https://www.neamgroup.com/securities-disclaimer/non-ushttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORS2016-07-15https://www.neamgroup.com/careershttps://www.neamgroup.com/hubfs/2022%20NEAM%20P_Malinics%20BW.png2022NEAMPMalinicsBW2022NEAMPMalinicsBWhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/assets/images/2022%20NEAM%20E_Vassar%20BW.pngEricVassar2022NEAMEVassarBWhttps://www.neamgroup.com/hubfs/assets/images/web__0045_2022-NEAM-G_Plona_BW.jpg.pngweb00452022NEAMGPlonaBWjpgweb00452022NEAMGPlonaBWjpghttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/web__0052_2022-NEAM-J_Bello_BW.jpg.pngweb00522022NEAMJBelloBWjpgweb00522022NEAMJBelloBWjpghttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/Photo%20Refresh%202025/careers.jpgcareerscareershttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/2024%20NEAM%20S_Toncelli_BW.png2024NEAMSToncelliBW2024NEAMSToncelliBWhttps://www.neamgroup.com/hubfs/assets/images/web__0005_2022-NEAM-B_Andrew-Berry_BW.jpg.pngweb00052022NEAMBAndrewBerryBWjpgweb00052022NEAMBAndrewBerryBWjpghttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTop2025-07-29https://www.neamgroup.com/insights/alternative-investments-sirens-of-promised-rapturehttps://www.neamgroup.com/hubfs/articles/NEAM-Chart-2-Sharpe-Ratios-and-99.5-Tail-Value-at-Risk-Metrics.jpgNEAMChart2SharpeRatiosand995TailValueatRiskMetricsNEAMChart2SharpeRatiosand995TailValueatRiskMetricshttps://www.neamgroup.com/hubfs/articles/NEAM-Table-3-Asset-Allocation-Comparative-Highlights.jpgNEAMTable3AssetAllocationComparativeHighlightsNEAMTable3AssetAllocationComparativeHighlightshttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/articles/NEAM-Chart-3-Mean-Variance-Efficient-Frontier.jpgNEAMChart3MeanVarianceEfficientFrontierNEAMChart3MeanVarianceEfficientFrontierhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/articles/NEAM-Chart-1-Annual-Total-Return-and-Risk-Standard-Deviation-Metrics.jpgNEAMChart1AnnualTotalReturnandRiskStandardDeviationMetricsNEAMChart1AnnualTotalReturnandRiskStandardDeviationMetricshttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/articles/NEAM-Table-1-US-Property-Casualty-Invested-Assets.jpgNEAMTable1USPropertyCasualtyInvestedAssetsNEAMTable1USPropertyCasualtyInvestedAssetshttps://www.neamgroup.com/hubfs/articles/NEAM-Table-2-Asset-Allocation-Highlights.jpgNEAMTable2AssetAllocationHighlightsNEAMTable2AssetAllocationHighlightshttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/NEAM-James-E-Bachman.pngNEAMJamesEBachmanNEAMJamesEBachmanhttps://www.neamgroup.com/hubfs/articles/NEAM-Chart-4-Efficient-Frontier-With-and-Without-Alternative-Investments.jpgNEAMChart4EfficientFrontierWithandWithoutAlternativeInvestmentsNEAMChart4EfficientFrontierWithandWithoutAlternativeInvestments2016-08-15https://www.neamgroup.com/job-board-archivedhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdown2016-06-14https://www.neamgroup.com/insights/the-power-of-carry-sustaining-durable-yields-in-2026https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/articles/2026/Quick%20Takes%20-%20Power%20of%20Carry/NEAMgroup_01_ice_bofa_aggregate_bond_index.jpgNEAMgroup01icebofaaggregatebondindexNEAMgroup01icebofaaggregatebondindexhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/Authors/NEAM-Jennifer-Quisenberry.pngNEAMJenniferQuisenberryNEAMJenniferQuisenberryhttps://www.neamgroup.com/hubfs/articles/2026/Quick%20Takes%20-%20Power%20of%20Carry/power-of-carry.jpgpowerofcarrypowerofcarryhttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/articles/2026/Quick%20Takes%20-%20Power%20of%20Carry/NEAMgroup_05_projected_1year_horizon_return_pc_industry.jpgNEAMgroup05projected1yearhorizonreturnpcindustryNEAMgroup05projected1yearhorizonreturnpcindustryhttps://www.neamgroup.com/hubfs/articles/2026/Quick%20Takes%20-%20Power%20of%20Carry/NEAMgroup_04_historical_yield_ranges.jpgNEAMgroup04historicalyieldrangesNEAMgroup04historicalyieldrangeshttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/articles/2026/Quick%20Takes%20-%20Power%20of%20Carry/NEAMgroup_03_2025_sector_returns.jpgNEAMgroup032025sectorreturnsNEAMgroup032025sectorreturnshttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/articles/2026/Quick%20Takes%20-%20Power%20of%20Carry/NEAMgroup_02_yield_curve_shift_2025.jpgNEAMgroup02yieldcurveshift2025NEAMgroup02yieldcurveshift20252026-01-20https://www.neamgroup.com/insights/2020-u.s.-life-industry-investment-highlights-liquidity-strengthened-amid-the-pandemic-while-low-yield-challenges-remainhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2021/Perspectives%20-%202020%20Life%20Industry%20Highlights/lifeindustryhighlights2020.jpglifeindustryhighlights2020lifeindustryhighlights2020https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/articles/2021/Perspectives%20-%202020%20Life%20Industry%20Highlights/NEAMgroup_earned_investment_income_contribution_sector.jpgNEAMgroupearnedinvestmentincomecontributionsectorNEAMgroupearnedinvestmentincomecontributionsectorhttps://www.neamgroup.com/hubfs/articles/2021/Perspectives%20-%202020%20Life%20Industry%20Highlights/NEAMgroup_fixed_income_sector_option_adjusted_duration.jpgNEAMgroupfixedincomesectoroptionadjusteddurationNEAMgroupfixedincomesectoroptionadjusteddurationhttps://www.neamgroup.com/hubfs/articles/2021/Perspectives%20-%202020%20Life%20Industry%20Highlights/NEAMgroup_broad_sector_asset_allocation.jpgNEAMgroupbroadsectorassetallocationNEAMgroupbroadsectorassetallocationhttps://www.neamgroup.com/hubfs/articles/2021/Perspectives%20-%202020%20Life%20Industry%20Highlights/NEAMgroup_fixed_income_sector_allocation.jpgNEAMgroupfixedincomesectorallocationNEAMgroupfixedincomesectorallocationhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/articles/2021/Perspectives%20-%202020%20Life%20Industry%20Highlights/NEAMgroup_fixed_income_duration_by_credit_rating_category.jpgNEAMgroupfixedincomedurationbycreditratingcategoryNEAMgroupfixedincomedurationbycreditratingcategoryhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/Authors/Mark-Yu.pngMarkYuMarkYuhttps://www.neamgroup.com/hubfs/articles/2021/Perspectives%20-%202020%20Life%20Industry%20Highlights/NEAMgroup_fixed_income_credit_quality.jpgNEAMgroupfixedincomecreditqualityNEAMgroupfixedincomecreditqualityhttps://www.neamgroup.com/hubfs/articles/2021/Perspectives%20-%202020%20Life%20Industry%20Highlights/NEAMgroup_fixed_income_sector_book_yield.jpgNEAMgroupfixedincomesectorbookyieldNEAMgroupfixedincomesectorbookyieldhttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2021/Perspectives%20-%202020%20Life%20Industry%20Highlights/NEAMgroup_earned_investment_income.jpgNEAMgroupearnedinvestmentincomeNEAMgroupearnedinvestmentincomehttps://www.neamgroup.com/hubfs/articles/2021/Perspectives%20-%202020%20Life%20Industry%20Highlights/NEAMgroup_fixed_income_book_yields_by_credit_rating.jpgNEAMgroupfixedincomebookyieldsbycreditratingNEAMgroupfixedincomebookyieldsbycreditratinghttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTop2021-08-23https://www.neamgroup.com/insights/financing-the-covid-19-rescue-packagehttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/Authors/Vin-Delucia.pngVinDeluciaVinDeluciahttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/articles/2020/Quick%20Takes%20-%20Financing%20COVID-19/NEAMgroup_central_bank_balance_sheets_percent_GDP.jpgNEAMgroupcentralbankbalancesheetspercentGDPNEAMgroupcentralbankbalancesheetspercentGDPhttps://www.neamgroup.com/hubfs/articles/2020/Quick%20Takes%20-%20Financing%20COVID-19/NEAMgroup_US_consumer_price_index_as_measure_of_inflaction.jpgNEAMgroupUSconsumerpriceindexasmeasureofinflactionNEAMgroupUSconsumerpriceindexasmeasureofinflactionhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/articles/2020/Quick%20Takes%20-%20Financing%20COVID-19/financingcovid19.jpgfinancingcovid19financingcovid19https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearch2020-06-03https://www.neamgroup.com/insights/returns-and-yields-2017https://www.neamgroup.com/hubfs/articles/2017/Quick%20Takes%20-%20Returns%20and%20Yields/NEAM-group-2016-indicative-yield-and-spreads.jpgNEAMgroup2016indicativeyieldandspreadsNEAMgroup2016indicativeyieldandspreadshttps://www.neamgroup.com/hubfs/articles/2017/Quick%20Takes%20-%20Returns%20and%20Yields/NEAM-group-2017-PC-industry-approximate-fixed-income-sector-allocation.jpgNEAMgroup2017PCindustryapproximatefixedincomesectorallocationNEAMgroup2017PCindustryapproximatefixedincomesectorallocationhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/Authors/Vin-Delucia.pngVinDeluciaVinDeluciahttps://www.neamgroup.com/hubfs/articles/2017/Quick%20Takes%20-%20Returns%20and%20Yields/returnsandyields.jpgreturnsandyieldsreturnsandyieldshttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/articles/2017/Quick%20Takes%20-%20Returns%20and%20Yields/NEAM-group-projected-returns-across-various-rate-and-spread-scenarios.jpgNEAMgroupprojectedreturnsacrossvariousrateandspreadscenariosNEAMgroupprojectedreturnsacrossvariousrateandspreadscenarioshttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/articles/2017/Quick%20Takes%20-%20Returns%20and%20Yields/NEAM-group-2017-PC-industry-one-year-projected-fixed-income-return-distribution-and-risk-measures.jpgNEAMgroup2017PCindustryoneyearprojectedfixedincomereturndistributionandriskmeasuresNEAMgroup2017PCindustryoneyearprojectedfixedincomereturndistributionandriskmeasures2017-02-02https://www.neamgroup.com/insights/2022-u.s.-life-industry-investment-highlights-book-yield-boostedhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/articles/2023/Perspectives%20-%20Life%20Industry%20Investment%20Highlights%20(2022%20data)/NEAMgroup_C01_fixed_income_sector_allocation.jpgNEAMgroupC01fixedincomesectorallocationNEAMgroupC01fixedincomesectorallocationhttps://www.neamgroup.com/hubfs/articles/2023/Perspectives%20-%20Life%20Industry%20Investment%20Highlights%20(2022%20data)/NEAMgroup_T06_fixed_income_duration_credit_rating_category.jpgNEAMgroupT06fixedincomedurationcreditratingcategoryNEAMgroupT06fixedincomedurationcreditratingcategoryhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/articles/2023/Perspectives%20-%20Life%20Industry%20Investment%20Highlights%20(2022%20data)/NEAMgroup_T02_earned_investment_income.jpgNEAMgroupT02earnedinvestmentincomeNEAMgroupT02earnedinvestmentincomehttps://www.neamgroup.com/hubfs/articles/2023/Perspectives%20-%20Life%20Industry%20Investment%20Highlights%20(2022%20data)/NEAMgroup_T03_earned_investment_income_contribution_sector.jpgNEAMgroupT03earnedinvestmentincomecontributionsectorNEAMgroupT03earnedinvestmentincomecontributionsectorhttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/Authors/Mark-Yu.pngMarkYuMarkYuhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/articles/2023/Perspectives%20-%20Life%20Industry%20Investment%20Highlights%20(2022%20data)/NEAMgroup_T05_fixed_income_sector_OAD.jpgNEAMgroupT05fixedincomesectorOADNEAMgroupT05fixedincomesectorOADhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/articles/2023/Perspectives%20-%20Life%20Industry%20Investment%20Highlights%20(2022%20data)/NEAMgroup_T01_broad_sector_asset_allocation.jpgNEAMgroupT01broadsectorassetallocationNEAMgroupT01broadsectorassetallocationhttps://www.neamgroup.com/hubfs/articles/2023/Perspectives%20-%20Life%20Industry%20Investment%20Highlights%20(2022%20data)/NEAMgroup_C03_fixed_income_book_yields.jpgNEAMgroupC03fixedincomebookyieldsNEAMgroupC03fixedincomebookyieldshttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/articles/2023/Perspectives%20-%20Life%20Industry%20Investment%20Highlights%20(2022%20data)/lifeinvestmenthighlights2023.jpglifeinvestmenthighlights2023lifeinvestmenthighlights2023https://www.neamgroup.com/hubfs/articles/2023/Perspectives%20-%20Life%20Industry%20Investment%20Highlights%20(2022%20data)/NEAMgroup_T04_fixed_income_sector_book_yields.jpgNEAMgroupT04fixedincomesectorbookyieldsNEAMgroupT04fixedincomesectorbookyieldshttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/articles/2023/Perspectives%20-%20Life%20Industry%20Investment%20Highlights%20(2022%20data)/NEAMgroup_C02_fixed_income_credit_quality.jpgNEAMgroupC02fixedincomecreditqualityNEAMgroupC02fixedincomecreditqualityhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORS2023-08-24https://www.neamgroup.com/insights/the-dazzling-decadehttps://www.neamgroup.com/hubfs/articles/2019/Outlook%20-%201Q%2019%20Equity/NEAMgroup-us-and-international-equity-returns-vs-us-trade-deficit.jpgNEAMgroupusandinternationalequityreturnsvsustradedeficitNEAMgroupusandinternationalequityreturnsvsustradedeficithttps://www.neamgroup.com/hubfs/articles/2019/Outlook%20-%201Q%2019%20Equity/dazzlingdecade.jpgdazzlingdecadedazzlingdecadehttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/articles/2019/Outlook%20-%201Q%2019%20Equity/NEAMgroup-world-ex-us-real-gdp-growth-rate-differential.jpgNEAMgroupworldexusrealgdpgrowthratedifferentialNEAMgroupworldexusrealgdpgrowthratedifferentialhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/Authors/Michele-Matzinger.pngMicheleMatzingerMicheleMatzingerhttps://www.neamgroup.com/hubfs/articles/2019/Outlook%20-%201Q%2019%20Equity/NEAMgroup-10-year-rolling-spread.jpgNEAMgroup10yearrollingspreadNEAMgroup10yearrollingspreadhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford20242019-05-03https://www.neamgroup.com/insights/translating-europes-humanitarian-crisis-into-a-meaningful-economic-eventhttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/articles/The-Demographic-Challenge-Change-in-Working-Age-Population.jpgTheDemographicChallengeChangeinWorkingAgePopulationTheDemographicChallengeChangeinWorkingAgePopulationhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/articles/NEAM-Chart-1The-Demographic-Challenge-Change-in-Working-Age-Population-2014-2100.pngNEAMChart1TheDemographicChallengeChangeinWorkingAgePopulation20142100NEAMChart1TheDemographicChallengeChangeinWorkingAgePopulation20142100https://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/Authors/John-Dockery.pngJohnDockeryJohnDockeryhttps://www.neamgroup.com/hubfs/articles/NEAM-Chart-2-Unemployment-Rate-and-Per-Capita-GDP.pngNEAMChart2UnemploymentRateandPerCapitaGDPNEAMChart2UnemploymentRateandPerCapitaGDPhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORS2016-04-13https://www.neamgroup.com/insights/the-earnings-cycle-sluggish-top-line-growth-driving-mahttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/articles/NEAM-Risk-Pricing-and-the-M-and-A-Cycle.jpgNEAMRiskPricingandtheMandACycleNEAMRiskPricingandtheMandACyclehttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/Authors/Michele-Matzinger.pngMicheleMatzingerMicheleMatzingerhttps://www.neamgroup.com/hubfs/articles/NEAM-North-America-M-and-A-Growth-vs-S-and-P-500-Revenue-Growth-Inverted.jpgNEAMNorthAmericaMandAGrowthvsSandP500RevenueGrowthInvertedNEAMNorthAmericaMandAGrowthvsSandP500RevenueGrowthInvertedhttps://www.neamgroup.com/hubfs/articles/NEAM-M-and-A.jpgNEAMMandANEAMMandAhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/articles/NEAM-Downward-Trend-in-Rates-and-Volatility.jpgNEAMDownwardTrendinRatesandVolatilityNEAMDownwardTrendinRatesandVolatilityhttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/articles/NEAM-Correlation-Between-VIX-and-North-American-Mand-A-Volume.jpgNEAMCorrelationBetweenVIXandNorthAmericanMandAVolumeNEAMCorrelationBetweenVIXandNorthAmericanMandAVolumehttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearch2016-08-11https://www.neamgroup.com/insights/u.s.-airports-turbulent-conditions-will-persisthttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/articles/2020/Quick%20Takes%20-%20U.S.%20Airports/NEAMgroup_days_cash_callout.jpgNEAMgroupdayscashcalloutNEAMgroupdayscashcallouthttps://www.neamgroup.com/hubfs/Authors/Harold-B-Hawkins.pngHaroldBHawkinsHaroldBHawkinshttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/articles/2020/Quick%20Takes%20-%20U.S.%20Airports/NEAMgroup_airport_passenger_volumes.jpgNEAMgroupairportpassengervolumesNEAMgroupairportpassengervolumeshttps://www.neamgroup.com/hubfs/articles/2020/Quick%20Takes%20-%20U.S.%20Airports/NEAMgroup_airport_yields_vs_broad_market.jpgNEAMgroupairportyieldsvsbroadmarketNEAMgroupairportyieldsvsbroadmarkethttps://www.neamgroup.com/hubfs/articles/2020/Quick%20Takes%20-%20U.S.%20Airports/NEAMgroup_airport_revenue_components.jpgNEAMgroupairportrevenuecomponentsNEAMgroupairportrevenuecomponentshttps://www.neamgroup.com/hubfs/articles/2020/Quick%20Takes%20-%20U.S.%20Airports/NEAMgroup_us_enplaned_passengers.jpgNEAMgroupusenplanedpassengersNEAMgroupusenplanedpassengershttps://www.neamgroup.com/hubfs/articles/2020/Quick%20Takes%20-%20U.S.%20Airports/airports.jpgairportsairportshttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTop2020-11-24https://www.neamgroup.com/insights/shifting-sands-uk-regulatory-reforms-their-implications-for-london-market-insurershttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/articles/2023/Quick%20Takes%20-%20Shifting%20Sands/NEAMgroup_rui_quote04.jpgNEAMgroupruiquote04NEAMgroupruiquote04https://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2023/Quick%20Takes%20-%20Shifting%20Sands/NEAMgroup_rui_quote03.jpgNEAMgroupruiquote03NEAMgroupruiquote03https://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/articles/2023/Quick%20Takes%20-%20Shifting%20Sands/NEAMgroup_rui_quote01.jpgNEAMgroupruiquote01NEAMgroupruiquote01https://www.neamgroup.com/hubfs/articles/2023/Quick%20Takes%20-%20Shifting%20Sands/shiftingsands.jpgshiftingsandsshiftingsandshttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/Authors/NEAM-Rui-Wang.pngNEAMRuiWangNEAMRuiWanghttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/articles/2023/Quick%20Takes%20-%20Shifting%20Sands/NEAMgroup_rui_quote02.jpgNEAMgroupruiquote02NEAMgroupruiquote02https://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowus2023-10-09https://www.neamgroup.com/insights/monthly-economic-highlights-november-2023https://www.neamgroup.com/hubfs/articles/2023/Outlook%20-%20June%202023/outlook.jpgoutlookoutlookhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/articles/2023/Outlook%20-%20November%202023/NEAMgroup_outlook_nov2023_07.jpgNEAMgroupoutlooknov202307NEAMgroupoutlooknov202307https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/articles/2023/Outlook%20-%20November%202023/NEAMgroup_outlook_nov2023_06.jpgNEAMgroupoutlooknov202306NEAMgroupoutlooknov202306https://www.neamgroup.com/hubfs/articles/2023/Outlook%20-%20November%202023/NEAMgroup_outlook_nov2023_04.jpgNEAMgroupoutlooknov202304NEAMgroupoutlooknov202304https://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2023/Outlook%20-%20November%202023/NEAMgroup_outlook_nov2023_08.jpgNEAMgroupoutlooknov202308NEAMgroupoutlooknov202308https://www.neamgroup.com/hubfs/articles/2023/Outlook%20-%20November%202023/NEAMgroup_outlook_nov2023_01.jpgNEAMgroupoutlooknov202301NEAMgroupoutlooknov202301https://www.neamgroup.com/hubfs/articles/2023/Outlook%20-%20November%202023/NEAMgroup_outlook_nov2023_03.jpgNEAMgroupoutlooknov202303NEAMgroupoutlooknov202303https://www.neamgroup.com/hubfs/Authors/Coley-Lynch.pngColeyLynchColeyLynchhttps://www.neamgroup.com/hubfs/articles/2023/Outlook%20-%20November%202023/NEAMgroup_outlook_nov2023_02.jpgNEAMgroupoutlooknov202302NEAMgroupoutlooknov202302https://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/articles/2023/Outlook%20-%20November%202023/NEAMgroup_outlook_nov2023_05.jpgNEAMgroupoutlooknov202305NEAMgroupoutlooknov202305https://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearch2023-11-07https://www.neamgroup.com/insights/2012-life-investment-highlights-favorable-operating-trend-continues-but-how-long-will-it-persisthttps://www.neamgroup.com/hubfs/articles/NEAM-Table-6-Fixed-Income-Duration-by-Rating-Category.jpgNEAMTable6FixedIncomeDurationbyRatingCategoryNEAMTable6FixedIncomeDurationbyRatingCategoryhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/articles/NEAM-Table-3-Fixed-Income-Sector-Allocation-III.jpgNEAMTable3FixedIncomeSectorAllocationIIINEAMTable3FixedIncomeSectorAllocationIIIhttps://www.neamgroup.com/hubfs/articles/NEAM-Table-2-Earned-Investment-Income-by-Broad-Asset-Class-inBillions-and-Fixed-Income.jpgNEAMTable2EarnedInvestmentIncomebyBroadAssetClassinBillionsandFixedIncomeNEAMTable2EarnedInvestmentIncomebyBroadAssetClassinBillionsandFixedIncomehttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/articles/NEAM-Table-5-Fixed-Income-Sector-Book-Yield.jpgNEAMTable5FixedIncomeSectorBookYieldNEAMTable5FixedIncomeSectorBookYieldhttps://www.neamgroup.com/hubfs/articles/NEAM-Chart-2-Life-Broad-Sector-Asset-Allocation-III.jpgNEAMChart2LifeBroadSectorAssetAllocationIIINEAMChart2LifeBroadSectorAssetAllocationIIIhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/Authors/Mark-Yu.pngMarkYuMarkYuhttps://www.neamgroup.com/hubfs/articles/NEAM-Table-4-Fixed-Income-Sector-Option-Adjusted-Duration-OAD.jpgNEAMTable4FixedIncomeSectorOptionAdjustedDurationOADNEAMTable4FixedIncomeSectorOptionAdjustedDurationOADhttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/articles/NEAM-Chart-1-Statutory-Investment-Results-before-Taxes-and-Expenses-in-Billions.jpgNEAMChart1StatutoryInvestmentResultsbeforeTaxesandExpensesinBillionsNEAMChart1StatutoryInvestmentResultsbeforeTaxesandExpensesinBillionshttps://www.neamgroup.com/hubfs/articles/NEAM-Table-1-Life-Industry-Highlights-in-Billions-except-Return-on-Equity-1.jpgNEAMTable1LifeIndustryHighlightsinBillionsexceptReturnonEquity1NEAMTable1LifeIndustryHighlightsinBillionsexceptReturnonEquity1https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/articles/NEAM-Chart-3-Fixed-Income-Credit-Quality-III.jpgNEAMChart3FixedIncomeCreditQualityIIINEAMChart3FixedIncomeCreditQualityIIIhttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/articles/NEAM-Table-7-Fixed-Income-Book-Yields-by-Rating-Category.jpgNEAMTable7FixedIncomeBookYieldsbyRatingCategoryNEAMTable7FixedIncomeBookYieldsbyRatingCategory2016-05-18https://www.neamgroup.com/insights/the-macron-merkel-plan-and-what-it-means-for-the-euhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/articles/2020/Quick%20Takes%20-%20Macron%20Merkel%20Plan%20and%20EU/NEAMgroup_north_vs_south_annual_population_weighted_GDP_per_capita_vs_euro_area_member.jpgNEAMgroupnorthvssouthannualpopulationweightedGDPpercapitavseuroareamemberNEAMgroupnorthvssouthannualpopulationweightedGDPpercapitavseuroareamemberhttps://www.neamgroup.com/hubfs/articles/2020/Quick%20Takes%20-%20Macron%20Merkel%20Plan%20and%20EU/NEAMgroup_euro_reaction_to_macron_merkel_plan_eur_usd_spot_fx_rate.jpgNEAMgroupeuroreactiontomacronmerkelplaneurusdspotfxrateNEAMgroupeuroreactiontomacronmerkelplaneurusdspotfxratehttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/articles/2020/Quick%20Takes%20-%20Macron%20Merkel%20Plan%20and%20EU/macronmerkelplanEU.jpgmacronmerkelplanEUmacronmerkelplanEUhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/Authors/NEAM-Simon-O-Flaherty.pngNEAMSimonOFlahertyNEAMSimonOFlahertyhttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORS2020-09-29https://www.neamgroup.com/insights/quick-takes-securitization-and-the-theory-of-evolutionhttps://www.neamgroup.com/hubfs/chart3-comparative-yields.jpgchart3comparativeyieldschart3comparativeyieldshttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/articles/Whats-New-Whats-In-Whats-Out.jpgWhatsNewWhatsInWhatsOutWhatsNewWhatsInWhatsOuthttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/Authors/NEAM-Jennifer-Quisenberry.pngNEAMJenniferQuisenberryNEAMJenniferQuisenberryhttps://www.neamgroup.com/hubfs/articles/NEAM-AAA-Credit-Enhancement-Levels.jpgNEAMAAACreditEnhancementLevelsNEAMAAACreditEnhancementLevelshttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/secur-evolut.pngsecurevolutsecurevoluthttps://www.neamgroup.com/hubfs/articles/NEAM-US-Home-Prices-Shiller.jpgNEAMUSHomePricesShillerNEAMUSHomePricesShillerhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterR2016-08-15https://www.neamgroup.com/insights/navigating-workers-comp-investment-portfolios-threats-opportunitieshttps://www.neamgroup.com/hubfs/Authors/NEAM-phil-lee.pngNEAMphilleeNEAMphilleehttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/articles/2024/Perspectives%20-%20Navigating%20Workers%20Comp%20Investment%20Portfolios/workerscompnav.jpgworkerscompnavworkerscompnavhttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/articles/2024/Perspectives%20-%20Navigating%20Workers%20Comp%20Investment%20Portfolios/NEAMgroup_03_invested_assets_sector_composition.jpgNEAMgroup03investedassetssectorcompositionNEAMgroup03investedassetssectorcompositionhttps://www.neamgroup.com/hubfs/articles/2024/Perspectives%20-%20Navigating%20Workers%20Comp%20Investment%20Portfolios/NEAMgroup_04_risk_assets_percent_surplus.jpgNEAMgroup04riskassetspercentsurplusNEAMgroup04riskassetspercentsurplushttps://www.neamgroup.com/hubfs/articles/2024/Perspectives%20-%20Navigating%20Workers%20Comp%20Investment%20Portfolios/NEAMgroup_01_surplus_invested_assets_premium_reserves.jpgNEAMgroup01surplusinvestedassetspremiumreservesNEAMgroup01surplusinvestedassetspremiumreserveshttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2024/Perspectives%20-%20Navigating%20Workers%20Comp%20Investment%20Portfolios/NEAMgroup_02_net_investment_income.jpgNEAMgroup02netinvestmentincomeNEAMgroup02netinvestmentincomehttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2024/Perspectives%20-%20Navigating%20Workers%20Comp%20Investment%20Portfolios/NEAMgroup_06_comparison_fixed_income_portfolio_book_yield.jpgNEAMgroup06comparisonfixedincomeportfoliobookyieldNEAMgroup06comparisonfixedincomeportfoliobookyieldhttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/articles/2024/Perspectives%20-%20Navigating%20Workers%20Comp%20Investment%20Portfolios/NEAMgroup_05_comparison_fixed_income_portfolio_book_yield.jpgNEAMgroup05comparisonfixedincomeportfoliobookyieldNEAMgroup05comparisonfixedincomeportfoliobookyieldhttps://www.neamgroup.com/hubfs/articles/2024/Perspectives%20-%20Navigating%20Workers%20Comp%20Investment%20Portfolios/NEAMgroup_08_fixed_income_credit_quality_distribution.jpgNEAMgroup08fixedincomecreditqualitydistributionNEAMgroup08fixedincomecreditqualitydistributionhttps://www.neamgroup.com/hubfs/articles/2024/Perspectives%20-%20Navigating%20Workers%20Comp%20Investment%20Portfolios/NEAMgroup_07_comparison_fixed_income_sector_allocation.jpgNEAMgroup07comparisonfixedincomesectorallocationNEAMgroup07comparisonfixedincomesectorallocationhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/articles/2024/Perspectives%20-%20Navigating%20Workers%20Comp%20Investment%20Portfolios/NEAMgroup_09_comparison_fixed_income_OAD.jpgNEAMgroup09comparisonfixedincomeOADNEAMgroup09comparisonfixedincomeOAD2024-04-30https://www.neamgroup.com/please-stand-byhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowus2016-12-14https://www.neamgroup.com/insights/the-risk-of-complacencyhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/articles/NEAM-Group-US-Net-Corporate-Cash-Flow-Deficit.jpgNEAMGroupUSNetCorporateCashFlowDeficitNEAMGroupUSNetCorporateCashFlowDeficithttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/articles/NEAM-Group-Complacency.jpgNEAMGroupComplacencyNEAMGroupComplacencyhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/articles/riskofcomplacency.jpgriskofcomplacencyriskofcomplacencyhttps://www.neamgroup.com/hubfs/Authors/Michele-Matzinger.pngMicheleMatzingerMicheleMatzingerhttps://www.neamgroup.com/hubfs/articles/NEAM-Group-Market-Signals.jpgNEAMGroupMarketSignalsNEAMGroupMarketSignals2017-01-25https://www.neamgroup.com/insights/goodwill-other-intangibles-impact-on-capital-matters-for-insurershttps://www.neamgroup.com/hubfs/articles/2020/Perspectives%20-%20Goodwill%20and%20Other%20Intangibles/NEAMgroup_decomposition_property_casualty_MC_summary_statistics.jpgNEAMgroupdecompositionpropertycasualtyMCsummarystatisticsNEAMgroupdecompositionpropertycasualtyMCsummarystatisticshttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/articles/2020/Perspectives%20-%20Goodwill%20and%20Other%20Intangibles/NEAMgroup_summary_statistics_for_79_reporting_goodwill.jpgNEAMgroupsummarystatisticsfor79reportinggoodwillNEAMgroupsummarystatisticsfor79reportinggoodwillhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/articles/2020/Perspectives%20-%20Goodwill%20and%20Other%20Intangibles/goodwillintangibles.jpggoodwillintangiblesgoodwillintangibleshttps://www.neamgroup.com/hubfs/articles/2020/Perspectives%20-%20Goodwill%20and%20Other%20Intangibles/NEAMgroup_summary_statistics_for_insurance_industry_segment_GAA_Filers.jpgNEAMgroupsummarystatisticsforinsuranceindustrysegmentGAAFilersNEAMgroupsummarystatisticsforinsuranceindustrysegmentGAAFilershttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/NEAM-James-E-Bachman.pngNEAMJamesEBachmanNEAMJamesEBachmanhttps://www.neamgroup.com/hubfs/articles/2020/Perspectives%20-%20Goodwill%20and%20Other%20Intangibles/NEAMgroup_decomposition_life_annuity_MC_summary_statistics.jpgNEAMgroupdecompositionlifeannuityMCsummarystatisticsNEAMgroupdecompositionlifeannuityMCsummarystatisticshttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTop2020-05-19https://www.neamgroup.com/media-center/gen-re-announces-that-gerard-lynch-of-gr-neam-to-retire-william-rotatori-to-become-ceo-chip-clark-to-become-presidenthttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearch2016-06-13https://www.neamgroup.com/insights/trade-winds-april-2024https://www.neamgroup.com/hubfs/articles/2024/Trade%20Winds%20-%20April%202024/NEAMgroup_01_tradewinds_mar2024.jpgNEAMgroup01tradewindsmar2024NEAMgroup01tradewindsmar2024https://www.neamgroup.com/hubfs/articles/2024/Trade%20Winds%20-%20April%202024/NEAMgroup_02_tradewinds_mar2024.jpgNEAMgroup02tradewindsmar2024NEAMgroup02tradewindsmar2024https://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/articles/2024/Trade%20Winds%20-%20April%202024/NEAMgroup_06_tradewinds_mar2024.jpgNEAMgroup06tradewindsmar2024NEAMgroup06tradewindsmar2024https://www.neamgroup.com/hubfs/articles/tradewinds.jpgtradewindstradewindshttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/Authors/Coley-Lynch.pngColeyLynchColeyLynchhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/articles/2024/Trade%20Winds%20-%20April%202024/NEAMgroup_03_tradewinds_mar2024.jpgNEAMgroup03tradewindsmar2024NEAMgroup03tradewindsmar2024https://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2024/Trade%20Winds%20-%20April%202024/NEAMgroup_04_tradewinds_mar2024.jpgNEAMgroup04tradewindsmar2024NEAMgroup04tradewindsmar2024https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/articles/2024/Trade%20Winds%20-%20April%202024/NEAMgroup_07_tradewinds_mar2024.jpgNEAMgroup07tradewindsmar2024NEAMgroup07tradewindsmar2024https://www.neamgroup.com/hubfs/articles/2024/Trade%20Winds%20-%20April%202024/NEAMgroup_08_tradewinds_mar2024.jpgNEAMgroup08tradewindsmar2024NEAMgroup08tradewindsmar20242024-04-04https://www.neamgroup.com/our-teamhttps://www.neamgroup.com/hubfs/Authors/Christian-Auger.pngChristianAugerChristianAugerhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/Authors/NEAM-Jennifer-Quisenberry.pngNEAMJenniferQuisenberryNEAMJenniferQuisenberryhttps://www.neamgroup.com/hubfs/NEAM-Henry-A-TrzuPek.pngNEAMHenryATrzuPekNEAMHenryATrzuPekhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/Authors/NEAM-Bill-Wilcox.pngNEAMBillWilcoxNEAMBillWilcoxhttps://www.neamgroup.com/hubfs/Authors/Mark-Yu.pngMarkYuMarkYuhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/NEAM-Christopher-Lech.pngNEAMChristopherLechNEAMChristopherLechhttps://www.neamgroup.com/hubfs/Authors/web__NEAM-J_Fallon_BW.pngwebNEAMJFallonBWwebNEAMJFallonBWhttps://www.neamgroup.com/hubfs/assets/images/2022%20NEAM%20P_Malinics%20BW.pngPhilipMalinics2022NEAMPMalinicsBWhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/assets/images/2022%20NEAM%20E_Bates_BW.pngErikaBates2022NEAMEBatesBWhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/NEAM-William-E-Rotatori.pngNEAMWilliamERotatoriNEAMWilliamERotatorihttps://www.neamgroup.com/hubfs/assets/images/2022%20NEAM%20E_Vassar%20BW.pngEricVassar2022NEAMEVassarBWhttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/Authors/NEAM-M_Hazel_BW.pngNEAMMHazelBWNEAMMHazelBWhttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/NEAM-Robert-Emery.pngNEAMRobertEmeryNEAMRobertEmeryhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/Authors/rotanz.pngrotanzrotanzhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/Authors/NEAM-Jeff-Blanchard.pngNEAMJeffBlanchardNEAMJeffBlanchard2025-07-11https://www.neamgroup.com/insights/an-easy-to-win-trade-war-would-be-over-by-nowhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/articles/2018/Quick%20Takes%20-%20Easy%20to%20Win%20Trade%20War/NEAMgroup-us-china-em-quity-indicies.jpgNEAMgroupuschinaemquityindiciesNEAMgroupuschinaemquityindicieshttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/articles/2018/Quick%20Takes%20-%20Easy%20to%20Win%20Trade%20War/tradewar.jpgtradewartradewarhttps://www.neamgroup.com/hubfs/articles/2018/Quick%20Takes%20-%20Easy%20to%20Win%20Trade%20War/NEAMgroup-ratcheting-of-trade-tariffs-billions-USD.jpgNEAMgroupratchetingoftradetariffsbillionsUSDNEAMgroupratchetingoftradetariffsbillionsUSDhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/Authors/Vin-Delucia.pngVinDeluciaVinDeluciahttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/articles/2018/Quick%20Takes%20-%20Easy%20to%20Win%20Trade%20War/NEAMgroup-tariffs-on-chinese-goods-=estimated-weighted-average-tariff-rate.jpgNEAMgrouptariffsonchinesegoodsestimatedweightedaveragetariffrateNEAMgrouptariffsonchinesegoodsestimatedweightedaveragetariffratehttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/articles/2018/Quick%20Takes%20-%20Easy%20to%20Win%20Trade%20War/NEAMgroup-chinese-yuan-vs-USD.jpgNEAMgroupchineseyuanvsUSDNEAMgroupchineseyuanvsUSDhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORS2018-12-11https://www.neamgroup.com/insights/long-duration-targeted-improvements-ldti-implications-for-life-insurers-asset-allocationhttps://www.neamgroup.com/hubfs/articles/2022/Perspectives%20-%20LDTI/NEAMgroup_ROE_components_assumptions_Life.jpgNEAMgroupROEcomponentsassumptionsLifeNEAMgroupROEcomponentsassumptionsLifehttps://www.neamgroup.com/hubfs/articles/2022/Perspectives%20-%20LDTI/NEAMgroup_EBAA_optimization_results.jpgNEAMgroupEBAAoptimizationresultsNEAMgroupEBAAoptimizationresultshttps://www.neamgroup.com/hubfs/articles/2022/Perspectives%20-%20LDTI/LDTI.jpgLDTILDTIhttps://www.neamgroup.com/hubfs/articles/2022/Perspectives%20-%20LDTI/NEAMgroup_life_enterprise_risk_profile.jpgNEAMgrouplifeenterpriseriskprofileNEAMgrouplifeenterpriseriskprofilehttps://www.neamgroup.com/hubfs/articles/2022/Perspectives%20-%20LDTI/NEAMgroup_modern_portfolio_efficient_frontier.jpgNEAMgroupmodernportfolioefficientfrontierNEAMgroupmodernportfolioefficientfrontierhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/Authors/Mark-Yu.pngMarkYuMarkYuhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/articles/NEAM-ROE-DuPont-formula.jpgNEAMROEDuPontformulaNEAMROEDuPontformulahttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowus2022-12-06https://www.neamgroup.com/copyright-notice/non-ushttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearch2016-06-14https://www.neamgroup.com/insights/enterprise-the-intersection-of-capital-underwriting-and-investment-management-opportunitieshttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/articles/2019/Perspectives%20-%20Enterprise%20Intersection/NEAMgroup_enterprise_intersection_of_capital_insurance_investment_management.jpgNEAMgroupenterpriseintersectionofcapitalinsuranceinvestmentmanagementNEAMgroupenterpriseintersectionofcapitalinsuranceinvestmentmanagementhttps://www.neamgroup.com/hubfs/articles/2019/Perspectives%20-%20Enterprise%20Intersection/NEAMgroup_relevant_underwriting_Scenario_assumptions.jpgNEAMgrouprelevantunderwritingScenarioassumptionsNEAMgrouprelevantunderwritingScenarioassumptionshttps://www.neamgroup.com/hubfs/articles/NEAM-Group-Return-on-Equity-Calculation.pngNEAMGroupReturnonEquityCalculationNEAMGroupReturnonEquityCalculationhttps://www.neamgroup.com/hubfs/articles/2019/Perspectives%20-%20Enterprise%20Intersection/NEAMgroup_2009_to_2018_industry_combined_ratio_and_volatility.jpgNEAMgroup2009to2018industrycombinedratioandvolatilityNEAMgroup2009to2018industrycombinedratioandvolatilityhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/articles/2019/Perspectives%20-%20Enterprise%20Intersection/NEAMgroup_industry_direct_premium_and_net_to_direct_premium_percentage.jpgNEAMgroupindustrydirectpremiumandnettodirectpremiumpercentageNEAMgroupindustrydirectpremiumandnettodirectpremiumpercentagehttps://www.neamgroup.com/hubfs/articles/2019/Perspectives%20-%20Enterprise%20Intersection/NEAMgroup_sector_allocations_for_scenarios.jpgNEAMgroupsectorallocationsforscenariosNEAMgroupsectorallocationsforscenarioshttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2019/Perspectives%20-%20Enterprise%20Intersection/NEAMgroup_sample_base_case_enterprise_efficient_frontier.jpgNEAMgroupsamplebasecaseenterpriseefficientfrontierNEAMgroupsamplebasecaseenterpriseefficientfrontierhttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/NEAM-James-E-Bachman.pngNEAMJamesEBachmanNEAMJamesEBachmanhttps://www.neamgroup.com/hubfs/articles/2019/Perspectives%20-%20Enterprise%20Intersection/NEAMgroup_four_scenario_compare_asset_only_and_reinsurance_alternatives.jpgNEAMgroupfourscenariocompareassetonlyandreinsurancealternativesNEAMgroupfourscenariocompareassetonlyandreinsurancealternativeshttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/articles/2019/Perspectives%20-%20Enterprise%20Intersection/NEAMgroup_gross_and_net_combined_ratio_margins_and_volatility.jpgNEAMgroupgrossandnetcombinedratiomarginsandvolatilityNEAMgroupgrossandnetcombinedratiomarginsandvolatilityhttps://www.neamgroup.com/hubfs/articles/2019/Perspectives%20-%20Enterprise%20Intersection/enterpriseintersection.jpgenterpriseintersectionenterpriseintersection2019-12-12https://www.neamgroup.com/insights/the-changing-money-market-landscape-what-investors-need-to-knowhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/articles/NEAM-Group-Commercial-Paper-vs.