A practitioner's deep dive into W. R. Berkley (WRB) — specialty P&C insurer with disciplined underwriting, rising investment income, and a decentralized model that sets it apart from peers in 2026.
Cincinnati Financial (CINF) is one of America's longest-running Dividend Kings, but its equity-heavy investment portfolio and independent agency model create a risk/reward profile unlike any other P&C insurer. Here's the honest 2026 investment case.
Allstate (ALL) stock analysis for 2026. We examine the earned premium impact of 25-35% auto rate increases, the California and Florida exposure management strategy, hurricane/wildfire CAT loss seasonality, the combined ratio recovery trajectory, and whether current valuation reflects the underwriting margin inflection.
Aflac (AFL) stock analysis for 2026. We examine the 75% Japan revenue dependency, USD/JPY currency risk mechanics, the US worksite insurance growth engine, 42-year consecutive dividend raise record, investment portfolio interest rate dynamics, and whether the dividend aristocrat valuation is justified.
In-depth analysis of TRV (Travelers Companies) stock for 2026: combined ratio fundamentals, hard market pricing, catastrophe reserves, dividend growth history, and the bull/bear case for US P&C insurance investors.