An Outlook for a specific market segment within a geographic region indicates the potential future direction of the aggregate company ratings within that market segment over the next six to 18 months. Outlooks typically are reviewed annually; however, they can be revisited at any time during the year, depending on financial and market conditions.
A market segment outlook reflects a variety of factors, and A.M. Best's assessment of how these factors will affect company ratings within a particular market segment over the next six to 18 months. The key items considered include, but are not limited to: aggregate financial trends within the segment; current and forecasted economic conditions; the current regulatory environment and any pending changes; emerging product developments; and competitive issues.
Like a company's Best's Credit Rating Outlook, a Best's Market Segment Outlook can be positive, negative or stable.
Below are the Outlooks for specific market segments and links to additional information.
|Market Segment||Outlook||Special Report||Press Release||Video|
|U.S. Life & Annuity||Negative|
|U.S. Property/Casualty, Commercial Lines||Negative|
|U.S. Property/Casualty, Personal Lines||Stable|
|U.S. Life Reinsurance||Stable|