The 2014 NUL top 100

junio 12, 2014

The 2014 NUL top 100.

By Warren S. Hersch, Emily Holbrook.

Statistics can tell a lot, not only about the financial health of companies, but also how they stack up against one another. In this annual feature, we take the pulse of 100 top-ranking life and health insurers when measured against four key metrics: net investment income, total enrollment (health lines only), policyholder surplus and net premiums written.

The report card on the last of these, of particular interest to life insurance professionals, reveals a shake up in the ranks, with a top three insurer in 2012 displacing the formerly number one carrier in 2013. Hence, UnitedHealth Group overtook WellPoint last year in the health segment (all lines); Jackson National surpassed Prudential Financial in the annuities space (individual and group); and Prudential nudged aside MetLife in life insurance net premiums (excepting credit life).

In two market segments — life/ accident & health (except credit); and life (supplemental & other) — the top insurer of 2012 maintained the top position in 2013. The companies: UnitedHealth Group Inc. and TIAA-CREF, respectively.

A comparison of 2012 and 2013 tables also reveals significant variations in net premiums written for individual companies. A prime example is Prudential Financial, which last year garnered $19.2 billion in net premiums, down from the $61.1 billion recorded in 2012.

How to explain so significant a decline? A Prudential spokesperson attributed the dip to two factors: (1) a one-time bump from $30 billion of premium income generated by pension risk transfer transactions concluded with General Motors and Verizon in 2012; and (2) a decrease in gross sales of variable annuities ($11.447 billion in 2013 versus $19.977 billion in 2012).

While these items are “almost certainly the main drivers” for the premium decline, the spokesperson cautions that Prudential cannot take responsibility for the accuracy of data provided by a third party.

The source of the stats: SNL Financial, which bases its figures on the insurers’ own filings with the National Association of Insurance Commissioners. SNL Financial’s proprietary database — to which NU and LifeHealthPro have privileged access — standardizes financial data using the life and health insurance industries’ financial parameters, terminology and performance metrics. The company data is also aligned over time to enable easy comparison of different periods.

With this as background, read on. See how your carriers measure up against the competition. You may be surprised!


National Western Life Insurance stock upgraded (NWLI)

febrero 7, 2012

National Western Life Insurance Stock Upgraded (NWLI)

By TheStreet Wire    07/FEB/12


NEW YORK (TheStreet) — National Western Life Insurance (Nasdaq:NWLI) has been upgraded by TheStreet Ratings from hold to buy. The company’s strengths can be seen in multiple areas, such as its growth in earnings per share, increase in net income, largely solid financial position with reasonable debt levels by most measures, attractive valuation levels and good cash flow from operations. We feel these strengths outweigh the fact that the company has had lackluster performance in the stock itself.

Highlights from the ratings report include:

NATIONAL WESTERN LIFE has improved earnings per share by 43.2% in the most recent quarter compared to the same quarter a year ago. The company has demonstrated a pattern of positive earnings per share growth over the past two years. During the past fiscal year, NATIONAL WESTERN LIFE increased its bottom line by earning $20.04 versus $12.51 in the prior year.

The net income growth from the same quarter one year ago has significantly exceeded that of the S&P 500 and the Insurance industry. The net income increased by 43.3% when compared to the same quarter one year prior, rising from $13.44 million to $19.26 million.

NWLI has no debt to speak of therefore resulting in a debt-to-equity ratio of zero, which we consider to be a relatively favorable sign.

Net operating cash flow has increased to $81.90 million or 44.43% when compared to the same quarter last year. In addition, NATIONAL WESTERN LIFE has also vastly surpassed the industry average cash flow growth rate of -13.95%.


National Western Life Insurance Company provides life insurance products for the savings and protection needs of policyholders and annuity contracts for the asset accumulation and retirement needs of contract holders. The company has a P/E ratio of 7.5, above the average insurance industry P/E ratio of seven and below the S&P 500 P/E ratio of 17.7. National Western Life has a market cap of $485.5 million and is part of the financial sector and insurance industry. Shares are up 12.7% year to date as of the close of trading on Monday.

You can view the full National Western Life Ratings Report or get investment ideas from our investment research center.

— Written by a member of TheStreet RatingsStaff

Fuente: The Street, 07/02/12.


For more information on National Western Life Insurance click any of the following:

§  National Western Life Insurance Stock Price

§  National Western Life Insurance Analyst Ratings

§  National Western Life Insurance Key Stats & Profile

§  National Western Life Insurance Earnings

§  National Western Life Insurance Ratio Comparison

§  National Western Life Insurance Growth Rates

§  National Western Life Insurance Balance Sheet

§  National Western Life Insurance Cash Flow

§  National Western Life Insurance Income Statement

Austin, TEXAS. USA.

National Western Life Insurance is Among the Companies in the Life & Health Insurance Industry With the Highest Free Cash Flow Per Share (NWLI, FFG, PRU, MET, PFG)


Feb 07, 2012 (SmarTrend(R) News Watch via COMTEX) — Below are the three companies in the Life & Health Insurance industry with the highest free cash flow per share. FCF/share is a valuable metric signaling a company’s ability to facilitate growth in the business. National Western Life Insurance ranks highest with a FCF per share of $52.19. FBL Financial Group is next with a FCF per share of $16.89. Prudential Financial ranks third highest with a FCF per share of $14.01.

[February 07, 2012] 

Fuente:   07/02/12