ALDOI - Statewide Industry Averages

Statewide Industry Averages

The following statewide averages and charts indicating the number of reporting companies whose ratios fall within various ranges are for informational purposes only and do not represent standards for market behavior. This information does not establish compliance or non-compliance with the Alabama Insurance Code, Directives, Rules, Regulations, or Bulletins.

In order to compare your Company’s results to these statewide average ratios, you can obtain the ratios based on your Company’s MCAS data from the database that was used for the MCAS filing process. Along with statewide average ratios for each category, a chart indicating the number of reporting companies whose ratios fall within various ranges is also presented to show how your company’s results compare with the other reporting companies in the state of Alabama. Comparing your company’s results in this way should enable you to draw some comparison between your company’s performance and the aggregate market in Alabama.

Property and Casualty

Private Passenger Automobile	2008	2009	2010
Homeowner	2008	2009	2010
Life and Annuity
Schedule 1. Individual Life Cash Value Products - Includes VL, UL, VUL, Whole Life & Equity Index Life.	2008	2009	2010
Schedule 2. Individual Life Non-Cash Value Products – Term.	2008	2009	2010
Schedule 3. Group Life Products (Cash & Non-Cash Value) – Includes UL, VL, VUL, Whole Life, Equity Index Life & Term.	2008	2009
Schedule 4. Individual Fixed Annuities – Includes Equity Index Annuity Products.	2008	2009	2010
Schedule 5. Individual Variable Annuities.	2008	2009	2010