November 13, 2026

A PolicyRix Team analysis of nine insurers' third-quarter 2026 results finds headline net income ranged from a loss to more than four times operating earnings, mostly because of investment gains and losses, which is why the two profit numbers should be read together.

A PolicyRix Team analysis of six Indian insurers' September-quarter FY27 results finds the two health specialists made underwriting profits with ratios of 93.2% and 98.0%, while general insurers ran near or above 100% after floods and relied on investment income for their profits.

A PolicyRix Team analysis of three Florida-focused home insurers finds third-quarter 2026 underwriting margins of 9 to 41 points and returns on equity above 30%, with cheaper reinsurance and a quiet season behind them, while the evidence that customers are paying less is still limited.

Allianz reported a record nine-month 2026 operating profit of EUR 14.1 billion, up 7.8%, and raised the top of its full-year outlook to about EUR 18.6 billion, even as third-quarter natural catastrophe claims of EUR 1.07 billion pushed the property and casualty combined ratio to 93.8%.

Aviva reported nine-month 2026 general insurance premiums of GBP 11.8 billion, up 19%, as the Direct Line acquisition lifted UK and Ireland personal lines by 54%, while UK commercial premiums fell 5% and the solvency cover ratio rose to an estimated 179%.

APRA's November 2026 System Risk Outlook says Australia's financial system is strong but names bond markets, AI-driven cyber threats, reliance on overseas service providers and private credit as key risks, with national home prices down about 6% since March and household debt near 180% of income.