In spite of introducing major changes, Fitch and S&P say insurer ratings won't change

U.S. insurers that have built internal economic capital models to satisfy rating agency and regulatory requirements have only done part of the work needed to get full value from such models,

Answering the first question, analysts said it would be impractical to incorporate the mountain of data needed to capture every individual aspect of company experience or individual risk mitigation

The report said that while no immediate ratings implications are forthcoming, sophisticated models that are fully embedded in the financial management of a large insurance group could be viewed