{
"company_details": [
{
"company_id": "0000865058",
"feature_distribution_plot": "https://www.realrate-archive.com/us_life/2015/feature_distribution/feature_distribution_0000865058.svg",
"graph_url": "https://www.realrate-archive.com/us_life/2015/graphs/IME_0000865058.svg",
"logo_url": "https://www.realrate-archive.com/us_life/logos/0000865058.jpg",
"logo_url_256x256": "https://www.realrate-archive.com/us_life/logos/0000865058_256x256.png",
"main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_life/2015/plot_over_time/0000865058_main_keyfigs.svg",
"name": "National Security Group INC",
"rank": 1,
"regression_plot": "https://www.realrate-archive.com/us_life/2015/backtesting_correlation/regression_0000865058.svg",
"report_text": "The relative strengths and weaknesses of National Security Group INC are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of National Security Group INC compared to the market average is the variable Premiums Earned, Net, increasing the Economic Capital Ratio by 20% points.The greatest weakness of National Security Group INC is the variable Expenses, reducing the Economic Capital Ratio by 24% points.
The company's Economic Capital Ratio, given in the ranking table, is 33%, being 12% points above the market average of 22%.",
"report_url": "https://www.realrate-archive.com/us_life/2015/report/0000865058_2016_National_Security_Group_INC.pdf",
"shrinked_graph_json": {
"2011": {
"Separate Account, Liability": "11.2",
"Liabilities": "11.6",
"Stockholders Equity": "4.43",
"ECR before LimitedLiability": "2.65",
"Other Liabilities": "-11.7",
"Liability for Future Policy Benefit": "11.2",
"Debt Securities, Available-for-sale": "7.35",
"Assets": "-9.13",
"Separate Account, Assets": "-8.96",
"Mortgage Loans on Real Estate, Net": "-1.40",
"Other Assets": "-4.41",
"Other Expenses": "-7.93",
"Expenses": "-29.7",
"Net Income": "-3.40",
"Benefits": "-21.4",
"Other Revenues": "-4.18",
"Revenues": "16.0",
"Premiums Earned, Net": "18.0",
"Insurance Commissions and Fees": "-0.341",
"Comprehensive Net Income": "-3.69",
"Economic Capital Ratio": "2.97"
},
"2012": {
"Other Liabilities": "-13.3",
"Liabilities": "7.52",
"Stockholders Equity": "3.30",
"ECR before LimitedLiability": "-1.05",
"Separate Account, Liability": "7.01",
"Liability for Future Policy Benefit": "7.15",
"Debt Securities, Available-for-sale": "6.43",
"Assets": "-10.5",
"Other Assets": "-5.52",
"Mortgage Loans on Real Estate, Net": "-1.80",
"Separate Account, Assets": "-10.4",
"Other Expenses": "-14.9",
"Expenses": "-29.4",
"Revenues": "12.4",
"Net Income": "-4.98",
"Benefits": "-15.6",
"Insurance Commissions and Fees": "-0.214",
"Premiums Earned, Net": "12.5",
"Comprehensive Net Income": "-6.05",
"Other Compr. Net Income": "-1.20",
"Economic Capital Ratio": "-0.866"
},
"2013": {
"Separate Account, Liability": "14.5",
"Liabilities": "14.7",
"Stockholders Equity": "5.69",
"ECR before LimitedLiability": "9.90",
"Other Liabilities": "-11.9",
"Liability for Future Policy Benefit": "14.5",
"Debt Securities, Available-for-sale": "10.2",
"Assets": "-7.33",
"Separate Account, Assets": "-8.67",
"Other Assets": "-4.02",
"Mortgage Loans on Real Estate, Net": "-1.37",
"Other Expenses": "-9.92",
"Expenses": "-24.1",
"Net Income": "3.14",
"Benefits": "-13.5",
"Revenues": "18.4",
"Other Revenues": "1.49",
"Premiums Earned, Net": "18.3",
"Insurance Commissions and Fees": "-0.696",
"Comprehensive Net Income": "2.66",
"Economic Capital Ratio": "10.1"
},
"2014": {
"Separate Account, Liability": "15.2",
"Liabilities": "18.7",
"Stockholders Equity": "7.24",
"ECR before LimitedLiability": "13.5",
"Liability for Future Policy Benefit": "15.8",
"Other Liabilities": "-15.4",
"Other Assets": "-1.64",
"Assets": "-5.72",
"Separate Account, Assets": "-7.91",
"Mortgage Loans on Real Estate, Net": "-1.20",
"Debt Securities, Available-for-sale": "7.01",
"Other Expenses": "-10.5",
"Expenses": "-24.1",
"Net Income": "3.60",
"Benefits": "-12.0",
"Revenues": "21.7",
"Other Revenues": "0.982",
"Premiums Earned, Net": "21.8",
"Insurance Commissions and Fees": "-0.735",
"Comprehensive Net Income": "4.00",
"Economic Capital Ratio": "13.7"
},
"2015": {
"Liability for Future Policy Benefit": "15.9",
"Liabilities": "16.6",
"Stockholders Equity": "8.52",
"ECR before LimitedLiability": "11.5",
"Other Liabilities": "-15.2",
"Separate Account, Liability": "16.5",
"Other Assets": "-3.18",
"Assets": "-5.93",
"Separate Account, Assets": "-9.00",
"Mortgage Loans on Real Estate, Net": "-1.05",
"Debt Securities, Available-for-sale": "12.1",
"Benefits": "-13.7",
"Expenses": "-23.7",
"Net Income": "2.13",
"Other Expenses": "-9.07",
"Other Revenues": "-1.06",
"Revenues": "19.0",
"Insurance Commissions and Fees": "-0.742",
"Premiums Earned, Net": "19.8",
"Comprehensive Net Income": "1.59",
"Economic Capital Ratio": "11.8"
}
},
"strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_life/2015/plot_over_time/0000865058_strength_weakness.svg",
"table_records": {
"2011": {
"input_variables": {
"Benefits": "44,025",
"Debt Securities, Available-for-sale": "81,621",
"Insurance Commissions and Fees": "0",
"Liability for Future Policy Benefit": "0",
"Mortgage Loans on Real Estate, Net": "0",
"Net Investment Income": "4,261",
"Other Assets": "50,833",
"Other Compr. Net Income": "0",
"Other Expenses": "23,023",
"Other Liabilities": "94,439",
"Other Net Income": "0",
"Other Revenues": "1,588",
"Premiums Earned, Net": "56,243",
"Separate Account, Assets": "0",
"Separate Account, Liability": "0"
},
"output_variables": {
"Liabilities": "94,439",
"Assets": "132,454",
"Expenses": "67,048",
"Revenues": "62,092",
"Stockholders Equity": "38,015",
"Net Income": "-4,956",
"Comprehensive Net Income": "-4,956",
"BaseVar": "178,016",
"ECR before LimitedLiability": "12%",
"Economic Capital Ratio": "28%"
}
},
"2012": {
"input_variables": {
"Benefits": "34,105",
"Debt Securities, Available-for-sale": "81,426",
"Insurance Commissions and Fees": "0",
"Liability for Future Policy Benefit": "0",
"Mortgage Loans on Real Estate, Net": "0",
"Net Investment Income": "4,227",
"Other Assets": "54,290",
"Other Compr. Net Income": "-315",
"Other Expenses": "32,118",
"Other Liabilities": "105,489",
"Other Net Income": "0",
"Other Revenues": "3,510",
"Premiums Earned, Net": "51,815",
"Separate Account, Assets": "0",
"Separate Account, Liability": "0"
},
"output_variables": {
"Liabilities": "105,489",
"Assets": "135,716",
"Expenses": "66,223",
"Revenues": "59,552",
"Stockholders Equity": "30,227",
"Net Income": "-6,671",
"Comprehensive Net Income": "-6,986",
"BaseVar": "183,648",
"ECR before LimitedLiability": "6.7%",
"Economic Capital Ratio": "23%"
}
},
"2013": {
"input_variables": {
"Benefits": "31,146",
"Debt Securities, Available-for-sale": "83,808",
"Insurance Commissions and Fees": "0",
"Liability for Future Policy Benefit": "0",
"Mortgage Loans on Real Estate, Net": "0",
"Net Investment Income": "3,746",
"Other Assets": "50,172",
"Other Compr. Net Income": "-2,389",
"Other Expenses": "24,356",
"Other Liabilities": "100,508",
"Other Net Income": "0",
"Other Revenues": "5,048",
"Premiums Earned, Net": "52,366",
"Separate Account, Assets": "0",
"Separate Account, Liability": "0"
},
"output_variables": {
"Liabilities": "100,508",
"Assets": "133,980",
"Expenses": "55,502",
"Revenues": "61,160",
"Stockholders Equity": "33,472",
"Net Income": "5,658",
"Comprehensive Net Income": "3,269",
"BaseVar": "176,770",
"ECR before LimitedLiability": "17%",
"Economic Capital Ratio": "31%"
}
},
"2014": {
"input_variables": {
"Benefits": "30,882",
"Debt Securities, Available-for-sale": "91,881",
"Insurance Commissions and Fees": "0",
"Liability for Future Policy Benefit": "0",
"Mortgage Loans on Real Estate, Net": "0",
"Net Investment Income": "3,738",
"Other Assets": "52,984",
"Other Compr. Net Income": "1,836",
"Other Expenses": "25,809",
"Other Liabilities": "102,108",
"Other Net Income": "0",
"Other Revenues": "3,916",
"Premiums Earned, Net": "56,653",
"Separate Account, Assets": "0",
"Separate Account, Liability": "0"
},
"output_variables": {
"Liabilities": "102,108",
"Assets": "144,865",
"Expenses": "56,691",
"Revenues": "64,307",
"Stockholders Equity": "42,757",
"Net Income": "7,616",
"Comprehensive Net Income": "9,452",
"BaseVar": "184,904",
"ECR before LimitedLiability": "25%",
"Economic Capital Ratio": "37%"
}
},
"2015": {
"input_variables": {
"Benefits": "34,148",
"Debt Securities, Available-for-sale": "96,709",
"Insurance Commissions and Fees": "0",
"Liability for Future Policy Benefit": "0",
"Mortgage Loans on Real Estate, Net": "0",
"Net Investment Income": "3,462",
"Other Assets": "51,390",
"Other Compr. Net Income": "-2,247",
"Other Expenses": "25,205",
"Other Liabilities": "103,216",
"Other Net Income": "0",
"Other Revenues": "1,126",
"Premiums Earned, Net": "59,462",
"Separate Account, Assets": "0",
"Separate Account, Liability": "0"
},
"output_variables": {
"Liabilities": "103,216",
"Assets": "148,099",
"Expenses": "59,353",
"Revenues": "64,050",
"Stockholders Equity": "44,883",
"Net Income": "4,697",
"Comprehensive Net Income": "2,450",
"BaseVar": "188,482",
"ECR before LimitedLiability": "20%",
"Economic Capital Ratio": "33%"
}
}
},
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"trend": 0.0,
"value": 0.3341940579687958,
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"analysing_equity": "https://www.realrate-archive.com/us_life/2015/analytics/equity/0000865058.svg",
"analysing_profit_loss": "https://www.realrate-archive.com/us_life/2015/analytics/profit_loss/0000865058.svg"
},
{
"company_id": "0000008177",
"feature_distribution_plot": "https://www.realrate-archive.com/us_life/2015/feature_distribution/feature_distribution_0000008177.svg",
"graph_url": "https://www.realrate-archive.com/us_life/2015/graphs/IME_0000008177.svg",
"logo_url": "https://www.realrate-archive.com/us_life/logos/0000008177.png",
"logo_url_256x256": "https://www.realrate-archive.com/us_life/logos/0000008177_256x256.png",
"main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_life/2015/plot_over_time/0000008177_main_keyfigs.svg",
"name": "Atlantic American CORP",
"rank": 2,
"regression_plot": "https://www.realrate-archive.com/us_life/2015/backtesting_correlation/regression_0000008177.svg",
"report_text": "The relative strengths and weaknesses of Atlantic American CORP are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of Atlantic American CORP compared to the market average is the variable Premiums Earned, Net, increasing the Economic Capital Ratio by 23% points.The greatest weakness of Atlantic American CORP is the variable Expenses, reducing the Economic Capital Ratio by 35% points.
The company's Economic Capital Ratio, given in the ranking table, is 33%, being 11% points above the market average of 22%.",
"report_url": "https://www.realrate-archive.com/us_life/2015/report/0000008177_2016_Atlantic_American_CORP.pdf",
"shrinked_graph_json": {
"2011": {
"Separate Account, Liability": "13.6",
"Liabilities": "15.8",
"Stockholders Equity": "6.19",
"ECR before LimitedLiability": "8.45",
"Other Liabilities": "-12.9",
"Liability for Future Policy Benefit": "13.7",
"Debt Securities, Available-for-sale": "-10.7",
"Assets": "-5.18",
"Separate Account, Assets": "-7.16",
"Mortgage Loans on Real Estate, Net": "-1.06",
"Other Assets": "19.4",
"Other Expenses": "-5.15",
"Expenses": "-20.2",
"Net Income": "0.825",
"Benefits": "-14.6",
"Other Revenues": "-4.32",
"Revenues": "17.8",
"Premiums Earned, Net": "19.1",
"Net Investment Income": "0.553",
"Comprehensive Net Income": "0.562",
"Economic Capital Ratio": "8.76"
},
"2012": {
"Other Liabilities": "-9.59",
"Liabilities": "19.5",
"Stockholders Equity": "7.74",
"ECR before LimitedLiability": "12.1",
"Separate Account, Liability": "13.6",
"Liability for Future Policy Benefit": "14.5",
"Debt Securities, Available-for-sale": "-9.75",
"Assets": "-6.04",
"Other Assets": "20.0",
"Mortgage Loans on Real Estate, Net": "-1.14",
"Separate Account, Assets": "-7.26",
"Other Expenses": "-6.87",
"Expenses": "-26.7",
"Revenues": "21.2",
"Net Income": "0.782",
"Benefits": "-18.3",
"Other Revenues": "-1.54",
"Premiums Earned, Net": "21.7",
"Comprehensive Net Income": "1.88",
"Other Compr. Net Income": "1.09",
"Economic Capital Ratio": "12.3"
},
"2013": {
"Separate Account, Liability": "15.2",
"Liabilities": "15.8",
"Stockholders Equity": "8.97",
"ECR before LimitedLiability": "10.5",
"Other Liabilities": "-7.57",
"Liability for Future Policy Benefit": "15.1",
"Debt Securities, Available-for-sale": "-10.8",
"Assets": "-8.44",
"Separate Account, Assets": "-9.05",
"Other Assets": "17.1",
"Mortgage Loans on Real Estate, Net": "-1.44",
"Other Expenses": "-9.11",
"Expenses": "-31.6",
"Net Income": "2.51",
"Benefits": "-20.8",
"Revenues": "21.5",
"Other Revenues": "0.628",
"Premiums Earned, Net": "21.6",
"Insurance Commissions and Fees": "-0.738",
"Economic Capital Ratio": "10.7",
"Other Compr. Net Income": "-2.42"
},
"2014": {
"Separate Account, Liability": "16.7",
"Liabilities": "18.7",
"Stockholders Equity": "8.88",
"ECR before LimitedLiability": "11.8",
"Liability for Future Policy Benefit": "17.5",
"Other Liabilities": "-11.0",
"Other Assets": "20.4",
"Assets": "-7.84",
"Separate Account, Assets": "-8.76",
"Mortgage Loans on Real Estate, Net": "-1.36",
"Debt Securities, Available-for-sale": "-11.2",
"Other Expenses": "-10.2",
"Expenses": "-36.0",
"Comprehensive Net Income": "0.588",
"Benefits": "-22.7",
"Net Investment Income": "-2.60",
"Revenues": "23.6",
"Other Revenues": "2.07",
"Premiums Earned, Net": "24.3",
"Insurance Commissions and Fees": "-0.811",
"Economic Capital Ratio": "12.1"
},
"2015": {
"Liability for Future Policy Benefit": "16.2",
"Liabilities": "16.8",
"Stockholders Equity": "9.46",
"ECR before LimitedLiability": "11.2",
"Other Liabilities": "-11.8",
"Separate Account, Liability": "16.2",
"Other Assets": "18.6",
"Assets": "-8.15",
"Separate Account, Assets": "-9.72",
"Mortgage Loans on Real Estate, Net": "-1.16",
"Debt Securities, Available-for-sale": "-10.6",
"Benefits": "-21.5",
"Expenses": "-34.6",
"Net Income": "0.597",
"Other Expenses": "-10.6",
"Other Revenues": "2.22",
"Revenues": "22.3",
"Insurance Commissions and Fees": "-0.811",
"Net Investment Income": "-2.25",
"Premiums Earned, Net": "22.7",
"Economic Capital Ratio": "11.4"
}
},
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"table_records": {
"2011": {
"input_variables": {
"Benefits": "73,614",
"Debt Securities, Available-for-sale": "0",
"Insurance Commissions and Fees": "0",
"Liability for Future Policy Benefit": "0",
"Mortgage Loans on Real Estate, Net": "0",
"Net Investment Income": "10,587",
"Other Assets": "302,125",
"Other Compr. Net Income": "0",
"Other Expenses": "41,428",
"Other Liabilities": "205,848",
"Other Net Income": "0",
"Other Revenues": "274",
"Premiums Earned, Net": "107,471",
"Separate Account, Assets": "0",
"Separate Account, Liability": "0"
},
"output_variables": {
"Liabilities": "205,848",
"Assets": "302,125",
"Expenses": "115,042",
"Revenues": "118,332",
"Stockholders Equity": "96,277",
"Net Income": "3,290",
"Comprehensive Net Income": "3,290",
"BaseVar": "370,674",
"ECR before LimitedLiability": "20%",
"Economic Capital Ratio": "34%"
}
},
"2012": {
"input_variables": {
"Benefits": "89,817",
"Debt Securities, Available-for-sale": "0",
"Insurance Commissions and Fees": "0",
"Liability for Future Policy Benefit": "0",
"Mortgage Loans on Real Estate, Net": "0",
"Net Investment Income": "11,504",
"Other Assets": "320,177",
"Other Compr. Net Income": "7,327",
"Other Expenses": "45,575",
"Other Liabilities": "214,441",
"Other Net Income": "0",
"Other Revenues": "1,581",
"Premiums Earned, Net": "126,743",
"Separate Account, Assets": "0",
"Separate Account, Liability": "0"
},
"output_variables": {
"Liabilities": "214,441",
"Assets": "320,177",
"Expenses": "135,392",
"Revenues": "139,828",
"Stockholders Equity": "105,736",
"Net Income": "4,436",
"Comprehensive Net Income": "11,763",
"BaseVar": "408,582",
"ECR before LimitedLiability": "24%",
"Economic Capital Ratio": "36%"
}
},
"2013": {
"input_variables": {
"Benefits": "100,372",
"Debt Securities, Available-for-sale": "0",
"Insurance Commissions and Fees": "0",
"Liability for Future Policy Benefit": "0",
"Mortgage Loans on Real Estate, Net": "0",
"Net Investment Income": "10,809",
"Other Assets": "319,381",
"Other Compr. Net Income": "-13,367",
"Other Expenses": "53,975",
"Other Liabilities": "218,454",
"Other Net Income": "0",
"Other Revenues": "8,930",
"Premiums Earned, Net": "145,630",
"Separate Account, Assets": "0",
"Separate Account, Liability": "0"
},
"output_variables": {
"Liabilities": "218,454",
"Assets": "319,381",
"Expenses": "154,347",
"Revenues": "165,369",
"Stockholders Equity": "100,927",
"Net Income": "11,022",
"Comprehensive Net Income": "-2,345",
"BaseVar": "435,459",
"ECR before LimitedLiability": "18%",
"Economic Capital Ratio": "32%"
}
},
"2014": {
"input_variables": {
"Benefits": "106,195",
"Debt Securities, Available-for-sale": "0",
"Insurance Commissions and Fees": "0",
"Liability for Future Policy Benefit": "0",
"Mortgage Loans on Real Estate, Net": "0",
"Net Investment Income": "0",
"Other Assets": "317,008",
"Other Compr. Net Income": "3,075",
"Other Expenses": "55,696",
"Other Liabilities": "212,813",
"Other Net Income": "0",
"Other Revenues": "12,833",
"Premiums Earned, Net": "153,488",
"Separate Account, Assets": "0",
"Separate Account, Liability": "0"
},
"output_variables": {
"Liabilities": "212,813",
"Assets": "317,008",
"Expenses": "161,891",
"Revenues": "166,321",
"Stockholders Equity": "104,195",
"Net Income": "4,430",
"Comprehensive Net Income": "7,505",
"BaseVar": "430,554",
"ECR before LimitedLiability": "22%",
"Economic Capital Ratio": "35%"
}
},
"2015": {
"input_variables": {
"Benefits": "101,364",
"Debt Securities, Available-for-sale": "0",
"Insurance Commissions and Fees": "0",
"Liability for Future Policy Benefit": "0",
"Mortgage Loans on Real Estate, Net": "0",
"Net Investment Income": "0",
"Other Assets": "314,603",
"Other Compr. Net Income": "-4,695",
"Other Expenses": "60,185",
"Other Liabilities": "212,111",
"Other Net Income": "0",
"Other Revenues": "15,045",
"Premiums Earned, Net": "150,892",
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"Separate Account, Liability": "0"
},
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"Assets": "314,603",
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"Net Income": "4,388",
"Comprehensive Net Income": "-307",
"BaseVar": "429,448",
"ECR before LimitedLiability": "19%",
"Economic Capital Ratio": "33%"
}
}
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"trend": 0.0,
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},
{
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"main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_life/2015/plot_over_time/0000904163_main_keyfigs.svg",
"name": "American National Insurance CO",
"rank": 3,
"regression_plot": "https://www.realrate-archive.com/us_life/2015/backtesting_correlation/regression_0000904163.svg",
"report_text": "The relative strengths and weaknesses of American National Insurance CO are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of American National Insurance CO compared to the market average is the variable Liability for Future Policy Benefit, increasing the Economic Capital Ratio by 10% points.The greatest weakness of American National Insurance CO is the variable Other Liabilities, reducing the Economic Capital Ratio by 24% points.
The company's Economic Capital Ratio, given in the ranking table, is 27%, being 5.6% points above the market average of 22%.",
"report_url": "https://www.realrate-archive.com/us_life/2015/report/0000904163_2016_American_National_Insurance_CO.pdf",
"shrinked_graph_json": {
"2011": {
"Separate Account, Liability": "8.67",
"Liabilities": "0.975",
"Stockholders Equity": "0.474",
"ECR before LimitedLiability": "0.301",
"Other Liabilities": "-22.7",
"Liability for Future Policy Benefit": "8.74",
"Debt Securities, Available-for-sale": "-4.46",
"Assets": "-0.375",
"Separate Account, Assets": "-6.52",
"Mortgage Loans on Real Estate, Net": "-1.12",
"Other Assets": "9.65",
"Other Expenses": "-3.91",
"Expenses": "-0.985",
"Net Income": "0.704",
"Benefits": "3.22",
"Other Revenues": "4.23",
"Revenues": "1.69",
"Premiums Earned, Net": "-3.64",
"Net Investment Income": "1.72",
"Economic Capital Ratio": "0.616",
"Other Compr. Net Income": "-0.512"
},
"2012": {
"Other Liabilities": "-20.9",
"Liabilities": "2.35",
"Stockholders Equity": "2.04",
"ECR before LimitedLiability": "1.69",
"Separate Account, Liability": "9.06",
"Liability for Future Policy Benefit": "9.14",
"Other Expenses": "-4.86",
"Expenses": "-2.33",
"Net Income": "0.443",
"Benefits": "2.84",
"Other Revenues": "6.45",
"Revenues": "2.95",
"Premiums Earned, Net": "-4.37",
"Net Investment Income": "1.64",
"Separate Account, Assets": "-6.58",
"Debt Securities, Available-for-sale": "-2.93",
"Other Assets": "9.61",
"Mortgage Loans on Real Estate, Net": "-1.23",
"Comprehensive Net Income": "-0.247",
"Other Compr. Net Income": "-0.684",
"Economic Capital Ratio": "1.88"
},
"2013": {
"Separate Account, Liability": "10.0",
"Liabilities": "3.72",
"Stockholders Equity": "3.92",
"ECR before LimitedLiability": "5.41",
"Other Liabilities": "-19.6",
"Liability for Future Policy Benefit": "10.1",
"Other Expenses": "-5.16",
"Expenses": "-2.99",
"Net Income": "0.640",
"Benefits": "2.45",
"Net Investment Income": "1.65",
"Revenues": "3.83",
"Other Revenues": "6.20",
"Premiums Earned, Net": "-3.77",
"Debt Securities, Available-for-sale": "-2.00",
"Separate Account, Assets": "-6.79",
"Other Assets": "7.61",
"Mortgage Loans on Real Estate, Net": "4.81",
"Comprehensive Net Income": "1.52",
"Other Compr. Net Income": "0.871",
"Economic Capital Ratio": "5.58"
},
"2015": {
"Liability for Future Policy Benefit": "10.4",
"Liabilities": "3.71",
"Stockholders Equity": "4.44",
"ECR before LimitedLiability": "5.35",
"Other Liabilities": "-23.9",
"Separate Account, Liability": "10.3",
"Other Assets": "7.13",
"Assets": "0.812",
"Separate Account, Assets": "-7.57",
"Mortgage Loans on Real Estate, Net": "5.34",
"Debt Securities, Available-for-sale": "-0.584",
"Benefits": "3.15",
"Expenses": "-2.46",
"Comprehensive Net Income": "1.09",
"Other Expenses": "-5.25",
"Other Revenues": "6.12",
"Revenues": "2.78",
"Net Investment Income": "1.31",
"Premiums Earned, Net": "-4.37",
"Other Compr. Net Income": "0.639",
"Economic Capital Ratio": "5.57"
}
},
"strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_life/2015/plot_over_time/0000904163_strength_weakness.svg",
"table_records": {
"2011": {
"input_variables": {
"Benefits": "405,083",
"Debt Securities, Available-for-sale": "5,387,687",
"Insurance Commissions and Fees": "0",
"Liability for Future Policy Benefit": "0",
"Mortgage Loans on Real Estate, Net": "0",
"Net Investment Income": "968,165",
"Other Assets": "16,388,702",
"Other Compr. Net Income": "-67,780",
"Other Expenses": "2,425,009",
"Other Liabilities": "18,106,406",
"Other Net Income": "351",
"Other Revenues": "2,054,862",
"Premiums Earned, Net": "0",
"Separate Account, Assets": "747,867",
"Separate Account, Liability": "747,867"
},
"output_variables": {
"Liabilities": "18,854,273",
"Assets": "22,524,256",
"Expenses": "2,830,092",
"Revenues": "3,023,027",
"Stockholders Equity": "3,669,983",
"Net Income": "193,286",
"Comprehensive Net Income": "125,506",
"BaseVar": "23,649,890",
"ECR before LimitedLiability": "9.5%",
"Economic Capital Ratio": "26%"
}
},
"2012": {
"input_variables": {
"Benefits": "416,015",
"Debt Securities, Available-for-sale": "5,741,015",
"Insurance Commissions and Fees": "0",
"Liability for Future Policy Benefit": "0",
"Mortgage Loans on Real Estate, Net": "0",
"Net Investment Income": "985,398",
"Other Assets": "16,524,670",
"Other Compr. Net Income": "0",
"Other Expenses": "2,374,882",
"Other Liabilities": "18,426,358",
"Other Net Income": "-3,905",
"Other Revenues": "2,001,662",
"Premiums Earned, Net": "0",
"Separate Account, Assets": "841,389",
"Separate Account, Liability": "841,389"
},
"output_variables": {
"Liabilities": "19,267,747",
"Assets": "23,107,074",
"Expenses": "2,790,897",
"Revenues": "2,987,060",
"Stockholders Equity": "3,839,327",
"Net Income": "192,258",
"Comprehensive Net Income": "192,258",
"BaseVar": "24,078,342",
"ECR before LimitedLiability": "10.0%",
"Economic Capital Ratio": "26%"
}
},
"2013": {
"input_variables": {
"Benefits": "426,102",
"Debt Securities, Available-for-sale": "6,010,281",
"Insurance Commissions and Fees": "210,224",
"Liability for Future Policy Benefit": "0",
"Mortgage Loans on Real Estate, Net": "3,299,242",
"Net Investment Income": "1,016,810",
"Other Assets": "13,044,406",
"Other Compr. Net Income": "0",
"Other Expenses": "2,430,279",
"Other Liabilities": "18,150,598",
"Other Net Income": "9,476",
"Other Revenues": "1,892,176",
"Premiums Earned, Net": "0",
"Separate Account, Assets": "970,954",
"Separate Account, Liability": "970,954"
},
"output_variables": {
"Liabilities": "19,121,552",
"Assets": "23,324,883",
"Expenses": "2,856,381",
"Revenues": "3,119,210",
"Stockholders Equity": "4,203,331",
"Net Income": "272,305",
"Comprehensive Net Income": "272,305",
"BaseVar": "24,215,751",
"ECR before LimitedLiability": "11%",
"Economic Capital Ratio": "27%"
}
},
"2015": {
"input_variables": {
"Benefits": "293,464",
"Debt Securities, Available-for-sale": "6,998,895",
"Insurance Commissions and Fees": "250,265",
"Liability for Future Policy Benefit": "0",
"Mortgage Loans on Real Estate, Net": "3,483,280",
"Net Investment Income": "834,831",
"Other Assets": "12,346,341",
"Other Compr. Net Income": "0",
"Other Expenses": "2,559,023",
"Other Liabilities": "18,366,045",
"Other Net Income": "77,408",
"Other Revenues": "1,932,359",
"Premiums Earned, Net": "0",
"Separate Account, Assets": "918,446",
"Separate Account, Liability": "918,446"
},
"output_variables": {
"Liabilities": "19,284,491",
"Assets": "23,746,962",
"Expenses": "2,852,487",
"Revenues": "3,017,455",
"Stockholders Equity": "4,462,471",
"Net Income": "242,376",
"Comprehensive Net Income": "242,376",
"BaseVar": "24,489,402",
"ECR before LimitedLiability": "11%",
"Economic Capital Ratio": "27%"
}
}
},
"top_rated": true,
"trend": null,
"value": 0.2722411613919566,
"company_index": "https://www.realrate-archive.com/us_life/2015/industry_indexes/0000904163.svg",
"analysing_equity": "https://www.realrate-archive.com/us_life/2015/analytics/equity/0000904163.svg",
"analysing_profit_loss": "https://www.realrate-archive.com/us_life/2015/analytics/profit_loss/0000904163.svg"
},
{
"company_id": "0001635984",
"feature_distribution_plot": "https://www.realrate-archive.com/us_life/2015/feature_distribution/feature_distribution_0001635984.svg",
"graph_url": "https://www.realrate-archive.com/us_life/2015/graphs/IME_0001635984.svg",
"logo_url": "https://www.realrate-archive.com/us_life/logos/0001635984.png",
"logo_url_256x256": "https://www.realrate-archive.com/us_life/logos/0001635984_256x256.png",
"main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_life/2015/plot_over_time/0001635984_main_keyfigs.svg",
"name": "National Western Life Group Inc",
"rank": 4,
"regression_plot": "https://www.realrate-archive.com/us_life/2015/backtesting_correlation/regression_0001635984.svg",
"report_text": "The relative strengths and weaknesses of National Western Life Group Inc are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of National Western Life Group Inc compared to the market average is the variable Other Assets, increasing the Economic Capital Ratio by 18% points.The greatest weakness of National Western Life Group Inc is the variable Other Liabilities, reducing the Economic Capital Ratio by 31% points.
