Pick a US-based, publicly traded insurance company. You are to produce a report about the company you chose that includes the following:

Company News
A Chart of the Companys Stock Performance
Accounting Ratio Analysis (see other document)
A Description of the Company
What YOU Find Interesting About the Company
The Companys Competitors
The Future Outlook for This Company
Anything Else You Find Relevant

ALL FINANCIALS MUST BE FROM September 30, 2015 and following so it is fresh.
Accounting Ratios
Here are the Four Accounting Ratios You Need in Your Paper:

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Loss Ratio = (Losses + Loss Adjustment Expenses)/Net Premiums Earned

Expense Ratio = Underwriting Expenses/Net Premiums Written

Return on Equity = Net Income/Owners Equity

Loss Reserves-to-Suplus Ratio = ALL Loss Reserves/Surplus
(Surplus is also known as owners equity or net worth)
(Reserves are the sum of claims reserves, case reserves, unpaid losses, UPR)

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