Life and Health Insurance Policies

Insurance policies: life, health, and liability, which type is the riskiest for insurance companies?

What types are the safest? Im trying to learn as much as possible about insurance company stocks.

Public Comments

1. I think .... Health is the riskiest. Its very specific in terms of terminal illness and inability to work due to mental, physical illness. In most policies I think health is. Life is cut and dry- once your dead. Liability is more about legalities and been wrongful....
2. well, health!! Because you're MOST likely to have claims!!! Liability is second, because if you do get a claim, it's likely to be large, and life is the lowest risk, because most people don't keep the policy active long enough for them to die - ie, they pay for a few years, then let it cancel.
3. Good question. Life Insurance is not too risky, consider; people are living longer, therefore, people are making premium payments longer and it's a defined risk. (the death benefit) As opposed to say, Long-Term care insurance where people are living longer in nursing homes, and it's more of an un-defined risk eg; if the company pays $300 per day and they live the nat'l average of 30 months, but suppose they live 14 more years...? This is why companies are leaving this market, as premium payments are extremely high and it is generally not profitable.