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Home/Financial Foundation/LIFE INSURANCE UNDERWRITING

Progressive's Underwriting Efficiency Drives a Decade of S&P 500 Outperformance

EW

Ezra Winters

life insurance underwriting · Apr 14, 2026

Progressive's Underwriting Efficiency Drives a Decade of S&P 500 Outperformance

Source: DojiDoji Data Terminal

Progressive stock has outperformed the S&P 500 over the past 10 years, dividends included. This performance is driven by underwriting that matches rates to risk, allowing the company to maintain a combined ratio below 90% in 2025. This figure exceeds management's stated goal of keeping the ratio below 96%.

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Life Insurance Applicants Now Bypass Patient Portal Logins for Medical Record Retrieval

Life insurance applicants will no longer be required to enter medical portal login credentials to share their health data with insurers. This change comes through an exclusive agreement between MIB and Agentic Healthcare, which introduces Individual Access Services (IAS) to the MIB EHR. Applicants can now authorize the retrieval of their medical records via the MIB EHR, leveraging Agentic's identity verification partnership with CLEAR. The service expands MIB's reach to regional and statewide Health Information Exchanges (HIEs), particularly in states with large rural areas like California and Texas. Insurers using the MIB EHR retrieval service now access applicant data through a single interface. This streamlines the underwriting process by eliminating the need for multiple patient portal credentials.

Earnings per share rose from $14.40 to $19.23 last year. The company added 3.7 million new policies in force and $9 billion in additional written premiums compared to the previous year. Because profits were high in 2025, the company paid a variable dividend of $13.50 per share in January.

Related Brief13h ago
equity investing

Cathie Wood's $11 Million Palantir Purchase Stabilizes Stock Amid AI Disruption Fears

Palantir shares rose nearly 2% in premarket trading on Monday. The increase followed a disclosure that ARK Invest purchased 85,485 shares of Palantir across five ARK ETFs. The investment was valued at approximately $11.15 million. This purchase served as a signal of confidence in the data analytics company as software sector volatility continues amid fears that AI-native competitors may disrupt traditional enterprise software layers.

life insurance underwriting

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