Life, annuity, and long-tail insurance. Longer-duration float than P&C but more interest-rate sensitive; reserves can be opaque.
Industry leader
Primerica, Inc. PRI
Buffett-Fit: 69/100
Life insurers run on the spread between investment returns and policy crediting. The risk: rising rates compress new-business margins; falling rates make reserves inadequate. Book value growth + return on equity + statutory capital ratios are the quality screen.
Sorted by composite quality score - ROIC, margin stability, balance-sheet strength, growth quality. Click any ticker for the full Buffett verdict.
See all industries + sector-level statistics + framework filters.
Educational framework analysis only. Not investment advice, not a recommendation, not personalized to your situation. Always do your own research.