-3-Month-Libor-Rates.jpgNEAMGroupCommercialPapervs3MonthLiborRatesNEAMGroupCommercialPapervs3MonthLiborRateshttps://www.neamgroup.com/hubfs/articles/NEAM-Group-Summary-of-New-Regulations-as-they-Apply-to-Various-Fund-Types.jpgNEAMGroupSummaryofNewRegulationsastheyApplytoVariousFundTypesNEAMGroupSummaryofNewRegulationsastheyApplytoVariousFundTypeshttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/articles/NEAM-Group-Money-Market-Mutual-Fund-Types.jpgNEAMGroupMoneyMarketMutualFundTypesNEAMGroupMoneyMarketMutualFundTypeshttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/articles/NEAM-Group-New-Regulations-Effective-October-14-2016.jpgNEAMGroupNewRegulationsEffectiveOctober142016NEAMGroupNewRegulationsEffectiveOctober142016https://www.neamgroup.com/hubfs/Authors/NEAM-Group-Jeffrey-Knuth.jpgNEAMGroupJeffreyKnuthNEAMGroupJeffreyKnuthhttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/articles/moneymarket.jpgmoneymarketmoneymarkethttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/articles/NEAM-Group-Trend-in-Money-Market-Fund-Assets-by-Type-of-Fund.jpgNEAMGroupTrendinMoneyMarketFundAssetsbyTypeofFundNEAMGroupTrendinMoneyMarketFundAssetsbyTypeofFund2016-09-22https://www.neamgroup.com/insights/trade-winds-october-2024https://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/Authors/Coley-Lynch.pngColeyLynchColeyLynchhttps://www.neamgroup.com/hubfs/articles/2024/Trade%20Winds%20-%20October%202024/NEAM_group_07_tradewinds_oct2024.jpgNEAMgroup07tradewindsoct2024NEAMgroup07tradewindsoct2024https://www.neamgroup.com/hubfs/articles/2024/Trade%20Winds%20-%20October%202024/NEAM_group_06_tradewinds_oct2024.jpgNEAMgroup06tradewindsoct2024NEAMgroup06tradewindsoct2024https://www.neamgroup.com/hubfs/articles/tradewinds.jpgtradewindstradewindshttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/articles/2024/Trade%20Winds%20-%20October%202024/NEAM_group_08_tradewinds_oct2024.jpgNEAMgroup08tradewindsoct2024NEAMgroup08tradewindsoct2024https://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2024/Trade%20Winds%20-%20October%202024/NEAM_group_03_tradewinds_oct2024.jpgNEAMgroup03tradewindsoct2024NEAMgroup03tradewindsoct2024https://www.neamgroup.com/hubfs/articles/2024/Trade%20Winds%20-%20October%202024/NEAM_group_05_tradewinds_oct2024.jpgNEAMgroup05tradewindsoct2024NEAMgroup05tradewindsoct2024https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/articles/2024/Trade%20Winds%20-%20October%202024/NEAM_group_01_tradewinds_oct2024.jpgNEAMgroup01tradewindsoct2024NEAMgroup01tradewindsoct2024https://www.neamgroup.com/hubfs/articles/2024/Trade%20Winds%20-%20October%202024/NEAM_group_02_tradewinds_oct2024.jpgNEAMgroup02tradewindsoct2024NEAMgroup02tradewindsoct2024https://www.neamgroup.com/hubfs/articles/2024/Trade%20Winds%20-%20October%202024/NEAM_group_04_tradewinds_oct2024.jpgNEAMgroup04tradewindsoct2024NEAMgroup04tradewindsoct2024https://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORS2024-10-03https://www.neamgroup.com/insights/the-death-of-independent-central-bankshttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/articles/2021/Quick%20Takes%20-%20Death%20of%20Independent%20Central%20Banks/NEAMgroup_01_debt_to_GDP_italy_germany.jpgNEAMgroup01debttoGDPitalygermanyNEAMgroup01debttoGDPitalygermanyhttps://www.neamgroup.com/hubfs/articles/2021/Quick%20Takes%20-%20Death%20of%20Independent%20Central%20Banks/deathofcentralbanks.jpgdeathofcentralbanksdeathofcentralbankshttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2021/Quick%20Takes%20-%20Death%20of%20Independent%20Central%20Banks/NEAMgroup_02_italy_germany_bond_yield.jpgNEAMgroup02italygermanybondyieldNEAMgroup02italygermanybondyieldhttps://www.neamgroup.com/hubfs/Authors/NEAM-Hugh-McCutcheon.pngNEAMHughMcCutcheonNEAMHughMcCutcheonhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/articles/2021/Quick%20Takes%20-%20Death%20of%20Independent%20Central%20Banks/NEAMgroup_03_italy_germany_bond_yield.jpgNEAMgroup03italygermanybondyieldNEAMgroup03italygermanybondyieldhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearch2021-09-22https://www.neamgroup.com/insights/alternative-investments-what-is-newhttps://www.neamgroup.com/hubfs/Authors/Mark-Yu.pngMarkYuMarkYuhttps://www.neamgroup.com/hubfs/articles/2017/Perspectives%20-%20Alternative%20Investments/NEAM-group-industry-schedule-ba-distribution.jpgNEAMgroupindustryschedulebadistributionNEAMgroupindustryschedulebadistributionhttps://www.neamgroup.com/hubfs/articles/2017/Perspectives%20-%20Alternative%20Investments/NEAM-group-schedule-ba-assets-by-affiliation-and-segment-amount.jpgNEAMgroupschedulebaassetsbyaffiliationandsegmentamountNEAMgroupschedulebaassetsbyaffiliationandsegmentamounthttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2017/Perspectives%20-%20Alternative%20Investments/NEAM-group-schedule-ba-assets-by-affiliation-and-segment-percent.jpgNEAMgroupschedulebaassetsbyaffiliationandsegmentpercentNEAMgroupschedulebaassetsbyaffiliationandsegmentpercenthttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/articles/2017/Perspectives%20-%20Alternative%20Investments/NEAM-group-2015-private-equity-and-hedge-fund-ba-unaffiliated-investments-by-segment.jpgNEAMgroup2015privateequityandhedgefundbaunaffiliatedinvestmentsbysegmentNEAMgroup2015privateequityandhedgefundbaunaffiliatedinvestmentsbysegmenthttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/articles/2017/Perspectives%20-%20Alternative%20Investments/NEAM-group-unaffiliated-schedule-ba-assets-v-unaffiliated-risk-assets-allocations.jpgNEAMgroupunaffiliatedschedulebaassetsvunaffiliatedriskassetsallocationsNEAMgroupunaffiliatedschedulebaassetsvunaffiliatedriskassetsallocationshttps://www.neamgroup.com/hubfs/articles/2017/Perspectives%20-%20Alternative%20Investments/alternativeinvestments.jpgalternativeinvestmentsalternativeinvestmentshttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2017/Perspectives%20-%20Alternative%20Investments/NEAM-group-schedule-ba-assets-by-company-size.jpgNEAMgroupschedulebaassetsbycompanysizeNEAMgroupschedulebaassetsbycompanysizehttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/articles/2017/Perspectives%20-%20Alternative%20Investments/NEAM-group-insurance-industry-schedule-ba-investment-trends.jpgNEAMgroupinsuranceindustryschedulebainvestmenttrendsNEAMgroupinsuranceindustryschedulebainvestmenttrendshttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowus2017-01-16https://www.neamgroup.com/insights/returns-yields-dear-fed-be-careful-what-you-wish-forhttps://www.neamgroup.com/hubfs/Authors/Vin-Delucia.pngVinDeluciaVinDeluciahttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/articles/2022/Quick%20Takes%20-%20Returns%20and%20Yields%202022/NEAMgroup_pc_estimated_market_yield_duration.jpgNEAMgrouppcestimatedmarketyielddurationNEAMgrouppcestimatedmarketyielddurationhttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/articles/2022/Quick%20Takes%20-%20Returns%20and%20Yields%202022/NEAMgroup_SP500_trailing_annualized_returns.jpgNEAMgroupSP500trailingannualizedreturnsNEAMgroupSP500trailingannualizedreturnshttps://www.neamgroup.com/hubfs/articles/2022/Quick%20Takes%20-%20Returns%20and%20Yields%202022/NEAMgroup_total_return_projections_various_rate_spread_scenarios.jpgNEAMgrouptotalreturnprojectionsvariousratespreadscenariosNEAMgrouptotalreturnprojectionsvariousratespreadscenarioshttps://www.neamgroup.com/hubfs/articles/2022/Quick%20Takes%20-%20Returns%20and%20Yields%202022/NEAMgroup_estimated_pc_sector_allocations.jpgNEAMgroupestimatedpcsectorallocationsNEAMgroupestimatedpcsectorallocationshttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/articles/2022/Quick%20Takes%20-%20Returns%20and%20Yields%202022/NEAMgroup_US_Fixed_Income_Returns.jpgNEAMgroupUSFixedIncomeReturnsNEAMgroupUSFixedIncomeReturnshttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/articles/2022/Quick%20Takes%20-%20Returns%20and%20Yields%202022/NEAMgroup_2022_projected_pc_fixed_income_return.jpgNEAMgroup2022projectedpcfixedincomereturnNEAMgroup2022projectedpcfixedincomereturnhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/articles/2017/Quick%20Takes%20-%20Returns%20and%20Yields/returnsandyields.jpgreturnsandyieldsreturnsandyieldshttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydown2022-02-10https://www.neamgroup.com/careers/non-ushttps://www.neamgroup.com/hubfs/Careers/taaffe-paul.jpgtaaffepaultaaffepaulhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/Authors/Fiona%20McDougall-bw-square.jpgFionaMcDougallbwsquareFionaMcDougallbwsquarehttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/Careers/careers-ltd.jpgcareersltdcareersltdhttps://www.neamgroup.com/hubfs/Authors/Brian-OConnor-bw-square.jpgBrianOConnorbwsquareBrianOConnorbwsquarehttps://www.neamgroup.com/hubfs/Authors/Gary-Carroll-bw-square.jpgGaryCarrollbwsquareGaryCarrollbwsquarehttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydown2023-10-31https://www.neamgroup.com/insights/adopting-a-holistic-enterprise-approach-to-life-insurer-portfolio-optimizationhttps://www.neamgroup.com/hubfs/Authors/Mark-Yu.pngMarkYuMarkYuhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/articles/2019/Perspectives%20-%20Life%20Asset%20Optimization/NEAMgroup_ROE_formula.jpgNEAMgroupROEformulaNEAMgroupROEformulahttps://www.neamgroup.com/hubfs/articles/2019/Perspectives%20-%20Life%20Asset%20Optimization/NEAMgroup_iterative_portfolio_construction_process.jpgNEAMgroupiterativeportfolioconstructionprocessNEAMgroupiterativeportfolioconstructionprocesshttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/NEAM-Life_Insurer_Asset_Opt-1.jpgNEAMLifeInsurerAssetOpt1NEAMLifeInsurerAssetOpt1https://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/articles/2019/Perspectives%20-%20Life%20Asset%20Optimization/NEAMgroup_option_adjusted_duration_baml_vs_treasury.jpgNEAMgroupoptionadjusteddurationbamlvstreasuryNEAMgroupoptionadjusteddurationbamlvstreasuryhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/articles/2019/Perspectives%20-%20Life%20Asset%20Optimization/NEAMgroup_modern_portfolio_efficient_frontier_analysis.jpgNEAMgroupmodernportfolioefficientfrontieranalysisNEAMgroupmodernportfolioefficientfrontieranalysishttps://www.neamgroup.com/hubfs/articles/2019/Perspectives%20-%20Life%20Asset%20Optimization/NEAMgroup_holistic_top_down_framework.jpgNEAMgroupholistictopdownframeworkNEAMgroupholistictopdownframeworkhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/articles/2019/Perspectives%20-%20Life%20Asset%20Optimization/NEAMgroup_illustrating_the_bottom_up_approach.jpgNEAMgroupillustratingthebottomupapproachNEAMgroupillustratingthebottomupapproachhttps://www.neamgroup.com/hubfs/articles/2019/Perspectives%20-%20Life%20Asset%20Optimization/NEAMgroup_holistic_EBAA_embraces_segement_level_ALM.jpgNEAMgroupholisticEBAAembracessegementlevelALMNEAMgroupholisticEBAAembracessegementlevelALMhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORS2019-05-21https://www.neamgroup.com/insights/trade-winds-june-2024https://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/articles/2024/Trade%20Winds%20-%20June%202024/NEAMgroup_01_tradewinds062024.jpgNEAMgroup01tradewinds062024NEAMgroup01tradewinds062024https://www.neamgroup.com/hubfs/articles/2024/Trade%20Winds%20-%20June%202024/NEAMgroup_05_tradewinds062024.jpgNEAMgroup05tradewinds062024NEAMgroup05tradewinds062024https://www.neamgroup.com/hubfs/articles/2024/Trade%20Winds%20-%20June%202024/NEAMgroup_08_tradewinds062024.jpgNEAMgroup08tradewinds062024NEAMgroup08tradewinds062024https://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/Authors/Coley-Lynch.pngColeyLynchColeyLynchhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/articles/2024/Trade%20Winds%20-%20June%202024/NEAMgroup_02_tradewinds062024.jpgNEAMgroup02tradewinds062024NEAMgroup02tradewinds062024https://www.neamgroup.com/hubfs/articles/2024/Trade%20Winds%20-%20June%202024/NEAMgroup_03_tradewinds062024.jpgNEAMgroup03tradewinds062024NEAMgroup03tradewinds062024https://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/articles/2024/Trade%20Winds%20-%20June%202024/NEAMgroup_07_tradewinds062024.jpgNEAMgroup07tradewinds062024NEAMgroup07tradewinds062024https://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/articles/2024/Trade%20Winds%20-%20June%202024/NEAMgroup_06_tradewinds062024.jpgNEAMgroup06tradewinds062024NEAMgroup06tradewinds062024https://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/articles/2024/Trade%20Winds%20-%20June%202024/NEAMgroup_04_tradewinds062024.jpgNEAMgroup04tradewinds062024NEAMgroup04tradewinds062024https://www.neamgroup.com/hubfs/articles/tradewinds.jpgtradewindstradewinds2024-06-07https://www.neamgroup.com/insights/trade-winds-march-2026https://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/articles/2026/Trade%20Winds%20-%2003-2026/NEAMgroup_04_TradeWinds_03-2026.jpgNEAMgroup04TradeWinds032026NEAMgroup04TradeWinds032026https://www.neamgroup.com/hubfs/articles/2026/Trade%20Winds%20-%2003-2026/NEAMgroup_03_TradeWinds_03-2026.jpgNEAMgroup03TradeWinds032026NEAMgroup03TradeWinds032026https://www.neamgroup.com/hubfs/articles/tradewinds.jpgtradewindstradewindshttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/articles/2026/Trade%20Winds%20-%2003-2026/NEAMgroup_01_TradeWinds_03-2026.jpgNEAMgroup01TradeWinds032026NEAMgroup01TradeWinds032026https://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/articles/2026/Trade%20Winds%20-%2003-2026/NEAMgroup_06_TradeWinds_03-2026.jpgNEAMgroup06TradeWinds032026NEAMgroup06TradeWinds032026https://www.neamgroup.com/hubfs/articles/2026/Trade%20Winds%20-%2003-2026/NEAMgroup_02_TradeWinds_03-2026.jpgNEAMgroup02TradeWinds032026NEAMgroup02TradeWinds032026https://www.neamgroup.com/hubfs/articles/2026/Trade%20Winds%20-%2003-2026/NEAMgroup_05_TradeWinds_03-2026.jpgNEAMgroup05TradeWinds032026NEAMgroup05TradeWinds032026https://www.neamgroup.com/hubfs/Authors/Coley-Lynch.pngColeyLynchColeyLynchhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/articles/2026/Trade%20Winds%20-%2003-2026/NEAMgroup_07_TradeWinds_03-2026.jpgNEAMgroup07TradeWinds032026NEAMgroup07TradeWinds032026https://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/articles/2026/Trade%20Winds%20-%2003-2026/NEAMgroup_08_TradeWinds_03-2026.jpgNEAMgroup08TradeWinds032026NEAMgroup08TradeWinds0320262026-03-09https://www.neamgroup.com/media-center/gr-neam-hires-harold-hawkinshttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowus2016-06-13https://www.neamgroup.com/insights/monthly-economic-highlights-february-2024https://www.neamgroup.com/hubfs/articles/2024/Outlook%20-%20February%202024/NEAMgroup_06_Feb2024.jpgNEAMgroup06Feb2024NEAMgroup06Feb2024https://www.neamgroup.com/hubfs/articles/2024/Outlook%20-%20February%202024/NEAMgroup_01_Feb2024.jpgNEAMgroup01Feb2024NEAMgroup01Feb2024https://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/articles/2024/Outlook%20-%20February%202024/NEAMgroup_08_Feb2024.jpgNEAMgroup08Feb2024NEAMgroup08Feb2024https://www.neamgroup.com/hubfs/articles/2024/Outlook%20-%20February%202024/NEAMgroup_04_Feb2024.jpgNEAMgroup04Feb2024NEAMgroup04Feb2024https://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/articles/2023/Outlook%20-%20June%202023/outlook.jpgoutlookoutlookhttps://www.neamgroup.com/hubfs/articles/2024/Outlook%20-%20February%202024/NEAMgroup_07_Feb2024.jpgNEAMgroup07Feb2024NEAMgroup07Feb2024https://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/articles/2024/Outlook%20-%20February%202024/NEAMgroup_02_Feb2024.jpgNEAMgroup02Feb2024NEAMgroup02Feb2024https://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/articles/2024/Outlook%20-%20February%202024/NEAMgroup_05_Feb2024.jpgNEAMgroup05Feb2024NEAMgroup05Feb2024https://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/articles/2024/Outlook%20-%20February%202024/NEAMgroup_03_Feb2024.jpgNEAMgroup03Feb2024NEAMgroup03Feb2024https://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/Authors/Coley-Lynch.pngColeyLynchColeyLynchhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORS2024-02-06https://www.neamgroup.com/insights/mbs-opportunitieshttps://www.neamgroup.com/hubfs/articles/2024/Quick%20Takes%20-%20MBS%20Opportunities/NEAMgroup_05_total_return.jpgNEAMgroup05totalreturnNEAMgroup05totalreturnhttps://www.neamgroup.com/hubfs/articles/2024/Quick%20Takes%20-%20MBS%20Opportunities/NEAMgroup_04_economics_refinancing_loan_size.jpgNEAMgroup04economicsrefinancingloansizeNEAMgroup04economicsrefinancingloansizehttps://www.neamgroup.com/hubfs/articles/2024/Quick%20Takes%20-%20MBS%20Opportunities/NEAMgroup_01_annual_net_demand_holder.jpgNEAMgroup01annualnetdemandholderNEAMgroup01annualnetdemandholderhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/articles/2024/Quick%20Takes%20-%20MBS%20Opportunities/mbsopportunities.jpgmbsopportunitiesmbsopportunitieshttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/articles/2024/Quick%20Takes%20-%20MBS%20Opportunities/NEAMgroup_02_annual_mortgage_yields_increase.jpgNEAMgroup02annualmortgageyieldsincreaseNEAMgroup02annualmortgageyieldsincreasehttps://www.neamgroup.com/hubfs/articles/2024/Quick%20Takes%20-%20MBS%20Opportunities/NEAMgroup_03_FNMA_current_coupon_OAS.jpgNEAMgroup03FNMAcurrentcouponOASNEAMgroup03FNMAcurrentcouponOAShttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/Authors/NEAM-Group-Paul-Russo.pngNEAMGroupPaulRussoNEAMGroupPaulRussohttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORS2024-03-05https://www.neamgroup.com/insights/life-in-the-neutral-lanehttps://www.neamgroup.com/hubfs/articles/2019/Quick%20Takes%20-%20Neutral%20Lane/NEAMgroup_fed_funds_target_rate_lower_bound.jpgNEAMgroupfedfundstargetratelowerboundNEAMgroupfedfundstargetratelowerboundhttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/articles/2019/Quick%20Takes%20-%20Neutral%20Lane/NEAMgroup_VIX_index.jpgNEAMgroupVIXindexNEAMgroupVIXindexhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/articles/2019/Quick%20Takes%20-%20Neutral%20Lane/NEAMgroup_US_total_debt_to_GDP.jpgNEAMgroupUStotaldebttoGDPNEAMgroupUStotaldebttoGDPhttps://www.neamgroup.com/hubfs/articles/2019/Quick%20Takes%20-%20Neutral%20Lane/neutrallane.jpgneutrallaneneutrallanehttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/NEAM-William-E-Rotatori.pngNEAMWilliamERotatoriNEAMWilliamERotatori2019-03-12https://www.neamgroup.com/insights/2014-investment-highlights-todays-real-worry-about-tomorrowhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/articles/NEAM-Chart-2-Fixed-Income-Credit-Quality.jpgNEAMChart2FixedIncomeCreditQualityNEAMChart2FixedIncomeCreditQualityhttps://www.neamgroup.com/hubfs/articles/NEAM-Table-1-PC-Industry-Highlights-Billions-Except-Combined-Ratio-Return-on-Equity-and-Leverage.jpgNEAMTable1PCIndustryHighlightsBillionsExceptCombinedRatioReturnonEquityandLeverageNEAMTable1PCIndustryHighlightsBillionsExceptCombinedRatioReturnonEquityandLeveragehttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/articles/NEAM-Table-8-Fixed-Income-Sector-Book-Yield-Excluding-Non-Rated-Bonds.jpgNEAMTable8FixedIncomeSectorBookYieldExcludingNonRatedBondsNEAMTable8FixedIncomeSectorBookYieldExcludingNonRatedBondshttps://www.neamgroup.com/hubfs/articles/NEAM-Table-6-Fixed-Income-Sector-Option-Adjusted-Duration-OAD-Excludes-Non-rated-Bonds.jpgNEAMTable6FixedIncomeSectorOptionAdjustedDurationOADExcludesNonratedBondsNEAMTable6FixedIncomeSectorOptionAdjustedDurationOADExcludesNonratedBondshttps://www.neamgroup.com/hubfs/articles/NEAM-Table-4-Earned-Investment-Income-by-Broad-Asset-Class-Billions-and-Fixed-Income-Gross-Book-Yield.jpgNEAMTable4EarnedInvestmentIncomebyBroadAssetClassBillionsandFixedIncomeGrossBookYieldNEAMTable4EarnedInvestmentIncomebyBroadAssetClassBillionsandFixedIncomeGrossBookYieldhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/articles/NEAM-Table-3-Risk-Assets.jpgNEAMTable3RiskAssetsNEAMTable3RiskAssetshttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/NEAM-James-E-Bachman.pngNEAMJamesEBachmanNEAMJamesEBachmanhttps://www.neamgroup.com/hubfs/articles/NEAM-Table-5-Fixed-Income-Sector-Allocation.jpgNEAMTable5FixedIncomeSectorAllocationNEAMTable5FixedIncomeSectorAllocationhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/articles/NEAM-Table-7-Municipal-Bond-Holding-Distribution-in-2014.jpgNEAMTable7MunicipalBondHoldingDistributionin2014NEAMTable7MunicipalBondHoldingDistributionin2014https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/articles/NEAM-Chart1-Statutory-Investment-Results-Before-Taxes-and-Expenses-Billions.jpgNEAMChart1StatutoryInvestmentResultsBeforeTaxesandExpensesBillionsNEAMChart1StatutoryInvestmentResultsBeforeTaxesandExpensesBillionshttps://www.neamgroup.com/hubfs/articles/NEAM-Table-2-PC-Broad-Sector-Asset-Allocation.jpgNEAMTable2PCBroadSectorAssetAllocationNEAMTable2PCBroadSectorAssetAllocation2016-04-20https://www.neamgroup.com/insights/overview-of-climate-related-risk-in-the-municipal-bond-markethttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2021/Quick%20Takes%20-%20Climate%20Related%20Risk%20in%20Muni%20Market/NEAMgroup_mexpected_annual_loss_percentile.jpgNEAMgroupmexpectedannuallosspercentileNEAMgroupmexpectedannuallosspercentilehttps://www.neamgroup.com/hubfs/articles/2021/Quick%20Takes%20-%20Climate%20Related%20Risk%20in%20Muni%20Market/NEAMgroup_municipal_index_state_distribution.jpgNEAMgroupmunicipalindexstatedistributionNEAMgroupmunicipalindexstatedistributionhttps://www.neamgroup.com/hubfs/Authors/Sean-T-Coughlin.pngSeanTCoughlinSeanTCoughlinhttps://www.neamgroup.com/hubfs/articles/2021/Quick%20Takes%20-%20Climate%20Related%20Risk%20in%20Muni%20Market/climatemuni.jpgclimatemuniclimatemunihttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/articles/2021/Quick%20Takes%20-%20Climate%20Related%20Risk%20in%20Muni%20Market/NEAMgroup_municipal_bond_market_sector_distribution.jpgNEAMgroupmunicipalbondmarketsectordistributionNEAMgroupmunicipalbondmarketsectordistributionhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMR2022-01-07https://www.neamgroup.com/insights/insurance-investing-in-a-covid-worldhttps://www.neamgroup.com/hubfs/NEAM-Calvin-Clark-Jr.pngNEAMCalvinClarkJrNEAMCalvinClarkJrhttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/articles/2022/Quick%20Takes%20-%20Insurance%20Investing%20in%20Covid%20World/NEAMgroup_cash_flows_example_nonagency_mbs.jpgNEAMgroupcashflowsexamplenonagencymbsNEAMgroupcashflowsexamplenonagencymbshttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/articles/2022/Quick%20Takes%20-%20Insurance%20Investing%20in%20Covid%20World/NEAMgroup_treasury_rates_NEAM_forecast_range.jpgNEAMgrouptreasuryratesNEAMforecastrangeNEAMgrouptreasuryratesNEAMforecastrangehttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/articles/2022/Quick%20Takes%20-%20Insurance%20Investing%20in%20Covid%20World/NEAMgroup_investment_grade_corporate_bond_spreads.jpgNEAMgroupinvestmentgradecorporatebondspreadsNEAMgroupinvestmentgradecorporatebondspreadshttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/articles/2020/Quick%20Takes%20-%20Financing%20COVID-19/financingcovid19.jpgfinancingcovid19financingcovid19https://www.neamgroup.com/hubfs/articles/2022/Quick%20Takes%20-%20Insurance%20Investing%20in%20Covid%20World/NEAMgroup_job_openings_vs_unemployed.jpgNEAMgroupjobopeningsvsunemployedNEAMgroupjobopeningsvsunemployedhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/articles/2022/Quick%20Takes%20-%20Insurance%20Investing%20in%20Covid%20World/NEAMgroup_10year_treasury_yield_corporate_spread.jpgNEAMgroup10yeartreasuryyieldcorporatespreadNEAMgroup10yeartreasuryyieldcorporatespreadhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydown2022-01-19https://www.neamgroup.com/insights/fear-or-greedhttps://www.neamgroup.com/hubfs/articles/NEAM-Chart-1-SP-500-Returned-Capital.jpgNEAMChart1SP500ReturnedCapitalNEAMChart1SP500ReturnedCapitalhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/articles/NEAM-Chart-3-Asset-Productivity.jpgNEAMChart3AssetProductivityNEAMChart3AssetProductivityhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/articles/NEAM-Equity-Risk-Premium.jpgNEAMEquityRiskPremiumNEAMEquityRiskPremiumhttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/Authors/Michele-Matzinger.pngMicheleMatzingerMicheleMatzingerhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/articles/NEAM-Chart-2-Rising-Cost-of-Debt-and-Financial-Engineering.jpgNEAMChart2RisingCostofDebtandFinancialEngineeringNEAMChart2RisingCostofDebtandFinancialEngineeringhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdown2016-05-18https://www.neamgroup.com/insights/trade-winds-november-2024https://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/Authors/Coley-Lynch.pngColeyLynchColeyLynchhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/articles/2024/Trade%20Winds%20-%20November%202024/NEAMgroup_06_TW_Nov_2024.jpgNEAMgroup06TWNov2024NEAMgroup06TWNov2024https://www.neamgroup.com/hubfs/articles/2024/Trade%20Winds%20-%20November%202024/NEAMgroup_02_TW_Nov_2024.jpgNEAMgroup02TWNov2024NEAMgroup02TWNov2024https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/articles/2024/Trade%20Winds%20-%20November%202024/NEAMgroup_01_TW_Nov_2024.jpgNEAMgroup01TWNov2024NEAMgroup01TWNov2024https://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/articles/2024/Trade%20Winds%20-%20November%202024/NEAMgroup_03_TW_Nov_2024.jpgNEAMgroup03TWNov2024NEAMgroup03TWNov2024https://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/articles/2024/Trade%20Winds%20-%20November%202024/NEAMgroup_05_TW_Nov_2024.jpgNEAMgroup05TWNov2024NEAMgroup05TWNov2024https://www.neamgroup.com/hubfs/articles/2024/Trade%20Winds%20-%20November%202024/NEAMgroup_07_TW_Nov_2024.jpgNEAMgroup07TWNov2024NEAMgroup07TWNov2024https://www.neamgroup.com/hubfs/articles/2024/Trade%20Winds%20-%20November%202024/NEAMgroup_08_TW_Nov_2024.jpgNEAMgroup08TWNov2024NEAMgroup08TWNov2024https://www.neamgroup.com/hubfs/articles/2024/Trade%20Winds%20-%20November%202024/NEAMgroup_04_TW_Nov_2024.jpgNEAMgroup04TWNov2024NEAMgroup04TWNov2024https://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/articles/tradewinds.jpgtradewindstradewindshttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydown2024-11-06https://www.neamgroup.com/media-center/neam-presents-for-acli-financing-the-covid-19-rescue-pakagehttps://www.neamgroup.com/hubfs/assets/videos/ACLI%20and%20NEAM_Webinar_June%202020.mp4/medium.jpgACLI and NEAM_Webinar_June 2020ACLI and NEAM_Webinar_June 2020https://www.neamgroup.com/hubfs/assets/videos/ACLI%20and%20NEAM_Webinar_June%202020.mp43586nonohttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-logo-footer.pngNEAMLogoimglogofooterhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenu2021-02-04https://www.neamgroup.com/insights/2020-a-year-of-uncertaintyhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2020/Quick%20Takes%20-%202020%20Year%20of%20Uncertainty/NEAMgroup_US_prime_age_labor_force_participation_rate.jpgNEAMgroupUSprimeagelaborforceparticipationrateNEAMgroupUSprimeagelaborforceparticipationratehttps://www.neamgroup.com/hubfs/articles/2020/Quick%20Takes%20-%202020%20Year%20of%20Uncertainty/NEAMgroup_us_unemployment_rates_by_education.jpgNEAMgroupusunemploymentratesbyeducationNEAMgroupusunemploymentratesbyeducationhttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/articles/2020/Quick%20Takes%20-%202020%20Year%20of%20Uncertainty/NEAMgroup_market_value_negative_yielding_debt_bloomberg_barclays_global_aggregate.jpgNEAMgroupmarketvaluenegativeyieldingdebtbloombergbarclaysglobalaggregateNEAMgroupmarketvaluenegativeyieldingdebtbloombergbarclaysglobalaggregatehttps://www.neamgroup.com/hubfs/NEAM-Calvin-Clark-Jr.pngNEAMCalvinClarkJrNEAMCalvinClarkJrhttps://www.neamgroup.com/hubfs/articles/2020/Quick%20Takes%20-%202020%20Year%20of%20Uncertainty/NEAMgroup_global_policy_uncertainty_index.jpgNEAMgroupglobalpolicyuncertaintyindexNEAMgroupglobalpolicyuncertaintyindexhttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/articles/2020/Quick%20Takes%20-%202020%20Year%20of%20Uncertainty/uncertainty.jpguncertaintyuncertaintyhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORS2020-02-11https://www.neamgroup.com/lloyds-survey/non-ushttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/NEAMgroup-%20lloyds%20survey%20photo%20med.jpgNEAMgrouplloydssurveyphotomedNEAMgrouplloydssurveyphotomedhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/lloyds%20report%202025.jpglloydsreport2025lloydsreport2025https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORS2025-05-01https://www.neamgroup.com/media-center/gr-neam-is-now-neamhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearch2016-06-20https://www.neamgroup.com/insights/changes-in-accounting-for-investments-under-uk-gaaphttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/Authors/NEAM-Graham-Kirk.pngNEAMGrahamKirkNEAMGrahamKirkhttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMR2016-04-20https://www.neamgroup.com/insights/correlation-risk-costly-details-a-path-well-travelledhttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/articles/NEAM-The-correlation-and-diversification-relationship.jpgNEAMThecorrelationanddiversificationrelationshipNEAMThecorrelationanddiversificationrelationshiphttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/Authors/Tobias-Gummersbach.pngTobiasGummersbachTobiasGummersbachhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/articles/NEAM-Chart-3-Five-year-rolling-standard-deviation.jpgNEAMChart3FiveyearrollingstandarddeviationNEAMChart3Fiveyearrollingstandarddeviationhttps://www.neamgroup.com/hubfs/articles/NEAM-Chart-5-Inception-Blue-five-year.jpgNEAMChart5InceptionBluefiveyearNEAMChart5InceptionBluefiveyearhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/articles/NEAM-Chart-4-Five-year-rolling-directional.jpgNEAMChart4FiveyearrollingdirectionalNEAMChart4Fiveyearrollingdirectionalhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/articles/NEAM-Chart-1-The-correlation-and-diversification-relationship.jpgNEAMChart1ThecorrelationanddiversificationrelationshipNEAMChart1Thecorrelationanddiversificationrelationshiphttps://www.neamgroup.com/hubfs/articles/NEAM-Chart-6-One-year-rolling-standard-deviation.jpgNEAMChart6OneyearrollingstandarddeviationNEAMChart6Oneyearrollingstandarddeviationhttps://www.neamgroup.com/hubfs/articles/NEAM-Table-1-Portfolio-allocation-and-various-risk-statistics-profile.jpgNEAMTable1PortfolioallocationandvariousriskstatisticsprofileNEAMTable1Portfolioallocationandvariousriskstatisticsprofilehttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/articles/NEAM-Chart-2-Annual-rolling-daily-total-return-and-maximum-draw-down.jpgNEAMChart2AnnualrollingdailytotalreturnandmaximumdrawdownNEAMChart2Annualrollingdailytotalreturnandmaximumdrawdownhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearch2020-05-19https://www.neamgroup.com/insights/challenges-facing-higher-education-risks-opportunities2025-11-18https://www.neamgroup.com/insights/2013-u.s.-property-casualty-investment-highlights-continued-increases-of-investment-riskhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/articles/NEAM-Table-7-Fixed-Income-Sector-Book-Yield-Exclude-Non-Rated-II.jpgNEAMTable7FixedIncomeSectorBookYieldExcludeNonRatedIINEAMTable7FixedIncomeSectorBookYieldExcludeNonRatedIIhttps://www.neamgroup.com/hubfs/articles/NEAM-Table-8-2013-Taxable-Bond-Duration-and-Book-Yields-by-Rating-Category.jpgNEAMTable82013TaxableBondDurationandBookYieldsbyRatingCategoryNEAMTable82013TaxableBondDurationandBookYieldsbyRatingCategoryhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/articles/NEAM-Chart-1-Statutory-Investment-Results-Before-Taxes-and-Expenses-Billions-II.jpgNEAMChart1StatutoryInvestmentResultsBeforeTaxesandExpensesBillionsIINEAMChart1StatutoryInvestmentResultsBeforeTaxesandExpensesBillionsIIhttps://www.neamgroup.com/hubfs/articles/NEAM-Table-11-Risk-Assets-in-Billions-and-As-a-Percent-of-Invested-Assets-and-Capital-Surplus.jpgNEAMTable11RiskAssetsinBillionsandAsaPercentofInvestedAssetsandCapitalSurplusNEAMTable11RiskAssetsinBillionsandAsaPercentofInvestedAssetsandCapitalSurplushttps://www.neamgroup.com/hubfs/articles/NEAM-Table-9-2013-Tax-Exempt-Duration-and-Book-Yields-by-Rating-Category.jpgNEAMTable92013TaxExemptDurationandBookYieldsbyRatingCategoryNEAMTable92013TaxExemptDurationandBookYieldsbyRatingCategoryhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/articles/NEAM-Table-5-Fixed-Income-Sector-Option-Adjusted-Duration-OAD-Excludes-Non-rated-Bonds.jpgNEAMTable5FixedIncomeSectorOptionAdjustedDurationOADExcludesNonratedBondsNEAMTable5FixedIncomeSectorOptionAdjustedDurationOADExcludesNonratedBondshttps://www.neamgroup.com/hubfs/articles/NEAM-Table-2-PC-Broad-Sector-Asset-Allocation-II.jpgNEAMTable2PCBroadSectorAssetAllocationIINEAMTable2PCBroadSectorAssetAllocationIIhttps://www.neamgroup.com/hubfs/NEAM-James-E-Bachman.pngNEAMJamesEBachmanNEAMJamesEBachmanhttps://www.neamgroup.com/hubfs/articles/NEAM-Table-3-Earned-Investment-Income-by-Broad-Asset-Class-Billions-and-Fixed-Income-Gross-Book-Yield-II.jpgNEAMTable3EarnedInvestmentIncomebyBroadAssetClassBillionsandFixedIncomeGrossBookYieldIINEAMTable3EarnedInvestmentIncomebyBroadAssetClassBillionsandFixedIncomeGrossBookYieldIIhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/articles/NEAM-Table-9-2013-Tax-Exempt-Duration-and-Book-Yields-by-Rating-Category-cont.jpgNEAMTable92013TaxExemptDurationandBookYieldsbyRatingCategorycontNEAMTable92013TaxExemptDurationandBookYieldsbyRatingCategoryconthttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/articles/NEAM-Table-1-PC-Industry-Highlights-Billions-Except-Combined-Ratio-Return-on-Equity-and-Leverage-II.jpgNEAMTable1PCIndustryHighlightsBillionsExceptCombinedRatioReturnonEquityandLeverageIINEAMTable1PCIndustryHighlightsBillionsExceptCombinedRatioReturnonEquityandLeverageIIhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/articles/NEAM-Table-4-Fixed-Income-Sector-Allocation-II.jpgNEAMTable4FixedIncomeSectorAllocationIINEAMTable4FixedIncomeSectorAllocationIIhttps://www.neamgroup.com/hubfs/articles/NEAM-Table-6-2013-Municipal-Bond-Holding-Distribution.jpgNEAMTable62013MunicipalBondHoldingDistributionNEAMTable62013MunicipalBondHoldingDistributionhttps://www.neamgroup.com/hubfs/articles/NEAM-Chart-2-Fixed-Income-Credit-Quality-II.jpgNEAMChart2FixedIncomeCreditQualityIINEAMChart2FixedIncomeCreditQualityIIhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/articles/NEAM-Table-10-Floating-Rate-Security-Holdings-at-2013-Year-End.jpgNEAMTable10FloatingRateSecurityHoldingsat2013YearEndNEAMTable10FloatingRateSecurityHoldingsat2013YearEndhttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford20242016-04-20https://www.neamgroup.com/insights/sovereign-bond-backed-securities-european-government-debts-next-venture-into-the-unknownhttps://www.neamgroup.com/hubfs/articles/2018/Quick%20Takes%20-%20Sovereign%20Bond%20Backed%20Sec./SBBS.jpgSBBSSBBShttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/Authors/NEAM-Paul-Taaffe.pngNEAMPaulTaaffeNEAMPaulTaaffehttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/articles/2018/Quick%20Takes%20-%20Sovereign%20Bond%20Backed%20Sec./NEAMgroup_SBBS_Structure_as_proposed_by_the_ESRB.jpgNEAMgroupSBBSStructureasproposedbytheESRBNEAMgroupSBBSStructureasproposedbytheESRB2018-10-04https://www.neamgroup.com/media-center/interview-with-bests-review-bill-rotatori-on-mutual-insurershttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowus2021-02-04https://www.neamgroup.com/insights/returns-yields-2019-the-more-things-change-the-more-they-stay-the-samehttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2017/Quick%20Takes%20-%20Returns%20and%20Yields/returnsandyields.jpgreturnsandyieldsreturnsandyieldshttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/articles/2019/Quick%20Takes%20-%20Returns%20and%20Yields%202019/NEAMgroup_actual_US_treasury_rates_and_corproate_spreads.jpgNEAMgroupactualUStreasuryratesandcorproatespreadsNEAMgroupactualUStreasuryratesandcorproatespreadshttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/Authors/Chris-Pavamani.pngChrisPavamaniChrisPavamanihttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/articles/2019/Quick%20Takes%20-%20Returns%20and%20Yields%202019/NEAMgroup_2019_pandc_industry_one_year_projected_fixed_income_return_distribution.jpgNEAMgroup2019pandcindustryoneyearprojectedfixedincomereturndistributionNEAMgroup2019pandcindustryoneyearprojectedfixedincomereturndistributionhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/articles/2019/Quick%20Takes%20-%20Returns%20and%20Yields%202019/NEAMgroup_projected_returns_for_various_rate_and_Spread_scenarios.jpgNEAMgroupprojectedreturnsforvariousrateandSpreadscenariosNEAMgroupprojectedreturnsforvariousrateandSpreadscenarioshttps://www.neamgroup.com/hubfs/articles/2019/Quick%20Takes%20-%20Returns%20and%20Yields%202019/NEAMgroup_2018_pandc_industry_approximate_fixed_income_sector_allocation.jpgNEAMgroup2018pandcindustryapproximatefixedincomesectorallocationNEAMgroup2018pandcindustryapproximatefixedincomesectorallocation2019-02-07https://www.neamgroup.com/insights/investing-in-structured-securities-under-solvency-uk-attractive-opportunities-for-lloyds-syndicateshttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/articles/2025/Quick%20Takes%20-%20Investing%20in%20Structured%20Securities%20Under%20Solvency%20UK/NEAMgroup_01_comparative_yields_structured_vs_corporates.jpgNEAMgroup01comparativeyieldsstructuredvscorporatesNEAMgroup01comparativeyieldsstructuredvscorporateshttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/articles/2025/Quick%20Takes%20-%20Investing%20in%20Structured%20Securities%20Under%20Solvency%20UK/NEAMgroup_02_historical_default_losses.jpgNEAMgroup02historicaldefaultlossesNEAMgroup02historicaldefaultlosseshttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/articles/2025/Quick%20Takes%20-%20Investing%20in%20Structured%20Securities%20Under%20Solvency%20UK/NEAMgroup_04_illustrative_example.jpgNEAMgroup04illustrativeexampleNEAMgroup04illustrativeexamplehttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2025/Quick%20Takes%20-%20Investing%20in%20Structured%20Securities%20Under%20Solvency%20UK/lloydssecuritisation.jpglloydssecuritisationlloydssecuritisationhttps://www.neamgroup.com/hubfs/articles/2025/Quick%20Takes%20-%20Investing%20in%20Structured%20Securities%20Under%20Solvency%20UK/NEAMgroup_00_structured_definitions.jpgNEAMgroup00structureddefinitionsNEAMgroup00structureddefinitionshttps://www.neamgroup.com/hubfs/articles/2025/Quick%20Takes%20-%20Investing%20in%20Structured%20Securities%20Under%20Solvency%20UK/NEAMgroup_03_lloyds_USD_portfolio.jpgNEAMgroup03lloydsUSDportfolioNEAMgroup03lloydsUSDportfoliohttps://www.neamgroup.com/hubfs/Authors/2023_circle_Carroll.png2023circleCarroll2023circleCarrollhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenu2025-06-12https://www.neamgroup.com/insights/returns-yields-2019-total-return-tsunami-leads-to-2020-yield-droughthttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2020/Quick%20Takes%20-%20Returns%20and%20Yields%202020/NEAMgroup_projected_returns_for_2020.jpgNEAMgroupprojectedreturnsfor2020NEAMgroupprojectedreturnsfor2020https://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/articles/2020/Quick%20Takes%20-%20Returns%20and%20Yields%202020/NEAMgroup_projected_returns_for_various_rate_and_spread_scenarios.jpgNEAMgroupprojectedreturnsforvariousrateandspreadscenariosNEAMgroupprojectedreturnsforvariousrateandspreadscenarioshttps://www.neamgroup.com/hubfs/articles/2020/Quick%20Takes%20-%20Returns%20and%20Yields%202020/NEAMgroup_pandc_industry_fixed_income_duration.jpgNEAMgrouppandcindustryfixedincomedurationNEAMgrouppandcindustryfixedincomedurationhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/articles/2020/Quick%20Takes%20-%20Returns%20and%20Yields%202020/NEAMgroup_2019_broad_market_indicies.jpgNEAMgroup2019broadmarketindiciesNEAMgroup2019broadmarketindicieshttps://www.neamgroup.com/hubfs/Authors/Vin-Delucia.pngVinDeluciaVinDeluciahttps://www.neamgroup.com/hubfs/articles/2017/Quick%20Takes%20-%20Returns%20and%20Yields/returnsandyields.jpgreturnsandyieldsreturnsandyieldshttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/articles/2020/Quick%20Takes%20-%20Returns%20and%20Yields%202020/NEAMgroup_pandc_industry_sector_allocations.jpgNEAMgrouppandcindustrysectorallocationsNEAMgrouppandcindustrysectorallocations2020-02-04https://www.neamgroup.com/we-are-new-england-asset-management/non-ushttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearch2016-06-14https://www.neamgroup.com/contact/non-ushttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/contact/contact-ltd.jpgcontactltdcontactltdhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/assets/images/arrow-green-closed.pngarrowgreenclosedarrowgreenclosedhttps://www.neamgroup.com/hubfs/assets/images/arrow-blue-closed.pngarrowblueclosedarrowblueclosedhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORS2025-04-02https://www.neamgroup.com/insights/managing-with-the-fed-an-enterprise-approachhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/articles/NEAM-Chart-2-Ending-GAAP-Equity-Billions.jpgNEAMChart2EndingGAAPEquityBillionsNEAMChart2EndingGAAPEquityBillionshttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/articles/NEAM-Chart-4-Minimum-Total-Annual-Liquidity-Billions.jpgNEAMChart4MinimumTotalAnnualLiquidityBillionsNEAMChart4MinimumTotalAnnualLiquidityBillionshttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/NEAM-James-E-Bachman.pngNEAMJamesEBachmanNEAMJamesEBachmanhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/articles/NEAM-Chart-3-Compound-Growth-in-GAAP-Equity.jpgNEAMChart3CompoundGrowthinGAAPEquityNEAMChart3CompoundGrowthinGAAPEquityhttps://www.neamgroup.com/hubfs/articles/NEAM-Chart-5-Maximum-Unrealized-Loss-Position-Billions.jpgNEAMChart5MaximumUnrealizedLossPositionBillionsNEAMChart5MaximumUnrealizedLossPositionBillionshttps://www.neamgroup.com/hubfs/articles/NEAM-Chart-1-Cumulative-Earned-Investment-Income-Billions.jpgNEAMChart1CumulativeEarnedInvestmentIncomeBillionsNEAMChart1CumulativeEarnedInvestmentIncomeBillionshttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterR2016-04-20https://www.neamgroup.com/insights/trade-winds-november-20252025-11-11https://www.neamgroup.com/insights/trade-winds-may-2024https://www.neamgroup.com/hubfs/articles/2024/Trade%20Winds%20-%20May%202024/NEAMgroup_TradeWinds_May24_08.jpgNEAMgroupTradeWindsMay2408NEAMgroupTradeWindsMay2408https://www.neamgroup.com/hubfs/articles/2024/Trade%20Winds%20-%20May%202024/NEAMgroup_TradeWinds_May24_04.jpgNEAMgroupTradeWindsMay2404NEAMgroupTradeWindsMay2404https://www.neamgroup.com/hubfs/articles/2024/Trade%20Winds%20-%20May%202024/NEAMgroup_TradeWinds_May24_06.jpgNEAMgroupTradeWindsMay2406NEAMgroupTradeWindsMay2406https://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/articles/tradewinds.jpgtradewindstradewindshttps://www.neamgroup.com/hubfs/articles/2024/Trade%20Winds%20-%20May%202024/NEAMgroup_TradeWinds_May24_03.jpgNEAMgroupTradeWindsMay2403NEAMgroupTradeWindsMay2403https://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/Authors/Coley-Lynch.pngColeyLynchColeyLynchhttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/articles/2024/Trade%20Winds%20-%20May%202024/NEAMgroup_TradeWinds_May24_02.jpgNEAMgroupTradeWindsMay2402NEAMgroupTradeWindsMay2402https://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2024/Trade%20Winds%20-%20May%202024/NEAMgroup_TradeWinds_May24_05.jpgNEAMgroupTradeWindsMay2405NEAMgroupTradeWindsMay2405https://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/articles/2024/Trade%20Winds%20-%20May%202024/NEAMgroup_TradeWinds_May24_07.jpgNEAMgroupTradeWindsMay2407NEAMgroupTradeWindsMay2407https://www.neamgroup.com/hubfs/articles/2024/Trade%20Winds%20-%20May%202024/NEAMgroup_TradeWinds_May24_01.jpgNEAMgroupTradeWindsMay2401NEAMgroupTradeWindsMay2401https://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearch2024-05-08https://www.neamgroup.com/insights/tax-reform-impact-on-capital-adequacy-downside-risk-and-asset-allocationhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/articles/2018/Perspectives%20-%20Tax%20Reform/NEAMgroup_industry_pre-post-tax_values-A.jpgNEAMgroupindustrypreposttaxvaluesANEAMgroupindustrypreposttaxvaluesAhttps://www.neamgroup.com/hubfs/articles/2018/Perspectives%20-%20Tax%20Reform/NEAMgroup_ICE_BofAML_broad_market_and_municipal_indicies-revised.jpgNEAMgroupICEBofAMLbroadmarketandmunicipalindiciesrevisedNEAMgroupICEBofAMLbroadmarketandmunicipalindiciesrevisedhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/articles/2018/Perspectives%20-%20Tax%20Reform/NEAMgroup_industry_pre-post-tax_values-B.jpgNEAMgroupindustrypreposttaxvaluesBNEAMgroupindustrypreposttaxvaluesBhttps://www.neamgroup.com/hubfs/NEAM-James-E-Bachman.pngNEAMJamesEBachmanNEAMJamesEBachmanhttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2018/Perspectives%20-%20New%20World%20Order/NEAMgroup-ROE-formula.jpgNEAMgroupROEformulaNEAMgroupROEformulahttps://www.neamgroup.com/hubfs/articles/2018/Perspectives%20-%20Tax%20Reform/taxreformimpact.jpgtaxreformimpacttaxreformimpacthttps://www.neamgroup.com/hubfs/articles/2018/Perspectives%20-%20Tax%20Reform/NEAMgroup_asset_reallocation_at_35_and_21_tax_rates.jpgNEAMgroupassetreallocationat35and21taxratesNEAMgroupassetreallocationat35and21taxrateshttps://www.neamgroup.com/hubfs/articles/2018/Perspectives%20-%20Tax%20Reform/NEAMgroup_industry_proxied_pre-tax_return_on_equity.jpgNEAMgroupindustryproxiedpretaxreturnonequityNEAMgroupindustryproxiedpretaxreturnonequityhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydown2018-07-25https://www.neamgroup.com/insurance-solutions/non-ushttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/assets/images/img-green-arrow.pngimggreenarrowimggreenarrowhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/Photo%20Refresh%202025/LTD%20-%20solutions%20-%20enterprise.jpgLTDsolutionsenterpriseLTDsolutionsenterprisehttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/images/featured%20image%20-%20logo.jpgNEAMlogofeaturedimagelogohttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/assets/images/Photo%20Refresh%202025/LTD%20-%20solutions%20-%20accounting.jpgLTDsolutionsaccountingLTDsolutionsaccountinghttps://www.neamgroup.com/hubfs/assets/images/Photo%20Refresh%202025/LTD%20-%20solutions%20-%20cara.jpgLTDsolutionscaraLTDsolutionscarahttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-arrow-off.pngimgarrowoffimgarrowoffhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdown2025-09-08https://www.neamgroup.com/insights/a-higher-calling-high-yield-insurance-company-investmentshttps://www.neamgroup.com/hubfs/articles/2021/Quick%20Takes%20-%20Higher%20Calling/NEAMgroup_02_ICE_BofA_US_High_Yield_index_30_year_returns.jpgNEAMgroup02ICEBofAUSHighYieldindex30yearreturnsNEAMgroup02ICEBofAUSHighYieldindex30yearreturnshttps://www.neamgroup.com/hubfs/NEAM-Group-Drew-Sullivan.pngNEAMGroupDrewSullivanNEAMGroupDrewSullivanhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2021/Quick%20Takes%20-%20Higher%20Calling/NEAMgroup_04_capital_charges_applicatble_life_insurance.jpgNEAMgroup04capitalchargesapplicatblelifeinsuranceNEAMgroup04capitalchargesapplicatblelifeinsurancehttps://www.neamgroup.com/hubfs/articles/2021/Quick%20Takes%20-%20Higher%20Calling/NEAMgroup_03_capital_charges_applicatble_PC_health_insurance.jpgNEAMgroup03capitalchargesapplicatblePChealthinsuranceNEAMgroup03capitalchargesapplicatblePChealthinsurancehttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/articles/2021/Quick%20Takes%20-%20Higher%20Calling/NEAMgroup_01_credit_distribution_US_Insurance_Industry_high_yield_bond_exposure.jpgNEAMgroup01creditdistributionUSInsuranceIndustryhighyieldbondexposureNEAMgroup01creditdistributionUSInsuranceIndustryhighyieldbondexposurehttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/articles/2021/Quick%20Takes%20-%20Higher%20Calling/NEAMgroup_01_historical_US_insurance_industry_exposure_high_yield_bonds.jpgNEAMgroup01historicalUSinsuranceindustryexposurehighyieldbondsNEAMgroup01historicalUSinsuranceindustryexposurehighyieldbondshttps://www.neamgroup.com/hubfs/articles/2021/Quick%20Takes%20-%20Higher%20Calling/highercalling.jpghighercallinghighercallinghttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/articles/2021/Quick%20Takes%20-%20Higher%20Calling/NEAMgroup_02_return_risk_metrics_high_yield_equity.jpgNEAMgroup02returnriskmetricshighyieldequityNEAMgroup02returnriskmetricshighyieldequityhttps://www.neamgroup.com/hubfs/articles/2021/Quick%20Takes%20-%20Higher%20Calling/NEAMgroup_05_historical_correlations_key_segments_fixed_income_and_equity.jpgNEAMgroup05historicalcorrelationskeysegmentsfixedincomeandequityNEAMgroup05historicalcorrelationskeysegmentsfixedincomeandequity2021-10-27https://www.neamgroup.com/media-center/neam-ddj-announce-a-sub-advisory-relationshiphttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/assets/images/img-logo-footer.pngNEAMLogoimglogofooterhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORS2019-06-24https://www.neamgroup.com/insights/wave-of-populism-across-europehttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/articles/2017/Quick%20Takes%20-%20Wave%20of%20Populism/NEAM-group-euro-area-yield-spreads-to-germany.jpgNEAMgroupeuroareayieldspreadstogermanyNEAMgroupeuroareayieldspreadstogermanyhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/articles/2017/Quick%20Takes%20-%20Wave%20of%20Populism/waveofpopulism.jpgwaveofpopulismwaveofpopulismhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/Authors/NEAM-John-Connelly.pngNEAMJohnConnellyNEAMJohnConnellyhttps://www.neamgroup.com/hubfs/articles/2017/Quick%20Takes%20-%20Wave%20of%20Populism/NEAM-group-us-and-german-yield-history.jpgNEAMgroupusandgermanyieldhistoryNEAMgroupusandgermanyieldhistoryhttps://www.neamgroup.com/hubfs/articles/2017/Quick%20Takes%20-%20Wave%20of%20Populism/NEAM-group-key-political-events-in-europe-2017.jpgNEAMgroupkeypoliticaleventsineurope2017NEAMgroupkeypoliticaleventsineurope2017https://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/articles/2017/Quick%20Takes%20-%20Wave%20of%20Populism/Neam-group-rise-of-small-extreme-parties-in-europe.jpgNeamgroupriseofsmallextremepartiesineuropeNeamgroupriseofsmallextremepartiesineuropehttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2017/Quick%20Takes%20-%20Wave%20of%20Populism/quotation.jpgquotationquotationhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/articles/2017/Quick%20Takes%20-%20Wave%20of%20Populism/quotation2.jpgquotation2quotation2https://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford20242017-03-08https://www.neamgroup.com/insights/lloyds-syndicate-investment-trends-2020https://www.neamgroup.com/hubfs/articles/2020/Quick%20Takes%20-%20Lloyds%20Investment%20Survey%202020/lloydssurvey2020.jpglloydssurvey2020lloydssurvey2020https://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/Our%20Team/NEAM-Group-Kasha-Mleko.pngNEAMGroupKashaMlekoNEAMGroupKashaMlekohttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2020/Quick%20Takes%20-%20Lloyds%20Investment%20Survey%202020/NEAMgroup_overview_of_lloyds_liability_and_asset_profile_by_currency.jpgNEAMgroupoverviewoflloydsliabilityandassetprofilebycurrencyNEAMgroupoverviewoflloydsliabilityandassetprofilebycurrencyhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/articles/2020/Quick%20Takes%20-%20Lloyds%20Investment%20Survey%202020/NEAMgroup_typical_lloyds_syndicate_portfolio_drawdown_magnitude.jpgNEAMgrouptypicallloydssyndicateportfoliodrawdownmagnitudeNEAMgrouptypicallloydssyndicateportfoliodrawdownmagnitudehttps://www.neamgroup.com/hubfs/articles/2020/Quick%20Takes%20-%20Lloyds%20Investment%20Survey%202020/NEAMgroup_broad_asset_allocation_comparison.jpgNEAMgroupbroadassetallocationcomparisonNEAMgroupbroadassetallocationcomparisonhttps://www.neamgroup.com/hubfs/articles/2020/Quick%20Takes%20-%20Lloyds%20Investment%20Survey%202020/NEAMgroup_broad_asset_allocation_lloyds_syndicates_including_FAL_assets.jpgNEAMgroupbroadassetallocationlloydssyndicatesincludingFALassetsNEAMgroupbroadassetallocationlloydssyndicatesincludingFALassetshttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/articles/2020/Quick%20Takes%20-%20Lloyds%20Investment%20Survey%202020/NEAMgroup_comparison_fixed_income_rating_splits_year_end_2019.jpgNEAMgroupcomparisonfixedincomeratingsplitsyearend2019NEAMgroupcomparisonfixedincomeratingsplitsyearend2019https://www.neamgroup.com/hubfs/articles/2020/Quick%20Takes%20-%20Lloyds%20Investment%20Survey%202020/NEAMgroup_US_property_and_casualty_fixed_income_portfolio_sector_split.jpgNEAMgroupUSpropertyandcasualtyfixedincomeportfoliosectorsplitNEAMgroupUSpropertyandcasualtyfixedincomeportfoliosectorsplithttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2020/Quick%20Takes%20-%20Lloyds%20Investment%20Survey%202020/NEAMgroup_credit_rating_split_fixed_income_portfolio_including_FAL.jpgNEAMgroupcreditratingsplitfixedincomeportfolioincludingFALNEAMgroupcreditratingsplitfixedincomeportfolioincludingFALhttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowus2020-09-16https://www.neamgroup.com/insights/banco-popular-lessons-for-european-bank-capitalhttps://www.neamgroup.com/hubfs/Authors/NEAM-Hugh-McCutcheon.pngNEAMHughMcCutcheonNEAMHughMcCutcheonhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/articles/2017/Quick%20Takes%20-%20Banco%20Popular/iStock-601928870_BW.jpgiStock601928870BWiStock601928870BWhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORS2017-09-07https://www.neamgroup.com/insights/suspending-the-rules-of-financial-gravity-negative-yields-in-europehttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/articles/NEAM-Planned-annual-ECB-purchases-vs-Historical-Issuance.jpgNEAMPlannedannualECBpurchasesvsHistoricalIssuanceNEAMPlannedannualECBpurchasesvsHistoricalIssuancehttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/Authors/NEAM-John-Connelly.pngNEAMJohnConnellyNEAMJohnConnellyhttps://www.neamgroup.com/hubfs/articles/NEAM-German-10-year-Government-Bond-Yield-History.jpgNEAMGerman10yearGovernmentBondYieldHistoryNEAMGerman10yearGovernmentBondYieldHistoryhttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/articles/NEAM-Investment-Grade-Quarterly-Net-Issuance.jpgNEAMInvestmentGradeQuarterlyNetIssuanceNEAMInvestmentGradeQuarterlyNetIssuancehttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/articles/NEAM-German-Government-Bond-Yield-Curve.jpgNEAMGermanGovernmentBondYieldCurveNEAMGermanGovernmentBondYieldCurvehttps://www.neamgroup.com/hubfs/articles/NEAM-European-Sovereigns-Trading-With-Negative-Yields.jpgNEAMEuropeanSovereignsTradingWithNegativeYieldsNEAMEuropeanSovereignsTradingWithNegativeYieldshttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORS2016-04-13https://www.neamgroup.com/insights/states-and-local-governments-public-sector-pension-updatehttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/articles/NEAM-Group-Pensions-Crowding-Out_Education-Spending-States.jpgNEAMGroupPensionsCrowdingOutEducationSpendingStatesNEAMGroupPensionsCrowdingOutEducationSpendingStateshttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/articles/SLG.jpgSLGSLGhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/articles/NEAM-Group-Unfunded-Pension-Liabilities-at-Different-Return-Assumptions.jpgNEAMGroupUnfundedPensionLiabilitiesatDifferentReturnAssumptionsNEAMGroupUnfundedPensionLiabilitiesatDifferentReturnAssumptionshttps://www.neamgroup.com/hubfs/articles/NEAM-Group-US-States-and-local-governments.jpgNEAMGroupUSStatesandlocalgovernmentsNEAMGroupUSStatesandlocalgovernmentshttps://www.neamgroup.com/hubfs/articles/NEAM-Group-Annual_pension-Contribution-as-Percent-of-Gen-Fund-Rev.jpgNEAMGroupAnnualpensionContributionasPercentofGenFundRevNEAMGroupAnnualpensionContributionasPercentofGenFundRevhttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/Authors/Sean-T-Coughlin.pngSeanTCoughlinSeanTCoughlinhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORS2016-11-21https://www.neamgroup.com/search/non-ushttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/assets/images/img-subscriptions.gifimgsubscriptionsimgsubscriptionshttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/assets/images/arrow-blue-closed.pngarrowblueclosedarrowblueclosed2017-08-25https://www.neamgroup.com/insights/the-song-remains-the-same-only-worsehttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/NEAM-William-E-Rotatori.pngNEAMWilliamERotatoriNEAMWilliamERotatorihttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/articles/NEAM-Group-VIX-Index.jpgNEAMGroupVIXIndexNEAMGroupVIXIndexhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/articles/NEAM-Group-Growth-and-Earnings.jpgNEAMGroupGrowthandEarningsNEAMGroupGrowthandEarningshttps://www.neamgroup.com/hubfs/articles/songworse.jpgsongworsesongworsehttps://www.neamgroup.com/hubfs/articles/10-Year-UST-Yield-and-BBB-Corporate-Spreads.jpg10YearUSTYieldandBBBCorporateSpreads10YearUSTYieldandBBBCorporateSpreads2016-08-18https://www.neamgroup.com/media-center/neam-announces-retirement-of-chip-clark-presidenthttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/assets/images/img-logo-NEAM.pngNEAMLogoimglogoNEAMhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford20242025-01-23https://www.neamgroup.com/our-team/non-ushttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/Authors/NEAM-Alverne-Bolith.pngNEAMAlverneBolithNEAMAlverneBolithhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/NEAM-William-E-Rotatori.pngNEAMWilliamERotatoriNEAMWilliamERotatorihttps://www.neamgroup.com/hubfs/Authors/Fiona%20Molloy-bw-square.jpgFionaMolloybwsquareFionaMolloybwsquarehttps://www.neamgroup.com/hubfs/Authors/2023_circle_Torpey.png2023circleTorpey2023circleTorpeyhttps://www.neamgroup.com/hubfs/Authors/2023_circle_OConnor.png2023circleOConnor2023circleOConnorhttps://www.neamgroup.com/hubfs/Authors/NEAM-Graham-Kirk.pngNEAMGrahamKirkNEAMGrahamKirkhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/Authors/NEAM%20Headshots_Rui%20Wang_BW.jpgNEAMHeadshotsRuiWangBWNEAMHeadshotsRuiWangBWhttps://www.neamgroup.com/hubfs/Authors/NEAM-Hugh-McCutcheon.pngNEAMHughMcCutcheonNEAMHughMcCutcheonhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/Authors/Fergus-Woods-bw-square.jpgFergusWoodsbwsquareFergusWoodsbwsquarehttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/Authors/NEAM-Fiona-Molloy.pngNEAMFionaMolloyNEAMFionaMolloyhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/Our%20Team/NEAM-Group-Kasha-Mleko.pngNEAMGroupKashaMlekoNEAMGroupKashaMlekohttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORS2025-09-02https://www.neamgroup.com/insights/moving-fossil-fuels-to-the-back-burnerhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/Authors/NEAM-Andy-Brown.pngNEAMAndyBrownNEAMAndyBrownhttps://www.neamgroup.com/hubfs/articles/2021/Quick%20Takes%20-%20Fossil%20Fuels%20Back%20Burner/backburner.jpgbackburnerbackburnerhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/articles/2021/Quick%20Takes%20-%20Fossil%20Fuels%20Back%20Burner/NEAMgroup_cost_of_Electricity_Solar.jpgNEAMgroupcostofElectricitySolarNEAMgroupcostofElectricitySolarhttps://www.neamgroup.com/hubfs/articles/2021/Quick%20Takes%20-%20Fossil%20Fuels%20Back%20Burner/NEAMgroup_primary_energy_by_fuel_baseline.jpgNEAMgroupprimaryenergybyfuelbaselineNEAMgroupprimaryenergybyfuelbaselinehttps://www.neamgroup.com/hubfs/articles/2021/Quick%20Takes%20-%20Fossil%20Fuels%20Back%20Burner/NEAMgroup_electricity_generation_by_fuel_source.jpgNEAMgroupelectricitygenerationbyfuelsourceNEAMgroupelectricitygenerationbyfuelsourcehttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/articles/2021/Quick%20Takes%20-%20Fossil%20Fuels%20Back%20Burner/NEAMgroup_cost_of_Electricity_Wind.jpgNEAMgroupcostofElectricityWindNEAMgroupcostofElectricityWind2021-05-24https://www.neamgroup.com/insights/trade-winds-september-2024https://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/articles/2024/Trade%20Winds%20-%20September%202024/NEAMgroup_04_trade_winds_sept2024.jpgNEAMgroup04tradewindssept2024NEAMgroup04tradewindssept2024https://www.neamgroup.com/hubfs/articles/2024/Trade%20Winds%20-%20September%202024/NEAMgroup_06_trade_winds_sept2024.jpgNEAMgroup06tradewindssept2024NEAMgroup06tradewindssept2024https://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/articles/2024/Trade%20Winds%20-%20September%202024/NEAMgroup_03_trade_winds_sept2024.jpgNEAMgroup03tradewindssept2024NEAMgroup03tradewindssept2024https://www.neamgroup.com/hubfs/articles/2024/Trade%20Winds%20-%20September%202024/NEAMgroup_05_trade_winds_sept2024.jpgNEAMgroup05tradewindssept2024NEAMgroup05tradewindssept2024https://www.neamgroup.com/hubfs/articles/tradewinds.jpgtradewindstradewindshttps://www.neamgroup.com/hubfs/articles/2024/Trade%20Winds%20-%20September%202024/NEAMgroup_01_trade_winds_sept2024.jpgNEAMgroup01tradewindssept2024NEAMgroup01tradewindssept2024https://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/Authors/Coley-Lynch.pngColeyLynchColeyLynchhttps://www.neamgroup.com/hubfs/articles/2024/Trade%20Winds%20-%20September%202024/NEAMgroup_02_trade_winds_sept2024.jpgNEAMgroup02tradewindssept2024NEAMgroup02tradewindssept2024https://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/articles/2024/Trade%20Winds%20-%20September%202024/NEAMgroup_08_trade_winds_sept2024.jpgNEAMgroup08tradewindssept2024NEAMgroup08tradewindssept2024https://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2024/Trade%20Winds%20-%20September%202024/NEAMgroup_07_trade_winds_sept2024.jpgNEAMgroup07tradewindssept2024NEAMgroup07tradewindssept20242024-09-12https://www.neamgroup.com/insights/trade-winds-august-2025https://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/articles/2025/Trade%20Winds%20-%20August%202025/NEAMgroup_08_tradewinds_august_2025.jpgNEAMgroup08tradewindsaugust2025NEAMgroup08tradewindsaugust2025https://www.neamgroup.com/hubfs/articles/2025/Trade%20Winds%20-%20August%202025/NEAMgroup_04_tradewinds_august_2025.jpgNEAMgroup04tradewindsaugust2025NEAMgroup04tradewindsaugust2025https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/articles/2025/Trade%20Winds%20-%20August%202025/NEAMgroup_01_tradewinds_august_2025.jpgNEAMgroup01tradewindsaugust2025NEAMgroup01tradewindsaugust2025https://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2025/Trade%20Winds%20-%20August%202025/NEAMgroup_07_tradewinds_august_2025.jpgNEAMgroup07tradewindsaugust2025NEAMgroup07tradewindsaugust2025https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/articles/2025/Trade%20Winds%20-%20August%202025/NEAMgroup_06_tradewinds_august_2025.jpgNEAMgroup06tradewindsaugust2025NEAMgroup06tradewindsaugust2025https://www.neamgroup.com/hubfs/articles/tradewinds.jpgtradewindstradewindshttps://www.neamgroup.com/hubfs/articles/2025/Trade%20Winds%20-%20August%202025/NEAMgroup_03_tradewinds_august_2025.jpgNEAMgroup03tradewindsaugust2025NEAMgroup03tradewindsaugust2025https://www.neamgroup.com/hubfs/Authors/Coley-Lynch.pngColeyLynchColeyLynchhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2025/Trade%20Winds%20-%20August%202025/NEAMgroup_05_tradewinds_august_2025.jpgNEAMgroup05tradewindsaugust2025NEAMgroup05tradewindsaugust2025https://www.neamgroup.com/hubfs/articles/2025/Trade%20Winds%20-%20August%202025/NEAMgroup_02_tradewinds_august_2025.jpgNEAMgroup02tradewindsaugust2025NEAMgroup02tradewindsaugust20252025-08-06https://www.neamgroup.com/insights/lloyds-project-rio-new-principles-vs.-old-standardshttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/Authors/NEAM-Rui-Wang.pngNEAMRuiWangNEAMRuiWanghttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/articles/2022/Quick%20Takes%20-%20Lloyds%20Project%20Rio/lloydsrio.jpglloydsriolloydsriohttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/articles/2022/Quick%20Takes%20-%20Lloyds%20Project%20Rio/NEAMgroup_operating_standards.jpgNEAMgroupoperatingstandardsNEAMgroupoperatingstandardshttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdown2022-06-27https://www.neamgroup.com/insights/first-quarter-2015-equity-reviewhttps://www.neamgroup.com/hubfs/articles/NEAM-Chart-2-Shiller-CAPE-Subsequent-Rolling-10-Year-Return-and-Equity-Ownership-Concentration.jpgNEAMChart2ShillerCAPESubsequentRolling10YearReturnandEquityOwnershipConcentrationNEAMChart2ShillerCAPESubsequentRolling10YearReturnandEquityOwnershipConcentrationhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/articles/NEAM-Chart-1-Equity-Risk-Premium.jpgNEAMChart1EquityRiskPremiumNEAMChart1EquityRiskPremiumhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/articles/NEAM-Equity-Risk-Premium.jpgNEAMEquityRiskPremiumNEAMEquityRiskPremium2016-05-18https://www.neamgroup.com/insights/ecb-fed-policy-divergencehttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/articles/NEAM-Yield-Differentials-and-FX-Rate.jpgNEAMYieldDifferentialsandFXRateNEAMYieldDifferentialsandFXRatehttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/ECB-Diverg.pngECBDivergECBDiverghttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/articles/NEAM-German-vs-US-Yields.jpgNEAMGermanvsUSYieldsNEAMGermanvsUSYieldshttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/Authors/John-Dockery.pngJohnDockeryJohnDockery2016-08-15https://www.neamgroup.com/insights/anticipating-a-post-pandemic-worldhttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/NEAM-William-E-Rotatori.pngNEAMWilliamERotatoriNEAMWilliamERotatorihttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/articles/2021/Anticipating%20a%20Post%20Pandemic%20World/NEAMgroup_central_bank_balance_sheets_percent_GDP.jpgNEAMgroupcentralbankbalancesheetspercentGDPNEAMgroupcentralbankbalancesheetspercentGDPhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/articles/2021/Anticipating%20a%20Post%20Pandemic%20World/anticipatingapostpandemicworld.jpganticipatingapostpandemicworldanticipatingapostpandemicworldhttps://www.neamgroup.com/hubfs/articles/2021/Anticipating%20a%20Post%20Pandemic%20World/NEAMgroup_government_fiscal_balance_percent_GDP.jpgNEAMgroupgovernmentfiscalbalancepercentGDPNEAMgroupgovernmentfiscalbalancepercentGDPhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/articles/2021/Anticipating%20a%20Post%20Pandemic%20World/NEAMgroup_household_gross_saving_ratio.jpgNEAMgrouphouseholdgrosssavingratioNEAMgrouphouseholdgrosssavingratiohttps://www.neamgroup.com/hubfs/articles/2021/Anticipating%20a%20Post%20Pandemic%20World/NEAMgroup_gross_government_debt_percent_GDP.jpgNEAMgroupgrossgovernmentdebtpercentGDPNEAMgroupgrossgovernmentdebtpercentGDP2021-01-26https://www.neamgroup.com/insights/esg-labeled-bonds-a-very-fashionable-labelhttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/articles/2021/Quick%20Takes%20-%20ESG%20Labeled%20Bonds%20(Fashionable)/ESGlabeled.jpgESGlabeledESGlabeledhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/articles/2021/Quick%20Takes%20-%20ESG%20Labeled%20Bonds%20(Fashionable)/NEAMgroup_PC_industry_analysis.jpgNEAMgroupPCindustryanalysisNEAMgroupPCindustryanalysishttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/articles/2021/Quick%20Takes%20-%20ESG%20Labeled%20Bonds%20(Fashionable)/NEAMgroup_ICE_global_broad_market_index.jpgNEAMgroupICEglobalbroadmarketindexNEAMgroupICEglobalbroadmarketindexhttps://www.neamgroup.com/hubfs/articles/2021/Quick%20Takes%20-%20ESG%20Labeled%20Bonds%20(Fashionable)/NEAMgroup_growth_ESG_labeled_bond_issuance.jpgNEAMgroupgrowthESGlabeledbondissuanceNEAMgroupgrowthESGlabeledbondissuancehttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/Authors/NEAM-Robb-Barnum.pngNEAMRobbBarnumNEAMRobbBarnumhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/articles/2021/Quick%20Takes%20-%20ESG%20Labeled%20Bonds%20(Fashionable)/NEAMgroup_PC_industry_exposure_ESG_labeled_bonds.jpgNEAMgroupPCindustryexposureESGlabeledbondsNEAMgroupPCindustryexposureESGlabeledbondshttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford20242021-12-21https://www.neamgroup.com/insights/projected-book-yields-for-the-pc-industryhttps://www.neamgroup.com/hubfs/articles/NEAM-Group-Projected-Yields.jpgNEAMGroupProjectedYieldsNEAMGroupProjectedYieldshttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/articles/NEAM-Group-Reinvestment-Rate-Assumptions.pngNEAMGroupReinvestmentRateAssumptionsNEAMGroupReinvestmentRateAssumptionshttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/articles/NEAM-Group-Implication-Example.pngNEAMGroupImplicationExampleNEAMGroupImplicationExamplehttps://www.neamgroup.com/hubfs/articles/NEAM-Group-Book-Yield-Pull-Quote.pngNEAMGroupBookYieldPullQuoteNEAMGroupBookYieldPullQuotehttps://www.neamgroup.com/hubfs/articles/NEAM-Group-P-and-C-Industry-Historical-and-Forecasted-Book-Yields.pngNEAMGroupPandCIndustryHistoricalandForecastedBookYieldsNEAMGroupPandCIndustryHistoricalandForecastedBookYieldshttps://www.neamgroup.com/hubfs/Authors/Patrick-Scully.pngPatrickScullyPatrickScullyhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/articles/NEAM-Group-Historical-Treasury-Yield-Curves.pngNEAMGroupHistoricalTreasuryYieldCurvesNEAMGroupHistoricalTreasuryYieldCurves2017-01-24https://www.neamgroup.com/insights/from-caution-to-opportunity-the-evolving-investment-landscape-for-medical-liability-insurershttps://www.neamgroup.com/hubfs/articles/2025/Perspectives%20-%20From%20Caution%20to%20Opportunity%20(MPL)/NEAMgroup_comparison_fixed_income_portfolio_OAD.jpgNEAMgroupcomparisonfixedincomeportfolioOADNEAMgroupcomparisonfixedincomeportfolioOADhttps://www.neamgroup.com/hubfs/articles/2025/Perspectives%20-%20From%20Caution%20to%20Opportunity%20(MPL)/NEAMgroup_comparison_fixed_income_portfolio_book_yield.jpgNEAMgroupcomparisonfixedincomeportfoliobookyieldNEAMgroupcomparisonfixedincomeportfoliobookyieldhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2025/Perspectives%20-%20From%20Caution%20to%20Opportunity%20(MPL)/NEAMgroup_risk_assets_percent_surplus.jpgNEAMgroupriskassetspercentsurplusNEAMgroupriskassetspercentsurplushttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/articles/2025/Perspectives%20-%20From%20Caution%20to%20Opportunity%20(MPL)/NEAMgroup_comparison_OAD_distribution.jpgNEAMgroupcomparisonOADdistributionNEAMgroupcomparisonOADdistributionhttps://www.neamgroup.com/hubfs/articles/2025/Perspectives%20-%20From%20Caution%20to%20Opportunity%20(MPL)/NEAMgroup_net_investment_income.jpgNEAMgroupnetinvestmentincomeNEAMgroupnetinvestmentincomehttps://www.neamgroup.com/hubfs/articles/2025/Perspectives%20-%20From%20Caution%20to%20Opportunity%20(MPL)/updated-NEAMgroup_surplus_invested_assets_premium_trend.jpgupdatedNEAMgroupsurplusinvestedassetspremiumtrendupdatedNEAMgroupsurplusinvestedassetspremiumtrendhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/articles/2025/Perspectives%20-%20From%20Caution%20to%20Opportunity%20(MPL)/NEAMgroup_MPL_book_yield_against_neam_risk_score.jpgNEAMgroupMPLbookyieldagainstneamriskscoreNEAMgroupMPLbookyieldagainstneamriskscorehttps://www.neamgroup.com/hubfs/articles/2025/Perspectives%20-%20From%20Caution%20to%20Opportunity%20(MPL)/NEAMgroup_fixed_income_credit_quality_distribution.jpgNEAMgroupfixedincomecreditqualitydistributionNEAMgroupfixedincomecreditqualitydistributionhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/articles/2025/Perspectives%20-%20From%20Caution%20to%20Opportunity%20(MPL)/NEAMgroup_comparison_fixed_income_book_yield_breakdown_sector.jpgNEAMgroupcomparisonfixedincomebookyieldbreakdownsectorNEAMgroupcomparisonfixedincomebookyieldbreakdownsectorhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/Authors/NEAM-phil-lee.pngNEAMphilleeNEAMphilleehttps://www.neamgroup.com/hubfs/articles/2025/Perspectives%20-%20From%20Caution%20to%20Opportunity%20(MPL)/NEAMgroup_comparison_fixed_income_sector_allocations.jpgNEAMgroupcomparisonfixedincomesectorallocationsNEAMgroupcomparisonfixedincomesectorallocationshttps://www.neamgroup.com/hubfs/articles/2025/Perspectives%20-%20From%20Caution%20to%20Opportunity%20(MPL)/NEAMgroup_invested_assets_sector_composition.jpgNEAMgroupinvestedassetssectorcompositionNEAMgroupinvestedassetssectorcompositionhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/articles/2025/Perspectives%20-%20From%20Caution%20to%20Opportunity%20(MPL)/MPL_2025.jpgMPL2025MPL20252025-08-26https://www.neamgroup.com/insights/avoiding-defaults-if-you-can-dodge-a-wrench-you-can-dodge-a-defaulthttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2023/Quick%20Takes%20-%20Avoiding%20Defaults/defaultdodge.jpgdefaultdodgedefaultdodgehttps://www.neamgroup.com/hubfs/articles/2023/Quick%20Takes%20-%20Avoiding%20Defaults/NEAMgroup_04_corporate_spreads.jpgNEAMgroup04corporatespreadsNEAMgroup04corporatespreadshttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/Authors/NEAM-Jay-Bliss.pngNEAMJayBlissNEAMJayBlisshttps://www.neamgroup.com/hubfs/articles/2023/Quick%20Takes%20-%20Avoiding%20Defaults/NEAMgroup_01_quarterly_historical_return_distribution_BBB_corporates.jpgNEAMgroup01quarterlyhistoricalreturndistributionBBBcorporatesNEAMgroup01quarterlyhistoricalreturndistributionBBBcorporateshttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/articles/2023/Quick%20Takes%20-%20Avoiding%20Defaults/NEAMgroup_02_moodys_issuer_weighted_annual_default.jpgNEAMgroup02moodysissuerweightedannualdefaultNEAMgroup02moodysissuerweightedannualdefaulthttps://www.neamgroup.com/hubfs/articles/2023/Quick%20Takes%20-%20Avoiding%20Defaults/NEAMgroup_03_ICE_BAML_USD_investment_grade_corporate_grade_index.jpgNEAMgroup03ICEBAMLUSDinvestmentgradecorporategradeindexNEAMgroup03ICEBAMLUSDinvestmentgradecorporategradeindexhttps://www.neamgroup.com/hubfs/articles/2023/Quick%20Takes%20-%20Avoiding%20Defaults/NEAMgroup_05_investment_grade_corporate_index_spreads.jpgNEAMgroup05investmentgradecorporateindexspreadsNEAMgroup05investmentgradecorporateindexspreadshttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford20242023-08-25https://www.neamgroup.com/media-center/gr-neam-appoints-new-chief-investment-officerhttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORS2016-06-13https://www.neamgroup.com/lloyds-support/non-ushttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/NEAMgroup_Limited_Office_wide.jpgNEAMgroupLimitedOfficewideNEAMgroupLimitedOfficewidehttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/NEAMgroup_Lloyds_of_London.jpgNEAMgroupLloydsofLondonNEAMgroupLloydsofLondonhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMR2026-02-24https://www.neamgroup.com/insights/2019-life-industry-investment-highlights-the-search-for-yield-continueshttps://www.neamgroup.com/hubfs/articles/2020/Perspectives%20-%202019%20Life%20Industry%20Highlights/05_NEAMgroup_fixed_income_secotr_option_adjusted_duration.jpg05NEAMgroupfixedincomesecotroptionadjustedduration05NEAMgroupfixedincomesecotroptionadjusteddurationhttps://www.neamgroup.com/hubfs/articles/2020/Perspectives%20-%202019%20Life%20Industry%20Highlights/02_NEAMgroup_earned_investment_income.jpg02NEAMgroupearnedinvestmentincome02NEAMgroupearnedinvestmentincomehttps://www.neamgroup.com/hubfs/articles/2020/Perspectives%20-%202019%20Life%20Industry%20Highlights/NEAMgroup_fixed_income_credit_quality.jpgNEAMgroupfixedincomecreditqualityNEAMgroupfixedincomecreditqualityhttps://www.neamgroup.com/hubfs/articles/2020/Perspectives%20-%202019%20Life%20Industry%20Highlights/07_NEAMgroup_fixed_income_book_yields_by_credit_rating_category.jpg07NEAMgroupfixedincomebookyieldsbycreditratingcategory07NEAMgroupfixedincomebookyieldsbycreditratingcategoryhttps://www.neamgroup.com/hubfs/articles/2020/Perspectives%20-%202019%20Life%20Industry%20Highlights/04_NEAMgroup_fixed_income_sector_allocation.jpg04NEAMgroupfixedincomesectorallocation04NEAMgroupfixedincomesectorallocationhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2020/Perspectives%20-%202019%20Life%20Industry%20Highlights/06_NEAMgroup_fixed_income_sector_book_yield.jpg06NEAMgroupfixedincomesectorbookyield06NEAMgroupfixedincomesectorbookyieldhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/articles/2020/Perspectives%20-%202019%20Life%20Industry%20Highlights/life_search_for_yield.jpglifesearchforyieldlifesearchforyieldhttps://www.neamgroup.com/hubfs/articles/2020/Perspectives%20-%202019%20Life%20Industry%20Highlights/03_NEAMgroup_earned_investment_income_contribution_by_sector.jpg03NEAMgroupearnedinvestmentincomecontributionbysector03NEAMgroupearnedinvestmentincomecontributionbysectorhttps://www.neamgroup.com/hubfs/articles/2020/Perspectives%20-%202019%20Life%20Industry%20Highlights/01_NEAMgroup_broad_sector_asset_allocation.jpg01NEAMgroupbroadsectorassetallocation01NEAMgroupbroadsectorassetallocationhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/Authors/Mark-Yu.pngMarkYuMarkYuhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/articles/2020/Perspectives%20-%202019%20Life%20Industry%20Highlights/08_NEAMgroup_fixed_income_duration_by_credit_rating_category.jpg08NEAMgroupfixedincomedurationbycreditratingcategory08NEAMgroupfixedincomedurationbycreditratingcategoryhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMR2020-11-03https://www.neamgroup.com/insights/trade-winds-march-2024https://www.neamgroup.com/hubfs/articles/2024/Trade%20Winds%20-%20Outlook%20-%20March%202024/NEAMgroup_01_march2024.jpgNEAMgroup01march2024NEAMgroup01march2024https://www.neamgroup.com/hubfs/articles/2024/Trade%20Winds%20-%20Outlook%20-%20March%202024/NEAMgroup_03_march2024.jpgNEAMgroup03march2024NEAMgroup03march2024https://www.neamgroup.com/hubfs/Authors/Coley-Lynch.pngColeyLynchColeyLynchhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/articles/2024/Trade%20Winds%20-%20Outlook%20-%20March%202024/NEAMgroup_02_march2024.jpgNEAMgroup02march2024NEAMgroup02march2024https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/articles/2024/Trade%20Winds%20-%20Outlook%20-%20March%202024/NEAMgroup_08_march2024.jpgNEAMgroup08march2024NEAMgroup08march2024https://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/articles/2024/Trade%20Winds%20-%20Outlook%20-%20March%202024/NEAMgroup_04_march2024.jpgNEAMgroup04march2024NEAMgroup04march2024https://www.neamgroup.com/hubfs/articles/2024/Trade%20Winds%20-%20Outlook%20-%20March%202024/NEAMgroup_05_march2024.jpgNEAMgroup05march2024NEAMgroup05march2024https://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/articles/tradewinds.jpgtradewindstradewindshttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/articles/2024/Trade%20Winds%20-%20Outlook%20-%20March%202024/NEAMgroup_06_march2024.jpgNEAMgroup06march2024NEAMgroup06march2024https://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/articles/2024/Trade%20Winds%20-%20Outlook%20-%20March%202024/NEAMgroup_07_march2024.jpgNEAMgroup07march2024NEAMgroup07march20242024-03-06https://www.neamgroup.com/insights/monthly-economic-highlights-october-2023https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/articles/2023/Outlook%20-%20October%202023/NEAMgroup_outlook_oct23_04.jpgNEAMgroupoutlookoct2304NEAMgroupoutlookoct2304https://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/articles/2023/Outlook%20-%20October%202023/NEAMgroup_outlook_oct23_02.jpgNEAMgroupoutlookoct2302NEAMgroupoutlookoct2302https://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2023/Outlook%20-%20June%202023/outlook.jpgoutlookoutlookhttps://www.neamgroup.com/hubfs/articles/2023/Outlook%20-%20October%202023/NEAMgroup_outlook_oct23_05.jpgNEAMgroupoutlookoct2305NEAMgroupoutlookoct2305https://www.neamgroup.com/hubfs/articles/2023/Outlook%20-%20October%202023/NEAMgroup_outlook_oct23_06.jpgNEAMgroupoutlookoct2306NEAMgroupoutlookoct2306https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/articles/2023/Outlook%20-%20October%202023/NEAMgroup_outlook_oct23_03.jpgNEAMgroupoutlookoct2303NEAMgroupoutlookoct2303https://www.neamgroup.com/hubfs/Authors/Coley-Lynch.pngColeyLynchColeyLynchhttps://www.neamgroup.com/hubfs/articles/2023/Outlook%20-%20October%202023/NEAMgroup_outlook_oct23_01.jpgNEAMgroupoutlookoct2301NEAMgroupoutlookoct2301https://www.neamgroup.com/hubfs/articles/2023/Outlook%20-%20October%202023/NEAMgroup_outlook_oct23_08.jpgNEAMgroupoutlookoct2308NEAMgroupoutlookoct2308https://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/articles/2023/Outlook%20-%20October%202023/NEAMgroup_outlook_oct23_07.jpgNEAMgroupoutlookoct2307NEAMgroupoutlookoct23072023-10-06https://www.neamgroup.com/insights/equity-review-regime-change-parallels-to-reagan-erahttps://www.neamgroup.com/hubfs/articles/2017/Outlook%20-%204Q%202016%20Equity/NEAM-group-USD-and-rates.jpgNEAMgroupUSDandratesNEAMgroupUSDandrateshttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/articles/2017/Outlook%20-%204Q%202016%20Equity/NEAM-group-4qE-callout-quotation.jpgNEAMgroup4qEcalloutquotationNEAMgroup4qEcalloutquotationhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/articles/2017/Outlook%20-%204Q%202016%20Equity/regimechange.jpgregimechangeregimechangehttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/articles/2017/Outlook%20-%204Q%202016%20Equity/NEAM-group-equity-market-valuation-and-profit-margins.jpgNEAMgroupequitymarketvaluationandprofitmarginsNEAMgroupequitymarketvaluationandprofitmarginshttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/Authors/Michele-Matzinger.pngMicheleMatzingerMicheleMatzingerhttps://www.neamgroup.com/hubfs/articles/2017/Outlook%20-%204Q%202016%20Equity/NEAM-group-debt-and-deficit.jpgNEAMgroupdebtanddeficitNEAMgroupdebtanddeficithttps://www.neamgroup.com/hubfs/articles/2017/Outlook%20-%204Q%202016%20Equity/NEAM-group-unemployment-and-inflation.jpgNEAMgroupunemploymentandinflationNEAMgroupunemploymentandinflation2017-02-01https://www.neamgroup.com/insights/2015-u.s.-life-investment-highlights-yield-search-continueshttps://www.neamgroup.com/hubfs/articles/NEAM-Fixed-Income-Sector-Allocation-3.jpgNEAMFixedIncomeSectorAllocation3NEAMFixedIncomeSectorAllocation3https://www.neamgroup.com/hubfs/articles/Fixed-Income-Duration-by-Credit-Rating-Category-inYears.jpgFixedIncomeDurationbyCreditRatingCategoryinYearsFixedIncomeDurationbyCreditRatingCategoryinYearshttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/articles/NEAM-Fixed-Income-Sector-Option-Adjusted-Duration-2.jpgNEAMFixedIncomeSectorOptionAdjustedDuration2NEAMFixedIncomeSectorOptionAdjustedDuration2https://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/articles/NEAM-Fixed-Income-Credit-Quality-4.jpgNEAMFixedIncomeCreditQuality4NEAMFixedIncomeCreditQuality4https://www.neamgroup.com/hubfs/articles/NEAM-Life-Broad-Sector-Asset-Allocation-3.jpgNEAMLifeBroadSectorAssetAllocation3NEAMLifeBroadSectorAssetAllocation3https://www.neamgroup.com/hubfs/NEAM-Life_Insurer_Asset_Opt-1.jpgNEAMLifeInsurerAssetOpt1NEAMLifeInsurerAssetOpt1https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/articles/NEAM-Statutory-Investment-Results-Before-Taxes-and-Expenses-in-Billions.jpgNEAMStatutoryInvestmentResultsBeforeTaxesandExpensesinBillionsNEAMStatutoryInvestmentResultsBeforeTaxesandExpensesinBillionshttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/articles/NEAM-Earned-Investment-Income-by-Broad-Asset-Class-3.jpgNEAMEarnedInvestmentIncomebyBroadAssetClass3NEAMEarnedInvestmentIncomebyBroadAssetClass3https://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/articles/NEAM-Fixed-Income-Sector-Book-Yield-Exclude-Non-Rated.jpgNEAMFixedIncomeSectorBookYieldExcludeNonRatedNEAMFixedIncomeSectorBookYieldExcludeNonRatedhttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/Authors/Mark-Yu.pngMarkYuMarkYuhttps://www.neamgroup.com/hubfs/articles/NEAM-Fixed-Income-Book-Yields-by-Credit-Rating-Category-1.jpgNEAMFixedIncomeBookYieldsbyCreditRatingCategory1NEAMFixedIncomeBookYieldsbyCreditRatingCategory1https://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/articles/NEAM-Life-Industry-Highlights-in-Billions-Except-Return-on-Equity.jpgNEAMLifeIndustryHighlightsinBillionsExceptReturnonEquityNEAMLifeIndustryHighlightsinBillionsExceptReturnonEquityhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterR2020-05-19https://www.neamgroup.com/insights/the-power-of-policy-risk-vs.-rewardhttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/Authors/Michele-Matzinger.pngMicheleMatzingerMicheleMatzingerhttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/articles/2019/Outlook%20-%202Q%2019%20Equity/NEAMgroup_maturing_cycle_US_business_expansions_vs_SPX.jpgNEAMgroupmaturingcycleUSbusinessexpansionsvsSPXNEAMgroupmaturingcycleUSbusinessexpansionsvsSPXhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/articles/2019/Outlook%20-%202Q%2019%20Equity/NEAMgroup_first_rate_cut_and_the_sandp500.jpgNEAMgroupfirstratecutandthesandp500NEAMgroupfirstratecutandthesandp500https://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/articles/2019/Outlook%20-%202Q%2019%20Equity/NEAMgroup_real_rates_amd_US_equities.jpgNEAMgrouprealratesamdUSequitiesNEAMgrouprealratesamdUSequitieshttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/articles/2019/Outlook%20-%202Q%2019%20Equity/riskreward.jpgriskrewardriskrewardhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORS2019-07-29https://www.neamgroup.com/insights/rates-risks-enterprise-based-asset-allocation-part-one-of-twohttps://www.neamgroup.com/hubfs/articles/2023/Perspectives%20-%20Rates%2c%20Risks%20and%20EBAA%201%20of%202/ratesriskassetallocation-1.jpgratesriskassetallocation1ratesriskassetallocation1https://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/articles/2023/Perspectives%20-%20Rates%2c%20Risks%20and%20EBAA%201%20of%202/NEAMgroup_03_demographics_operating_statistics_case_study.jpgNEAMgroup03demographicsoperatingstatisticscasestudyNEAMgroup03demographicsoperatingstatisticscasestudyhttps://www.neamgroup.com/hubfs/articles/2023/Perspectives%20-%20Rates%2c%20Risks%20and%20EBAA%201%20of%202/NEAMgroup_02_dupont_framework_decomposition_insurers_return_equity.jpgNEAMgroup02dupontframeworkdecompositioninsurersreturnequityNEAMgroup02dupontframeworkdecompositioninsurersreturnequityhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/articles/2023/Perspectives%20-%20Rates%2c%20Risks%20and%20EBAA%201%20of%202/NEAMgroup_04_ebaa_outcomes_similar_enterprise_risk.jpgNEAMgroup04ebaaoutcomessimilarenterpriseriskNEAMgroup04ebaaoutcomessimilarenterpriseriskhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/Authors/Chris-Myers.pngChrisMyersChrisMyershttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/articles/2023/Perspectives%20-%20Rates%2c%20Risks%20and%20EBAA%201%20of%202/NEAMgroup_01_trends_comparing_SP500_vs_average_treasury_bond.jpgNEAMgroup01trendscomparingSP500vsaveragetreasurybondNEAMgroup01trendscomparingSP500vsaveragetreasurybondhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORS2024-02-16https://www.neamgroup.com/insights/trade-winds-january-2025https://www.neamgroup.com/hubfs/articles/2025/Trade%20Winds%20-%20January%202025/NEAMgroup_04_tradewinds_012025.jpgNEAMgroup04tradewinds012025NEAMgroup04tradewinds012025https://www.neamgroup.com/hubfs/articles/2025/Trade%20Winds%20-%20January%202025/NEAMgroup_01_tradewinds_012025.jpgNEAMgroup01tradewinds012025NEAMgroup01tradewinds012025https://www.neamgroup.com/hubfs/articles/2025/Trade%20Winds%20-%20January%202025/NEAMgroup_07_tradewinds_012025.jpgNEAMgroup07tradewinds012025NEAMgroup07tradewinds012025https://www.neamgroup.com/hubfs/articles/2025/Trade%20Winds%20-%20January%202025/NEAMgroup_08_tradewinds_012025.jpgNEAMgroup08tradewinds012025NEAMgroup08tradewinds012025https://www.neamgroup.com/hubfs/articles/2025/Trade%20Winds%20-%20January%202025/NEAMgroup_02_tradewinds_012025.jpgNEAMgroup02tradewinds012025NEAMgroup02tradewinds012025https://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2025/Trade%20Winds%20-%20January%202025/NEAMgroup_05_tradewinds_012025.jpgNEAMgroup05tradewinds012025NEAMgroup05tradewinds012025https://www.neamgroup.com/hubfs/articles/2025/Trade%20Winds%20-%20January%202025/NEAMgroup_03_tradewinds_012025.jpgNEAMgroup03tradewinds012025NEAMgroup03tradewinds012025https://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/Authors/Coley-Lynch.pngColeyLynchColeyLynchhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/articles/2025/Trade%20Winds%20-%20January%202025/NEAMgroup_06_tradewinds_012025.jpgNEAMgroup06tradewinds012025NEAMgroup06tradewinds012025https://www.neamgroup.com/hubfs/articles/tradewinds.jpgtradewindstradewinds2025-01-10https://www.neamgroup.com/headings-horizonshttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/assets/videos/Headings%20and%20Horizons/HHsampleimage.jpgHHsampleimageHHsampleimagehttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTop2022-10-21https://www.neamgroup.com/insights/2024-health-industry-investment-highlights-a-year-of-decade-highshttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/articles/2025/Perspectives%20-%20Health%20Industry%20Highlights/NEAMgroup_02_earned_investment_income_contribution.jpgNEAMgroup02earnedinvestmentincomecontributionNEAMgroup02earnedinvestmentincomecontributionhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2025/Perspectives%20-%20Health%20Industry%20Highlights/healthhighlights2025.jpghealthhighlights2025healthhighlights2025https://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/articles/2025/Perspectives%20-%20Health%20Industry%20Highlights/NEAMgroup_01_earned_investment_income.jpgNEAMgroup01earnedinvestmentincomeNEAMgroup01earnedinvestmentincomehttps://www.neamgroup.com/hubfs/articles/2025/Perspectives%20-%20Health%20Industry%20Highlights/NEAMgroup_02_risk_asset_allocation.jpgNEAMgroup02riskassetallocationNEAMgroup02riskassetallocationhttps://www.neamgroup.com/hubfs/articles/2025/Perspectives%20-%20Health%20Industry%20Highlights/NEAMgroup_01_broad_sector_asset_allocation.jpgNEAMgroup01broadsectorassetallocationNEAMgroup01broadsectorassetallocationhttps://www.neamgroup.com/hubfs/Authors/NEAM-phil-lee.pngNEAMphilleeNEAMphilleehttps://www.neamgroup.com/hubfs/articles/2025/Perspectives%20-%20Health%20Industry%20Highlights/NEAMgroup_04_fixed_income_OAD.jpgNEAMgroup04fixedincomeOADNEAMgroup04fixedincomeOADhttps://www.neamgroup.com/hubfs/articles/2025/Perspectives%20-%20Health%20Industry%20Highlights/NEAMgroup_04_fixed_income_credit_quality.jpgNEAMgroup04fixedincomecreditqualityNEAMgroup04fixedincomecreditqualityhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/articles/2025/Perspectives%20-%20Health%20Industry%20Highlights/NEAMgroup_03_fixed_income_sector.jpgNEAMgroup03fixedincomesectorNEAMgroup03fixedincomesectorhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/articles/2025/Perspectives%20-%20Health%20Industry%20Highlights/NEAMgroup_03_fixed_income_book_yield.jpgNEAMgroup03fixedincomebookyieldNEAMgroup03fixedincomebookyield2025-09-22https://www.neamgroup.com/insights/2011-investment-highlights-chasing-yield-and-riskhttps://www.neamgroup.com/hubfs/articles/NEAM-Book-Yield-of-Tax-Exempt-Bond-Holdings.jpgNEAMBookYieldofTaxExemptBondHoldingsNEAMBookYieldofTaxExemptBondHoldingshttps://www.neamgroup.com/hubfs/articles/NEAM-Corporate-Bond-Downgrades.jpgNEAMCorporateBondDowngradesNEAMCorporateBondDowngradeshttps://www.neamgroup.com/hubfs/articles/NEAM-Chart-1-Fixed-Income-Credit-Quality.jpgNEAMChart1FixedIncomeCreditQualityNEAMChart1FixedIncomeCreditQualityhttps://www.neamgroup.com/hubfs/articles/NEAM-Option-Adjusted-Credit-Duration-Risk-of-Tax-Exempt-Bond