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2018 Market Analysis & Industry Outlook: Direct Life, Health & Medical Insurance Carriers


Overview: the U.S. Direct Life, Health & Medical Insurance Carriers Industry

This section provides answers to key questions about the industry:

  1. What is the total market size (industry revenue)?
  2. What is the industry outlook?
  3. Market Analysis: Is the market growing or declining, and how quickly?
  4. Are long-term forecasts positive or negative?
  5. What is the average company size in the industry?
  6. How many companies are in the industry?


Market Size & Industry Statistics

The total U.S. industry market size for Direct Life, Health & Medical Insurance Carriers: Industry statistics cover all companies in the United States, both public and private, ranging in size from small businesses to market leaders. In addition to revenue, the industry market analysis shows information on employees, companies, and average firm size.

Investors, banks, and business executives use growth rates and industry trends to understand the market outlook and opportunity.

market size 2018
Charts and graphs can be copied to Microsoft Word and Powerpoint presentations.

Statistics 2012        2013        2014        2015        2016        2017
Market Size
(Total Sales/Revenue)


Order at top of page
Total Firms
Total Employees
Average Revenue Per Firm
Average Employees Per Firm
Statistics Source: U.S. Census, AnythingResearch Market Analysis



Market Forecast

Market forecasts show the long term industry outlook and future growth trends. The following five-year demand forecast projects both short-term and long-term trends.



market forecast

Forecast / Industry Outlook 2017 2018 2019 2020 2021 2022
Market Forecast ($ millions)
Projected Industry Growth Rate (%)
Source: AnythingResearch Economic Analysis

Product & Services Breakdown

Research products and services in the Direct Life, Health & Medical Insurance Carriers industry generating sales. Note that products are broken into categories with different levels of classification.

Product DescriptionNumber of Companies Sales ($ millions) Percent of Total Sales

Industry Total

Trading Debt Instruments On Own Account - Net Gains (Losses)

Trading Equities On Own Account - Net Gains (Losses)

Trading Other Securities And Commodity Contracts On Own Account - Net Gains (Losses)

Underwriting Services For Life Insurance - Net Premiums Earned

Individual Term Life

Individual Whole Life

Individual Universal Life

Group Life

Other Life

Underwriting Services For Pensions And Annuities - Fees

Variable Deferred Annuities

Fixed Rate Deferred Annuities

Immediate Annuities

Underwriting Services For Health And Accident Insurance - Net Premiums Earned

Individual Medical Service Plans

Other Health And Medical Insurance Services

Dental Service Plans - Group And Individual

Supplemental Medicare Insurance Plans

Supplemental Champus/Tricare Insurance Plans

Group Managed Care Medical Service Plans

Group Fee-For-Service Medical Service Plans

Accidental Death And Dismemberment, And Disability Income Insurance Plans

Underwriting Services For Vehicle Property And Liability Insurance Policies - Net Premiums Earned

Underwriting Services For Property And Liability Insurance Policies, Except Vehicle - Net Premiums Earned

Underwriting Services For Other General Liability Insurance Policies, Not Elsewhere Specified - Net Premiums Earned

Underwriting Services For Other Direct Insurance Policies - Net Premiums Earned

Reinsurance Services For Life And Health Insurance And Annuities - Premiums Assumed

Reinsurance Services For Property And Casualty Insurance - Premiums Assumed

Claims Adjustment Services

Insurance Support Services - Third Party Administration

Other Services



U.S. Geographic Distribution: Revenue Statistics by State

Market Size by State ($ millions) indicates how the industry's competition is distributed throughout the country. State-level information can identify areas with higher and lower industry market share than average.

U.S. map by state

Direct Life, Health & Medical Insurance Carriers Industry Price Trends

Rise and fall in market prices are affectedd by supply, demand, and the cost of goods/services sold. Higher demand or COGS will put upward price pressure on prices. Higher competition among Direct Life, Health & Medical Insurance Carriers companies will put a downward pressure on prices. The chart shows how prices are changing within the industry, month-to-month over the last three years.

example price index trendline

Income Statement (Average Financial Metrics)

Financial metrics provide a snapshot view of a benchmark "average" company. Key business metrics show revenue and operating costs. The data collected covers both public and private companies.

