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"rank": 1,
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"report_text": "The relative strengths and weaknesses of Globe LIFE INC are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of Globe LIFE INC compared to the market average is the variable Liabilities, increasing the Economic Capital Ratio by 15% points.The greatest weakness of Globe LIFE INC is the variable Assets, reducing the Economic Capital Ratio by 21% points.
The company's Economic Capital Ratio, given in the ranking table, is 26%, being 4.9% points above the market average of 21%.",
"report_url": "https://www.realrate-archive.com/us_life/2024/report/0000320335_2025_Globe_LIFE_INC.pdf",
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"Liabilities": "15.4",
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"Other Revenues": "0",
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"Liability for Future Policy Benefit": "19,460,353",
"Mortgage Loans on Real Estate, Net": "279,199",
"Net Investment Income": "1,056,884",
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"Revenues": "5,447,533",
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"Insurance Commissions and Fees": "0",
"Liability for Future Policy Benefit": "18,457,263",
"Mortgage Loans on Real Estate, Net": "396,088",
"Net Investment Income": "1,135,631",
"Other Assets": "11,525,081",
"Other Compr. Net Income": "742,699",
"Other Expenses": "1,812,864",
"Other Liabilities": "5,313,398",
"Other Net Income": "0",
"Other Revenues": "-23,834",
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"Expenses": "4,707,307",
"Revenues": "5,778,069",
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{
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"name": "Citizens INC",
"rank": 2,
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"report_text": "The relative strengths and weaknesses of Citizens INC are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of Citizens INC compared to the market average is the variable Liabilities, increasing the Economic Capital Ratio by 9.3% points.The greatest weakness of Citizens INC is the variable Assets, reducing the Economic Capital Ratio by 16% points.
The company's Economic Capital Ratio, given in the ranking table, is 23%, being 2.0% points above the market average of 21%.",
"report_url": "https://www.realrate-archive.com/us_life/2024/report/0000024090_2025_Citizens_INC.pdf",
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"Liabilities": "9.27",
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"report_text": "The relative strengths and weaknesses of Genworth Financial INC are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of Genworth Financial INC compared to the market average is the variable Other Liabilities, increasing the Economic Capital Ratio by 5.6% points.The greatest weakness of Genworth Financial INC is the variable Liability for Future Policy Benefit, reducing the Economic Capital Ratio by 15% points.
The company's Economic Capital Ratio, given in the ranking table, is 22%, being 1.2% points above the market average of 21%.",
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"rank": 4,
"regression_plot": "https://www.realrate-archive.com/us_life/2024/backtesting_correlation/regression_0000898174.svg",
"report_text": "The relative strengths and weaknesses of Reinsurance Group OF America INC are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of Reinsurance Group OF America INC compared to the market average is the variable Liabilities, increasing the Economic Capital Ratio by 11% points.The greatest weakness of Reinsurance Group OF America INC is the variable Assets, reducing the Economic Capital Ratio by 23% points.
The company's Economic Capital Ratio, given in the ranking table, is 22%, being 0.34% points above the market average of 21%.",
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The greatest strength of Athene Holding Ltd compared to the market average is the variable Debt Securities, Available-for-sale, increasing the Economic Capital Ratio by 4.6% points.The greatest weakness of Athene Holding Ltd is the variable Other Liabilities, reducing the Economic Capital Ratio by 25% points.
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The greatest strength of Prudential Financial INC compared to the market average is the variable Other Liabilities, increasing the Economic Capital Ratio by 2.2% points.The greatest weakness of Prudential Financial INC is the variable Other Assets, reducing the Economic Capital Ratio by 7.0% points.
The company's Economic Capital Ratio, given in the ranking table, is 19%, being 2.2% points below the market average of 21%.",
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The greatest strength of Corebridge Financial Inc compared to the market average is the variable Other Assets, increasing the Economic Capital Ratio by 7.3% points.The greatest weakness of Corebridge Financial Inc is the variable Other Liabilities, reducing the Economic Capital Ratio by 14% points.