The company's Economic Capital Ratio, given in the ranking table, is 25%, being 3.0% points above the market average of 22%.",
"report_url": "https://www.realrate-archive.com/us_life/2015/report/0001635984_2016_National_Western_Life_Group_Inc.pdf",
"shrinked_graph_json": {
"2015": {
"Liability for Future Policy Benefit": "7.91",
"Liabilities": "-1.01",
"Stockholders Equity": "2.41",
"ECR before LimitedLiability": "2.78",
"Other Liabilities": "-31.0",
"Separate Account, Liability": "7.96",
"Other Assets": "17.7",
"Assets": "3.24",
"Separate Account, Assets": "-8.70",
"Mortgage Loans on Real Estate, Net": "-0.650",
"Debt Securities, Available-for-sale": "-9.50",
"Benefits": "2.18",
"Expenses": "4.24",
"Comprehensive Net Income": "0.955",
"Other Expenses": "1.96",
"Other Revenues": "-0.995",
"Revenues": "-3.56",
"Net Investment Income": "1.22",
"Premiums Earned, Net": "-4.28",
"Other Compr. Net Income": "0.626",
"Economic Capital Ratio": "2.99"
}
},
"strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_life/2015/plot_over_time/0001635984_strength_weakness.svg",
"table_records": {
"2015": {
"input_variables": {
"Benefits": "244,353",
"Debt Securities, Available-for-sale": "0",
"Insurance Commissions and Fees": "155,608",
"Liability for Future Policy Benefit": "0",
"Mortgage Loans on Real Estate, Net": "108,311",
"Net Investment Income": "379,114",
"Other Assets": "11,504,265",
"Other Compr. Net Income": "0",
"Other Expenses": "247,047",
"Other Liabilities": "10,000,590",
"Other Net Income": "0",
"Other Revenues": "55,074",
"Premiums Earned, Net": "0",
"Separate Account, Assets": "0",
"Separate Account, Liability": "0"
},
"output_variables": {
"Liabilities": "10,000,590",
"Assets": "11,612,576",
"Expenses": "491,400",
"Revenues": "589,796",
"Stockholders Equity": "1,611,986",
"Net Income": "98,396",
"Comprehensive Net Income": "98,396",
"BaseVar": "11,347,181",
"ECR before LimitedLiability": "8.4%",
"Economic Capital Ratio": "25%"
}
}
},
"top_rated": true,
"trend": null,
"value": 0.24648628130313932,
"company_index": "https://www.realrate-archive.com/us_life/2015/industry_indexes/0001635984.svg",
"analysing_equity": "https://www.realrate-archive.com/us_life/2015/analytics/equity/0001635984.svg",
"analysing_profit_loss": "https://www.realrate-archive.com/us_life/2015/analytics/profit_loss/0001635984.svg"
},
{
"company_id": "0000845091",
"feature_distribution_plot": "https://www.realrate-archive.com/us_life/2015/feature_distribution/feature_distribution_0000845091.svg",
"graph_url": "https://www.realrate-archive.com/us_life/2015/graphs/IME_0000845091.svg",
"logo_url": "https://www.realrate-archive.com/us_life/logos/0000845091.svg",
"logo_url_256x256": "https://www.realrate-archive.com/us_life/logos/0000845091_256x256.png",
"main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_life/2015/plot_over_time/0000845091_main_keyfigs.svg",
"name": "Transamerica Advisors LIFE Insurance Co",
"rank": 5,
"regression_plot": "https://www.realrate-archive.com/us_life/2015/backtesting_correlation/regression_0000845091.svg",
"report_text": "The relative strengths and weaknesses of Transamerica Advisors LIFE Insurance Co are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of Transamerica Advisors LIFE Insurance Co compared to the market average is the variable Separate Account, Assets, increasing the Economic Capital Ratio by 9.3% points.The greatest weakness of Transamerica Advisors LIFE Insurance Co is the variable Separate Account, Liability, reducing the Economic Capital Ratio by 20% points.
The company's Economic Capital Ratio, given in the ranking table, is 24%, being 1.9% points above the market average of 22%.",
"report_url": "https://www.realrate-archive.com/us_life/2015/report/0000845091_2016_Transamerica_Advisors_LIFE_Insurance_Co.pdf",
"shrinked_graph_json": {
"2011": {
"Separate Account, Liability": "-23.9",
"Liabilities": "-4.31",
"Stockholders Equity": "-0.963",
"ECR before LimitedLiability": "-1.75",
"Other Liabilities": "7.33",
"Liability for Future Policy Benefit": "1.57",
"Debt Securities, Available-for-sale": "-5.81",
"Assets": "3.05",
"Separate Account, Assets": "10.9",
"Mortgage Loans on Real Estate, Net": "-0.874",
"Other Assets": "-7.64",
"Other Expenses": "5.25",
"Expenses": "6.61",
"Comprehensive Net Income": "0.282",
"Benefits": "2.29",
"Other Revenues": "-2.27",
"Revenues": "-6.61",
"Premiums Earned, Net": "-3.46",
"Net Investment Income": "-0.950",
"Insurance Commissions and Fees": "-0.249",
"Economic Capital Ratio": "-1.44"
},
"2012": {
"Other Liabilities": "9.06",
"Liabilities": "-2.87",
"Stockholders Equity": "1.21",
"ECR before LimitedLiability": "1.14",
"Separate Account, Liability": "-24.5",
"Liability for Future Policy Benefit": "2.40",
"Debt Securities, Available-for-sale": "-3.94",
"Assets": "3.79",
"Other Assets": "-7.73",
"Mortgage Loans on Real Estate, Net": "-0.939",
"Separate Account, Assets": "11.8",
"Other Expenses": "3.71",
"Expenses": "7.36",
"Revenues": "-5.31",
"Net Income": "1.15",
"Benefits": "3.35",
"Premiums Earned, Net": "-3.99",
"Net Investment Income": "-1.29",
"Comprehensive Net Income": "0.693",
"Other Compr. Net Income": "-0.442",
"Economic Capital Ratio": "1.32"
},
"2013": {
"Separate Account, Liability": "-24.7",
"Liabilities": "-3.09",
"ECR before LimitedLiability": "-2.12",
"Other Liabilities": "4.10",
"Liability for Future Policy Benefit": "2.52",
"Debt Securities, Available-for-sale": "-5.35",
"Assets": "2.55",
"Separate Account, Assets": "8.84",
"Other Assets": "-9.23",
"Mortgage Loans on Real Estate, Net": "-1.23",
"Other Expenses": "2.16",
"Expenses": "2.61",
"Net Income": "-2.76",
"Benefits": "2.53",
"Net Investment Income": "-1.20",
"Revenues": "-7.56",
"Other Revenues": "-3.83",
"Premiums Earned, Net": "-4.00",
"Insurance Commissions and Fees": "1.16",
"Comprehensive Net Income": "-2.41",
"Economic Capital Ratio": "-1.95"
},
"2014": {
"Separate Account, Liability": "-22.8",
"Liabilities": "-1.91",
"Stockholders Equity": "2.09",
"ECR before LimitedLiability": "1.16",
"Liability for Future Policy Benefit": "4.34",
"Other Liabilities": "8.10",
"Other Assets": "-6.44",
"Assets": "3.81",
"Separate Account, Assets": "10.8",
"Mortgage Loans on Real Estate, Net": "-1.01",
"Debt Securities, Available-for-sale": "-5.03",
"Other Expenses": "2.58",
"Expenses": "5.85",
"Net Income": "-0.219",
"Benefits": "3.09",
"Net Investment Income": "-1.01",
"Revenues": "-5.36",
"Other Revenues": "-1.63",
"Premiums Earned, Net": "-3.86",
"Insurance Commissions and Fees": "1.02",
"Economic Capital Ratio": "1.39"
},
"2015": {
"Liability for Future Policy Benefit": "2.92",
"Liabilities": "-1.73",
"Stockholders Equity": "2.66",
"ECR before LimitedLiability": "1.70",
"Other Liabilities": "7.19",
"Separate Account, Liability": "-20.4",
"Other Assets": "-6.71",
"Assets": "4.30",
"Separate Account, Assets": "9.32",
"Mortgage Loans on Real Estate, Net": "-0.621",
"Debt Securities, Available-for-sale": "-4.03",
"Benefits": "2.50",
"Expenses": "5.98",
"Net Income": "-0.312",
"Other Expenses": "3.29",
"Other Revenues": "-1.78",
"Revenues": "-5.54",
"Insurance Commissions and Fees": "1.08",
"Net Investment Income": "-0.637",
"Premiums Earned, Net": "-4.30",
"Economic Capital Ratio": "1.92"
}
},
"strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_life/2015/plot_over_time/0000845091_strength_weakness.svg",
"table_records": {
"2011": {
"input_variables": {
"Benefits": "254,821",
"Debt Securities, Available-for-sale": "1,873,121",
"Insurance Commissions and Fees": "0",
"Liability for Future Policy Benefit": "1,974,774",
"Mortgage Loans on Real Estate, Net": "55,667",
"Net Investment Income": "127,519",
"Other Assets": "1,579,959",
"Other Compr. Net Income": "47,742",
"Other Expenses": "44,356",
"Other Liabilities": "271,070",
"Other Net Income": "0",
"Other Revenues": "190,317",
"Premiums Earned, Net": "0",
"Separate Account, Assets": "7,007,468",
"Separate Account, Liability": "7,007,468"
},
"output_variables": {
"Liabilities": "9,253,312",
"Assets": "10,516,215",
"Expenses": "299,177",
"Revenues": "317,836",
"Stockholders Equity": "1,262,903",
"Net Income": "18,659",
"Comprehensive Net Income": "66,401",
"BaseVar": "10,217,141",
"ECR before LimitedLiability": "7.1%",
"Economic Capital Ratio": "24%"
}
},
"2012": {
"input_variables": {
"Benefits": "87,676",
"Debt Securities, Available-for-sale": "2,005,663",
"Insurance Commissions and Fees": "0",
"Liability for Future Policy Benefit": "1,842,784",
"Mortgage Loans on Real Estate, Net": "52,619",
"Net Investment Income": "83,730",
"Other Assets": "1,507,951",
"Other Compr. Net Income": "21,481",
"Other Expenses": "17,885",
"Other Liabilities": "273,189",
"Other Net Income": "0",
"Other Revenues": "187,707",
"Premiums Earned, Net": "0",
"Separate Account, Assets": "6,968,855",
"Separate Account, Liability": "6,968,855"
},
"output_variables": {
"Liabilities": "9,084,828",
"Assets": "10,535,088",
"Expenses": "105,561",
"Revenues": "271,437",
"Stockholders Equity": "1,450,260",
"Net Income": "165,876",
"Comprehensive Net Income": "187,357",
"BaseVar": "10,009,198",
"ECR before LimitedLiability": "9.3%",
"Economic Capital Ratio": "25%"
}
},
"2013": {
"input_variables": {
"Benefits": "104,014",
"Debt Securities, Available-for-sale": "1,752,908",
"Insurance Commissions and Fees": "185,596",
"Liability for Future Policy Benefit": "1,704,868",
"Mortgage Loans on Real Estate, Net": "46,432",
"Net Investment Income": "121,133",
"Other Assets": "1,414,230",
"Other Compr. Net Income": "-57,007",
"Other Expenses": "192,772",
"Other Liabilities": "369,901",
"Other Net Income": "0",
"Other Revenues": "-264,395",
"Premiums Earned, Net": "0",
"Separate Account, Assets": "7,342,243",
"Separate Account, Liability": "7,342,243"
},
"output_variables": {
"Liabilities": "9,417,012",
"Assets": "10,555,813",
"Expenses": "296,786",
"Revenues": "42,334",
"Stockholders Equity": "1,138,801",
"Net Income": "-254,452",
"Comprehensive Net Income": "-311,459",
"BaseVar": "10,184,476",
"ECR before LimitedLiability": "2.6%",
"Economic Capital Ratio": "19%"
}
},
"2014": {
"input_variables": {
"Benefits": "132,476",
"Debt Securities, Available-for-sale": "1,903,871",
"Insurance Commissions and Fees": "183,297",
"Liability for Future Policy Benefit": "1,661,961",
"Mortgage Loans on Real Estate, Net": "66,667",
"Net Investment Income": "116,938",
"Other Assets": "1,366,534",
"Other Compr. Net Income": "69,539",
"Other Expenses": "60,701",
"Other Liabilities": "313,109",
"Other Net Income": "0",
"Other Revenues": "-73,525",
"Premiums Earned, Net": "0",
"Separate Account, Assets": "6,771,369",
"Separate Account, Liability": "6,771,369"
},
"output_variables": {
"Liabilities": "8,746,439",
"Assets": "10,108,441",
"Expenses": "193,177",
"Revenues": "226,710",
"Stockholders Equity": "1,362,002",
"Net Income": "33,533",
"Comprehensive Net Income": "103,072",
"BaseVar": "9,672,153",
"ECR before LimitedLiability": "8.3%",
"Economic Capital Ratio": "25%"
}
},
"2015": {
"input_variables": {
"Benefits": "160,160",
"Debt Securities, Available-for-sale": "1,700,004",
"Insurance Commissions and Fees": "166,746",
"Liability for Future Policy Benefit": "1,706,192",
"Mortgage Loans on Real Estate, Net": "92,914",
"Net Investment Income": "112,184",
"Other Assets": "1,432,352",
"Other Compr. Net Income": "-52,651",
"Other Expenses": "69,345",
"Other Liabilities": "227,577",
"Other Net Income": "0",
"Other Revenues": "-35,767",
"Premiums Earned, Net": "0",
"Separate Account, Assets": "5,940,665",
"Separate Account, Liability": "5,940,665"
},
"output_variables": {
"Liabilities": "7,874,434",
"Assets": "9,165,935",
"Expenses": "229,505",
"Revenues": "243,163",
"Stockholders Equity": "1,291,501",
"Net Income": "13,658",
"Comprehensive Net Income": "-38,993",
"BaseVar": "8,782,844",
"ECR before LimitedLiability": "7.1%",
"Economic Capital Ratio": "24%"
}
}
},
"top_rated": true,
"trend": 4.0,
"value": 0.23576878761598202,
"company_index": "https://www.realrate-archive.com/us_life/2015/industry_indexes/0000845091.svg",
"analysing_equity": "https://www.realrate-archive.com/us_life/2015/analytics/equity/0000845091.svg",
"analysing_profit_loss": "https://www.realrate-archive.com/us_life/2015/analytics/profit_loss/0000845091.svg"
},
{
"company_id": "0001475922",
"feature_distribution_plot": "https://www.realrate-archive.com/us_life/2015/feature_distribution/feature_distribution_0001475922.svg",
"graph_url": "https://www.realrate-archive.com/us_life/2015/graphs/IME_0001475922.svg",
"logo_url": "https://www.realrate-archive.com/us_life/logos/0001475922.svg",
"logo_url_256x256": "https://www.realrate-archive.com/us_life/logos/0001475922_256x256.png",
"main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_life/2015/plot_over_time/0001475922_main_keyfigs.svg",
"name": "Primerica Inc",
"rank": 6,
"regression_plot": "https://www.realrate-archive.com/us_life/2015/backtesting_correlation/regression_0001475922.svg",
"report_text": "The relative strengths and weaknesses of Primerica Inc are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of Primerica Inc compared to the market average is the variable Other Assets, increasing the Economic Capital Ratio by 6.9% points.The greatest weakness of Primerica Inc is the variable Liability for Future Policy Benefit, reducing the Economic Capital Ratio by 12% points.
The company's Economic Capital Ratio, given in the ranking table, is 23%, being 1.6% points above the market average of 22%.",
"report_url": "https://www.realrate-archive.com/us_life/2015/report/0001475922_2016_Primerica_Inc.pdf",
"shrinked_graph_json": {
"2014": {
"Separate Account, Liability": "1.98",
"Liabilities": "1.51",
"Stockholders Equity": "0.757",
"ECR before LimitedLiability": "0.740",
"Liability for Future Policy Benefit": "-10.4",
"Other Liabilities": "7.32",
"Other Expenses": "-3.66",
"Expenses": "-1.80",
"Net Income": "0.971",
"Benefits": "2.03",
"Net Investment Income": "-1.54",
"Revenues": "2.88",
"Other Revenues": "3.89",
"Premiums Earned, Net": "1.36",
"Insurance Commissions and Fees": "-0.705",
"Other Assets": "7.64",
"Mortgage Loans on Real Estate, Net": "-1.41",
"Separate Account, Assets": "-1.62",
"Debt Securities, Available-for-sale": "-6.74",
"Economic Capital Ratio": "0.970",
"Other Compr. Net Income": "-0.693"
},
"2015": {
"Liability for Future Policy Benefit": "-11.8",
"Liabilities": "1.56",
"ECR before LimitedLiability": "1.40",
"Other Liabilities": "6.39",
"Separate Account, Liability": "4.67",
"Other Assets": "6.92",
"Assets": "-0.832",
"Separate Account, Assets": "-3.71",
"Mortgage Loans on Real Estate, Net": "-1.16",
"Debt Securities, Available-for-sale": "-5.78",
"Benefits": "1.58",
"Expenses": "-1.76",
"Net Income": "1.17",
"Other Expenses": "-3.22",
"Other Revenues": "3.58",
"Revenues": "3.05",
"Insurance Commissions and Fees": "-0.701",
"Net Investment Income": "-1.29",
"Premiums Earned, Net": "1.56",
"Comprehensive Net Income": "1.14",
"Economic Capital Ratio": "1.61"
}
},
"strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_life/2015/plot_over_time/0001475922_strength_weakness.svg",
"table_records": {
"2014": {
"input_variables": {
"Benefits": "311,417",
"Debt Securities, Available-for-sale": "1,812,510",
"Insurance Commissions and Fees": "0",
"Liability for Future Policy Benefit": "5,264,608",
"Mortgage Loans on Real Estate, Net": "0",
"Net Investment Income": "86,473",
"Other Assets": "6,485,301",
"Other Compr. Net Income": "-12,479",
"Other Expenses": "848,779",
"Other Liabilities": "1,788,077",
"Other Net Income": "1,578",
"Other Revenues": "569,042",
"Premiums Earned, Net": "684,515",
"Separate Account, Assets": "2,440,303",
"Separate Account, Liability": "2,440,303"
},
"output_variables": {
"Liabilities": "9,492,988",
"Assets": "10,738,114",
"Expenses": "1,160,196",
"Revenues": "1,340,030",
"Stockholders Equity": "1,245,126",
"Net Income": "181,412",
"Comprehensive Net Income": "168,933",
"BaseVar": "11,372,692",
"ECR before LimitedLiability": "7.8%",
"Economic Capital Ratio": "24%"
}
},
"2015": {
"input_variables": {
"Benefits": "339,315",
"Debt Securities, Available-for-sale": "1,779,298",
"Insurance Commissions and Fees": "0",
"Liability for Future Policy Benefit": "5,431,711",
"Mortgage Loans on Real Estate, Net": "0",
"Net Investment Income": "76,509",
"Other Assets": "6,768,922",
"Other Compr. Net Income": "-83,292",
"Other Expenses": "876,128",
"Other Liabilities": "1,970,737",
"Other Net Income": "0",
"Other Revenues": "578,581",
"Premiums Earned, Net": "750,224",
"Separate Account, Assets": "2,063,899",
"Separate Account, Liability": "2,063,899"
},
"output_variables": {
"Liabilities": "9,466,347",
"Assets": "10,612,119",
"Expenses": "1,215,443",
"Revenues": "1,405,314",
"Stockholders Equity": "1,145,772",
"Net Income": "189,871",
"Comprehensive Net Income": "106,579",
"BaseVar": "11,391,258",
"ECR before LimitedLiability": "6.8%",
"Economic Capital Ratio": "23%"
}
}
},
"top_rated": false,
"trend": 4.0,
"value": 0.23268486963077195,
"company_index": "https://www.realrate-archive.com/us_life/2015/industry_indexes/0001475922.svg",
"analysing_equity": "https://www.realrate-archive.com/us_life/2015/analytics/equity/0001475922.svg",
"analysing_profit_loss": "https://www.realrate-archive.com/us_life/2015/analytics/profit_loss/0001475922.svg"
},
{
"company_id": "0001012771",
"feature_distribution_plot": "https://www.realrate-archive.com/us_life/2015/feature_distribution/feature_distribution_0001012771.svg",
"graph_url": "https://www.realrate-archive.com/us_life/2015/graphs/IME_0001012771.svg",
"logo_url": "https://www.realrate-archive.com/us_life/logos/0001012771.jpeg",
"logo_url_256x256": "https://www.realrate-archive.com/us_life/logos/0001012771_256x256.png",
"main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_life/2015/plot_over_time/0001012771_main_keyfigs.svg",
"name": "FBL Financial Group INC",
"rank": 7,
"regression_plot": "https://www.realrate-archive.com/us_life/2015/backtesting_correlation/regression_0001012771.svg",
"report_text": "The relative strengths and weaknesses of FBL Financial Group INC are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of FBL Financial Group INC compared to the market average is the variable Debt Securities, Available-for-sale, increasing the Economic Capital Ratio by 9.9% points.The greatest weakness of FBL Financial Group INC is the variable Other Liabilities, reducing the Economic Capital Ratio by 25% points.
The company's Economic Capital Ratio, given in the ranking table, is 23%, being 1.2% points above the market average of 22%.",
"report_url": "https://www.realrate-archive.com/us_life/2015/report/0001012771_2016_FBL_Financial_Group_INC.pdf",
"shrinked_graph_json": {
"2012": {
"Debt Securities, Available-for-sale": "11.9",
"Assets": "1.21",
"Stockholders Equity": "1.17",
"ECR before LimitedLiability": "1.89",
"Other Assets": "-9.10",
"Mortgage Loans on Real Estate, Net": "1.46",
"Separate Account, Assets": "-5.16",
"Other Expenses": "-0.531",
"Expenses": "2.03",
"Net Income": "0.550",
"Benefits": "2.59",
"Other Revenues": "1.42",
"Revenues": "-1.43",
"Premiums Earned, Net": "-4.17",
"Net Investment Income": "1.71",
"Other Liabilities": "-20.5",
"Separate Account, Liability": "7.31",
"Liability for Future Policy Benefit": "9.31",
"Comprehensive Net Income": "1.08",
"Other Compr. Net Income": "0.522",
"Economic Capital Ratio": "2.08"
},
"2013": {
"Debt Securities, Available-for-sale": "9.34",
"Assets": "1.02",
"Separate Account, Liability": "5.55",
"Stockholders Equity": "1.42",
"ECR before LimitedLiability": "0.845",
"Separate Account, Assets": "-6.30",
"Other Assets": "-9.51",
"Mortgage Loans on Real Estate, Net": "1.68",
"Other Expenses": "-0.857",
"Expenses": "1.60",
"Net Income": "0.805",
"Benefits": "2.51",
"Net Investment Income": "1.83",
"Revenues": "-0.883",
"Other Revenues": "0.883",
"Premiums Earned, Net": "-4.00",
"Insurance Commissions and Fees": "0.636",
"Other Liabilities": "-20.2",
"Liability for Future Policy Benefit": "5.80",
"Economic Capital Ratio": "1.01",
"Other Compr. Net Income": "-0.991"
},
"2014": {
"Other Assets": "-7.45",
"Assets": "1.32",
"Stockholders Equity": "1.94",
"ECR before LimitedLiability": "2.88",
"Separate Account, Assets": "-6.01",
"Mortgage Loans on Real Estate, Net": "1.47",
"Debt Securities, Available-for-sale": "11.3",
"Other Expenses": "-1.05",
"Expenses": "1.64",
"Net Income": "0.536",
"Benefits": "2.76",
"Net Investment Income": "1.61",
"Revenues": "-1.16",
"Other Revenues": "0.945",
"Premiums Earned, Net": "-3.92",
"Separate Account, Liability": "8.74",
"Other Liabilities": "-23.5",
"Liability for Future Policy Benefit": "9.51",
"Comprehensive Net Income": "1.36",
"Other Compr. Net Income": "0.812",
"Economic Capital Ratio": "3.11"
},
"2015": {
"Other Assets": "-8.85",
"Assets": "1.43",
"Liability for Future Policy Benefit": "6.32",
"Stockholders Equity": "1.58",
"ECR before LimitedLiability": "0.956",
"Separate Account, Assets": "-7.51",
"Mortgage Loans on Real Estate, Net": "2.59",
"Debt Securities, Available-for-sale": "9.87",
"Benefits": "2.62",
"Expenses": "2.19",
"Net Income": "0.692",
"Other Expenses": "-0.410",
"Other Revenues": "0.695",
"Revenues": "-1.52",
"Insurance Commissions and Fees": "0.502",
"Net Investment Income": "2.17",
"Premiums Earned, Net": "-4.60",
"Other Liabilities": "-25.0",
"Separate Account, Liability": "6.07",
"Economic Capital Ratio": "1.17",
"Other Compr. Net Income": "-0.808"
}
},
"strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_life/2015/plot_over_time/0001012771_strength_weakness.svg",
"table_records": {
"2012": {
"input_variables": {
"Benefits": "156,290",
"Debt Securities, Available-for-sale": "6,351,998",
"Insurance Commissions and Fees": "0",
"Liability for Future Policy Benefit": "0",
"Mortgage Loans on Real Estate, Net": "554,843",
"Net Investment Income": "361,324",
"Other Assets": "892,076",
"Other Compr. Net Income": "112,091",
"Other Expenses": "421,137",
"Other Liabilities": "6,586,670",
"Other Net Income": "1,744",
"Other Revenues": "294,216",
"Premiums Earned, Net": "0",
"Separate Account, Assets": "618,809",
"Separate Account, Liability": "618,809"
},
"output_variables": {
"Liabilities": "7,205,479",
"Assets": "8,417,726",
"Expenses": "577,427",
"Revenues": "655,540",
"Stockholders Equity": "1,212,247",
"Net Income": "79,857",
"Comprehensive Net Income": "191,948",
"BaseVar": "8,485,004",
"ECR before LimitedLiability": "10%",
"Economic Capital Ratio": "26%"
}
},
"2013": {
"input_variables": {
"Benefits": "160,471",
"Debt Securities, Available-for-sale": "6,173,308",
"Insurance Commissions and Fees": "111,575",
"Liability for Future Policy Benefit": "0",
"Mortgage Loans on Real Estate, Net": "575,861",
"Net Investment Income": "370,651",
"Other Assets": "1,018,199",
"Other Compr. Net Income": "-170,621",
"Other Expenses": "429,777",
"Other Liabilities": "6,722,577",
"Other Net Income": "7,410",
"Other Revenues": "209,005",
"Premiums Earned, Net": "0",
"Separate Account, Assets": "693,955",
"Separate Account, Liability": "693,955"
},
"output_variables": {
"Liabilities": "7,416,532",
"Assets": "8,461,323",
"Expenses": "590,248",
"Revenues": "691,231",
"Stockholders Equity": "1,044,791",
"Net Income": "108,393",
"Comprehensive Net Income": "-62,228",
"BaseVar": "8,668,682",
"ECR before LimitedLiability": "5.8%",
"Economic Capital Ratio": "22%"
}
},
"2014": {
"input_variables": {
"Benefits": "162,876",
"Debt Securities, Available-for-sale": "6,813,321",
"Insurance Commissions and Fees": "109,770",
"Liability for Future Policy Benefit": "0",
"Mortgage Loans on Real Estate, Net": "629,296",
"Net Investment Income": "382,082",
"Other Assets": "938,758",
"Other Compr. Net Income": "139,415",
"Other Expenses": "430,297",
"Other Liabilities": "7,128,493",
"Other Net Income": "10,103",
"Other Revenues": "201,087",
"Premiums Earned, Net": "0",
"Separate Account, Assets": "683,033",
"Separate Account, Liability": "683,033"
},
"output_variables": {
"Liabilities": "7,811,526",
"Assets": "9,064,408",
"Expenses": "593,173",
"Revenues": "692,939",
"Stockholders Equity": "1,252,882",
"Net Income": "109,869",
"Comprehensive Net Income": "249,284",
"BaseVar": "9,155,782",
"ECR before LimitedLiability": "10%",
"Economic Capital Ratio": "26%"
}
},
"2015": {
"input_variables": {
"Benefits": "176,145",
"Debt Securities, Available-for-sale": "6,759,443",
"Insurance Commissions and Fees": "114,584",
"Liability for Future Policy Benefit": "0",
"Mortgage Loans on Real Estate, Net": "744,303",
"Net Investment Income": "391,149",
"Other Assets": "1,003,001",
"Other Compr. Net Income": "-143,878",
"Other Expenses": "442,714",
"Other Liabilities": "7,372,273",
"Other Net Income": "9,577",
"Other Revenues": "217,076",
"Premiums Earned, Net": "0",
"Separate Account, Assets": "625,257",
"Separate Account, Liability": "625,257"
},
"output_variables": {
"Liabilities": "7,997,530",
"Assets": "9,132,004",
"Expenses": "618,859",
"Revenues": "722,809",
"Stockholders Equity": "1,134,474",
"Net Income": "113,527",
"Comprehensive Net Income": "-30,351",
"BaseVar": "9,312,328",
"ECR before LimitedLiability": "6.3%",
"Economic Capital Ratio": "23%"
}
}
},
"top_rated": false,
"trend": -4.0,
"value": 0.2282873965549867,
"company_index": "https://www.realrate-archive.com/us_life/2015/industry_indexes/0001012771.svg",
"analysing_equity": "https://www.realrate-archive.com/us_life/2015/analytics/equity/0001012771.svg",
"analysing_profit_loss": "https://www.realrate-archive.com/us_life/2015/analytics/profit_loss/0001012771.svg"
},
{
"company_id": "0000898174",
"feature_distribution_plot": "https://www.realrate-archive.com/us_life/2015/feature_distribution/feature_distribution_0000898174.svg",
"graph_url": "https://www.realrate-archive.com/us_life/2015/graphs/IME_0000898174.svg",
"logo_url": "https://www.realrate-archive.com/us_life/logos/0000898174.png",
"logo_url_256x256": "https://www.realrate-archive.com/us_life/logos/0000898174_256x256.png",
"main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_life/2015/plot_over_time/0000898174_main_keyfigs.svg",
"name": "Reinsurance Group OF America INC",
"rank": 8,
"regression_plot": "https://www.realrate-archive.com/us_life/2015/backtesting_correlation/regression_0000898174.svg",
"report_text": "The relative strengths and weaknesses of Reinsurance Group OF America INC are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of Reinsurance Group OF America INC compared to the market average is the variable Separate Account, Liability, increasing the Economic Capital Ratio by 6.1% points.The greatest weakness of Reinsurance Group OF America INC is the variable Separate Account, Assets, reducing the Economic Capital Ratio by 11% points.
The company's Economic Capital Ratio, given in the ranking table, is 22%, being 0.52% points above the market average of 22%.",
"report_url": "https://www.realrate-archive.com/us_life/2015/report/0000898174_2016_Reinsurance_Group_OF_America_INC.pdf",
"shrinked_graph_json": {
"2010": {
"Liability for Future Policy Benefit": "0.961",
"Liabilities": "5.89",
"Stockholders Equity": "0.421",
"ECR before LimitedLiability": "2.55",
"Separate Account, Liability": "4.63",
"Other Assets": "-3.52",
"Assets": "-3.69",
"Mortgage Loans on Real Estate, Net": "-0.623",
"Separate Account, Assets": "-3.20",
"Debt Securities, Available-for-sale": "4.38",
"Benefits": "-7.43",
"Expenses": "-8.50",
"Net Income": "0.319",
"Other Expenses": "-1.21",
"Net Investment Income": "0.821",
"Revenues": "10.8",
"Other Revenues": "-3.19",
"Premiums Earned, Net": "12.2",
"Comprehensive Net Income": "1.37",
"Other Compr. Net Income": "1.04",
"Economic Capital Ratio": "2.80"
},
"2011": {
"Separate Account, Liability": "12.7",
"Liabilities": "7.41",
"Assets": "-4.25",
"Stockholders Equity": "0.820",
"ECR before LimitedLiability": "4.73",
"Other Liabilities": "-3.26",
"Liability for Future Policy Benefit": "-1.99",
"Debt Securities, Available-for-sale": "3.79",
"Separate Account, Assets": "-7.24",
"Other Assets": "0.663",
"Other Expenses": "1.48",
"Expenses": "-9.72",
"Net Income": "1.49",
"Benefits": "-11.0",
"Other Revenues": "-3.58",
"Revenues": "13.1",
"Premiums Earned, Net": "13.3",
"Net Investment Income": "0.959",
"Comprehensive Net Income": "3.18",
"Other Compr. Net Income": "1.63",
"Economic Capital Ratio": "5.05"
},
"2012": {
"Other Liabilities": "-4.72",
"Liabilities": "7.24",
"Stockholders Equity": "1.58",
"ECR before LimitedLiability": "3.65",
"Separate Account, Liability": "11.0",
"Liability for Future Policy Benefit": "-0.441",
"Debt Securities, Available-for-sale": "8.80",
"Assets": "-3.85",
"Other Assets": "-2.44",
"Mortgage Loans on Real Estate, Net": "0.849",
"Separate Account, Assets": "-7.78",
"Expenses": "-9.64",
"Net Income": "1.03",
"Benefits": "-9.41",
"Other Revenues": "-1.35",
"Revenues": "11.1",
"Premiums Earned, Net": "11.1",
"Net Investment Income": "1.26",
"Comprehensive Net Income": "1.35",
"Other Compr. Net Income": "0.313",
"Economic Capital Ratio": "3.83"
},
"2013": {
"Separate Account, Liability": "8.71",
"Liabilities": "8.28",
"Stockholders Equity": "1.90",
"ECR before LimitedLiability": "3.81",
"Other Liabilities": "-4.19",
"Liability for Future Policy Benefit": "-1.55",
"Debt Securities, Available-for-sale": "8.45",
"Assets": "-4.58",
"Separate Account, Assets": "-9.09",
"Other Assets": "-2.14",
"Mortgage Loans on Real Estate, Net": "1.08",
"Expenses": "-11.9",
"Comprehensive Net Income": "1.52",
"Benefits": "-11.5",
"Net Investment Income": "1.44",
"Revenues": "8.97",
"Other Revenues": "-0.919",
"Premiums Earned, Net": "9.00",
"Insurance Commissions and Fees": "-0.675",
"Other Compr. Net Income": "1.01",
"Economic Capital Ratio": "3.97"
},
"2014": {
"Separate Account, Liability": "9.47",
"Liabilities": "7.74",
"Stockholders Equity": "2.21",
"ECR before LimitedLiability": "2.72",
"Liability for Future Policy Benefit": "-0.923",
"Other Liabilities": "-5.69",
"Other Assets": "-0.613",
"Assets": "-3.92",
"Separate Account, Assets": "-9.10",
"Mortgage Loans on Real Estate, Net": "0.923",
"Debt Securities, Available-for-sale": "8.57",
"Other Expenses": "-1.08",
"Expenses": "-10.5",
"Net Income": "0.751",
"Benefits": "-9.62",
"Net Investment Income": "1.34",
"Revenues": "9.49",
"Premiums Earned, Net": "9.48",
"Insurance Commissions and Fees": "-0.752",
"Economic Capital Ratio": "2.95",
"Other Compr. Net Income": "-0.628"
},
"2015": {
"Liability for Future Policy Benefit": "-4.83",
"Liabilities": "5.25",
"Stockholders Equity": "0.907",
"Economic Capital Ratio": "0.524",
"Other Liabilities": "-5.13",
"Separate Account, Liability": "6.06",
"Other Assets": "-2.49",
"Assets": "-3.82",
"Separate Account, Assets": "-10.6",
"Mortgage Loans on Real Estate, Net": "1.52",
"Debt Securities, Available-for-sale": "5.92",
"Benefits": "-8.89",
"Expenses": "-8.24",
"Comprehensive Net Income": "-0.631",
"Other Expenses": "0.799",
"Other Revenues": "-1.23",
"Revenues": "5.49",
"Insurance Commissions and Fees": "-0.775",
"Net Investment Income": "0.793",
"Premiums Earned, Net": "5.63",
"Other Compr. Net Income": "-1.02"
}
},
"strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_life/2015/plot_over_time/0000898174_strength_weakness.svg",
"table_records": {
"2010": {
"input_variables": {
"Benefits": "5,857,137",
"Debt Securities, Available-for-sale": "14,304,597",
"Insurance Commissions and Fees": "0",
"Liability for Future Policy Benefit": "9,274,789",
"Mortgage Loans on Real Estate, Net": "885,811",
"Net Investment Income": "1,450,690",
"Other Assets": "13,891,500",
"Other Compr. Net Income": "608,206",
"Other Expenses": "1,830,191",
"Other Liabilities": "14,766,552",
"Other Net Income": "0",
"Other Revenues": "151,360",
"Premiums Earned, Net": "6,659,680",
"Separate Account, Assets": "0",
"Separate Account, Liability": "0"
},
"output_variables": {
"Liabilities": "24,041,341",
"Assets": "29,081,908",
"Expenses": "7,687,328",
"Revenues": "8,261,730",
"Stockholders Equity": "5,040,567",
"Net Income": "574,402",
"Comprehensive Net Income": "1,182,608",
"BaseVar": "34,840,256",
"ECR before LimitedLiability": "14%",
"Economic Capital Ratio": "29%"
}
},
"2011": {
"input_variables": {
"Benefits": "6,541,194",
"Debt Securities, Available-for-sale": "16,200,950",
"Insurance Commissions and Fees": "0",
"Liability for Future Policy Benefit": "9,903,503",
"Mortgage Loans on Real Estate, Net": "991,731",
"Net Investment Income": "1,245,141",
"Other Assets": "14,911,351",
"Other Compr. Net Income": "715,640",
"Other Expenses": "1,688,724",
"Other Liabilities": "16,063,424",
"Other Net Income": "0",
"Other Revenues": "248,710",
"Premiums Earned, Net": "7,335,687",
"Separate Account, Assets": "0",
"Separate Account, Liability": "0"
},
"output_variables": {
"Liabilities": "25,966,927",
"Assets": "32,104,032",
"Expenses": "8,229,918",
"Revenues": "8,829,538",
"Stockholders Equity": "6,137,105",
"Net Income": "599,620",
"Comprehensive Net Income": "1,315,260",
"BaseVar": "37,923,028",
"ECR before LimitedLiability": "15%",
"Economic Capital Ratio": "30%"
}
},
"2012": {
"input_variables": {
"Benefits": "7,045,914",
"Debt Securities, Available-for-sale": "22,291,614",
"Insurance Commissions and Fees": "0",
"Liability for Future Policy Benefit": "11,372,856",
"Mortgage Loans on Real Estate, Net": "2,300,587",
"Net Investment Income": "1,690,342",
"Other Assets": "15,768,237",
"Other Compr. Net Income": "490,749",
"Other Expenses": "2,163,104",
"Other Liabilities": "22,077,395",
"Other Net Income": "0",
"Other Revenues": "243,973",
"Premiums Earned, Net": "7,906,596",
"Separate Account, Assets": "0",
"Separate Account, Liability": "0"
},
"output_variables": {
"Liabilities": "33,450,251",
"Assets": "40,360,438",
"Expenses": "9,209,018",
"Revenues": "9,840,911",
"Stockholders Equity": "6,910,187",
"Net Income": "631,893",
"Comprehensive Net Income": "1,122,642",
"BaseVar": "46,675,684",
"ECR before LimitedLiability": "12%",
"Economic Capital Ratio": "28%"
}
},
"2013": {
"input_variables": {
"Benefits": "7,780,846",
"Debt Securities, Available-for-sale": "21,474,136",
"Insurance Commissions and Fees": "0",
"Liability for Future Policy Benefit": "11,866,776",
"Mortgage Loans on Real Estate, Net": "2,486,680",
"Net Investment Income": "1,763,855",
"Other Assets": "15,713,657",
"Other Compr. Net Income": "0",
"Other Expenses": "2,118,670",
"Other Liabilities": "21,872,170",
"Other Net Income": "0",
"Other Revenues": "300,471",
"Premiums Earned, Net": "8,254,027",
"Separate Account, Assets": "0",
"Separate Account, Liability": "0"
},
"output_variables": {
"Liabilities": "33,738,946",
"Assets": "39,674,473",
"Expenses": "9,899,516",
"Revenues": "10,318,353",
"Stockholders Equity": "5,935,527",
"Net Income": "418,837",
"Comprehensive Net Income": "418,837",
"BaseVar": "46,815,644",
"ECR before LimitedLiability": "9.2%",
"Economic Capital Ratio": "25%"
}
},
"2014": {
"input_variables": {
"Benefits": "7,857,672",
"Debt Securities, Available-for-sale": "25,480,972",
"Insurance Commissions and Fees": "0",
"Liability for Future Policy Benefit": "14,476,637",
"Mortgage Loans on Real Estate, Net": "2,712,238",
"Net Investment Income": "1,899,884",
"Other Assets": "16,486,401",
"Other Compr. Net Income": "0",
"Other Expenses": "2,362,475",
"Other Liabilities": "23,179,522",
"Other Net Income": "0",
"Other Revenues": "334,456",
"Premiums Earned, Net": "8,669,854",
"Separate Account, Assets": "0",
"Separate Account, Liability": "0"
},
"output_variables": {
"Liabilities": "37,656,159",
"Assets": "44,679,611",
"Expenses": "10,220,147",
"Revenues": "10,904,194",
"Stockholders Equity": "7,023,452",
"Net Income": "684,047",
"Comprehensive Net Income": "684,047",
"BaseVar": "51,730,056",
"ECR before LimitedLiability": "10%",
"Economic Capital Ratio": "26%"
}
},
"2015": {
"input_variables": {
"Benefits": "7,826,346",
"Debt Securities, Available-for-sale": "29,642,905",
"Insurance Commissions and Fees": "0",
"Liability for Future Policy Benefit": "19,612,251",
"Mortgage Loans on Real Estate, Net": "3,129,951",
"Net Investment Income": "1,569,745",
"Other Assets": "17,610,296",
"Other Compr. Net Income": "-948,845",
"Other Expenses": "2,089,666",
"Other Liabilities": "24,635,520",
"Other Net Income": "0",
"Other Revenues": "277,692",
"Premiums Earned, Net": "8,570,741",
"Separate Account, Assets": "0",
"Separate Account, Liability": "0"
},
"output_variables": {
"Liabilities": "44,247,771",
"Assets": "50,383,152",
"Expenses": "9,916,012",
"Revenues": "10,418,178",
"Stockholders Equity": "6,135,381",
"Net Income": "502,166",
"Comprehensive Net Income": "-446,679",
"BaseVar": "57,956,979",
"ECR before LimitedLiability": "5.5%",
"Economic Capital Ratio": "22%"
}
}
},
"top_rated": false,
"trend": -4.0,
"value": 0.2217903315585823,
"company_index": "https://www.realrate-archive.com/us_life/2015/industry_indexes/0000898174.svg",
"analysing_equity": "https://www.realrate-archive.com/us_life/2015/analytics/equity/0000898174.svg",
"analysing_profit_loss": "https://www.realrate-archive.com/us_life/2015/analytics/profit_loss/0000898174.svg"
},
{
"company_id": "0001276520",
"feature_distribution_plot": "https://www.realrate-archive.com/us_life/2015/feature_distribution/feature_distribution_0001276520.svg",
"graph_url": "https://www.realrate-archive.com/us_life/2015/graphs/IME_0001276520.svg",
"logo_url": "https://www.realrate-archive.com/us_life/logos/0001276520.png",
"logo_url_256x256": "https://www.realrate-archive.com/us_life/logos/0001276520_256x256.png",
"main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_life/2015/plot_over_time/0001276520_main_keyfigs.svg",
"name": "Genworth Financial INC",
"rank": 9,
"regression_plot": "https://www.realrate-archive.com/us_life/2015/backtesting_correlation/regression_0001276520.svg",
"report_text": "The relative strengths and weaknesses of Genworth Financial INC are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of Genworth Financial INC compared to the market average is the variable Debt Securities, Available-for-sale, increasing the Economic Capital Ratio by 5.8% points.The greatest weakness of Genworth Financial INC is the variable Separate Account, Assets, reducing the Economic Capital Ratio by 7.6% points.
The company's Economic Capital Ratio, given in the ranking table, is 22%, being 0.30% points above the market average of 22%.",
"report_url": "https://www.realrate-archive.com/us_life/2015/report/0001276520_2016_Genworth_Financial_INC.pdf",
"shrinked_graph_json": {
"2009": {
"Liability for Future Policy Benefit": "4.39",
"Liabilities": "-1.59",
"ECR before LimitedLiability": "-3.32",
"Separate Account, Liability": "3.33",
"Other Liabilities": "-9.25",
"Debt Securities, Available-for-sale": "5.97",
"Assets": "1.42",
"Other Assets": "-4.40",
"Separate Account, Assets": "-2.75",
"Mortgage Loans on Real Estate, Net": "1.13",
"Benefits": "0.678",
"Expenses": "1.64",
"Net Income": "-1.15",
"Other Expenses": "0.946",
"Net Investment Income": "-0.794",
"Revenues": "-2.60",
"Other Revenues": "0.568",
"Premiums Earned, Net": "-2.37",
"Comprehensive Net Income": "-2.63",
"Other Compr. Net Income": "-1.52",
"Economic Capital Ratio": "-2.91"
},
"2010": {
"Liability for Future Policy Benefit": "0.793",
"Liabilities": "-2.81",
"ECR before LimitedLiability": "-2.76",
"Other Liabilities": "-2.55",
"Separate Account, Liability": "-1.05",
"Other Assets": "-5.79",
"Assets": "2.28",
"Mortgage Loans on Real Estate, Net": "0.821",
"Separate Account, Assets": "0.924",
"Debt Securities, Available-for-sale": "6.93",
"Benefits": "2.82",
"Expenses": "4.29",
"Net Income": "-1.01",
"Other Expenses": "1.39",
"Net Investment Income": "-0.596",
"Revenues": "-4.84",
"Other Revenues": "-2.54",
"Premiums Earned, Net": "-1.87",
"Comprehensive Net Income": "-1.67",
"Other Compr. Net Income": "-0.676",
"Economic Capital Ratio": "-2.50"
},
"2011": {
"Separate Account, Liability": "6.90",
"Liabilities": "-0.974",
"Stockholders Equity": "0.347",
"ECR before LimitedLiability": "-0.414",
"Other Liabilities": "-5.29",
"Liability for Future Policy Benefit": "-2.54",
"Debt Securities, Available-for-sale": "7.94",
"Assets": "1.17",
"Separate Account, Assets": "-4.68",
"Mortgage Loans on Real Estate, Net": "1.12",
"Other Assets": "-1.49",
"Other Expenses": "2.90",
"Expenses": "2.09",
"Net Income": "0.133",
"Benefits": "-0.763",
"Other Revenues": "-2.84",
"Revenues": "-1.90",
"Premiums Earned, Net": "0.869",
"Net Investment Income": "0.388",
"Insurance Commissions and Fees": "-0.257",
"Economic Capital Ratio": "-0.0995",
"Other Compr. Net Income": "-0.236"
},
"2012": {
"Other Liabilities": "-3.24",
"Liabilities": "0.640",
"Stockholders Equity": "1.78",
"ECR before LimitedLiability": "1.68",
"Separate Account, Liability": "6.72",
"Liability for Future Policy Benefit": "-2.80",
"Debt Securities, Available-for-sale": "9.15",
"Assets": "1.07",
"Other Assets": "-3.49",
"Mortgage Loans on Real Estate, Net": "0.874",
"Separate Account, Assets": "-4.82",
"Other Expenses": "1.32",
"Expenses": "0.679",
"Comprehensive Net Income": "0.204",
"Benefits": "-0.625",
"Other Revenues": "-0.439",
"Revenues": "-0.552",
"Insurance Commissions and Fees": "-0.145",
"Premiums Earned, Net": "-0.474",
"Net Investment Income": "0.511",
"Economic Capital Ratio": "1.86"
},
"2013": {
"Separate Account, Liability": "5.45",
"Liabilities": "1.44",
"Stockholders Equity": "2.50",
"ECR before LimitedLiability": "0.756",
"Other Liabilities": "-2.29",
"Liability for Future Policy Benefit": "-4.05",
"Debt Securities, Available-for-sale": "6.02",
"Assets": "1.04",
"Separate Account, Assets": "-5.99",
"Other Assets": "-3.59",
"Mortgage Loans on Real Estate, Net": "1.05",
"Other Expenses": "1.32",
"Expenses": "0.579",
"Comprehensive Net Income": "-1.35",
"Benefits": "-0.723",
"Net Investment Income": "0.481",
"Revenues": "-0.387",
"Other Revenues": "-0.581",
"Insurance Commissions and Fees": "-0.627",
"Other Compr. Net Income": "-1.56",
"Economic Capital Ratio": "0.921"
},
"2014": {
"Separate Account, Liability": "8.14",
"Liabilities": "1.71",
"Stockholders Equity": "2.56",
"ECR before LimitedLiability": "1.61",
"Liability for Future Policy Benefit": "-2.61",
"Other Liabilities": "-4.36",
"Other Assets": "-1.62",
"Assets": "0.851",
"Separate Account, Assets": "-6.18",
"Mortgage Loans on Real Estate, Net": "0.894",
"Debt Securities, Available-for-sale": "8.23",
"Other Expenses": "0.601",
"Expenses": "-0.940",
"Revenues": "-0.460",
"Net Income": "-1.39",
"Benefits": "-1.52",
"Net Investment Income": "0.413",
"Insurance Commissions and Fees": "-0.680",
"Comprehensive Net Income": "-0.540",
"Other Compr. Net Income": "0.878",
"Economic Capital Ratio": "1.84"
},
"2015": {
"Liability for Future Policy Benefit": "-4.19",
"Liabilities": "0.830",
"Stockholders Equity": "2.29",
"Other Liabilities": "-5.19",
"Separate Account, Liability": "5.26",
"Other Assets": "-1.93",
"Assets": "1.41",
"Economic Capital Ratio": "0.300",
"Separate Account, Assets": "-7.61",
"Mortgage Loans on Real Estate, Net": "1.50",
"Debt Securities, Available-for-sale": "5.76",
"Benefits": "-0.844",
"Expenses": "0.995",
"Net Income": "-0.867",
"Other Expenses": "1.87",
"Other Revenues": "-0.766",
"Revenues": "-1.46",
"Insurance Commissions and Fees": "-0.698",
"Net Investment Income": "0.823",
"Premiums Earned, Net": "-0.819",
"Other Compr. Net Income": "-0.815",
"Comprehensive Net Income": "-1.67"
}
},
"strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_life/2015/plot_over_time/0001276520_strength_weakness.svg",
"table_records": {
"2009": {
"input_variables": {
"Benefits": "6,802,000",
"Debt Securities, Available-for-sale": "49,911,000",
"Insurance Commissions and Fees": "0",
"Liability for Future Policy Benefit": "29,469,000",
"Mortgage Loans on Real Estate, Net": "7,499,000",
"Net Investment Income": "1,992,000",
"Other Assets": "39,775,000",
"Other Compr. Net Income": "0",
"Other Expenses": "2,666,000",
"Other Liabilities": "54,366,000",
"Other Net Income": "0",
"Other Revenues": "1,058,000",
"Premiums Earned, Net": "6,019,000",
"Separate Account, Assets": "11,002,000",
"Separate Account, Liability": "11,002,000"
},
"output_variables": {
"Liabilities": "94,837,000",
"Assets": "108,187,000",
"Expenses": "9,468,000",
"Revenues": "9,069,000",
"Stockholders Equity": "13,350,000",
"Net Income": "-399,000",
"Comprehensive Net Income": "-399,000",
"BaseVar": "110,780,500",
"ECR before LimitedLiability": "6.2%",
"Economic Capital Ratio": "23%"
}
},
"2010": {
"input_variables": {
"Benefits": "6,835,000",
"Debt Securities, Available-for-sale": "55,515,000",
"Insurance Commissions and Fees": "0",
"Liability for Future Policy Benefit": "30,717,000",
"Mortgage Loans on Real Estate, Net": "6,718,000",
"Net Investment Income": "3,123,000",
"Other Assets": "38,496,000",
"Other Compr. Net Income": "0",
"Other Expenses": "2,969,000",
"Other Liabilities": "55,041,000",
"Other Net Income": "0",
"Other Revenues": "1,112,000",
"Premiums Earned, Net": "5,854,000",
"Separate Account, Assets": "11,666,000",
"Separate Account, Liability": "11,666,000"
},
"output_variables": {
"Liabilities": "97,424,000",
"Assets": "112,395,000",
"Expenses": "9,804,000",
"Revenues": "10,089,000",
"Stockholders Equity": "14,971,000",
"Net Income": "285,000",
"Comprehensive Net Income": "285,000",
"BaseVar": "114,856,000",
"ECR before LimitedLiability": "7.4%",
"Economic Capital Ratio": "24%"
}
},
"2011": {
"input_variables": {
"Benefits": "6,720,000",
"Debt Securities, Available-for-sale": "58,656,000",
"Insurance Commissions and Fees": "0",
"Liability for Future Policy Benefit": "31,971,000",
"Mortgage Loans on Real Estate, Net": "6,092,000",
"Net Investment Income": "3,160,000",
"Other Assets": "39,432,000",
"Other Compr. Net Income": "0",
"Other Expenses": "3,363,000",
"Other Liabilities": "54,544,000",
"Other Net Income": "0",
"Other Revenues": "1,479,000",
"Premiums Earned, Net": "5,705,000",
"Separate Account, Assets": "10,122,000",
"Separate Account, Liability": "10,122,000"
},
"output_variables": {
"Liabilities": "96,637,000",
"Assets": "114,302,000",
"Expenses": "10,083,000",
"Revenues": "10,344,000",
"Stockholders Equity": "17,665,000",
"Net Income": "261,000",
"Comprehensive Net Income": "261,000",
"BaseVar": "115,683,000",
"ECR before LimitedLiability": "8.6%",
"Economic Capital Ratio": "25%"
}
},
"2012": {
"input_variables": {
"Benefits": "6,153,000",
"Debt Securities, Available-for-sale": "62,679,000",
"Insurance Commissions and Fees": "0",
"Liability for Future Policy Benefit": "33,505,000",
"Mortgage Loans on Real Estate, Net": "5,872,000",
"Net Investment Income": "3,366,000",
"Other Assets": "34,824,000",
"Other Compr. Net Income": "955,000",
"Other Expenses": "3,347,000",
"Other Liabilities": "52,045,000",
"Other Net Income": "0",
"Other Revenues": "1,619,000",
"Premiums Earned, Net": "5,038,000",
"Separate Account, Assets": "9,937,000",
"Separate Account, Liability": "9,937,000"
},
"output_variables": {
"Liabilities": "95,487,000",
"Assets": "113,312,000",
"Expenses": "9,500,000",
"Revenues": "10,023,000",
"Stockholders Equity": "17,825,000",
"Net Income": "523,000",
"Comprehensive Net Income": "1,478,000",
"BaseVar": "114,638,500",
"ECR before LimitedLiability": "10.0%",
"Economic Capital Ratio": "26%"
}
},
"2013": {
"input_variables": {
"Benefits": "5,633,000",
"Debt Securities, Available-for-sale": "58,970,000",
"Insurance Commissions and Fees": "0",
"Liability for Future Policy Benefit": "33,705,000",
"Mortgage Loans on Real Estate, Net": "5,899,000",
"Net Investment Income": "3,234,000",
"Other Assets": "33,038,000",
"Other Compr. Net Income": "-2,814,000",
"Other Expenses": "3,044,000",
"Other Liabilities": "48,582,000",
"Other Net Income": "-12,000",
"Other Revenues": "1,021,000",
"Premiums Earned, Net": "5,148,000",
"Separate Account, Assets": "10,138,000",
"Separate Account, Liability": "10,138,000"
},
"output_variables": {
"Liabilities": "92,425,000",
"Assets": "108,045,000",
"Expenses": "8,677,000",
"Revenues": "9,403,000",
"Stockholders Equity": "15,620,000",
"Net Income": "714,000",
"Comprehensive Net Income": "-2,100,000",
"BaseVar": "110,688,000",
"ECR before LimitedLiability": "5.7%",
"Economic Capital Ratio": "22%"
}
},
"2014": {
"input_variables": {
"Benefits": "7,357,000",
"Debt Securities, Available-for-sale": "62,729,000",
"Insurance Commissions and Fees": "0",
"Liability for Future Policy Benefit": "35,915,000",
"Mortgage Loans on Real Estate, Net": "6,100,000",
"Net Investment Income": "3,222,000",
"Other Assets": "33,321,000",
"Other Compr. Net Income": "1,765,000",
"Other Expenses": "3,256,000",
"Other Liabilities": "49,438,000",
"Other Net Income": "0",
"Other Revenues": "912,000",
"Premiums Earned, Net": "5,431,000",
"Separate Account, Assets": "9,208,000",
"Separate Account, Liability": "9,208,000"
},
"output_variables": {
"Liabilities": "94,561,000",
"Assets": "111,358,000",
"Expenses": "10,613,000",
"Revenues": "9,565,000",
"Stockholders Equity": "16,797,000",
"Net Income": "-1,048,000",
"Comprehensive Net Income": "717,000",
"BaseVar": "113,931,000",
"ECR before LimitedLiability": "8.9%",
"Economic Capital Ratio": "25%"
}
},
"2015": {
"input_variables": {
"Benefits": "5,869,000",
"Debt Securities, Available-for-sale": "58,507,000",
"Insurance Commissions and Fees": "0",
"Liability for Future Policy Benefit": "36,475,000",
"Mortgage Loans on Real Estate, Net": "6,170,000",
"Net Investment Income": "3,063,000",
"Other Assets": "33,871,000",
"Other Compr. Net Income": "-1,662,000",
"Other Expenses": "2,685,000",
"Other Liabilities": "47,436,000",
"Other Net Income": "-407,000",
"Other Revenues": "906,000",
"Premiums Earned, Net": "4,579,000",
"Separate Account, Assets": "7,883,000",
"Separate Account, Liability": "7,883,000"
},
"output_variables": {
"Liabilities": "91,794,000",
"Assets": "106,431,000",
"Expenses": "8,554,000",
"Revenues": "8,548,000",
"Stockholders Equity": "14,637,000",
"Net Income": "-413,000",
"Comprehensive Net Income": "-2,075,000",
"BaseVar": "108,698,000",
"ECR before LimitedLiability": "5.3%",
"Economic Capital Ratio": "22%"
}
}
},
"top_rated": false,
"trend": -2.0,
"value": 0.2195499187695457,
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"analysing_equity": "https://www.realrate-archive.com/us_life/2015/analytics/equity/0001276520.svg",
"analysing_profit_loss": "https://www.realrate-archive.com/us_life/2015/analytics/profit_loss/0001276520.svg"
},
{
"company_id": "0000937834",
"feature_distribution_plot": "https://www.realrate-archive.com/us_life/2015/feature_distribution/feature_distribution_0000937834.svg",
"graph_url": "https://www.realrate-archive.com/us_life/2015/graphs/IME_0000937834.svg",
"logo_url": "https://www.realrate-archive.com/us_life/logos/0000937834.png",
"logo_url_256x256": "https://www.realrate-archive.com/us_life/logos/0000937834_256x256.png",
"main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_life/2015/plot_over_time/0000937834_main_keyfigs.svg",
"name": "Metropolitan LIFE Insurance CO",
"rank": 10,
"regression_plot": "https://www.realrate-archive.com/us_life/2015/backtesting_correlation/regression_0000937834.svg",
"report_text": "The relative strengths and weaknesses of Metropolitan LIFE Insurance CO are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of Metropolitan LIFE Insurance CO compared to the market average is the variable Debt Securities, Available-for-sale, increasing the Economic Capital Ratio by 3.6% points.The greatest weakness of Metropolitan LIFE Insurance CO is the variable Other Assets, reducing the Economic Capital Ratio by 3.0% points.
