Adam Hayes, Ph.D., CFA, is a financial writer with 15+ years Wall Street experience as a derivatives trader. Besides his extensive derivative trading expertise, Adam is an expert in economics and ...

Loss and combined ratios measure an insurer's profitability. Loss ratio compares losses to collected premiums. Combined ratio includes both losses and expenses. Ratios below 100% indicate ...

Insurance companies must save a certain percentage of the premiums they receive to pay for claims. The amount set aside, the reserves, must be enough should a large group of policyholders experience a ...

Banks and credit unions are in the business of lending money to individuals, families and businesses. But not every loan is repaid in full; in fact, many banks lend to risky borrowers by charging high ...

Medical Loss Ratio Reform Can Help Curb Corporate Power and Lower Health Care Costs The medical loss ratio was designed to safeguard consumers by limiting insurer profits, but consolidation and ...