Insurers across all sectors—Property & Casualty, Life/Annuity and Health—shared their views on a range of topics from the economy to industry competition in A.M. Best’s Winter 2015/2016 Insurance Industry Survey.

Michelle Baurkot, assistant vice president at A.M. Best, says the Commercial Lines outlook has been negative for some time, and while A.M. Best expects most ratings actions to be affirmations, rates are under pressure and concerns remain regarding the industry’s reserve levels.

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