Some key questions to those who track this space closely -
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What happens to mortality assumptions for existing policies as mortality escalates for folks in the 40-60 age range?
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What is the likely impact on investment portfolio for assumed long term profit growth from investments as interest rates continue to drive down
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Impact of increasing term policies? I know this would impact their margins but overall premium collection will also weaken. I think term policies will jump substantially as Indians being value conscious will prefer low cost solutions.
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Lockdown has been good for life insurance sector so far since well to do folks can afford to remain indoors but it is opening up and I see many healthy folks are getting this virus. I personally think mortality will jump in Q2 as infections spread becomes more widespread.
Disc: I am out of all insurance stocks and will wait for fundamentals till the first half.