Industry AveragePercent of Sales
(Industry Benchmark)
Total Revenue

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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: AnythingResearch Analysis of U.S. federal statistics




Financial Ratio Analysis

Financial ratio information can be used to benchmark how a Direct Life, Health & Medical Insurance Carriers company compares to its peers. Accounting statistics are calculated from the industry-average for income statements and balance sheets.

Profitability & Valuation RatiosIndustry Average
Company valuation can be measured based on the firm's own performance, as well as in comparison against its industry competitors. These metrics show how the average company in the Direct Life, Health & Medical Insurance Carriers industry is performing.
Profit Margin
Gross Profit Margin, Operating Profit Margin, and Net Profit Margin. Show company earnings relative to revenues.
Return on Equity (ROE)
Return on Equity (ROE) is net income as a percentage of shareholders' equity. Shareholders' Equity is defined as the company's total assets minus total liabilities. ROE shows how much profits a company generates with the money shareholders invested (or with retained earnings).
Return on Assets (ROA)
Return on Assets (ROA) is net income relative to total assets. The market research on Direct Life, Health & Medical Insurance Carriers measures how efficiently the company leverages its assets to generate profit. ROA is calculated as Net Income divided by Total Assets.


Liquidity RatiosIndustry Average
Bankers and suppliers use liquidity 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.
Quick Ratio (Acid Test)
Calculates liquid assets relative to liabilities, excluding inventories.


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



Compensation & Salary Surveys for Employees

Compensation statistics provides an accurate assessment of industry-specific jobs and national salary averages. This information can be used to identify which positions are most common, and high, low, and average annual wages.

TitlePercent of WorkforceBottom Quartile Average (Median) SalaryUpper Quartile
Management Occupations 9%

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Chief Executives0%
General and Operations Managers2%
Business and Financial Operations Occupations 29%
Business Operations Specialists 20%
Claims Adjusters, Appraisers, Examiners, and Investigators 11%
Claims Adjusters, Examiners, and Investigators 10%
Financial Specialists 9%
Financial Analysts and Advisors 7%
Insurance Underwriters 5%
Computer and Mathematical Occupations 11%
Computer Occupations 9%
Sales and Related Occupations 9%
Sales Representatives, Services 8%
Insurance Sales Agents 7%
Insurance Sales Agents 7%
Office and Administrative Support Occupations 36%
Information and Record Clerks 13%
Customer Service Representatives 11%
Customer Service Representatives 11%
Other Office and Administrative Support Workers 15%
Insurance Claims and Policy Processing Clerks 11%
Insurance Claims and Policy Processing Clerks 11%
Source: Bureau of Labor Statistics


Direct Life, Health & Medical Insurance Carriers Industry Market Share [PREMIUM]

Largest companies in the industry and related industries, with private company revenue estimates.

CompanyAddressRevenue Estimate









Top Innovators

CompanyInnovation Score

Additional companies, details and innovation scoring in the full report.

