Has the U.S. Life and Health Insurance Industry valuation changed over the past few years?

Investors are pessimistic on the American Life and Health Insurance industry, indicating that they anticipate long term growth rates will be lower than they have historically. The industry is trading at a PE ratio of 13.3x which is lower than its 3-year average PE of 38.8x. The industry is trading close to its 3-year average PS ratio of 0.99x.

How does U.S. Life and Health Insurance compare with similar industries?

There are no additional sub-industries under this industry.

U.S. Life and Health Insurance Industry Analysis

Date	Market Cap	Revenue	Earnings	PE	Absolute PE	PS
Tue, 18 Aug 2026	US$280.0b	US$273.7b	US$21.1b	15.8x	13.3x	1x
Thu, 16 Jul 2026	US$272.5b	US$264.8b	US$18.7b	15.2x	14.6x	1x
Sat, 13 Jun 2026	US$259.4b	US$264.8b	US$18.7b	15.2x	13.9x	1x
Mon, 11 May 2026	US$247.8b	US$265.8b	US$19.0b	13.9x	13.1x	0.9x
Wed, 08 Apr 2026	US$233.3b	US$260.6b	US$16.6b	14.8x	14x	0.9x
Fri, 06 Mar 2026	US$237.0b	US$260.6b	US$16.6b	14.9x	14.2x	0.9x
Sun, 01 Feb 2026	US$243.8b	US$255.6b	US$19.7b	13.2x	12.4x	1x
Tue, 30 Dec 2025	US$251.2b	US$255.6b	US$19.7b	13x	12.7x	1x
Thu, 27 Nov 2025	US$245.0b	US$255.6b	US$19.7b	12.4x	12.4x	1x
Sat, 25 Oct 2025	US$242.2b	US$254.5b	US$15.7b	13.1x	15.5x	1x
Mon, 22 Sep 2025	US$252.8b	US$254.5b	US$15.7b	13.5x	16.1x	1x
Wed, 20 Aug 2025	US$244.6b	US$254.5b	US$15.7b	13.5x	15.6x	1x
Fri, 18 Jul 2025	US$240.5b	US$257.6b	US$18.1b	12.2x	13.2x	0.9x
Sun, 15 Jun 2025	US$221.7b	US$243.3b	US$17.6b	12x	12.6x	0.9x
Tue, 13 May 2025	US$227.3b	US$243.3b	US$17.6b	12.6x	12.9x	0.9x
Thu, 10 Apr 2025	US$208.8b	US$250.3b	US$22.4b	10.8x	9.3x	0.8x
Sat, 08 Mar 2025	US$233.6b	US$250.3b	US$22.4b	10.4x	10.4x	0.9x
Mon, 03 Feb 2025	US$243.0b	US$242.9b	US$14.3b	14.5x	17x	1x
Wed, 01 Jan 2025	US$229.5b	US$242.9b	US$14.3b	13.6x	16.1x	0.9x
Fri, 29 Nov 2024	US$252.0b	US$242.9b	US$14.3b	14.9x	17.7x	1x
Sun, 27 Oct 2024	US$237.9b	US$229.9b	US$16.7b	13.3x	14.3x	1x
Tue, 24 Sep 2024	US$241.4b	US$229.8b	US$16.6b	13.2x	14.5x	1.1x
Thu, 22 Aug 2024	US$225.4b	US$229.8b	US$16.6b	12.5x	13.6x	1x
Sat, 20 Jul 2024	US$228.0b	US$222.7b	US$14.7b	9.9x	15.5x	1x
Mon, 17 Jun 2024	US$211.3b	US$225.4b	US$14.8b	10.3x	14.2x	0.9x
Wed, 15 May 2024	US$214.6b	US$225.4b	US$14.8b	12.4x	14.5x	1x
Fri, 12 Apr 2024	US$216.4b	US$216.9b	US$10.3b	16.3x	21.1x	1x
Sun, 10 Mar 2024	US$215.6b	US$216.9b	US$10.2b	15.6x	21.1x	1x
Tue, 06 Feb 2024	US$205.8b	US$215.4b	US$4.9b	14.4x	41.9x	1x
Thu, 04 Jan 2024	US$256.1b	US$213.6b	US$2.7b	13.4x	94.6x	1.2x
Sat, 02 Dec 2023	US$248.6b	US$216.4b	US$1.6b	13.2x	152.6x	1.1x
Mon, 30 Oct 2023	US$233.8b	US$239.0b	US$1.1b	11.8x	214.8x	1x
Wed, 27 Sep 2023	US$241.8b	US$238.9b	US$1.0b	12.7x	236.5x	1x
Fri, 25 Aug 2023	US$240.8b	US$238.9b	US$1.0b	13.1x	235.6x	1x


US Market	0.11%
Financials	-0.12%
Insurance	-1.99%
Life and Health Insurance	-0.11%
Reinsurance	0.48%
Property and Casualty Insurance	-2.45%
Insurance Brokers	-2.79%
General Insurance	-2.91%