The company's Economic Capital Ratio, given in the ranking table, is 20%, being 1.2% points below the market average of 22%.",
"report_url": "https://www.realrate-archive.com/us_life/2015/report/0000937834_2016_Metropolitan_LIFE_Insurance_CO.pdf",
"shrinked_graph_json": {
"2013": {
"Separate Account, Liability": "-2.93",
"Liabilities": "-1.60",
"Stockholders Equity": "-1.62",
"Other Liabilities": "2.37",
"Liability for Future Policy Benefit": "-1.03",
"Debt Securities, Available-for-sale": "3.22",
"Assets": "-0.0949",
"Separate Account, Assets": "2.92",
"Other Assets": "-4.96",
"Mortgage Loans on Real Estate, Net": "-1.49",
"Other Expenses": "2.44",
"Expenses": "1.16",
"Comprehensive Net Income": "0.588",
"Benefits": "-1.22",
"Revenues": "-1.13",
"Other Revenues": "-1.15",
"Premiums Earned, Net": "0.212",
"Insurance Commissions and Fees": "-0.121",
"ECR before LimitedLiability": "-1.44",
"Other Compr. Net Income": "0.547",
"Economic Capital Ratio": "-1.28"
},
"2014": {
"Separate Account, Liability": "-1.94",
"Liabilities": "-1.18",
"Stockholders Equity": "-1.29",
"Liability for Future Policy Benefit": "0.989",
"Other Liabilities": "-0.232",
"Other Expenses": "1.66",
"Expenses": "1.03",
"Net Income": "0.201",
"Benefits": "-0.611",
"Net Investment Income": "0.331",
"Revenues": "-0.807",
"Other Revenues": "-0.745",
"Premiums Earned, Net": "-0.173",
"Insurance Commissions and Fees": "-0.219",
"Other Assets": "-2.87",
"ECR before LimitedLiability": "-1.59",
"Mortgage Loans on Real Estate, Net": "-1.48",
"Separate Account, Assets": "1.82",
"Debt Securities, Available-for-sale": "2.85",
"Comprehensive Net Income": "0.186",
"Economic Capital Ratio": "-1.36"
},
"2015": {
"Liability for Future Policy Benefit": "0.172",
"Liabilities": "-1.31",
"Separate Account, Assets": "0.931",
"Stockholders Equity": "-1.17",
"Other Liabilities": "-0.498",
"Separate Account, Liability": "-0.982",
"Benefits": "-1.12",
"Expenses": "1.28",
"Comprehensive Net Income": "0.284",
"Other Expenses": "2.45",
"Other Revenues": "-1.29",
"Revenues": "-1.16",
"Insurance Commissions and Fees": "-0.166",
"Net Investment Income": "0.713",
"Premiums Earned, Net": "-0.409",
"ECR before LimitedLiability": "-1.38",
"Mortgage Loans on Real Estate, Net": "-1.22",
"Other Assets": "-3.05",
"Debt Securities, Available-for-sale": "3.57",
"Other Compr. Net Income": "0.204",
"Economic Capital Ratio": "-1.16"
}
},
"strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_life/2015/plot_over_time/0000937834_strength_weakness.svg",
"table_records": {
"2013": {
"input_variables": {
"Benefits": "25,285,000",
"Debt Securities, Available-for-sale": "175,638,000",
"Insurance Commissions and Fees": "2,363,000",
"Liability for Future Policy Benefit": "111,963,000",
"Mortgage Loans on Real Estate, Net": "0",
"Net Investment Income": "10,763,000",
"Other Assets": "122,349,000",
"Other Compr. Net Income": "-1,843,000",
"Other Expenses": "7,874,000",
"Other Liabilities": "158,970,000",
"Other Net Income": "1,000",
"Other Revenues": "1,699,000",
"Premiums Earned, Net": "20,475,000",
"Separate Account, Assets": "134,796,000",
"Separate Account, Liability": "134,796,000"
},
"output_variables": {
"Liabilities": "405,729,000",
"Assets": "432,783,000",
"Expenses": "33,159,000",
"Revenues": "35,300,000",
"Stockholders Equity": "27,054,000",
"Net Income": "2,142,000",
"Comprehensive Net Income": "299,000",
"BaseVar": "454,407,500",
"ECR before LimitedLiability": "3.3%",
"Economic Capital Ratio": "20%"
}
},
"2014": {
"input_variables": {
"Benefits": "26,029,000",
"Debt Securities, Available-for-sale": "190,976,000",
"Insurance Commissions and Fees": "2,466,000",
"Liability for Future Policy Benefit": "117,402,000",
"Mortgage Loans on Real Estate, Net": "0",
"Net Investment Income": "13,073,000",
"Other Assets": "127,907,000",
"Other Compr. Net Income": "2,881,000",
"Other Expenses": "8,843,000",
"Other Liabilities": "169,132,000",
"Other Net Income": "-3,000",
"Other Revenues": "1,808,000",
"Premiums Earned, Net": "21,384,000",
"Separate Account, Assets": "139,335,000",
"Separate Account, Liability": "139,335,000"
},
"output_variables": {
"Liabilities": "425,869,000",
"Assets": "458,218,000",
"Expenses": "34,872,000",
"Revenues": "38,731,000",
"Stockholders Equity": "32,349,000",
"Net Income": "3,856,000",
"Comprehensive Net Income": "6,737,000",
"BaseVar": "480,287,000",
"ECR before LimitedLiability": "5.2%",
"Economic Capital Ratio": "22%"
}
},
"2015": {
"input_variables": {
"Benefits": "26,710,000",
"Debt Securities, Available-for-sale": "177,635,000",
"Insurance Commissions and Fees": "2,584,000",
"Liability for Future Policy Benefit": "118,914,000",
"Mortgage Loans on Real Estate, Net": "0",
"Net Investment Income": "12,717,000",
"Other Assets": "135,946,000",
"Other Compr. Net Income": "-2,349,000",
"Other Expenses": "9,304,000",
"Other Liabilities": "163,423,000",
"Other Net Income": "0",
"Other Revenues": "1,536,000",
"Premiums Earned, Net": "21,934,000",
"Separate Account, Assets": "135,939,000",
"Separate Account, Liability": "135,939,000"
},
"output_variables": {
"Liabilities": "418,276,000",
"Assets": "449,520,000",
"Expenses": "36,014,000",
"Revenues": "38,771,000",
"Stockholders Equity": "31,244,000",
"Net Income": "2,757,000",
"Comprehensive Net Income": "408,000",
"BaseVar": "472,465,000",
"ECR before LimitedLiability": "3.7%",
"Economic Capital Ratio": "20%"
}
}
},
"top_rated": false,
"trend": 5.0,
"value": 0.20492248477559905,
"company_index": "https://www.realrate-archive.com/us_life/2015/industry_indexes/0000937834.svg",
"analysing_equity": "https://www.realrate-archive.com/us_life/2015/analytics/equity/0000937834.svg",
"analysing_profit_loss": "https://www.realrate-archive.com/us_life/2015/analytics/profit_loss/0000937834.svg"
},
{
"company_id": "0001137774",
"feature_distribution_plot": "https://www.realrate-archive.com/us_life/2015/feature_distribution/feature_distribution_0001137774.svg",
"graph_url": "https://www.realrate-archive.com/us_life/2015/graphs/IME_0001137774.svg",
"logo_url": "https://www.realrate-archive.com/us_life/logos/0001137774.svg",
"logo_url_256x256": "https://www.realrate-archive.com/us_life/logos/0001137774_256x256.png",
"main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_life/2015/plot_over_time/0001137774_main_keyfigs.svg",
"name": "Prudential Financial INC",
"rank": 11,
"regression_plot": "https://www.realrate-archive.com/us_life/2015/backtesting_correlation/regression_0001137774.svg",
"report_text": "The relative strengths and weaknesses of Prudential Financial INC are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of Prudential Financial INC compared to the market average is the variable Separate Account, Assets, increasing the Economic Capital Ratio by 3.0% points.The greatest weakness of Prudential Financial INC is the variable Other Assets, reducing the Economic Capital Ratio by 5.9% points.
The company's Economic Capital Ratio, given in the ranking table, is 20%, being 1.7% points below the market average of 22%.",
"report_url": "https://www.realrate-archive.com/us_life/2015/report/0001137774_2016_Prudential_Financial_INC.pdf",
"shrinked_graph_json": {
"2009": {
"Liability for Future Policy Benefit": "3.34",
"Liabilities": "-4.33",
"Stockholders Equity": "-3.36",
"Separate Account, Liability": "-9.49",
"Debt Securities, Available-for-sale": "3.33",
"Assets": "0.694",
"Other Assets": "-10.5",
"Separate Account, Assets": "3.78",
"Mortgage Loans on Real Estate, Net": "0.952",
"Benefits": "2.75",
"Expenses": "3.31",
"Net Income": "-0.227",
"Other Expenses": "1.33",
"Net Investment Income": "-0.342",
"Revenues": "-4.22",
"Other Revenues": "0.578",
"Premiums Earned, Net": "-4.43",
"ECR before LimitedLiability": "-5.84",
"Comprehensive Net Income": "-1.79",
"Other Compr. Net Income": "-1.57",
"Economic Capital Ratio": "-5.43"
},
"2010": {
"Liability for Future Policy Benefit": "2.31",
"Liabilities": "-5.59",
"Stockholders Equity": "-3.68",
"Other Liabilities": "4.29",
"Separate Account, Liability": "-14.8",
"Other Assets": "-11.2",
"Assets": "1.53",
"Mortgage Loans on Real Estate, Net": "0.792",
"Separate Account, Assets": "5.77",
"Debt Securities, Available-for-sale": "2.02",
"Benefits": "4.23",
"Expenses": "4.29",
"Net Income": "-0.744",
"Other Expenses": "1.76",
"Net Investment Income": "-1.21",
"Revenues": "-6.72",
"Other Revenues": "-2.17",
"Premiums Earned, Net": "-3.66",
"ECR before LimitedLiability": "-5.43",
"Comprehensive Net Income": "-0.853",
"Economic Capital Ratio": "-5.18"
},
"2011": {
"Separate Account, Liability": "-5.67",
"Liabilities": "-4.18",
"Stockholders Equity": "-4.16",
"Other Liabilities": "3.30",
"Liability for Future Policy Benefit": "-1.80",
"Debt Securities, Available-for-sale": "2.85",
"Assets": "-0.317",
"Separate Account, Assets": "4.05",
"Mortgage Loans on Real Estate, Net": "-1.24",
"Other Assets": "-6.44",
"Other Expenses": "3.38",
"Expenses": "3.99",
"Net Income": "0.491",
"Benefits": "0.685",
"Other Revenues": "-2.59",
"Revenues": "-3.40",
"Premiums Earned, Net": "-0.281",
"Net Investment Income": "-0.307",
"ECR before LimitedLiability": "-4.36",
"Comprehensive Net Income": "0.620",
"Economic Capital Ratio": "-4.04"
},
"2012": {
"Other Liabilities": "3.62",
"Liabilities": "-0.914",
"Stockholders Equity": "-3.36",
"Separate Account, Liability": "-5.68",
"Liability for Future Policy Benefit": "-2.30",
"Debt Securities, Available-for-sale": "3.53",
"Assets": "-2.38",
"Other Assets": "-8.58",
"Mortgage Loans on Real Estate, Net": "-1.48",
"Separate Account, Assets": "3.57",
"Other Expenses": "2.63",
"Expenses": "-1.88",
"Net Income": "-0.268",
"Benefits": "-4.27",
"Other Revenues": "-1.20",
"Revenues": "1.67",
"Premiums Earned, Net": "3.51",
"Net Investment Income": "-0.641",
"ECR before LimitedLiability": "-3.86",
"Comprehensive Net Income": "-0.380",
"Economic Capital Ratio": "-3.67"
},
"2013": {
"Separate Account, Liability": "-7.05",
"Liabilities": "-2.98",
"Stockholders Equity": "-2.21",
"Other Liabilities": "2.32",
"Liability for Future Policy Benefit": "-2.43",
"Debt Securities, Available-for-sale": "2.23",
"Assets": "0.656",
"Separate Account, Assets": "2.43",
"Other Assets": "-7.66",
"Mortgage Loans on Real Estate, Net": "-1.51",
"Other Expenses": "2.16",
"Expenses": "2.17",
"Net Income": "-0.511",
"Benefits": "0.414",
"Net Investment Income": "-0.496",
"Revenues": "-3.34",
"Other Revenues": "-2.15",
"Premiums Earned, Net": "-0.835",
"ECR before LimitedLiability": "-2.48",
"Economic Capital Ratio": "-2.31",
"Other Compr. Net Income": "0.741"
},
"2014": {
"Separate Account, Liability": "-6.03",
"Liabilities": "-2.00",
"Other Assets": "-5.51",
"Stockholders Equity": "-2.01",
"Liability for Future Policy Benefit": "-0.402",
"Other Liabilities": "3.87",
"Other Expenses": "1.42",
"Expenses": "1.75",
"Net Income": "-0.416",
"Benefits": "0.326",
"Net Investment Income": "-0.481",
"Revenues": "-2.09",
"Other Revenues": "-0.712",
"Premiums Earned, Net": "-0.965",
"Comprehensive Net Income": "-0.123",
"ECR before LimitedLiability": "-2.66",
"Mortgage Loans on Real Estate, Net": "-1.52",
"Separate Account, Assets": "3.92",
"Debt Securities, Available-for-sale": "2.25",
"Other Compr. Net Income": "0.296",
"Economic Capital Ratio": "-2.43"
},
"2015": {
"Liability for Future Policy Benefit": "-1.47",
"Liabilities": "-2.21",
"Stockholders Equity": "-1.82",
"Other Liabilities": "3.02",
"Separate Account, Liability": "-4.76",
"Other Assets": "-5.89",
"Assets": "0.278",
"Separate Account, Assets": "3.05",
"Mortgage Loans on Real Estate, Net": "-1.23",
"Debt Securities, Available-for-sale": "3.02",
"Benefits": "0.239",
"Expenses": "2.47",
"Revenues": "-2.14",
"Net Income": "0.219",
"Other Expenses": "2.22",
"Other Revenues": "-0.635",
"Premiums Earned, Net": "-1.45",
"ECR before LimitedLiability": "-1.94",
"Comprehensive Net Income": "0.437",
"Other Compr. Net Income": "0.217",
"Economic Capital Ratio": "-1.72"
}
},
"strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_life/2015/plot_over_time/0001137774_strength_weakness.svg",
"table_records": {
"2009": {
"input_variables": {
"Benefits": "20,830,000",
"Debt Securities, Available-for-sale": "182,120,000",
"Insurance Commissions and Fees": "0",
"Liability for Future Policy Benefit": "125,707,000",
"Mortgage Loans on Real Estate, Net": "31,384,000",
"Net Investment Income": "11,421,000",
"Other Assets": "92,625,000",
"Other Compr. Net Income": "0",
"Other Expenses": "10,310,000",
"Other Liabilities": "154,693,000",
"Other Net Income": "1,542,000",
"Other Revenues": "4,722,000",
"Premiums Earned, Net": "16,545,000",
"Separate Account, Assets": "174,074,000",
"Separate Account, Liability": "174,074,000"
},
"output_variables": {
"Liabilities": "454,474,000",
"Assets": "480,203,000",
"Expenses": "31,140,000",
"Revenues": "32,688,000",
"Stockholders Equity": "25,729,000",
"Net Income": "3,090,000",
"Comprehensive Net Income": "3,090,000",
"BaseVar": "500,023,500",
"ECR before LimitedLiability": "3.4%",
"Economic Capital Ratio": "20%"
}
},
"2010": {
"input_variables": {
"Benefits": "22,494,000",
"Debt Securities, Available-for-sale": "202,724,000",
"Insurance Commissions and Fees": "0",
"Liability for Future Policy Benefit": "133,874,000",
"Mortgage Loans on Real Estate, Net": "31,831,000",
"Net Investment Income": "11,875,000",
"Other Assets": "97,523,000",
"Other Compr. Net Income": "3,410,000",
"Other Expenses": "12,808,000",
"Other Liabilities": "165,276,000",
"Other Net Income": "94,000",
"Other Revenues": "8,279,000",
"Premiums Earned, Net": "18,260,000",
"Separate Account, Assets": "207,776,000",
"Separate Account, Liability": "207,776,000"
},
"output_variables": {
"Liabilities": "506,926,000",
"Assets": "539,854,000",
"Expenses": "35,302,000",
"Revenues": "38,414,000",
"Stockholders Equity": "32,928,000",
"Net Income": "3,206,000",
"Comprehensive Net Income": "6,616,000",
"BaseVar": "562,000,000",
"ECR before LimitedLiability": "4.4%",
"Economic Capital Ratio": "21%"
}
},
"2011": {
"input_variables": {
"Benefits": "28,098,000",
"Debt Securities, Available-for-sale": "262,183,000",
"Insurance Commissions and Fees": "0",
"Liability for Future Policy Benefit": "170,459,000",
"Mortgage Loans on Real Estate, Net": "0",
"Net Investment Income": "13,124,000",
"Other Assets": "143,958,000",
"Other Compr. Net Income": "2,513,000",
"Other Expenses": "17,429,000",
"Other Liabilities": "197,871,000",
"Other Net Income": "220,000",
"Other Revenues": "11,583,000",
"Premiums Earned, Net": "24,338,000",
"Separate Account, Assets": "218,380,000",
"Separate Account, Liability": "218,380,000"
},
"output_variables": {
"Liabilities": "586,710,000",
"Assets": "624,521,000",
"Expenses": "45,527,000",
"Revenues": "49,045,000",
"Stockholders Equity": "37,811,000",
"Net Income": "3,738,000",
"Comprehensive Net Income": "6,251,000",
"BaseVar": "654,268,000",
"ECR before LimitedLiability": "4.2%",
"Economic Capital Ratio": "21%"
}
},
"2012": {
"input_variables": {
"Benefits": "69,365,000",
"Debt Securities, Available-for-sale": "309,613,000",
"Insurance Commissions and Fees": "0",
"Liability for Future Policy Benefit": "216,050,000",
"Mortgage Loans on Real Estate, Net": "0",
"Net Investment Income": "13,661,000",
"Other Assets": "146,431,000",
"Other Compr. Net Income": "4,891,000",
"Other Expenses": "14,978,000",
"Other Liabilities": "200,703,000",
"Other Net Income": "75,000",
"Other Revenues": "5,800,000",
"Premiums Earned, Net": "65,354,000",
"Separate Account, Assets": "253,254,000",
"Separate Account, Liability": "253,254,000"
},
"output_variables": {
"Liabilities": "670,007,000",
"Assets": "709,298,000",
"Expenses": "84,343,000",
"Revenues": "84,815,000",
"Stockholders Equity": "39,291,000",
"Net Income": "547,000",
"Comprehensive Net Income": "5,438,000",
"BaseVar": "776,714,500",
"ECR before LimitedLiability": "3.6%",
"Economic Capital Ratio": "20%"
}
},
"2013": {
"input_variables": {
"Benefits": "29,844,000",
"Debt Securities, Available-for-sale": "296,776,000",
"Insurance Commissions and Fees": "5,415,000",
"Liability for Future Policy Benefit": "206,859,000",
"Mortgage Loans on Real Estate, Net": "0",
"Net Investment Income": "14,729,000",
"Other Assets": "149,945,000",
"Other Compr. Net Income": "-1,640,000",
"Other Expenses": "12,243,000",
"Other Liabilities": "203,981,000",
"Other Net Income": "66,000",
"Other Revenues": "-4,920,000",
"Premiums Earned, Net": "26,237,000",
"Separate Account, Assets": "285,060,000",
"Separate Account, Liability": "285,060,000"
},
"output_variables": {
"Liabilities": "695,900,000",
"Assets": "731,781,000",
"Expenses": "42,087,000",
"Revenues": "41,461,000",
"Stockholders Equity": "35,881,000",
"Net Income": "-560,000",
"Comprehensive Net Income": "-2,200,000",
"BaseVar": "756,467,500",
"ECR before LimitedLiability": "2.2%",
"Economic Capital Ratio": "19%"
}
},
"2014": {
"input_variables": {
"Benefits": "35,850,000",
"Debt Securities, Available-for-sale": "308,951,000",
"Insurance Commissions and Fees": "6,179,000",
"Liability for Future Policy Benefit": "217,766,000",
"Mortgage Loans on Real Estate, Net": "0",
"Net Investment Income": "15,256,000",
"Other Assets": "161,269,000",
"Other Compr. Net Income": "7,312,000",
"Other Expenses": "16,845,000",
"Other Liabilities": "210,105,000",
"Other Net Income": "28,000",
"Other Revenues": "3,377,000",
"Premiums Earned, Net": "29,293,000",
"Separate Account, Assets": "296,435,000",
"Separate Account, Liability": "296,435,000"
},
"output_variables": {
"Liabilities": "724,306,000",
"Assets": "766,655,000",
"Expenses": "52,695,000",
"Revenues": "54,105,000",
"Stockholders Equity": "42,349,000",
"Net Income": "1,438,000",
"Comprehensive Net Income": "8,750,000",
"BaseVar": "802,550,500",
"ECR before LimitedLiability": "4.0%",
"Economic Capital Ratio": "21%"
}
},
"2015": {
"input_variables": {
"Benefits": "34,106,000",
"Debt Securities, Available-for-sale": "299,597,000",
"Insurance Commissions and Fees": "5,972,000",
"Liability for Future Policy Benefit": "224,384,000",
"Mortgage Loans on Real Estate, Net": "0",
"Net Investment Income": "14,829,000",
"Other Assets": "172,221,000",
"Other Compr. Net Income": "-3,835,000",
"Other Expenses": "17,316,000",
"Other Liabilities": "205,511,000",
"Other Net Income": "15,000",
"Other Revenues": "7,797,000",
"Premiums Earned, Net": "28,521,000",
"Separate Account, Assets": "285,570,000",
"Separate Account, Liability": "285,570,000"
},
"output_variables": {
"Liabilities": "715,465,000",
"Assets": "757,388,000",
"Expenses": "51,422,000",
"Revenues": "57,119,000",
"Stockholders Equity": "41,923,000",
"Net Income": "5,712,000",
"Comprehensive Net Income": "1,877,000",
"BaseVar": "792,622,000",
"ECR before LimitedLiability": "3.1%",
"Economic Capital Ratio": "20%"
}
}
},
"top_rated": false,
"trend": 6.0,
"value": 0.19936750793749258,
"company_index": "https://www.realrate-archive.com/us_life/2015/industry_indexes/0001137774.svg",
"analysing_equity": "https://www.realrate-archive.com/us_life/2015/analytics/equity/0001137774.svg",
"analysing_profit_loss": "https://www.realrate-archive.com/us_life/2015/analytics/profit_loss/0001137774.svg"
},
{
"company_id": "0000733076",
"feature_distribution_plot": "https://www.realrate-archive.com/us_life/2015/feature_distribution/feature_distribution_0000733076.svg",
"graph_url": "https://www.realrate-archive.com/us_life/2015/graphs/IME_0000733076.svg",
"logo_url": "https://www.realrate-archive.com/us_life/logos/0000733076.svg",
"logo_url_256x256": "https://www.realrate-archive.com/us_life/logos/0000733076_256x256.png",
"main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_life/2015/plot_over_time/0000733076_main_keyfigs.svg",
"name": "Brighthouse Life Insurance Co",
"rank": 12,
"regression_plot": "https://www.realrate-archive.com/us_life/2015/backtesting_correlation/regression_0000733076.svg",
"report_text": "The relative strengths and weaknesses of Brighthouse Life Insurance Co are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of Brighthouse Life Insurance Co compared to the market average is the variable Separate Account, Assets, increasing the Economic Capital Ratio by 3.8% points.The greatest weakness of Brighthouse Life Insurance Co is the variable Separate Account, Liability, reducing the Economic Capital Ratio by 12% points.
