Owner Scorecard


← The groupings the Insurance — Life & Health table →

An industry chapter · Insurance — Life & Health

Insurance — Life & Health

31 members, AFL to VOYA, A to Z by ticker.

Gross profitability
not applied: every member is a balance-sheet business, where the read is a category error
Capital intensity
not applied: every member is a balance-sheet business, where the read is a category error
Net cash
not applied: every member is a balance-sheet business, where the read is a category error

Figures describe the list as a group, from each member's own filed record; they name no member and form no rank. A member missing an input is absent from that median, never counted against the others.

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AFL AFLAC Incorporated

AFLAC Incorporated develops relevant supplemental health insurance products offering financial protection from the rising out-of-pocket expenses associated with medical events that are not covered by the insureds' primary coverage.

Owner earnings not applied to a balance-sheet business

Retained capital not applied to a balance-sheet business

Balance sheet a balance-sheet business; the net-cash read is not applied

ATHS Athene Holding Ltd

We are a leading financial services company that specializes in issuing, reinsuring and acquiring retirement savings products designed for the increasing number of individuals and institutions seeking to fund retirement needs.

Owner earnings not applied to a balance-sheet business

Retained capital not applied to a balance-sheet business

Balance sheet a balance-sheet business; the net-cash read is not applied

BHF Brighthouse Financial Inc.

A life insurer, collecting premiums for decades and earning a spread on the reserves it invests until claims fall due.

Owner earnings not applied to a balance-sheet business

Retained capital not applied to a balance-sheet business

Balance sheet a balance-sheet business; the net-cash read is not applied

BHFAL Brighthouse Financial, Inc.

A life insurer, collecting premiums for decades and earning a spread on the reserves it invests until claims fall due.

Owner earnings not applied to a balance-sheet business

Retained capital not applied to a balance-sheet business

Balance sheet a balance-sheet business; the net-cash read is not applied

BHFAM Brighthouse Financial Inc.

A life insurer, collecting premiums for decades and earning a spread on the reserves it invests until claims fall due.

Owner earnings not applied to a balance-sheet business

Retained capital not applied to a balance-sheet business

Balance sheet a balance-sheet business; the net-cash read is not applied

BHFAN Brighthouse Financial Inc.

A life insurer, collecting premiums for decades and earning a spread on the reserves it invests until claims fall due.

Owner earnings not applied to a balance-sheet business

Retained capital not applied to a balance-sheet business

Balance sheet a balance-sheet business; the net-cash read is not applied

BHFAO Brighthouse Financial Inc.

A life insurer, collecting premiums for decades and earning a spread on the reserves it invests until claims fall due.

Owner earnings not applied to a balance-sheet business

Retained capital not applied to a balance-sheet business

Balance sheet a balance-sheet business; the net-cash read is not applied

BHFAP Brighthouse Financial Inc.

A life insurer, collecting premiums for decades and earning a spread on the reserves it invests until claims fall due.

Owner earnings not applied to a balance-sheet business

Retained capital not applied to a balance-sheet business

Balance sheet a balance-sheet business; the net-cash read is not applied

CNO CNO Financial Group Inc.

CNO is a holding company for a group of insurance companies that develop, market and administer health insurance, annuity, individual life insurance and other insurance and financial services products.

Owner earnings not applied to a balance-sheet business

Retained capital not applied to a balance-sheet business

Balance sheet a balance-sheet business; the net-cash read is not applied

CRBG Corebridge Financial Inc.

A life insurer, collecting premiums for decades and earning a spread on the reserves it invests until claims fall due.

Owner earnings not applied to a balance-sheet business

Retained capital not applied to a balance-sheet business

Balance sheet a balance-sheet business; the net-cash read is not applied

FG F&G Annuities & Life Inc.

A life insurer, collecting premiums for decades and earning a spread on the reserves it invests until claims fall due.

Owner earnings not applied to a balance-sheet business

Retained capital not applied to a balance-sheet business

Balance sheet a balance-sheet business; the net-cash read is not applied

FGN F&G Annuities & Life, Inc.

A life insurer, collecting premiums for decades and earning a spread on the reserves it invests until claims fall due.

Owner earnings not applied to a balance-sheet business

Retained capital not applied to a balance-sheet business

Balance sheet a balance-sheet business; the net-cash read is not applied

GL Globe Life Inc.

A life insurer, collecting premiums for decades and earning a spread on the reserves it invests until claims fall due.

Owner earnings not applied to a balance-sheet business

Retained capital not applied to a balance-sheet business

Balance sheet a balance-sheet business; the net-cash read is not applied · dividend paid 10 of 10 yrs, never cut

GNW Genworth Financial Inc

A life insurer, collecting premiums for decades and earning a spread on the reserves it invests until claims fall due.

Owner earnings not applied to a balance-sheet business

Retained capital not applied to a balance-sheet business

Balance sheet a balance-sheet business; the net-cash read is not applied

JXN Jackson Financial Inc.

Jackson Financial Inc. is a financial services company focused on helping Americans in the United States secure their financial futures.

Owner earnings not applied to a balance-sheet business

Retained capital not applied to a balance-sheet business

Balance sheet a balance-sheet business; the net-cash read is not applied

LNC Lincoln National

Lincoln National Corporation is a holding company that operates multiple insurance and retirement businesses through subsidiary companies.

Owner earnings not applied to a balance-sheet business

Retained capital not applied to a balance-sheet business

Balance sheet a balance-sheet business; the net-cash read is not applied

MET MetLife Inc.

MetLife is a life insurer and one of the largest providers of group, workplace benefits — life, dental, disability, vision — that employers buy to cover their people, alongside individual protection and institutional retirement and annuity products. It collects premiums and deposits up front, invests that money while the obligations sit on its books, and aims to earn more on those investments than it must pay out, plus fees for administering the benefits, taking in more than its claims and costs.

