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The Premium Report on Direct Life, Health, and Medical Insurance Carriers contains information used by Marketing Departments in many of the Fortune 1,000 companies and beyond. The report helps identify industry changes, trends, key players, and growth opportunities.

Contents:
Current State of the Industry
Market Size
Market Forecast
Products and Services Breakdown
Financial Statements - Income Statement
Salary & Compensation Statistics
Key Companies
Public Company News
Largest Government Vendors

Current State of the Direct Life, Health, and Medical Insurance Carriers Industry

This section provides answers to five fundamental and commonly-asked questions about the industry:

1. What is the total market size ($ millions)?
2. How much has the market grown or declined?
3. Are long term forecasts positive or negative?
4. How large is the average company?
5. How many companies are in the industry?

Market Size - Direct Life, Health, and Medical Insurance Carriers

The total U.S. market size for the Direct Life, Health, and Medical Insurance Carriers industry includes all companies, both public and private. In addition to total revenue, the table contains details on employees, companies, and average firm size.

Metrics	2004        2005        2006        2007        2008        2009
Market Size (Total Industry Sales)		Available Included with Instant Access Order at top of page
Total Firms
Total Locations (Headquarters and Branches)
Total Employees
Average Revenue Per Firm
Average Employees Per Firm

Source: Analysis of US Census data, updated June 8 2010

Charts and graphs can be copied to Microsoft Word and Powerpoint presentations.

Market Forecast - Direct Life, Health, and Medical Insurance Carriers

Market forecasts show the long term outlook for the Direct Life, Health, and Medical Insurance Carriers industry. The following five-year forecast utilizes advanced econometric techniques that take into account both short-term and long-term industry trends.

Forecast	2009	2010	2011	2012	2013	2014
Revenue ($ billion)	AVAILABLE

Source: AnythingResearch.com Economic Analysis

Product & Services Breakdown

The following products and services account for the largest source of revenues in the Direct Life, Health, and Medical Insurance Carriers industry. Note that there are multiple levels of classification, so some line items are contained within other lines.

Product Description	Number of Companies	Sales ($ millions)	Percent of Total Sales
Industry Total	AVAILABLE
Trading Debt Instruments On Own Account - Net Gains (Losses)	AVAILABLE
Trading Equities On Own Account - Net Gains (Losses)	AVAILABLE
Trading Derivative Contracts On Own Account - Net Gains (Losses)	AVAILABLE
Trading Other Scrty & Comdty Contr On Own Acct - Net Gains (Losses)	AVAILABLE
Life Insurance Products - Premiums	AVAILABLE
Individual Term Life - Premiums	AVAILABLE
Individual Whole Life - Premiums	AVAILABLE
Individual Universal Life - Premiums	AVAILABLE
Group Life - Premiums	AVAILABLE
Annuity Products	AVAILABLE
Variable Deferred Annuities	AVAILABLE
Fixed Rate Deferred Annuities	AVAILABLE
Immediate Annuities	AVAILABLE
Health And Medical Insurance Products - Premiums	AVAILABLE
Comprehensive Medical Service Plans	AVAILABLE
Indiv Serv Med Cov Plans (Incl Supp Medicare, Champus, & Oth)	AVAILABLE
Other Health And Medical Insurance Products	AVAILABLE
Accident Insurance Products - Premiums	AVAILABLE
Surety And Related Products - Premiums	AVAILABLE
Vehicle Prop & Liability (Casualty) Insurance Products - Premiums	AVAILABLE
Property & Liability (Exc Vehicle) Insurance Products - Premiums	AVAILABLE
Other General Liability Insurance Products - Premiums	AVAILABLE
All Other Direct Insurance Products - Premiums	AVAILABLE
Life & Health Ins And Annuity Reinsurance Products - Premiums	AVAILABLE
Property And Casualty Reinsurance Products - Premiums	AVAILABLE
Other Products Related To Insurance	AVAILABLE
Other Products	AVAILABLE

Income Statement (Average Financial Metrics) - Direct Life, Health, and Medical Insurance Carriers

Financial metrics provide a snapshot view of an "average" company in the Direct Life, Health, and Medical Insurance Carriers industry. Key business metrics show revenue and operating costs. The data collected is industry-wide, covering both public and private companies in the industry.