The company's Economic Capital Ratio, given in the ranking table, is 20%, being 1.8% points below the market average of 22%.",
"report_url": "https://www.realrate-archive.com/us_life/2015/report/0000733076_2016_Brighthouse_Life_Insurance_Co.pdf",
"shrinked_graph_json": {
"2011": {
"Separate Account, Liability": "-9.62",
"Liabilities": "-5.52",
"Stockholders Equity": "-4.05",
"Liability for Future Policy Benefit": "3.66",
"Debt Securities, Available-for-sale": "-3.03",
"Assets": "1.08",
"Separate Account, Assets": "4.20",
"Mortgage Loans on Real Estate, Net": "1.42",
"Other Assets": "-5.74",
"Other Expenses": "3.66",
"Expenses": "3.76",
"Net Income": "0.616",
"Benefits": "2.78",
"Other Revenues": "-3.87",
"Revenues": "-5.62",
"Premiums Earned, Net": "-2.79",
"Insurance Commissions and Fees": "0.827",
"ECR before LimitedLiability": "-4.69",
"Comprehensive Net Income": "0.364",
"Other Compr. Net Income": "-0.248",
"Economic Capital Ratio": "-4.38"
},
"2012": {
"Other Liabilities": "3.33",
"Liabilities": "-4.19",
"Stockholders Equity": "-2.79",
"Separate Account, Liability": "-11.9",
"Liability for Future Policy Benefit": "3.88",
"Debt Securities, Available-for-sale": "-1.77",
"Assets": "1.15",
"Other Assets": "-7.47",
"Mortgage Loans on Real Estate, Net": "0.883",
"Separate Account, Assets": "4.72",
"Other Expenses": "2.55",
"Expenses": "3.90",
"Net Income": "0.316",
"Benefits": "2.76",
"Other Revenues": "-1.55",
"Revenues": "-4.60",
"Insurance Commissions and Fees": "1.02",
"Premiums Earned, Net": "-3.93",
"ECR before LimitedLiability": "-3.49",
"Economic Capital Ratio": "-3.31",
"Other Compr. Net Income": "-0.386"
},
"2013": {
"Separate Account, Liability": "-13.9",
"Liabilities": "-4.23",
"Stockholders Equity": "-2.21",
"Other Liabilities": "2.05",
"Liability for Future Policy Benefit": "1.96",
"Debt Securities, Available-for-sale": "-2.71",
"Assets": "1.93",
"Separate Account, Assets": "3.74",
"Other Assets": "-6.22",
"Mortgage Loans on Real Estate, Net": "-1.48",
"Other Expenses": "1.94",
"Expenses": "2.09",
"ECR before LimitedLiability": "-2.71",
"Benefits": "1.94",
"Net Investment Income": "-1.41",
"Revenues": "-5.64",
"Other Revenues": "-1.18",
"Premiums Earned, Net": "-3.80",
"Insurance Commissions and Fees": "0.593",
"Economic Capital Ratio": "-2.55",
"Other Compr. Net Income": "0.142"
},
"2014": {
"Separate Account, Liability": "-13.6",
"Liabilities": "-3.55",
"Stockholders Equity": "-1.70",
"Liability for Future Policy Benefit": "3.79",
"Other Liabilities": "3.73",
"Other Assets": "-4.61",
"Assets": "1.69",
"Separate Account, Assets": "5.02",
"Mortgage Loans on Real Estate, Net": "-1.47",
"Debt Securities, Available-for-sale": "-3.94",
"Other Expenses": "2.12",
"Expenses": "3.75",
"Net Income": "-0.437",
"Benefits": "2.92",
"Net Investment Income": "-1.34",
"Revenues": "-5.06",
"Other Revenues": "-0.840",
"Premiums Earned, Net": "-3.76",
"Insurance Commissions and Fees": "0.779",
"ECR before LimitedLiability": "-2.78",
"Economic Capital Ratio": "-2.55"
},
"2015": {
"Liability for Future Policy Benefit": "2.94",
"Liabilities": "-3.85",
"Stockholders Equity": "-1.58",
"Other Liabilities": "2.31",
"Separate Account, Liability": "-11.6",
"Other Assets": "-5.07",
"Assets": "2.17",
"Separate Account, Assets": "3.83",
"Mortgage Loans on Real Estate, Net": "-1.19",
"Debt Securities, Available-for-sale": "-1.88",
"Benefits": "2.72",
"Expenses": "2.97",
"Comprehensive Net Income": "0.209",
"Other Expenses": "2.88",
"Other Revenues": "-1.32",
"Revenues": "-5.42",
"Insurance Commissions and Fees": "0.722",
"Net Investment Income": "-0.873",
"Premiums Earned, Net": "-4.07",
"ECR before LimitedLiability": "-2.07",
"Economic Capital Ratio": "-1.85"
}
},
"strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_life/2015/plot_over_time/0000733076_strength_weakness.svg",
"table_records": {
"2011": {
"input_variables": {
"Benefits": "3,849,000",
"Debt Securities, Available-for-sale": "48,033,000",
"Insurance Commissions and Fees": "1,956,000",
"Liability for Future Policy Benefit": "25,483,000",
"Mortgage Loans on Real Estate, Net": "9,800,000",
"Net Investment Income": "4,237,000",
"Other Assets": "41,379,000",
"Other Compr. Net Income": "0",
"Other Expenses": "3,440,000",
"Other Liabilities": "63,556,000",
"Other Net Income": "0",
"Other Revenues": "508,000",
"Premiums Earned, Net": "1,828,000",
"Separate Account, Assets": "72,559,000",
"Separate Account, Liability": "72,559,000"
},
"output_variables": {
"Liabilities": "161,598,000",
"Assets": "171,771,000",
"Expenses": "7,289,000",
"Revenues": "8,529,000",
"Stockholders Equity": "10,173,000",
"Net Income": "1,240,000",
"Comprehensive Net Income": "1,240,000",
"BaseVar": "174,593,500",
"ECR before LimitedLiability": "3.8%",
"Economic Capital Ratio": "21%"
}
},
"2012": {
"input_variables": {
"Benefits": "3,542,000",
"Debt Securities, Available-for-sale": "51,285,000",
"Insurance Commissions and Fees": "2,261,000",
"Liability for Future Policy Benefit": "27,585,000",
"Mortgage Loans on Real Estate, Net": "9,157,000",
"Net Investment Income": "4,084,000",
"Other Assets": "38,240,000",
"Other Compr. Net Income": "629,000",
"Other Expenses": "3,360,000",
"Other Liabilities": "60,348,000",
"Other Net Income": "8,000",
"Other Revenues": "511,000",
"Premiums Earned, Net": "1,261,000",
"Separate Account, Assets": "86,114,000",
"Separate Account, Liability": "86,114,000"
},
"output_variables": {
"Liabilities": "174,047,000",
"Assets": "184,796,000",
"Expenses": "6,902,000",
"Revenues": "8,117,000",
"Stockholders Equity": "10,749,000",
"Net Income": "1,223,000",
"Comprehensive Net Income": "1,852,000",
"BaseVar": "187,249,500",
"ECR before LimitedLiability": "4.0%",
"Economic Capital Ratio": "21%"
}
},
"2013": {
"input_variables": {
"Benefits": "2,744,000",
"Debt Securities, Available-for-sale": "45,670,000",
"Insurance Commissions and Fees": "2,336,000",
"Liability for Future Policy Benefit": "27,991,000",
"Mortgage Loans on Real Estate, Net": "0",
"Net Investment Income": "1,882,000",
"Other Assets": "44,589,000",
"Other Compr. Net Income": "-1,511,000",
"Other Expenses": "1,952,000",
"Other Liabilities": "53,480,000",
"Other Net Income": "0",
"Other Revenues": "592,000",
"Premiums Earned, Net": "606,000",
"Separate Account, Assets": "97,780,000",
"Separate Account, Liability": "97,780,000"
},
"output_variables": {
"Liabilities": "179,251,000",
"Assets": "188,039,000",
"Expenses": "4,696,000",
"Revenues": "5,416,000",
"Stockholders Equity": "8,788,000",
"Net Income": "720,000",
"Comprehensive Net Income": "-791,000",
"BaseVar": "189,456,500",
"ECR before LimitedLiability": "2.0%",
"Economic Capital Ratio": "19%"
}
},
"2014": {
"input_variables": {
"Benefits": "3,826,000",
"Debt Securities, Available-for-sale": "51,156,000",
"Insurance Commissions and Fees": "3,193,000",
"Liability for Future Policy Benefit": "28,479,000",
"Mortgage Loans on Real Estate, Net": "0",
"Net Investment Income": "2,019,000",
"Other Assets": "45,846,000",
"Other Compr. Net Income": "1,446,000",
"Other Expenses": "2,782,000",
"Other Liabilities": "56,517,000",
"Other Net Income": "0",
"Other Revenues": "539,000",
"Premiums Earned, Net": "1,152,000",
"Separate Account, Assets": "108,861,000",
"Separate Account, Liability": "108,861,000"
},
"output_variables": {
"Liabilities": "193,857,000",
"Assets": "205,863,000",
"Expenses": "6,608,000",
"Revenues": "6,903,000",
"Stockholders Equity": "12,006,000",
"Net Income": "295,000",
"Comprehensive Net Income": "1,741,000",
"BaseVar": "207,338,500",
"ECR before LimitedLiability": "3.9%",
"Economic Capital Ratio": "21%"
}
},
"2015": {
"input_variables": {
"Benefits": "3,733,000",
"Debt Securities, Available-for-sale": "52,818,000",
"Insurance Commissions and Fees": "2,940,000",
"Liability for Future Policy Benefit": "29,894,000",
"Mortgage Loans on Real Estate, Net": "0",
"Net Investment Income": "2,227,000",
"Other Assets": "47,809,000",
"Other Compr. Net Income": "-1,013,000",
"Other Expenses": "2,317,000",
"Other Liabilities": "59,170,000",
"Other Net Income": "0",
"Other Revenues": "504,000",
"Premiums Earned, Net": "1,433,000",
"Separate Account, Assets": "101,735,000",
"Separate Account, Liability": "101,735,000"
},
"output_variables": {
"Liabilities": "190,799,000",
"Assets": "202,362,000",
"Expenses": "6,050,000",
"Revenues": "7,104,000",
"Stockholders Equity": "11,563,000",
"Net Income": "1,054,000",
"Comprehensive Net Income": "41,000",
"BaseVar": "203,664,000",
"ECR before LimitedLiability": "3.0%",
"Economic Capital Ratio": "20%"
}
}
},
"top_rated": false,
"trend": 6.0,
"value": 0.1980528711453582,
"company_index": "https://www.realrate-archive.com/us_life/2015/industry_indexes/0000733076.svg",
"analysing_equity": "https://www.realrate-archive.com/us_life/2015/analytics/equity/0000733076.svg",
"analysing_profit_loss": "https://www.realrate-archive.com/us_life/2015/analytics/profit_loss/0000733076.svg"
},
{
"company_id": "0000055362",
"feature_distribution_plot": "https://www.realrate-archive.com/us_life/2015/feature_distribution/feature_distribution_0000055362.svg",
"graph_url": "https://www.realrate-archive.com/us_life/2015/graphs/IME_0000055362.svg",
"logo_url": "https://www.realrate-archive.com/us_life/logos/0000055362.png",
"logo_url_256x256": "https://www.realrate-archive.com/us_life/logos/0000055362_256x256.png",
"main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_life/2015/plot_over_time/0000055362_main_keyfigs.svg",
"name": "Investors Heritage Capital Corp",
"rank": 13,
"regression_plot": "https://www.realrate-archive.com/us_life/2015/backtesting_correlation/regression_0000055362.svg",
"report_text": "The relative strengths and weaknesses of Investors Heritage Capital Corp are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of Investors Heritage Capital Corp compared to the market average is the variable Debt Securities, Available-for-sale, increasing the Economic Capital Ratio by 7.0% points.The greatest weakness of Investors Heritage Capital Corp is the variable Liability for Future Policy Benefit, reducing the Economic Capital Ratio by 36% points.
The company's Economic Capital Ratio, given in the ranking table, is 19%, being 2.3% points below the market average of 22%.",
"report_url": "https://www.realrate-archive.com/us_life/2015/report/0000055362_2016_Investors_Heritage_Capital_Corp.pdf",
"shrinked_graph_json": {
"2011": {
"Separate Account, Liability": "5.89",
"Liabilities": "5.32",
"Assets": "-6.99",
"Stockholders Equity": "-3.40",
"ECR before LimitedLiability": "-3.03",
"Other Liabilities": "6.81",
"Liability for Future Policy Benefit": "-32.5",
"Debt Securities, Available-for-sale": "7.34",
"Separate Account, Assets": "-9.23",
"Other Assets": "-9.38",
"Other Expenses": "-11.9",
"Expenses": "-12.4",
"Comprehensive Net Income": "-0.298",
"Benefits": "-0.657",
"Other Revenues": "5.78",
"Revenues": "6.29",
"Premiums Earned, Net": "2.96",
"Net Investment Income": "0.420",
"Insurance Commissions and Fees": "-0.323",
"Other Compr. Net Income": "-0.297",
"Economic Capital Ratio": "-2.71"
},
"2012": {
"Other Liabilities": "8.48",
"Liabilities": "1.11",
"Stockholders Equity": "-0.294",
"ECR before LimitedLiability": "0.322",
"Separate Account, Liability": "7.82",
"Liability for Future Policy Benefit": "-34.8",
"Debt Securities, Available-for-sale": "10.7",
"Assets": "-1.17",
"Other Assets": "-7.39",
"Mortgage Loans on Real Estate, Net": "-0.142",
"Separate Account, Assets": "-7.93",
"Expenses": "-1.95",
"Comprehensive Net Income": "0.708",
"Benefits": "-2.01",
"Other Revenues": "-1.46",
"Revenues": "2.06",
"Insurance Commissions and Fees": "-0.155",
"Premiums Earned, Net": "2.78",
"Net Investment Income": "0.968",
"Other Compr. Net Income": "0.694",
"Economic Capital Ratio": "0.508"
},
"2013": {
"Separate Account, Liability": "3.28",
"Liabilities": "2.34",
"Assets": "-2.61",
"Stockholders Equity": "-0.325",
"Other Liabilities": "4.53",
"Liability for Future Policy Benefit": "-37.1",
"Debt Securities, Available-for-sale": "7.37",
"Separate Account, Assets": "-10.2",
"Other Assets": "-8.37",
"Other Expenses": "-1.75",
"Expenses": "-4.38",
"Comprehensive Net Income": "-1.89",
"Benefits": "-2.73",
"Net Investment Income": "0.980",
"Revenues": "2.38",
"Other Revenues": "-0.975",
"Premiums Earned, Net": "2.42",
"Insurance Commissions and Fees": "-0.705",
"ECR before LimitedLiability": "-2.30",
"Other Compr. Net Income": "-1.73",
"Economic Capital Ratio": "-2.14"
},
"2014": {
"Separate Account, Liability": "6.74",
"Liabilities": "1.51",
"Stockholders Equity": "0.121",
"ECR before LimitedLiability": "-0.187",
"Liability for Future Policy Benefit": "-33.9",
"Other Liabilities": "7.15",
"Other Assets": "-5.75",
"Assets": "-1.18",
"Separate Account, Assets": "-9.18",
"Mortgage Loans on Real Estate, Net": "0.657",
"Debt Securities, Available-for-sale": "8.79",
"Other Expenses": "-1.10",
"Expenses": "-2.68",
"Net Income": "-0.392",
"Benefits": "-1.62",
"Net Investment Income": "0.985",
"Revenues": "2.44",
"Other Revenues": "-0.761",
"Premiums Earned, Net": "2.99",
"Insurance Commissions and Fees": "-0.725",
"Economic Capital Ratio": "0.0428",
"Other Compr. Net Income": "0.331"
},
"2015": {
"Liability for Future Policy Benefit": "-35.6",
"Liabilities": "1.06",
"ECR before LimitedLiability": "-2.49",
"Other Liabilities": "3.98",
"Separate Account, Liability": "3.57",
"Other Assets": "-7.17",
"Assets": "-1.49",
"Comprehensive Net Income": "-1.67",
"Separate Account, Assets": "-10.9",
"Mortgage Loans on Real Estate, Net": "1.52",
"Debt Securities, Available-for-sale": "6.97",
"Benefits": "-2.75",
"Expenses": "-2.10",
"Other Expenses": "0.694",
"Other Revenues": "-1.28",
"Revenues": "1.81",
"Insurance Commissions and Fees": "-0.763",
"Net Investment Income": "1.58",
"Premiums Earned, Net": "2.34",
"Other Compr. Net Income": "-1.31",
"Economic Capital Ratio": "-2.27"
}
},
"strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_life/2015/plot_over_time/0000055362_strength_weakness.svg",
"table_records": {
"2011": {
"input_variables": {
"Benefits": "37,769",
"Debt Securities, Available-for-sale": "423,017",
"Insurance Commissions and Fees": "0",
"Liability for Future Policy Benefit": "466,623",
"Mortgage Loans on Real Estate, Net": "19,332",
"Net Investment Income": "18,206",
"Other Assets": "109,496",
"Other Compr. Net Income": "0",
"Other Expenses": "120,123",
"Other Liabilities": "27,558",
"Other Net Income": "0",
"Other Revenues": "96,216",
"Premiums Earned, Net": "44,022",
"Separate Account, Assets": "0",
"Separate Account, Liability": "0"
},
"output_variables": {
"Liabilities": "494,181",
"Assets": "551,845",
"Expenses": "157,892",
"Revenues": "158,444",
"Stockholders Equity": "57,664",
"Net Income": "552",
"Comprehensive Net Income": "552",
"BaseVar": "681,181",
"ECR before LimitedLiability": "5.6%",
"Economic Capital Ratio": "22%"
}
},
"2012": {
"input_variables": {
"Benefits": "41,867",
"Debt Securities, Available-for-sale": "439,710",
"Insurance Commissions and Fees": "0",
"Liability for Future Policy Benefit": "479,049",
"Mortgage Loans on Real Estate, Net": "16,620",
"Net Investment Income": "20,726",
"Other Assets": "119,676",
"Other Compr. Net Income": "8,934",
"Other Expenses": "26,464",
"Other Liabilities": "28,724",
"Other Net Income": "0",
"Other Revenues": "2,209",
"Premiums Earned, Net": "47,495",
"Separate Account, Assets": "0",
"Separate Account, Liability": "0"
},
"output_variables": {
"Liabilities": "507,773",
"Assets": "576,006",
"Expenses": "68,331",
"Revenues": "70,430",
"Stockholders Equity": "68,233",
"Net Income": "2,099",
"Comprehensive Net Income": "11,033",
"BaseVar": "615,737",
"ECR before LimitedLiability": "8.3%",
"Economic Capital Ratio": "25%"
}
},
"2013": {
"input_variables": {
"Benefits": "42,914",
"Debt Securities, Available-for-sale": "423,727",
"Insurance Commissions and Fees": "0",
"Liability for Future Policy Benefit": "495,706",
"Mortgage Loans on Real Estate, Net": "18,602",
"Net Investment Income": "20,661",
"Other Assets": "121,280",
"Other Compr. Net Income": "-15,788",
"Other Expenses": "35,411",
"Other Liabilities": "14,255",
"Other Net Income": "0",
"Other Revenues": "3,912",
"Premiums Earned, Net": "55,548",
"Separate Account, Assets": "0",
"Separate Account, Liability": "0"
},
"output_variables": {
"Liabilities": "509,962",
"Assets": "563,609",
"Expenses": "78,325",
"Revenues": "80,120",
"Stockholders Equity": "53,647",
"Net Income": "1,796",
"Comprehensive Net Income": "-13,992",
"BaseVar": "623,902",
"ECR before LimitedLiability": "2.4%",
"Economic Capital Ratio": "19%"
}
},
"2014": {
"input_variables": {
"Benefits": "40,569",
"Debt Securities, Available-for-sale": "437,523",
"Insurance Commissions and Fees": "0",
"Liability for Future Policy Benefit": "504,585",
"Mortgage Loans on Real Estate, Net": "29,459",
"Net Investment Income": "21,163",
"Other Assets": "118,231",
"Other Compr. Net Income": "5,952",
"Other Expenses": "29,063",
"Other Liabilities": "20,092",
"Other Net Income": "0",
"Other Revenues": "2,306",
"Premiums Earned, Net": "47,429",
"Separate Account, Assets": "0",
"Separate Account, Liability": "0"
},
"output_variables": {
"Liabilities": "524,677",
"Assets": "585,213",
"Expenses": "69,632",
"Revenues": "70,898",
"Stockholders Equity": "60,536",
"Net Income": "1,266",
"Comprehensive Net Income": "7,219",
"BaseVar": "628,186",
"ECR before LimitedLiability": "6.8%",
"Economic Capital Ratio": "23%"
}
},
"2015": {
"input_variables": {
"Benefits": "44,306",
"Debt Securities, Available-for-sale": "416,764",
"Insurance Commissions and Fees": "0",
"Liability for Future Policy Benefit": "507,862",
"Mortgage Loans on Real Estate, Net": "33,174",
"Net Investment Income": "21,237",
"Other Assets": "120,100",
"Other Compr. Net Income": "-11,947",
"Other Expenses": "22,834",
"Other Liabilities": "12,925",
"Other Net Income": "0",
"Other Revenues": "2,586",
"Premiums Earned, Net": "44,354",
"Separate Account, Assets": "0",
"Separate Account, Liability": "0"
},
"output_variables": {
"Liabilities": "520,787",
"Assets": "570,038",
"Expenses": "67,140",
"Revenues": "68,177",
"Stockholders Equity": "49,251",
"Net Income": "1,037",
"Comprehensive Net Income": "-10,910",
"BaseVar": "619,045",
"ECR before LimitedLiability": "2.5%",
"Economic Capital Ratio": "19%"
}
}
},
"top_rated": false,
"trend": -1.0,
"value": 0.19380953585589056,
"company_index": "https://www.realrate-archive.com/us_life/2015/industry_indexes/0000055362.svg",
"analysing_equity": "https://www.realrate-archive.com/us_life/2015/analytics/equity/0000055362.svg",
"analysing_profit_loss": "https://www.realrate-archive.com/us_life/2015/analytics/profit_loss/0000055362.svg"
},
{
"company_id": "0000727892",
"feature_distribution_plot": "https://www.realrate-archive.com/us_life/2015/feature_distribution/feature_distribution_0000727892.svg",
"graph_url": "https://www.realrate-archive.com/us_life/2015/graphs/IME_0000727892.svg",
"logo_url": "https://www.realrate-archive.com/us_life/logos/0000727892.png",
"logo_url_256x256": "https://www.realrate-archive.com/us_life/logos/0000727892_256x256.png",
"main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_life/2015/plot_over_time/0000727892_main_keyfigs.svg",
"name": "Riversource LIFE Insurance CO",
"rank": 14,
"regression_plot": "https://www.realrate-archive.com/us_life/2015/backtesting_correlation/regression_0000727892.svg",
"report_text": "The relative strengths and weaknesses of Riversource LIFE Insurance CO are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of Riversource LIFE Insurance CO compared to the market average is the variable Separate Account, Assets, increasing the Economic Capital Ratio by 6.4% points.The greatest weakness of Riversource LIFE Insurance CO is the variable Separate Account, Liability, reducing the Economic Capital Ratio by 20% points.
