Pet · How pricing works
MetLife files two different pet wellness products: the $125–$575 scheduled tiers you can buy online, and a richer "standard preventive care" plan sold only through an agent, priced like real insurance instead of a coupon book. The filings show exactly what ticking that box does to your premium — including a 21–31% multiplier on the sick-care premium itself.
Sep 1 · 1,171 words
Home · Industry data
PURE's own homeowners rate filings assume 45% of premium comes back as claims. Chubb files 59%, Cincinnati 58%, the market 58%. Its annual statement shows where the difference goes: 40.2 cents of every premium dollar to underwriting expense, against 24.8 at Chubb and 30.9 at Cincinnati — and five straight years of underwriting losses anyway.
Aug 7 · 2,248 words
Industry data
Comprehensive health returns 91% of every premium dollar as claims. Mortgage insurance and earthquake cover return single digits. The same measure, run across every line of insurance sold in America, over eight years of experience.
Aug 7 · 3,333 words