The company's Economic Capital Ratio, given in the ranking table, is 19%, being 2.7% points below the market average of 21%.",
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"Assets": "389,397,000",
"Expenses": "16,578,000",
"Revenues": "18,781,000",
"Stockholders Equity": "12,326,000",
"Net Income": "2,203,000",
"Comprehensive Net Income": "2,045,000",
"BaseVar": "787,755,640",
"ECR before LimitedLiability": "1.6%",
"Economic Capital Ratio": "19%"
}
}
},
"top_rated": false,
"trend": 1.0,
"valuation": {
"past_accumulated_profits": 6163000000.0,
"future_profits": 0.0,
"valuation_correction": 0.0,
"limited_liability_put_option": 64771860853.20705,
"fair_value": 70934860853.20705,
"market_value": 16361613953.31428
},
"valuation_plot": "https://www.realrate-archive.com/us_life/2024/valuation/valuation_0001889539.svg",
"value": 0.18509542695378553,
"company_index": "https://www.realrate-archive.com/us_life/2024/industry_indexes/0001889539.svg",
"analysing_equity": "https://www.realrate-archive.com/us_life/2024/analytics/equity/0001889539.svg",
"analysing_profit_loss": "https://www.realrate-archive.com/us_life/2024/analytics/profit_loss/0001889539.svg"
},
{
"company_id": "0001822993",
"decision_tree_plot": "https://www.realrate-archive.com/us_life/2024/decision_tree/decision_tree_0001822993.svg",
"feature_distribution_plot": "https://www.realrate-archive.com/us_life/2024/feature_distribution/feature_distribution_0001822993.svg",
"graph_url": "https://www.realrate-archive.com/us_life/2024/graphs/IME_0001822993.svg",
"logo_url": "https://www.realrate-archive.com/us_life/logos/0001822993.svg",
"logo_url_256x256": "https://www.realrate-archive.com/us_life/logos/0001822993_256x256.png",
"name": "Jackson Financial Inc",
"rank": 8,
"regression_plot": "https://www.realrate-archive.com/us_life/2024/backtesting_correlation/regression_0001822993.svg",
"report_text": "The relative strengths and weaknesses of Jackson Financial Inc are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of Jackson Financial Inc compared to the market average is the variable Separate Account, Assets, increasing the Economic Capital Ratio by 10% points.The greatest weakness of Jackson Financial Inc is the variable Separate Account, Liability, reducing the Economic Capital Ratio by 29% points.
The company's Economic Capital Ratio, given in the ranking table, is 18%, being 2.8% points below the market average of 21%.",
"report_url": "https://www.realrate-archive.com/us_life/2024/report/0001822993_2025_Jackson_Financial_Inc.pdf",
"shrinked_graph_json": {
"2023": {
"Other Liabilities": "-3.86",
"Liabilities": "-29.4",
"Stockholders Equity": "-1.15",
"Liability for Future Policy Benefit": "1.66",
"Separate Account, Liability": "-30.6",
"Other Assets": "1.73",
"Assets": "9.80",
"ECR before LimitedLiability": "-5.61",
"Debt Securities, Available-for-sale": "-6.08",
"Mortgage Loans on Real Estate, Net": "-0.320",
"Separate Account, Assets": "11.1",
"Other Expenses": "0",
"Expenses": "0",
"Net Income": "0",
"Benefits": "0",
"Other Revenues": "0",
"Revenues": "0",
"Insurance Commissions and Fees": "0",
"Net Investment Income": "0",
"Premiums Earned, Net": "0",
"Comprehensive Net Income": "0",
"Other Compr. Net Income": "0",
"Other Net Income": "0",
"Economic Capital Ratio": "-5.27",
"Revenues Y+1": "0",
"Revenues Y+3": "0",
"Revenues Y+2": "0",
"Revenues Y+4": "0",
"Revenues Y+5": "0"
},
"2024": {
"Other Liabilities": "-2.32",
"Liabilities": "-24.4",
"Stockholders Equity": "-0.338",
"ECR before LimitedLiability": "-2.85",
"Liability for Future Policy Benefit": "1.66",
"Separate Account, Liability": "-29.3",
"Debt Securities, Available-for-sale": "-7.15",