	Industry Average	Percent of Sales
Total Revenue	AVAILABLE Included in Report Order at top of page
Operating Revenue
Cost of Goods Sold
Gross Profit
Operating Expenses
Pension, profit sharing plans, stock, annuity
Repairs
Rent paid on business property
Charitable Contributions
Depletion
Domestic production activities deduction
Advertising
Compensation of officers
Salaries and wages
Employee benefit programs
Taxes and Licenses
Bad Debts
Depreciation
Amortization
Other Operating Expenses
Total Operating Expenses
Operating Income
Non-Operating Income
EBIT (Earnings Before Interest and Taxes)
Interest Expense
Earnings Before Taxes
Income Tax
Net Profit

Source: Analysis of U.S. federal statistics

Financial Ratio Analysis - Direct Life, Health, and Medical Insurance Carriers

Financial ratios can be used to compare how a company in the Direct Life, Health, and Medical Insurance Carriers industry is performing relative to its peers. Financial ratios are calculated from the industry-average for income statements and balance sheets.

Liquidity Ratios - Direct Life, Health, and Medical Insurance Carriers Industry	Industry Average
Liquidity Ratios measure how liquid a business is. Bankers and suppliers may use these to determine creditworthiness and identify potential threats to a company's financial viability.
Current Ratio Measures a firm's ability to pay its debts over the next 12 months.	Included
Quick Ratio (Acid Test) Calculates liquid assets relative to liabilities, excluding inventories.	Included

Efficiency Ratios - Direct Life, Health, and Medical Insurance Carriers Industry	Industry Average
Efficiency Ratios measure how quickly products and services sell, and effectively collections policies are implemented.
Receivables Turnover Ratio If this number is low compared to the industry average, it may mean your payment terms are too lenient or that you are not doing a good enough job on collections.	Included
Average Collection Period Based on the Receivables Turnover Ratio, this estimates the collection period in days. Calculated as 365 divided by the Receivables Turnover Ratio	Included
Inventory Turnover Ratio A low turnover rate may point to overstocking, obsolescence, or deficiencies in the product line or marketing effort.	Included
Fixed-Asset Turnover Ratio Generally, a higher ratio is better, since it indicates the business has less money tied up in fixed assets for each dollar of sales revenue.	Included

Geographic Distribution

The concentration of employees by states indicates how the industry (companies and workforce) is distributed throughout the country.

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Move mouse over states to see employment numbers
Note: Round numbers are estimates. Precise numbers are actuals.

Source: US Census

Compensation & Salary Surveys for Employees Working in Direct Life, Health, and Medical Insurance Carriers

Compensation statistics provides an accurate assessment of jobs in the Direct Life, Health, and Medical Insurance Carriers industry and national salary averages. This information can be used to asses which positions are most common, and high, low, and average annual wages.

Title	Percent of Workforce	Bottom Quartile	Average (Median) Salary	Upper Quartile
Management occupations	8%	AVAILABLE Included in Report Order at top of page
Chief executives	0%
General and operations managers	2%
Business and financial operations occupations	28%
Claims adjusters, examiners, and investigators	10%
Insurance underwriters	5%
Computer and mathematical science occupations	10%
Sales and related occupations	9%
Insurance sales agents	6%
Office and administrative support occupations	38%
Customer service representatives	11%
Insurance claims and policy processing clerks	9%

Source: Bureau of Labor Statistics

Companies in Direct Life, Health, and Medical Insurance Carriers and Adjacent Industries

Company	Address	Key Contact
AVAILABLE	AVAILABLE	AVAILABLE

Public Direct Life, Health, and Medical Insurance Carriers Company News

Web scan for recent news about publicly traded companies in the Direct Life, Health, and Medical Insurance Carriers industry.

Government Contracts Related to Direct Life, Health, and Medical Insurance Carriers

In 2008, the federal government spent a total of $340,367,115 on Direct Life, Health, and Medical Insurance Carriers. It has awarded 318 contracts to 47 companies, with an average value of $7,241,854 per company.   

Top government vendors:

Company	Federal Contracts	Total Award Amount
AVAILABLE	AVAILABLE	AVAILABLE

The Industry Report on Direct Life, Health, and Medical Insurance Carriers contains the key pieces of information used by strategy and management consultants to identify market trends and accurately measure growth and industry performance.

