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Insurance Companies’ Earnings Credit Rates Lag Market

Second quarter results are in, and NDepth Bank Fee Analysis revealed that Insurance companies are earning well below market rate on their cash balances.

Key findings include:

  • Insurance company net earnings credit rates were more than 1.25% below other investment options, resulting in an annual opportunity cost of $127,000 for every $10 million in deposit balances.
  • ECRs varied widely among Insurance companies, even at identical balance levels.
  • ECRs for Insurance companies were higher than for other companies, but still below market.
  • Balance Assessment Fees further depressed Insurance company returns.

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