Insurance Company Credit Rating Methodology

Insurance Company Credit Rating Methodology

Gurdip provides an insight into the general approach taken by agencies for rating insurance companies. Each of Moody’s, S&P and Fitch assess the operating environment, business profile and financial profile of insurance companies by scoring and then combining credit factors to arrive at a standalone rating.
Overview

Each of Moody’s, S&P and Fitch assess the operating environment, business profile and financial profile of insurance companies by scoring and then combining credit factors to arrive at a standalone rating. Furthermore all three agencies use peer group analysis as a check on their final rating.

Key learning objectives:

  • Identify the different methodologies used by the three rating agencies

  • What are the three types of credit factors used in rating methodologies?

  • What is an IICRA score?

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Summary
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Expert
Gurdip Dhami

Gurdip Dhami

Gurdip has 25 years of experience in the financial services industry. He has had roles in corporate treasury, risk management, debt capital markets, debt advisory, ratings advisory and financial reporting. During this time, Gurdip has worked at Standard Chartered Bank, JPMorgan and RBS. He is currently a Non Executive Director, writer and trainer.

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