Contents:
Current State of the Industry
Market Size
Financial Statements - Income Statement
Salary & Compensation Statistics
Key Companies
Public Company News

Current State of the Direct Life, Health, and Medical Insurance Carriers Industry

This section provides answers to five fundamental and commonly-asked questions about the industry:

1. What is the total market size ($ millions)?
2. How much has the market grown or declined?
3. Are long term forecasts positive or negative?
4. How large is the average company?
5. How many companies are in the industry?

Market Size - Direct Life, Health, and Medical Insurance Carriers

The total U.S. market size for the Direct Life, Health, and Medical Insurance Carriers industry includes all companies, both public and private. In addition to total revenue, the table contains details on employees, companies, and average firm size.

Metrics	2004        2005        2006        2007        2008        2009
Market Size (Total Industry Sales)		Available Included with Instant Access Order at top of page
Total Firms
Total Locations (Headquarters and Branches)
Total Employees
Average Revenue Per Firm
Average Employees Per Firm

Source: Analysis of US Census data, updated June 8 2010

Charts and graphs can be copied to Microsoft Word and Powerpoint presentations.

Income Statement (Average Financial Metrics) - Direct Life, Health, and Medical Insurance Carriers

Financial metrics provide a snapshot view of an "average" company in the Direct Life, Health, and Medical Insurance Carriers industry. Key business metrics show revenue and operating costs. The data collected is industry-wide, covering both public and private companies in the industry.

	Industry Average	Percent of Sales
Total Revenue	AVAILABLE Included in Report Order at top of page
Operating Revenue
Cost of Goods Sold
Gross Profit
Operating Expenses
Pension, profit sharing plans, stock, annuity
Repairs
Rent paid on business property
Charitable Contributions
Depletion
Domestic production activities deduction
Advertising
Compensation of officers
Salaries and wages
Employee benefit programs
Taxes and Licenses
Bad Debts
Depreciation
Amortization
Other Operating Expenses
Total Operating Expenses
Operating Income
Non-Operating Income
EBIT (Earnings Before Interest and Taxes)
Interest Expense
Earnings Before Taxes
Income Tax
Net Profit

Source: Analysis of U.S. federal statistics

Financial Ratio Analysis - Direct Life, Health, and Medical Insurance Carriers

Financial ratios can be used to compare how a company in the Direct Life, Health, and Medical Insurance Carriers industry is performing relative to its peers. Financial ratios are calculated from the industry-average for income statements and balance sheets.

Liquidity Ratios - Direct Life, Health, and Medical Insurance Carriers Industry	Industry Average
Liquidity Ratios measure how liquid a business is. Bankers and suppliers may use these to determine creditworthiness and identify potential threats to a company's financial viability.
Current Ratio Measures a firm's ability to pay its debts over the next 12 months.	Included
Quick Ratio (Acid Test) Calculates liquid assets relative to liabilities, excluding inventories.	Included

Efficiency Ratios - Direct Life, Health, and Medical Insurance Carriers Industry	Industry Average
Efficiency Ratios measure how quickly products and services sell, and effectively collections policies are implemented.
Receivables Turnover Ratio If this number is low compared to the industry average, it may mean your payment terms are too lenient or that you are not doing a good enough job on collections.	Included
Average Collection Period Based on the Receivables Turnover Ratio, this estimates the collection period in days. Calculated as 365 divided by the Receivables Turnover Ratio	Included
Inventory Turnover Ratio A low turnover rate may point to overstocking, obsolescence, or deficiencies in the product line or marketing effort.	Included
Fixed-Asset Turnover Ratio Generally, a higher ratio is better, since it indicates the business has less money tied up in fixed assets for each dollar of sales revenue.	Included

Compensation & Salary Surveys for Employees Working in Direct Life, Health, and Medical Insurance Carriers

Compensation statistics provides an accurate assessment of jobs in the Direct Life, Health, and Medical Insurance Carriers industry and national salary averages. This information can be used to asses which positions are most common, and high, low, and average annual wages.

