
31-Dec-09	84,646.00	5,564.00	149.00�	11.1	n/a	-6%	55.00�	3.3%
31-Dec-10	83,390.00	3,826.00	177.00�	7.0	0.4	+19%	69.00�	5.5%
31-Dec-11	80,570.00	4,589.00	143.00�	7.0	n/a	-19%	69.00�	6.9%

AXA Group (CS.PA) Forecasts Revenue

Revenue (� m)	Pre-tax (� m)	EPS	P/E	PEG	EPS Grth.	Div	Yield
31-Dec-12	85,414.50	6,290.86	183.74�	7.5	0.3	+28%	73.00�	5.5%
31-Dec-13	87,774.74	6,695.38	198.28�	7.0	0.9	+8%	78.40�	5.9%

AXA Group (CS.PA) Forecast Ratios

Year Ending	Revenue/Share	Price/Revenue per Share
31-Dec-12	� 35.76	0.39
31-Dec-13	� 36.75	0.38

 Data source FactSet Research Systems

 AXA Group (CS.PA) stock chart 1 year

AXA Shares Trends & Recommendations

Key Statistics for AXA Shares

About AXA Insurance Group

AXA Group, through its subsidiaries, provides insurance and asset management services. Its Life & Savings segment offers term life, whole life, universal life, endowment, disability, deferred and immediate annuities, and other investment-based products; and critical illness and permanent health insurance products for individual and commercial clients. The company�s Property & Casualty segment provides motor, household, property, and general liability insurance; health products; and engineering services to support prevention policies in companies.

AXA Group�s International Insurance segment offers coverage to large national and international corporations primarily relating to property damage, third party liability, marine, aviation and transport, construction and financial risk, and directors and officers liability, as well as provides loss-prevention and risk management services. It also offers assistance services, including medical aid for travelers, automobile-related road assistance, home assistance, and health-related services primarily to banking and insurance companies, tour operators, telecommunication operators, and automobile manufacturers, as well as to gas, water, and electricity utilities. In addition, this segment manages a book of reinsurance contracts of variable annuities with guaranteed minimum death and income benefits.

The company�s Asset Management segment provides investment management and related services to individual investors, and private and institutional clients; research portfolio analysis and brokerage-related services for institutional investors; and equity capital markets services for issuers of publicly traded securities. AXA Group�s Banking segment offers a range of retail banking products, such as current and savings accounts, mortgage loans, and mutual funds. The company operates primarily in Europe, North America, and the Asia-Pacific region. AXA Group was founded in 1852 and is headquartered in Paris, France.

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Insurance industry forecast 2013

Best Insurance stock - Insurance industry forecast 2013 : be depressed in the near term as a result of downward pressures on investment yields. Overall, the industry remains well capitalized whereby policyholder surplus for the P&C sector stood at $567.8 billion at June 30, 2012, an increase of $17.5 billion from yearend 2011. Policyholder surplus for life and accident & health sector was $318.4 billion June 30, 2012, compared to $310.4 billion at Dec. 31, 2011. In spite of this, both the P&C and life sectors continue to trade below book  value. The NASDAQ Insurance Index was up 4.52 percent for the first nine months of 2012 compared to 11.28 percent for the S&P 500. To counter this lackluster stock market performance, insurance companies are expected to create shareholder value by aggressively relying on share repurchases. Several carriers have recently announced their intention of doing this, and we expect this trend to continue well into 2013.

On the investment side, the Federal Open Markets Committee has announced its intention to keep interest rates low until mid- 2015. While this is a universal challenge for all insurance companies, it�s a distinct concern for P&C carriers. Their assets must be invested in short-term to medium-term maturities, which have been in a continuous decline (the average five-year and 10-year Treasury yields were 0.6 percent and 1.5 percent, respectively, in July 2012, compared to 1.4 percent and 2.75 percent in July 2011.) On top of this, in recent years, underwriting operations have also been less profitable.