Company	Last Price	7D	1Y	Valuation
OSCR Oscar Health	US$31.55	14.0% +US$1.2b	89.5%	PE17.7x
PRU Prudential Financial	US$124.56	2.0% +US$845.8m	16.8%	PE11.1x
BNT Brookfield Wealth Solutions	US$42.86	-4.1% US$467.5m	-1.4%	PE122.6x
GNW Genworth Financial	US$10.09	3.0% +US$109.6m	20.5%	PE18.9x
UNM Unum Group	US$91.51	0.1% +US$19.0m	33.4%	PE20.6x

Announcement • 2h

Prudential Financial Introduces Prudential Protection IUL Indexed Universal Life Insurance Policy

Prudential Financial introduced Prudential Protection IUL, the newest indexed universal life insurance policy from its Individual Life Insurance business. Protection IUL delivers a lifelong death benefit, with the flexibility to access cash value over time for goals such as covering unexpected expenses or addressing future health-related needs. Protection IUL is designed to help meet demand for policies that include features tied to retirement income, customization, and self-directed changes over time. At its core, Protection IUL is built around a lifelong death benefit that beneficiaries can use to manage both life’s expected and unexpected expenses. Customers can also build cash value over time through indexed accounts linked to the S&P 500 and Nasdaq-100, or through a fixed account that earns a declared interest rate. A 0% floor on the indexed accounts protects cash value from negative market returns, and a dialable no-lapse guarantee can be set for up to lifetime coverage when premium requirements are met. Prudential Protection IUL is issued by Pruco Life Insurance Company and, in New York, by Pruco Life Insurance Company of New Jersey, both Prudential Financial companies located in Newark, NJ (ICC26-IULPR, ICC26-IULPR-CD, IULPR-2026, IULPR-CD-2026). The S&P 500 Index is a product of S&P Dow Jones Indices LLC and has been licensed for use by The Prudential Insurance Company of America for itself and affiliates including Pruco Life Insurance Company and Pruco Life Insurance Company of New Jersey. Standard & Poor’s, S&P, and S&P 500 are registered trademarks of Standard & Poor’s Financial Services LLC; Dow Jones is a registered trademark of Dow Jones Trademark Holdings LLC; and these trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by Pruco Life. Pruco Life’s products are not sponsored, endorsed, sold, or promoted by SPDJI, Dow Jones, S&P, or their respective affiliates, and none of such parties make any representation regarding the advisability of purchasing such product(s), nor do they have any liability for any errors, omissions, or interruptions of the S&P 500 Index. S&P 500 index values are exclusive of dividends. Nasdaq, Nasdaq-100, and Nasdaq-100 Index are registered trademarks of Nasdaq, Inc. and are licensed for use by The Prudential Insurance Company of America for itself and affiliates. The product(s) have not been passed on by the Corporations as to their legality or suitability. The product(s) are not issued, endorsed, sold, or promoted by the Corporations. The Corporations make no warranties and bear no liability with respect to the product(s). The BenefitAccess Rider is available for an extra premium. Additional underwriting requirements and limits may also apply. Receiving benefits under the terms of the rider will reduce and may eliminate the death benefit. Benefits paid under the BenefitAccess Rider are intended to be treated for federal tax purposes as accelerated life insurance death benefits under IRC §101(g)(1)(b). Tax laws related to the receipt of accelerated death benefits are complex, and benefits may be taxable in certain circumstances. Receipt of benefits may affect eligibility for public assistance programs such as Medicaid. Accelerated benefits paid under the terms of the Terminal Illness portion of the rider are subject to a $150 processing fee ($100 in Florida). To qualify for chronic illness benefits, you (the insured) must be certified as chronically ill by a licensed health care practitioner and not be expected to recover from the condition. To qualify for terminal illness benefits, you must be certified as terminally ill by a licensed physician. Chronic illness claims will require recertification by a licensed health care practitioner. Other terms and conditions may apply. This rider is not Long-Term Care (LTC) insurance, and it is not intended to replace LTC. The rider may not cover all of the costs associated with chronic or terminal illness. It is a life insurance accelerated death benefit rider and is generally not subject to health insurance requirements. The availability of the rider as well as terms and conditions may vary by state. This material is being provided for informational or educational purposes only and does not take into account the investment objectives or financial situation of any clients or prospective clients. The information is not intended as investment advice and is not a recommendation about managing or investing a client’s retirement savings. Clients seeking information about their particular investment needs should contact a financial professional. Guarantees are based on the claims-paying ability of the issuing insurance company.

U.S. Life and Health Insurance Industry Analysis

Industry Valuation and Performance

Industry Comparison

Top Stock Gainers and Losers

Latest News

Prudential Financial Introduces Prudential Protection IUL Indexed Universal Life Insurance Policy

Second quarter dividend of US$0.07 announced

Consensus EPS estimates increase by 87%

Second quarter dividend of US$0.45 announced

President of Benefits & Protection exercised options and sold US$1.8m worth of stock

GL: Future Buybacks And Earnings Guidance Will Support Share Price Upside

New major risk - Financial position

Second quarter dividend of US$0.61 announced

Second quarter dividend of US$0.25 announced

Second quarter dividend of US$1.20 announced

MET: Buybacks And Settlement Features Will Shape A Measured Future Risk Reward Balance

Insufficient new directors

Price target increased by 14% to US$12.00