Disability insurance overview.
In summary, I think the industry is doing the right things to return to profitability. Rates are increasing, underwriting and products are tightening, claim administration is becoming more proactive, and reserves are being strengthened. I think this will lead to future profitability, and future profitability will attract some new companies into the marketplace. The real long-term question is, once profitability has returned, will the industry shoot itself in the foot again in its efforts to do competitive battle?
Actuarial Analysis↗