Fitch Ratings expects combined ratios for 2012 and 2013 to be 101.1 percent and 100.3 percent, respectively. And while this is a marked improvement over 2011, we expect the P&C industry to see continued challenges. In the 1990s, insurance companies saw returns in excess of 7 percent through fixed income securities; today these yields have declined to roughly 5.5 percent. Therefore, we�ve seen a number of insurers exit or re-price unprofitable business lines and revisit their investment allocation and risk tolerance strategies to maintain or enhance the investment yields. In particular, a number of life and annuity

carriers have made these moves: Hartford, Sun Life and Manulife announced plans to exit the life and annuity business, and AXA and Aegon have offered lump-sum payments to their variable annuity contract holders with rich living benefit guarantees to remove the associated risks from their balance sheets. We expect this trend to continue.

To bolster investment yields, insurance companies are changing their asset allocation strategy, shifting to distressed asset classes, longer duration bonds, commercial mortgage loans and equities. But this means some companies, according to AM Best, are �deploying cash and short-term investments into lower-quality, high-risk investments� which could negatively impact their capital adequacy ratios and, therefore, their ratings. Yet, one positive impact of the continued lowinterest rate environment for some insurers, at least in the short-term, has been significant unrealized gains on older bond portfolios. But although this has a positive impact on surplus, it has not had much impact from an earnings perspective. Some insurers have opportunistically realized some of these gains, but it comes at the expense of earning lower yields in the future, as well as dealing with asset liability mismatch issues going forward. Download full articel

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Total insurance claims from hurricane sandy 2012

Best Insurance stock - Total insurance claims from hurricane sandy 2012, insurance claims in 2012,; A leading insurance company says natural disasters cost the industry $65 billion last year and that Superstorm Sandy accounted for nearly two-fifths of the total. However, Munich Re AG said Thursday total insured losses from natural catastrophes were down from a record $119 billion in 2011, when devastating earthquakes in Japan and New Zealand cost the industry dear.

The company said total economic costs in 2012 from natural disasters - including uninsured losses - amounted to $160 billion, compared with the previous year's $400 billion. Sandy was blamed for at least 120 deaths when it battered eastern coastline areas at the end of October. New York, New Jersey and Connecticut were the hardest-hit states. Munich Re estimated insured losses from Sandy at $25 billion and total losses at $50 billion.

Here is the number of insurance claims released by various insurance companies sand storm due 2012, which we took from various reputable news sites

Insured Losses From Hurricane Sandy $7-$15 Billion: AIR Worldwide

Catastrophe modeling firm AIR Worldwide estimated Tuesday evening that insured losses from Hurricane Sandy to onshore properties in the U.S. would be in the range of $7 billion to $15 billion. AIR�s insured loss estimate includes wind and storm surge damage to onshore residential, commercial and industrial properties and their contents, automobiles, and time element coverage (additional living expenses for residential properties and business interruption for commercial properties). Read More..

AXA Art InsuranceLosses from Hurricane Sandy May Reach $500 Million

Two months after Hurricane Sandy caused severe flooding in many Chelsea galleries, the bill for the art world�s recovery is shaping up to be hefty. By mid-November, AXA Art Insurance, one of the largest art insurers, estimated that it would be paying out $40 million, and a Reuters report last week quoted industry estimates suggesting that insurance losses for flooded galleries and ruined art may come to as much as $500 million � or the rough equivalent of what the art insurance business takes in each year. That would amount to the largest loss the art world and its insurers have ever sustained.Read More..

Swiss Re Sees $900 Million Insured Hurricane Sandy Losses
Swiss Re Ltd. (SREN), the world�s second- biggest reinsurer, said it estimates its claims burden from Hurricane Sandy to be about $900 million. Total market losses could be as much as $25 billion, Swiss Re dropped as much as 0.8 percent in Zurich. It fell 0.6 percent to 66.30 francs at 9:31 a.m., valuing the company at 24.6 billion Swiss francs ($26.5 billion). Munich Re, the world�s biggest reinsurer, declined 0.2 percent to 129.6 euros. Hannover Re (HNR1) lost 0.3 percent to 56.98 euros. Read more..

Selective Insurance Group Announces Hurricane Sandy Storm Losses
Insurance Group, Inc. (SIGI) today announced a preliminary pre-tax gross Hurricane Sandy loss of between $100 to $120 million and a pre-tax net loss of approximately $52 million, including reinstatement premiums and reinsurance recoveries. About two-thirds of the claims are in personal lines with the remaining in commercial lines.  One area of uncertainty remains business interruption claims, which are included in the estimates but are still developing as some businesses are not back to full operation.

