AFLAC Incorporated (AFL)
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AII: the Florida homeowners bet now keeps more risk
American Integrity is a newly public but seasoned Florida residential property insurer. The latest filings show 437,308 policies in force, $974.8 million of in-force premium, a 75.0% Q1 combined ratio and a reduced non-catastrophe quota share that lets AII kee
OpenAFL: the dividend streak is real, but Japan and the yen still run the model
Aflac is a high-return supplemental insurer with a real capital-return engine, but its quality case still depends on Japan premium trends, yen translation, regulatory capital and investment marks.
OpenAmerican Coastal: the Florida hurricane bet that looks brilliant until the weather votes
American Coastal is a concentrated Florida commercial property insurer with excellent recent combined ratios, fast book-value growth, and a fresh catastrophe-bond layer. The hard part is that nearly every attractive metric depends on hurricane losses, reinsura
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