Latest Industry News

  • Mind your language: Walk the insurance talk - We help you make sense of the alphabet soup A pure insurance plan with no form of savings or investment. It provides life ... condition A medical condition/disease that existed before one obtained a health insurance policy. Most insurance companies cover ... (01/12/2018)
  • Scramble Is On To Care For Kids If Insurance Coverage Lapses - He has seen couples divorce just to qualify for Medicaid coverage, something he fears will happen if the Children’s Health Insurance Program is axed. “They are looking at you and begging for their child’s life,” he said. The months-long failure on ... (01/12/2018)
  • CVS To Keep Aetna In Hartford, Says City is 'Center of Excellence' for Insurance - “We have no plans to relocate Aetna’s operations from Hartford and, in fact, view Hartford as the future location of our center of excellence for the insurance ... life.” If approved, CVS’s acquisition of Aetna — one of the largest ever in health ... (01/12/2018)
  • California Dreamin’: Pro-Life Efforts Offer Hope, Despite Legislative Setbacks - And previously, the state ratcheted up the pressure on religious employers, when it ruled that health insurance ... groups that defend pro-life activists and file challenges to state laws. The Irvine, California-based Center for Medical Progress produced ... (01/12/2018)
  • The Health 202: Mental-health professionals can't agree on evaluating Trump's psyche - They fear the use of such language will perpetuate the stigma around those with mental-health conditions, feeding into assumptions that such patients can’t be trusted or successful in life ... or were unable to find medical providers who would accept ... (01/12/2018)
  • Distrusting China’s medical system, patients turn to U.S. doctors online - The family stood in hours-long lines and called in favors from colleagues at Gao’s life insurance company ... have fueled the rise of companies like MediStar, which find opportunity amid China’s struggling medical reforms. Several dozen new businesses ... (01/11/2018)
  • Allianz invests $59 million in strategic partnership with American Well® to address global health challenges - Allianz has local knowledge of healthcare financing, regulation and delivery, and a qualified network of more than 800,000 medical providers across ... personal and corporate insurance services, ranging from property, life and health insurance to ... (01/09/2018)
  • Direct Insurance Network Offers Brokerage Insurance Services - Boca Raton, FL, January 4, 2018 (Newswire.com) - Based out of Florida, Direct Insurance Network is a leading insurance agency representing various insurance companies ... insurance, life insurance, flood insurance, dental insurance, health insurance ... (01/04/2018)
  • No medical insurance? No problem at direct pay primary care practice - At Benessere Wellness Center, there’s no waiting, no insurance needed and no problem calling the medical providers ... Pairing direct primary care — which focuses on high-value services such as disease management, prevention and mental health ... (12/13/2017)
  • Anyone Skeptical Of National Health Insurance Should Read This Short Story About How Much Better It Is - The answer, as Brill's article also made clear, is a fully national health insurance system, in which all Americans are covered in the same massive group and for-profit insurers and healthcare providers ... America's vastly profitable medical industrial ... (11/10/2013)


Government Contracts

In 2016, the federal government spent a total of $1,397,908,425 on Direct Life, Health & Medical Insurance Carriers. It has awarded 767 contracts to 68 companies, with an average value of $20,557,477 per company.   

Top government vendors:

CompanyFederal ContractsTotal Award Amount



Growth Opportunities / Competitive Threats

Companies in other industries may also sell similar products. Since there is an overlap in the customer base, there may be an opportunity for companies in Direct Life, Health & Medical Insurance Carriers to sell additional products/services offered by these adjacent industries. Alternatively, these industries may identify further products in this industry to target. Products most at risk are those with the highest profit margins and lowest barriers to entry.

The following industries are competing channels for sales of similar products/services.

Trading Equities On Own Account - Net Gains (Losses)
Competing IndustrySales Relative to Direct Life, Health & Medical Insurance CarriersOpportunity/Threat
Direct Insurance Carriers Competing industry
Investment Banking & Securities Dealing Competing industry
Venture Capital, Multifamily Investment Firms & Other Intermediation Competing industry
Securities Brokerage Competing industry
Portfolio Management Competing industry

Sales from other industries of Trading Equities On Own Account - Net Gains (Losses) are less than those from Direct Life, Health & Medical Insurance Carriers. This may mean that other channels are a competitive risk of increasing their Trading Equities On Own Account - Net Gains (Losses) sales, taking market share from this industry.
Trading Equities On Own Account - Net Gains (Losses) Product Sales Report



Trading Debt Instruments On Own Account - Net Gains (Losses)
Competing IndustrySales Relative to Direct Life, Health & Medical Insurance CarriersOpportunity/Threat
Commercial Banking
Securities Brokerage Competing industry
Investment Banking & Securities Dealing Competing industry
Direct Insurance Carriers Competing industry
Reinsurance Carriers Competing industry

Sales from other industries of Trading Debt Instruments On Own Account - Net Gains (Losses) are less than those from Direct Life, Health & Medical Insurance Carriers. This may mean that other channels are a competitive risk of increasing their Trading Debt Instruments On Own Account - Net Gains (Losses) sales, taking market share from this industry.
Trading Debt Instruments On Own Account - Net Gains (Losses) Product Sales Report



Trading Derivative Contracts On Own Account - Net Gains (Losses)
Trading Derivative Contracts On Own Account - Net Gains (Losses) Product Sales Report



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