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Is it luck or talent for the insurance industry? Alirt Insurance Research, in its 2015 review, notes insurers posted a combined ratio under 100 for the third year in a row. It’s also the first time since the 1970s in which the industry has shown three back-to-back years of underwriting profit.

David Paul, a principal at Windsor, Conn.-based Alirt, says two factors cannot be overlooked. The first: lower catastrophe losses over the past three years compared with 2011 and 2012.

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