Selective is the sixth largest writer for the National Flood Insurance Program and expects record claim activity this quarter that will generate estimated, pre-tax, claim service revenue of $12 million, which will partially offset the $52 million loss.  Together, these items will impact the fourth quarter statutory combined ratio by approximately 10 points and add an anticipated 2 points to our previous 2012 full-year guidance for the statutory and GAAP combined ratios. Read More..

AIR increases hurricane Sandy insured loss estimate by over 70%
Risk modeller AIR Worldwide has published an update to their estimate of insured losses resulting from hurricane Sandy today and the numbers have jumped considerably. AIR�s first estimate was published on the 30th October and in that update they gave a range of $7 billion to $15 billion of losses but said they expected it to rise. In today�s update AIR have given a tighter, but much higher estimated range of between $16 billion and $22 billion of losses to the insurance industry from Sandy. That�s a pretty significant jump, with the low-end estimate increasing by 128% from $7B-$16B, the mid-point estimate increasing by 72% from $11B-$19B and the high-end estimate increasing by 46% from $15B to $22B. AIR puts the increase down to the following: Read More..

Hurricane Sandy claims may exceed insurance program funds: FEMA
The federal government's flood insurance program may not have access to enough funds to cover anticipated claims from Hurricane Sandy victims, a top official at the Federal Emergency Management Agency said on Thursday. Edward Connor, FEMA's deputy associate administrator for federal insurance, told an insurance advisory panel on Thursday that his agency is projecting a flurry of flood-related claims in the neighborhood of $6 billion to $12 billion. read more..

to complete the total data sandy storm damage insurance claims in 2012, we are in need of data on the number of insurance claims from your insurance company, please post in the comments below

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Beazley insurance Stock Rating Prices Target

Beazley stock rating prices target : Nomura reissued their buy rating on shares of Beazley (LON: BEZ) in a research report released on Thursday morning. Nomura currently has a $3.42 (212 GBX) price target on the stock.

BEZ has been the subject of a number of other recent research reports. Analysts at Canaccord Genuity reiterated a hold rating on shares of Beazley in a research note to investors on Friday, November 23rd. They now have a $2.95 price target on the stock. Separately, analysts at JPMorgan Chase reiterated a neutral rating on shares of Beazley in a research note to investors on Thursday, November 22nd. They now have a $2.82 price target on the stock. Finally, analysts at JPMorgan Chase reiterated a neutral rating on shares of Beazley in a research note to investors on Friday, October 19th.

Shares of Beazley opened at 181.90 on Thursday. Beazley has a one year low of GBX 130.60 and a one year high of GBX 184.00. The stock�s 50-day moving average is currently GBX 167.6. The company�s market cap is �921.1 million.

About Beazley plc

Beazley plc is the parent company of specialist insurance businesses. The Company operates in six segments: Life, accident and health segment, which underwrites life, personal accident and sports risks; Marine segment, which underwrites a range of marine classes, including hull, energy, cargo and specie and war risks; Political risks and contingency segment, which underwrites terrorism, political violence, expropriation and credit risks, as well as contingency and risks associated with contract frustration; Property segment, which underwrites commercial, homeowners� and engineering property insurance on a worldwide basis; Reinsurance segment specializes in writing property catastrophe, property per risk, aggregate excess of loss and pro-rata business, and Specialty lines segment, which underwrites professional lines, employment practices liability, specialty liability, directors� and officers� liability and healthcare.

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F&C Asset Management stock rating prices target by jefferies Group

Best insurance stock today - F&C Asset Management stock rating prices target by jefferies Group : Jefferies Group reiterated their buy rating on shares of F&C Asset Management (LON: FCAM) in a research report sent to investors on Thursday morning. The firm currently has a $2.10 (130 GBX) price target on the stock.

Several other analysts have also recently commented on the stock. Analysts at JPMorgan Chase reiterated a neutral rating on shares of F&C Asset Management in a research note to investors on Tuesday, December 4th. They now have a $1.82 price target on the stock. Separately, analysts at Numis Securities Ltd reiterated a hold rating on shares of F&C Asset Management in a research note to investors on Monday, November 12th. They now have a $1.46 price target on the stock.