Owner earnings not applied to a balance-sheet business

Retained capital not applied to a balance-sheet business

Balance sheet a balance-sheet business; the net-cash read is not applied

MFC Manulife Financial Corporation

A life insurer, collecting premiums for decades and earning a spread on the reserves it invests until claims fall due.

Owner earnings not applied to a balance-sheet business

Retained capital not applied to a balance-sheet business

Balance sheet a balance-sheet business; the net-cash read is not applied

PFG Principal Financial

Principal Financial is a leader in global financial services offering businesses, individuals and institutional clients a wide range of financial products and services, including retirement, asset management and workplace benefits and protection solutions through our diverse family of financial services companies.

Owner earnings not applied to a balance-sheet business

Retained capital not applied to a balance-sheet business

Balance sheet a balance-sheet business; the net-cash read is not applied

PFH Prudential Financial, Inc.

We offer a wide array of financial products and services, including life insurance, annuities, retirement-related products and services, mutual funds and investment management.

Owner earnings not applied to a balance-sheet business

Retained capital not applied to a balance-sheet business

Balance sheet a balance-sheet business; the net-cash read is not applied

PRH Prudential Financial, Inc.

We offer a wide array of financial products and services, including life insurance, annuities, retirement-related products and services, mutual funds and investment management.

Owner earnings not applied to a balance-sheet business

Retained capital not applied to a balance-sheet business

Balance sheet a balance-sheet business; the net-cash read is not applied

PRI Primerica

Primerica is a leading provider of financial products and services to middle-income households in the United States and Canada with 151,524 life insurance-licensed sales representatives as of December 31, 2025.

Owner earnings not applied to a balance-sheet business

Retained capital not applied to a balance-sheet business

Balance sheet a balance-sheet business; the net-cash read is not applied

PRS Prudential Financial, Inc.

We offer a wide array of financial products and services, including life insurance, annuities, retirement-related products and services, mutual funds and investment management.

Owner earnings not applied to a balance-sheet business

Retained capital not applied to a balance-sheet business

Balance sheet a balance-sheet business; the net-cash read is not applied

PRU Prudential Financial Inc.

Prudential Financial is a life insurer and retirement business with a large in-house asset manager, PGIM. It sells individual life insurance and annuities, group benefits to employers, and institutional retirement deals — taking whole corporate pension plans onto its books — with sizable operations abroad, notably in Japan. It earns the spread between what it invests premiums and deposits at and what it owes the insured, plus fees on the money PGIM and its other arms manage for outside investors.

Owner earnings not applied to a balance-sheet business

Retained capital not applied to a balance-sheet business

Balance sheet a balance-sheet business; the net-cash read is not applied

PUK Prudential Public Limited Company

A life insurer, collecting premiums for decades and earning a spread on the reserves it invests until claims fall due.

Owner earnings not applied to a balance-sheet business

Retained capital not applied to a balance-sheet business

Balance sheet a balance-sheet business; the net-cash read is not applied · dividend paid 9 of 9 yrs, cut at least once

RGA Reinsurance Group of America

Reinsurance Group of America, Incorporated is an insurance holding company that was formed on December 31, 1992.

Owner earnings not applied to a balance-sheet business

Retained capital not applied to a balance-sheet business

Balance sheet a balance-sheet business; the net-cash read is not applied · dividend paid 7 of 7 yrs, never cut

RZC Reinsurance Group of America, Incorporated

Reinsurance Group of America, Incorporated is an insurance holding company that was formed on December 31, 1992.

Owner earnings not applied to a balance-sheet business

Retained capital not applied to a balance-sheet business

Balance sheet a balance-sheet business; the net-cash read is not applied · dividend paid 7 of 7 yrs, never cut

SLF Sun Life Financial Inc.

A life insurer, collecting premiums for decades and earning a spread on the reserves it invests until claims fall due.

Owner earnings not applied to a balance-sheet business

Retained capital not applied to a balance-sheet business

Balance sheet a balance-sheet business; the net-cash read is not applied · dividend paid 9 of 9 yrs, never cut

UNM Unum Group

Unum Group, a Delaware general business corporation, and its insurance and non-insurance subsidiaries, which collectively with Unum Group we refer to as the Company, operate in the United States, the United Kingdom, Poland, and, to a limited extent, in certain other countries.

Owner earnings not applied to a balance-sheet business

Retained capital not applied to a balance-sheet business

Balance sheet a balance-sheet business; the net-cash read is not applied · buybacks at an average near $48.35 · dividend paid 10 of 10 yrs, never cut

UNMA Unum Group

Unum Group, a Delaware general business corporation, and its insurance and non-insurance subsidiaries, which collectively with Unum Group we refer to as the Company, operate in the United States, the United Kingdom, Poland, and, to a limited extent, in certain other countries.

Owner earnings not applied to a balance-sheet business

Retained capital not applied to a balance-sheet business

Balance sheet a balance-sheet business; the net-cash read is not applied · buybacks at an average near $48.35 · dividend paid 10 of 10 yrs, never cut

VOYA Voya Financial Inc.

A life insurer, collecting premiums for decades and earning a spread on the reserves it invests until claims fall due.

Owner earnings not applied to a balance-sheet business

Retained capital not applied to a balance-sheet business

Balance sheet a balance-sheet business; the net-cash read is not applied

The same shelf as one comparative table, every member a row and every column sortable: the Insurance — Life & Health table →

The same four lines for every member, in strict ticker order; a figure that could not be read renders as "not read," never as a mark against the record beside it. The header describes the list and names no member; the entries carry no ranking and form no score. What a chapter cannot carry — understanding of the business, and a price — is yours.