-Holdings.jpgNEAMOptionAdjustedCreditDurationRiskofTaxExemptBondHoldingsNEAMOptionAdjustedCreditDurationRiskofTaxExemptBondHoldingshttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/articles/NEAM-Option-Adjusted-Duration-of-Taxable-Bond-Holdings.jpgNEAMOptionAdjustedDurationofTaxableBondHoldingsNEAMOptionAdjustedDurationofTaxableBondHoldingshttps://www.neamgroup.com/hubfs/articles/NEAM-Option-Adjusted-Duration-of-Tax-Exempt-Bond-Holdings.jpgNEAMOptionAdjustedDurationofTaxExemptBondHoldingsNEAMOptionAdjustedDurationofTaxExemptBondHoldingshttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/articles/NEAM-Table-1-2011-Bond-Credit-Rating-by-Duration.jpgNEAMTable12011BondCreditRatingbyDurationNEAMTable12011BondCreditRatingbyDurationhttps://www.neamgroup.com/hubfs/NEAM-James-E-Bachman.pngNEAMJamesEBachmanNEAMJamesEBachmanhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/articles/NEAM-Option-Adjusted-Credit-Duration-Risk.jpgNEAMOptionAdjustedCreditDurationRiskNEAMOptionAdjustedCreditDurationRiskhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/articles/NEAM-Ten-Largest-Companies-Change-in-Book-Yield.jpgNEAMTenLargestCompaniesChangeinBookYieldNEAMTenLargestCompaniesChangeinBookYieldhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/articles/NEAM-Book-Yield-of-Taxable-Bond-Holdings.jpgNEAMBookYieldofTaxableBondHoldingsNEAMBookYieldofTaxableBondHoldingshttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowus2016-04-20https://www.neamgroup.com/insights/trade-winds-december-2024https://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/articles/2024/Trade%20Winds%20-%20December%202024/NEAMgroup_01_tradewinds_dec24.jpgNEAMgroup01tradewindsdec24NEAMgroup01tradewindsdec24https://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/articles/2024/Trade%20Winds%20-%20December%202024/NEAMgroup_05_tradewinds_dec24.jpgNEAMgroup05tradewindsdec24NEAMgroup05tradewindsdec24https://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/articles/2024/Trade%20Winds%20-%20December%202024/NEAMgroup_04_tradewinds_dec24.jpgNEAMgroup04tradewindsdec24NEAMgroup04tradewindsdec24https://www.neamgroup.com/hubfs/articles/2024/Trade%20Winds%20-%20December%202024/NEAMgroup_06_tradewinds_dec24.jpgNEAMgroup06tradewindsdec24NEAMgroup06tradewindsdec24https://www.neamgroup.com/hubfs/articles/tradewinds.jpgtradewindstradewindshttps://www.neamgroup.com/hubfs/articles/2024/Trade%20Winds%20-%20December%202024/NEAMgroup_07_tradewinds_dec24.jpgNEAMgroup07tradewindsdec24NEAMgroup07tradewindsdec24https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/articles/2024/Trade%20Winds%20-%20December%202024/NEAMgroup_03_tradewinds_dec24.jpgNEAMgroup03tradewindsdec24NEAMgroup03tradewindsdec24https://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/articles/2024/Trade%20Winds%20-%20December%202024/NEAMgroup_08_tradewinds_dec24.jpgNEAMgroup08tradewindsdec24NEAMgroup08tradewindsdec24https://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/Authors/Coley-Lynch.pngColeyLynchColeyLynchhttps://www.neamgroup.com/hubfs/articles/2024/Trade%20Winds%20-%20December%202024/NEAMgroup_02_tradewinds_dec24.jpgNEAMgroup02tradewindsdec24NEAMgroup02tradewindsdec242024-12-06https://www.neamgroup.com/insights/the-risk-asset-smile-finding-the-sweet-spot-for-pc-insurershttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/articles/2024/Perspectives%20-%20Risk%20Asset%20Smile/NEAMgroup_02_hypothetical_portfolios_increasing_risk_asset_shares.jpgNEAMgroup02hypotheticalportfoliosincreasingriskassetsharesNEAMgroup02hypotheticalportfoliosincreasingriskassetshareshttps://www.neamgroup.com/hubfs/articles/2024/Perspectives%20-%20Risk%20Asset%20Smile/NEAMgroup_01_distribution_risk_asset_shares_held_across_pc.jpgNEAMgroup01distributionriskassetsharesheldacrosspcNEAMgroup01distributionriskassetsharesheldacrosspchttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/articles/2024/Perspectives%20-%20Risk%20Asset%20Smile/riskassetsmile.jpgriskassetsmileriskassetsmilehttps://www.neamgroup.com/hubfs/articles/2024/Perspectives%20-%20Risk%20Asset%20Smile/NEAMgroup_01_PC_industry_broad_asset_allocations.jpgNEAMgroup01PCindustrybroadassetallocationsNEAMgroup01PCindustrybroadassetallocationshttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/articles/2024/Perspectives%20-%20Risk%20Asset%20Smile/NEAMgroup_00_quotation_risk_asset_smile.jpgNEAMgroup00quotationriskassetsmileNEAMgroup00quotationriskassetsmilehttps://www.neamgroup.com/hubfs/Authors/Tobias-Gummersbach.pngTobiasGummersbachTobiasGummersbachhttps://www.neamgroup.com/hubfs/articles/2024/Perspectives%20-%20Risk%20Asset%20Smile/NEAMgroup_02_risk_asset_smile.jpgNEAMgroup02riskassetsmileNEAMgroup02riskassetsmile2024-12-18https://www.neamgroup.com/insights/breaking-the-german-debt-brakehttps://www.neamgroup.com/hubfs/articles/2025/Quick%20Takes%20-%20German%20Debt%20Breaks/breaking_german_debt_break.jpgbreakinggermandebtbreakbreakinggermandebtbreakhttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/Authors/NEAM-Hugh-McCutcheon.pngNEAMHughMcCutcheonNEAMHughMcCutcheonhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/articles/2025/Quick%20Takes%20-%20German%20Debt%20Breaks/NEAMgroup_german_10_year.jpgNEAMgroupgerman10yearNEAMgroupgerman10yearhttps://www.neamgroup.com/hubfs/articles/2025/Quick%20Takes%20-%20German%20Debt%20Breaks/NEAMgroup_german_net_credit_borrowing_federal_budget_plan.jpgNEAMgroupgermannetcreditborrowingfederalbudgetplanNEAMgroupgermannetcreditborrowingfederalbudgetplanhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/articles/2025/Quick%20Takes%20-%20German%20Debt%20Breaks/NEAMgroup_general_government_gross_debt_percent_GDP.jpgNEAMgroupgeneralgovernmentgrossdebtpercentGDPNEAMgroupgeneralgovernmentgrossdebtpercentGDPhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2025/Quick%20Takes%20-%20German%20Debt%20Breaks/NEAMgroup_cumulative_deficit_percent_GDP.jpgNEAMgroupcumulativedeficitpercentGDPNEAMgroupcumulativedeficitpercentGDPhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterR2025-12-04https://www.neamgroup.com/why-neamhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/assets/images/img-green-arrow.pngimggreenarrowimggreenarrowhttps://www.neamgroup.com/hubfs/assets/images/Photo%20Refresh%202025/why%20neam%20-%20actionable.jpgwhyneamactionablewhyneamactionablehttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/images/featured%20image%20-%20logo.jpgNEAMlogofeaturedimagelogohttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/Photo%20Refresh%202025/why%20neam%20-%20tailored.jpgwhyneamtailoredwhyneamtailoredhttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydown2025-04-08https://www.neamgroup.com/why-neam/non-ushttps://www.neamgroup.com/hubfs/assets/images/img-green-arrow.pngimggreenarrowimggreenarrowhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/assets/images/WhyNEAM-Image--NONUS-1.jpgWhyNEAMImageNONUS1WhyNEAMImageNONUS1https://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/why%20neam/dedicatedteams-ltd.jpgdedicatedteamsltddedicatedteamsltdhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/images/featured%20image%20-%20logo.jpgNEAMlogofeaturedimagelogohttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearch2024-06-27https://www.neamgroup.com/insights/life-insurance-industrys-net-investment-spreads-who-suffers-the-leasthttps://www.neamgroup.com/hubfs/articles/2021/Perspectives%20-%20Life%20Net%20Investment%20Spread/NEAM_group_percentage_companies_positive_net_spread.jpgNEAMgrouppercentagecompaniespositivenetspreadNEAMgrouppercentagecompaniespositivenetspreadhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/articles/2021/Perspectives%20-%20Life%20Net%20Investment%20Spread/lifenetinvst.jpglifenetinvstlifenetinvsthttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/articles/2021/Perspectives%20-%20Life%20Net%20Investment%20Spread/NEAMgroup_percentage_companies_with_positive_net_spreads.jpgNEAMgrouppercentagecompanieswithpositivenetspreadsNEAMgrouppercentagecompanieswithpositivenetspreadshttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/articles/2021/Perspectives%20-%20Life%20Net%20Investment%20Spread/NEAMgroup_2019_vs_2010_histogram_net_spread_by_insurers.jpgNEAMgroup2019vs2010histogramnetspreadbyinsurersNEAMgroup2019vs2010histogramnetspreadbyinsurershttps://www.neamgroup.com/hubfs/articles/2017/Perspectives%20-%20Life%20Net%20Spreads/NEAM-Group-formula-net-portfolio-yield.jpgNEAMGroupformulanetportfolioyieldNEAMGroupformulanetportfolioyieldhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/Authors/Mark-Yu.pngMarkYuMarkYuhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2021/Perspectives%20-%20Life%20Net%20Investment%20Spread/NEAMgroup_industry_net_spread_investment_yield_decline_vs_guaranteed_rate.jpgNEAMgroupindustrynetspreadinvestmentyielddeclinevsguaranteedrateNEAMgroupindustrynetspreadinvestmentyielddeclinevsguaranteedratehttps://www.neamgroup.com/hubfs/articles/2021/Perspectives%20-%20Life%20Net%20Investment%20Spread/NEAMgroup_net_investment_spread_by_business_focus_and_company_size.jpgNEAMgroupnetinvestmentspreadbybusinessfocusandcompanysizeNEAMgroupnetinvestmentspreadbybusinessfocusandcompanysizehttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/articles/2021/Perspectives%20-%20Life%20Net%20Investment%20Spread/NEAMgroup_net_spread_company_size_gross_reserves.jpgNEAMgroupnetspreadcompanysizegrossreservesNEAMgroupnetspreadcompanysizegrossreserveshttps://www.neamgroup.com/hubfs/articles/2021/Perspectives%20-%20Life%20Net%20Investment%20Spread/NEAMgroup_distribution_gross_reserve_size.jpgNEAMgroupdistributiongrossreservesizeNEAMgroupdistributiongrossreservesize2021-04-12https://www.neamgroup.com/insights/2016-investment-highlightshttps://www.neamgroup.com/hubfs/articles/2017/Perspectives%20-%202016%20Investment%20Highlights/NEAM_group_P&C_Fixed_Income_Sector_Option-Adjusted_Duration_Excluding_Non-Rated_Bonds.jpgNEAMgroupPCFixedIncomeSectorOptionAdjustedDurationExcludingNonRatedBondsNEAMgroupPCFixedIncomeSectorOptionAdjustedDurationExcludingNonRatedBondshttps://www.neamgroup.com/hubfs/articles/2017/Perspectives%20-%202016%20Investment%20Highlights/NEAM_group_P&C_Industry_Highlights.jpgNEAMgroupPCIndustryHighlightsNEAMgroupPCIndustryHighlightshttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2017/Perspectives%20-%202016%20Investment%20Highlights/NEAM_group_P&C_Fixed_Income_Sector_Allocation.jpgNEAMgroupPCFixedIncomeSectorAllocationNEAMgroupPCFixedIncomeSectorAllocationhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/NEAM-James-E-Bachman.pngNEAMJamesEBachmanNEAMJamesEBachmanhttps://www.neamgroup.com/hubfs/articles/2017/Perspectives%20-%202016%20Investment%20Highlights/NEAM_group_P&C_Fixed_Income_Credit_Quality.jpgNEAMgroupPCFixedIncomeCreditQualityNEAMgroupPCFixedIncomeCreditQualityhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/articles/2017/Perspectives%20-%202016%20Investment%20Highlights/NEAM_group_P&C_Risk_Asset_Allocation_Percent_of_Assets_Capital_Surplus.jpgNEAMgroupPCRiskAssetAllocationPercentofAssetsCapitalSurplusNEAMgroupPCRiskAssetAllocationPercentofAssetsCapitalSurplushttps://www.neamgroup.com/hubfs/articles/2017/Perspectives%20-%202016%20Investment%20Highlights/NEAM_group_P&C_Statutory_Investment_Results_before_Taxes.jpgNEAMgroupPCStatutoryInvestmentResultsbeforeTaxesNEAMgroupPCStatutoryInvestmentResultsbeforeTaxeshttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/articles/2017/Perspectives%20-%202016%20Investment%20Highlights/NEAM_group_Broad_Sector_Asset_Allocation.jpgNEAMgroupBroadSectorAssetAllocationNEAMgroupBroadSectorAssetAllocationhttps://www.neamgroup.com/hubfs/articles/2017/Perspectives%20-%202016%20Investment%20Highlights/NEAM_group_P&C_Earned_Investment_Income_by_Broad_Asset_Class.jpgNEAMgroupPCEarnedInvestmentIncomebyBroadAssetClassNEAMgroupPCEarnedInvestmentIncomebyBroadAssetClasshttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/articles/2017/Perspectives%20-%202016%20Investment%20Highlights/NEAM_group_P&C_Fixed_Income_Sector_Book_Yield_Excluding_Non-Rated_Bonds.jpgNEAMgroupPCFixedIncomeSectorBookYieldExcludingNonRatedBondsNEAMgroupPCFixedIncomeSectorBookYieldExcludingNonRatedBondshttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/articles/2017/Perspectives%20-%202016%20Investment%20Highlights/NEAM_group_Known_Corporate_Bond_Downgrades_to_Below_Investment_Grade.jpgNEAMgroupKnownCorporateBondDowngradestoBelowInvestmentGradeNEAMgroupKnownCorporateBondDowngradestoBelowInvestmentGradehttps://www.neamgroup.com/hubfs/articles/2017/Perspectives%20-%202016%20Investment%20Highlights/Perspectives_2016%20Investment%20Highlights-999483-edited.jpgPerspectives2016InvestmentHighlights999483editedPerspectives2016InvestmentHighlights999483edited2017-08-02https://www.neamgroup.com/insights/managing-the-new-world-order-property-casualty-investment-highlightshttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/NEAM-James-E-Bachman.pngNEAMJamesEBachmanNEAMJamesEBachmanhttps://www.neamgroup.com/hubfs/articles/2018/Perspectives%20-%20PC%20Investment%20Highlights/NEAMgroup-property-casualty-premium-growth-and-underwriting-margin.jpgNEAMgrouppropertycasualtypremiumgrowthandunderwritingmarginNEAMgrouppropertycasualtypremiumgrowthandunderwritingmarginhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/articles/2018/Perspectives%20-%20New%20World%20Order/newworld.jpgnewworldnewworldhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford20242018-11-27https://www.neamgroup.com/insights/kissing-cousins-whats-ahead-for-leveraged-loans-and-closhttps://www.neamgroup.com/hubfs/articles/2019/Quick%20Takes%20-%20Kissing%20Cousins/NEAMgroup_comprative_index_values.jpgNEAMgroupcomprativeindexvaluesNEAMgroupcomprativeindexvalueshttps://www.neamgroup.com/hubfs/articles/2019/Quick%20Takes%20-%20Kissing%20Cousins/NEAMgroup_breakeven_annual_default_rates.jpgNEAMgroupbreakevenannualdefaultratesNEAMgroupbreakevenannualdefaultrateshttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/Authors/NEAM-Jennifer-Quisenberry.pngNEAMJenniferQuisenberryNEAMJenniferQuisenberryhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/articles/2019/Quick%20Takes%20-%20Kissing%20Cousins/NEAMgroup_leveraged_loans_Anmd_CLOs_as_Percent_GDP.jpgNEAMgroupleveragedloansAnmdCLOsasPercentGDPNEAMgroupleveragedloansAnmdCLOsasPercentGDPhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2019/Quick%20Takes%20-%20Kissing%20Cousins/kissingcousins.jpgkissingcousinskissingcousinshttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford20242019-01-08https://www.neamgroup.com/blog/searchhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/assets/images/arrow-blue-closed.pngarrowblueclosedarrowblueclosedhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/assets/images/img-subscriptions.gifimgsubscriptionsimgsubscriptionshttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearch2017-10-17https://www.neamgroup.com/insights/2019-pc-industry-investment-highlights-the-fight-for-yield-beginshttps://www.neamgroup.com/hubfs/articles/2020/Perspectives%20-%20PC%20Investment%20Highlights/NEAMgroup_earned_investment_income.jpgNEAMgroupearnedinvestmentincomeNEAMgroupearnedinvestmentincomehttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/Authors/Mark-Yu.pngMarkYuMarkYuhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/articles/2020/Perspectives%20-%20PC%20Investment%20Highlights/NEAMgroup_earned_investment_income_contribution_by_asset_class.jpgNEAMgroupearnedinvestmentincomecontributionbyassetclassNEAMgroupearnedinvestmentincomecontributionbyassetclasshttps://www.neamgroup.com/hubfs/articles/2020/Perspectives%20-%20PC%20Investment%20Highlights/NEAMgroup_fixed_income_credit_quality.jpgNEAMgroupfixedincomecreditqualityNEAMgroupfixedincomecreditqualityhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2020/Perspectives%20-%20PC%20Investment%20Highlights/NEAMgroup_industry_return_and_risk_profile_by_company.jpgNEAMgroupindustryreturnandriskprofilebycompanyNEAMgroupindustryreturnandriskprofilebycompanyhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/articles/2020/Perspectives%20-%20PC%20Investment%20Highlights/pc_fight_for_yield.jpgpcfightforyieldpcfightforyieldhttps://www.neamgroup.com/hubfs/articles/2020/Perspectives%20-%20PC%20Investment%20Highlights/NEAMgroup_fixed_income_book_yield.jpgNEAMgroupfixedincomebookyieldNEAMgroupfixedincomebookyieldhttps://www.neamgroup.com/hubfs/articles/2020/Perspectives%20-%20PC%20Investment%20Highlights/NEAMgroup_risk_asset_allocations.jpgNEAMgroupriskassetallocationsNEAMgroupriskassetallocationshttps://www.neamgroup.com/hubfs/articles/2020/Perspectives%20-%20PC%20Investment%20Highlights/NEAMgroup_fixed_income_option_adjusted_duration.jpgNEAMgroupfixedincomeoptionadjusteddurationNEAMgroupfixedincomeoptionadjusteddurationhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2020/Perspectives%20-%20PC%20Investment%20Highlights/NEAMgroup_fixed_income_sector_allocation.jpgNEAMgroupfixedincomesectorallocationNEAMgroupfixedincomesectorallocationhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/articles/2020/Perspectives%20-%20PC%20Investment%20Highlights/NEAMgroup_broad_sector_allocation.jpgNEAMgroupbroadsectorallocationNEAMgroupbroadsectorallocation2020-10-26https://www.neamgroup.com/insights/trade-winds-december-2025https://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/Authors/Coley-Lynch.pngColeyLynchColeyLynchhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/articles/2025/Trade%20Winds%20-%20December%202025/NEAMgroup_05_tradewinds_12_2025.jpgNEAMgroup05tradewinds122025NEAMgroup05tradewinds122025https://www.neamgroup.com/hubfs/articles/2025/Trade%20Winds%20-%20December%202025/NEAMgroup_08_tradewinds_12_2025.jpgNEAMgroup08tradewinds122025NEAMgroup08tradewinds122025https://www.neamgroup.com/hubfs/articles/2025/Trade%20Winds%20-%20December%202025/NEAMgroup_01_tradewinds_12_2025.jpgNEAMgroup01tradewinds122025NEAMgroup01tradewinds122025https://www.neamgroup.com/hubfs/articles/tradewinds.jpgtradewindstradewindshttps://www.neamgroup.com/hubfs/articles/2025/Trade%20Winds%20-%20December%202025/NEAMgroup_07_tradewinds_12_2025.jpgNEAMgroup07tradewinds122025NEAMgroup07tradewinds122025https://www.neamgroup.com/hubfs/articles/2025/Trade%20Winds%20-%20December%202025/NEAMgroup_02_tradewinds_12_2025.jpgNEAMgroup02tradewinds122025NEAMgroup02tradewinds122025https://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/articles/2025/Trade%20Winds%20-%20December%202025/NEAMgroup_04_tradewinds_12_2025.jpgNEAMgroup04tradewinds122025NEAMgroup04tradewinds122025https://www.neamgroup.com/hubfs/articles/2025/Trade%20Winds%20-%20December%202025/NEAMgroup_06_tradewinds_12_2025.jpgNEAMgroup06tradewinds122025NEAMgroup06tradewinds122025https://www.neamgroup.com/hubfs/articles/2025/Trade%20Winds%20-%20December%202025/NEAMgroup_03_tradewinds_12_2025.jpgNEAMgroup03tradewinds122025NEAMgroup03tradewinds122025https://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORS2025-12-05https://www.neamgroup.com/insights/light-at-the-end-of-the-tunnel-for-european-bankshttps://www.neamgroup.com/hubfs/articles/2020/Quick%20Takes%20-%20European%20Banks/NEAMgroup_equity_performance_since_2009.jpgNEAMgroupequityperformancesince2009NEAMgroupequityperformancesince2009https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/articles/2020/Quick%20Takes%20-%20European%20Banks/NEAMgroup_NPL_percentage.jpgNEAMgroupNPLpercentageNEAMgroupNPLpercentagehttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2020/Quick%20Takes%20-%20European%20Banks/NEAMgroup_top_10_banks_per_total_Assets.jpgNEAMgrouptop10bankspertotalAssetsNEAMgrouptop10bankspertotalAssetshttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/Authors/NEAM-group-Fergus-Woods.pngNEAMgroupFergusWoodsNEAMgroupFergusWoodshttps://www.neamgroup.com/hubfs/articles/2020/Quick%20Takes%20-%20European%20Banks/NEAMgroup_capital_ratios_2007_to_2019.jpgNEAMgroupcapitalratios2007to2019NEAMgroupcapitalratios2007to2019https://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/articles/2020/Quick%20Takes%20-%20European%20Banks/europeanbanks.jpgeuropeanbankseuropeanbankshttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterR2020-10-05https://www.neamgroup.com/insights/the-red-dragon-looks-a-little-out-of-breathhttps://www.neamgroup.com/hubfs/articles/2019/Quick%20Takes%20-%20Red%20Dragon%20Looks%20Out%20of%20Breath/NEAMgroup-china-retail-sailes.jpgNEAMgroupchinaretailsailesNEAMgroupchinaretailsaileshttps://www.neamgroup.com/hubfs/articles/2019/Quick%20Takes%20-%20Red%20Dragon%20Looks%20Out%20of%20Breath/NEAMgroup-china-weighted-average-bank-loan-interest-rates.jpgNEAMgroupchinaweightedaveragebankloaninterestratesNEAMgroupchinaweightedaveragebankloaninterestrateshttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/Authors/Vin-Delucia.pngVinDeluciaVinDeluciahttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/articles/2019/Quick%20Takes%20-%20Red%20Dragon%20Looks%20Out%20of%20Breath/dragonoutofbreath.jpgdragonoutofbreathdragonoutofbreathhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/articles/2019/Quick%20Takes%20-%20Red%20Dragon%20Looks%20Out%20of%20Breath/NEAMgroup-china-exports.jpgNEAMgroupchinaexportsNEAMgroupchinaexportshttps://www.neamgroup.com/hubfs/articles/2019/Quick%20Takes%20-%20Red%20Dragon%20Looks%20Out%20of%20Breath/NEAMgroup-china-imports.jpgNEAMgroupchinaimportsNEAMgroupchinaimportshttps://www.neamgroup.com/hubfs/articles/2019/Quick%20Takes%20-%20Red%20Dragon%20Looks%20Out%20of%20Breath/NEAMgroup-china-surveyed-unemployment-rate.jpgNEAMgroupchinasurveyedunemploymentrateNEAMgroupchinasurveyedunemploymentratehttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearch2019-08-19https://www.neamgroup.com/insights/steady-by-choice-powerful-by-design-the-case-for-actively-managed-core-fixed-incomehttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/articles/2026/Quick%20Takes%20-%20%20Steady%20by%20Choice%20Powerful%20by%20Design/NEAMgroup_income_return_dominates_price_return.jpgNEAMgroupincomereturndominatespricereturnNEAMgroupincomereturndominatespricereturnhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/Authors/NEAM-Jennifer-Quisenberry.pngNEAMJenniferQuisenberryNEAMJenniferQuisenberryhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2026/Quick%20Takes%20-%20%20Steady%20by%20Choice%20Powerful%20by%20Design/steadybychoice.jpgsteadybychoicesteadybychoice2026-03-31https://www.neamgroup.com/insights/trade-winds-june-2025https://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2025/Trade%20Winds%20-%20June%202025/NEAMgroup_06_tradewinds06-2025.jpgNEAMgroup06tradewinds062025NEAMgroup06tradewinds062025https://www.neamgroup.com/hubfs/articles/tradewinds.jpgtradewindstradewindshttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/articles/2025/Trade%20Winds%20-%20June%202025/NEAMgroup_03_tradewinds06-2025.jpgNEAMgroup03tradewinds062025NEAMgroup03tradewinds062025https://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/Authors/Coley-Lynch.pngColeyLynchColeyLynchhttps://www.neamgroup.com/hubfs/articles/2025/Trade%20Winds%20-%20June%202025/NEAMgroup_04_tradewinds06-2025.jpgNEAMgroup04tradewinds062025NEAMgroup04tradewinds062025https://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/articles/2025/Trade%20Winds%20-%20June%202025/NEAMgroup_05_tradewinds06-2025.jpgNEAMgroup05tradewinds062025NEAMgroup05tradewinds062025https://www.neamgroup.com/hubfs/articles/2025/Trade%20Winds%20-%20June%202025/NEAMgroup_02_tradewinds06-2025.jpgNEAMgroup02tradewinds062025NEAMgroup02tradewinds062025https://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2025/Trade%20Winds%20-%20June%202025/NEAMgroup_01_tradewinds06-2025.jpgNEAMgroup01tradewinds062025NEAMgroup01tradewinds062025https://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/articles/2025/Trade%20Winds%20-%20June%202025/NEAMgroup_07_tradewinds06-2025.jpgNEAMgroup07tradewinds062025NEAMgroup07tradewinds062025https://www.neamgroup.com/hubfs/articles/2025/Trade%20Winds%20-%20June%202025/NEAMgroup_08_tradewinds06-2025.jpgNEAMgroup08tradewinds062025NEAMgroup08tradewinds062025https://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenu2025-06-05https://www.neamgroup.com/insights/quality-over-quantityhttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/Authors/Michele-Matzinger.pngMicheleMatzingerMicheleMatzingerhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/articles/NEAM-Earnings-Quality-and-Subsequent-Annual-Total-Return.jpgNEAMEarningsQualityandSubsequentAnnualTotalReturnNEAMEarningsQualityandSubsequentAnnualTotalReturnhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/articles/NEAM-Quantity-Quality.jpgNEAMQuantityQualityNEAMQuantityQualityhttps://www.neamgroup.com/hubfs/articles/NEAM-S-and-P-500-Energy-Sector-Exhibiting-Large-Earnings-Differential.jpgNEAMSandP500EnergySectorExhibitingLargeEarningsDifferentialNEAMSandP500EnergySectorExhibitingLargeEarningsDifferentialhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/articles/NEAM-Earnings-Quality-Trends-for-Sand-P-500.jpgNEAMEarningsQualityTrendsforSandP500NEAMEarningsQualityTrendsforSandP500https://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORS2016-08-15https://www.neamgroup.com/insights/caught-in-the-crossfire-managing-costs-and-complexity-in-the-2025-u.s.-tariff-landscapehttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/articles/2025/Quick%20Takes%20-%20Caught%20in%20the%20Crossfire%20-%20Tariffs/NEAMgroup_ice_bofa_corp_index_spreads.jpgNEAMgroupicebofacorpindexspreadsNEAMgroupicebofacorpindexspreadshttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/articles/2025/Quick%20Takes%20-%20Caught%20in%20the%20Crossfire%20-%20Tariffs/NEAMgroup_US_average_effective_tariff.jpgNEAMgroupUSaverageeffectivetariffNEAMgroupUSaverageeffectivetariffhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/Authors/NEAM-Patrick-Macary.pngNEAMPatrickMacaryNEAMPatrickMacaryhttps://www.neamgroup.com/hubfs/articles/2025/Quick%20Takes%20-%20Caught%20in%20the%20Crossfire%20-%20Tariffs/NEAMgroup_tariff_mitigation_dynamic_management.jpgNEAMgrouptariffmitigationdynamicmanagementNEAMgrouptariffmitigationdynamicmanagementhttps://www.neamgroup.com/hubfs/articles/2025/Quick%20Takes%20-%20Caught%20in%20the%20Crossfire%20-%20Tariffs/crossfire.jpgcrossfirecrossfire2025-10-31https://www.neamgroup.com/media-center/general-re-new-england-asset-management-inc.-gr-neamunveils-redesigned-website-and-celebrates-its-25th-anniversaryhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford20242016-06-13https://www.neamgroup.com/insights/proposed-naic-rbc-c1-factors-for-life-insurershttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/articles/2017/Perspectives%20-%20NAIC%20Proposed%20RBC%20C1/NEAMgroup_targeting_a_relative_book_yield_of_5.15.jpgNEAMgrouptargetingarelativebookyieldof515NEAMgrouptargetingarelativebookyieldof515https://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/articles/2017/Perspectives%20-%20NAIC%20Proposed%20RBC%20C1/NEAMgroup_efficient_frontiers_targeting_a_relative_book_yield_of_5.15.jpgNEAMgroupefficientfrontierstargetingarelativebookyieldof515NEAMgroupefficientfrontierstargetingarelativebookyieldof515https://www.neamgroup.com/hubfs/articles/2017/Perspectives%20-%20NAIC%20Proposed%20RBC%20C1/NEAMgroup_efficient_frontiers_comparison_current_v_proposed.jpgNEAMgroupefficientfrontierscomparisoncurrentvproposedNEAMgroupefficientfrontierscomparisoncurrentvproposedhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/articles/2017/Perspectives%20-%20NAIC%20Proposed%20RBC%20C1/NEAMgroup_formula.jpgNEAMgroupformulaNEAMgroupformulahttps://www.neamgroup.com/hubfs/articles/2017/Perspectives%20-%20NAIC%20Proposed%20RBC%20C1/NEAMgroup_US_life_industry_investment_portfolio_sector_allocation.jpgNEAMgroupUSlifeindustryinvestmentportfoliosectorallocationNEAMgroupUSlifeindustryinvestmentportfoliosectorallocationhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/articles/2017/Perspectives%20-%20NAIC%20Proposed%20RBC%20C1/NEAMgroup_baseline_optimal_portfolio_configuration_based_on_current_and_proposed_c1.jpgNEAMgroupbaselineoptimalportfolioconfigurationbasedoncurrentandproposedc1NEAMgroupbaselineoptimalportfolioconfigurationbasedoncurrentandproposedc1https://www.neamgroup.com/hubfs/articles/2017/Perspectives%20-%20NAIC%20Proposed%20RBC%20C1/NEAMgroup_efficient_frontiers_where_the_duration_remains_constant.jpgNEAMgroupefficientfrontierswherethedurationremainsconstantNEAMgroupefficientfrontierswherethedurationremainsconstanthttps://www.neamgroup.com/hubfs/articles/2017/Perspectives%20-%20NAIC%20Proposed%20RBC%20C1/NEAMgroup_US_life_industry_return_on_equity_components_and_assumptions.jpgNEAMgroupUSlifeindustryreturnonequitycomponentsandassumptionsNEAMgroupUSlifeindustryreturnonequitycomponentsandassumptionshttps://www.neamgroup.com/hubfs/Authors/Mark-Yu.pngMarkYuMarkYuhttps://www.neamgroup.com/hubfs/articles/2017/Perspectives%20-%20NAIC%20Proposed%20RBC%20C1/NEAMgroup_proposed_credit_Rating_granularity_and_capital_charges.jpgNEAMgroupproposedcreditRatinggranularityandcapitalchargesNEAMgroupproposedcreditRatinggranularityandcapitalchargeshttps://www.neamgroup.com/hubfs/articles/2017/Perspectives%20-%20NAIC%20Proposed%20RBC%20C1/NEAMgroup_where_the_duration_remains_constant.jpgNEAMgroupwherethedurationremainsconstantNEAMgroupwherethedurationremainsconstanthttps://www.neamgroup.com/hubfs/articles/2017/Perspectives%20-%20NAIC%20Proposed%20RBC%20C1/naicRBC.jpgnaicRBCnaicRBC2017-04-24https://www.neamgroup.com/insights/lloyds-esg-report-2020-what-is-the-potential-impact-on-your-investment-portfoliohttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2021/Quick%20Takes%20-%20Lloyds%20ESG%202020/NEAMgroup_index_sector_weightings.jpgNEAMgroupindexsectorweightingsNEAMgroupindexsectorweightingshttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2021/Quick%20Takes%20-%20Lloyds%20ESG%202020/NEAMgroup_effective_yield_index_energy_utility_sectors.jpgNEAMgroupeffectiveyieldindexenergyutilitysectorsNEAMgroupeffectiveyieldindexenergyutilitysectorshttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/Authors/NEAM-Graham-Kirk.pngNEAMGrahamKirkNEAMGrahamKirkhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/articles/2020/Quick%20Takes%20-%20Funds%20at%20Lloyds%20Asset%20Allocation/fundatlloyds.jpgfundatlloydsfundatlloydshttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdown2021-09-13https://www.neamgroup.com/insights/cmbs-structural-protectionshttps://www.neamgroup.com/hubfs/articles/2020/Quick%20Takes%20-%20CMBS%20Structural%20Protections/NEAMgroup_typical_CMBS_structure.jpgNEAMgrouptypicalCMBSstructureNEAMgrouptypicalCMBSstructurehttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/articles/2020/Quick%20Takes%20-%20CMBS%20Structural%20Protections/CMBSstructuralprotections.jpgCMBSstructuralprotectionsCMBSstructuralprotectionshttps://www.neamgroup.com/hubfs/articles/2020/Quick%20Takes%20-%20CMBS%20Structural%20Protections/NEAMgroup_CMBS_30_plus_day_delinquency_history.jpgNEAMgroupCMBS30plusdaydelinquencyhistoryNEAMgroupCMBS30plusdaydelinquencyhistoryhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/Authors/NEAM-Chad-Zahner.pngNEAMChadZahnerNEAMChadZahnerhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTop2020-09-10https://www.neamgroup.com/insights/infrastructure-investment-opportunity-for-european-insurershttps://www.neamgroup.com/hubfs/articles/2017/Perspectives%20-%20US%20Muni%20Debt/Neam_group_Outstanding_Debt_by_Sector_in_US_Bond_Market.jpgNeamgroupOutstandingDebtbySectorinUSBondMarketNeamgroupOutstandingDebtbySectorinUSBondMarkethttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/Authors/John-Loughrey-Ph-D.pngJohnLoughreyPhDJohnLoughreyPhDhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/articles/2017/Perspectives%20-%20US%20Muni%20Debt/Neam_group_Rating_Distributions_for_Municipals_Versus_Corporates.jpgNeamgroupRatingDistributionsforMunicipalsVersusCorporatesNeamgroupRatingDistributionsforMunicipalsVersusCorporateshttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2017/Perspectives%20-%20US%20Muni%20Debt/iStock-504367845-V1.jpgiStock504367845V1iStock504367845V1https://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2017/Perspectives%20-%20US%20Muni%20Debt/Neam_group_Solvency_II_Spread_Risk_Charges_for_Corporates_and_infrastructure_Investments.jpgNeamgroupSolvencyIISpreadRiskChargesforCorporatesandinfrastructureInvestmentsNeamgroupSolvencyIISpreadRiskChargesforCorporatesandinfrastructureInvestmentshttps://www.neamgroup.com/hubfs/articles/2017/Perspectives%20-%20US%20Muni%20Debt/Neam_group_Moody's_10_Year_Cumulative_Default_Rates_for_Municipals_Versus_Corporates.jpgNeamgroupMoodys10YearCumulativeDefaultRatesforMunicipalsVersusCorporatesNeamgroupMoodys10YearCumulativeDefaultRatesforMunicipalsVersusCorporateshttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/articles/2017/Perspectives%20-%20US%20Muni%20Debt/Neam_group_Municipal_Bond_Market_Sector_Distribution.jpgNeamgroupMunicipalBondMarketSectorDistributionNeamgroupMunicipalBondMarketSectorDistributionhttps://www.neamgroup.com/hubfs/articles/2017/Perspectives%20-%20US%20Muni%20Debt/Neam_group_Yield_Comparison_of_Selected%20Sectors_March_2017.jpgNeamgroupYieldComparisonofSelectedSectorsMarch2017NeamgroupYieldComparisonofSelectedSectorsMarch20172018-01-04https://www.neamgroup.com/media-center/gr-neam-expands-its-global-insurance-asset-management-presencehttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearch2016-06-13https://www.neamgroup.com/insights/is-the-climate-changing-on-climate-change-regulationhttps://www.neamgroup.com/hubfs/articles/2024/Quick%20Takes%20-%20Climate%20Changing%20on%20Climate%20Change/climateonclimatechange.jpgclimateonclimatechangeclimateonclimatechangehttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/articles/2024/Quick%20Takes%20-%20Climate%20Changing%20on%20Climate%20Change/NEAMgroup_02_percent_government_more_climate_change.jpgNEAMgroup02percentgovernmentmoreclimatechangeNEAMgroup02percentgovernmentmoreclimatechangehttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/articles/2024/Quick%20Takes%20-%20Climate%20Changing%20on%20Climate%20Change/quotation-bob-inglis.jpgquotationbobinglisquotationbobinglishttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/Authors/NEAM-Robb-Barnum.pngNEAMRobbBarnumNEAMRobbBarnumhttps://www.neamgroup.com/hubfs/articles/2024/Quick%20Takes%20-%20Climate%20Changing%20on%20Climate%20Change/NEAMgroup_01_sampling_climate_risk_related_regulation.jpgNEAMgroup01samplingclimateriskrelatedregulationNEAMgroup01samplingclimateriskrelatedregulationhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMR2024-05-14https://www.neamgroup.com/esg-at-neamhttps://www.neamgroup.com/hubfs/assets/images/ESG%20-%20Sustainability/esg-gears-arrows.pngesggearsarrowsesggearsarrowshttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/ESG%20-%20Sustainability/esg-city.pngesgcityesgcityhttps://www.neamgroup.com/hubfs/assets/images/img-green-arrow.pngimggreenarrowimggreenarrowhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/assets/images/ESG%20-%20Sustainability/esg-gauge.pngesggaugeesggaugehttps://www.neamgroup.com/hubfs/assets/images/ESG%20-%20Sustainability/esg-light-bulb.pngesglightbulbesglightbulbhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/assets/images/ESG%20-%20Sustainability/esg-gears.pngesggearsesggearshttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/images/featured%20image%20-%20logo.jpgNEAMlogofeaturedimagelogohttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/assets/images/ESG%20-%20Sustainability/esg-carbon.pngesgcarbonesgcarbonhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/assets/images/ESG%20-%20Sustainability/UNCC-logo.jpgUNCClogoUNCClogohttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/assets/images/ESG%20Limited%20-%20Social.jpgESGLimitedSocialESGLimitedSocialhttps://www.neamgroup.com/hubfs/assets/images/ESG%20-%20Sustainability/esg-money-plant.pngesgmoneyplantesgmoneyplanthttps://www.neamgroup.com/hubfs/assets/images/ESG%20-%20Sustainability/esg-globe.pngesgglobeesgglobehttps://www.neamgroup.com/hubfs/assets/images/ESG%20Limited%20-%20Environmental.jpgESGLimitedEnvironmentalESGLimitedEnvironmentalhttps://www.neamgroup.com/hubfs/assets/images/ESG%20-%20Sustainability/PRI%20signature-1.pngPRIsignature1PRIsignature12025-06-27https://www.neamgroup.com/insights/the-red-dragon-loses-some-firehttps://www.neamgroup.com/hubfs/articles/NEAM-Chart-1-China-Exports-to-World-vs-Dollar.jpgNEAMChart1ChinaExportstoWorldvsDollarNEAMChart1ChinaExportstoWorldvsDollarhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/articles/NEAM-Chart-3-Total-Social-Financing-Percent-of-GDP.jpgNEAMChart3TotalSocialFinancingPercentofGDPNEAMChart3TotalSocialFinancingPercentofGDPhttps://www.neamgroup.com/hubfs/Authors/Vin-Delucia.pngVinDeluciaVinDeluciahttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/articles/NEAM-Quick-Takes-China-1.jpgNEAMQuickTakesChina1NEAMQuickTakesChina1https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/articles/NEAM-Chart-2-Chinese-Per-Capita-Household-Consumption-Expenditure-Urban-vs-Rural.jpgNEAMChart2ChinesePerCapitaHouseholdConsumptionExpenditureUrbanvsRuralNEAMChart2ChinesePerCapitaHouseholdConsumptionExpenditureUrbanvsRuralhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterR2016-06-09https://www.neamgroup.com/at-a-glancehttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/NEA-Assets-Under-Management-Region-Legend.pngNEAAssetsUnderManagementRegionLegendNEAAssetsUnderManagementRegionLegendhttps://www.neamgroup.com/hubfs/NEAM-Assets-Under-Management-By-Region.pngNEAMAssetsUnderManagementByRegionNEAMAssetsUnderManagementByRegionhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/NEAM-Assets-Under-Management-by-Class-Legend.pngNEAMAssetsUnderManagementbyClassLegendNEAMAssetsUnderManagementbyClassLegendhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/NEAM-Assets-Under-Management-By-Class.pngNEAMAssetsUnderManagementByClassNEAMAssetsUnderManagementByClasshttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTop2026-02-24https://www.neamgroup.com/job-scahttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMR2017-11-07https://www.neamgroup.com/insights/the-municipal-bond-market-amid-progressive-federalismhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/articles/2021/Quick%20Takes%20-%20Muni%20Progressive%20Federalism/NEAMgroup_index_annualized_returns.jpgNEAMgroupindexannualizedreturnsNEAMgroupindexannualizedreturnshttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/Authors/Sean-T-Coughlin.pngSeanTCoughlinSeanTCoughlinhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/articles/2021/Quick%20Takes%20-%20Muni%20Progressive%20Federalism/progressivefederalism.jpgprogressivefederalismprogressivefederalismhttps://www.neamgroup.com/hubfs/articles/2021/Quick%20Takes%20-%20Muni%20Progressive%20Federalism/NEAMgroup_debt_outstanding_municipal_bonds_UST_debt.jpgNEAMgroupdebtoutstandingmunicipalbondsUSTdebtNEAMgroupdebtoutstandingmunicipalbondsUSTdebthttps://www.neamgroup.com/hubfs/articles/2021/Quick%20Takes%20-%20Muni%20Progressive%20Federalism/NEAMgroup_Municipal_Credit.jpgNEAMgroupMunicipalCreditNEAMgroupMunicipalCredithttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2021/Quick%20Takes%20-%20Muni%20Progressive%20Federalism/NEAMgroup_property_casualty_taxable_equivalent_muni_UST_yields.jpgNEAMgrouppropertycasualtytaxableequivalentmuniUSTyieldsNEAMgrouppropertycasualtytaxableequivalentmuniUSTyieldshttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/articles/2021/Quick%20Takes%20-%20Muni%20Progressive%20Federalism/NEAMgroup_municipal_bonds_defaults_distressed_events.jpgNEAMgroupmunicipalbondsdefaultsdistressedeventsNEAMgroupmunicipalbondsdefaultsdistressedevents2021-06-17https://www.neamgroup.com/insights/monthly-economic-highlights-january-2024https://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2024/Outlook%20-%20January%202024/NEAMgroup_04_jan_2024.jpgNEAMgroup04jan2024NEAMgroup04jan2024https://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2024/Outlook%20-%20January%202024/NEAMgroup_06_jan_2024.jpgNEAMgroup06jan2024NEAMgroup06jan2024https://www.neamgroup.com/hubfs/articles/2024/Outlook%20-%20January%202024/NEAMgroup_01_jan_2024.jpgNEAMgroup01jan2024NEAMgroup01jan2024https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/articles/2023/Outlook%20-%20June%202023/outlook.jpgoutlookoutlookhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/Authors/Coley-Lynch.pngColeyLynchColeyLynchhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/articles/2024/Outlook%20-%20January%202024/NEAMgroup_05_jan_2024.jpgNEAMgroup05jan2024NEAMgroup05jan2024https://www.neamgroup.com/hubfs/articles/2024/Outlook%20-%20January%202024/NEAMgroup_08_jan_2024.jpgNEAMgroup08jan2024NEAMgroup08jan2024https://www.neamgroup.com/hubfs/articles/2024/Outlook%20-%20January%202024/NEAMgroup_07_jan_2024.jpgNEAMgroup07jan2024NEAMgroup07jan2024https://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/articles/2024/Outlook%20-%20January%202024/NEAMgroup_02_jan_2024.jpgNEAMgroup02jan2024NEAMgroup02jan2024https://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/articles/2024/Outlook%20-%20January%202024/NEAMgroup_03_jan_2024.jpgNEAMgroup03jan2024NEAMgroup03jan20242024-01-09https://www.neamgroup.com/insights/2016-u.s.