Prognosis '96 Insurance

Positives

-- Life insurers are holding on to their share of retirement assets.

-- Property-casualty writers are increasing reserves for environmental claims.

-- Losses from claims are moderating.

Negatives

-- Much of the industry's increased capital is coming from investment gains, not core earnings.

-- With 2,400 competitors, the business is ripe for consolidation.

PROGNOSIS '96--INSURANCE
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