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2018 Market Analysis & Industry Outlook: Direct Life Insurance Carriers

Overview: the U.S. Direct Life 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 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 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

Group Managed Care 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

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 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 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
Rent paid on business property
Charitable Contributions
Domestic production activities deduction
Compensation of officers
Salaries and wages
Employee benefit programs
Taxes and Licenses
Bad Debts
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 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 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 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 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

  • Non-life insurers’ premium rises 19% in April-December - During December 2017, the total underwritten premium of non-life insurance companies grew 30 per cent to ?12,678 crore (?9,759 crore in December 2016). The general insurance industry underwrote total direct premium of ?1,28,128 crore in 2016-17 ... (01/13/2018)
  • QuoteWizard Acquires Bantam Connect, Insurance “Warm Call” Transfer Innovator - The company serves consumers looking to save money on auto, home, health, and life insurance ... QuoteWizard provides consumers with direct access to thousands of qualified agents in all 50 states, as well as major carriers, who offer personalized quotes ... (01/11/2018)
  • Malaysia's Islamic insurance outpacing conventional counterpart: Fitch - Family and general takaful grew by 7.5% and 5.9%, respectively, in the first half of 2017, compared with 5.2% and -1.8% in life and general ... limits for health insurance products starting in January and the establishment of direct channels offering ... (01/11/2018)
  • Tax Reform Update: Insurance Provisions – Spotlight on Property & Casualty Insurers - These policies are typically issued by life insurance carriers but multi-line P&C carriers with life ... a non-US insurance affiliate is a base erosion payment. In addition, a direct insurance premium paid by a US corporation that is not itself an ... (01/10/2018)
  • Blackstone Aims to Grow Insurance Asset Management to $100 Billion - Blackstone recruited Chris Blunt, the former president of New York Life’s investments group ... Blackstone’s overall assets totaled $387 billion. Insurance companies invest the bulk of their premiums in low-risk investments and set aside a smaller ... (01/09/2018)
  • Insurance Companies Need To Adjust Product And Approach To Address Millennials - Now, as the oldest millennials enter their late 30s, they’ve reached an age segment that’s long been heavily targeted by insurance companies. And insurers will ... “protect your assets”) as well as life insurance (“protect your loved ones”). (01/05/2018)
  • Direct Insurance Network Offers Brokerage Insurance Services - Boca Raton, FL, January 4, 2018 ( - Based out of Florida, Direct Insurance Network is a leading insurance agency representing various insurance companies with the ... disability insurance, life insurance, flood insurance, dental ... (01/04/2018)
  • Japan’s Nippon Life eyeing M&A for foreign boutique bond and alternative funds: Reuters - Japan’s Nippon Life Insurance Co [NPNLI.UL], which recently struck a deal ... Tsutsui said potential targets are likely to be asset management companies with bond investment expertise, as the insurer’s portfolio has been traditionally made up of ... (01/02/2018)
  • Life insurers' shares plunge on proposed change in direct tax law - Mumbai: Shares of life insurance companies plunged today after the finance ministry constituted task force to redraft direct tax law including higher corporate tax for companies and taxing insurance income. Listed life insurers saw shares decline- ICICI ... (11/23/2017)
  • Life insurance companies ranked by direct premiums - As you look ahead to 2018, what types of financial products would you like to add to your quiver? Financial advisers at the MarketCounsel Summit offered their perspective, but one thing is clear "choice is power." (09/07/2014)

Government Contracts

In 2016, the federal government spent a total of $7,995,419 on Direct Life Insurance Carriers. It has awarded 228 contracts to 15 companies, with an average value of $533,028 per company.   

Top government vendors:

CompanyFederal ContractsTotal Award Amount

Segments classified within this market research report

This industry market research report includes companies whose primary business is any of the following:
Insurance underwriting, life, direct, Insurance carriers, Credit life insurance carriers, Disability insurance carriers, Life insurance carriers, disability, Savings bank life insurance carriers, Disability insurance underwriting, Accidental death and dismemberment insurance carriers, Accidental death and dismemberment insurance underwriting, Fraternal life insurance organizations, Annuities underwriting, Cooperative life insurance organizations, etc.

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