As 2015 draws to a close, insurers are looking for indications of what the new year will bring.

At a panel discussion on the 2016 outlook for insurance companies held on Nov. 18, Moody’s analysts predicted that the Federal Reserve would gradually raise rates, beginning in December. Indeed, the Fed did just that, raising interest rates by 0.25% on Dec. 16, exactly seven years after the Federal Market Open Committee took the rate to 0% on Dec. 16, 2008.

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