The company's Economic Capital Ratio, given in the ranking table, is 19%, being 2.5% points below the market average of 22%.",
"report_url": "https://www.realrate-archive.com/us_life/2015/report/0000727892_2016_Riversource_LIFE_Insurance_CO.pdf",
"shrinked_graph_json": {
"2011": {
"Separate Account, Liability": "-18.7",
"Liabilities": "-6.12",
"Stockholders Equity": "-4.14",
"Other Liabilities": "4.60",
"Liability for Future Policy Benefit": "-3.41",
"Debt Securities, Available-for-sale": "-3.98",
"Assets": "1.59",
"Separate Account, Assets": "6.95",
"Mortgage Loans on Real Estate, Net": "-1.21",
"Other Assets": "-8.66",
"Other Expenses": "3.52",
"Expenses": "3.70",
"Net Income": "0.634",
"Benefits": "3.27",
"Other Revenues": "-2.54",
"Revenues": "-6.57",
"Premiums Earned, Net": "-3.29",
"Net Investment Income": "-0.777",
"ECR before LimitedLiability": "-4.85",
"Comprehensive Net Income": "0.385",
"Economic Capital Ratio": "-4.53"
},
"2012": {
"Other Liabilities": "4.39",
"Liabilities": "-5.01",
"Stockholders Equity": "-3.50",
"Separate Account, Liability": "-20.5",
"Liability for Future Policy Benefit": "-2.03",
"Debt Securities, Available-for-sale": "-3.49",
"Assets": "1.23",
"Other Assets": "-9.92",
"Mortgage Loans on Real Estate, Net": "-1.38",
"Separate Account, Assets": "7.13",
"Other Expenses": "2.99",
"Expenses": "3.09",
"Revenues": "-5.42",
"Net Income": "0.253",
"Benefits": "2.84",
"Premiums Earned, Net": "-4.21",
"Net Investment Income": "-1.00",
"ECR before LimitedLiability": "-4.38",
"Comprehensive Net Income": "-0.200",
"Other Compr. Net Income": "-0.450",
"Economic Capital Ratio": "-4.20"
},
"2013": {
"Separate Account, Liability": "-21.2",
"Liabilities": "-4.46",
"Assets": "1.57",
"Stockholders Equity": "-2.74",
"Other Liabilities": "2.07",
"Liability for Future Policy Benefit": "2.69",
"Debt Securities, Available-for-sale": "-4.19",
"Separate Account, Assets": "6.81",
"Other Assets": "-10.7",
"Other Expenses": "2.01",
"Expenses": "2.14",
"Comprehensive Net Income": "0.726",
"Benefits": "2.00",
"Net Investment Income": "-1.23",
"Revenues": "-5.24",
"Other Revenues": "-1.19",
"Premiums Earned, Net": "-3.76",
"Insurance Commissions and Fees": "0.815",
"ECR before LimitedLiability": "-2.64",
"Other Compr. Net Income": "0.448",
"Economic Capital Ratio": "-2.48"
},
"2014": {
"Separate Account, Liability": "-20.8",
"Liabilities": "-4.45",
"Assets": "1.51",
"Stockholders Equity": "-2.75",
"Liability for Future Policy Benefit": "3.52",
"Other Liabilities": "2.68",
"Other Assets": "-8.79",
"Separate Account, Assets": "7.09",
"Debt Securities, Available-for-sale": "-6.02",
"Other Expenses": "2.46",
"Expenses": "2.78",
"Comprehensive Net Income": "-0.331",
"Benefits": "2.69",
"Net Investment Income": "-1.26",
"Revenues": "-5.15",
"Other Revenues": "-0.759",
"Premiums Earned, Net": "-4.00",
"Insurance Commissions and Fees": "0.775",
"ECR before LimitedLiability": "-3.83",
"Other Compr. Net Income": "-0.533",
"Economic Capital Ratio": "-3.60"
},
"2015": {
"Liability for Future Policy Benefit": "3.12",
"Liabilities": "-4.55",
"Assets": "1.80",
"Stockholders Equity": "-2.60",
"Other Liabilities": "2.28",
"Separate Account, Liability": "-19.9",
"Other Assets": "-9.50",
"Separate Account, Assets": "6.42",
"Debt Securities, Available-for-sale": "-4.81",
"Benefits": "2.28",
"Expenses": "2.44",
"Comprehensive Net Income": "0.677",
"Other Expenses": "2.29",
"Other Revenues": "-1.21",
"Revenues": "-5.53",
"Insurance Commissions and Fees": "0.921",
"Net Investment Income": "-0.914",
"Premiums Earned, Net": "-4.42",
"ECR before LimitedLiability": "-2.67",
"Other Compr. Net Income": "0.404",
"Economic Capital Ratio": "-2.45"
}
},
"strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_life/2015/plot_over_time/0000727892_strength_weakness.svg",
"table_records": {
"2011": {
"input_variables": {
"Benefits": "1,803,000",
"Debt Securities, Available-for-sale": "26,579,000",
"Insurance Commissions and Fees": "0",
"Liability for Future Policy Benefit": "31,182,000",
"Mortgage Loans on Real Estate, Net": "0",
"Net Investment Income": "1,593,000",
"Other Assets": "15,627,000",
"Other Compr. Net Income": "0",
"Other Expenses": "1,352,000",
"Other Liabilities": "5,152,000",
"Other Net Income": "0",
"Other Revenues": "1,848,000",
"Premiums Earned, Net": "493,000",
"Separate Account, Assets": "63,174,000",
"Separate Account, Liability": "63,174,000"
},
"output_variables": {
"Liabilities": "99,508,000",
"Assets": "105,380,000",
"Expenses": "3,155,000",
"Revenues": "3,934,000",
"Stockholders Equity": "5,872,000",
"Net Income": "779,000",
"Comprehensive Net Income": "779,000",
"BaseVar": "105,988,500",
"ECR before LimitedLiability": "3.6%",
"Economic Capital Ratio": "20%"
}
},
"2012": {
"input_variables": {
"Benefits": "2,047,000",
"Debt Securities, Available-for-sale": "25,936,000",
"Insurance Commissions and Fees": "0",
"Liability for Future Policy Benefit": "30,670,000",
"Mortgage Loans on Real Estate, Net": "0",
"Net Investment Income": "1,480,000",
"Other Assets": "14,417,000",
"Other Compr. Net Income": "303,000",
"Other Expenses": "1,144,000",
"Other Liabilities": "4,984,000",
"Other Net Income": "0",
"Other Revenues": "1,919,000",
"Premiums Earned, Net": "442,000",
"Separate Account, Assets": "69,395,000",
"Separate Account, Liability": "69,395,000"
},
"output_variables": {
"Liabilities": "105,049,000",
"Assets": "109,748,000",
"Expenses": "3,191,000",
"Revenues": "3,841,000",
"Stockholders Equity": "4,699,000",
"Net Income": "650,000",
"Comprehensive Net Income": "953,000",
"BaseVar": "111,066,000",
"ECR before LimitedLiability": "3.1%",
"Economic Capital Ratio": "20%"
}
},
"2013": {
"input_variables": {
"Benefits": "1,978,000",
"Debt Securities, Available-for-sale": "24,393,000",
"Insurance Commissions and Fees": "1,725,000",
"Liability for Future Policy Benefit": "0",
"Mortgage Loans on Real Estate, Net": "3,326,000",
"Net Investment Income": "1,411,000",
"Other Assets": "11,669,000",
"Other Compr. Net Income": "-584,000",
"Other Expenses": "1,108,000",
"Other Liabilities": "35,230,000",
"Other Net Income": "0",
"Other Revenues": "362,000",
"Premiums Earned, Net": "430,000",
"Separate Account, Assets": "77,616,000",
"Separate Account, Liability": "77,616,000"
},
"output_variables": {
"Liabilities": "112,846,000",
"Assets": "117,004,000",
"Expenses": "3,086,000",
"Revenues": "3,928,000",
"Stockholders Equity": "4,158,000",
"Net Income": "842,000",
"Comprehensive Net Income": "258,000",
"BaseVar": "118,724,000",
"ECR before LimitedLiability": "2.0%",
"Economic Capital Ratio": "19%"
}
},
"2014": {
"input_variables": {
"Benefits": "1,759,000",
"Debt Securities, Available-for-sale": "23,250,000",
"Insurance Commissions and Fees": "1,821,000",
"Liability for Future Policy Benefit": "0",
"Mortgage Loans on Real Estate, Net": "3,298,000",
"Net Investment Income": "1,294,000",
"Other Assets": "12,410,000",
"Other Compr. Net Income": "79,000",
"Other Expenses": "1,242,000",
"Other Liabilities": "34,655,000",
"Other Net Income": "0",
"Other Revenues": "428,000",
"Premiums Earned, Net": "423,000",
"Separate Account, Assets": "79,178,000",
"Separate Account, Liability": "79,178,000"
},
"output_variables": {
"Liabilities": "113,833,000",
"Assets": "118,136,000",
"Expenses": "3,001,000",
"Revenues": "3,966,000",
"Stockholders Equity": "4,303,000",
"Net Income": "965,000",
"Comprehensive Net Income": "1,044,000",
"BaseVar": "119,507,500",
"ECR before LimitedLiability": "2.8%",
"Economic Capital Ratio": "20%"
}
},
"2015": {
"input_variables": {
"Benefits": "1,881,000",
"Debt Securities, Available-for-sale": "21,779,000",
"Insurance Commissions and Fees": "1,880,000",
"Liability for Future Policy Benefit": "0",
"Mortgage Loans on Real Estate, Net": "3,211,000",
"Net Investment Income": "1,218,000",
"Other Assets": "12,362,000",
"Other Compr. Net Income": "-334,000",
"Other Expenses": "1,154,000",
"Other Liabilities": "33,287,000",
"Other Net Income": "0",
"Other Revenues": "426,000",
"Premiums Earned, Net": "406,000",
"Separate Account, Assets": "76,004,000",
"Separate Account, Liability": "76,004,000"
},
"output_variables": {
"Liabilities": "109,291,000",
"Assets": "113,356,000",
"Expenses": "3,035,000",
"Revenues": "3,930,000",
"Stockholders Equity": "4,065,000",
"Net Income": "895,000",
"Comprehensive Net Income": "561,000",
"BaseVar": "114,973,000",
"ECR before LimitedLiability": "2.3%",
"Economic Capital Ratio": "19%"
}
}
},
"top_rated": false,
"trend": 8.0,
"value": 0.19204425628529115,
"company_index": "https://www.realrate-archive.com/us_life/2015/industry_indexes/0000727892.svg",
"analysing_equity": "https://www.realrate-archive.com/us_life/2015/analytics/equity/0000727892.svg",
"analysing_profit_loss": "https://www.realrate-archive.com/us_life/2015/analytics/profit_loss/0000727892.svg"
},
{
"company_id": "0000045947",
"feature_distribution_plot": "https://www.realrate-archive.com/us_life/2015/feature_distribution/feature_distribution_0000045947.svg",
"graph_url": "https://www.realrate-archive.com/us_life/2015/graphs/IME_0000045947.svg",
"logo_url": "https://www.realrate-archive.com/us_life/logos/0000045947.jpg",
"logo_url_256x256": "https://www.realrate-archive.com/us_life/logos/0000045947_256x256.png",
"main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_life/2015/plot_over_time/0000045947_main_keyfigs.svg",
"name": "Talcott Resolution LIFE Insurance CO",
"rank": 15,
"regression_plot": "https://www.realrate-archive.com/us_life/2015/backtesting_correlation/regression_0000045947.svg",
"report_text": "The relative strengths and weaknesses of Talcott Resolution LIFE Insurance CO are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of Talcott Resolution LIFE Insurance CO compared to the market average is the variable Separate Account, Assets, increasing the Economic Capital Ratio by 7.0% points.The greatest weakness of Talcott Resolution LIFE Insurance CO is the variable Separate Account, Liability, reducing the Economic Capital Ratio by 21% points.
The company's Economic Capital Ratio, given in the ranking table, is 19%, being 2.5% points below the market average of 22%.",
"report_url": "https://www.realrate-archive.com/us_life/2015/report/0000045947_2016_Talcott_Resolution_LIFE_Insurance_CO.pdf",
"shrinked_graph_json": {
"2011": {
"Separate Account, Liability": "-21.2",
"Liabilities": "-6.56",
"Stockholders Equity": "-4.74",
"Other Liabilities": "2.87",
"Liability for Future Policy Benefit": "3.09",
"Debt Securities, Available-for-sale": "-5.45",
"Assets": "1.40",
"Separate Account, Assets": "7.65",
"Mortgage Loans on Real Estate, Net": "-0.385",
"Other Assets": "-9.75",
"Other Expenses": "2.83",
"Expenses": "3.25",
"ECR before LimitedLiability": "-5.55",
"Benefits": "2.85",
"Other Revenues": "-4.15",
"Revenues": "-7.30",
"Premiums Earned, Net": "-3.66",
"Net Investment Income": "-1.13",
"Insurance Commissions and Fees": "1.40",
"Economic Capital Ratio": "-5.23",
"Other Net Income": "-1.29"
},
"2014": {
"Separate Account, Liability": "-23.0",
"Liabilities": "-4.64",
"Stockholders Equity": "-2.11",
"Liability for Future Policy Benefit": "3.43",
"Other Liabilities": "3.32",
"Other Assets": "-7.23",
"Assets": "2.38",
"Separate Account, Assets": "8.37",
"Mortgage Loans on Real Estate, Net": "-0.756",
"Debt Securities, Available-for-sale": "-7.83",
"Other Expenses": "2.80",
"Expenses": "3.23",
"Comprehensive Net Income": "-0.495",
"Benefits": "3.10",
"Net Investment Income": "-1.49",
"Revenues": "-6.36",
"Other Revenues": "-0.795",
"Premiums Earned, Net": "-4.22",
"ECR before LimitedLiability": "-3.42",
"Other Compr. Net Income": "-0.263",
"Economic Capital Ratio": "-3.19"
},
"2015": {
"Liability for Future Policy Benefit": "2.60",
"Liabilities": "-5.02",
"Stockholders Equity": "-2.02",
"Other Liabilities": "2.47",
"Separate Account, Liability": "-21.2",
"Other Assets": "-7.83",
"Assets": "2.26",
"Separate Account, Assets": "6.99",
"Mortgage Loans on Real Estate, Net": "-0.420",
"Debt Securities, Available-for-sale": "-6.40",
"Benefits": "2.28",
"Expenses": "2.54",
"Net Income": "-0.211",
"Other Expenses": "2.29",
"Other Revenues": "-1.62",
"Revenues": "-7.12",
"Net Investment Income": "-1.11",
"Premiums Earned, Net": "-4.62",
"ECR before LimitedLiability": "-2.69",
"Economic Capital Ratio": "-2.47",
"Other Compr. Net Income": "0.328"
}
},
"strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_life/2015/plot_over_time/0000045947_strength_weakness.svg",
"table_records": {
"2011": {
"input_variables": {
"Benefits": "0",
"Debt Securities, Available-for-sale": "48,176,000",
"Insurance Commissions and Fees": "3,802,000",
"Liability for Future Policy Benefit": "11,831,000",
"Mortgage Loans on Real Estate, Net": "4,182,000",
"Net Investment Income": "2,566,000",
"Other Assets": "26,320,000",
"Other Compr. Net Income": "1,201,000",
"Other Expenses": "3,252,000",
"Other Liabilities": "57,186,000",
"Other Net Income": "-3,107,000",
"Other Revenues": "1,000",
"Premiums Earned, Net": "234,000",
"Separate Account, Assets": "143,859,000",
"Separate Account, Liability": "143,859,000"
},
"output_variables": {
"Liabilities": "212,876,000",
"Assets": "222,537,000",
"Expenses": "3,252,000",
"Revenues": "6,603,000",
"Stockholders Equity": "9,661,000",
"Net Income": "244,000",
"Comprehensive Net Income": "1,445,000",
"BaseVar": "224,788,000",
"ECR before LimitedLiability": "2.9%",
"Economic Capital Ratio": "20%"
}
},
"2014": {
"input_variables": {
"Benefits": "1,460,000",
"Debt Securities, Available-for-sale": "25,950,000",
"Insurance Commissions and Fees": "1,210,000",
"Liability for Future Policy Benefit": "13,624,000",
"Mortgage Loans on Real Estate, Net": "3,109,000",
"Net Investment Income": "1,543,000",
"Other Assets": "28,027,000",
"Other Compr. Net Income": "646,000",
"Other Expenses": "1,248,000",
"Other Liabilities": "34,171,000",
"Other Net Income": "23,000",
"Other Revenues": "577,000",
"Premiums Earned, Net": "32,000",
"Separate Account, Assets": "134,689,000",
"Separate Account, Liability": "134,689,000"
},
"output_variables": {
"Liabilities": "182,484,000",
"Assets": "191,775,000",
"Expenses": "2,708,000",
"Revenues": "3,362,000",
"Stockholders Equity": "9,291,000",
"Net Income": "677,000",
"Comprehensive Net Income": "1,323,000",
"BaseVar": "190,499,000",
"ECR before LimitedLiability": "3.2%",
"Economic Capital Ratio": "20%"
}
},
"2015": {
"input_variables": {
"Benefits": "1,402,000",
"Debt Securities, Available-for-sale": "25,116,000",
"Insurance Commissions and Fees": "1,097,000",
"Liability for Future Policy Benefit": "13,850,000",
"Mortgage Loans on Real Estate, Net": "2,918,000",
"Net Investment Income": "1,456,000",
"Other Assets": "27,205,000",
"Other Compr. Net Income": "-628,000",
"Other Expenses": "625,000",
"Other Liabilities": "33,227,000",
"Other Net Income": "28,000",
"Other Revenues": "-146,000",
"Premiums Earned, Net": "92,000",
"Separate Account, Assets": "120,111,000",
"Separate Account, Liability": "120,111,000"
},
"output_variables": {
"Liabilities": "167,188,000",
"Assets": "175,350,000",
"Expenses": "2,027,000",
"Revenues": "2,499,000",
"Stockholders Equity": "8,162,000",
"Net Income": "500,000",
"Comprehensive Net Income": "-128,000",
"BaseVar": "173,860,000",
"ECR before LimitedLiability": "2.3%",
"Economic Capital Ratio": "19%"
}
}
},
"top_rated": false,
"trend": 4.0,
"value": 0.1918373447042262,
"company_index": "https://www.realrate-archive.com/us_life/2015/industry_indexes/0000045947.svg",
"analysing_equity": "https://www.realrate-archive.com/us_life/2015/analytics/equity/0000045947.svg",
"analysing_profit_loss": "https://www.realrate-archive.com/us_life/2015/analytics/profit_loss/0000045947.svg"
},
{
"company_id": "0000777917",
"feature_distribution_plot": "https://www.realrate-archive.com/us_life/2015/feature_distribution/feature_distribution_0000777917.svg",
"graph_url": "https://www.realrate-archive.com/us_life/2015/graphs/IME_0000777917.svg",
"logo_url": "https://www.realrate-archive.com/us_life/logos/0000777917.svg",
"logo_url_256x256": "https://www.realrate-archive.com/us_life/logos/0000777917_256x256.png",
"main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_life/2015/plot_over_time/0000777917_main_keyfigs.svg",
"name": "Pruco LIFE Insurance CO",
"rank": 16,
"regression_plot": "https://www.realrate-archive.com/us_life/2015/backtesting_correlation/regression_0000777917.svg",
"report_text": "The relative strengths and weaknesses of Pruco LIFE Insurance CO are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of Pruco LIFE Insurance CO compared to the market average is the variable Separate Account, Assets, increasing the Economic Capital Ratio by 8.0% points.The greatest weakness of Pruco LIFE Insurance CO is the variable Separate Account, Liability, reducing the Economic Capital Ratio by 24% points.
The company's Economic Capital Ratio, given in the ranking table, is 19%, being 2.9% points below the market average of 22%.",
"report_url": "https://www.realrate-archive.com/us_life/2015/report/0000777917_2016_Pruco_LIFE_Insurance_CO.pdf",
"shrinked_graph_json": {
"2011": {
"Separate Account, Liability": "-28.0",
"Liabilities": "-6.78",
"Stockholders Equity": "-4.84",
"Other Liabilities": "2.76",
"Liability for Future Policy Benefit": "2.31",
"Debt Securities, Available-for-sale": "-10.3",
"Assets": "1.57",
"Separate Account, Assets": "10.6",
"Mortgage Loans on Real Estate, Net": "-0.414",
"Other Assets": "-8.89",
"Other Expenses": "2.07",
"Expenses": "2.38",
"Comprehensive Net Income": "-0.434",
"Benefits": "2.06",
"Other Revenues": "-2.28",
"Revenues": "-7.55",
"Premiums Earned, Net": "-3.72",
"Net Investment Income": "-1.70",
"Insurance Commissions and Fees": "-0.274",
"ECR before LimitedLiability": "-6.33",
"Economic Capital Ratio": "-6.01"
},
"2012": {
"Other Liabilities": "3.40",
"Liabilities": "-5.88",
"Stockholders Equity": "-3.85",
"Separate Account, Liability": "-30.6",
"Liability for Future Policy Benefit": "2.73",
"Debt Securities, Available-for-sale": "-9.55",
"Assets": "1.76",
"Other Assets": "-9.42",
"Mortgage Loans on Real Estate, Net": "-1.39",
"Separate Account, Assets": "11.5",
"Other Expenses": "2.44",
"Expenses": "2.68",
"Revenues": "-6.50",
"Net Income": "0.333",
"Benefits": "2.46",
"Premiums Earned, Net": "-4.49",
"Net Investment Income": "-1.87",
"ECR before LimitedLiability": "-4.94",
"Comprehensive Net Income": "-0.332",
"Other Compr. Net Income": "-0.661",
"Economic Capital Ratio": "-4.76"
},
"2013": {
"Separate Account, Liability": "-28.2",
"Liabilities": "-5.17",
"Stockholders Equity": "-2.70",
"Other Liabilities": "3.48",
"Liability for Future Policy Benefit": "2.99",
"Debt Securities, Available-for-sale": "-9.53",
"Assets": "2.31",
"Separate Account, Assets": "10.6",
"Other Assets": "-7.86",
"Mortgage Loans on Real Estate, Net": "-1.42",
"Other Expenses": "2.71",
"Expenses": "2.93",
"Comprehensive Net Income": "1.50",
"Benefits": "2.73",
"Net Investment Income": "-1.99",
"Revenues": "-6.12",
"Other Revenues": "-1.19",
"Premiums Earned, Net": "-3.93",
"Insurance Commissions and Fees": "0.793",
"ECR before LimitedLiability": "-1.93",
"Economic Capital Ratio": "-1.77"
},
"2014": {
"Separate Account, Liability": "-25.5",
"Liabilities": "-5.07",
"Stockholders Equity": "-2.97",
"Liability for Future Policy Benefit": "2.49",
"Other Liabilities": "2.80",
"Other Assets": "-5.27",
"Assets": "1.93",
"Separate Account, Assets": "9.05",
"Mortgage Loans on Real Estate, Net": "-1.52",
"Debt Securities, Available-for-sale": "-10.9",
"Other Expenses": "2.17",
"Expenses": "2.37",
"Comprehensive Net Income": "-0.576",
"Benefits": "2.22",
"Net Investment Income": "-2.02",
"Revenues": "-6.19",
"Other Revenues": "-0.742",
"Premiums Earned, Net": "-4.28",
"Insurance Commissions and Fees": "0.670",
"ECR before LimitedLiability": "-4.35",
"Economic Capital Ratio": "-4.12"
},
"2015": {
"Liability for Future Policy Benefit": "2.07",
"Liabilities": "-5.33",
"Stockholders Equity": "-2.83",
"Other Liabilities": "2.34",
"Separate Account, Liability": "-23.8",
"Other Assets": "-6.23",
"Assets": "1.79",
"Separate Account, Assets": "7.97",
"Mortgage Loans on Real Estate, Net": "-0.694",
"Debt Securities, Available-for-sale": "-9.75",
"Benefits": "1.83",
"Expenses": "2.08",
"ECR before LimitedLiability": "-3.16",
"Other Expenses": "1.80",
"Other Revenues": "-1.43",
"Revenues": "-6.80",
"Insurance Commissions and Fees": "0.731",
"Net Investment Income": "-1.66",
"Premiums Earned, Net": "-4.68",
"Economic Capital Ratio": "-2.95",
"Other Compr. Net Income": "0.615"
}
},
"strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_life/2015/plot_over_time/0000777917_strength_weakness.svg",
"table_records": {
"2011": {
"input_variables": {
"Benefits": "814,796",
"Debt Securities, Available-for-sale": "5,552,393",
"Insurance Commissions and Fees": "0",
"Liability for Future Policy Benefit": "5,294,308",
"Mortgage Loans on Real Estate, Net": "1,406,492",
"Net Investment Income": "439,950",
"Other Assets": "11,729,891",
"Other Compr. Net Income": "30,861",
"Other Expenses": "1,425,929",
"Other Liabilities": "10,130,445",
"Other Net Income": "0",
"Other Revenues": "1,617,312",
"Premiums Earned, Net": "72,787",
"Separate Account, Assets": "58,156,771",
"Separate Account, Liability": "58,156,771"
},
"output_variables": {
"Liabilities": "73,581,524",
"Assets": "76,845,547",
"Expenses": "2,240,725",
"Revenues": "2,130,049",
"Stockholders Equity": "3,264,023",
"Net Income": "-110,676",
"Comprehensive Net Income": "-79,815",
"BaseVar": "77,414,353",
"ECR before LimitedLiability": "2.1%",
"Economic Capital Ratio": "19%"
}
},
"2012": {
"input_variables": {
"Benefits": "519,486",
"Debt Securities, Available-for-sale": "6,140,092",
"Insurance Commissions and Fees": "0",
"Liability for Future Policy Benefit": "6,696,813",
"Mortgage Loans on Real Estate, Net": "0",
"Net Investment Income": "417,510",
"Other Assets": "15,194,189",
"Other Compr. Net Income": "53,833",
"Other Expenses": "1,020,454",
"Other Liabilities": "11,121,576",
"Other Net Income": "0",
"Other Revenues": "1,738,631",
"Premiums Earned, Net": "68,136",
"Separate Account, Assets": "80,887,276",
"Separate Account, Liability": "80,887,276"
},
"output_variables": {
"Liabilities": "98,705,665",
"Assets": "102,221,557",
"Expenses": "1,539,940",
"Revenues": "2,224,277",
"Stockholders Equity": "3,515,892",
"Net Income": "684,337",
"Comprehensive Net Income": "738,170",
"BaseVar": "102,372,636",
"ECR before LimitedLiability": "2.5%",
"Economic Capital Ratio": "19%"
}
},
"2013": {
"input_variables": {
"Benefits": "224,661",
"Debt Securities, Available-for-sale": "5,652,172",
"Insurance Commissions and Fees": "1,880,925",
"Liability for Future Policy Benefit": "6,916,669",
"Mortgage Loans on Real Estate, Net": "0",
"Net Investment Income": "419,011",
"Other Assets": "23,267,635",
"Other Compr. Net Income": "-210,815",
"Other Expenses": "932,903",
"Other Liabilities": "17,596,917",
"Other Net Income": "0",
"Other Revenues": "338,987",
"Premiums Earned, Net": "56,851",
"Separate Account, Assets": "100,402,349",
"Separate Account, Liability": "100,402,349"
},
"output_variables": {
"Liabilities": "124,915,935",
"Assets": "129,322,156",
"Expenses": "1,157,564",
"Revenues": "2,695,774",
"Stockholders Equity": "4,406,221",
"Net Income": "1,538,210",
"Comprehensive Net Income": "1,327,395",
"BaseVar": "129,151,122",
"ECR before LimitedLiability": "2.8%",
"Economic Capital Ratio": "20%"
}
},
"2014": {
"input_variables": {
"Benefits": "712,029",
"Debt Securities, Available-for-sale": "6,224,064",
"Insurance Commissions and Fees": "2,074,852",
"Liability for Future Policy Benefit": "13,915,330",
"Mortgage Loans on Real Estate, Net": "0",
"Net Investment Income": "404,018",
"Other Assets": "30,423,348",
"Other Compr. Net Income": "122,045",
"Other Expenses": "1,596,265",
"Other Liabilities": "18,178,097",
"Other Net Income": "0",
"Other Revenues": "549,021",
"Premiums Earned, Net": "66,206",
"Separate Account, Assets": "109,194,192",
"Separate Account, Liability": "109,194,192"
},
"output_variables": {
"Liabilities": "141,287,619",
"Assets": "145,841,604",
"Expenses": "2,308,294",
"Revenues": "3,094,097",
"Stockholders Equity": "4,553,985",
"Net Income": "785,803",
"Comprehensive Net Income": "907,848",
"BaseVar": "146,326,830",
"ECR before LimitedLiability": "2.2%",
"Economic Capital Ratio": "19%"
}
},
"2015": {
"input_variables": {
"Benefits": "665,396",
"Debt Securities, Available-for-sale": "6,892,905",
"Insurance Commissions and Fees": "2,159,428",
"Liability for Future Policy Benefit": "15,031,390",
"Mortgage Loans on Real Estate, Net": "1,658,235",
"Net Investment Income": "416,587",
"Other Assets": "30,742,684",
"Other Compr. Net Income": "-113,886",
"Other Expenses": "1,684,653",
"Other Liabilities": "19,751,617",
"Other Net Income": "0",
"Other Revenues": "209,298",
"Premiums Earned, Net": "77,634",
"Separate Account, Assets": "109,350,121",
"Separate Account, Liability": "109,350,121"
},
"output_variables": {
"Liabilities": "144,133,128",
"Assets": "148,643,945",
"Expenses": "2,350,049",
"Revenues": "2,862,947",
"Stockholders Equity": "4,510,817",
"Net Income": "512,898",
"Comprehensive Net Income": "399,012",
"BaseVar": "149,051,978",
"ECR before LimitedLiability": "1.8%",
"Economic Capital Ratio": "19%"
}
}
},
"top_rated": false,
"trend": 8.0,
"value": 0.18708069340758923,
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"analysing_equity": "https://www.realrate-archive.com/us_life/2015/analytics/equity/0000777917.svg",
"analysing_profit_loss": "https://www.realrate-archive.com/us_life/2015/analytics/profit_loss/0000777917.svg"
},
{
"company_id": "0000837010",
"feature_distribution_plot": "https://www.realrate-archive.com/us_life/2015/feature_distribution/feature_distribution_0000837010.svg",
"graph_url": "https://www.realrate-archive.com/us_life/2015/graphs/IME_0000837010.svg",
"logo_url": "https://www.realrate-archive.com/us_life/logos/0000837010.png",
"logo_url_256x256": "https://www.realrate-archive.com/us_life/logos/0000837010_256x256.png",
"main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_life/2015/plot_over_time/0000837010_main_keyfigs.svg",
"name": "VOYA Retirement Insurance Annuity Co",
"rank": 17,
"regression_plot": "https://www.realrate-archive.com/us_life/2015/backtesting_correlation/regression_0000837010.svg",
"report_text": "The relative strengths and weaknesses of VOYA Retirement Insurance Annuity Co are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of VOYA Retirement Insurance Annuity Co compared to the market average is the variable Separate Account, Assets, increasing the Economic Capital Ratio by 5.5% points.The greatest weakness of VOYA Retirement Insurance Annuity Co is the variable Separate Account, Liability, reducing the Economic Capital Ratio by 19% points.
