FDU-INS General Insurance — Developed Markets Growth Strategy
Method: Combined Ratio Improvement Trajectory + Market Share + Pricing Power
Key Metrics
| Metric | Target | Drivers |
|---|---|---|
| Combined Ratio Trend | Moving toward 90% | Underwriting discipline, expense control |
| Premium Growth | 7-10% YoY | Market share gains or pricing increases |
| Expense Ratio Decline | -100 to -200 bps | Scale, automation, distribution efficiency |
| Investment Yield Stability | Maintained | Avoid portfolio duration extension as rates may fall |
| Retention Rate | >85% | Customer loyalty; higher is better |