"Assets": "7.90",
"Mortgage Loans on Real Estate, Net": "-0.369",
"Separate Account, Assets": "10.4",
"Other Assets": "1.60",
"Benefits": "0",
"Expenses": "0",
"Net Income": "0",
"Other Expenses": "0",
"Other Revenues": "0",
"Revenues": "0",
"Net Investment Income": "0",
"Premiums Earned, Net": "0",
"Insurance Commissions and Fees": "0",
"Comprehensive Net Income": "0",
"Other Compr. Net Income": "0",
"Other Net Income": "0",
"Revenues Y+5": "0",
"Economic Capital Ratio": "-2.78",
"Revenues Y+3": "0",
"Revenues Y+4": "0",
"Revenues Y+2": "0",
"Revenues Y+1": "0"
}
},
"strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_life/2024/plot_over_time/0001822993_strength_weakness.svg",
"table_records": {
"2023": {
"input_variables": {
"Benefits": "1,145,000",
"Debt Securities, Available-for-sale": "0",
"Insurance Commissions and Fees": "0",
"Liability for Future Policy Benefit": "11,898,000",
"Mortgage Loans on Real Estate, Net": "0",
"Net Investment Income": "2,930,000",
"Other Assets": "110,599,000",
"Other Compr. Net Income": "550,000",
"Other Expenses": "4,855,000",
"Other Liabilities": "88,367,000",
"Other Net Income": "3,795,000",
"Other Revenues": "82,000",
"Premiums Earned, Net": "147,000",
"Revenues Y+1": "0",
"Revenues Y+2": "0",
"Revenues Y+3": "0",
"Revenues Y+4": "0",
"Revenues Y+5": "0",
"Separate Account, Assets": "219,656,000",
"Separate Account, Liability": "219,656,000"
},
"output_variables": {
"Liabilities": "319,921,000",
"Assets": "330,255,000",
"Expenses": "6,000,000",
"Revenues": "3,159,000",
"Stockholders Equity": "10,334,000",
"Net Income": "954,000",
"Comprehensive Net Income": "1,504,000",
"BaseVar": "493,048,199",
"ECR before LimitedLiability": "1.6%",
"Economic Capital Ratio": "18%"
}
},
"2024": {
"input_variables": {
"Benefits": "1,110,000",
"Debt Securities, Available-for-sale": "0",
"Insurance Commissions and Fees": "0",
"Liability for Future Policy Benefit": "11,072,000",
"Mortgage Loans on Real Estate, Net": "0",
"Net Investment Income": "2,862,000",
"Other Assets": "109,307,000",
"Other Compr. Net Income": "-744,000",
"Other Expenses": "4,948,000",
"Other Liabilities": "88,253,000",
"Other Net Income": "3,763,000",
"Other Revenues": "263,000",
"Premiums Earned, Net": "146,000",
"Revenues Y+1": "0",
"Revenues Y+2": "0",
"Revenues Y+3": "0",
"Revenues Y+4": "0",
"Revenues Y+5": "0",
"Separate Account, Assets": "229,143,000",
"Separate Account, Liability": "229,143,000"
},
"output_variables": {
"Liabilities": "328,468,000",
"Assets": "338,450,000",
"Expenses": "6,058,000",
"Revenues": "3,271,000",
"Stockholders Equity": "9,982,000",
"Net Income": "976,000",
"Comprehensive Net Income": "232,000",
"BaseVar": "491,044,421",
"ECR before LimitedLiability": "1.5%",
"Economic Capital Ratio": "18%"
}
}
},
"top_rated": false,
"trend": 1.0,
"valuation": {
"past_accumulated_profits": 4991000000.0,
"future_profits": 0.0,
"valuation_correction": 0.0,
"limited_liability_put_option": 56370028435.99557,
"fair_value": 61361028435.99557,
"market_value": 6228245068.908123
},
"valuation_plot": "https://www.realrate-archive.com/us_life/2024/valuation/valuation_0001822993.svg",
"value": 0.18401371213851048,
"company_index": "https://www.realrate-archive.com/us_life/2024/industry_indexes/0001822993.svg",
"analysing_equity": "https://www.realrate-archive.com/us_life/2024/analytics/equity/0001822993.svg",
"analysing_profit_loss": "https://www.realrate-archive.com/us_life/2024/analytics/profit_loss/0001822993.svg"
}
],
"decision_tree_plot": "https://www.realrate-archive.com/us_life/2024/decision_tree/decision_tree.svg",
"feature_distribution_plot": "https://www.realrate-archive.com/us_life/2024/feature_distribution/feature_distribution.svg",