The company's Economic Capital Ratio, given in the ranking table, is 18%, being 3.2% points below the market average of 22%.",
"report_url": "https://www.realrate-archive.com/us_life/2015/report/0000837010_2016_VOYA_Retirement_Insurance_Annuity_Co.pdf",
"shrinked_graph_json": {
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"Separate Account, Liability": "-19.2",
"Liabilities": "-6.19",
"Stockholders Equity": "-4.03",
"Other Liabilities": "4.91",
"Liability for Future Policy Benefit": "-4.10",
"Debt Securities, Available-for-sale": "-4.22",
"Assets": "1.77",
"Separate Account, Assets": "7.26",
"Mortgage Loans on Real Estate, Net": "-1.20",
"Other Assets": "-8.55",
"Other Expenses": "3.27",
"Expenses": "3.89",
"Comprehensive Net Income": "0.477",
"Benefits": "3.70",
"Other Revenues": "-3.79",
"Revenues": "-7.03",
"Premiums Earned, Net": "-3.64",
"Net Investment Income": "-0.396",
"Insurance Commissions and Fees": "0.525",
"ECR before LimitedLiability": "-4.67",
"Economic Capital Ratio": "-4.36"
},
"2012": {
"Other Liabilities": "4.77",
"Liabilities": "-5.05",
"Stockholders Equity": "-3.09",
"Separate Account, Liability": "-21.1",
"Liability for Future Policy Benefit": "-2.59",
"Debt Securities, Available-for-sale": "-11.0",
"Assets": "1.71",
"Other Assets": "-1.78",
"Mortgage Loans on Real Estate, Net": "-1.37",
"Separate Account, Assets": "7.56",
"Other Expenses": "1.96",
"Expenses": "3.35",
"ECR before LimitedLiability": "-4.13",
"Benefits": "3.26",
"Other Revenues": "-1.48",
"Revenues": "-5.95",
"Insurance Commissions and Fees": "0.593",
"Premiums Earned, Net": "-4.48",
"Net Investment Income": "-0.735",
"Economic Capital Ratio": "-3.95",
"Other Compr. Net Income": "-0.393"
},
"2013": {
"Separate Account, Liability": "-21.8",
"Liabilities": "-4.56",
"Stockholders Equity": "-2.43",
"Other Liabilities": "3.77",
"Liability for Future Policy Benefit": "-2.32",
"Debt Securities, Available-for-sale": "-11.1",
"Assets": "1.83",
"Separate Account, Assets": "6.99",
"Other Assets": "-2.57",
"Mortgage Loans on Real Estate, Net": "-1.48",
"Other Expenses": "1.83",
"Expenses": "2.02",
"Comprehensive Net Income": "0.236",
"Benefits": "1.89",
"Net Investment Income": "-0.905",
"Revenues": "-5.95",
"Other Revenues": "-1.37",
"Premiums Earned, Net": "-4.04",
"ECR before LimitedLiability": "-2.81",
"Other Compr. Net Income": "0.353",
"Economic Capital Ratio": "-2.65"
},
"2014": {
"Separate Account, Liability": "-21.0",
"Liabilities": "-4.46",
"Stockholders Equity": "-2.46",
"Other Liabilities": "4.02",
"Other Assets": "-0.217",
"Assets": "1.84",
"Separate Account, Assets": "7.16",
"Mortgage Loans on Real Estate, Net": "-1.51",
"Debt Securities, Available-for-sale": "-11.9",
"Other Expenses": "1.21",
"Expenses": "2.82",
"Net Income": "-0.342",
"Benefits": "2.76",
"Net Investment Income": "-0.880",
"Revenues": "-5.82",
"Other Revenues": "-0.986",
"Premiums Earned, Net": "-4.21",
"ECR before LimitedLiability": "-3.80",
"Comprehensive Net Income": "-0.581",
"Other Compr. Net Income": "-0.240",
"Economic Capital Ratio": "-3.57"
},
"2015": {
"Liability for Future Policy Benefit": "-2.00",
"Liabilities": "-4.55",
"Stockholders Equity": "-2.58",
"Other Liabilities": "3.04",
"Separate Account, Liability": "-18.9",
"Other Assets": "-0.480",
"Assets": "1.55",
"Separate Account, Assets": "5.47",
"Mortgage Loans on Real Estate, Net": "-1.24",
"Debt Securities, Available-for-sale": "-11.3",
"Benefits": "1.64",
"Expenses": "1.75",
"Net Income": "-0.317",
"Other Expenses": "1.51",
"Other Revenues": "-1.64",
"Revenues": "-5.96",
"Net Investment Income": "-0.460",
"Premiums Earned, Net": "-4.16",
"ECR before LimitedLiability": "-3.40",
"Economic Capital Ratio": "-3.18",
"Other Compr. Net Income": "0.204"
}
},
"strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_life/2015/plot_over_time/0000837010_strength_weakness.svg",
"table_records": {
"2011": {
"input_variables": {
"Benefits": "0",
"Debt Securities, Available-for-sale": "18,220,300",
"Insurance Commissions and Fees": "615,100",
"Liability for Future Policy Benefit": "23,062,300",
"Mortgage Loans on Real Estate, Net": "0",
"Net Investment Income": "1,420,900",
"Other Assets": "11,113,400",
"Other Compr. Net Income": "285,800",
"Other Expenses": "1,972,400",
"Other Liabilities": "1,983,700",
"Other Net Income": "0",
"Other Revenues": "239,100",
"Premiums Earned, Net": "33,900",
"Separate Account, Assets": "45,295,200",
"Separate Account, Liability": "45,295,200"
},
"output_variables": {
"Liabilities": "70,341,200",
"Assets": "74,628,900",
"Expenses": "1,972,400",
"Revenues": "2,309,000",
"Stockholders Equity": "4,287,700",
"Net Income": "336,600",
"Comprehensive Net Income": "622,400",
"BaseVar": "74,768,650",
"ECR before LimitedLiability": "3.8%",
"Economic Capital Ratio": "21%"
}
},
"2012": {
"input_variables": {
"Benefits": "0",
"Debt Securities, Available-for-sale": "142,800",
"Insurance Commissions and Fees": "648,800",
"Liability for Future Policy Benefit": "24,191,200",
"Mortgage Loans on Real Estate, Net": "0",
"Net Investment Income": "1,348,800",
"Other Assets": "30,073,700",
"Other Compr. Net Income": "275,500",
"Other Expenses": "1,993,000",
"Other Liabilities": "1,763,900",
"Other Net Income": "0",
"Other Revenues": "284,800",
"Premiums Earned, Net": "36,000",
"Separate Account, Assets": "53,655,300",
"Separate Account, Liability": "53,655,300"
},
"output_variables": {
"Liabilities": "79,610,400",
"Assets": "83,871,800",
"Expenses": "1,993,000",
"Revenues": "2,318,400",
"Stockholders Equity": "4,261,400",
"Net Income": "325,400",
"Comprehensive Net Income": "600,900",
"BaseVar": "84,034,550",
"ECR before LimitedLiability": "3.3%",
"Economic Capital Ratio": "20%"
}
},
"2013": {
"input_variables": {
"Benefits": "0",
"Debt Securities, Available-for-sale": "134,900",
"Insurance Commissions and Fees": "744,300",
"Liability for Future Policy Benefit": "24,589,600",
"Mortgage Loans on Real Estate, Net": "0",
"Net Investment Income": "1,367,000",
"Other Assets": "29,440,500",
"Other Compr. Net Income": "-527,600",
"Other Expenses": "1,963,200",
"Other Liabilities": "1,232,400",
"Other Net Income": "0",
"Other Revenues": "98,100",
"Premiums Earned, Net": "37,300",
"Separate Account, Assets": "60,104,900",
"Separate Account, Liability": "60,104,900"
},
"output_variables": {
"Liabilities": "85,926,900",
"Assets": "89,680,300",
"Expenses": "1,963,200",
"Revenues": "2,246,700",
"Stockholders Equity": "3,753,400",
"Net Income": "283,500",
"Comprehensive Net Income": "-244,100",
"BaseVar": "90,172,350",
"ECR before LimitedLiability": "1.9%",
"Economic Capital Ratio": "19%"
}
},
"2014": {
"input_variables": {
"Benefits": "0",
"Debt Securities, Available-for-sale": "121,900",
"Insurance Commissions and Fees": "784,100",
"Liability for Future Policy Benefit": "25,129,900",
"Mortgage Loans on Real Estate, Net": "0",
"Net Investment Income": "1,389,400",
"Other Assets": "30,871,500",
"Other Compr. Net Income": "346,100",
"Other Expenses": "2,140,300",
"Other Liabilities": "1,901,700",
"Other Net Income": "0",
"Other Revenues": "109,700",
"Premiums Earned, Net": "88,800",
"Separate Account, Assets": "62,808,100",
"Separate Account, Liability": "62,808,100"
},
"output_variables": {
"Liabilities": "89,839,700",
"Assets": "93,801,500",
"Expenses": "2,140,300",
"Revenues": "2,372,000",
"Stockholders Equity": "3,961,800",
"Net Income": "231,700",
"Comprehensive Net Income": "577,800",
"BaseVar": "94,249,800",
"ECR before LimitedLiability": "2.8%",
"Economic Capital Ratio": "20%"
}
},
"2015": {
"input_variables": {
"Benefits": "0",
"Debt Securities, Available-for-sale": "131,300",
"Insurance Commissions and Fees": "765,300",
"Liability for Future Policy Benefit": "27,068,000",
"Mortgage Loans on Real Estate, Net": "0",
"Net Investment Income": "1,409,800",
"Other Assets": "31,727,700",
"Other Compr. Net Income": "-454,700",
"Other Expenses": "2,609,900",
"Other Liabilities": "1,422,000",
"Other Net Income": "0",
"Other Revenues": "-49,100",
"Premiums Earned, Net": "657,100",
"Separate Account, Assets": "58,910,600",
"Separate Account, Liability": "58,910,600"
},
"output_variables": {
"Liabilities": "87,400,600",
"Assets": "90,769,600",
"Expenses": "2,609,900",
"Revenues": "2,783,100",
"Stockholders Equity": "3,369,000",
"Net Income": "173,200",
"Comprehensive Net Income": "-281,500",
"BaseVar": "92,008,950",
"ECR before LimitedLiability": "1.6%",
"Economic Capital Ratio": "18%"
}
}
},
"top_rated": false,
"trend": 4.0,
"value": 0.18477279466004465,
"company_index": "https://www.realrate-archive.com/us_life/2015/industry_indexes/0000837010.svg",
"analysing_equity": "https://www.realrate-archive.com/us_life/2015/analytics/equity/0000837010.svg",
"analysing_profit_loss": "https://www.realrate-archive.com/us_life/2015/analytics/profit_loss/0000837010.svg"
},
{
"company_id": "0000836658",
"feature_distribution_plot": "https://www.realrate-archive.com/us_life/2015/feature_distribution/feature_distribution_0000836658.svg",
"graph_url": "https://www.realrate-archive.com/us_life/2015/graphs/IME_0000836658.svg",
"logo_url": "https://www.realrate-archive.com/us_life/logos/0000836658.png",
"logo_url_256x256": "https://www.realrate-archive.com/us_life/logos/0000836658_256x256.png",
"main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_life/2015/plot_over_time/0000836658_main_keyfigs.svg",
"name": "Venerable Insurance Annuity Co",
"rank": 18,
"regression_plot": "https://www.realrate-archive.com/us_life/2015/backtesting_correlation/regression_0000836658.svg",
"report_text": "The relative strengths and weaknesses of Venerable Insurance Annuity Co are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of Venerable Insurance Annuity Co compared to the market average is the variable Other Liabilities, increasing the Economic Capital Ratio by 2.3% points.The greatest weakness of Venerable Insurance Annuity Co is the variable Debt Securities, Available-for-sale, reducing the Economic Capital Ratio by 11% points.
The company's Economic Capital Ratio, given in the ranking table, is 18%, being 3.2% points below the market average of 22%.",
"report_url": "https://www.realrate-archive.com/us_life/2015/report/0000836658_2016_Venerable_Insurance_Annuity_Co.pdf",
"shrinked_graph_json": {
"2011": {
"Separate Account, Liability": "-12.9",
"Liabilities": "-5.47",
"Stockholders Equity": "-3.90",
"Other Liabilities": "4.61",
"Liability for Future Policy Benefit": "-5.83",
"Debt Securities, Available-for-sale": "-3.55",
"Assets": "1.18",
"Separate Account, Assets": "5.15",
"Mortgage Loans on Real Estate, Net": "-1.21",
"Other Assets": "-5.46",
"Other Expenses": "1.89",
"Expenses": "4.02",
"Comprehensive Net Income": "0.505",
"Benefits": "3.94",
"Other Revenues": "-3.30",
"Revenues": "-5.91",
"Premiums Earned, Net": "-3.21",
"Net Investment Income": "-0.569",
"Insurance Commissions and Fees": "1.02",
"ECR before LimitedLiability": "-4.42",
"Economic Capital Ratio": "-4.11"
},
"2012": {
"Other Liabilities": "4.00",
"Liabilities": "-5.33",
"Stockholders Equity": "-2.95",
"Separate Account, Liability": "-14.6",
"Liability for Future Policy Benefit": "-5.74",
"Debt Securities, Available-for-sale": "-11.1",
"Assets": "2.18",
"Other Assets": "2.96",
"Mortgage Loans on Real Estate, Net": "-1.37",
"Separate Account, Assets": "4.73",
"Other Expenses": "2.52",
"Expenses": "3.11",
"Comprehensive Net Income": "-0.753",
"Benefits": "2.96",
"Other Revenues": "-3.38",
"Revenues": "-6.93",
"Insurance Commissions and Fees": "0.866",
"Premiums Earned, Net": "-3.99",
"Net Investment Income": "-0.673",
"ECR before LimitedLiability": "-4.44",
"Economic Capital Ratio": "-4.25"
},
"2013": {
"Separate Account, Liability": "-15.6",
"Liabilities": "-5.25",
"Stockholders Equity": "-1.99",
"Other Liabilities": "3.53",
"Liability for Future Policy Benefit": "-5.49",
"Debt Securities, Available-for-sale": "-10.8",
"Assets": "2.23",
"Separate Account, Assets": "4.57",
"Other Assets": "2.25",
"Mortgage Loans on Real Estate, Net": "-1.43",
"Other Expenses": "2.24",
"Expenses": "2.53",
"ECR before LimitedLiability": "-2.41",
"Benefits": "2.27",
"Net Investment Income": "-0.717",
"Revenues": "-7.46",
"Other Revenues": "-4.08",
"Premiums Earned, Net": "-3.45",
"Insurance Commissions and Fees": "0.463",
"Economic Capital Ratio": "-2.25",
"Other Compr. Net Income": "0.715"
},
"2014": {
"Separate Account, Liability": "-12.8",
"Liabilities": "-4.32",
"Stockholders Equity": "-2.20",
"Liability for Future Policy Benefit": "-4.11",
"Other Liabilities": "3.31",
"Other Assets": "2.86",
"Assets": "2.00",
"Separate Account, Assets": "3.88",
"Mortgage Loans on Real Estate, Net": "-1.51",
"Debt Securities, Available-for-sale": "-12.0",
"Other Expenses": "0.963",
"Expenses": "2.64",
"Net Income": "-0.613",
"Benefits": "2.58",
"Net Investment Income": "-0.692",
"Revenues": "-5.86",
"Other Revenues": "-2.03",
"Premiums Earned, Net": "-3.68",
"ECR before LimitedLiability": "-3.98",
"Comprehensive Net Income": "-1.04",
"Economic Capital Ratio": "-3.75"
},
"2015": {
"Liability for Future Policy Benefit": "-6.25",
"Liabilities": "-4.36",
"Stockholders Equity": "-2.51",
"Other Liabilities": "2.25",
"Separate Account, Liability": "-9.41",
"Other Assets": "2.16",
"Assets": "1.52",
"Separate Account, Assets": "2.24",
"Mortgage Loans on Real Estate, Net": "-1.24",
"Debt Securities, Available-for-sale": "-11.3",
"Benefits": "1.61",
"Expenses": "1.68",
"Net Income": "-0.540",
"Other Expenses": "1.02",
"Other Revenues": "-1.75",
"Revenues": "-5.75",
"Insurance Commissions and Fees": "0.269",
"Premiums Earned, Net": "-4.20",
"ECR before LimitedLiability": "-3.43",
"Economic Capital Ratio": "-3.21",
"Other Compr. Net Income": "0.307"
}
},
"strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_life/2015/plot_over_time/0000836658_strength_weakness.svg",
"table_records": {
"2011": {
"input_variables": {
"Benefits": "0",
"Debt Securities, Available-for-sale": "21,373,400",
"Insurance Commissions and Fees": "1,079,400",
"Liability for Future Policy Benefit": "27,970,200",
"Mortgage Loans on Real Estate, Net": "0",
"Net Investment Income": "1,409,300",
"Other Assets": "19,906,200",
"Other Compr. Net Income": "302,900",
"Other Expenses": "3,289,700",
"Other Liabilities": "8,323,400",
"Other Net Income": "0",
"Other Revenues": "742,800",
"Premiums Earned, Net": "456,200",
"Separate Account, Assets": "39,356,900",
"Separate Account, Liability": "39,356,900"
},
"output_variables": {
"Liabilities": "75,650,500",
"Assets": "80,636,500",
"Expenses": "3,289,700",
"Revenues": "3,687,700",
"Stockholders Equity": "4,986,000",
"Net Income": "398,000",
"Comprehensive Net Income": "700,900",
"BaseVar": "81,783,650",
"ECR before LimitedLiability": "4.1%",
"Economic Capital Ratio": "21%"
}
},
"2012": {
"input_variables": {
"Benefits": "0",
"Debt Securities, Available-for-sale": "29,800",
"Insurance Commissions and Fees": "810,900",
"Liability for Future Policy Benefit": "27,094,200",
"Mortgage Loans on Real Estate, Net": "0",
"Net Investment Income": "1,285,500",
"Other Assets": "37,721,100",
"Other Compr. Net Income": "389,100",
"Other Expenses": "1,393,000",
"Other Liabilities": "6,524,600",
"Other Net Income": "0",
"Other Revenues": "-1,339,400",
"Premiums Earned, Net": "459,000",
"Separate Account, Assets": "39,799,100",
"Separate Account, Liability": "39,799,100"
},
"output_variables": {
"Liabilities": "73,417,900",
"Assets": "77,550,000",
"Expenses": "1,393,000",
"Revenues": "1,216,000",
"Stockholders Equity": "4,132,100",
"Net Income": "-177,000",
"Comprehensive Net Income": "212,100",
"BaseVar": "76,983,000",
"ECR before LimitedLiability": "3.0%",
"Economic Capital Ratio": "20%"
}
},
"2013": {
"input_variables": {
"Benefits": "0",
"Debt Securities, Available-for-sale": "6,100",
"Insurance Commissions and Fees": "839,700",
"Liability for Future Policy Benefit": "25,412,800",
"Mortgage Loans on Real Estate, Net": "0",
"Net Investment Income": "1,267,200",
"Other Assets": "34,508,100",
"Other Compr. Net Income": "-153,000",
"Other Expenses": "374,100",
"Other Liabilities": "5,369,100",
"Other Net Income": "0",
"Other Revenues": "-2,186,000",
"Premiums Earned, Net": "436,300",
"Separate Account, Assets": "42,008,300",
"Separate Account, Liability": "42,008,300"
},
"output_variables": {
"Liabilities": "72,790,200",
"Assets": "76,522,500",
"Expenses": "374,100",
"Revenues": "357,200",
"Stockholders Equity": "3,732,300",
"Net Income": "-16,900",
"Comprehensive Net Income": "-169,900",
"BaseVar": "75,098,500",
"ECR before LimitedLiability": "2.3%",
"Economic Capital Ratio": "19%"
}
},
"2014": {
"input_variables": {
"Benefits": "0",
"Debt Securities, Available-for-sale": "6,700",
"Insurance Commissions and Fees": "824,800",
"Liability for Future Policy Benefit": "26,145,000",
"Mortgage Loans on Real Estate, Net": "0",
"Net Investment Income": "1,264,700",
"Other Assets": "36,902,800",
"Other Compr. Net Income": "127,800",
"Other Expenses": "1,907,900",
"Other Liabilities": "7,144,300",
"Other Net Income": "0",
"Other Revenues": "-744,300",
"Premiums Earned, Net": "537,800",
"Separate Account, Assets": "38,547,700",
"Separate Account, Liability": "38,547,700"
},
"output_variables": {
"Liabilities": "71,837,000",
"Assets": "75,457,200",
"Expenses": "1,907,900",
"Revenues": "1,883,000",
"Stockholders Equity": "3,620,200",
"Net Income": "-24,900",
"Comprehensive Net Income": "102,900",
"BaseVar": "75,606,450",
"ECR before LimitedLiability": "2.6%",
"Economic Capital Ratio": "19%"
}
},
"2015": {
"input_variables": {
"Benefits": "0",
"Debt Securities, Available-for-sale": "19,200",
"Insurance Commissions and Fees": "718,700",
"Liability for Future Policy Benefit": "27,749,800",
"Mortgage Loans on Real Estate, Net": "0",
"Net Investment Income": "1,305,500",
"Other Assets": "38,973,200",
"Other Compr. Net Income": "-289,400",
"Other Expenses": "2,443,200",
"Other Liabilities": "8,426,300",
"Other Net Income": "0",
"Other Revenues": "-111,900",
"Premiums Earned, Net": "505,800",
"Separate Account, Assets": "33,355,500",
"Separate Account, Liability": "33,355,500"
},
"output_variables": {
"Liabilities": "69,531,600",
"Assets": "72,347,900",
"Expenses": "2,443,200",
"Revenues": "2,418,100",
"Stockholders Equity": "2,816,300",
"Net Income": "-25,100",
"Comprehensive Net Income": "-314,500",
"BaseVar": "73,515,100",
"ECR before LimitedLiability": "1.5%",
"Economic Capital Ratio": "18%"
}
}
},
"top_rated": false,
"trend": 5.0,
"value": 0.18445013960903753,
"company_index": "https://www.realrate-archive.com/us_life/2015/industry_indexes/0000836658.svg",
"analysing_equity": "https://www.realrate-archive.com/us_life/2015/analytics/equity/0000836658.svg",
"analysing_profit_loss": "https://www.realrate-archive.com/us_life/2015/analytics/profit_loss/0000836658.svg"
},
{
"company_id": "0001039828",
"feature_distribution_plot": "https://www.realrate-archive.com/us_life/2015/feature_distribution/feature_distribution_0001039828.svg",
"graph_url": "https://www.realrate-archive.com/us_life/2015/graphs/IME_0001039828.svg",
"logo_url": "https://www.realrate-archive.com/us_life/logos/0001039828.svg",
"logo_url_256x256": "https://www.realrate-archive.com/us_life/logos/0001039828_256x256.png",
"main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_life/2015/plot_over_time/0001039828_main_keyfigs.svg",
"name": "American National Group Inc",
"rank": 19,
"regression_plot": "https://www.realrate-archive.com/us_life/2015/backtesting_correlation/regression_0001039828.svg",
"report_text": "The relative strengths and weaknesses of American National Group Inc are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of American National Group Inc compared to the market average is the variable Debt Securities, Available-for-sale, increasing the Economic Capital Ratio by 7.0% points.The greatest weakness of American National Group Inc is the variable Liability for Future Policy Benefit, reducing the Economic Capital Ratio by 39% points.
The company's Economic Capital Ratio, given in the ranking table, is 18%, being 3.3% points below the market average of 22%.",
"report_url": "https://www.realrate-archive.com/us_life/2015/report/0001039828_2016_American_National_Group_Inc.pdf",
"shrinked_graph_json": {
"2011": {
"Separate Account, Liability": "3.16",
"Liabilities": "-6.38",
"Stockholders Equity": "-4.69",
"Other Liabilities": "3.88",
"Liability for Future Policy Benefit": "-40.8",
"Debt Securities, Available-for-sale": "3.80",
"Assets": "1.29",
"Separate Account, Assets": "-8.36",
"Mortgage Loans on Real Estate, Net": "-1.25",
"Other Assets": "0.849",
"Other Expenses": "2.56",
"Expenses": "2.81",
"ECR before LimitedLiability": "-5.80",
"Benefits": "2.62",
"Other Revenues": "-4.45",
"Revenues": "-6.76",
"Premiums Earned, Net": "-3.75",
"Net Investment Income": "1.59",
"Insurance Commissions and Fees": "-0.273",
"Economic Capital Ratio": "-5.48",
"Other Compr. Net Income": "-0.251"
},
"2012": {
"Other Liabilities": "4.63",
"Liabilities": "-4.28",
"Stockholders Equity": "-3.27",
"Separate Account, Liability": "3.75",
"Liability for Future Policy Benefit": "-39.3",
"Debt Securities, Available-for-sale": "6.38",
"Assets": "0.742",
"Other Assets": "-6.76",
"Mortgage Loans on Real Estate, Net": "2.13",
"Separate Account, Assets": "-8.55",
"Other Expenses": "0.199",
"Expenses": "3.27",
"Comprehensive Net Income": "-0.258",
"Benefits": "3.26",
"Other Revenues": "-1.07",
"Revenues": "-4.61",
"Premiums Earned, Net": "-4.56",
"Net Investment Income": "1.20",
"ECR before LimitedLiability": "-4.13",
"Other Compr. Net Income": "-0.173",
"Economic Capital Ratio": "-3.94"
},
"2013": {
"Separate Account, Liability": "1.83",
"Liabilities": "-2.86",
"Stockholders Equity": "-3.01",
"Debt Securities, Available-for-sale": "4.51",
"Other Liabilities": "2.67",
"Liability for Future Policy Benefit": "-38.3",
"Other Expenses": "-1.51",
"Expenses": "0.823",
"Comprehensive Net Income": "-0.441",
"Benefits": "0.909",
"Net Investment Income": "0.778",
"Revenues": "-2.71",
"Other Revenues": "0.779",
"Premiums Earned, Net": "-4.24",
"Insurance Commissions and Fees": "-0.411",
"ECR before LimitedLiability": "-3.86",
"Separate Account, Assets": "-10.0",
"Other Assets": "-6.09",
"Mortgage Loans on Real Estate, Net": "0.785",
"Other Compr. Net Income": "-0.624",
"Economic Capital Ratio": "-3.70"
},
"2014": {
"Separate Account, Liability": "4.76",
"Liabilities": "-2.97",
"Stockholders Equity": "-2.22",
"Liability for Future Policy Benefit": "-36.6",
"Other Liabilities": "5.10",
"Other Assets": "-5.37",
"Assets": "0.563",
"Separate Account, Assets": "-9.29",
"Mortgage Loans on Real Estate, Net": "0.985",
"Debt Securities, Available-for-sale": "7.35",
"Other Expenses": "-0.877",
"Expenses": "3.83",
"Comprehensive Net Income": "0.540",
"Benefits": "4.19",
"Net Investment Income": "0.971",
"Revenues": "-3.83",
"Premiums Earned, Net": "-4.22",
"Insurance Commissions and Fees": "-0.459",
"ECR before LimitedLiability": "-2.34",
"Other Compr. Net Income": "0.856",
"Economic Capital Ratio": "-2.11"
},
"2015": {
"Liability for Future Policy Benefit": "-39.0",
"Liabilities": "-4.42",
"Stockholders Equity": "-2.48",
"Other Liabilities": "2.76",
"Separate Account, Liability": "2.48",
"Other Assets": "-6.46",
"Assets": "1.38",
"Separate Account, Assets": "-10.4",
"Mortgage Loans on Real Estate, Net": "1.18",
"Debt Securities, Available-for-sale": "7.01",
"Benefits": "1.48",
"Expenses": "1.62",
"Comprehensive Net Income": "-0.412",
"Other Expenses": "1.38",
"Other Revenues": "-2.27",
"Revenues": "-5.97",
"Insurance Commissions and Fees": "-0.439",
"Net Investment Income": "1.38",
"Premiums Earned, Net": "-4.77",
"ECR before LimitedLiability": "-3.57",
"Economic Capital Ratio": "-3.35"
}
},
"strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_life/2015/plot_over_time/0001039828_strength_weakness.svg",
"table_records": {
"2011": {
"input_variables": {
"Benefits": "7,870",
"Debt Securities, Available-for-sale": "18,526,954",
"Insurance Commissions and Fees": "0",
"Liability for Future Policy Benefit": "28,118,716",
"Mortgage Loans on Real Estate, Net": "0",
"Net Investment Income": "1,218,780",
"Other Assets": "12,347,765",
"Other Compr. Net Income": "0",
"Other Expenses": "1,045,657",
"Other Liabilities": "1,347,324",
"Other Net Income": "0",
"Other Revenues": "-91,156",
"Premiums Earned, Net": "12,151",
"Separate Account, Assets": "0",
"Separate Account, Liability": "0"
},
"output_variables": {
"Liabilities": "29,466,040",
"Assets": "30,874,719",
"Expenses": "1,053,527",
"Revenues": "1,139,775",
"Stockholders Equity": "1,408,679",
"Net Income": "86,248",
"Comprehensive Net Income": "86,248",
"BaseVar": "31,267,030",
"ECR before LimitedLiability": "2.6%",
"Economic Capital Ratio": "19%"
}
},
"2012": {
"input_variables": {
"Benefits": "8,075",
"Debt Securities, Available-for-sale": "24,225,558",
"Insurance Commissions and Fees": "0",
"Liability for Future Policy Benefit": "31,773,988",
"Mortgage Loans on Real Estate, Net": "2,623,940",
"Net Investment Income": "1,286,923",
"Other Assets": "8,283,980",
"Other Compr. Net Income": "201,387",
"Other Expenses": "1,494,494",
"Other Liabilities": "1,639,253",
"Other Net Income": "0",
"Other Revenues": "288,758",
"Premiums Earned, Net": "12,877",
"Separate Account, Assets": "0",
"Separate Account, Liability": "0"
},
"output_variables": {
"Liabilities": "33,413,241",
"Assets": "35,133,478",
"Expenses": "1,502,569",
"Revenues": "1,588,558",
"Stockholders Equity": "1,720,237",
"Net Income": "85,989",
"Comprehensive Net Income": "287,376",
"BaseVar": "35,919,616",
"ECR before LimitedLiability": "3.3%",
"Economic Capital Ratio": "20%"
}
},
"2013": {
"input_variables": {
"Benefits": "53,071",
"Debt Securities, Available-for-sale": "26,618,225",
"Insurance Commissions and Fees": "103,591",
"Liability for Future Policy Benefit": "35,789,655",
"Mortgage Loans on Real Estate, Net": "2,581,082",
"Net Investment Income": "1,383,927",
"Other Assets": "10,422,192",
"Other Compr. Net Income": "-640,611",
"Other Expenses": "2,304,338",
"Other Liabilities": "2,447,157",
"Other Net Income": "0",
"Other Revenues": "1,077,827",
"Premiums Earned, Net": "45,347",
"Separate Account, Assets": "0",
"Separate Account, Liability": "0"
},
"output_variables": {
"Liabilities": "38,236,812",
"Assets": "39,621,499",
"Expenses": "2,357,409",
"Revenues": "2,610,692",
"Stockholders Equity": "1,384,687",
"Net Income": "253,283",
"Comprehensive Net Income": "-387,328",
"BaseVar": "41,733,512",
"ECR before LimitedLiability": "0.78%",
"Economic Capital Ratio": "18%"
}
},
"2014": {
"input_variables": {
"Benefits": "41,815",
"Debt Securities, Available-for-sale": "32,453,007",
"Insurance Commissions and Fees": "118,990",
"Liability for Future Policy Benefit": "39,802,861",
"Mortgage Loans on Real Estate, Net": "2,434,580",
"Net Investment Income": "1,531,667",
"Other Assets": "9,102,147",
"Other Compr. Net Income": "675,205",
"Other Expenses": "2,001,135",
"Other Liabilities": "2,046,997",
"Other Net Income": "0",
"Other Revenues": "485,693",
"Premiums Earned, Net": "32,623",
"Separate Account, Assets": "0",
"Separate Account, Liability": "0"
},
"output_variables": {
"Liabilities": "41,849,858",
"Assets": "43,989,734",
"Expenses": "2,042,950",
"Revenues": "2,168,973",
"Stockholders Equity": "2,139,876",
"Net Income": "126,023",
"Comprehensive Net Income": "801,228",
"BaseVar": "45,363,360",
"ECR before LimitedLiability": "4.4%",
"Economic Capital Ratio": "21%"
}
},
"2015": {
"input_variables": {
"Benefits": "45,458",
"Debt Securities, Available-for-sale": "36,429,667",
"Insurance Commissions and Fees": "136,168",
"Liability for Future Policy Benefit": "45,495,431",
"Mortgage Loans on Real Estate, Net": "2,435,257",
"Net Investment Income": "1,692,192",
"Other Assets": "10,176,239",
"Other Compr. Net Income": "-519,738",
"Other Expenses": "1,253,649",
"Other Liabilities": "1,601,197",
"Other Net Income": "0",
"Other Revenues": "-345,471",
"Premiums Earned, Net": "36,048",
"Separate Account, Assets": "0",
"Separate Account, Liability": "0"
},
"output_variables": {
"Liabilities": "47,096,628",
"Assets": "49,041,163",
"Expenses": "1,299,107",
"Revenues": "1,518,937",
"Stockholders Equity": "1,944,535",
"Net Income": "219,830",
"Comprehensive Net Income": "-299,908",
"BaseVar": "49,737,786",
"ECR before LimitedLiability": "1.4%",
"Economic Capital Ratio": "18%"
}
}
},
"top_rated": false,
"trend": -3.0,
"value": 0.18306041745684196,
"company_index": "https://www.realrate-archive.com/us_life/2015/industry_indexes/0001039828.svg",
"analysing_equity": "https://www.realrate-archive.com/us_life/2015/analytics/equity/0001039828.svg",
"analysing_profit_loss": "https://www.realrate-archive.com/us_life/2015/analytics/profit_loss/0001039828.svg"
},
{
"company_id": "0000744455",
"feature_distribution_plot": "https://www.realrate-archive.com/us_life/2015/feature_distribution/feature_distribution_0000744455.svg",
"graph_url": "https://www.realrate-archive.com/us_life/2015/graphs/IME_0000744455.svg",
"logo_url": "https://www.realrate-archive.com/us_life/logos/0000744455.png",
"logo_url_256x256": "https://www.realrate-archive.com/us_life/logos/0000744455_256x256.png",
"main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_life/2015/plot_over_time/0000744455_main_keyfigs.svg",
"name": "Empower Annuity Insurance Co of America",
"rank": 20,
"regression_plot": "https://www.realrate-archive.com/us_life/2015/backtesting_correlation/regression_0000744455.svg",
"report_text": "The relative strengths and weaknesses of Empower Annuity Insurance Co of America are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of Empower Annuity Insurance Co of America compared to the market average is the variable Other Liabilities, increasing the Economic Capital Ratio by 2.7% points.The greatest weakness of Empower Annuity Insurance Co of America is the variable Liability for Future Policy Benefit, reducing the Economic Capital Ratio by 10% points.
