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For insurance, the loss ratio is the ratio of total losses incurred (paid and reserved) in claims plus adjustment expenses divided by the total premiums earned. [1] For example, if an insurance company pays $60 in claims for every $100 in collected premiums, then its loss ratio is 60% with a profit ratio/gross margin of 40% or $40.
An expense ratio is the cost of owning a mutual fund or ETF. Think of the expense ratio as the management fee paid to the fund company for the benefit of owning the fund. The expense ratio is ...
Medical care ratio ( MCR ), also known as medical cost ratio, medical loss ratio, and medical benefit ratio, is a metric used in managed health care and health insurance to measure medical costs as a percentage of premium revenues. [1] It is a type of loss ratio, which is a common metric in insurance measuring the percentage of premiums paid ...
The expense ratio of a stock or asset fund is the total percentage of fund assets used for administrative, management, advertising (12b-1), and all other expenses. An expense ratio of 1% per annum means that each year 1% of the fund's total assets will be used to cover expenses. [1] The expense ratio does not include sales loads or brokerage ...
The expense ratio is one of those essential terms. Stocks don't have expense ratios, but funds do: mutual funds, exchange-traded funds (ETFs) and index funds. What Is an Expense Ratio?
In insurance, incurred but not reported ( IBNR) claims is the amount owed by an insurer to all valid claimants who have had a covered loss but have not yet reported it. Since the insurer knows neither how many of these losses have occurred, nor the severity of each loss, IBNR is necessarily an estimate. The sum of IBNR losses plus reported ...
It’s much easier to simply buy shares of a S&P 500 ETF and paying a small fee in the form of an expense ratio is absolutely worth it. It’s when those fees creep into the 2% or higher range ...
Loss reserving is the calculation of the required reserves for a tranche of insurance business, [1] including outstanding claims reserves . Typically, the claims reserves represent the money which should be held by the insurer so as to be able to meet all future claims arising from policies currently in force and policies written in the past.