"final_var_label": "Economic Capital Ratio",
"industry_box": [
[
"Revenues",
"149 B"
],
[
"Assets",
"2.06 K"
],
[
"Expenses",
"139 B"
],
[
"Stockholders Equity",
"104 B"
]
],
"industry_id": "us_life",
"industry_label": "Life Insurance",
"num_companies": 8,
"num_top_companies": 2,
"ecr_records": {
"2023": {
"0000832480": {
"rank": 1,
"ecr": "35"
},
"0000008177": {
"rank": 2,
"ecr": "31"
},
"0000320335": {
"rank": 3,
"ecr": "25"
},
"0000024090": {
"rank": 4,
"ecr": "22"
},
"0000898174": {
"rank": 5,
"ecr": "22"
},
"0001276520": {
"rank": 6,
"ecr": "22"
},
"0001527469": {
"rank": 7,
"ecr": "20"
},
"0001889539": {
"rank": 8,
"ecr": "19"
},
"0001822993": {
"rank": 9,
"ecr": "18"
}
},
"2024": {
"0000320335": {
"rank": 1,
"ecr": "26"
},
"0000024090": {
"rank": 2,
"ecr": "23"
},
"0001276520": {
"rank": 3,
"ecr": "22"
},
"0000898174": {
"rank": 4,
"ecr": "22"
},
"0001527469": {
"rank": 5,
"ecr": "20"
},
"0001137774": {
"rank": 6,
"ecr": "19"
},
"0001889539": {
"rank": 7,
"ecr": "19"
},
"0001822993": {
"rank": 8,
"ecr": "18"
}
}
},
"rating_box": [
[
"Top rated",
"2 of 8"
],
[
"Best, worst rating",
"26.0 %, 18.4 %"
],
[
"New companies",
"1"
]
],
"regression_plot": "https://www.realrate-archive.com/us_life/2024/backtesting_correlation/regression_2024.svg",
"scentences": [
"Genworth Financial INC climbed 3 positions from 6 to 3 due to its excellent Separate Account, Liability.",
"Reinsurance Group OF America INC lost 1 positions from 5 to 4 due to its bad Assets.",
"Prudential Financial INC entered the 2025 ranking at rank 6, making it the best newcomer.",
"The biggest company by assets, Prudential Financial INC, is only ranked at place 6 whereas the smallest company, Citizens INC, is financially stronger at rank 2."
],
"url_segment": "2025-us-life",
"year": 2025,
"feature_importance": "https://www.realrate-archive.com/us_life/2024/feature_importance/feature_importance.svg",
"obs_ecr": {
"0000008177": {
"2023": {
"obs_EconomicCapitalRatio": 0.12521538970495444
}
},
"0000024090": {
"2023": {
"obs_EconomicCapitalRatio": 0.09062982014367271
},
"2024": {
"obs_EconomicCapitalRatio": 0.12633396565826924
},
"2025": {
"obs_EconomicCapitalRatio": 0.15974396365080085
}
},
"0000320335": {
"2023": {
"obs_EconomicCapitalRatio": 0.43417404517178093
},
"2024": {
"obs_EconomicCapitalRatio": 0.34361635325366874
},
"2025": {
"obs_EconomicCapitalRatio": 0.4033776986085078
}
},
"0000832480": {
"2023": {
"obs_EconomicCapitalRatio": 0.26307696412428544
}
},
"0000898174": {
"2023": {
"obs_EconomicCapitalRatio": 0.1097861025498521
},
"2024": {
"obs_EconomicCapitalRatio": 0.11941692027105845
},
"2025": {
"obs_EconomicCapitalRatio": 0.08965965357978846
}
},
"0001276520": {
"2023": {
"obs_EconomicCapitalRatio": 0.035029190258596216
},
"2024": {
"obs_EconomicCapitalRatio": 0.03633300871019027
},
"2025": {
"obs_EconomicCapitalRatio": 0.04385052279107395
}
},
"0001527469": {
"2023": {
"obs_EconomicCapitalRatio": 0.014552596524351716
},
"2024": {
"obs_EconomicCapitalRatio": 0.012940659296022932
},
"2025": {
"obs_EconomicCapitalRatio": 1.166780841316679e-05
}
},
"0001822993": {
"2023": {
"obs_EconomicCapitalRatio": 0.011679860724657671
},
"2024": {
"obs_EconomicCapitalRatio": 0.018677693716193364
},
"2025": {
"obs_EconomicCapitalRatio": 0.02086650236753406
}
},
"0001889539": {
"2023": {
"obs_EconomicCapitalRatio": 0.034133719169607
},
"2024": {
"obs_EconomicCapitalRatio": 0.042693534376684425
},
"2025": {
"obs_EconomicCapitalRatio": 0.038748027697441824
}
},
"0001137774": {
"2024": {
"obs_EconomicCapitalRatio": 0.05493466002805689
},
"2025": {
"obs_EconomicCapitalRatio": 0.05224166087658401
}
}
}
}