The company's Economic Capital Ratio, given in the ranking table, is 18%, being 3.4% points below the market average of 22%.",
"report_url": "https://www.realrate-archive.com/us_life/2015/report/0000744455_2016_Empower_Annuity_Insurance_Co_of_America.pdf",
"shrinked_graph_json": {
"2011": {
"Separate Account, Liability": "-11.5",
"Liabilities": "-6.19",
"Stockholders Equity": "-4.94",
"Other Liabilities": "3.84",
"Liability for Future Policy Benefit": "-10.9",
"Debt Securities, Available-for-sale": "-0.427",
"Assets": "0.825",
"Separate Account, Assets": "3.67",
"Mortgage Loans on Real Estate, Net": "1.19",
"Other Assets": "-9.24",
"Other Expenses": "2.53",
"Expenses": "2.70",
"Net Income": "0.351",
"Benefits": "2.50",
"Other Revenues": "-2.00",
"Revenues": "-6.14",
"Premiums Earned, Net": "-2.84",
"Net Investment Income": "-2.25",
"Insurance Commissions and Fees": "0.708",
"ECR before LimitedLiability": "-5.85",
"Economic Capital Ratio": "-5.54"
},
"2012": {
"Other Liabilities": "4.21",
"Liabilities": "-4.72",
"Stockholders Equity": "-3.67",
"Separate Account, Liability": "-11.8",
"Liability for Future Policy Benefit": "-10.1",
"Debt Securities, Available-for-sale": "1.15",
"Assets": "0.767",
"Other Assets": "-9.98",
"Mortgage Loans on Real Estate, Net": "1.14",
"Separate Account, Assets": "3.81",
"Other Expenses": "2.77",
"Expenses": "2.83",
"ECR before LimitedLiability": "-4.60",
"Benefits": "2.47",
"Other Revenues": "0.519",
"Revenues": "-4.83",
"Insurance Commissions and Fees": "0.828",
"Premiums Earned, Net": "-3.92",
"Net Investment Income": "-2.29",
"Economic Capital Ratio": "-4.41",
"Other Compr. Net Income": "-0.423"
},
"2013": {
"Separate Account, Liability": "-11.7",
"Liabilities": "-4.18",
"Stockholders Equity": "-2.89",
"Other Liabilities": "3.26",
"Liability for Future Policy Benefit": "-10.6",
"Debt Securities, Available-for-sale": "1.34",
"Assets": "1.15",
"Separate Account, Assets": "2.70",
"Other Assets": "-10.1",
"Mortgage Loans on Real Estate, Net": "1.23",
"Other Expenses": "1.42",
"Expenses": "1.53",
"ECR before LimitedLiability": "-3.23",
"Benefits": "1.42",
"Net Investment Income": "-0.515",
"Revenues": "-4.87",
"Other Revenues": "-1.52",
"Premiums Earned, Net": "-3.40",
"Insurance Commissions and Fees": "0.460",
"Economic Capital Ratio": "-3.06",
"Other Compr. Net Income": "0.436"
},
"2014": {
"Separate Account, Liability": "-10.7",
"Liabilities": "-3.86",
"Assets": "0.872",
"Stockholders Equity": "-2.79",
"Liability for Future Policy Benefit": "-8.64",
"Other Liabilities": "3.95",
"Other Assets": "-8.38",
"Separate Account, Assets": "3.56",
"Mortgage Loans on Real Estate, Net": "1.15",
"Other Expenses": "1.80",
"Expenses": "2.82",
"Comprehensive Net Income": "-0.249",
"Benefits": "2.79",
"Net Investment Income": "-0.328",
"Revenues": "-4.35",
"Other Revenues": "-0.863",
"Premiums Earned, Net": "-3.69",
"Insurance Commissions and Fees": "0.479",
"ECR before LimitedLiability": "-3.73",
"Other Compr. Net Income": "-0.182",
"Economic Capital Ratio": "-3.50"
},
"2015": {
"Liability for Future Policy Benefit": "-10.3",
"Liabilities": "-3.97",
"Stockholders Equity": "-2.88",
"Other Liabilities": "2.70",
"Separate Account, Liability": "-9.12",
"Other Assets": "-9.33",
"Assets": "0.950",
"Separate Account, Assets": "2.02",
"Mortgage Loans on Real Estate, Net": "1.32",
"Debt Securities, Available-for-sale": "1.33",
"Benefits": "1.34",
"Expenses": "1.45",
"Comprehensive Net Income": "-0.109",
"Other Expenses": "1.33",
"Other Revenues": "-1.46",
"Revenues": "-4.66",
"Insurance Commissions and Fees": "0.897",
"Net Investment Income": "0.107",
"Premiums Earned, Net": "-4.21",
"ECR before LimitedLiability": "-3.63",
"Economic Capital Ratio": "-3.41"
}
},
"strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_life/2015/plot_over_time/0000744455_strength_weakness.svg",
"table_records": {
"2011": {
"input_variables": {
"Benefits": "1,174,916",
"Debt Securities, Available-for-sale": "16,589,783",
"Insurance Commissions and Fees": "486,795",
"Liability for Future Policy Benefit": "21,828,274",
"Mortgage Loans on Real Estate, Net": "2,513,087",
"Net Investment Income": "0",
"Other Assets": "6,901,782",
"Other Compr. Net Income": "0",
"Other Expenses": "803,981",
"Other Liabilities": "2,181,954",
"Other Net Income": "0",
"Other Revenues": "1,182,981",
"Premiums Earned, Net": "523,216",
"Separate Account, Assets": "22,331,391",
"Separate Account, Liability": "22,331,391"
},
"output_variables": {
"Liabilities": "46,341,619",
"Assets": "48,336,043",
"Expenses": "1,978,897",
"Revenues": "2,192,992",
"Stockholders Equity": "1,994,424",
"Net Income": "214,095",
"Comprehensive Net Income": "214,095",
"BaseVar": "49,424,776",
"ECR before LimitedLiability": "2.6%",
"Economic Capital Ratio": "19%"
}
},
"2012": {
"input_variables": {
"Benefits": "1,201,587",
"Debt Securities, Available-for-sale": "18,188,344",
"Insurance Commissions and Fees": "535,823",
"Liability for Future Policy Benefit": "23,480,618",
"Mortgage Loans on Real Estate, Net": "2,881,758",
"Net Investment Income": "0",
"Other Assets": "7,142,977",
"Other Compr. Net Income": "165,717",
"Other Expenses": "826,543",
"Other Liabilities": "2,596,164",
"Other Net Income": "0",
"Other Revenues": "1,308,268",
"Premiums Earned, Net": "422,153",
"Separate Account, Assets": "24,605,526",
"Separate Account, Liability": "24,605,526"
},
"output_variables": {
"Liabilities": "50,682,308",
"Assets": "52,818,605",
"Expenses": "2,028,130",
"Revenues": "2,266,244",
"Stockholders Equity": "2,136,297",
"Net Income": "238,114",
"Comprehensive Net Income": "403,831",
"BaseVar": "53,980,502",
"ECR before LimitedLiability": "2.8%",
"Economic Capital Ratio": "20%"
}
},
"2013": {
"input_variables": {
"Benefits": "1,156,282",
"Debt Securities, Available-for-sale": "18,469,544",
"Insurance Commissions and Fees": "618,244",
"Liability for Future Policy Benefit": "24,609,155",
"Mortgage Loans on Real Estate, Net": "3,134,255",
"Net Investment Income": "1,091,389",
"Other Assets": "7,088,824",
"Other Compr. Net Income": "-289,945",
"Other Expenses": "881,921",
"Other Liabilities": "2,207,736",
"Other Net Income": "0",
"Other Revenues": "-6,781",
"Premiums Earned, Net": "464,093",
"Separate Account, Assets": "26,630,904",
"Separate Account, Liability": "26,630,904"
},
"output_variables": {
"Liabilities": "53,447,795",
"Assets": "55,323,527",
"Expenses": "2,038,203",
"Revenues": "2,166,945",
"Stockholders Equity": "1,875,732",
"Net Income": "128,742",
"Comprehensive Net Income": "-161,203",
"BaseVar": "56,633,208",
"ECR before LimitedLiability": "1.4%",
"Economic Capital Ratio": "18%"
}
},
"2014": {
"input_variables": {
"Benefits": "1,218,820",
"Debt Securities, Available-for-sale": "20,162,078",
"Insurance Commissions and Fees": "729,179",
"Liability for Future Policy Benefit": "25,968,411",
"Mortgage Loans on Real Estate, Net": "3,363,570",
"Net Investment Income": "1,228,388",
"Other Assets": "7,103,727",
"Other Compr. Net Income": "257,264",
"Other Expenses": "1,022,650",
"Other Liabilities": "2,523,451",
"Other Net Income": "0",
"Other Revenues": "154,877",
"Premiums Earned, Net": "446,395",
"Separate Account, Assets": "27,718,844",
"Separate Account, Liability": "27,718,844"
},
"output_variables": {
"Liabilities": "56,210,706",
"Assets": "58,348,219",
"Expenses": "2,241,470",
"Revenues": "2,558,839",
"Stockholders Equity": "2,137,513",
"Net Income": "317,369",
"Comprehensive Net Income": "574,633",
"BaseVar": "59,808,249",
"ECR before LimitedLiability": "2.9%",
"Economic Capital Ratio": "20%"
}
},
"2015": {
"input_variables": {
"Benefits": "1,220,174",
"Debt Securities, Available-for-sale": "20,531,627",
"Insurance Commissions and Fees": "944,526",
"Liability for Future Policy Benefit": "27,110,981",
"Mortgage Loans on Real Estate, Net": "3,247,704",
"Net Investment Income": "1,254,430",
"Other Assets": "7,489,255",
"Other Compr. Net Income": "-468,104",
"Other Expenses": "1,232,626",
"Other Liabilities": "2,275,339",
"Other Net Income": "0",
"Other Revenues": "97,273",
"Premiums Earned, Net": "445,550",
"Separate Account, Assets": "26,631,193",
"Separate Account, Liability": "26,631,193"
},
"output_variables": {
"Liabilities": "56,017,513",
"Assets": "57,899,779",
"Expenses": "2,452,800",
"Revenues": "2,741,779",
"Stockholders Equity": "1,882,266",
"Net Income": "288,979",
"Comprehensive Net Income": "-179,125",
"BaseVar": "59,789,988",
"ECR before LimitedLiability": "1.3%",
"Economic Capital Ratio": "18%"
}
}
},
"top_rated": false,
"trend": 0.0,
"value": 0.18246693025088506,
"company_index": "https://www.realrate-archive.com/us_life/2015/industry_indexes/0000744455.svg",
"analysing_equity": "https://www.realrate-archive.com/us_life/2015/analytics/equity/0000744455.svg",
"analysing_profit_loss": "https://www.realrate-archive.com/us_life/2015/analytics/profit_loss/0000744455.svg"
},
{
"company_id": "0001522690",
"feature_distribution_plot": "https://www.realrate-archive.com/us_life/2015/feature_distribution/feature_distribution_0001522690.svg",
"graph_url": "https://www.realrate-archive.com/us_life/2015/graphs/IME_0001522690.svg",
"logo_url": "https://www.realrate-archive.com/us_life/logos/0001522690.png",
"logo_url_256x256": "https://www.realrate-archive.com/us_life/logos/0001522690_256x256.png",
"main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_life/2015/plot_over_time/0001522690_main_keyfigs.svg",
"name": "GWG Holdings Inc",
"rank": 21,
"regression_plot": "https://www.realrate-archive.com/us_life/2015/backtesting_correlation/regression_0001522690.svg",
"report_text": "The relative strengths and weaknesses of GWG Holdings Inc are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of GWG Holdings Inc compared to the market average is the variable Other Assets, increasing the Economic Capital Ratio by 12% points.The greatest weakness of GWG Holdings Inc is the variable Other Liabilities, reducing the Economic Capital Ratio by 32% points.
The company's Economic Capital Ratio, given in the ranking table, is 17%, being 4.6% points below the market average of 22%.",
"report_url": "https://www.realrate-archive.com/us_life/2015/report/0001522690_2016_GWG_Holdings_Inc.pdf",
"shrinked_graph_json": {
"2012": {
"Other Liabilities": "-26.1",
"Liabilities": "-0.558",
"Stockholders Equity": "-0.308",
"ECR before LimitedLiability": "-2.13",
"Separate Account, Liability": "5.56",
"Liability for Future Policy Benefit": "5.64",
"Debt Securities, Available-for-sale": "-11.0",
"Assets": "0.209",
"Other Assets": "14.4",
"Mortgage Loans on Real Estate, Net": "-1.36",
"Separate Account, Assets": "-8.33",
"Other Revenues": "5.27",
"Revenues": "-0.775",
"Net Income": "-0.802",
"Premiums Earned, Net": "-4.60",
"Net Investment Income": "-2.28",
"Other Compr. Net Income": "-0.720",
"Comprehensive Net Income": "-1.51",
"Other Expenses": "-4.40",
"Benefits": "4.84",
"Economic Capital Ratio": "-1.94"
},
"2013": {
"Debt Securities, Available-for-sale": "-11.4",
"Assets": "-1.62",
"Separate Account, Liability": "4.14",
"Stockholders Equity": "-1.42",
"Separate Account, Assets": "-9.62",
"Other Assets": "12.9",
"Mortgage Loans on Real Estate, Net": "-1.53",
"Other Expenses": "-6.86",
"Expenses": "-2.76",
"Net Income": "-0.519",
"Benefits": "3.44",
"Net Investment Income": "-2.49",
"Revenues": "2.34",
"Other Revenues": "3.91",
"Premiums Earned, Net": "-4.30",
"Insurance Commissions and Fees": "-0.667",
"ECR before LimitedLiability": "-1.21",
"Other Liabilities": "-26.5",
"Liability for Future Policy Benefit": "4.04",
"Economic Capital Ratio": "-1.05",
"Other Compr. Net Income": "0.998"
},
"2015": {
"Liability for Future Policy Benefit": "1.53",
"Liabilities": "-1.16",
"Stockholders Equity": "-2.81",
"Other Liabilities": "-32.4",
"Separate Account, Liability": "1.66",
"Other Assets": "11.7",
"Assets": "-1.67",
"Separate Account, Assets": "-11.4",
"Mortgage Loans on Real Estate, Net": "-1.38",
"Debt Securities, Available-for-sale": "-12.4",
"Benefits": "0.397",
"Expenses": "-2.15",
"Net Income": "-2.39",
"Other Expenses": "-6.74",
"ECR before LimitedLiability": "-4.77",
"Insurance Commissions and Fees": "-0.782",
"Comprehensive Net Income": "-1.65",
"Other Revenues": "0.795",
"Net Investment Income": "-2.16",
"Premiums Earned, Net": "-5.30",
"Economic Capital Ratio": "-4.55"
}
},
"strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_life/2015/plot_over_time/0001522690_strength_weakness.svg",
"table_records": {
"2012": {
"input_variables": {
"Benefits": "0",
"Debt Securities, Available-for-sale": "0",
"Insurance Commissions and Fees": "0",
"Liability for Future Policy Benefit": "0",
"Mortgage Loans on Real Estate, Net": "0",
"Net Investment Income": "0",
"Other Assets": "197,948",
"Other Compr. Net Income": "0",
"Other Expenses": "18,539",
"Other Liabilities": "175,304",
"Other Net Income": "0",
"Other Revenues": "17,526",
"Premiums Earned, Net": "0",
"Separate Account, Assets": "0",
"Separate Account, Liability": "0"
},
"output_variables": {
"Liabilities": "175,304",
"Assets": "197,948",
"Expenses": "18,539",
"Revenues": "17,526",
"Stockholders Equity": "22,644",
"Net Income": "-1,013",
"Comprehensive Net Income": "-1,013",
"BaseVar": "204,658",
"ECR before LimitedLiability": "5.5%",
"Economic Capital Ratio": "22%"
}
},
"2013": {
"input_variables": {
"Benefits": "0",
"Debt Securities, Available-for-sale": "0",
"Insurance Commissions and Fees": "0",
"Liability for Future Policy Benefit": "0",
"Mortgage Loans on Real Estate, Net": "0",
"Net Investment Income": "0",
"Other Assets": "275,380",
"Other Compr. Net Income": "0",
"Other Expenses": "33,260",
"Other Liabilities": "256,150",
"Other Net Income": "0",
"Other Revenues": "33,065",
"Premiums Earned, Net": "0",
"Separate Account, Assets": "0",
"Separate Account, Liability": "0"
},
"output_variables": {
"Liabilities": "256,150",
"Assets": "275,380",
"Expenses": "33,260",
"Revenues": "33,065",
"Stockholders Equity": "19,231",
"Net Income": "-195",
"Comprehensive Net Income": "-195",
"BaseVar": "298,927",
"ECR before LimitedLiability": "3.5%",
"Economic Capital Ratio": "20%"
}
},
"2015": {
"input_variables": {
"Benefits": "0",
"Debt Securities, Available-for-sale": "0",
"Insurance Commissions and Fees": "0",
"Liability for Future Policy Benefit": "0",
"Mortgage Loans on Real Estate, Net": "0",
"Net Investment Income": "0",
"Other Assets": "398,166",
"Other Compr. Net Income": "0",
"Other Expenses": "47,026",
"Other Liabilities": "382,005",
"Other Net Income": "0",
"Other Revenues": "39,632",
"Premiums Earned, Net": "0",
"Separate Account, Assets": "0",
"Separate Account, Liability": "0"
},
"output_variables": {
"Liabilities": "382,005",
"Assets": "398,166",
"Expenses": "47,026",
"Revenues": "39,632",
"Stockholders Equity": "16,160",
"Net Income": "-7,393",
"Comprehensive Net Income": "-7,393",
"BaseVar": "433,414",
"ECR before LimitedLiability": "0.18%",
"Economic Capital Ratio": "17%"
}
}
},
"top_rated": false,
"trend": null,
"value": 0.17101493954562402,
"company_index": "https://www.realrate-archive.com/us_life/2015/industry_indexes/0001522690.svg",
"analysing_equity": "https://www.realrate-archive.com/us_life/2015/analytics/equity/0001522690.svg",
"analysing_profit_loss": "https://www.realrate-archive.com/us_life/2015/analytics/profit_loss/0001522690.svg"
},
{
"company_id": "0001129633",
"feature_distribution_plot": "https://www.realrate-archive.com/us_life/2015/feature_distribution/feature_distribution_0001129633.svg",
"graph_url": "https://www.realrate-archive.com/us_life/2015/graphs/IME_0001129633.svg",
"logo_url": "https://www.realrate-archive.com/us_life/logos/0000000000.png",
"logo_url_256x256": "https://www.realrate-archive.com/us_life/logos/0000000000_256x256.png",
"main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_life/2015/plot_over_time/0001129633_main_keyfigs.svg",
"name": "Phoenix Companies INC DE",
"rank": 22,
"regression_plot": "https://www.realrate-archive.com/us_life/2015/backtesting_correlation/regression_0001129633.svg",
"report_text": "The relative strengths and weaknesses of Phoenix Companies INC DE are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of Phoenix Companies INC DE compared to the market average is the variable Debt Securities, Available-for-sale, increasing the Economic Capital Ratio by 2.1% points.The greatest weakness of Phoenix Companies INC DE is the variable Liability for Future Policy Benefit, reducing the Economic Capital Ratio by 15% points.
The company's Economic Capital Ratio, given in the ranking table, is 17%, being 4.7% points below the market average of 22%.",
"report_url": "https://www.realrate-archive.com/us_life/2015/report/0001129633_2016_Phoenix_Companies_INC_DE.pdf",
"shrinked_graph_json": {
"2013": {
"Separate Account, Liability": "1.76",
"Liabilities": "-2.63",
"Stockholders Equity": "-3.37",
"Other Liabilities": "2.10",
"Liability for Future Policy Benefit": "-16.6",
"Debt Securities, Available-for-sale": "2.81",
"Assets": "-0.867",
"Separate Account, Assets": "-4.37",
"Other Assets": "-4.95",
"Mortgage Loans on Real Estate, Net": "-1.56",
"Other Expenses": "1.20",
"Expenses": "1.10",
"Comprehensive Net Income": "0.852",
"Net Investment Income": "1.03",
"Revenues": "-1.52",
"Other Revenues": "1.02",
"Premiums Earned, Net": "-2.82",
"Insurance Commissions and Fees": "-0.665",
"ECR before LimitedLiability": "-2.97",
"Other Compr. Net Income": "1.29",
"Economic Capital Ratio": "-2.81"
},
"2014": {
"Separate Account, Liability": "0.407",
"Liabilities": "-2.43",
"Stockholders Equity": "-3.75",
"Liability for Future Policy Benefit": "-14.1",
"Other Liabilities": "0.246",
"Other Assets": "-3.69",
"Assets": "-1.05",
"Separate Account, Assets": "-5.57",
"Mortgage Loans on Real Estate, Net": "-1.35",
"Debt Securities, Available-for-sale": "1.58",
"Expenses": "0",
"Net Income": "-1.21",
"Net Investment Income": "0.0245",
"Revenues": "-1.49",
"Other Revenues": "0.0195",
"Premiums Earned, Net": "-2.99",
"Insurance Commissions and Fees": "-0.403",
"ECR before LimitedLiability": "-6.52",
"Comprehensive Net Income": "-2.08",
"Other Compr. Net Income": "-0.499",
"Economic Capital Ratio": "-6.29"
},
"2015": {
"Liability for Future Policy Benefit": "-15.2",
"Liabilities": "-2.77",
"Stockholders Equity": "-3.91",
"Other Liabilities": "0.155",
"Separate Account, Liability": "0.623",
"Other Assets": "-3.82",
"Assets": "-0.916",
"Separate Account, Assets": "-7.01",
"Mortgage Loans on Real Estate, Net": "-0.998",
"Debt Securities, Available-for-sale": "2.13",
"Other Revenues": "0.0761",
"Revenues": "-1.69",
"Net Income": "-0.774",
"Benefits": "-0.353",
"Insurance Commissions and Fees": "-0.397",
"Net Investment Income": "0.0374",
"Premiums Earned, Net": "-4.86",
"ECR before LimitedLiability": "-4.95",
"Comprehensive Net Income": "-0.206",
"Other Expenses": "0.0382",
"Economic Capital Ratio": "-4.73"
}
},
"strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_life/2015/plot_over_time/0001129633_strength_weakness.svg",
"table_records": {
"2013": {
"input_variables": {
"Benefits": "1,026,500",
"Debt Securities, Available-for-sale": "11,870,400",
"Insurance Commissions and Fees": "0",
"Liability for Future Policy Benefit": "12,437,600",
"Mortgage Loans on Real Estate, Net": "0",
"Net Investment Income": "787,200",
"Other Assets": "6,351,900",
"Other Compr. Net Income": "64,100",
"Other Expenses": "677,500",
"Other Liabilities": "5,201,000",
"Other Net Income": "-2,600",
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