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Property-casualty insurers’ results should improve slightly this year and then worsen over the next two years, according to a new study by Conning Research and Consulting Inc.

The Hartford, Conn.-based firm said return on equity for 2004 is expected to be 8.4 percent and will increase to 8.8 percent in 2005. However, forecasts for 2006 and 2007 show returns of 7.4 percent and 5.9 percent, respectively.

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