Life insurance as an asset class

March 30, 2017

This research paper examines the merits of permanent life insurance as an alternative asset class. Though known more for its estate planning benefits than as an investment tool, permanent life insurance is attracting attention among investors looking to improve the return or reduce the risk of the fixed-income portion of their investment portfolio. The authors build their case around Harry Markowitz’s Modern Portfolio Theory (MPT) and its cornerstone, the efficient frontier (EF) concept. MPT quantifies the idea that a prudent investment portfolio balances risk and return. The theory also demonstrates the benefits of portfolio diversification and allows for this benefit to be captured and expressed during the portfolio construction process.

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Thornhill Insurance

Thornhill Insurance are a proud family run business in their 35th year of trading with Brian Thornhill at the helm. Retaining quality service has always been the key, and through constantly evolving markets and products, we are confident that we have some of the best ranges of insurance policies available.

OTHER WHITEPAPERS
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Why evolving consumer behaviors require changes from insurance providers

whitePaper | August 3, 2023

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Is insurance automation the new face of the industry?

whitePaper | July 15, 2022

The insurance industry’s main objective is to make sure people are protected against every odd, and receive timely help in case of any incident. Yet, despite being an industry that revolves around people, many insurance companies are known for being labor-intensive and overly complicated. Customers have a hard time understanding the ins and outs of their own insurance policy premiums, and the entire experience can be taxing for everyone involved.

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The evolution of fraud in the insurance industry

whitePaper | November 20, 2019

In fact, the Coalition Against Insurance Fraud indicates $80 billion of insurance fraud occurs in the U.S. every year.1 But given the often-intangible nature of insurance fraud, this is hardly a firm figure and doesn’t precisely identify operational costs incurred. With many forms of insurance fraud going unchecked, the actual amount of fraud loss insurers is dealing with — both in the U.S. and abroad — is often an educated guess at best.

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Legal expenses insurance: A force for social good

whitePaper | July 18, 2023

Legal expenses insurance (LEI) has been available in the UK for almost 50 years. While adoption was initially slow, its popularity has grown enormously over that time. Today, tens of millions of people and hundreds of thousands of businesses are insured against the potentially crippling costs of asserting even basic legal rights. Every week, LEI claims enable the pursuit and defence of thousands of cases that might otherwise have been abandoned as unaffordable.

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Guidewire Testing Framework for Autonomous Testing

whitePaper | May 9, 2022

The pace of change driven by digital transformation is rapidly increasing as new generations of agile competitors emerge. Insurance businesses, too, are evolving to keep pace with the latest business trends and update their products and services.

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Moving to the cloud is reshaping the insurance industry

whitePaper | October 25, 2022

With many employees working from home and digital business on the rise, insurers need a solution for managing, data, core systems and organisational needs. This whitepaper discusses the benefits of cloud computing for insurance companies.

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Spotlight

Thornhill Insurance

Thornhill Insurance are a proud family run business in their 35th year of trading with Brian Thornhill at the helm. Retaining quality service has always been the key, and through constantly evolving markets and products, we are confident that we have some of the best ranges of insurance policies available.

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