Shares of F&C Asset Management opened at 102.90 on Thursday. F&C Asset Management has a 52 week low of GBX 59.262 and a 52 week high of GBX 103.40. The stock�s 50-day moving average is currently GBX 95.05. The company�s market cap is �542.0 million.

F&C Asset Management plc (F&C) is an asset management company. The Company�s customers include insurance companies, institutional, retail and wholesale investors, for whom it manages investments, including fixed income, equities, property and alternative asset classes.

In permanent life insurance

Term life insurance or term assurance is a form of life insurance providing coverage at a fixed rate of payments for a limited period of time. On the expiry of the policy, the policy owner is left with the choice to renew the term life insurance policy or to let the coverage end. This type of insurance policy is in sharp contrast to permanent life insurance. In permanent life insurance, duration extends until the policy owner reaches 100 years of age. However, the policy does not provide any returns beyond the stated benefit, unlike permanent policies, which have a savings component that can be used for wealth accumulation. The fact is that it is the least expensive way to purchase a substantial death benefit on a coverage amount per premium over a specific period of time. The point is that after the stipulated period, coverage at the previous rate of premiums is no longer guaranteed. After the expiry of the period, in case, if the insured dies during the term, the death benefit will be paid to the beneficiary. The subject policy is generally associated with pure income replacement needs for an individual. It functions in such a way that it satisfies claims against what is insured if the premiums are up to date and the contract has not expired. In fact, it does not provide for a return of premium if no claims are filed. The plans are simple to understand and give you the choice to choose your plan, inclusions, premiums and payment frequency. The subject insurances gives you tax benefits under section 80 (C). Many term insurance plans are easily available online. The simplest form of it is for a term of one year and the company will provide death benefit to the beneficiary if the insured died during the one year term.It is also known as a pure risk cover plan for it helps you reduce the financial problems associated with any life risk arising to you. Side by side mitigating the risk, it helps your loved ones to overcome that financial trauma on account of a particular risk. A version of term insurance which is commonly purchased is annual renewable term (ART). Here, the premium is paid for one year of coverage. The policy is guaranteed to be able to be continued each year for a given period of years varying from 10 to 30 years and occasionally until age of 95. The rate of the premium goes on increasing with each renewal period. It eventually becomes financially viable as the rates for a policy would eventually exceed the cost of a permanent policy. The documents needed for taking a term life insurance policy are; Age Proof, Identity Proof, Address Proof, Income Proof, Duly Filled Proposal Form, and Some plans may require you to undergo Medical Tests.

Another insurance cost slicing approach

Reaching the age of retirement is a well deserved event that warrants the reward of being able to really experience the greater things in life. But working hard over the span of ones life surely takes a toll on personal health. Because of this, more and more senior citizens will need some sort of aid in their living situations. Data shows that as many as 50 % of our nations elderly are in need of assisted care. In addition, as the amount of individuals needing these programs heightens, so does cost. Fortunately, there are multiple methods to minimize month to month prices that are not nearly as complex as one may believe. One approach is to utilize the web. The internet has reinvented the buying and selling of goods and services. Therefore, it goes without saying that insurance (like everything else) is more affordable online. Being dubious about this concept is perfectly reasonable, but if bought right, it can cut your insurance costs by as much as 30 %. There are numerous reasons as to why insurance rates are lower from online retailers. Selling insurance internet is highly competitive due to the fact that so many salespersons utilize the web as a selling tool. Therefore, with increasing rivalry comes decreasing costs for potential customers. Next, think about daily operational costs for local lenders, they have supplemental costs like rental fee and office essentials to deal with. An online retailer has marginal operation cost obligations and can as a result sell at a lesser rate. Another insurance cost slicing approach is to make your monthly payments a routine. You may not think it, but insurance suppliers notice steady payment patterns because they result in a significant amount of savings for the agency. For instance, if you pay your dues on the same day every month then the insurance firm doesn't have to worry about the cost of distributing your statement. The money you save for the agency by paying your bills on time is reprimanded via lower monthly costs. Last but not least, the sooner you obtain a policy, the less you will have to pay in the future. Even if you are years from pension, it is crucial to note that almost ten percent of Americans, even those as young as 40, need facilitated care. Purchasing insurance earlier on in life is a safeguard for when you are older, as effective money maintenance and costs become more and more hard to overcome as you age.