Title	Percent of Workforce	Bottom Quartile	Average (Median) Salary	Upper Quartile
Management occupations	8%	AVAILABLE Included in Report Order at top of page
Chief executives	0%
General and operations managers	2%
Business and financial operations occupations	28%
Claims adjusters, examiners, and investigators	10%
Insurance underwriters	5%
Computer and mathematical science occupations	10%
Sales and related occupations	9%
Insurance sales agents	6%
Office and administrative support occupations	38%
Customer service representatives	11%
Insurance claims and policy processing clerks	9%

Source: Bureau of Labor Statistics

Companies in Direct Life, Health, and Medical Insurance Carriers and Adjacent Industries

Company	Address	Key Contact
AVAILABLE	AVAILABLE	AVAILABLE

Public Direct Life, Health, and Medical Insurance Carriers Company News

Web scan for recent news about publicly traded companies in the Direct Life, Health, and Medical Insurance Carriers industry.

• Hooper Holmes Introduces iParamed Expedite: BASKING RIDGE, N.J.----Hooper Holmes today introduced iParamed Expedite, a new service that cuts costs and improves accuracy for insurance applications. It is six to seven days faster than current approaches and has been designed to quickly and accurately qualify applicants for life, long-term care, health and Medicare Supplement insurance policies.
• A.M. Best Affirms Ratings of Gerber Life Insurance Company: OLDWICK, N.J.----A.M. Best Co. has affirmed the financial strength rating of A and issuer credit rating of a of Gerber Life Insurance Company . The outlook for both ratings is negative.
• Health care costs are only on their way up: To the Editor:
• William Greider on Social Security: William Greider, writing in The Nation , didnt mince words when it came to explaining whats at stake in the looming fight over Social Securityand Medicare along with it.
• A.M. Best Affirms Ratings of Unitrin, Inc. and Its Subsidiaries: OLDWICK, N.J.----A.M. Best Co. has affirmed the financial strength rating of A- and issuer credit ratings of a- of Unitrin Property and Casualty Insurance Group and its members.
• 2003-06-27 Friday, June 27, 2003: Members of the Park R-3 Board of Education focused on board relationships during a retreat held Monday of this week.
• Thai, Korean to be charged in Phuket horror smash: PHUKET: The driver of an 18-wheel truck who may have caused the death of a young Thai couple on Tuesday is expected to surrender himself to Phuket City Police next week.Thirty-year-old Faosi Samakij a...
• Backhoe saved from Phuket mire: RASSADA, PHUKET: A machine operator is crediting divine intervention for the safe recovery of his backhoe, which was successfully pulled from a saltwater mud flat after a 15-hour operation yesterday.
• Reporter shot dead in Phuket: Police found a slip in his wallet indicating Mr Somchai, a reporter at a local Korean language newspaper, was due to appear as a defendant in a robbery case later this month. He was also carrying a kn...
• Monsoon rains hit Phuket: PHUKET: Thunder and heavy rain across Phuket yesterday morning indicate that the monsoon season is settling in.Sorot Sawatdiraksa, a meteorologist with the Southern Meteorological Center at Phuket Air...
• Chuck Royce Q1 Portfolio Update: Chuck Royce likes to invest in small cap stocks. He thinks that quality companies exist throughout the equity universe; investors should be expecting 6-9% a year for the decade. This is Q1 portfolio update of Royce Funds. Read more � �
• eHealth, Inc. Announces First Quarter 2010 Results: First Quarter 2010 Overview -- Revenue of $36.0 million, up 13% over the first quarter of 2009 -- Operating income of $5.9 million, up 6% over the first quarter of 2009 -- Submitted applications for IFP products declined 4% over the first quarter of 2009 -- GAAP operating margins of 16% and non-GAAP operating margins of 21% for the first quarter of 2010 -- GAAP net income of $3.2 million, or $0 ...
• eHealth, Inc. Announces First Quarter 2010 Results: MOUNTAIN VIEW, CA--(Marketwire - 05/03/10) - eHealth, Inc. (NASDAQ: EHTH - News ), the leading online source of health insurance for individuals, families and small businesses, today announced its financial results for the first quarter ended March 31, 2010. Gary Lauer, chief executive officer of eHealth stated, "The first quarter was a challenging yet strong financial quarter for eHealth. While ...
• Hewitt on Europe: Greeks get details of bitter medicine from EU
• Phuket debt reduction plan moves forward: PHUKET: The government is trying to help 2,000 heavily indebted Phuket residents escape the clutches of loan sharks as part of an ambitious nationwide program.The people selected owe between 50,000 an...

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