-life-investment-highlights-yield-decline-continueshttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/articles/2017/Perspectives%20-%20Life%20Highlights%20(Nov)/NEAM-group-fixed-income-book-yields-by-credit-rating.jpgNEAMgroupfixedincomebookyieldsbycreditratingNEAMgroupfixedincomebookyieldsbycreditratinghttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2017/Perspectives%20-%20Life%20Highlights%20(Nov)/yielddeclinecontinues.jpgyielddeclinecontinuesyielddeclinecontinueshttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/Authors/Mark-Yu.pngMarkYuMarkYuhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/articles/2017/Perspectives%20-%20Life%20Highlights%20(Nov)/NEAM-group-fixed-income-credit-quality.jpgNEAMgroupfixedincomecreditqualityNEAMgroupfixedincomecreditqualityhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/articles/2017/Perspectives%20-%20Life%20Highlights%20(Nov)/NEAM-group-statutory-investment-results-before-taxes-and-expenses.jpgNEAMgroupstatutoryinvestmentresultsbeforetaxesandexpensesNEAMgroupstatutoryinvestmentresultsbeforetaxesandexpenseshttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/articles/2017/Perspectives%20-%20Life%20Highlights%20(Nov)/NEAM-group-fixed-income-sector-allocation.jpgNEAMgroupfixedincomesectorallocationNEAMgroupfixedincomesectorallocationhttps://www.neamgroup.com/hubfs/articles/2017/Perspectives%20-%20Life%20Highlights%20(Nov)/NEAM-group-life-broad-sector-asset-allocation.jpgNEAMgrouplifebroadsectorassetallocationNEAMgrouplifebroadsectorassetallocationhttps://www.neamgroup.com/hubfs/articles/2017/Perspectives%20-%20Life%20Highlights%20(Nov)/NEAM-group-US-life-industry-highlights-dollars-billions-except-return-on-equity.jpgNEAMgroupUSlifeindustryhighlightsdollarsbillionsexceptreturnonequityNEAMgroupUSlifeindustryhighlightsdollarsbillionsexceptreturnonequityhttps://www.neamgroup.com/hubfs/articles/2017/Perspectives%20-%20Life%20Highlights%20(Nov)/NEAM-group-earned-investment-income-by-broad-asset-class-and-fixed-income-gross-book-yield.jpgNEAMgroupearnedinvestmentincomebybroadassetclassandfixedincomegrossbookyieldNEAMgroupearnedinvestmentincomebybroadassetclassandfixedincomegrossbookyieldhttps://www.neamgroup.com/hubfs/articles/2017/Perspectives%20-%20Life%20Highlights%20(Nov)/NEAM-group-fixed-income-duration-by-credit-rating-category.jpgNEAMgroupfixedincomedurationbycreditratingcategoryNEAMgroupfixedincomedurationbycreditratingcategoryhttps://www.neamgroup.com/hubfs/articles/2017/Perspectives%20-%20Life%20Highlights%20(Nov)/NEAM-group-fixed-income-sector-option-adjusted-duration.jpgNEAMgroupfixedincomesectoroptionadjusteddurationNEAMgroupfixedincomesectoroptionadjusteddurationhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/articles/2017/Perspectives%20-%20Life%20Highlights%20(Nov)/NEAM-group-fixed-income-sector-book-yields-percent-ex-non-rated.jpgNEAMgroupfixedincomesectorbookyieldspercentexnonratedNEAMgroupfixedincomesectorbookyieldspercentexnonrated2017-11-14https://www.neamgroup.com/insights/trade-winds-january-2026https://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/articles/2026/Trade%20Winds%20-%2001-2026/NEAMgroup_trade_winds_05_jan_2026.jpgNEAMgrouptradewinds05jan2026NEAMgrouptradewinds05jan2026https://www.neamgroup.com/hubfs/articles/2026/Trade%20Winds%20-%2001-2026/NEAMgroup_trade_winds_02_jan_2026.jpgNEAMgrouptradewinds02jan2026NEAMgrouptradewinds02jan2026https://www.neamgroup.com/hubfs/articles/2026/Trade%20Winds%20-%2001-2026/NEAMgroup_trade_winds_01_jan_2026.jpgNEAMgrouptradewinds01jan2026NEAMgrouptradewinds01jan2026https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/articles/2026/Trade%20Winds%20-%2001-2026/NEAMgroup_trade_winds_04_jan_2026.jpgNEAMgrouptradewinds04jan2026NEAMgrouptradewinds04jan2026https://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/articles/tradewinds.jpgtradewindstradewindshttps://www.neamgroup.com/hubfs/articles/2026/Trade%20Winds%20-%2001-2026/NEAMgroup_trade_winds_07_jan_2026.jpgNEAMgrouptradewinds07jan2026NEAMgrouptradewinds07jan2026https://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2026/Trade%20Winds%20-%2001-2026/NEAMgroup_trade_winds_08_jan_2026.jpgNEAMgrouptradewinds08jan2026NEAMgrouptradewinds08jan2026https://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/articles/2026/Trade%20Winds%20-%2001-2026/NEAMgroup_trade_winds_03_jan_2026.jpgNEAMgrouptradewinds03jan2026NEAMgrouptradewinds03jan2026https://www.neamgroup.com/hubfs/articles/2026/Trade%20Winds%20-%2001-2026/NEAMgroup_trade_winds_06_jan_2026.jpgNEAMgrouptradewinds06jan2026NEAMgrouptradewinds06jan2026https://www.neamgroup.com/hubfs/Authors/Coley-Lynch.pngColeyLynchColeyLynchhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMR2026-01-08https://www.neamgroup.com/data-privacy-statement/non-ushttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterR2023-10-17https://www.neamgroup.com/media-center/gr-neam-hires-mark-m-yuhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydown2016-06-13https://www.neamgroup.com/insights/municipal-market-implications-of-the-detroit-bankruptcyhttps://www.neamgroup.com/hubfs/articles/NEAM-Chart-2-Census-Data-Detroit-vs-US.pngNEAMChart2CensusDataDetroitvsUSNEAMChart2CensusDataDetroitvsUShttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/Authors/Sean-T-Coughlin.pngSeanTCoughlinSeanTCoughlinhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/articles/NEAM-Table-1-Other-Relevant-Municipal-Bankruptcies.pngNEAMTable1OtherRelevantMunicipalBankruptciesNEAMTable1OtherRelevantMunicipalBankruptcieshttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/articles/NEAM-Chart-3-City-of-Detroit-Liabilities-and-Recoveries.pngNEAMChart3CityofDetroitLiabilitiesandRecoveriesNEAMChart3CityofDetroitLiabilitiesandRecoverieshttps://www.neamgroup.com/hubfs/articles/NEAM-Chart-1-P-C-Industry-Fixed-Income-Allocation-2013.pngNEAMChart1PCIndustryFixedIncomeAllocation2013NEAMChart1PCIndustryFixedIncomeAllocation2013https://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/articles/NEAM-PC-Industry-Fixed-Income-Allocation-2013.jpgNEAMPCIndustryFixedIncomeAllocation2013NEAMPCIndustryFixedIncomeAllocation20132016-04-13https://www.neamgroup.com/insights/the-biden-agenda-a-reflationary-impulse-implications-for-capital-markets...and-americahttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2021/Quick%20Takes%20-%20Biden%20Agenda/NEAMgroup_US_yield_curve_and_10_year_inflation_breakeven_rates.jpgNEAMgroupUSyieldcurveand10yearinflationbreakevenratesNEAMgroupUSyieldcurveand10yearinflationbreakevenrateshttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/articles/2021/Quick%20Takes%20-%20Biden%20Agenda/NEAMgroup_10_year_US_TIPS_yield.jpgNEAMgroup10yearUSTIPSyieldNEAMgroup10yearUSTIPSyieldhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/articles/2021/Quick%20Takes%20-%20Biden%20Agenda/bidenagenda.jpgbidenagendabidenagendahttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/Authors/Vin-Delucia.pngVinDeluciaVinDeluciahttps://www.neamgroup.com/hubfs/articles/2021/Quick%20Takes%20-%20Biden%20Agenda/NEAMgroup_US_budget_deficit_dollars_precent_GDP.jpgNEAMgroupUSbudgetdeficitdollarsprecentGDPNEAMgroupUSbudgetdeficitdollarsprecentGDPhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydown2021-03-16https://www.neamgroup.com/insights/enterprise-risk-capacity-shifts-in-risk-volume-iihttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/articles/2024/Perspectives%20-%20Enterprise%20Risk%20Capacity%20-%20Shifts%20Vol%202/NEAMgroup_02_pc_invested_assets_surplus_premiums.jpgNEAMgroup02pcinvestedassetssurpluspremiumsNEAMgroup02pcinvestedassetssurpluspremiumshttps://www.neamgroup.com/hubfs/articles/2024/Perspectives%20-%20Enterprise%20Risk%20Capacity%20-%20Shifts%20Vol%202/NEAMgroup_04_pc_industry_pre-tax_statutory_ROE.jpgNEAMgroup04pcindustrypretaxstatutoryROENEAMgroup04pcindustrypretaxstatutoryROEhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/articles/2024/Perspectives%20-%20Enterprise%20Risk%20Capacity%20-%20Shifts%20Vol%202/NEAMgroup_09_comparison_10-year_underwriting_margin_treasury_rates.jpgNEAMgroup09comparison10yearunderwritingmargintreasuryratesNEAMgroup09comparison10yearunderwritingmargintreasuryrateshttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2024/Perspectives%20-%20Enterprise%20Risk%20Capacity%20-%20Shifts%20Vol%202/NEAMgroup_01_pc_insurance_industry_year_end_surplus_growth.jpgNEAMgroup01pcinsuranceindustryyearendsurplusgrowthNEAMgroup01pcinsuranceindustryyearendsurplusgrowthhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/articles/2024/Perspectives%20-%20Enterprise%20Risk%20Capacity%20-%20Shifts%20Vol%202/NEAMgroup_07_bond_quality_allocation_drift_over_time.jpgNEAMgroup07bondqualityallocationdriftovertimeNEAMgroup07bondqualityallocationdriftovertimehttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/articles/2024/Perspectives%20-%20Enterprise%20Risk%20Capacity%20-%20Shifts%20Vol%202/NEAMgroup_08_15-year_underwriting_performance_trends.jpgNEAMgroup0815yearunderwritingperformancetrendsNEAMgroup0815yearunderwritingperformancetrendshttps://www.neamgroup.com/hubfs/articles/2024/Perspectives%20-%20Enterprise%20Risk%20Capacity%20-%20Shifts%20Vol%202/NEAMgroup_05_change_volatility_estimates_UM_invstment_returns.jpgNEAMgroup05changevolatilityestimatesUMinvstmentreturnsNEAMgroup05changevolatilityestimatesUMinvstmentreturnshttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/Authors/Chris-Myers.pngChrisMyersChrisMyershttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2024/Perspectives%20-%20Enterprise%20Risk%20Capacity%20-%20Shifts%20Vol%202/NEAMgroup_T1_trailing_10_year_trend_year_end_statutory_returns.jpgNEAMgroupT1trailing10yeartrendyearendstatutoryreturnsNEAMgroupT1trailing10yeartrendyearendstatutoryreturnshttps://www.neamgroup.com/hubfs/articles/2022/Perspectives%20-%20Enterprise%20Risk%20Capacity%20-%20Shifts%20in%20Risk/shiftsinrisk.jpgshiftsinriskshiftsinriskhttps://www.neamgroup.com/hubfs/articles/2024/Perspectives%20-%20Enterprise%20Risk%20Capacity%20-%20Shifts%20Vol%202/NEAMgroup_03_dupont_formula.jpgNEAMgroup03dupontformulaNEAMgroup03dupontformulahttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/articles/2024/Perspectives%20-%20Enterprise%20Risk%20Capacity%20-%20Shifts%20Vol%202/NEAMgroup_06_broad_sector_allocation_drift_over_time.jpgNEAMgroup06broadsectorallocationdriftovertimeNEAMgroup06broadsectorallocationdriftovertime2024-11-12https://www.neamgroup.com/insights/is-it-time-to-worry-about-inflationhttps://www.neamgroup.com/hubfs/NEAM-William-E-Rotatori.pngNEAMWilliamERotatoriNEAMWilliamERotatorihttps://www.neamgroup.com/hubfs/articles/2021/Quick%20Takes%20-%20Worry%20about%20Inflation/inflationworry.jpginflationworryinflationworryhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/articles/2021/Quick%20Takes%20-%20Worry%20about%20Inflation/NEAMgroup_CPI_used_vehicles.jpgNEAMgroupCPIusedvehiclesNEAMgroupCPIusedvehicleshttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/articles/2021/Quick%20Takes%20-%20Worry%20about%20Inflation/NEAMgroup_inflation_and_inflation_expectations.jpgNEAMgroupinflationandinflationexpectationsNEAMgroupinflationandinflationexpectationshttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2021/Quick%20Takes%20-%20Worry%20about%20Inflation/NEAMgroup_labor_market_slack.jpgNEAMgrouplabormarketslackNEAMgrouplabormarketslackhttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/articles/2021/Quick%20Takes%20-%20Worry%20about%20Inflation/NEAMgroup_percent_change_home_price.jpgNEAMgrouppercentchangehomepriceNEAMgrouppercentchangehomeprice2021-05-11https://www.neamgroup.com/media-center/gr-neam-introduces-equity-yield-investment-strategy-for-insurance-company-clientshttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMR2016-06-13https://www.neamgroup.com/insights/investment-highlights-rehab-the-long-road-to-recoveryhttps://www.neamgroup.com/hubfs/articles/NEAM-Chart-4-Historic-and-Projected-Fixed-Income-Yields-A.jpgNEAMChart4HistoricandProjectedFixedIncomeYieldsANEAMChart4HistoricandProjectedFixedIncomeYieldsAhttps://www.neamgroup.com/hubfs/articles/NEAM-2014-Taxable-and-Tax-Exempt-Bond-Holdings-Term-Structure-A.jpgNEAM2014TaxableandTaxExemptBondHoldingsTermStructureANEAM2014TaxableandTaxExemptBondHoldingsTermStructureAhttps://www.neamgroup.com/hubfs/articles/NEAM-Taxable-and-Tax-Exempt-Prospective-Term-Structures-A.jpgNEAMTaxableandTaxExemptProspectiveTermStructuresANEAMTaxableandTaxExemptProspectiveTermStructuresAhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/articles/NEAM-Option-adjusted-duration.jpgNEAMOptionadjusteddurationNEAMOptionadjusteddurationhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/articles/NEAM-Insurance-Operating-and-Other-Assumptions-Summary-1.jpgNEAMInsuranceOperatingandOtherAssumptionsSummary1NEAMInsuranceOperatingandOtherAssumptionsSummary1https://www.neamgroup.com/hubfs/articles/NEAM-Taxable-and-tax-exempt-historic-pre-tax-book-yields.jpgNEAMTaxableandtaxexempthistoricpretaxbookyieldsNEAMTaxableandtaxexempthistoricpretaxbookyieldshttps://www.neamgroup.com/hubfs/NEAM-James-E-Bachman.pngNEAMJamesEBachmanNEAMJamesEBachmanhttps://www.neamgroup.com/hubfs/articles/NEAM-Taxable-and-Tax-Exempt-Historic-Pre-Tax-Book-Yields-and-Durations.jpgNEAMTaxableandTaxExemptHistoricPreTaxBookYieldsandDurationsNEAMTaxableandTaxExemptHistoricPreTaxBookYieldsandDurationshttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/articles/NEAM-Chart-4-Historic-and-Projected-Fixed-Income-Yields-B.jpgNEAMChart4HistoricandProjectedFixedIncomeYieldsBNEAMChart4HistoricandProjectedFixedIncomeYieldsBhttps://www.neamgroup.com/hubfs/articles/NEAM-2014-Taxable-and-Tax-Exempt-Bond-Holdings-Term-Structure-B.jpgNEAM2014TaxableandTaxExemptBondHoldingsTermStructureBNEAM2014TaxableandTaxExemptBondHoldingsTermStructureBhttps://www.neamgroup.com/hubfs/articles/NEAM-Financial-and-Statistical-Summary-1.jpgNEAMFinancialandStatisticalSummary1NEAMFinancialandStatisticalSummary1https://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/articles/NEAM-Taxable-and-Tax-Exempt-Prospective-Term-Structures-B.jpgNEAMTaxableandTaxExemptProspectiveTermStructuresBNEAMTaxableandTaxExemptProspectiveTermStructuresBhttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/articles/NEAM-Fixed-Income-Ratings-Across-Time-1.jpgNEAMFixedIncomeRatingsAcrossTime1NEAMFixedIncomeRatingsAcrossTime1https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydown2020-05-19https://www.neamgroup.com/lost-at-sea-errorhttps://www.neamgroup.com/hubfs/images/life%20preserver.jpglifepreserverlifepreserverhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMR2024-10-15https://www.neamgroup.com/media-center/neam-establishes-the-gerard-thomas-lynch-scholarshiphttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/assets/images/img-logo-footer.pngNEAMLogoimglogofooterhttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenu2025-02-24https://www.neamgroup.com/insights/2020-strangest-end-to-a-business-cycle-in-modern-historyhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/Authors/Michele-Matzinger.pngMicheleMatzingerMicheleMatzingerhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/articles/2021/Quick%20Takes%20-%20Strangest%20End%20to%20Business%20Cycle/NEAMgroup_sector_performance_since_pfizer_vaccine_results.jpgNEAMgroupsectorperformancesincepfizervaccineresultsNEAMgroupsectorperformancesincepfizervaccineresultshttps://www.neamgroup.com/hubfs/articles/2021/Quick%20Takes%20-%20Strangest%20End%20to%20Business%20Cycle/NEAMgroup_technology_and_dividend_equity_beta.jpgNEAMgrouptechnologyanddividendequitybetaNEAMgrouptechnologyanddividendequitybetahttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/articles/2021/Quick%20Takes%20-%20Strangest%20End%20to%20Business%20Cycle/strangestend.jpgstrangestendstrangestendhttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowus2021-02-22https://www.neamgroup.com/insights/attract-visitors-with-compelling-blog-content-samplehttps://www.neamgroup.com/hubfs/oil-and-gas.pngoilandgasoilandgashttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/Authors/Sean-Conaghan.pngSeanConaghanSeanConaghanhttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/articles/NEAM-Energy-Spreads-BBB.jpgNEAMEnergySpreadsBBBNEAMEnergySpreadsBBBhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/articles/NEAM-Global-Oil-Supply-and-Demand.jpgNEAMGlobalOilSupplyandDemandNEAMGlobalOilSupplyandDemand2016-04-11https://www.neamgroup.com/insights/latest-naic-rbc-c1-for-life-insurers-time-to-reposition-your-portfoliohttps://www.neamgroup.com/hubfs/articles/2021/Quick%20Takes%20-%20Latest%20NAIC%20RBC%20C1%20for%20Life%20Insurers/rbcc1.jpgrbcc1rbcc1https://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/articles/2021/Quick%20Takes%20-%20Latest%20NAIC%20RBC%20C1%20for%20Life%20Insurers/NEAMgroup_01_Percentage_Difference_new_vs_current.jpgNEAMgroup01PercentageDifferencenewvscurrentNEAMgroup01PercentageDifferencenewvscurrenthttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/Authors/Mark-Yu.pngMarkYuMarkYuhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/articles/2021/Quick%20Takes%20-%20Latest%20NAIC%20RBC%20C1%20for%20Life%20Insurers/NEAMgroup_02_market_yield_and_duration.jpgNEAMgroup02marketyieldanddurationNEAMgroup02marketyieldanddurationhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2021/Quick%20Takes%20-%20Latest%20NAIC%20RBC%20C1%20for%20Life%20Insurers/NEAMgroup_03_yield_per_unit_RBC_C1_new_vs_current.jpgNEAMgroup03yieldperunitRBCC1newvscurrentNEAMgroup03yieldperunitRBCC1newvscurrenthttps://www.neamgroup.com/hubfs/articles/2021/Quick%20Takes%20-%20Latest%20NAIC%20RBC%20C1%20for%20Life%20Insurers/NEAMgroup_01_Life_RBC_C1_Capital_Charges_new_vs_current.jpgNEAMgroup01LifeRBCC1CapitalChargesnewvscurrentNEAMgroup01LifeRBCC1CapitalChargesnewvscurrenthttps://www.neamgroup.com/hubfs/articles/2021/Quick%20Takes%20-%20Latest%20NAIC%20RBC%20C1%20for%20Life%20Insurers/NEAMgroup_02_fixed_income_credit_quality.jpgNEAMgroup02fixedincomecreditqualityNEAMgroup02fixedincomecreditquality2021-10-21https://www.neamgroup.com/insights/life-insurer-asset-optimization-a-top-down-enterprise-approachhttps://www.neamgroup.com/hubfs/articles/NEAM-Illustrating-the-Bottom-Up-Approach.jpgNEAMIllustratingtheBottomUpApproachNEAMIllustratingtheBottomUpApproachhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/articles/NEAM-Iterative-Portfolio-Construction-Process.jpgNEAMIterativePortfolioConstructionProcessNEAMIterativePortfolioConstructionProcesshttps://www.neamgroup.com/hubfs/Authors/Mark-Yu.pngMarkYuMarkYuhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/articles/NEAM-Holistic-Top-Down-Framework-to-Optimize-Asset-Allocation.jpgNEAMHolisticTopDownFrameworktoOptimizeAssetAllocationNEAMHolisticTopDownFrameworktoOptimizeAssetAllocationhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/articles/NEAM-Modern-Portfolio-Efficient-Frontier-Analysis.jpgNEAMModernPortfolioEfficientFrontierAnalysisNEAMModernPortfolioEfficientFrontierAnalysishttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/articles/NEAM-Option-Adjusted-Duration-BofA-ML-Master-Index.jpgNEAMOptionAdjustedDurationBofAMLMasterIndexNEAMOptionAdjustedDurationBofAMLMasterIndexhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/articles/NEAM-ROE-DuPont-formula.jpgNEAMROEDuPontformulaNEAMROEDuPontformulahttps://www.neamgroup.com/hubfs/articles/Life-Insurer-Asset-Opt.jpgLifeInsurerAssetOptLifeInsurerAssetOpt2016-07-14https://www.neamgroup.com/media-center/neam-is-named-a-winner-of-the-hartford-courants-top-workplaces-2025-awardhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORS2025-09-22https://www.neamgroup.com/insights/fhlb-update-for-insurers-providing-liquidity-financial-flexibility-investment-opportunitieshttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/articles/2023/Quick%20Takes%20-%20FHLB%20Update%20for%20Insurers/NEAMgroup_02_FHLB_insurance_company_advances.jpgNEAMgroup02FHLBinsurancecompanyadvancesNEAMgroup02FHLBinsurancecompanyadvanceshttps://www.neamgroup.com/hubfs/articles/2023/Quick%20Takes%20-%20FHLB%20Update%20for%20Insurers/NEAMgroup_01_FHLB_insurance_company_members.jpgNEAMgroup01FHLBinsurancecompanymembersNEAMgroup01FHLBinsurancecompanymembershttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/articles/2023/Quick%20Takes%20-%20FHLB%20Update%20for%20Insurers/NEAMgroup_02_FHLB_spread_lending_example.jpgNEAMgroup02FHLBspreadlendingexampleNEAMgroup02FHLBspreadlendingexamplehttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/articles/2023/Quick%20Takes%20-%20FHLB%20Update%20for%20Insurers/NEAMgroup_04_FHLB_Locations.jpgNEAMgroup04FHLBLocationsNEAMgroup04FHLBLocationshttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/Authors/NEAM-Charlene-Fischler.pngNEAMCharleneFischlerNEAMCharleneFischlerhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2023/Quick%20Takes%20-%20FHLB%20Update%20for%20Insurers/FHLB2023.jpgFHLB2023FHLB2023https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowus2023-08-09https://www.neamgroup.com/insights/volatility-returns-with-vigorhttps://www.neamgroup.com/hubfs/Authors/Michele-Matzinger.pngMicheleMatzingerMicheleMatzingerhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/articles/2018/Outlook%20-%201Q%202018/NEAMgroup_technology.jpgNEAMgrouptechnologyNEAMgrouptechnologyhttps://www.neamgroup.com/hubfs/articles/2018/Outlook%20-%201Q%202018/NEAMgroup_LIBOR_OIS.jpgNEAMgroupLIBOROISNEAMgroupLIBOROIShttps://www.neamgroup.com/hubfs/articles/2018/Outlook%20-%201Q%202018/NEAMgroup_treasury_yield_curve.jpgNEAMgrouptreasuryyieldcurveNEAMgrouptreasuryyieldcurvehttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/articles/2018/Outlook%20-%201Q%202018/NEAMgroup_volatility_channel_redefinition.jpgNEAMgroupvolatilitychannelredefinitionNEAMgroupvolatilitychannelredefinitionhttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/articles/2018/Outlook%20-%201Q%202018/volatilityreturnsvigor.jpgvolatilityreturnsvigorvolatilityreturnsvigorhttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearch2018-04-25https://www.neamgroup.com/insights/2022-pc-industry-investment-highlights-reversing-the-declining-trendhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/articles/2023/Perspectives%20-%20PC%20Industry%20Investment%20Highlights%20(2022%20data)/NEAMgroup_T03_industry_statutory_capital_surplus.jpgNEAMgroupT03industrystatutorycapitalsurplusNEAMgroupT03industrystatutorycapitalsurplushttps://www.neamgroup.com/hubfs/articles/2023/Perspectives%20-%20PC%20Industry%20Investment%20Highlights%20(2022%20data)/NEAMgroup_C01_broad_sector_asset_allocation.jpgNEAMgroupC01broadsectorassetallocationNEAMgroupC01broadsectorassetallocationhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/articles/2023/Perspectives%20-%20PC%20Industry%20Investment%20Highlights%20(2022%20data)/NEAMgroup_C02_risk_asset_allocations.jpgNEAMgroupC02riskassetallocationsNEAMgroupC02riskassetallocationshttps://www.neamgroup.com/hubfs/Authors/Mark-Yu.pngMarkYuMarkYuhttps://www.neamgroup.com/hubfs/articles/2023/Perspectives%20-%20PC%20Industry%20Investment%20Highlights%20(2022%20data)/NEAMgroup_T06_fixed_income_option_adjusted_duration.jpgNEAMgroupT06fixedincomeoptionadjusteddurationNEAMgroupT06fixedincomeoptionadjusteddurationhttps://www.neamgroup.com/hubfs/articles/2023/Perspectives%20-%20PC%20Industry%20Investment%20Highlights%20(2022%20data)/NEAMgroup_T05_industry_bonds_book_value_fair_value.jpgNEAMgroupT05industrybondsbookvaluefairvalueNEAMgroupT05industrybondsbookvaluefairvaluehttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2023/Perspectives%20-%20PC%20Industry%20Investment%20Highlights%20(2022%20data)/pcinvestmenthighlights2023.jpgpcinvestmenthighlights2023pcinvestmenthighlights2023https://www.neamgroup.com/hubfs/articles/2023/Perspectives%20-%20PC%20Industry%20Investment%20Highlights%20(2022%20data)/NEAMgroup_C04_fixed_income_credit_quality.jpgNEAMgroupC04fixedincomecreditqualityNEAMgroupC04fixedincomecreditqualityhttps://www.neamgroup.com/hubfs/articles/2023/Perspectives%20-%20PC%20Industry%20Investment%20Highlights%20(2022%20data)/NEAMgroup_C03_fixed_income_sector_allocation.jpgNEAMgroupC03fixedincomesectorallocationNEAMgroupC03fixedincomesectorallocationhttps://www.neamgroup.com/hubfs/articles/2023/Perspectives%20-%20PC%20Industry%20Investment%20Highlights%20(2022%20data)/NEAMgroup_T02_earned_investment_income.jpgNEAMgroupT02earnedinvestmentincomeNEAMgroupT02earnedinvestmentincomehttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/articles/2023/Perspectives%20-%20PC%20Industry%20Investment%20Highlights%20(2022%20data)/NEAMgroup_T01_earned_investment_income.jpgNEAMgroupT01earnedinvestmentincomeNEAMgroupT01earnedinvestmentincomehttps://www.neamgroup.com/hubfs/articles/2023/Perspectives%20-%20PC%20Industry%20Investment%20Highlights%20(2022%20data)/NEAMgroup_T04_fixed_income_book_yield.jpgNEAMgroupT04fixedincomebookyieldNEAMgroupT04fixedincomebookyieldhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydown2023-08-24https://www.neamgroup.com/insights/trade-winds-may-2025https://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/articles/2025/Trade%20Winds%20-%20May%202025/NEAMgroup_03_tradewinds_05-25.jpgNEAMgroup03tradewinds0525NEAMgroup03tradewinds0525https://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/articles/2025/Trade%20Winds%20-%20May%202025/NEAMgroup_02_tradewinds_05-25.jpgNEAMgroup02tradewinds0525NEAMgroup02tradewinds0525https://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/articles/2025/Trade%20Winds%20-%20May%202025/NEAMgroup_01_tradewinds_05-25.jpgNEAMgroup01tradewinds0525NEAMgroup01tradewinds0525https://www.neamgroup.com/hubfs/articles/2025/Trade%20Winds%20-%20May%202025/NEAMgroup_05_tradewinds_05-25.jpgNEAMgroup05tradewinds0525NEAMgroup05tradewinds0525https://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/articles/2025/Trade%20Winds%20-%20May%202025/NEAMgroup_07_tradewinds_05-25.jpgNEAMgroup07tradewinds0525NEAMgroup07tradewinds0525https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/articles/tradewinds.jpgtradewindstradewindshttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/articles/2025/Trade%20Winds%20-%20May%202025/NEAMgroup_06_tradewinds_05-25.jpgNEAMgroup06tradewinds0525NEAMgroup06tradewinds0525https://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/articles/2025/Trade%20Winds%20-%20May%202025/NEAMgroup_08_tradewinds_05-25.jpgNEAMgroup08tradewinds0525NEAMgroup08tradewinds0525https://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/articles/2025/Trade%20Winds%20-%20May%202025/NEAMgroup_04_tradewinds_05-25.jpgNEAMgroup04tradewinds0525NEAMgroup04tradewinds0525https://www.neamgroup.com/hubfs/Authors/Coley-Lynch.pngColeyLynchColeyLynch2025-05-08https://www.neamgroup.com/cookie-policy/non-ushttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydown2018-06-20https://www.neamgroup.com/insights/rating-agency-rating-and-value-at-risk-bias-of-sizehttps://www.neamgroup.com/hubfs/articles/NEAM-2012-AM-Best-Ratings.jpgNEAM2012AMBestRatingsNEAM2012AMBestRatingshttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/NEAM-James-E-Bachman.pngNEAMJamesEBachmanNEAMJamesEBachmanhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/articles/NEAM-2010-AM-Best-Ratings.jpgNEAM2010AMBestRatingsNEAM2010AMBestRatingshttps://www.neamgroup.com/hubfs/articles/NEAM-2012-Number-of-Company-Groups.jpgNEAM2012NumberofCompanyGroupsNEAM2012NumberofCompanyGroupshttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/articles/NEAM-Average-Surplus-of-Company-Groups.jpgNEAMAverageSurplusofCompanyGroupsNEAMAverageSurplusofCompanyGroupshttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford20242016-05-18https://www.neamgroup.com/insights/global-divergence-messaging-from-emerging-marketshttps://www.neamgroup.com/hubfs/articles/2018/Outlook%20-%203Q%202018%20Equity/globaldivergence.jpgglobaldivergenceglobaldivergencehttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/Authors/Michele-Matzinger.pngMicheleMatzingerMicheleMatzingerhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2018/Outlook%20-%203Q%202018%20Equity/NEAMgroup_global_liquidity_US_German_10_year_difference.jpgNEAMgroupgloballiquidityUSGerman10yeardifferenceNEAMgroupgloballiquidityUSGerman10yeardifferencehttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/articles/2018/Outlook%20-%203Q%202018%20Equity/NEAMgroup-foreign-currency-and-energy.jpgNEAMgroupforeigncurrencyandenergyNEAMgroupforeigncurrencyandenergyhttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/articles/2018/Outlook%20-%203Q%202018%20Equity/NEAMgroup-china-USD-yuan.jpgNEAMgroupchinaUSDyuanNEAMgroupchinaUSDyuanhttps://www.neamgroup.com/hubfs/articles/2018/Outlook%20-%203Q%202018%20Equity/NEAMgroup-EM-SandP500-equity-performance-andEM-credit-spreads.jpgNEAMgroupEMSandP500equityperformanceandEMcreditspreadsNEAMgroupEMSandP500equityperformanceandEMcreditspreads2018-10-26https://www.neamgroup.com/insights/returns-yields-opportunities-the-bonds-are-back-in-townhttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/Authors/NEAM-Jennifer-Quisenberry.pngNEAMJenniferQuisenberryNEAMJenniferQuisenberryhttps://www.neamgroup.com/hubfs/articles/2017/Quick%20Takes%20-%20Returns%20and%20Yields/returnsandyields.jpgreturnsandyieldsreturnsandyieldshttps://www.neamgroup.com/hubfs/articles/2023/Quick%20Takes%20-%20Returns%20Yields%20and%20Opportunities%202023/NEAMgroup_03_estimated_PC_asset_profile.jpgNEAMgroup03estimatedPCassetprofileNEAMgroup03estimatedPCassetprofilehttps://www.neamgroup.com/hubfs/articles/2023/Quick%20Takes%20-%20Returns%20Yields%20and%20Opportunities%202023/NEAMgroup_01_stocks_vs_bond_returns_1928_2022.jpgNEAMgroup01stocksvsbondreturns19282022NEAMgroup01stocksvsbondreturns19282022https://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/articles/2023/Quick%20Takes%20-%20Returns%20Yields%20and%20Opportunities%202023/NEAMgroup_05_comparative_yields.jpgNEAMgroup05comparativeyieldsNEAMgroup05comparativeyieldshttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2023/Quick%20Takes%20-%20Returns%20Yields%20and%20Opportunities%202023/NEAMgroup_02_2022_total_return_sector.jpgNEAMgroup022022totalreturnsectorNEAMgroup022022totalreturnsectorhttps://www.neamgroup.com/hubfs/articles/2023/Quick%20Takes%20-%20Returns%20Yields%20and%20Opportunities%202023/NEAMgroup_04_2023_projected_PC_fixed_income_return.jpgNEAMgroup042023projectedPCfixedincomereturnNEAMgroup042023projectedPCfixedincomereturnhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMR2023-01-31https://www.neamgroup.com/insights/funds-at-lloyds-a-new-horizonhttps://www.neamgroup.com/hubfs/Authors/NEAM-Rui-Wang.pngNEAMRuiWangNEAMRuiWanghttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/articles/2023/Quick%20Takes%20-%20Funds%20at%20Lloyds%20-%20New%20Horizon/newhorizon.jpgnewhorizonnewhorizonhttps://www.neamgroup.com/hubfs/articles/2023/Quick%20Takes%20-%20Funds%20at%20Lloyds%20-%20New%20Horizon/NEAMgroup_03_composition_of_corporate_FAL.jpgNEAMgroup03compositionofcorporateFALNEAMgroup03compositionofcorporateFALhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/articles/2023/Quick%20Takes%20-%20Funds%20at%20Lloyds%20-%20New%20Horizon/NEAMgroup_02_FIS_balances_year_end.jpgNEAMgroup02FISbalancesyearendNEAMgroup02FISbalancesyearendhttps://www.neamgroup.com/hubfs/articles/2023/Quick%20Takes%20-%20Funds%20at%20Lloyds%20-%20New%20Horizon/NEAMgroup_01_LOC_corporate_FAL.jpgNEAMgroup01LOCcorporateFALNEAMgroup01LOCcorporateFAL2023-03-07https://www.neamgroup.com/insights/brexit-updatehttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/Authors/NEAM-Hugh-McCutcheon.pngNEAMHughMcCutcheonNEAMHughMcCutcheonhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/articles/2018/Quick%20Takes%20-%20Brexit%20Update/brexitupdate.jpgbrexitupdatebrexitupdatehttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearch2018-09-17https://www.neamgroup.com/insights/trade-winds-february-2026https://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/articles/2026/Trade%20Winds%20-%2002-2026/NEAMgroup_02_trade_winds_02_2026.jpgNEAMgroup02tradewinds022026NEAMgroup02tradewinds022026https://www.neamgroup.com/hubfs/articles/2026/Trade%20Winds%20-%2002-2026/NEAMgroup_03_trade_winds_02_2026.jpgNEAMgroup03tradewinds022026NEAMgroup03tradewinds022026https://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/articles/2026/Trade%20Winds%20-%2002-2026/NEAMgroup_05_trade_winds_02_2026.jpgNEAMgroup05tradewinds022026NEAMgroup05tradewinds022026https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/Authors/Coley-Lynch.pngColeyLynchColeyLynchhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/articles/2026/Trade%20Winds%20-%2002-2026/NEAMgroup_01_trade_winds_02_2026.jpgNEAMgroup01tradewinds022026NEAMgroup01tradewinds022026https://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2026/Trade%20Winds%20-%2002-2026/NEAMgroup_07_trade_winds_02_2026.jpgNEAMgroup07tradewinds022026NEAMgroup07tradewinds022026https://www.neamgroup.com/hubfs/articles/2026/Trade%20Winds%20-%2002-2026/NEAMgroup_08_trade_winds_02_2026.jpgNEAMgroup08tradewinds022026NEAMgroup08tradewinds022026https://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/articles/tradewinds.jpgtradewindstradewindshttps://www.neamgroup.com/hubfs/articles/2026/Trade%20Winds%20-%2002-2026/NEAMgroup_04_trade_winds_02_2026.jpgNEAMgroup04tradewinds022026NEAMgroup04tradewinds022026https://www.neamgroup.com/hubfs/articles/2026/Trade%20Winds%20-%2002-2026/NEAMgroup_06_trade_winds_02_2026.jpgNEAMgroup06tradewinds022026NEAMgroup06tradewinds022026https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydown2026-02-09https://www.neamgroup.com/insights/new-mbs-margining-rules-tmpg-addresses-counterparty-riskhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/articles/NEAM-FNCL-3.0-Percent-Coupon-Rolling-20-Day-Price-Change.jpgNEAMFNCL30PercentCouponRolling20DayPriceChangeNEAMFNCL30PercentCouponRolling20DayPriceChangehttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/articles/NEAM-Variation-Margin-on-10-Million-TBA-Trade.jpgNEAMVariationMarginon10MillionTBATradeNEAMVariationMarginon10MillionTBATradehttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/Authors/NEAM-Jennifer-Quisenberry.pngNEAMJenniferQuisenberryNEAMJenniferQuisenberry2016-06-09https://www.neamgroup.com/insights/life-insurance-industrys-net-investment-spreads-have-we-reached-the-bottomhttps://www.neamgroup.com/hubfs/articles/2017/Perspectives%20-%20Life%20Net%20Spreads/NEAM-Group-formula-net-portfolio-yield.jpgNEAMGroupformulanetportfolioyieldNEAMGroupformulanetportfolioyieldhttps://www.neamgroup.com/hubfs/articles/2017/Perspectives%20-%20Life%20Net%20Spreads/NEAM-Group-net-investment-spread-by-business-focus-and-company-size.jpgNEAMGroupnetinvestmentspreadbybusinessfocusandcompanysizeNEAMGroupnetinvestmentspreadbybusinessfocusandcompanysizehttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/articles/2017/Perspectives%20-%20Life%20Net%20Spreads/netinvestmentspreads.jpgnetinvestmentspreadsnetinvestmentspreadshttps://www.neamgroup.com/hubfs/articles/2017/Perspectives%20-%20Life%20Net%20Spreads/NEAM-Group-industry-net-spread-over-guaranteed-interest-rate.jpgNEAMGroupindustrynetspreadoverguaranteedinterestrateNEAMGroupindustrynetspreadoverguaranteedinterestratehttps://www.neamgroup.com/hubfs/articles/2017/Perspectives%20-%20Life%20Net%20Spreads/NEAM-Group-net-spread-by-company-size-gross-reserves.jpgNEAMGroupnetspreadbycompanysizegrossreservesNEAMGroupnetspreadbycompanysizegrossreserveshttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/articles/2017/Perspectives%20-%20Life%20Net%20Spreads/NEAM-Group-2007v2015-histogram-of-net-spread-by-insurers.jpgNEAMGroup2007v2015histogramofnetspreadbyinsurersNEAMGroup2007v2015histogramofnetspreadbyinsurershttps://www.neamgroup.com/hubfs/articles/2017/Perspectives%20-%20Life%20Net%20Spreads/NEAM-Group-percentage-of-companies-with-positive-net-spread-by-company-size.jpgNEAMGrouppercentageofcompanieswithpositivenetspreadbycompanysizeNEAMGrouppercentageofcompanieswithpositivenetspreadbycompanysizehttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/articles/2017/Perspectives%20-%20Life%20Net%20Spreads/NEAM-Group-table-company-count-by-gross-reserve-size.jpgNEAMGrouptablecompanycountbygrossreservesizeNEAMGrouptablecompanycountbygrossreservesizehttps://www.neamgroup.com/hubfs/Authors/Mark-Yu.pngMarkYuMarkYuhttps://www.neamgroup.com/hubfs/articles/2017/Perspectives%20-%20Life%20Net%20Spreads/NEAM-Group-distribution-by-gross-reserve-size.jpgNEAMGroupdistributionbygrossreservesizeNEAMGroupdistributionbygrossreservesizehttps://www.neamgroup.com/hubfs/articles/2017/Perspectives%20-%20Life%20Net%20Spreads/NEAM-Group-percentage-of-companies-with-positive-net-spreads.jpgNEAMGrouppercentageofcompanieswithpositivenetspreadsNEAMGrouppercentageofcompanieswithpositivenetspreadshttps://www.neamgroup.com/hubfs/articles/2017/Perspectives%20-%20Life%20Net%20Spreads/NEAM-Group-bond-portfolio-OAD-by-business-focus-and-company-size.jpgNEAMGroupbondportfolioOADbybusinessfocusandcompanysizeNEAMGroupbondportfolioOADbybusinessfocusandcompanysize2017-02-28https://www.neamgroup.com/insights/trade-winds-august-2024https://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2024/Trade%20Winds%20-%20August%202024/NEAMgroup_08_TradeWinds_Aug24.jpgNEAMgroup08TradeWindsAug24NEAMgroup08TradeWindsAug24https://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/articles/2024/Trade%20Winds%20-%20August%202024/NEAMgroup_04_TradeWinds_Aug24.jpgNEAMgroup04TradeWindsAug24NEAMgroup04TradeWindsAug24https://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/articles/2024/Trade%20Winds%20-%20August%202024/NEAMgroup_02_TradeWinds_Aug24.jpgNEAMgroup02TradeWindsAug24NEAMgroup02TradeWindsAug24https://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/articles/2024/Trade%20Winds%20-%20August%202024/NEAMgroup_05_TradeWinds_Aug24.jpgNEAMgroup05TradeWindsAug24NEAMgroup05TradeWindsAug24https://www.neamgroup.com/hubfs/articles/2024/Trade%20Winds%20-%20August%202024/NEAMgroup_03_TradeWinds_Aug24.jpgNEAMgroup03TradeWindsAug24NEAMgroup03TradeWindsAug24https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/articles/tradewinds.jpgtradewindstradewindshttps://www.neamgroup.com/hubfs/articles/2024/Trade%20Winds%20-%20August%202024/NEAMgroup_07_TradeWinds_Aug24.jpgNEAMgroup07TradeWindsAug24NEAMgroup07TradeWindsAug24https://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/articles/2024/Trade%20Winds%20-%20August%202024/NEAMgroup_01_TradeWinds_Aug24.jpgNEAMgroup01TradeWindsAug24NEAMgroup01TradeWindsAug24https://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/articles/2024/Trade%20Winds%20-%20August%202024/NEAMgroup_06_TradeWinds_Aug24.jpgNEAMgroup06TradeWindsAug24NEAMgroup06TradeWindsAug24https://www.neamgroup.com/hubfs/Authors/Coley-Lynch.pngColeyLynchColeyLynch2024-08-06https://www.neamgroup.com/insights/monthly-economic-highlights-august-2023https://www.neamgroup.com/hubfs/articles/2023/Outlook%20-%20August%202023/NEAMgroup_03_aug2023.jpgNEAMgroup03aug2023NEAMgroup03aug2023https://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/articles/2023/Outlook%20-%20August%202023/NEAMgroup_06_aug2023.jpgNEAMgroup06aug2023NEAMgroup06aug2023https://www.neamgroup.com/hubfs/articles/2023/Outlook%20-%20August%202023/NEAMgroup_07_aug2023.jpgNEAMgroup07aug2023NEAMgroup07aug2023https://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/Authors/Coley-Lynch.pngColeyLynchColeyLynchhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2023/Outlook%20-%20August%202023/NEAMgroup_02_aug2023.jpgNEAMgroup02aug2023NEAMgroup02aug2023https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2023/Outlook%20-%20June%202023/outlook.jpgoutlookoutlookhttps://www.neamgroup.com/hubfs/articles/2023/Outlook%20-%20August%202023/NEAMgroup_01_aug2023.jpgNEAMgroup01aug2023NEAMgroup01aug2023https://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/articles/2023/Outlook%20-%20August%202023/NEAMgroup_08_aug2023.jpgNEAMgroup08aug2023NEAMgroup08aug2023https://www.neamgroup.com/hubfs/articles/2023/Outlook%20-%20August%202023/NEAMgroup_05_aug2023.jpgNEAMgroup05aug2023NEAMgroup05aug2023https://www.neamgroup.com/hubfs/articles/2023/Outlook%20-%20August%202023/NEAMgroup_04_aug2023.jpgNEAMgroup04aug2023NEAMgroup04aug20232023-08-08https://www.neamgroup.com/insights/monthly-economic-highlights-september-2023https://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/articles/2023/Outlook%20-%20September%202023/outlook_06_sept23.jpgoutlook06sept23outlook06sept23https://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/articles/2023/Outlook%20-%20September%202023/outlook_07_sept23.jpgoutlook07sept23outlook07sept23https://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/Authors/Coley-Lynch.pngColeyLynchColeyLynchhttps://www.neamgroup.com/hubfs/articles/2023/Outlook%20-%20September%202023/outlook_04_sept23.jpgoutlook04sept23outlook04sept23https://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/articles/2023/Outlook%20-%20September%202023/outlook_08_sept23.jpgoutlook08sept23outlook08sept23https://www.neamgroup.com/hubfs/articles/2023/Outlook%20-%20September%202023/outlook_05_sept23.jpgoutlook05sept23outlook05sept23https://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/articles/2023/Outlook%20-%20September%202023/outlook_02_sept23.jpgoutlook02sept23outlook02sept23https://www.neamgroup.com/hubfs/articles/2023/Outlook%20-%20June%202023/outlook.jpgoutlookoutlookhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2023/Outlook%20-%20September%202023/outlook_03_sept23.jpgoutlook03sept23outlook03sept23https://www.neamgroup.com/hubfs/articles/2023/Outlook%20-%20September%202023/outlook_01_sept23.jpgoutlook01sept23outlook01sept232023-09-11https://www.neamgroup.com/thank-youhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORS2016-06-14https://www.neamgroup.com/esg-at-neam/non-ushttps://www.neamgroup.com/hubfs/assets/images/ESG%20Limited%20-%20Social.jpgESGLimitedSocialESGLimitedSocialhttps://www.neamgroup.com/hubfs/images/featured%20image%20-%20logo.jpgNEAMlogofeaturedimagelogohttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/assets/images/ESG%20-%20Sustainability/esg-city.pngesgcityesgcityhttps://www.neamgroup.com/hubfs/assets/images/ESG%20-%20Sustainability/esg-gears.pngesggearsesggearshttps://www.neamgroup.com/hubfs/assets/images/ESG%20-%20Sustainability/PRI%20signature-1.pngPRIsignature1PRIsignature1https://www.neamgroup.com/hubfs/assets/images/ESG%20-%20Sustainability/esg-money-plant.pngesgmoneyplantesgmoneyplanthttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/assets/images/ESG%20-%20Sustainability/UNCC-logo.jpgUNCClogoUNCClogohttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/assets/images/ESG%20-%20Sustainability/esg-gears-arrows.pngesggearsarrowsesggearsarrowshttps://www.neamgroup.com/hubfs/assets/images/ESG%20Limited%20-%20Environmental.jpgESGLimitedEnvironmentalESGLimitedEnvironmentalhttps://www.neamgroup.com/hubfs/assets/images/ESG%20-%20Sustainability/esg-light-bulb.pngesglightbulbesglightbulbhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/assets/images/ESG%20-%20Sustainability/esg-carbon.pngesgcarbonesgcarbonhttps://www.neamgroup.com/hubfs/assets/images/img-green-arrow.pngimggreenarrowimggreenarrowhttps://www.neamgroup.com/hubfs/assets/images/ESG%20-%20Sustainability/esg-gauge.pngesggaugeesggaugehttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/assets/images/ESG%20-%20Sustainability/esg-globe.pngesgglobeesgglobehttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMR2025-06-11https://www.neamgroup.com/insights/navigating-through-the-covid-19-crisis-priorities-for-property-casualty-pc-insurershttps://www.neamgroup.com/hubfs/articles/2020/Perspectives%20-%20Navigating%20COVID-19/NEAMgroup_comparison_of_drawdown_magnitude_vovid_v_lehman.jpgNEAMgroupcomparisonofdrawdownmagnitudevovidvlehmanNEAMgroupcomparisonofdrawdownmagnitudevovidvlehmanhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/articles/2020/Perspectives%20-%20Navigating%20COVID-19/NEAMgroup_premium_levels_and_combined_ratio_assumed_for_scenarios.jpgNEAMgrouppremiumlevelsandcombinedratioassumedforscenariosNEAMgrouppremiumlevelsandcombinedratioassumedforscenarioshttps://www.neamgroup.com/hubfs/articles/2020/Perspectives%20-%20Navigating%20COVID-19/NEAMgroup_underwriting_income_projection.jpgNEAMgroupunderwritingincomeprojectionNEAMgroupunderwritingincomeprojectionhttps://www.neamgroup.com/hubfs/articles/2020/Perspectives%20-%20Navigating%20COVID-19/NEAMgroup_investment_income_and_bond_unrealized_gain_loss_projection.jpgNEAMgroupinvestmentincomeandbondunrealizedgainlossprojectionNEAMgroupinvestmentincomeandbondunrealizedgainlossprojectionhttps://www.neamgroup.com/hubfs/articles/2020/Perspectives%20-%20Navigating%20COVID-19/NEAMgroup_earnings_calls_wordart.jpgNEAMgroupearningscallswordartNEAMgroupearningscallswordarthttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/Authors/NEAM-Rui-Wang.pngNEAMRuiWangNEAMRuiWanghttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/articles/2020/Perspectives%20-%20Navigating%20COVID-19/NEAMgroup_GAAP_equity_and_total_liquidity_levels.jpgNEAMgroupGAAPequityandtotalliquiditylevelsNEAMgroupGAAPequityandtotalliquiditylevelshttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/articles/2020/Perspectives%20-%20Navigating%20COVID-19/NEAMgroup_us_treasury_spot_curve.jpgNEAMgroupustreasuryspotcurveNEAMgroupustreasuryspotcurvehttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2020/Perspectives%20-%20Navigating%20COVID-19/NEAMgroup_assumed_insurer_balance_sheet.jpgNEAMgroupassumedinsurerbalancesheetNEAMgroupassumedinsurerbalancesheethttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/articles/2020/Perspectives%20-%20Navigating%20COVID-19/navigatingcovid.jpgnavigatingcovidnavigatingcovid2020-09-03https://www.neamgroup.com/insights/enterprise-risk-capacity-shifts-in-riskhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/articles/2022/Perspectives%20-%20Enterprise%20Risk%20Capacity%20-%20Shifts%20in%20Risk/NEAMgroup_comparison_underwriting_margin_US_treasury_rates.jpgNEAMgroupcomparisonunderwritingmarginUStreasuryratesNEAMgroupcomparisonunderwritingmarginUStreasuryrateshttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2022/Perspectives%20-%20Enterprise%20Risk%20Capacity%20-%20Shifts%20in%20Risk/NEAMgroup_US_pc_industry_moving_average_pretax_roe_var_trends.jpgNEAMgroupUSpcindustrymovingaveragepretaxroevartrendsNEAMgroupUSpcindustrymovingaveragepretaxroevartrendshttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/articles/2022/Perspectives%20-%20Enterprise%20Risk%20Capacity%20-%20Shifts%20in%20Risk/NEAMgroup_moving_average_US_PC_invested_assets_surplus_premiums.jpgNEAMgroupmovingaverageUSPCinvestedassetssurpluspremiumsNEAMgroupmovingaverageUSPCinvestedassetssurpluspremiumshttps://www.neamgroup.com/hubfs/Authors/Chris-Myers.pngChrisMyersChrisMyershttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/articles/2022/Perspectives%20-%20Enterprise%20Risk%20Capacity%20-%20Shifts%20in%20Risk/NEAMgroup_evaluating_aggregate_paired_correlation_changes.jpgNEAMgroupevaluatingaggregatepairedcorrelationchangesNEAMgroupevaluatingaggregatepairedcorrelationchangeshttps://www.neamgroup.com/hubfs/articles/2022/Perspectives%20-%20Enterprise%20Risk%20Capacity%20-%20Shifts%20in%20Risk/shiftsinrisk.jpgshiftsinriskshiftsinriskhttps://www.neamgroup.com/hubfs/articles/2022/Perspectives%20-%20Enterprise%20Risk%20Capacity%20-%20Shifts%20in%20Risk/NEAMgroup_regression_summary_dependent_variable_moving_average_underwriting.jpgNEAMgroupregressionsummarydependentvariablemovingaverageunderwritingNEAMgroupregressionsummarydependentvariablemovingaverageunderwritinghttps://www.neamgroup.com/hubfs/articles/2022/Perspectives%20-%20Enterprise%20Risk%20Capacity%20-%20Shifts%20in%20Risk/NEAMgroup_us_pc_insurers_bond_quality_allocation.jpgNEAMgroupuspcinsurersbondqualityallocationNEAMgroupuspcinsurersbondqualityallocationhttps://www.neamgroup.com/hubfs/articles/2022/Perspectives%20-%20Enterprise%20Risk%20Capacity%20-%20Shifts%20in%20Risk/NEAM_group_underwriting_performance_trends.jpgNEAMgroupunderwritingperformancetrendsNEAMgroupunderwritingperformancetrendshttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2022/Perspectives%20-%20Enterprise%20Risk%20Capacity%20-%20Shifts%20in%20Risk/NEAMgroup_dupont_decomposition_pc_insurer_roe.jpgNEAMgroupdupontdecompositionpcinsurerroeNEAMgroupdupontdecompositionpcinsurerroehttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/articles/2022/Perspectives%20-%20Enterprise%20Risk%20Capacity%20-%20Shifts%20in%20Risk/NEAMgroup_US_pc_insurers_broad_sector_allocation_drift.jpgNEAMgroupUSpcinsurersbroadsectorallocationdriftNEAMgroupUSpcinsurersbroadsectorallocationdrifthttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydown2022-01-25https://www.neamgroup.com/insights/old-regimes-new-requirements-asset-allocation-under-recent-risk-based-capital-model-changeshttps://www.neamgroup.com/hubfs/articles/2024/Perspectives%20-%20Old%20Regimes%20New%20Requirements/NEAMgroup_02_enterprise_efficient_frontier_ROE_risk.jpgNEAMgroup02enterpriseefficientfrontierROEriskNEAMgroup02enterpriseefficientfrontierROEriskhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/Authors/Chris-Myers.pngChrisMyersChrisMyershttps://www.neamgroup.com/hubfs/articles/2024/Perspectives%20-%20Old%20Regimes%20New%20Requirements/NEAMgroup_01_summary_notable_operating_assumptions_pc_insurer.jpgNEAMgroup01summarynotableoperatingassumptionspcinsurerNEAMgroup01summarynotableoperatingassumptionspcinsurerhttps://www.neamgroup.com/hubfs/articles/2024/Perspectives%20-%20Old%20Regimes%20New%20Requirements/oldregimenewrequirements.jpgoldregimenewrequirementsoldregimenewrequirementshttps://www.neamgroup.com/hubfs/articles/2024/Perspectives%20-%20Old%20Regimes%20New%20Requirements/NEAMgroup_03_target_portfolios_optimizing_return.jpgNEAMgroup03targetportfoliosoptimizingreturnNEAMgroup03targetportfoliosoptimizingreturnhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMR2024-05-30https://www.neamgroup.com/legal-statement/non-ushttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdown2018-03-20https://www.neamgroup.com/insights/cracks-in-the-ecbhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/Authors/NEAM-Simon-O-Flaherty.pngNEAMSimonOFlahertyNEAMSimonOFlahertyhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMR2016-04-12https://www.neamgroup.com/insights/enterprise-risk-capacity-lifting-investment-barbellshttps://www.neamgroup.com/hubfs/articles/2021/Perspectives%20-%20Investment%20Barbells/NEAMgroup_selected_asset_return_risk_comparison.jpgNEAMgroupselectedassetreturnriskcomparisonNEAMgroupselectedassetreturnriskcomparisonhttps://www.neamgroup.com/hubfs/articles/2021/Perspectives%20-%20Investment%20Barbells/NEAMgroup_enterprise_efficient_frontier.jpgNEAMgroupenterpriseefficientfrontierNEAMgroupenterpriseefficientfrontierhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/articles/2021/Perspectives%20-%20Investment%20Barbells/NEAMgroup_insurer_case_study_characteristics.jpgNEAMgroupinsurercasestudycharacteristicsNEAMgroupinsurercasestudycharacteristicshttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/articles/2021/Perspectives%20-%20Investment%20Barbells/investmentbarbells.jpginvestmentbarbellsinvestmentbarbellshttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2021/Perspectives%20-%20Investment%20Barbells/NEAMgroup_EBAA_optimization_summary_output.jpgNEAMgroupEBAAoptimizationsummaryoutputNEAMgroupEBAAoptimizationsummaryoutputhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2021/Perspectives%20-%20Investment%20Barbells/NEAMgroup_illustration_enterprise_driven_efficient_frontier.jpgNEAMgroupillustrationenterprisedrivenefficientfrontierNEAMgroupillustrationenterprisedrivenefficientfrontierhttps://www.neamgroup.com/hubfs/Authors/Chris-Myers.pngChrisMyersChrisMyers2021-06-01https://www.neamgroup.com/insights/the-net-investment-spread-rebound-divergent-paths-to-recoveryhttps://www.neamgroup.com/hubfs/articles/2026/Perspectives%20-%20Net%20Investment%20Spread%20Rebound/lifeNIS.jpglifeNISlifeNIShttps://www.neamgroup.com/hubfs/articles/2017/Perspectives%20-%20Life%20Net%20Spreads/NEAM-Group-formula-net-portfolio-yield.jpgNEAMGroupformulanetportfolioyieldNEAMGroupformulanetportfolioyieldhttps://www.neamgroup.com/hubfs/articles/2026/Perspectives%20-%20Net%20Investment%20Spread%20Rebound/NEAMgroup_histogram_net_spead_distribution_2024_2019_2015.jpgNEAMgrouphistogramnetspeaddistribution202420192015NEAMgrouphistogramnetspeaddistribution202420192015https://www.neamgroup.com/hubfs/articles/2026/Perspectives%20-%20Net%20Investment%20Spread%20Rebound/NEAMgroup_net_investment_spreads_PE_owned_v_life.jpgNEAMgroupnetinvestmentspreadsPEownedvlifeNEAMgroupnetinvestmentspreadsPEownedvlifehttps://www.neamgroup.com/hubfs/articles/2026/Perspectives%20-%20Net%20Investment%20Spread%20Rebound/NEAMgroup_distribution_gross_reserve_size.jpgNEAMgroupdistributiongrossreservesizeNEAMgroupdistributiongrossreservesizehttps://www.neamgroup.com/hubfs/articles/2026/Perspectives%20-%20Net%20Investment%20Spread%20Rebound/NEAMgroup_pe_owned_v_life_fixed_income_sector_allocations.jpgNEAMgrouppeownedvlifefixedincomesectorallocationsNEAMgrouppeownedvlifefixedincomesectorallocationshttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/articles/2026/Perspectives%20-%20Net%20Investment%20Spread%20Rebound/NEAMgroup_percentage_companies_positive_net_spreads.jpgNEAMgrouppercentagecompaniespositivenetspreadsNEAMgrouppercentagecompaniespositivenetspreadshttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/Authors/Eric_Huang_BW.jpg.pngEricHuangBWjpgEricHuangBWjpghttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/articles/2026/Perspectives%20-%20Net%20Investment%20Spread%20Rebound/NEAMgroup_earned_rate_pe_owned_insurers.jpgNEAMgroupearnedratepeownedinsurersNEAMgroupearnedratepeownedinsurershttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2026/Perspectives%20-%20Net%20Investment%20Spread%20Rebound/NEAMgroup_net_spreads_business_focus_size.jpgNEAMgroupnetspreadsbusinessfocussizeNEAMgroupnetspreadsbusinessfocussizehttps://www.neamgroup.com/hubfs/articles/2026/Perspectives%20-%20Net%20Investment%20Spread%20Rebound/NEAMgroup_net_spreads_business_focus.jpgNEAMgroupnetspreadsbusinessfocusNEAMgroupnetspreadsbusinessfocushttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/articles/2026/Perspectives%20-%20Net%20Investment%20Spread%20Rebound/NEAMgroup_percentage_companies_positive_net_spreads_size.jpgNEAMgrouppercentagecompaniespositivenetspreadssizeNEAMgrouppercentagecompaniespositivenetspreadssizehttps://www.neamgroup.com/hubfs/articles/2026/Perspectives%20-%20Net%20Investment%20Spread%20Rebound/NEAMgroup_industry_net_spread_earned_rate_increased.jpgNEAMgroupindustrynetspreadearnedrateincreasedNEAMgroupindustrynetspreadearnedrateincreasedhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTop2026-01-12https://www.neamgroup.com/manage-your-subscriptionshttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford20242021-02-09https://www.neamgroup.com/insights/the-demise-of-the-unicornhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/articles/2020/Quick%20Takes%20-%20Demise%20of%20the%20Unicorn/NEAMgroup_parallels_to_the_dot_com_era.jpgNEAMgroupparallelstothedotcomeraNEAMgroupparallelstothedotcomerahttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/articles/2020/Quick%20Takes%20-%20Demise%20of%20the%20Unicorn/demiseunicorn.jpgdemiseunicorndemiseunicornhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/Authors/Michele-Matzinger.pngMicheleMatzingerMicheleMatzinger2020-03-11https://www.neamgroup.com/insights/pc-industry-book-yield-projections-2018https://www.neamgroup.com/hubfs/articles/2018/Quick%20Takes%20-%20Projected%20Book%20Yields%202018/NEAMgroup-historical-treasury-yield-curves.jpgNEAMgrouphistoricaltreasuryyieldcurvesNEAMgrouphistoricaltreasuryyieldcurveshttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/Authors/Steve-Rakowski.pngSteveRakowskiSteveRakowskihttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/articles/NEAM-Group-Projected-Yields.jpgNEAMGroupProjectedYieldsNEAMGroupProjectedYieldshttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2018/Quick%20Takes%20-%20Projected%20Book%20Yields%202018/NEAMgroup-unrealized-g-l-vs-10-year-treasury.jpgNEAMgroupunrealizedglvs10yeartreasuryNEAMgroupunrealizedglvs10yeartreasuryhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/articles/2018/Quick%20Takes%20-%20Projected%20Book%20Yields%202018/NEAMgroup-projected-BY.jpgNEAMgroupprojectedBYNEAMgroupprojectedBYhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/articles/2018/Quick%20Takes%20-%20Projected%20Book%20Yields%202018/NEAMgroup-pandc-industry-historical-and-forecasted-book-yields.jpgNEAMgrouppandcindustryhistoricalandforecastedbookyieldsNEAMgrouppandcindustryhistoricalandforecastedbookyieldshttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/articles/2018/Quick%20Takes%20-%20Projected%20Book%20Yields%202018/NEAMgroup-average-reinvestment-rate.jpgNEAMgroupaveragereinvestmentrateNEAMgroupaveragereinvestmentratehttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford20242020-05-19https://www.neamgroup.com/insights/ecb-to-qe-or-not-to-qehttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/articles/NEAM-Chart-2-ECB-Balance-Sheet-Behind-the-Curve-Total-Assets.jpgNEAMChart2ECBBalanceSheetBehindtheCurveTotalAssetsNEAMChart2ECBBalanceSheetBehindtheCurveTotalAssetshttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/Authors/NEAM-Hugh-McCutcheon.pngNEAMHughMcCutcheonNEAMHughMcCutcheonhttps://www.neamgroup.com/hubfs/articles/NEAM-Chart-1-Fall-in-Euro-Area-Inflation-a-Surprise.jpgNEAMChart1FallinEuroAreaInflationaSurpriseNEAMChart1FallinEuroAreaInflationaSurprisehttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowus2016-04-20https://www.neamgroup.com/insights/libor-transition-updatehttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2018/Quick%20Takes%20-%20Libor%20Transition%20Update/NEAMgroup_daily_volumes_in_US_money_markets.jpgNEAMgroupdailyvolumesinUSmoneymarketsNEAMgroupdailyvolumesinUSmoneymarketshttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/articles/2018/Quick%20Takes%20-%20Libor%20Transition%20Update/libortransition.jpglibortransitionlibortransitionhttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/Authors/NEAM-Emre-Algan.pngNEAMEmreAlganNEAMEmreAlganhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/articles/2018/Quick%20Takes%20-%20Libor%20Transition%20Update/NEAMgroup_libor_vs_overnight_treasury_repo_rates.jpgNEAMgroupliborvsovernighttreasuryreporatesNEAMgroupliborvsovernighttreasuryreporateshttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORS2018-05-17https://www.neamgroup.com/non-ushttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/assets/images/Photo%20Refresh%202025/LTD%20-%20home%20-%20dedicated%20client%20service.jpgLTDhomededicatedclientserviceLTDhomededicatedclientservicehttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/images/featured%20image%20-%20logo.jpgNEAMlogofeaturedimagelogohttps://www.neamgroup.com/hubfs/assets/images/Photo%20Refresh%202025/LTD%20-%20home%20-%20decades.jpgLTDhomedecadesLTDhomedecadeshttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/assets/images/img-home-focus_2.jpgimghomefocus2imghomefocus2https://www.neamgroup.com/hubfs/NEAM-CarouselMain-LloydsSurvey-NONUS.jpgNEAMCarouselMainLloydsSurveyNONUSNEAMCarouselMainLloydsSurveyNONUShttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-home-technology.jpgimghometechnologyimghometechnologyhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-home-investment-team_1.jpgYourinvestmentteamdownthehallimghomeinvestmentteam1https://www.neamgroup.com/hubfs/home/asset%20management%20-%20ltd.jpgassetmanagementltdassetmanagementltdhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/assets/images/slider/Carousel%20-%20ESG.jpgCarouselESGCarouselESGhttps://www.neamgroup.com/hubfs/assets/images/Photo%20Refresh%202025/LTD%20-%20home%20-%20down%20the%20hall.jpgLTDhomedownthehallLTDhomedownthehallhttps://www.neamgroup.com/hubfs/assets/images/img-home-insights_01.jpgimghomeinsights01imghomeinsights01https://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/home/insights.jpginsightsinsightshttps://www.neamgroup.com/hubfs/assets/images/Photo%20Refresh%202025/LTD%20-%20home%20-%20primary%20focus.jpgLTDhomeprimaryfocusLTDhomeprimaryfocushttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowus2026-02-24https://www.neamgroup.com/insights/fannie-and-freddies-great-escape-hurdles-to-gse-privatizationhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/Authors/NEAM-Rakesh-Kansara.pngNEAMRakeshKansaraNEAMRakeshKansarahttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2025/Quick%20Takes%20-%20GSE/NEAMgroup_01_Composition_US_Single_Family_Mortgage_Market.jpgNEAMgroup01CompositionUSSingleFamilyMortgageMarketNEAMgroup01CompositionUSSingleFamilyMortgageMarkethttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/articles/2025/Quick%20Takes%20-%20GSE/NEAMgroup_02_GSE%202025.jpgNEAMgroup02GSE2025NEAMgroup02GSE2025https://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2025/Quick%20Takes%20-%20GSE/gse_priv.jpggseprivgsepriv2025-10-29https://www.neamgroup.com/insights/is-low-inflation-here-to-stayhttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/Authors/Vin-Delucia.pngVinDeluciaVinDeluciahttps://www.neamgroup.com/hubfs/articles/2018/Quick%20Takes%20-%20Low%20Inflation/NEAMgroup_US-inflation-since-1926.jpgNEAMgroupUSinflationsince1926NEAMgroupUSinflationsince1926https://www.neamgroup.com/hubfs/articles/2018/Quick%20Takes%20-%20Low%20Inflation/NEAMgroup_US-trade-breakdown.jpgNEAMgroupUStradebreakdownNEAMgroupUStradebreakdownhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2018/Quick%20Takes%20-%20Low%20Inflation/lowinflation.jpglowinflationlowinflationhttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORS2018-04-03https://www.neamgroup.com/insights/whole-business-securitization-the-power-of-structurehttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/articles/NEAM-Comparative-Yields.jpgNEAMComparativeYieldsNEAMComparativeYieldshttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/articles/powerofstructure.jpgpowerofstructurepowerofstructurehttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/Authors/NEAM-Jennifer-Quisenberry.pngNEAMJenniferQuisenberryNEAMJenniferQuisenberryhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/articles/NEAM-Indicative-Yield-Comparison-Pre-and-Post-Whole-Business-Securitization.jpgNEAMIndicativeYieldComparisonPreandPostWholeBusinessSecuritizationNEAMIndicativeYieldComparisonPreandPostWholeBusinessSecuritizationhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/articles/NEAM-Sample-WBS-Transaction-Structure.jpgNEAMSampleWBSTransactionStructureNEAMSampleWBSTransactionStructurehttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearch2016-08-04https://www.neamgroup.com/insights/2024-u.s.-life-industry-investment-highlights-yield-momentum-persists-though-moderatinghttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/articles/2025/Perspectives%20-%20Life%20Investment%20Highlights%202024/NEAMgroup_C03_fixed_income_book_yields_credit_rating.jpgNEAMgroupC03fixedincomebookyieldscreditratingNEAMgroupC03fixedincomebookyieldscreditratinghttps://www.neamgroup.com/hubfs/articles/2025/Perspectives%20-%20Life%20Investment%20Highlights%202024/NEAMgroup_C02_fixed_income_credit_quality.jpgNEAMgroupC02fixedincomecreditqualityNEAMgroupC02fixedincomecreditqualityhttps://www.neamgroup.com/hubfs/articles/2025/Perspectives%20-%20Life%20Investment%20Highlights%202024/NEAMgroup_C01_fixed_income_sector_allocation.jpgNEAMgroupC01fixedincomesectorallocationNEAMgroupC01fixedincomesectorallocationhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/articles/2025/Perspectives%20-%20Life%20Investment%20Highlights%202024/NEAMgroup_T06_fixed_income_duration_credit_rating.jpgNEAMgroupT06fixedincomedurationcreditratingNEAMgroupT06fixedincomedurationcreditratinghttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/articles/2025/Perspectives%20-%20Life%20Investment%20Highlights%202024/NEAMgroup_T03_broad_sector_asset_allocation.jpgNEAMgroupT03broadsectorassetallocationNEAMgroupT03broadsectorassetallocationhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2025/Perspectives%20-%20Life%20Investment%20Highlights%202024/NEAMgroup_T04_fixed_income_book_yield.jpgNEAMgroupT04fixedincomebookyieldNEAMgroupT04fixedincomebookyieldhttps://www.neamgroup.com/hubfs/articles/2025/Perspectives%20-%20Life%20Investment%20Highlights%202024/NEAMgroup_T01_earned_investment_income.jpgNEAMgroupT01earnedinvestmentincomeNEAMgroupT01earnedinvestmentincomehttps://www.neamgroup.com/hubfs/Authors/Mark-Yu.pngMarkYuMarkYuhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2025/Perspectives%20-%20Life%20Investment%20Highlights%202024/NEAMgroup_T02_earned_investment_income_contribution.jpgNEAMgroupT02earnedinvestmentincomecontributionNEAMgroupT02earnedinvestmentincomecontributionhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/articles/2025/Perspectives%20-%20Life%20Investment%20Highlights%202024/life_highlights_2024.jpglifehighlights2024lifehighlights2024https://www.neamgroup.com/hubfs/articles/2025/Perspectives%20-%20Life%20Investment%20Highlights%202024/NEAMgroup_T05_fixed_income_OAD.jpgNEAMgroupT05fixedincomeOADNEAMgroupT05fixedincomeOAD2025-08-26https://www.neamgroup.com/insights/federal-home-loan-bank-proposed-changes-to-insurance-company-membershiphttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/articles/NEAM-Chart-1-Non-Compliant-Percent-of-Sample-Tested-HML-at-1-2-and-5-Percent-of-Total-Assets.jpgNEAMChart1NonCompliantPercentofSampleTestedHMLat12and5PercentofTotalAssetsNEAMChart1NonCompliantPercentofSampleTestedHMLat12and5PercentofTotalAssetshttps://www.neamgroup.com/hubfs/Authors/Coley-Lynch.pngColeyLynchColeyLynchhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/articles/NEAM-Non-Compliant-Sample-Tested.jpgNEAMNonCompliantSampleTestedNEAMNonCompliantSampleTestedhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford20242016-04-20https://www.neamgroup.com/insights/tax-reform-game-changer-for-munishttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/articles/2017/Quick%20Takes%20-%20Tax%20Reform%20Munis/NEAM-group-summary-of-key-tax-proposals-which-could-impact-muni-bond-demand.jpgNEAMgroupsummaryofkeytaxproposalswhichcouldimpactmunibonddemandNEAMgroupsummaryofkeytaxproposalswhichcouldimpactmunibonddemandhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/articles/2017/Quick%20Takes%20-%20Tax%20Reform%20Munis/NEAM-group-municipal-market-3.8-trillion.jpgNEAMgroupmunicipalmarket38trillionNEAMgroupmunicipalmarket38trillionhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/Authors/Harold-B-Hawkins.pngHaroldBHawkinsHaroldBHawkinshttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/articles/2017/Quick%20Takes%20-%20Tax%20Reform%20Munis/NEAM-group-insurance-companies-AA-muni-taxable-equiv-yield-spreads.jpgNEAMgroupinsurancecompaniesAAmunitaxableequivyieldspreadsNEAMgroupinsurancecompaniesAAmunitaxableequivyieldspreadshttps://www.neamgroup.com/hubfs/articles/2017/Quick%20Takes%20-%20Tax%20Reform%20Munis/taxreformmunis.jpgtaxreformmunistaxreformmunishttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/articles/2017/Quick%20Takes%20-%20Tax%20Reform%20Munis/NEAM-group-marginal-tax-rate-cohorts-of-retail-muni-investors.jpgNEAMgroupmarginaltaxratecohortsofretailmuniinvestorsNEAMgroupmarginaltaxratecohortsofretailmuniinvestorshttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterR2017-01-26https://www.neamgroup.com/media-center/gr-neam-hires-patrick-scullyhttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydown2016-06-13https://www.neamgroup.com/insights/high-yield-anxietyhttps://www.neamgroup.com/hubfs/articles/2019/Quick%20Takes%20-%20High%20(Yield)%20Anxiety/NEAMgroup_US_leveraged_buyout_transacation_volume.jpgNEAMgroupUSleveragedbuyouttransacationvolumeNEAMgroupUSleveragedbuyouttransacationvolumehttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/articles/2019/Quick%20Takes%20-%20High%20(Yield)%20Anxiety/highyieldanxiety.jpghighyieldanxietyhighyieldanxietyhttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/articles/2019/Quick%20Takes%20-%20High%20(Yield)%20Anxiety/NEAMgroup_CLO_issuance_by_year.jpgNEAMgroupCLOissuancebyyearNEAMgroupCLOissuancebyyearhttps://www.neamgroup.com/hubfs/articles/2019/Quick%20Takes%20-%20High%20(Yield)%20Anxiety/NEAMgroup_BBB_rated_bonds_as_percentage_of_IG_market.jpgNEAMgroupBBBratedbondsaspercentageofIGmarketNEAMgroupBBBratedbondsaspercentageofIGmarkethttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2019/Quick%20Takes%20-%20High%20(Yield)%20Anxiety/NEAMgroup_high_yield_market_ratings_distribution.jpgNEAMgrouphighyieldmarketratingsdistributionNEAMgrouphighyieldmarketratingsdistributionhttps://www.neamgroup.com/hubfs/articles/2019/Quick%20Takes%20-%20High%20(Yield)%20Anxiety/NEAMgroup_LBO_volume_high_yield_bond_vs_bank_loan_financing.jpgNEAMgroupLBOvolumehighyieldbondvsbankloanfinancingNEAMgroupLBOvolumehighyieldbondvsbankloanfinancinghttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2019/Quick%20Takes%20-%20High%20(Yield)%20Anxiety/NEAMgroup-default_for_high_yield_bond_and_leveraged_loan_issuers.jpgNEAMgroupdefaultforhighyieldbondandleveragedloanissuersNEAMgroupdefaultforhighyieldbondandleveragedloanissuershttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/articles/2019/Quick%20Takes%20-%20High%20(Yield)%20Anxiety/NEAMgroup_CLO_market_statistics.jpgNEAMgroupCLOmarketstatisticsNEAMgroupCLOmarketstatisticshttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/Authors/NEAM-Andy-Brown.pngNEAMAndyBrownNEAMAndyBrownhttps://www.neamgroup.com/hubfs/articles/2019/Quick%20Takes%20-%20High%20(Yield)%20Anxiety/NEAMgroup_high_yield_market_par_outstanding.jpgNEAMgrouphighyieldmarketparoutstandingNEAMgrouphighyieldmarketparoutstandinghttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/articles/2019/Quick%20Takes%20-%20High%20(Yield)%20Anxiety/NEAMgroup_median_interest_coverage_ratios.jpgNEAMgroupmedianinterestcoverageratiosNEAMgroupmedianinterestcoverageratios2019-01-28https://www.neamgroup.com/insights/where-are-we-in-the-corporate-credit-cyclehttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/corp-credit.pngcorpcreditcorpcredithttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/Authors/NEAM-Kevin-Burke.pngNEAMKevinBurkeNEAMKevinBurkehttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/articles/NEAM-Energy-Spreads.jpgNEAMEnergySpreadsNEAMEnergySpreadshttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/articles/NEAM-Investment-Grade-and-High-Yield-Spreads.jpgNEAMInvestmentGradeandHighYieldSpreadsNEAMInvestmentGradeandHighYieldSpreadshttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/articles/NEAM-Corporate-Leverage-Domestic.jpgNEAMCorporateLeverageDomesticNEAMCorporateLeverageDomestichttps://www.neamgroup.com/hubfs/articles/NEAM-Sector-Leverage-Changes.jpgNEAMSectorLeverageChangesNEAMSectorLeverageChangeshttps://www.neamgroup.com/hubfs/articles/NEAM-Credit-Cycle.jpgNEAMCreditCycleNEAMCreditCyclehttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTop2016-04-12https://www.neamgroup.com/copyright-noticehttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford20242016-06-14https://www.neamgroup.com/insights/monthly-economic-highlights-july-2023https://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/articles/2023/Outlook%20-%20July%202023/NEAMgroup_02_outlook072023.jpgNEAMgroup02outlook072023NEAMgroup02outlook072023https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/articles/2023/Outlook%20-%20July%202023/NEAMgroup_08_outlook072023.jpgNEAMgroup08outlook072023NEAMgroup08outlook072023https://www.neamgroup.com/hubfs/Authors/Coley-Lynch.pngColeyLynchColeyLynchhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2023/Outlook%20-%20July%202023/NEAMgroup_04_outlook072023.jpgNEAMgroup04outlook072023NEAMgroup04outlook072023https://www.neamgroup.com/hubfs/articles/2023/Outlook%20-%20July%202023/NEAMgroup_07_outlook072023.jpgNEAMgroup07outlook072023NEAMgroup07outlook072023https://www.neamgroup.com/hubfs/articles/2023/Outlook%20-%20June%202023/outlook.jpgoutlookoutlookhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/articles/2023/Outlook%20-%20July%202023/NEAMgroup_01_outlook072023.jpgNEAMgroup01outlook072023NEAMgroup01outlook072023https://www.neamgroup.com/hubfs/articles/2023/Outlook%20-%20July%202023/NEAMgroup_06_outlook072023.jpgNEAMgroup06outlook072023NEAMgroup06outlook072023https://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/articles/2023/Outlook%20-%20July%202023/NEAMgroup_05_outlook072023.jpgNEAMgroup05outlook072023NEAMgroup05outlook072023https://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/articles/2023/Outlook%20-%20July%202023/NEAMgroup_03_outlook072023.jpgNEAMgroup03outlook072023NEAMgroup03outlook0720232023-07-13https://www.neamgroup.com/insights/2012-investment-highlights-a-difficult-year-indicating-grim-prospects-but-not-for-allhttps://www.neamgroup.com/hubfs/articles/NEAM-2012-Municipal-Bond-Holding-Distribution.jpgNEAM2012MunicipalBondHoldingDistributionNEAM2012MunicipalBondHoldingDistributionhttps://www.neamgroup.com/hubfs/articles/NEAM-Statutory-Investment-Results-Before-Taxes.jpgNEAMStatutoryInvestmentResultsBeforeTaxesNEAMStatutoryInvestmentResultsBeforeTaxeshttps://www.neamgroup.com/hubfs/articles/NEAM-Fixed-Income-Credit-Quality-2.jpgNEAMFixedIncomeCreditQuality2NEAMFixedIncomeCreditQuality2https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/NEAM-James-E-Bachman.pngNEAMJamesEBachmanNEAMJamesEBachmanhttps://www.neamgroup.com/hubfs/articles/NEAM-Fixed-Income-Sector-Option-Adjusted-Duration-1.jpgNEAMFixedIncomeSectorOptionAdjustedDuration1NEAMFixedIncomeSectorOptionAdjustedDuration1https://www.neamgroup.com/hubfs/articles/NEAM-Fixed-Income-Sector-Allocation-II.jpgNEAMFixedIncomeSectorAllocationIINEAMFixedIncomeSectorAllocationIIhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/articles/NEAM-2012-Taxable-Bond-Duration-and-Book-Yields.jpgNEAM2012TaxableBondDurationandBookYieldsNEAM2012TaxableBondDurationandBookYieldshttps://www.neamgroup.com/hubfs/articles/NEAM-Risk-Assets-in-Billions-as-a-Percent-of-Invested-Assets.jpgNEAMRiskAssetsinBillionsasaPercentofInvestedAssetsNEAMRiskAssetsinBillionsasaPercentofInvestedAssetshttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/articles/NEAM-FIxed-Income-Sector-Book-Yield-2.jpgNEAMFIxedIncomeSectorBookYield2NEAMFIxedIncomeSectorBookYield2https://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/articles/NEAM-2012-Tax-Exempt-Duration-and-Book-Yields.jpgNEAM2012TaxExemptDurationandBookYieldsNEAM2012TaxExemptDurationandBookYieldshttps://www.neamgroup.com/hubfs/articles/NEAM-PC-Broad-Sector-Asset-Allocation.jpgNEAMPCBroadSectorAssetAllocationNEAMPCBroadSectorAssetAllocationhttps://www.neamgroup.com/hubfs/articles/NEAM-2012-Taxable-Bond-Duration-and-Book-Yields-by-Category-1.jpgNEAM2012TaxableBondDurationandBookYieldsbyCategory1NEAM2012TaxableBondDurationandBookYieldsbyCategory1https://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/articles/NEAM-Earned-Investment-Income-by-Broad-Asset-Class-2.jpgNEAMEarnedInvestmentIncomebyBroadAssetClass2NEAMEarnedInvestmentIncomebyBroadAssetClass2https://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/articles/NEAM-Table-1-PC-Industry-Highlights.jpgNEAMTable1PCIndustryHighlightsNEAMTable1PCIndustryHighlightshttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMR2016-04-20https://www.neamgroup.com/insights/notable-occurrences-equity-market-top-tenhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/articles/2019/Outlook%20-%20Notable%20Occurrences%20(4Q%202018)/NEAMgroup_Oil_volatility.jpgNEAMgroupOilvolatilityNEAMgroupOilvolatilityhttps://www.neamgroup.com/hubfs/articles/2019/Outlook%20-%20Notable%20Occurrences%20(4Q%202018)/NEAMgroup_S&P500_price_change_vs_PMI.jpgNEAMgroupSP500pricechangevsPMINEAMgroupSP500pricechangevsPMIhttps://www.neamgroup.com/hubfs/articles/2019/Outlook%20-%20Notable%20Occurrences%20(4Q%202018)/NEAMgroup_largest_point_gain_loss_in_same_year.jpgNEAMgrouplargestpointgainlossinsameyearNEAMgrouplargestpointgainlossinsameyearhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/Authors/Michele-Matzinger.pngMicheleMatzingerMicheleMatzingerhttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/articles/2019/Outlook%20-%20Notable%20Occurrences%20(4Q%202018)/equitytopten.jpgequitytoptenequitytoptenhttps://www.neamgroup.com/hubfs/articles/2019/Outlook%20-%20Notable%20Occurrences%20(4Q%202018)/NEAMgroup_supercharged_volatility.jpgNEAMgroupsuperchargedvolatilityNEAMgroupsuperchargedvolatilityhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2019/Outlook%20-%20Notable%20Occurrences%20(4Q%202018)/NEAMgroup_stock_bond_correlation.jpgNEAMgroupstockbondcorrelationNEAMgroupstockbondcorrelationhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydown2019-01-31https://www.neamgroup.com/insights/considering-opportunities-in-low-return-uncertain-environment-an-enterprise-viewhttps://www.neamgroup.com/hubfs/articles/opportunities.jpgopportunitiesopportunitieshttps://www.neamgroup.com/hubfs/figure_1-corrected.jpgfigure1correctedfigure1correctedhttps://www.neamgroup.com/hubfs/articles/NEAM-Group-Return-on-Equity-Calculation.pngNEAMGroupReturnonEquityCalculationNEAMGroupReturnonEquityCalculationhttps://www.neamgroup.com/hubfs/figure4-updated.jpgfigure4updatedfigure4updatedhttps://www.neamgroup.com/hubfs/articles/NEAM-Group-Potential-Asset-Allocation-Options.pngNEAMGroupPotentialAssetAllocationOptionsNEAMGroupPotentialAssetAllocationOptionshttps://www.neamgroup.com/hubfs/articles/NEAM-Group-US-Property-Casualty-Industry-Premium-and-Invested-Assets.pngNEAMGroupUSPropertyCasualtyIndustryPremiumandInvestedAssetsNEAMGroupUSPropertyCasualtyIndustryPremiumandInvestedAssetshttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/articles/NEAM-Group-One-Year-Forward-Expected-Investment-Total-Return.pngNEAMGroupOneYearForwardExpectedInvestmentTotalReturnNEAMGroupOneYearForwardExpectedInvestmentTotalReturnhttps://www.neamgroup.com/hubfs/articles/NEAM-Group-Pull-Quote-Method-Per-Se.pngNEAMGroupPullQuoteMethodPerSeNEAMGroupPullQuoteMethodPerSehttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/NEAM-James-E-Bachman.pngNEAMJamesEBachmanNEAMJamesEBachmanhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/articles/NEAM-Group-US-Property-Casualty-Industry-Combined-Ratios.pngNEAMGroupUSPropertyCasualtyIndustryCombinedRatiosNEAMGroupUSPropertyCasualtyIndustryCombinedRatioshttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/articles/NEAM-Group-Premium-and-Investment-Leverage.pngNEAMGroupPremiumandInvestmentLeverageNEAMGroupPremiumandInvestmentLeveragehttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/articles/NEAM-Group-Property-Casualty-Industry-Earned-Invested-Assets.pngNEAMGroupPropertyCasualtyIndustryEarnedInvestedAssetsNEAMGroupPropertyCasualtyIndustryEarnedInvestedAssets2016-09-30https://www.neamgroup.com/media-centerhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/assets/images/Photo%20Refresh%202025/media%20center.jpgmediacentermediacenterhttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford20242022-12-22https://www.neamgroup.com/insights/quick-takes-3-gdp-growth-in-the-us-achievable-of-just-wishful-thinkinghttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/articles/2017/Quick%20Takes%20-%203%20Percent%20GDP%20Growth/Neam_group_US_Growth_Factors_vs_Reported_GDP_Growth.jpgNeamgroupUSGrowthFactorsvsReportedGDPGrowthNeamgroupUSGrowthFactorsvsReportedGDPGrowthhttps://www.neamgroup.com/hubfs/articles/2017/Quick%20Takes%20-%203%20Percent%20GDP%20Growth/Neam_group_gdp_growth.jpgNeamgroupgdpgrowthNeamgroupgdpgrowthhttps://www.neamgroup.com/hubfs/articles/2017/Quick%20Takes%20-%203%20Percent%20GDP%20Growth/Neam_group_US_Productivity_and_Labor_Force_Growth_by_Decade.jpgNeamgroupUSProductivityandLaborForceGrowthbyDecadeNeamgroupUSProductivityandLaborForceGrowthbyDecadehttps://www.neamgroup.com/hubfs/articles/2017/Quick%20Takes%20-%203%20Percent%20GDP%20Growth/Neam_group_Growth_of_Stock_Repurchase_Relative_to_Capital_Expenditures.jpgNeamgroupGrowthofStockRepurchaseRelativetoCapitalExpendituresNeamgroupGrowthofStockRepurchaseRelativetoCapitalExpenditureshttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/Authors/Vin-Delucia.pngVinDeluciaVinDeluciahttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/articles/2017/Quick%20Takes%20-%203%20Percent%20GDP%20Growth/Neam_group_Labor_Force_Participation_of_Prime_Working_Age_Individuals.jpgNeamgroupLaborForceParticipationofPrimeWorkingAgeIndividualsNeamgroupLaborForceParticipationofPrimeWorkingAgeIndividuals2017-05-16https://www.neamgroup.com/insights/2018highlightshttps://www.neamgroup.com/hubfs/articles/2019/Perspectives%20-%20FULL%20Dont%20Uncork%20the%20Champagne/NEAMgroup_2010_and2018_tax-exempt_municipal_bond_share_of_fixed_income_assets_and_duration.jpgNEAMgroup2010and2018taxexemptmunicipalbondshareoffixedincomeassetsanddurationNEAMgroup2010and2018taxexemptmunicipalbondshareoffixedincomeassetsanddurationhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/articles/2019/Perspectives%20-%20FULL%20Dont%20Uncork%20the%20Champagne/NEAMgroup_broad_sector_allocation_by_affiliated_and_unaffiliated_categories_and_respective_totals.jpgNEAMgroupbroadsectorallocationbyaffiliatedandunaffiliatedcategoriesandrespectivetotalsNEAMgroupbroadsectorallocationbyaffiliatedandunaffiliatedcategoriesandrespectivetotalshttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/articles/2019/Perspectives%20-%20FULL%20Dont%20Uncork%20the%20Champagne/NEAMgroup_A_industry_market_leaders_in_underwriting_performance.jpgNEAMgroupAindustrymarketleadersinunderwritingperformanceNEAMgroupAindustrymarketleadersinunderwritingperformancehttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/articles/2019/Perspectives%20-%20FULL%20Dont%20Uncork%20the%20Champagne/NEAMgroup_risk_assets_share_of_total_Assets_and_surplus_by_affiliated_and_unaffiliated_categories.jpgNEAMgroupriskassetsshareoftotalAssetsandsurplusbyaffiliatedandunaffiliatedcategoriesNEAMgroupriskassetsshareoftotalAssetsandsurplusbyaffiliatedandunaffiliatedcategorieshttps://www.neamgroup.com/hubfs/articles/2019/Perspectives%20-%20FULL%20Dont%20Uncork%20the%20Champagne/NEAMgroup_ICE_BAML_municipal_u0t0_and_broad_market_d0a0_return_and_risk_metric.jpgNEAMgroupICEBAMLmunicipalu0t0andbroadmarketd0a0returnandriskmetricNEAMgroupICEBAMLmunicipalu0t0andbroadmarketd0a0returnandriskmetrichttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2019/Perspectives%20-%20FULL%20Dont%20Uncork%20the%20Champagne/NEAMgroup_fixed_income_option_adjusted_duration.jpgNEAMgroupfixedincomeoptionadjusteddurationNEAMgroupfixedincomeoptionadjusteddurationhttps://www.neamgroup.com/hubfs/articles/2019/Perspectives%20-%20FULL%20Dont%20Uncork%20the%20Champagne/NEAMgroup_total_invested_assets_and_bond_holdings_percentages.jpgNEAMgrouptotalinvestedassetsandbondholdingspercentagesNEAMgrouptotalinvestedassetsandbondholdingspercentageshttps://www.neamgroup.com/hubfs/articles/2019/Perspectives%20-%20FULL%20Dont%20Uncork%20the%20Champagne/NEAMgroup_broad_sector_allocation_by_affiliated_and_unaffiliated_categories_and_total_earned_investment_income.jpgNEAMgroupbroadsectorallocationbyaffiliatedandunaffiliatedcategoriesandtotalearnedinvestmentincomeNEAMgroupbroadsectorallocationbyaffiliatedandunaffiliatedcategoriesandtotalearnedinvestmentincomehttps://www.neamgroup.com/hubfs/articles/2019/Perspectives%20-%20Dont%20Uncork%20the%20Champagne/NEAMgroup-reported-industry-financial-results.jpgNEAMgroupreportedindustryfinancialresultsNEAMgroupreportedindustryfinancialresultshttps://www.neamgroup.com/hubfs/articles/2019/Perspectives%20-%20FULL%20Dont%20Uncork%20the%20Champagne/NEAMgroup_fixed_income_sector_allocation.jpgNEAMgroupfixedincomesectorallocationNEAMgroupfixedincomesectorallocationhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2019/Perspectives%20-%20FULL%20Dont%20Uncork%20the%20Champagne/NEAMgroup_B_industry_underwriting_market_leaders_group_average_compared_to_industry_aggregates.jpgNEAMgroupBindustryunderwritingmarketleadersgroupaveragecomparedtoindustryaggregatesNEAMgroupBindustryunderwritingmarketleadersgroupaveragecomparedtoindustryaggregateshttps://www.neamgroup.com/hubfs/articles/2019/Perspectives%20-%20FULL%20Dont%20Uncork%20the%20Champagne/NEAMgroup_D_industry_investment_market_leaders_group_average_compared_to_industry_aggregates.jpgNEAMgroupDindustryinvestmentmarketleadersgroupaveragecomparedtoindustryaggregatesNEAMgroupDindustryinvestmentmarketleadersgroupaveragecomparedtoindustryaggregateshttps://www.neamgroup.com/hubfs/articles/2019/Perspectives%20-%20FULL%20Dont%20Uncork%20the%20Champagne/NEAMgroup_fixed_income_book_yields.jpgNEAMgroupfixedincomebookyieldsNEAMgroupfixedincomebookyieldshttps://www.neamgroup.com/hubfs/articles/2019/Perspectives%20-%20FULL%20Dont%20Uncork%20the%20Champagne/NEAMgroup_credit_migration_and_corporate_downgrade_experience.jpgNEAMgroupcreditmigrationandcorporatedowngradeexperienceNEAMgroupcreditmigrationandcorporatedowngradeexperiencehttps://www.neamgroup.com/hubfs/NEAM-James-E-Bachman.pngNEAMJamesEBachmanNEAMJamesEBachmanhttps://www.neamgroup.com/hubfs/articles/2019/Perspectives%20-%20FULL%20Dont%20Uncork%20the%20Champagne/NEAMgroup_other_fixed_income_sector_allocations.jpgNEAMgroupotherfixedincomesectorallocationsNEAMgroupotherfixedincomesectorallocationshttps://www.neamgroup.com/hubfs/articles/2019/Perspectives%20-%20FULL%20Dont%20Uncork%20the%20Champagne/NEAMgroup_affiliated_and_unaffiliated_assets_earned_investment_income.jpgNEAMgroupaffiliatedandunaffiliatedassetsearnedinvestmentincomeNEAMgroupaffiliatedandunaffiliatedassetsearnedinvestmentincomehttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/articles/2019/Perspectives%20-%20FULL%20Dont%20Uncork%20the%20Champagne/NEAMgroup_ROE_and_estimated_ROE_Tvar.jpgNEAMgroupROEandestimatedROETvarNEAMgroupROEandestimatedROETvarhttps://www.neamgroup.com/hubfs/articles/2019/Perspectives%20-%20Dont%20Uncork%20the%20Champagne/dontuncorkchampagne.jpgdontuncorkchampagnedontuncorkchampagnehttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/articles/2019/Perspectives%20-%20FULL%20Dont%20Uncork%20the%20Champagne/NEAMgroup_risk_assets_compostion_by_affiliated_and_unaffiliated_categories.jpgNEAMgroupriskassetscompostionbyaffiliatedandunaffiliatedcategoriesNEAMgroupriskassetscompostionbyaffiliatedandunaffiliatedcategorieshttps://www.neamgroup.com/hubfs/articles/2019/Perspectives%20-%20FULL%20Dont%20Uncork%20the%20Champagne/NEAMgroup_C_industry_fixed_income_investment_market_leaders.jpgNEAMgroupCindustryfixedincomeinvestmentmarketleadersNEAMgroupCindustryfixedincomeinvestmentmarketleaders2019-11-04https://www.neamgroup.com/insights/new-world-orderhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/articles/2018/Perspectives%20-%20New%20World%20Order/newworld.jpgnewworldnewworldhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/articles/2018/Perspectives%20-%20New%20World%20Order/NEAMgroup-ROE-formula.jpgNEAMgroupROEformulaNEAMgroupROEformulahttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/articles/2018/Perspectives%20-%20New%20World%20Order/NEAMgroup-us-pandc-reported-statutory-surplus-and-after-tax-return-on-average-surplus.jpgNEAMgroupuspandcreportedstatutorysurplusandaftertaxreturnonaveragesurplusNEAMgroupuspandcreportedstatutorysurplusandaftertaxreturnonaveragesurplushttps://www.neamgroup.com/hubfs/articles/2018/Perspectives%20-%20New%20World%20Order/NEAMgroup-drivers-of-insurers-statutory-return-on-equity.jpgNEAMgroupdriversofinsurersstatutoryreturnonequityNEAMgroupdriversofinsurersstatutoryreturnonequityhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/articles/2018/Perspectives%20-%20New%20World%20Order/NEAMgroup-return-on-surplus-roe-volatility.jpgNEAMgroupreturnonsurplusroevolatilityNEAMgroupreturnonsurplusroevolatilityhttps://www.neamgroup.com/hubfs/articles/2018/Perspectives%20-%20New%20World%20Order/NEAMgroup-historic-correlations-averages-and-stdev-of-returns-and-underwriting-metrics.jpgNEAMgrouphistoriccorrelationsaveragesandstdevofreturnsandunderwritingmetricsNEAMgrouphistoriccorrelationsaveragesandstdevofreturnsandunderwritingmetricshttps://www.neamgroup.com/hubfs/articles/2018/Perspectives%20-%20New%20World%20Order/NEAMgroup-industry-calendar-one-and-five-year-accident-combined-ratios.jpgNEAMgroupindustrycalendaroneandfiveyearaccidentcombinedratiosNEAMgroupindustrycalendaroneandfiveyearaccidentcombinedratioshttps://www.neamgroup.com/hubfs/articles/2018/Perspectives%20-%20New%20World%20Order/NEAMgroup-annualized-bbb-corporate-bond-total-returns-and-excess-returns-and-underlying-us-treasury-bond-total-returns.jpgNEAMgroupannualizedbbbcorporatebondtotalreturnsandexcessreturnsandunderlyingustreasurybondtotalreturnsNEAMgroupannualizedbbbcorporatebondtotalreturnsandexcessreturnsandunderlyingustreasurybondtotalreturnshttps://www.neamgroup.com/hubfs/articles/2018/Perspectives%20-%20New%20World%20Order/NEAMgroup-price-and-income-components-of-annualized-total-return-and-volatility-of-ICE-bofaml-domestic-master.jpgNEAMgrouppriceandincomecomponentsofannualizedtotalreturnandvolatilityofICEbofamldomesticmasterNEAMgrouppriceandincomecomponentsofannualizedtotalreturnandvolatilityofICEbofamldomesticmasterhttps://www.neamgroup.com/hubfs/articles/2018/Perspectives%20-%20New%20World%20Order/NEAMgroup-corporate-bond-markets-statistics-returns-yields-and-spreads.jpgNEAMgroupcorporatebondmarketsstatisticsreturnsyieldsandspreadsNEAMgroupcorporatebondmarketsstatisticsreturnsyieldsandspreadshttps://www.neamgroup.com/hubfs/articles/2018/Perspectives%20-%20New%20World%20Order/NEAMgroup-return-onequity-volatility-and-estimated-enterprise-var.jpgNEAMgroupreturnonequityvolatilityandestimatedenterprisevarNEAMgroupreturnonequityvolatilityandestimatedenterprisevarhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/NEAM-James-E-Bachman.pngNEAMJamesEBachmanNEAMJamesEBachmanhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/articles/2018/Perspectives%20-%20New%20World%20Order/NEAMgroup-corporate-bond-returns-yields-and-market-risk-statistics-correlations.jpgNEAMgroupcorporatebondreturnsyieldsandmarketriskstatisticscorrelationsNEAMgroupcorporatebondreturnsyieldsandmarketriskstatisticscorrelationshttps://www.neamgroup.com/hubfs/articles/2018/Perspectives%20-%20New%20World%20Order/NEAMgroup-annualized-pre-tax-taxable-andtax-exempt-and-equity-total-returns-and-underwriting-margins.jpgNEAMgroupannualizedpretaxtaxableandtaxexemptandequitytotalreturnsandunderwritingmarginsNEAMgroupannualizedpretaxtaxableandtaxexemptandequitytotalreturnsandunderwritingmarginshttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/articles/2018/Perspectives%20-%20New%20World%20Order/NEAMgroup-combined-ratio-volitility-and-estimates-var-by-underwriting-metric.jpgNEAMgroupcombinedratiovolitilityandestimatesvarbyunderwritingmetricNEAMgroupcombinedratiovolitilityandestimatesvarbyunderwritingmetric2018-02-08https://www.neamgroup.com/insights/the-federal-reserve-and-monetary-policy-whats-different-this-timehttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/articles/NEAM-Chart-2-US-Treasury-Yields-1965-2015.pngNEAMChart2USTreasuryYields19652015NEAMChart2USTreasuryYields19652015https://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/articles/NEAM-Chart-3-US-Budget-Expenditures.pngNEAMChart3USBudgetExpendituresNEAMChart3USBudgetExpenditureshttps://www.neamgroup.com/hubfs/articles/NEAM-Chart-1-US-Inflation-Since-1921.pngNEAMChart1USInflationSince1921NEAMChart1USInflationSince1921https://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/Authors/Vin-Delucia.pngVinDeluciaVinDeluciahttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/articles/NEAM-US-Inflation-Since-1921.jpgNEAMUSInflationSince1921NEAMUSInflationSince1921https://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORS2016-04-13https://www.neamgroup.com/media-center/gr-neam-appointsnew-chief-investment-officerhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMR2016-06-13https://www.neamgroup.com/insights/pc-industry-book-yield-projectionshttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/articles/2017/Quick%20Takes%20-%20PC%20Industry%20Book%20Yield%20Projections/Neam_group_P&C_industry_historical_and_forecasted_book_yields.jpgNeamgroupPCindustryhistoricalandforecastedbookyieldsNeamgroupPCindustryhistoricalandforecastedbookyieldshttps://www.neamgroup.com/hubfs/articles/2017/Quick%20Takes%20-%20PC%20Industry%20Book%20Yield%20Projections/Neam_group_historical_treasury_yield_curves.jpgNeamgrouphistoricaltreasuryyieldcurvesNeamgrouphistoricaltreasuryyieldcurveshttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2017/Quick%20Takes%20-%20PC%20Industry%20Book%20Yield%20Projections/Neam_group_future_investments_income_earnings_power.jpgNeamgroupfutureinvestmentsincomeearningspowerNeamgroupfutureinvestmentsincomeearningspowerhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/articles/2017/Quick%20Takes%20-%20PC%20Industry%20Book%20Yield%20Projections/Neam_group_reinvestment_rate_assumptions.jpgNeamgroupreinvestmentrateassumptionsNeamgroupreinvestmentrateassumptionshttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/articles/2017/Quick%20Takes%20-%20PC%20Industry%20Book%20Yield%20Projections/iStock-531473774_BW.jpgiStock531473774BWiStock531473774BWhttps://www.neamgroup.com/hubfs/Authors/Steve-Rakowski.pngSteveRakowskiSteveRakowski2017-10-10https://www.neamgroup.com/careers-new-business-development-professionalhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMR2017-01-11https://www.neamgroup.com/insights/datacenter-abshttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/articles/2024/Quick%20Takes%20-%20Datacenter%20ABS/datacenterabs.jpgdatacenterabsdatacenterabshttps://www.neamgroup.com/hubfs/articles/2024/Quick%20Takes%20-%20Datacenter%20ABS/NEAMgroup_02_hyperscale_lease_rates.jpgNEAMgroup02hyperscaleleaseratesNEAMgroup02hyperscaleleaserateshttps://www.neamgroup.com/hubfs/Authors/NEAM%20-%20Justin%20Beaudreau.pngNEAMJustinBeaudreauNEAMJustinBeaudreauhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2024/Quick%20Takes%20-%20Datacenter%20ABS/NEAMgroup_01_north_america_dataceber_leasing.jpgNEAMgroup01northamericadataceberleasingNEAMgroup01northamericadataceberleasinghttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/articles/2024/Quick%20Takes%20-%20Datacenter%20ABS/NEAMgroup_03_credit_ratings_hyperscale_tenants.jpgNEAMgroup03creditratingshyperscaletenantsNEAMgroup03creditratingshyperscaletenants2024-04-02https://www.neamgroup.com/insights/stress-testing-details-do-matterhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/articles/NEAM-Five-Year-U.S.-Treasury-Maximum-Total-Return-Drawdowns-1962---2014.jpgNEAMFiveYearUSTreasuryMaximumTotalReturnDrawdowns19622014NEAMFiveYearUSTreasuryMaximumTotalReturnDrawdowns19622014https://www.neamgroup.com/hubfs/NEAM-James-E-Bachman.pngNEAMJamesEBachmanNEAMJamesEBachmanhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/articles/NEAM-Five-Year-US-Treasury-Maximum-Total-Return-Drawdowns-1962-2014.pngNEAMFiveYearUSTreasuryMaximumTotalReturnDrawdowns19622014NEAMFiveYearUSTreasuryMaximumTotalReturnDrawdowns19622014https://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterR2016-04-13https://www.neamgroup.com/insights/key-investor-informationhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORS2017-04-20https://www.neamgroup.com/insights/fhlb-update-in-these-uncertain-timeshttps://www.neamgroup.com/hubfs/articles/2020/Quick%20Takes%20-%20FHLB%20Update%20in%20Uncertain%20Times/NEAMgroup-FHLB_Insurance_Company_Advances.jpgNEAMgroupFHLBInsuranceCompanyAdvancesNEAMgroupFHLBInsuranceCompanyAdvanceshttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/articles/2017/Quick%20Takes%20-%20FHLB%202017/FHLB.jpgFHLBFHLBhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/Authors/NEAM-Charlene-Fischler.pngNEAMCharleneFischlerNEAMCharleneFischlerhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/articles/2020/Quick%20Takes%20-%20FHLB%20Update%20in%20Uncertain%20Times/NEAMgroup-FHLB_Insurance_Company_Members.jpgNEAMgroupFHLBInsuranceCompanyMembersNEAMgroupFHLBInsuranceCompanyMembers2020-05-05https://www.neamgroup.com/insights/theres-a-new-sheriff-in-town-now-whathttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/NEAM-James-E-Bachman.pngNEAMJamesEBachmanNEAMJamesEBachmanhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/articles/2017/Perspectives%20-%20New%20Sheriff/NEAM-Group-Optimal-portfolio-varying-tax-rates-and-reflecting-fixed-income-price-depreciation.jpgNEAMGroupOptimalportfoliovaryingtaxratesandreflectingfixedincomepricedepreciationNEAMGroupOptimalportfoliovaryingtaxratesandreflectingfixedincomepricedepreciationhttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/newsheriff.jpgnewsheriffnewsheriffhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2017/Perspectives%20-%20New%20Sheriff/NEAM-Group-After-tax-industry-book-yields-BY-and-current-market-yields-MY.jpgNEAMGroupAftertaxindustrybookyieldsBYandcurrentmarketyieldsMYNEAMGroupAftertaxindustrybookyieldsBYandcurrentmarketyieldsMYhttps://www.neamgroup.com/hubfs/articles/2017/Perspectives%20-%20New%20Sheriff/NEAM-Group-table-Optimal-portfolio-configuration-at-35%25-and-20%25-tax-rates.jpgNEAMGrouptableOptimalportfolioconfigurationat35and20taxratesNEAMGrouptableOptimalportfolioconfigurationat35and20taxrateshttps://www.neamgroup.com/hubfs/articles/2017/Perspectives%20-%20New%20Sheriff/NEAM-Group-table-Optimal-portfolio-configuration-based-upon-2015-PC-industry-holdings.jpgNEAMGrouptableOptimalportfolioconfigurationbasedupon2015PCindustryholdingsNEAMGrouptableOptimalportfolioconfigurationbasedupon2015PCindustryholdingshttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdown2017-01-24https://www.neamgroup.com/insights/trade-winds-july-2024https://www.neamgroup.com/hubfs/articles/2024/Trade%20Winds%20-%20July%202024/NEAMgroup_04_july2024.jpgNEAMgroup04july2024NEAMgroup04july2024https://www.neamgroup.com/hubfs/articles/2024/Trade%20Winds%20-%20July%202024/NEAMgroup_08_july2024.jpgNEAMgroup08july2024NEAMgroup08july2024https://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/articles/2024/Trade%20Winds%20-%20July%202024/NEAMgroup_07_july2024.jpgNEAMgroup07july2024NEAMgroup07july2024https://www.neamgroup.com/hubfs/articles/tradewinds.jpgtradewindstradewindshttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/articles/2024/Trade%20Winds%20-%20July%202024/NEAMgroup_03_july2024.jpgNEAMgroup03july2024NEAMgroup03july2024https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/articles/2024/Trade%20Winds%20-%20July%202024/NEAMgroup_05_july2024.jpgNEAMgroup05july2024NEAMgroup05july2024https://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/Authors/Coley-Lynch.pngColeyLynchColeyLynchhttps://www.neamgroup.com/hubfs/articles/2024/Trade%20Winds%20-%20July%202024/NEAMgroup_02_july2024.jpgNEAMgroup02july2024NEAMgroup02july2024https://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/articles/2024/Trade%20Winds%20-%20July%202024/NEAMgroup_01_july2024.jpgNEAMgroup01july2024NEAMgroup01july2024https://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/articles/2024/Trade%20Winds%20-%20July%202024/NEAMgroup_06_july2024.jpgNEAMgroup06july2024NEAMgroup06july20242024-07-11https://www.neamgroup.com/insights/pairing-the-unknown-liability-correlations-and-asset-allocationhttps://www.neamgroup.com/hubfs/articles/2017/Perspectives%20-%20Liability%20Correlation%20Study/NEAM-Group-Most-positively-correlated-pairs.pngNEAMGroupMostpositivelycorrelatedpairsNEAMGroupMostpositivelycorrelatedpairshttps://www.neamgroup.com/hubfs/articles/2017/Perspectives%20-%20Liability%20Correlation%20Study/NEAM-Group-Average-combined-ratio-correlated-pairs.pngNEAMGroupAveragecombinedratiocorrelatedpairsNEAMGroupAveragecombinedratiocorrelatedpairshttps://www.neamgroup.com/hubfs/pairingtheunknown.jpgpairingtheunknownpairingtheunknownhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2017/Perspectives%20-%20Liability%20Correlation%20Study/NEAM-Group-Rolling%2010-year-correlations.pngNEAMGroupRolling10yearcorrelationsNEAMGroupRolling10yearcorrelationshttps://www.neamgroup.com/hubfs/articles/2017/Perspectives%20-%20Liability%20Correlation%20Study/NEAM-Group-Summary-accident-year-correlated-product-line-pairs.pngNEAMGroupSummaryaccidentyearcorrelatedproductlinepairsNEAMGroupSummaryaccidentyearcorrelatedproductlinepairshttps://www.neamgroup.com/hubfs/articles/2017/Perspectives%20-%20Liability%20Correlation%20Study/NEAM-Group-Notable-lines-where-Pearsons-paired-correlations-changed-meaningfully.pngNEAMGroupNotablelineswherePearsonspairedcorrelationschangedmeaningfullyNEAMGroupNotablelineswherePearsonspairedcorrelationschangedmeaningfullyhttps://www.neamgroup.com/hubfs/Authors/Chris-Myers.pngChrisMyersChrisMyershttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/articles/2017/Perspectives%20-%20Liability%20Correlation%20Study/NEAM-Group-Annual-Calendar-year-ratio.pngNEAMGroupAnnualCalendaryearratioNEAMGroupAnnualCalendaryearratiohttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/articles/2017/Perspectives%20-%20Liability%20Correlation%20Study/NEAM-Group-Underwriting-assumptions-for-enterprise-based-asset-allocation.pngNEAMGroupUnderwritingassumptionsforenterprisebasedassetallocationNEAMGroupUnderwritingassumptionsforenterprisebasedassetallocationhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/articles/2017/Perspectives%20-%20Liability%20Correlation%20Study/NEAM-Group-Enterprise-based-asset-allocation-summary-output.pngNEAMGroupEnterprisebasedassetallocationsummaryoutputNEAMGroupEnterprisebasedassetallocationsummaryoutputhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORS2017-10-25https://www.neamgroup.com/insights/cable-disruptionshttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/Authors/NEAM-Andy-Brown.pngNEAMAndyBrownNEAMAndyBrownhttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/articles/Cable-Video-High-Speed-Data-and-Netflix-Subscribers-Quarterly.jpgCableVideoHighSpeedDataandNetflixSubscribersQuarterlyCableVideoHighSpeedDataandNetflixSubscribersQuarterlyhttps://www.neamgroup.com/hubfs/articles/cable.jpgcablecablehttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/articles/Home-Video-and-Broadband-Subscriber-Trends.jpgHomeVideoandBroadbandSubscriberTrendsHomeVideoandBroadbandSubscriberTrendshttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydown2016-07-22https://www.neamgroup.com/insights/single-security-initiative-for-agency-mortgage-backed-securitieshttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/Authors/NEAM-Jennifer-Quisenberry.pngNEAMJenniferQuisenberryNEAMJenniferQuisenberryhttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2018/Quick%20Takes%20-%20Single%20Security%20-%20UMBS/NEAMgroup-fannie-v-freddie-prepayments-converging.jpgNEAMgroupfannievfreddieprepaymentsconvergingNEAMgroupfannievfreddieprepaymentsconverginghttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/articles/2018/Quick%20Takes%20-%20Single%20Security%20-%20UMBS/NEAMgroup-key-features-of-the-UMBS.jpgNEAMgroupkeyfeaturesoftheUMBSNEAMgroupkeyfeaturesoftheUMBShttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/articles/2018/Quick%20Takes%20-%20Single%20Security%20-%20UMBS/ssi.jpgssissihttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2018/Quick%20Takes%20-%20Single%20Security%20-%20UMBS/NEAMgroup-price-differential-fannie-mae-v-freddie-mac-MBS.jpgNEAMgrouppricedifferentialfanniemaevfreddiemacMBSNEAMgrouppricedifferentialfanniemaevfreddiemacMBS2018-09-10https://www.neamgroup.com/insights/vulnerabilities-in-emerging-markets-a-simmering-cauldron-or-bubbling-overhttps://www.neamgroup.com/hubfs/articles/2022/Quick%20Takes%20-%20Vulnerabilities%20in%20Emerging%20Market/emvulnerabilities.jpgemvulnerabilitiesemvulnerabilitieshttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/articles/2022/Quick%20Takes%20-%20Vulnerabilities%20in%20Emerging%20Market/NEAMgroup_dollar_denominated_emerging_market_debt.jpgNEAMgroupdollardenominatedemergingmarketdebtNEAMgroupdollardenominatedemergingmarketdebthttps://www.neamgroup.com/hubfs/articles/2022/Quick%20Takes%20-%20Vulnerabilities%20in%20Emerging%20Market/NEAMgroup_breakdown_liabilities_financing_chinese_real_estate_firms.jpgNEAMgroupbreakdownliabilitiesfinancingchineserealestatefirmsNEAMgroupbreakdownliabilitiesfinancingchineserealestatefirmshttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2022/Quick%20Takes%20-%20Vulnerabilities%20in%20Emerging%20Market/NEAMgroup_vicious_circle_china_realestate.jpgNEAMgroupviciouscirclechinarealestateNEAMgroupviciouscirclechinarealestatehttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/Authors/NEAM-Jennifer-Quisenberry.pngNEAMJenniferQuisenberryNEAMJenniferQuisenberryhttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydown2022-10-04https://www.neamgroup.com/insights/u.s.-higher-education-covid-19-is-social-distancing-a-game-changerhttps://www.neamgroup.com/hubfs/articles/2020/Quick%20Takes%20-%20Higher%20Education/highereducation.jpghighereducationhighereducationhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2020/Quick%20Takes%20-%20Higher%20Education/NEAMgroup_higher_education_closures_consolidations.jpgNEAMgrouphighereducationclosuresconsolidationsNEAMgrouphighereducationclosuresconsolidationshttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/articles/2020/Quick%20Takes%20-%20Higher%20Education/NEAMgroup_degree_granting_post_secondary_institutions_that_have_closed.jpgNEAMgroupdegreegrantingpostsecondaryinstitutionsthathaveclosedNEAMgroupdegreegrantingpostsecondaryinstitutionsthathaveclosedhttps://www.neamgroup.com/hubfs/articles/2020/Quick%20Takes%20-%20Higher%20Education/NEAMgroup_index_cumulative_returns.jpgNEAMgroupindexcumulativereturnsNEAMgroupindexcumulativereturnshttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/articles/2020/Quick%20Takes%20-%20Higher%20Education/NEAMgroup_yield_to_worst.jpgNEAMgroupyieldtoworstNEAMgroupyieldtoworsthttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2020/Quick%20Takes%20-%20Higher%20Education/NEAMgroup_number_of_US_higher_education_institutions.jpgNEAMgroupnumberofUShighereducationinstitutionsNEAMgroupnumberofUShighereducationinstitutionshttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/Authors/Sean-T-Coughlin.pngSeanTCoughlinSeanTCoughlinhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTop2020-09-23https://www.neamgroup.com/insights/the-augmented-agehttps://www.neamgroup.com/hubfs/articles/2017/Outlook%20-%20Equity%203Q%202017/NEAM-group-volatility-has-fallenb-for-technology-platform-players.jpgNEAMgroupvolatilityhasfallenbfortechnologyplatformplayersNEAMgroupvolatilityhasfallenbfortechnologyplatformplayershttps://www.neamgroup.com/hubfs/articles/2017/Outlook%20-%20Equity%203Q%202017/NEAM-group-US-Historical-Productivity.jpgNEAMgroupUSHistoricalProductivityNEAMgroupUSHistoricalProductivityhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/Authors/Michele-Matzinger.pngMicheleMatzingerMicheleMatzingerhttps://www.neamgroup.com/hubfs/articles/2017/Outlook%20-%20Equity%203Q%202017/augmentedage.jpgaugmentedageaugmentedagehttps://www.neamgroup.com/hubfs/articles/2017/Outlook%20-%20Equity%203Q%202017/NEAM-group-technology-as-a-percent-of-the-S&P500.jpgNEAMgrouptechnologyasapercentoftheSP500NEAMgrouptechnologyasapercentoftheSP500https://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterR2020-05-19https://www.neamgroup.com/insights/exploring-the-relevance-of-asset-liability-duration-matching-in-pc-companies-myth-or-musthttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/articles/2025/Perspectives%20-%20Exploring%20the%20Relevance%20of%20ALM%20PC/NEAMgroup_02_distribution_fixed_income_loss_reserves.jpgNEAMgroup02distributionfixedincomelossreservesNEAMgroup02distributionfixedincomelossreserveshttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/articles/2025/Perspectives%20-%20Exploring%20the%20Relevance%20of%20ALM%20PC/NEAMgroup_05_fixed_income_oad_vs_reserve_duration_commercial_med_mal.jpgNEAMgroup05fixedincomeoadvsreservedurationcommercialmedmalNEAMgroup05fixedincomeoadvsreservedurationcommercialmedmalhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/articles/2025/Perspectives%20-%20Exploring%20the%20Relevance%20of%20ALM%20PC/almpc.jpgalmpcalmpchttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/articles/2025/Perspectives%20-%20Exploring%20the%20Relevance%20of%20ALM%20PC/NEAMgroup_01_pc_investment_leverage.jpgNEAMgroup01pcinvestmentleverageNEAMgroup01pcinvestmentleveragehttps://www.neamgroup.com/hubfs/articles/2025/Perspectives%20-%20Exploring%20the%20Relevance%20of%20ALM%20PC/NEAMgroup_04_dollar_duration_fixed_income_reserves.jpgNEAMgroup04dollardurationfixedincomereservesNEAMgroup04dollardurationfixedincomereserveshttps://www.neamgroup.com/hubfs/Authors/Mark-Yu.pngMarkYuMarkYuhttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/articles/2025/Perspectives%20-%20Exploring%20the%20Relevance%20of%20ALM%20PC/NEAMgroup_03_fixed_income_oad_vs_reserve_duration_all_lines.jpgNEAMgroup03fixedincomeoadvsreservedurationalllinesNEAMgroup03fixedincomeoadvsreservedurationalllineshttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydown2025-02-19https://www.neamgroup.com/insights/returns-and-yields-2016https://www.neamgroup.com/hubfs/articles/Treasury-Yields-and-Corporate-Spreads.jpgTreasuryYieldsandCorporateSpreadsTreasuryYieldsandCorporateSpreadshttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/articles/NEAM-Exhibit-4-One-Year-Projected-Total-Return-Distribution-and-Risk-Measures-1.pngNEAMExhibit4OneYearProjectedTotalReturnDistributionandRiskMeasures1NEAMExhibit4OneYearProjectedTotalReturnDistributionandRiskMeasures1https://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/articles/NEAM-Exhibit-3-Projected-Returns-for-Various-Rate-and-Spread-Scenarios-1.pngNEAMExhibit3ProjectedReturnsforVariousRateandSpreadScenarios1NEAMExhibit3ProjectedReturnsforVariousRateandSpreadScenarios1https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/Authors/Vin-Delucia.pngVinDeluciaVinDeluciahttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/articles/NEAM-Exhibit-2-2016-P-C-Industry-Approximate-Sector-Allocation.pngNEAMExhibit22016PCIndustryApproximateSectorAllocationNEAMExhibit22016PCIndustryApproximateSectorAllocationhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/articles/NEAM-Exhibit-1-Treasury-Yields-and-Corporate-Spreads-Year-Over-Year-Change.pngNEAMExhibit1TreasuryYieldsandCorporateSpreadsYearOverYearChangeNEAMExhibit1TreasuryYieldsandCorporateSpreadsYearOverYearChangehttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORS2016-04-13https://www.neamgroup.com/insights/layering-enterprise-risk-preferences-rewardshttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2023/Perspectives%20-%20Layering%20Enterprise%20Risk/NEAMgroup_03_returns_risk_Estimates_leverage_insurers.jpgNEAMgroup03returnsriskEstimatesleverageinsurersNEAMgroup03returnsriskEstimatesleverageinsurershttps://www.neamgroup.com/hubfs/articles/2023/Perspectives%20-%20Layering%20Enterprise%20Risk/layeringrisk.jpglayeringrisklayeringriskhttps://www.neamgroup.com/hubfs/articles/2023/Perspectives%20-%20Layering%20Enterprise%20Risk/NEAMgroup_02_risk_capacity_utlization_layers.jpgNEAMgroup02riskcapacityutlizationlayersNEAMgroup02riskcapacityutlizationlayershttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/Authors/Chris-Myers.pngChrisMyersChrisMyershttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/articles/2023/Perspectives%20-%20Layering%20Enterprise%20Risk/NEAMgroup_01_driving_factors.jpgNEAMgroup01drivingfactorsNEAMgroup01drivingfactors2023-02-27https://www.neamgroup.com/insights/election-2020-let-the-games-beginhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2020/Quick%20Takes%20-%20Election%202020/NEAMgroup_US_presidential_race_average_of_US_Polls.jpgNEAMgroupUSpresidentialraceaverageofUSPollsNEAMgroupUSpresidentialraceaverageofUSPollshttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/Authors/Vin-Delucia.pngVinDeluciaVinDeluciahttps://www.neamgroup.com/hubfs/articles/2020/Quick%20Takes%20-%20Election%202020/NEAMgroup_pe_by_industry_trailing_earnings.jpgNEAMgrouppebyindustrytrailingearningsNEAMgrouppebyindustrytrailingearningshttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/articles/2020/Quick%20Takes%20-%20Election%202020/NEAMgroup_US_presidential_race_betting_odds_trump_v_biden.jpgNEAMgroupUSpresidentialracebettingoddstrumpvbidenNEAMgroupUSpresidentialracebettingoddstrumpvbidenhttps://www.neamgroup.com/hubfs/articles/2020/Quick%20Takes%20-%20Election%202020/election2020.jpgelection2020election2020https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdown2020-10-14https://www.neamgroup.com/insights/the-european-securitization-solvency-ii-sagahttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/articles/NEAM-Chart-2-Spread-Risk-Factor-by-Credit-Quality-Step-Standard-Model.pngNEAMChart2SpreadRiskFactorbyCreditQualityStepStandardModelNEAMChart2SpreadRiskFactorbyCreditQualityStepStandardModelhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/articles/NEAM-Europe-Securitization-Outstanding.jpgNEAMEuropeSecuritizationOutstandingNEAMEuropeSecuritizationOutstandinghttps://www.neamgroup.com/hubfs/Authors/John-Loughrey-Ph-D.pngJohnLoughreyPhDJohnLoughreyPhDhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/articles/NEAM-Chart-1-Europe-Securitisation-Outstanding-in-USD-Billions.pngNEAMChart1EuropeSecuritisationOutstandinginUSDBillionsNEAMChart1EuropeSecuritisationOutstandinginUSDBillionshttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORS2016-04-13https://www.neamgroup.com/insights/an-uneven-landscape-fraternal-insurers-investment-trendshttps://www.neamgroup.com/hubfs/articles/2025/Perspectives%20-%20Fraternals%202024%20data/NEAMgroup_comparison_fixed_income_sector_allocation.jpgNEAMgroupcomparisonfixedincomesectorallocationNEAMgroupcomparisonfixedincomesectorallocationhttps://www.neamgroup.com/hubfs/articles/2025/Perspectives%20-%20Fraternals%202024%20data/NEAMgroup_net_investment_income.jpgNEAMgroupnetinvestmentincomeNEAMgroupnetinvestmentincomehttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/articles/2025/Perspectives%20-%20Fraternals%202024%20data/NEAMgroup_invested_assets_Sector_composition.jpgNEAMgroupinvestedassetsSectorcompositionNEAMgroupinvestedassetsSectorcompositionhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/articles/2025/Perspectives%20-%20Fraternals%202024%20data/NEAMgroup_schedule_BA_asset_holdings_gross_earned_investment_income.jpgNEAMgroupscheduleBAassetholdingsgrossearnedinvestmentincomeNEAMgroupscheduleBAassetholdingsgrossearnedinvestmentincomehttps://www.neamgroup.com/hubfs/articles/2025/Perspectives%20-%20Fraternals%202024%20data/NEAMgroup_gross_earned_investment_income_contribution.jpgNEAMgroupgrossearnedinvestmentincomecontributionNEAMgroupgrossearnedinvestmentincomecontributionhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/articles/2025/Perspectives%20-%20Fraternals%202024%20data/NEAMgroup_fixed_income_credit_quality.jpgNEAMgroupfixedincomecreditqualityNEAMgroupfixedincomecreditqualityhttps://www.neamgroup.com/hubfs/articles/2025/Perspectives%20-%20Fraternals%202024%20data/fraternals2024.jpgfraternals2024fraternals2024https://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/articles/2025/Perspectives%20-%20Fraternals%202024%20data/NEAMgroup_reserves_breakdown_lob_2024.jpgNEAMgroupreservesbreakdownlob2024NEAMgroupreservesbreakdownlob2024https://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/articles/2025/Perspectives%20-%20Fraternals%202024%20data/NEAMgroup_comparison_fixed_income_portfolio_BY.jpgNEAMgroupcomparisonfixedincomeportfolioBYNEAMgroupcomparisonfixedincomeportfolioBYhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/articles/2025/Perspectives%20-%20Fraternals%202024%20data/NEAMgroup_comparison_fixed_income_portfolio_OAD.jpgNEAMgroupcomparisonfixedincomeportfolioOADNEAMgroupcomparisonfixedincomeportfolioOADhttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/articles/2025/Perspectives%20-%20Fraternals%202024%20data/NEAMgroup_comparison_fixed_income_allocation_BY.jpgNEAMgroupcomparisonfixedincomeallocationBYNEAMgroupcomparisonfixedincomeallocationBYhttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/articles/2025/Perspectives%20-%20Fraternals%202024%20data/NEAMgroup_surplus_invested_assets_premium_reserves_2024.jpgNEAMgroupsurplusinvestedassetspremiumreserves2024NEAMgroupsurplusinvestedassetspremiumreserves2024https://www.neamgroup.com/hubfs/Authors/NEAM-phil-lee.pngNEAMphilleeNEAMphillee2025-11-05https://www.neamgroup.com/insights/evolving-correlations-implications-to-risk-return-asset-allocationhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/articles/2026/Perspectives%20-%20Evolving%20Correlations/NEAMgroup_04_notable_baseline_financial_projections.jpgNEAMgroup04notablebaselinefinancialprojectionsNEAMgroup04notablebaselinefinancialprojectionshttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/articles/2026/Perspectives%20-%20Evolving%20Correlations/NEAMgroup_B3_appendix.jpgNEAMgroupB3appendixNEAMgroupB3appendixhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/articles/2026/Perspectives%20-%20Evolving%20Correlations/NEAMgroup_02_statistical_differences.jpgNEAMgroup02statisticaldifferencesNEAMgroup02statisticaldifferenceshttps://www.neamgroup.com/hubfs/Authors/Chris-Myers.pngChrisMyersChrisMyershttps://www.neamgroup.com/hubfs/articles/2026/Perspectives%20-%20Evolving%20Correlations/evolving%20correlations.jpgevolvingcorrelationsevolvingcorrelationshttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/articles/2026/Perspectives%20-%20Evolving%20Correlations/NEAMgroup_A_appendix.jpgNEAMgroupAappendixNEAMgroupAappendixhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/articles/2026/Perspectives%20-%20Evolving%20Correlations/NEAMgroup_B2_appendix.jpgNEAMgroupB2appendixNEAMgroupB2appendixhttps://www.neamgroup.com/hubfs/articles/2026/Perspectives%20-%20Evolving%20Correlations/NEAMgroup_01_pearson_correlation_coefficients.jpgNEAMgroup01pearsoncorrelationcoefficientsNEAMgroup01pearsoncorrelationcoefficientshttps://www.neamgroup.com/hubfs/articles/2026/Perspectives%20-%20Evolving%20Correlations/NEAMgroup_05_results_ebaa_holistic_strategy.jpgNEAMgroup05resultsebaaholisticstrategyNEAMgroup05resultsebaaholisticstrategyhttps://www.neamgroup.com/hubfs/articles/2026/Perspectives%20-%20Evolving%20Correlations/NEAMgroup_03_correlation_matrix.jpgNEAMgroup03correlationmatrixNEAMgroup03correlationmatrixhttps://www.neamgroup.com/hubfs/articles/2026/Perspectives%20-%20Evolving%20Correlations/NEAMgroup_B1_appendix.jpgNEAMgroupB1appendixNEAMgroupB1appendix2026-02-24https://www.neamgroup.com/insights/globalization-and-inflation-how-many-tentacles-does-an-octopus-havehttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/Authors/NEAM-Jennifer-Quisenberry.pngNEAMJenniferQuisenberryNEAMJenniferQuisenberryhttps://www.neamgroup.com/hubfs/articles/2022/Quick%20Takes%20-%20Globalization%20and%20Inflation/globalinflation.jpgglobalinflationglobalinflationhttps://www.neamgroup.com/hubfs/articles/2022/Quick%20Takes%20-%20Globalization%20and%20Inflation/NEAMgroup_inflation.jpgNEAMgroupinflationNEAMgroupinflationhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/articles/2022/Quick%20Takes%20-%20Globalization%20and%20Inflation/NEAMgroup_global_trade_as_percent_GDP.jpgNEAMgroupglobaltradeaspercentGDPNEAMgroupglobaltradeaspercentGDPhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/articles/2022/Quick%20Takes%20-%20Globalization%20and%20Inflation/NEAMgroup_manufacturing_imports_share_of_domestic_manufacturing_gross_output.jpgNEAMgroupmanufacturingimportsshareofdomesticmanufacturinggrossoutputNEAMgroupmanufacturingimportsshareofdomesticmanufacturinggrossoutput2022-05-09https://www.neamgroup.com/insights/2023-life-industry-investment-highlights-heading-in-the-right-directionhttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/articles/2024/Perspectives%20-%20Life%20Highlights/NEAM_group_T04_Life_Highlights.jpgNEAMgroupT04LifeHighlightsNEAMgroupT04LifeHighlightshttps://www.neamgroup.com/hubfs/articles/2024/Perspectives%20-%20Life%20Highlights/NEAM_group_T01_Life_Highlights.jpgNEAMgroupT01LifeHighlightsNEAMgroupT01LifeHighlightshttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/articles/2024/Perspectives%20-%20Life%20Highlights/NEAM_group_C03_Life_Highlights.jpgNEAMgroupC03LifeHighlightsNEAMgroupC03LifeHighlightshttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/articles/2024/Perspectives%20-%20Life%20Highlights/NEAM_group_T02_Life_Highlights.jpgNEAMgroupT02LifeHighlightsNEAMgroupT02LifeHighlightshttps://www.neamgroup.com/hubfs/articles/2024/Perspectives%20-%20Life%20Highlights/NEAM_group_T03_Life_Highlights.jpgNEAMgroupT03LifeHighlightsNEAMgroupT03LifeHighlightshttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/Authors/Mark-Yu.pngMarkYuMarkYuhttps://www.neamgroup.com/hubfs/articles/2024/Perspectives%20-%20Life%20Highlights/NEAM_group_C02_Life_Highlights.jpgNEAMgroupC02LifeHighlightsNEAMgroupC02LifeHighlightshttps://www.neamgroup.com/hubfs/articles/2024/Perspectives%20-%20Life%20Highlights/life2023data.jpglife2023datalife2023datahttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2024/Perspectives%20-%20Life%20Highlights/NEAM_group_T06_Life_Highlights.jpgNEAMgroupT06LifeHighlightsNEAMgroupT06LifeHighlightshttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/articles/2024/Perspectives%20-%20Life%20Highlights/NEAM_group_C01_Life_Highlights.jpgNEAMgroupC01LifeHighlightsNEAMgroupC01LifeHighlightshttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2024/Perspectives%20-%20Life%20Highlights/NEAM_group_T05_Life_Highlights.jpgNEAMgroupT05LifeHighlightsNEAMgroupT05LifeHighlights2024-07-18https://www.neamgroup.com/thank-you/non-ushttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterR2016-06-14https://www.neamgroup.com/insights/esg-labeled-bonds-looking-beyond-the-labelhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/articles/2022/Quick%20Takes%20-%20Beyond%20ESG%20Label/NEAMgroup_sidebar_sustainability_linked_bonds.jpgNEAMgroupsidebarsustainabilitylinkedbondsNEAMgroupsidebarsustainabilitylinkedbondshttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2022/Quick%20Takes%20-%20Beyond%20ESG%20Label/NEAMgroup_average_borrower_comparison.jpgNEAMgroupaverageborrowercomparisonNEAMgroupaverageborrowercomparisonhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/Authors/NEAM-Robb-Barnum.pngNEAMRobbBarnumNEAMRobbBarnumhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/articles/2022/Quick%20Takes%20-%20Beyond%20ESG%20Label/beyondESG.jpgbeyondESGbeyondESGhttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenu2022-01-10https://www.neamgroup.com/insights/unintended-consequenceshttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/NEAM-Calvin-Clark-Jr.pngNEAMCalvinClarkJrNEAMCalvinClarkJrhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/articles/2021/Quick%20Takes%20-%20Unintended%20Consequences/NEAMgroup_amount_raised_via_spacs.jpgNEAMgroupamountraisedviaspacsNEAMgroupamountraisedviaspacshttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/articles/2021/Quick%20Takes%20-%20Unintended%20Consequences/NEAMgroup_gamestop.jpgNEAMgroupgamestopNEAMgroupgamestophttps://www.neamgroup.com/hubfs/articles/2021/Quick%20Takes%20-%20Unintended%20Consequences/NEAMgroup_price_of_bitcoin.jpgNEAMgrouppriceofbitcoinNEAMgrouppriceofbitcoinhttps://www.neamgroup.com/hubfs/articles/2021/Quick%20Takes%20-%20Unintended%20Consequences/unintendedconsequences.jpgunintendedconsequencesunintendedconsequences2021-03-23https://www.neamgroup.com/headings-horizons/a-us-videohttps://www.neamgroup.com/hubfs/assets/videos/WeAreNEAM_60_FINAL.mp4/medium.jpgWeAreNEAM_60_FINALWeAreNEAM_60_FINALhttps://www.neamgroup.com/hubfs/assets/videos/WeAreNEAM_60_FINAL.mp460nonohttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/custom-video-thumbnails/NEAM%20Partnership%20At%20Work-1-thumb-2.jpegNEAMPartnershipAtWork1thumb2NEAMPartnershipAtWork1thumb2https://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowus2022-10-21https://www.neamgroup.com/insights/2023-pc-industry-investment-highlights-treading-the-upward-pathhttps://www.neamgroup.com/hubfs/articles/2024/Perspectives%20-%20PC%20Highlights/NEAMgroup_C04_PC_highlights.jpgNEAMgroupC04PChighlightsNEAMgroupC04PChighlightshttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/Authors/Mark-Yu.pngMarkYuMarkYuhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/articles/2024/Perspectives%20-%20PC%20Highlights/pc2023data.jpgpc2023datapc2023datahttps://www.neamgroup.com/hubfs/articles/2024/Perspectives%20-%20PC%20Highlights/NEAMgroup_C02_PC_highlights.jpgNEAMgroupC02PChighlightsNEAMgroupC02PChighlightshttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/articles/2024/Perspectives%20-%20PC%20Highlights/NEAMgroup_T05_PC_highlights.jpgNEAMgroupT05PChighlightsNEAMgroupT05PChighlightshttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/articles/2024/Perspectives%20-%20PC%20Highlights/NEAMgroup_T04_PC_highlights.jpgNEAMgroupT04PChighlightsNEAMgroupT04PChighlightshttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2024/Perspectives%20-%20PC%20Highlights/NEAMgroup_C01_PC_highlights.jpgNEAMgroupC01PChighlightsNEAMgroupC01PChighlightshttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2024/Perspectives%20-%20PC%20Highlights/NEAMgroup_T01_PC_highlights.jpgNEAMgroupT01PChighlightsNEAMgroupT01PChighlightshttps://www.neamgroup.com/hubfs/articles/2024/Perspectives%20-%20PC%20Highlights/NEAMgroup_C03_PC_highlights.jpgNEAMgroupC03PChighlightsNEAMgroupC03PChighlightshttps://www.neamgroup.com/hubfs/articles/2024/Perspectives%20-%20PC%20Highlights/NEAMgroup_T03_PC_highlights.jpgNEAMgroupT03PChighlightsNEAMgroupT03PChighlightshttps://www.neamgroup.com/hubfs/articles/2024/Perspectives%20-%20PC%20Highlights/NEAMgroup_T02_PC_highlights.jpgNEAMgroupT02PChighlightsNEAMgroupT02PChighlightshttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydown2025-06-23https://www.neamgroup.com/insights/investment-capital-charges-serving-many-masters-who-matters-to-youhttps://www.neamgroup.com/hubfs/articles/2017/Perspectives%20-%20Capital%20Charges/NEAM-group-2015-PC-industry-investment-portfolio-sector-credit-quality-and-capital-charges.jpgNEAMgroup2015PCindustryinvestmentportfoliosectorcreditqualityandcapitalchargesNEAMgroup2015PCindustryinvestmentportfoliosectorcreditqualityandcapitalchargeshttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/articles/2017/Perspectives%20-%20Capital%20Charges/NEAM-group-2015-pc-industrys-larges-10-entities-capital-charge-rank-order-across-regimes.jpgNEAMgroup2015pcindustryslarges10entitiescapitalchargerankorderacrossregimesNEAMgroup2015pcindustryslarges10entitiescapitalchargerankorderacrossregimeshttps://www.neamgroup.com/hubfs/articles/2017/Perspectives%20-%20Capital%20Charges/NEAM-group-benchmarked-portfolios-and-their-capital-charges-across-regimes.jpgNEAMgroupbenchmarkedportfoliosandtheircapitalchargesacrossregimesNEAMgroupbenchmarkedportfoliosandtheircapitalchargesacrossregimeshttps://www.neamgroup.com/hubfs/articles/2017/Perspectives%20-%20Capital%20Charges/NEAM-group-comparsion-of-capital-charges-under-solvency-II-and-the-SandP-insurance-capital-model.jpgNEAMgroupcomparsionofcapitalchargesundersolvencyIIandtheSandPinsurancecapitalmodelNEAMgroupcomparsionofcapitalchargesundersolvencyIIandtheSandPinsurancecapitalmodelhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2017/Perspectives%20-%20Capital%20Charges/NEAM-group-comparsion-of-relative-ranking-differences-under-solvency-II-v-SandP-insurance-capital-model.jpgNEAMgroupcomparsionofrelativerankingdifferencesundersolvencyIIvSandPinsurancecapitalmodelNEAMgroupcomparsionofrelativerankingdifferencesundersolvencyIIvSandPinsurancecapitalmodelhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/articles/2017/Perspectives%20-%20Capital%20Charges/NEAM-group-comparison-of-relative-ranking-differences-under-different-am-best-stochastic-based-approaches.jpgNEAMgroupcomparisonofrelativerankingdifferencesunderdifferentambeststochasticbasedapproachesNEAMgroupcomparisonofrelativerankingdifferencesunderdifferentambeststochasticbasedapproacheshttps://www.neamgroup.com/hubfs/articles/2017/Perspectives%20-%20Capital%20Charges/NEAM-group-comparison-of-capital-charges-and-their-rank-order-under-different-am-best-approaches.jpgNEAMgroupcomparisonofcapitalchargesandtheirrankorderunderdifferentambestapproachesNEAMgroupcomparisonofcapitalchargesandtheirrankorderunderdifferentambestapproacheshttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/articles/2017/Perspectives%20-%20Capital%20Charges/capitalcharges.jpgcapitalchargescapitalchargeshttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/NEAM-James-E-Bachman.pngNEAMJamesEBachmanNEAMJamesEBachmanhttps://www.neamgroup.com/hubfs/articles/2017/Perspectives%20-%20Capital%20Charges/NEAM-group-2015-PC-industry-investment-portfolio-sector-credit-quality-capital-charges-rates.jpgNEAMgroup2015PCindustryinvestmentportfoliosectorcreditqualitycapitalchargesratesNEAMgroup2015PCindustryinvestmentportfoliosectorcreditqualitycapitalchargesrateshttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTop2017-01-10https://www.neamgroup.com/media-center/interview-with-bests-review-chip-clark-on-volatile-investment-environmentshttps://www.neamgroup.com/hubfs/assets/videos/Issues%20&%20Answers%20NEAM%20Chip%20Clark%20-June%202020.mp4/medium.jpgIssues & Answers NEAM Chip Clark -June 2020Issues & Answers NEAM Chip Clark -June 2020https://www.neamgroup.com/hubfs/assets/videos/Issues%20&%20Answers%20NEAM%20Chip%20Clark%20-June%202020.mp4346nonohttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-logo-footer.pngNEAMLogoimglogofooterhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMR2021-02-04https://www.neamgroup.com/communityhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/NEAM%20Gives%20Back/linkedin%20-%20buddy%20bash%202024%20-%20bw.jpglinkedinbuddybash2024bwlinkedinbuddybash2024bwhttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/NEAM%20Gives%20Back/neamgivesback.jpgneamgivesbackneamgivesbackhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/NEAM%20Gives%20Back/BGCH%20great%20futures%20golf%202024%20-%20BW.jpgBGCHgreatfuturesgolf2024BWBGCHgreatfuturesgolf2024BWhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/BGCH%20Reality%20Store%202025.jpgBGCHRealityStore2025BGCHRealityStore2025https://www.neamgroup.com/hubfs/NEAM%20Gives%20Back/BGCH%20Great%20Futures%202024%20-%20BW.jpgBGCHGreatFutures2024BWBGCHGreatFutures2024BWhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowus2025-04-11https://www.neamgroup.com/insurance-solutions2025-11-12https://www.neamgroup.com/insights/highlightshttps://www.neamgroup.com/hubfs/NEAM-James-E-Bachman.pngNEAMJamesEBachmanNEAMJamesEBachmanhttps://www.neamgroup.com/hubfs/articles/2018/Perspectives%20-%20PC%20Investment%20Highlights/NEAMgroup-industry-market-leaders-in-underwriting-performance.jpgNEAMgroupindustrymarketleadersinunderwritingperformanceNEAMgroupindustrymarketleadersinunderwritingperformancehttps://www.neamgroup.com/hubfs/articles/2018/Perspectives%20-%20PC%20Investment%20Highlights/NEAMgroup-risk-asset-distribution-including-and-excluding-affiliates.jpgNEAMgroupriskassetdistributionincludingandexcludingaffiliatesNEAMgroupriskassetdistributionincludingandexcludingaffiliateshttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/articles/2018/Perspectives%20-%20PC%20Investment%20Highlights/NEAMgroup-risk-asset-distribution-as-percent-assets-and-surplus.jpgNEAMgroupriskassetdistributionaspercentassetsandsurplusNEAMgroupriskassetdistributionaspercentassetsandsurplushttps://www.neamgroup.com/hubfs/articles/2018/Perspectives%20-%20PC%20Investment%20Highlights/NEAMgroup-property-casualty-premium-growth-and-underwriting-margin.jpgNEAMgrouppropertycasualtypremiumgrowthandunderwritingmarginNEAMgrouppropertycasualtypremiumgrowthandunderwritingmarginhttps://www.neamgroup.com/hubfs/articles/2018/Perspectives%20-%20PC%20Investment%20Highlights/NEAMgroup-ICE-BAML-municipal-u0t0-broad-market-d0a0-return-and-risk-metrics.jpgNEAMgroupICEBAMLmunicipalu0t0broadmarketd0a0returnandriskmetricsNEAMgroupICEBAMLmunicipalu0t0broadmarketd0a0returnandriskmetricshttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/articles/2018/Perspectives%20-%20PC%20Investment%20Highlights/NEAMgroup-credit-migration.jpgNEAMgroupcreditmigrationNEAMgroupcreditmigrationhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/articles/2018/Perspectives%20-%20PC%20Investment%20Highlights/NEAMgroup-corporate-bond-downgrades-to-below-investment-grade.jpgNEAMgroupcorporatebonddowngradestobelowinvestmentgradeNEAMgroupcorporatebonddowngradestobelowinvestmentgradehttps://www.neamgroup.com/hubfs/articles/2018/Perspectives%20-%20PC%20Investment%20Highlights/NEAMgroup-fixed-income-sector-allocation.jpgNEAMgroupfixedincomesectorallocationNEAMgroupfixedincomesectorallocationhttps://www.neamgroup.com/hubfs/articles/2018/Perspectives%20-%20PC%20Investment%20Highlights/NEAMgroup-total-invested-assets-and-bond-holdings-percentage.jpgNEAMgrouptotalinvestedassetsandbondholdingspercentageNEAMgrouptotalinvestedassetsandbondholdingspercentagehttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/articles/2018/Perspectives%20-%20PC%20Investment%20Highlights/NEAMgroup-corporates-vs-tax-exempt-2017.jpgNEAMgroupcorporatesvstaxexempt2017NEAMgroupcorporatesvstaxexempt2017https://www.neamgroup.com/hubfs/articles/2018/Perspectives%20-%20PC%20Investment%20Highlights/NEAMgroup-broad-sector-allocation-by-affiliated-and-unaffiliated.jpgNEAMgroupbroadsectorallocationbyaffiliatedandunaffiliatedNEAMgroupbroadsectorallocationbyaffiliatedandunaffiliatedhttps://www.neamgroup.com/hubfs/articles/2018/Perspectives%20-%20PC%20Investment%20Highlights/NEAMgroup-pannel-A.jpgNEAMgrouppannelANEAMgrouppannelAhttps://www.neamgroup.com/hubfs/articles/2018/Perspectives%20-%20PC%20Investment%20Highlights/NEAMgroup-taxable-bonds-and-directional-change-2013-2017.jpgNEAMgrouptaxablebondsanddirectionalchange20132017NEAMgrouptaxablebondsanddirectionalchange20132017https://www.neamgroup.com/hubfs/articles/2018/Perspectives%20-%20PC%20Investment%20Highlights/NEAMgroup-earnings-risk.jpgNEAMgroupearningsriskNEAMgroupearningsriskhttps://www.neamgroup.com/hubfs/articles/2018/Perspectives%20-%20PC%20Investment%20Highlights/NEAMgroup-other-fixed-income-sector-allocations.jpgNEAMgroupotherfixedincomesectorallocationsNEAMgroupotherfixedincomesectorallocationshttps://www.neamgroup.com/hubfs/articles/2018/Perspectives%20-%20PC%20Investment%20Highlights/NEAMgroup-fixed-income-option-adjusted-duration.jpgNEAMgroupfixedincomeoptionadjusteddurationNEAMgroupfixedincomeoptionadjusteddurationhttps://www.neamgroup.com/hubfs/articles/2018/Perspectives%20-%20PC%20Investment%20Highlights/NEAMgroup-market-leaders-efficient-frontier-statistics.jpgNEAMgroupmarketleadersefficientfrontierstatisticsNEAMgroupmarketleadersefficientfrontierstatisticshttps://www.neamgroup.com/hubfs/articles/2018/Perspectives%20-%20PC%20Investment%20Highlights/NEAMgroup-tax-exempt-municipal-bond-share-of-fixed-income-assets-and-duration.jpgNEAMgrouptaxexemptmunicipalbondshareoffixedincomeassetsanddurationNEAMgrouptaxexemptmunicipalbondshareoffixedincomeassetsanddurationhttps://www.neamgroup.com/hubfs/articles/2018/Perspectives%20-%20PC%20Investment%20Highlights/NEAMgroup-fixed-income-book-yield.jpgNEAMgroupfixedincomebookyieldNEAMgroupfixedincomebookyieldhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2018/Perspectives%20-%20PC%20Investment%20Highlights/NEAMgroup-assumed-rate-change-bps.jpgNEAMgroupassumedratechangebpsNEAMgroupassumedratechangebpshttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/articles/2018/Perspectives%20-%20PC%20Investment%20Highlights/NEAMgroup-current-rate-vs-anticipated-rate-book-and-market-yield.jpgNEAMgroupcurrentratevsanticipatedratebookandmarketyieldNEAMgroupcurrentratevsanticipatedratebookandmarketyieldhttps://www.neamgroup.com/hubfs/articles/2018/Perspectives%20-%20PC%20Investment%20Highlights/NEAMgroup-industry-market-leaders-group-average-compared-to-industry-aggregates.jpgNEAMgroupindustrymarketleadersgroupaveragecomparedtoindustryaggregatesNEAMgroupindustrymarketleadersgroupaveragecomparedtoindustryaggregateshttps://www.neamgroup.com/hubfs/articles/2018/Perspectives%20-%20PC%20Investment%20Highlights/NEAMgroup-reported-industry-financial-results.jpgNEAMgroupreportedindustryfinancialresultsNEAMgroupreportedindustryfinancialresultshttps://www.neamgroup.com/hubfs/articles/2018/Perspectives%20-%20PC%20Investment%20Highlights/NEAMgroup-taxable-bond-profile-vs-tax-exempt.jpgNEAMgrouptaxablebondprofilevstaxexemptNEAMgrouptaxablebondprofilevstaxexempthttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2018/Perspectives%20-%20PC%20Investment%20Highlights/NEAMgroup-2017-risk-assets-percent-invested-assets-and-capital.jpgNEAMgroup2017riskassetspercentinvestedassetsandcapitalNEAMgroup2017riskassetspercentinvestedassetsandcapitalhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/articles/2017/Perspectives-Tolerate%20This/risktoleratethis.jpgrisktoleratethisrisktoleratethishttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterR2018-11-27https://www.neamgroup.com/insights/monthly-economic-highlights-june-2023https://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/articles/2023/Outlook%20-%20June%202023/NEAMgroup_june23_exhibit02.jpgNEAMgroupjune23exhibit02NEAMgroupjune23exhibit02https://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/articles/2023/Outlook%20-%20June%202023/outlook.jpgoutlookoutlookhttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/articles/2023/Outlook%20-%20June%202023/NEAMgroup_june23_exhibit03.jpgNEAMgroupjune23exhibit03NEAMgroupjune23exhibit03https://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2023/Outlook%20-%20June%202023/NEAMgroup_june23_exhibit04.jpgNEAMgroupjune23exhibit04NEAMgroupjune23exhibit04https://www.neamgroup.com/hubfs/Authors/Coley-Lynch.pngColeyLynchColeyLynchhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/articles/2023/Outlook%20-%20June%202023/NEAMgroup_june23_exhibit06.jpgNEAMgroupjune23exhibit06NEAMgroupjune23exhibit06https://www.neamgroup.com/hubfs/articles/2023/Outlook%20-%20June%202023/NEAMgroup_june23_exhibit01.jpgNEAMgroupjune23exhibit01NEAMgroupjune23exhibit01https://www.neamgroup.com/hubfs/articles/2023/Outlook%20-%20June%202023/NEAMgroup_june23_exhibit08.jpgNEAMgroupjune23exhibit08NEAMgroupjune23exhibit08https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2023/Outlook%20-%20June%202023/NEAMgroup_june23_exhibit07.jpgNEAMgroupjune23exhibit07NEAMgroupjune23exhibit07https://www.neamgroup.com/hubfs/articles/2023/Outlook%20-%20June%202023/NEAMgroup_june23_exhibit05.jpgNEAMgroupjune23exhibit05NEAMgroupjune23exhibit05https://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTop2023-06-13https://www.neamgroup.com/contacthttps://www.neamgroup.com/hubfs/assets/images/arrow-blue-closed.pngarrowblueclosedarrowblueclosedhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/assets/images/Photo%20Refresh%202025/contact%20us.jpgcontactuscontactushttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydown2025-04-07https://www.neamgroup.com/insights/pc-projected-book-yieldshttps://www.neamgroup.com/hubfs/articles/NEAM-Table-2-Implication-Example.pngNEAMTable2ImplicationExampleNEAMTable2ImplicationExamplehttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/articles/NEAM-Table-1-Reinvestment-Rate-Assumptions.pngNEAMTable1ReinvestmentRateAssumptionsNEAMTable1ReinvestmentRateAssumptionshttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/articles/NEAM-Chart-1-Yield-Curve-Trend.pngNEAMChart1YieldCurveTrendNEAMChart1YieldCurveTrendhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/articles/NEAM-Chart-2-PC-Industry-Historical-and-Forecasted-Book-Yields.pngNEAMChart2PCIndustryHistoricalandForecastedBookYieldsNEAMChart2PCIndustryHistoricalandForecastedBookYieldshttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/Authors/Steve-Rakowski.pngSteveRakowskiSteveRakowskihttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/articles/NEAM-Yield-Curve-Trend.jpgNEAMYieldCurveTrendNEAMYieldCurveTrend2016-04-13https://www.neamgroup.com/insights/enterprise-the-intersection-of-capital-underwriting-and-investment-management-opportunities-the-sequelhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/articles/2020/Perspectives%20-%20Enterprise%20Intersection%20(Sequel)/NEAMgroup_sample_underwriting_assumptions.jpgNEAMgroupsampleunderwritingassumptionsNEAMgroupsampleunderwritingassumptionshttps://www.neamgroup.com/hubfs/articles/NEAM-Group-Return-on-Equity-Calculation.pngNEAMGroupReturnonEquityCalculationNEAMGroupReturnonEquityCalculationhttps://www.neamgroup.com/hubfs/articles/2020/Perspectives%20-%20Enterprise%20Intersection%20(Sequel)/NEAMgroup_similar_t-var_outcomes_support.jpgNEAMgroupsimilartvaroutcomessupportNEAMgroupsimilartvaroutcomessupporthttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2020/Perspectives%20-%20Enterprise%20Intersection%20(Sequel)/NEAMgroup_alternative_enterprise_return_risk_trade_offs_4.jpgNEAMgroupalternativeenterprisereturnrisktradeoffs4NEAMgroupalternativeenterprisereturnrisktradeoffs4https://www.neamgroup.com/hubfs/articles/2020/Perspectives%20-%20Enterprise%20Intersection%20(Sequel)/NEAMgroup_endnotes_table_2.jpgNEAMgroupendnotestable2NEAMgroupendnotestable2https://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/articles/2020/Perspectives%20-%20Enterprise%20Intersection%20(Sequel)/sequel.jpgsequelsequelhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/articles/2020/Perspectives%20-%20Enterprise%20Intersection%20(Sequel)/NEAMgroup_normals_markets_risk_and_tail_risk_allocation.jpgNEAMgroupnormalsmarketsriskandtailriskallocationNEAMgroupnormalsmarketsriskandtailriskallocationhttps://www.neamgroup.com/hubfs/articles/2020/Perspectives%20-%20Enterprise%20Intersection%20(Sequel)/NEAMgroup_endnotes_table_3.jpgNEAMgroupendnotestable3NEAMgroupendnotestable3https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/articles/2020/Perspectives%20-%20Enterprise%20Intersection%20(Sequel)/NEAMgroup_alternative_enterprise_return_risk_trade_offs.jpgNEAMgroupalternativeenterprisereturnrisktradeoffsNEAMgroupalternativeenterprisereturnrisktradeoffshttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/NEAM-James-E-Bachman.pngNEAMJamesEBachmanNEAMJamesEBachmanhttps://www.neamgroup.com/hubfs/articles/2020/Perspectives%20-%20Enterprise%20Intersection%20(Sequel)/NEAMgroup_normals_markets_risk_and_asymmetric_tail_risk_allocation.jpgNEAMgroupnormalsmarketsriskandasymmetrictailriskallocationNEAMgroupnormalsmarketsriskandasymmetrictailriskallocationhttps://www.neamgroup.com/hubfs/articles/2020/Perspectives%20-%20Enterprise%20Intersection%20(Sequel)/NEAMgroup_asymmetric_and_normal_outcomes_hypothetical_distributions.jpgNEAMgroupasymmetricandnormaloutcomeshypotheticaldistributionsNEAMgroupasymmetricandnormaloutcomeshypotheticaldistributionshttps://www.neamgroup.com/hubfs/articles/2020/Perspectives%20-%20Enterprise%20Intersection%20(Sequel)/NEAMgroup_enterprise_intersection_2.jpgNEAMgroupenterpriseintersection2NEAMgroupenterpriseintersection2https://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterR2020-05-19https://www.neamgroup.com/insights/fraternal-investment-portfolios-walking-a-different-pathhttps://www.neamgroup.com/hubfs/articles/2025/Perspectives%20-%20Fraternals/NEAMgroup_06_fixed_income_sector_allocation.jpgNEAMgroup06fixedincomesectorallocationNEAMgroup06fixedincomesectorallocationhttps://www.neamgroup.com/hubfs/Authors/NEAM-phil-lee.pngNEAMphilleeNEAMphilleehttps://www.neamgroup.com/hubfs/articles/2025/Perspectives%20-%20Fraternals/corrected-NEAMgroup_01_reserves_breakdown_lines_of_business.jpgcorrectedNEAMgroup01reservesbreakdownlinesofbusinesscorrectedNEAMgroup01reservesbreakdownlinesofbusinesshttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/articles/2025/Perspectives%20-%20Fraternals/NEAMgroup_03_invested_assets_sector_composition.jpgNEAMgroup03investedassetssectorcompositionNEAMgroup03investedassetssectorcompositionhttps://www.neamgroup.com/hubfs/articles/2025/Perspectives%20-%20Fraternals/NEAMgroup_01T_surplus_invested_assets_premium_reserves.jpgNEAMgroup01TsurplusinvestedassetspremiumreservesNEAMgroup01Tsurplusinvestedassetspremiumreserveshttps://www.neamgroup.com/hubfs/articles/2025/Perspectives%20-%20Fraternals/NEAMgroup_04T_fixed_income_portfolio_oad.jpgNEAMgroup04TfixedincomeportfoliooadNEAMgroup04Tfixedincomeportfoliooadhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/articles/2025/Perspectives%20-%20Fraternals/NEAMgroup_02T_earned_investment_income_contribution.jpgNEAMgroup02TearnedinvestmentincomecontributionNEAMgroup02Tearnedinvestmentincomecontributionhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/articles/2025/Perspectives%20-%20Fraternals/NEAMgroup_05_fixed_income_credit_quality_distribution.jpgNEAMgroup05fixedincomecreditqualitydistributionNEAMgroup05fixedincomecreditqualitydistributionhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2025/Perspectives%20-%20Fraternals/NEAMgroup_03T_fixed_income_book_yield.jpgNEAMgroup03TfixedincomebookyieldNEAMgroup03Tfixedincomebookyieldhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/articles/2025/Perspectives%20-%20Fraternals/NEAMgroup_04_comparison_fixed_income_book_yield.jpgNEAMgroup04comparisonfixedincomebookyieldNEAMgroup04comparisonfixedincomebookyieldhttps://www.neamgroup.com/hubfs/articles/2025/Perspectives%20-%20Fraternals/NEAMgroup_02_net_investment_income.jpgNEAMgroup02netinvestmentincomeNEAMgroup02netinvestmentincomehttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/articles/2025/Perspectives%20-%20Fraternals/fraternal.jpgfraternalfraternal2025-10-01https://www.neamgroup.com/media-center/neam-limited-hires-rui-wanghttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTop2018-12-11https://www.neamgroup.com/insights/brexithttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/Authors/NEAM-Hugh-McCutcheon.pngNEAMHughMcCutcheonNEAMHughMcCutcheonhttps://www.neamgroup.com/hubfs/brexit-1.jpgbrexit1brexit1https://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/articles/NEAM-Chart-2-UK-Public-Opinion-Polls-Brexit.pngNEAMChart2UKPublicOpinionPollsBrexitNEAMChart2UKPublicOpinionPollsBrexithttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterR2016-04-13https://www.neamgroup.com/insights/capital-market-liquidity-and-implications-for-insurance-companieshttps://www.neamgroup.com/hubfs/Authors/Christian-Auger.pngChristianAugerChristianAugerhttps://www.neamgroup.com/hubfs/articles/NEAM-Table-2-XYZ-Company-Portfolio-Liquidity-Analysis-Holdings.pngNEAMTable2XYZCompanyPortfolioLiquidityAnalysisHoldingsNEAMTable2XYZCompanyPortfolioLiquidityAnalysisHoldingshttps://www.neamgroup.com/hubfs/articles/NEAM-Liquidity-Premium.jpgNEAMLiquidityPremiumNEAMLiquidityPremiumhttps://www.neamgroup.com/hubfs/articles/NEAM-BAM-IG-Index.jpgNEAMBAMIGIndexNEAMBAMIGIndexhttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/articles/NEAM-Chart-1-Percent-of-P-C-Industrys-Invested-Assets-in-Non-Credit-vs-Credit.pngNEAMChart1PercentofPCIndustrysInvestedAssetsinNonCreditvsCreditNEAMChart1PercentofPCIndustrysInvestedAssetsinNonCreditvsCredithttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/articles/NEAM-Table-1-XYZ-Company-Portfolio-Liquidity-Analysis-Holdings.pngNEAMTable1XYZCompanyPortfolioLiquidityAnalysisHoldingsNEAMTable1XYZCompanyPortfolioLiquidityAnalysisHoldingshttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydown2016-04-13https://www.neamgroup.com/insights/sps-capital-model-proposal-an-initial-look-at-investment-risk-chargeshttps://www.neamgroup.com/hubfs/articles/2022/Perspectives%20-%20Capital%20Model%20Proposal/NEAMgroup_dupont.jpgNEAMgroupdupontNEAMgroupduponthttps://www.neamgroup.com/hubfs/articles/2022/Perspectives%20-%20Capital%20Model%20Proposal/capitalmodalproposal.jpgcapitalmodalproposalcapitalmodalproposalhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2022/Perspectives%20-%20Capital%20Model%20Proposal/NEAMgroup_enterprise_efficient_frontier_capital_charge_frontier.jpgNEAMgroupenterpriseefficientfrontiercapitalchargefrontierNEAMgroupenterpriseefficientfrontiercapitalchargefrontierhttps://www.neamgroup.com/hubfs/articles/2022/Perspectives%20-%20Capital%20Model%20Proposal/NEAMgroup_ratios_showing_average_charge_increases.jpgNEAMgroupratiosshowingaveragechargeincreasesNEAMgroupratiosshowingaveragechargeincreaseshttps://www.neamgroup.com/hubfs/articles/2022/Perspectives%20-%20Capital%20Model%20Proposal/NEAMgroup_appendixA.jpgNEAMgroupappendixANEAMgroupappendixAhttps://www.neamgroup.com/hubfs/articles/2022/Perspectives%20-%20Capital%20Model%20Proposal/NEAMgroup_capital_charge_comparisons_across_categories.jpgNEAMgroupcapitalchargecomparisonsacrosscategoriesNEAMgroupcapitalchargecomparisonsacrosscategorieshttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2022/Perspectives%20-%20Capital%20Model%20Proposal/NEAMgroup_appendixB.jpgNEAMgroupappendixBNEAMgroupappendixBhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/articles/2022/Perspectives%20-%20Capital%20Model%20Proposal/NEAMgroup_output_enterprise_portfolios.jpgNEAMgroupoutputenterpriseportfoliosNEAMgroupoutputenterpriseportfolioshttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/Authors/Chris-Myers.pngChrisMyersChrisMyershttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/articles/2022/Perspectives%20-%20Capital%20Model%20Proposal/NEAMgroup_appendixC.jpgNEAMgroupappendixCNEAMgroupappendixC2022-05-03https://www.neamgroup.com/insights/trade-winds-october-2025https://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/articles/2025/Trade%20Winds%20-%20October%202025/NEAMgroup_02_trade_winds_Oct_2025.jpgNEAMgroup02tradewindsOct2025NEAMgroup02tradewindsOct2025https://www.neamgroup.com/hubfs/articles/2025/Trade%20Winds%20-%20October%202025/NEAMgroup_05_trade_winds_Oct_2025.jpgNEAMgroup05tradewindsOct2025NEAMgroup05tradewindsOct2025https://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/articles/2025/Trade%20Winds%20-%20October%202025/NEAMgroup_01_trade_winds_Oct_2025.jpgNEAMgroup01tradewindsOct2025NEAMgroup01tradewindsOct2025https://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2025/Trade%20Winds%20-%20October%202025/NEAMgroup_03_trade_winds_Oct_2025.jpgNEAMgroup03tradewindsOct2025NEAMgroup03tradewindsOct2025https://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2025/Trade%20Winds%20-%20October%202025/NEAMgroup_06_trade_winds_Oct_2025.jpgNEAMgroup06tradewindsOct2025NEAMgroup06tradewindsOct2025https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/articles/2025/Trade%20Winds%20-%20October%202025/NEAMgroup_07_trade_winds_Oct_2025.jpgNEAMgroup07tradewindsOct2025NEAMgroup07tradewindsOct2025https://www.neamgroup.com/hubfs/articles/2025/Trade%20Winds%20-%20October%202025/NEAMgroup_08_trade_winds_Oct_2025.jpgNEAMgroup08tradewindsOct2025NEAMgroup08tradewindsOct2025https://www.neamgroup.com/hubfs/Authors/Coley-Lynch.pngColeyLynchColeyLynchhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/articles/2025/Trade%20Winds%20-%20October%202025/NEAMgroup_04_trade_winds_Oct_2025.jpgNEAMgroup04tradewindsOct2025NEAMgroup04tradewindsOct2025https://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/articles/tradewinds.jpgtradewindstradewindshttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearch2025-10-08https://www.neamgroup.com/insights/u.s.-housing-on-solid-groundhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/Authors/NEAM-Rakesh-Kansara.pngNEAMRakeshKansaraNEAMRakeshKansarahttps://www.neamgroup.com/hubfs/articles/2021/Quick%20Takes%20-%20US%20Housing%20Market/NEAMgroup-residential-builders.jpgNEAMgroupresidentialbuildersNEAMgroupresidentialbuildershttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/articles/2021/Quick%20Takes%20-%20US%20Housing%20Market/NEAMgroup-US-population-distribution-by-generation.jpgNEAMgroupUSpopulationdistributionbygenerationNEAMgroupUSpopulationdistributionbygenerationhttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/articles/2021/Quick%20Takes%20-%20US%20Housing%20Market/NEAMgroup-millennial-share-of-first-time-homebuyers.jpgNEAMgroupmillennialshareoffirsttimehomebuyersNEAMgroupmillennialshareoffirsttimehomebuyershttps://www.neamgroup.com/hubfs/articles/2021/Quick%20Takes%20-%20US%20Housing%20Market/NEAMgroup-mortgage-affordability.jpgNEAMgroupmortgageaffordabilityNEAMgroupmortgageaffordabilityhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/articles/2021/Quick%20Takes%20-%20US%20Housing%20Market/NEAMgroup-US-housing-supply-vs-demand.jpgNEAMgroupUShousingsupplyvsdemandNEAMgroupUShousingsupplyvsdemandhttps://www.neamgroup.com/hubfs/articles/2021/Quick%20Takes%20-%20US%20Housing%20Market/ushousingsolidground.jpgushousingsolidgroundushousingsolidgroundhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/articles/2021/Quick%20Takes%20-%20US%20Housing%20Market/NEAMgroup-debt-equity-in-US-housing-market.jpgNEAMgroupdebtequityinUShousingmarketNEAMgroupdebtequityinUShousingmarkethttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford20242021-06-07https://www.neamgroup.com/insights/monthly-economic-highlights-december-2023https://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/Authors/Coley-Lynch.pngColeyLynchColeyLynchhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2023/Outlook%20-%20December%202023/NEAMgroup_Outlook_Dec23_02.jpgNEAMgroupOutlookDec2302NEAMgroupOutlookDec2302https://www.neamgroup.com/hubfs/articles/2023/Outlook%20-%20June%202023/outlook.jpgoutlookoutlookhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2023/Outlook%20-%20December%202023/NEAMgroup_Outlook_Dec23_06.jpgNEAMgroupOutlookDec2306NEAMgroupOutlookDec2306https://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/articles/2023/Outlook%20-%20December%202023/NEAMgroup_Outlook_Dec23_01.jpgNEAMgroupOutlookDec2301NEAMgroupOutlookDec2301https://www.neamgroup.com/hubfs/articles/2023/Outlook%20-%20December%202023/NEAMgroup_Outlook_Dec23_07.jpgNEAMgroupOutlookDec2307NEAMgroupOutlookDec2307https://www.neamgroup.com/hubfs/articles/2023/Outlook%20-%20December%202023/NEAMgroup_Outlook_Dec23_04.jpgNEAMgroupOutlookDec2304NEAMgroupOutlookDec2304https://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/articles/2023/Outlook%20-%20December%202023/NEAMgroup_Outlook_Dec23_05.jpgNEAMgroupOutlookDec2305NEAMgroupOutlookDec2305https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/articles/2023/Outlook%20-%20December%202023/NEAMgroup_Outlook_Dec23_08.jpgNEAMgroupOutlookDec2308NEAMgroupOutlookDec2308https://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/articles/2023/Outlook%20-%20December%202023/NEAMgroup_Outlook_Dec23_03.jpgNEAMgroupOutlookDec2303NEAMgroupOutlookDec23032023-12-05https://www.neamgroup.com/searchhttps://www.neamgroup.com/hubfs/assets/images/img-subscriptions.gifimgsubscriptionsimgsubscriptionshttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/assets/images/arrow-blue-closed.pngarrowblueclosedarrowblueclosedhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterR2017-08-25https://www.neamgroup.com/media-center/neam-appoints-new-chief-investment-officerhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/assets/images/img-logo-footer.pngNEAMLogoimglogofooterhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterR2022-04-14https://www.neamgroup.com/insights/2024-fixed-income-yields-and-returns...and-beyondhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/Authors/NEAM-Jennifer-Quisenberry.pngNEAMJenniferQuisenberryNEAMJenniferQuisenberryhttps://www.neamgroup.com/hubfs/articles/2025/Quick%20Takes%20-%20Fixed%20Income%20Yields%20and%20Returns...and%20Beyond/NEAMgroup_05_proected_return_distribution_property_casualty.jpgNEAMgroup05proectedreturndistributionpropertycasualtyNEAMgroup05proectedreturndistributionpropertycasualtyhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/articles/2025/Quick%20Takes%20-%20Fixed%20Income%20Yields%20and%20Returns...and%20Beyond/NEAMgroup_04_historical_yield_ranges.jpgNEAMgroup04historicalyieldrangesNEAMgroup04historicalyieldrangeshttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/articles/2025/Quick%20Takes%20-%20Fixed%20Income%20Yields%20and%20Returns...and%20Beyond/NEAMgroup_02_2024_fixed_income_sector_total_excess_returns.jpgNEAMgroup022024fixedincomesectortotalexcessreturnsNEAMgroup022024fixedincomesectortotalexcessreturnshttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2025/Quick%20Takes%20-%20Fixed%20Income%20Yields%20and%20Returns...and%20Beyond/NEAMgroup_01_treasury_Curve_2023_2024.jpgNEAMgroup01treasuryCurve20232024NEAMgroup01treasuryCurve20232024https://www.neamgroup.com/hubfs/articles/2025/Quick%20Takes%20-%20Fixed%20Income%20Yields%20and%20Returns...and%20Beyond/NEAMgroup_03_aggregate_bond_index_income_return.jpgNEAMgroup03aggregatebondindexincomereturnNEAMgroup03aggregatebondindexincomereturnhttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/articles/2017/Quick%20Takes%20-%20Returns%20and%20Yields/returnsandyields.jpgreturnsandyieldsreturnsandyieldshttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowus2025-01-27https://www.neamgroup.com/insights/work-in-progresshttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/articles/2020/Quick%20Takes%20-%20Work%20in%20Progress/NEAMgroup_US_broadband_subscribers.jpgNEAMgroupUSbroadbandsubscribersNEAMgroupUSbroadbandsubscribershttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2020/Quick%20Takes%20-%20Work%20in%20Progress/workinprogress.jpgworkinprogressworkinprogresshttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/articles/2020/Quick%20Takes%20-%20Work%20in%20Progress/NEAMgroup_nielsen_household_products_and_personal_care_scanner_data.jpgNEAMgroupnielsenhouseholdproductsandpersonalcarescannerdataNEAMgroupnielsenhouseholdproductsandpersonalcarescannerdatahttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/NEAMgroup_total_global_IT_spend.jpgNEAMgrouptotalglobalITspendNEAMgrouptotalglobalITspendhttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/articles/2020/Quick%20Takes%20-%20Work%20in%20Progress/NEAMgroup_pace_of_public_cloud_adoption.jpgNEAMgrouppaceofpubliccloudadoptionNEAMgrouppaceofpubliccloudadoptionhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/Authors/NEAM-Jay-Bliss.pngNEAMJayBlissNEAMJayBlisshttps://www.neamgroup.com/hubfs/articles/2020/Quick%20Takes%20-%20Work%20in%20Progress/NEAMgroup_americans_increasingly_working_remotely.jpgNEAMgroupamericansincreasinglyworkingremotelyNEAMgroupamericansincreasinglyworkingremotelyhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTop2020-11-20https://www.neamgroup.com/at-a-glance/non-ushttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/NEAM-Assets-Under-Management-By-Region.pngNEAMAssetsUnderManagementByRegionNEAMAssetsUnderManagementByRegionhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/NEAM-Assets-Under-Management-by-Class-Legend.pngNEAMAssetsUnderManagementbyClassLegendNEAMAssetsUnderManagementbyClassLegendhttps://www.neamgroup.com/hubfs/NEAM-Assets-Under-Management-By-Class.pngNEAMAssetsUnderManagementByClassNEAMAssetsUnderManagementByClasshttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/NEA-Assets-Under-Management-Region-Legend.pngNEAAssetsUnderManagementRegionLegendNEAAssetsUnderManagementRegionLegendhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTop2026-02-24https://www.neamgroup.com/insights/enterprise-risk-tolerate-thishttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2017/Perspectives-Tolerate%20This/NEAM-Group-Average-Return-On-Equity-Levels.jpgNEAMGroupAverageReturnOnEquityLevelsNEAMGroupAverageReturnOnEquityLevelshttps://www.neamgroup.com/hubfs/articles/2017/Perspectives-Tolerate%20This/NEAM-Group-Generalized-Stakeholder-Views-Of-Insurer-Earnings-And-Capital.jpgNEAMGroupGeneralizedStakeholderViewsOfInsurerEarningsAndCapitalNEAMGroupGeneralizedStakeholderViewsOfInsurerEarningsAndCapitalhttps://www.neamgroup.com/hubfs/articles/2017/Perspectives-Tolerate%20This/risktoleratethis.jpgrisktoleratethisrisktoleratethishttps://www.neamgroup.com/hubfs/articles/2017/Perspectives-Tolerate%20This/NEAM-Group-risk-call-out.jpgNEAMGroupriskcalloutNEAMGroupriskcallouthttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/articles/2017/Perspectives-Tolerate%20This/NEAM-Group-Hypothetic-VAR-Thresholds.jpgNEAMGroupHypotheticVARThresholdsNEAMGroupHypotheticVARThresholdshttps://www.neamgroup.com/hubfs/articles/2017/Perspectives-Tolerate%20This/NEAM-Group-Risk-Adjusted-ROE-By-Price-to-Book-Ratio-Buckets.jpgNEAMGroupRiskAdjustedROEByPricetoBookRatioBucketsNEAMGroupRiskAdjustedROEByPricetoBookRatioBucketshttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/Authors/Chris-Myers.pngChrisMyersChrisMyershttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/articles/2017/Perspectives-Tolerate%20This/NEAM-Group-TVAR-By-Rating-Chart.jpgNEAMGroupTVARByRatingChartNEAMGroupTVARByRatingCharthttps://www.neamgroup.com/hubfs/articles/2017/Perspectives-Tolerate%20This/NEAM-Group-Insurer-Enterprise-TVAR.jpgNEAMGroupInsurerEnterpriseTVARNEAMGroupInsurerEnterpriseTVARhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydown2017-03-02https://www.neamgroup.com/insights/risk-averse-by-design-workers-compensation-insurers-strategy-in-a-volatile-markethttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/articles/2025/Perspectives%20-%20Workers%20Comp/NEAMgroup_09_comparison_fixed_income_portfolio_OAD.jpgNEAMgroup09comparisonfixedincomeportfolioOADNEAMgroup09comparisonfixedincomeportfolioOADhttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/articles/2025/Perspectives%20-%20Workers%20Comp/NEAMgroup_10_workers_comp_writers_fixed_income_book_yields_risk_score.jpgNEAMgroup10workerscompwritersfixedincomebookyieldsriskscoreNEAMgroup10workerscompwritersfixedincomebookyieldsriskscorehttps://www.neamgroup.com/hubfs/articles/2025/Perspectives%20-%20Workers%20Comp/NEAMgroup_08_fixed_income_credit_quality_distribution.jpgNEAMgroup08fixedincomecreditqualitydistributionNEAMgroup08fixedincomecreditqualitydistributionhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/Authors/NEAM-phil-lee.pngNEAMphilleeNEAMphilleehttps://www.neamgroup.com/hubfs/articles/2025/Perspectives%20-%20Workers%20Comp/NEAMgroup_03_invested_assets_sector_composition.jpgNEAMgroup03investedassetssectorcompositionNEAMgroup03investedassetssectorcompositionhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/articles/2025/Perspectives%20-%20Workers%20Comp/NEAMgroup_02_net_investment_income.jpgNEAMgroup02netinvestmentincomeNEAMgroup02netinvestmentincomehttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/articles/2025/Perspectives%20-%20Workers%20Comp/NEAMgroup_06_comparison_fixed_income_sector_allocations.jpgNEAMgroup06comparisonfixedincomesectorallocationsNEAMgroup06comparisonfixedincomesectorallocationshttps://www.neamgroup.com/hubfs/articles/2025/Perspectives%20-%20Workers%20Comp/updated-NEAMgroup_01_surplus_invested_assets_premium.jpgupdatedNEAMgroup01surplusinvestedassetspremiumupdatedNEAMgroup01surplusinvestedassetspremiumhttps://www.neamgroup.com/hubfs/articles/2025/Perspectives%20-%20Workers%20Comp/workerscomp2025.jpgworkerscomp2025workerscomp2025https://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/articles/2025/Perspectives%20-%20Workers%20Comp/NEAMgroup_07_comparison_2024_fixed_income_allocations_book_yield.jpgNEAMgroup07comparison2024fixedincomeallocationsbookyieldNEAMgroup07comparison2024fixedincomeallocationsbookyieldhttps://www.neamgroup.com/hubfs/articles/2025/Perspectives%20-%20Workers%20Comp/NEAMgroup_05_comparison_fixed_income_portfolio_book_yield.jpgNEAMgroup05comparisonfixedincomeportfoliobookyieldNEAMgroup05comparisonfixedincomeportfoliobookyieldhttps://www.neamgroup.com/hubfs/articles/2025/Perspectives%20-%20Workers%20Comp/NEAMgroup_04_risk_assets_percentage_surplus.jpgNEAMgroup04riskassetspercentagesurplusNEAMgroup04riskassetspercentagesurplushttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford20242025-10-14https://www.neamgroup.com/media-center/neam-limited-appoints-new-managing-directorhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/assets/images/img-logo-footer.pngNEAMLogoimglogofooterhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowus2023-02-01https://www.neamgroup.com/insights/dont-uncork-the-champagne-2018-pc-investment-resultshttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2019/Perspectives%20-%20Dont%20Uncork%20the%20Champagne/NEAMgroup-industry-market-leaders-in-underwriting-performance.jpgNEAMgroupindustrymarketleadersinunderwritingperformanceNEAMgroupindustrymarketleadersinunderwritingperformancehttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/NEAM-James-E-Bachman.pngNEAMJamesEBachmanNEAMJamesEBachmanhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/articles/2019/Perspectives%20-%20Dont%20Uncork%20the%20Champagne/NEAMgroup-industry-fixed-income-investment-market-leaders.jpgNEAMgroupindustryfixedincomeinvestmentmarketleadersNEAMgroupindustryfixedincomeinvestmentmarketleadershttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/articles/2019/Perspectives%20-%20Dont%20Uncork%20the%20Champagne/NEAMgroup-industry-investment-market-leaders-group-average-compared-to-industry-aggregates.jpgNEAMgroupindustryinvestmentmarketleadersgroupaveragecomparedtoindustryaggregatesNEAMgroupindustryinvestmentmarketleadersgroupaveragecomparedtoindustryaggregateshttps://www.neamgroup.com/hubfs/articles/2019/Perspectives%20-%20Dont%20Uncork%20the%20Champagne/NEAMgroup-ROE-and-estimated-t-var.jpgNEAMgroupROEandestimatedtvarNEAMgroupROEandestimatedtvarhttps://www.neamgroup.com/hubfs/articles/2019/Perspectives%20-%20Dont%20Uncork%20the%20Champagne/NEAMgroup-industry-underwriting-market-leaders-group-average-compared-to-industry-aggregates.jpgNEAMgroupindustryunderwritingmarketleadersgroupaveragecomparedtoindustryaggregatesNEAMgroupindustryunderwritingmarketleadersgroupaveragecomparedtoindustryaggregateshttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/articles/2019/Perspectives%20-%20Dont%20Uncork%20the%20Champagne/dontuncorkchampagne.jpgdontuncorkchampagnedontuncorkchampagnehttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/articles/2019/Perspectives%20-%20Dont%20Uncork%20the%20Champagne/NEAMgroup-reported-industry-financial-results.jpgNEAMgroupreportedindustryfinancialresultsNEAMgroupreportedindustryfinancialresultshttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford20242019-11-04https://www.neamgroup.com/insights/solvency-oversight-wheels-keep-churninghttps://www.neamgroup.com/hubfs/Authors/Chris-Myers.pngChrisMyersChrisMyershttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/articles/2019/Perspectives%20-%20Solvency%20Oversight%20Wheels%20Keep%20Churning/solvencyoversight.jpgsolvencyoversightsolvencyoversighthttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/articles/2019/Perspectives%20-%20Solvency%20Oversight%20Wheels%20Keep%20Churning/NEAMgroup_regime_update_highlights.jpgNEAMgroupregimeupdatehighlightsNEAMgroupregimeupdatehighlightshttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford20242019-11-21https://www.neamgroup.com/please-stand-by/non-ushttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterR2016-12-14https://www.neamgroup.com/insights/the-u.s.-muni-market-pre-financial-crisis-to-todayhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/Authors/Sean-T-Coughlin.pngSeanTCoughlinSeanTCoughlinhttps://www.neamgroup.com/hubfs/articles/2018/Quick%20Takes%20-%20Muni%20Market%20Since%20Crisis/NEAMgroup-municipal-securities-holders.jpgNEAMgroupmunicipalsecuritiesholdersNEAMgroupmunicipalsecuritiesholdershttps://www.neamgroup.com/hubfs/articles/2018/Quick%20Takes%20-%20Muni%20Market%20Since%20Crisis/NEAMgroup-state-level-debt-per-capita-and-changes-since-2008.jpgNEAMgroupstateleveldebtpercapitaandchangessince2008NEAMgroupstateleveldebtpercapitaandchangessince2008https://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/articles/2018/Quick%20Takes%20-%20Muni%20Market%20Since%20Crisis/NEAMgroup-slg-and-private-sector-construction-outlays-and-total-employment.jpgNEAMgroupslgandprivatesectorconstructionoutlaysandtotalemploymentNEAMgroupslgandprivatesectorconstructionoutlaysandtotalemploymenthttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/articles/2018/Quick%20Takes%20-%20Muni%20Market%20Since%20Crisis/muniprepostcrisis.jpgmuniprepostcrisismuniprepostcrisishttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/articles/2018/Quick%20Takes%20-%20Muni%20Market%20Since%20Crisis/NEAMgroup-broad-investment-grade-tax-exempt-muni-bond-index-characteristics.jpgNEAMgroupbroadinvestmentgradetaxexemptmunibondindexcharacteristicsNEAMgroupbroadinvestmentgradetaxexemptmunibondindexcharacteristics2018-09-25https://www.neamgroup.com/media-center/gr-neam-releases-mobile-application-for-clientshttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenu2016-06-13https://www.neamgroup.com/insights/second-quarter-2015-equity-reviewhttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/articles/NEAM-Chart-1-Student-Debt-and-Household-Ownership.jpgNEAMChart1StudentDebtandHouseholdOwnershipNEAMChart1StudentDebtandHouseholdOwnershiphttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/Authors/Michele-Matzinger.pngMicheleMatzingerMicheleMatzingerhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/articles/NEAM-Chart-2-Average-Annual-Consumption-Expenditures-by-Age-Cohort.jpgNEAMChart2AverageAnnualConsumptionExpendituresbyAgeCohortNEAMChart2AverageAnnualConsumptionExpendituresbyAgeCohorthttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowus2016-05-18https://www.neamgroup.com/contact/non-us-2https://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenu2017-09-28https://www.neamgroup.com/insights/am-best-new-bcar-impact-on-life-insurers-portfolio-optimizationhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/articles/2018/Perspectives%20-%20AM%20Best%20New%20BCAR/NEAMgroup-details-of-optimal-portfolio-configuration-based-on-old-and-new-bcar.jpgNEAMgroupdetailsofoptimalportfolioconfigurationbasedonoldandnewbcarNEAMgroupdetailsofoptimalportfolioconfigurationbasedonoldandnewbcarhttps://www.neamgroup.com/hubfs/articles/2018/Perspectives%20-%20AM%20Best%20New%20BCAR/NEAMgroup-life-industry-investment-portfolio-distribution.jpgNEAMgrouplifeindustryinvestmentportfoliodistributionNEAMgrouplifeindustryinvestmentportfoliodistributionhttps://www.neamgroup.com/hubfs/Authors/Mark-Yu.pngMarkYuMarkYuhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/articles/2018/Perspectives%20-%20AM%20Best%20New%20BCAR/NEAMgroup-life-industry-return-on-equity-components.jpgNEAMgrouplifeindustryreturnonequitycomponentsNEAMgrouplifeindustryreturnonequitycomponentshttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/articles/2018/Perspectives%20-%20AM%20Best%20New%20BCAR/NEAMgroup-bcar-c1-fixed-new-bcar.jpgNEAMgroupbcarc1fixednewbcarNEAMgroupbcarc1fixednewbcarhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/articles/2018/Perspectives%20-%20AM%20Best%20New%20BCAR/NEAMgroup-bcar-c1-fixed-old-bcar.jpgNEAMgroupbcarc1fixedoldbcarNEAMgroupbcarc1fixedoldbcarhttps://www.neamgroup.com/hubfs/articles/2018/Perspectives%20-%20AM%20Best%20New%20BCAR/NEAMgroup_life_health_insurers_bcar_required_capital_components.jpgNEAMgrouplifehealthinsurersbcarrequiredcapitalcomponentsNEAMgrouplifehealthinsurersbcarrequiredcapitalcomponentshttps://www.neamgroup.com/hubfs/articles/2018/Perspectives%20-%20AM%20Best%20New%20BCAR/NEAMgroup-efficient-frontier-comparison.jpgNEAMgroupefficientfrontiercomparisonNEAMgroupefficientfrontiercomparisonhttps://www.neamgroup.com/hubfs/articles/NEAM-ROE-DuPont-formula.jpgNEAMROEDuPontformulaNEAMROEDuPontformulahttps://www.neamgroup.com/hubfs/articles/2018/Perspectives%20-%20AM%20Best%20New%20BCAR/NEAMgroup-baseline-optimal-portfolio-configuration-based-on-old-and-new-bcar.jpgNEAMgroupbaselineoptimalportfolioconfigurationbasedonoldandnewbcarNEAMgroupbaselineoptimalportfolioconfigurationbasedonoldandnewbcarhttps://www.neamgroup.com/hubfs/articles/2018/Perspectives%20-%20AM%20Best%20New%20BCAR/NEAMgroup-optimail-portfolio-configuration-based-on-old-and-new-bcar-with-duration.jpgNEAMgroupoptimailportfolioconfigurationbasedonoldandnewbcarwithdurationNEAMgroupoptimailportfolioconfigurationbasedonoldandnewbcarwithdurationhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/articles/2018/Perspectives%20-%20AM%20Best%20New%20BCAR/NEAMgroup-optimail-portfolio-configuration-based-on-old-and-new-bcar-C1-with-duration.jpgNEAMgroupoptimailportfolioconfigurationbasedonoldandnewbcarC1withdurationNEAMgroupoptimailportfolioconfigurationbasedonoldandnewbcarC1withdurationhttps://www.neamgroup.com/hubfs/articles/2018/Perspectives%20-%20AM%20Best%20New%20BCAR/bcarimpact.jpgbcarimpactbcarimpacthttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORS2018-11-21https://www.neamgroup.com/insights/volatilityhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/articles/2017/Outlook%20-%20Q2%202017%20Equity%20Review/NEAM_group_S&P_500_Rolling_Annual_Standard_Deviation.jpgNEAMgroupSP500RollingAnnualStandardDeviationNEAMgroupSP500RollingAnnualStandardDeviationhttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/articles/2017/Outlook%20-%20Q2%202017%20Equity%20Review/NEAM_group_Profit_Margins_and_Volatility.jpgNEAMgroupProfitMarginsandVolatilityNEAMgroupProfitMarginsandVolatilityhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2017/Outlook%20-%20Q2%202017%20Equity%20Review/NEAM_group_Volatility_and_Interest_Rate_Correlation.jpgNEAMgroupVolatilityandInterestRateCorrelationNEAMgroupVolatilityandInterestRateCorrelationhttps://www.neamgroup.com/hubfs/articles/2017/Outlook%20-%20Q2%202017%20Equity%20Review/NEAM_group_Estimated__of_the_S&P_500_Ownernship_of_Top_Three_ETF_Players.jpgNEAMgroupEstimatedoftheSP500OwnernshipofTopThreeETFPlayersNEAMgroupEstimatedoftheSP500OwnernshipofTopThreeETFPlayershttps://www.neamgroup.com/hubfs/articles/2017/Outlook%20-%20Q2%202017%20Equity%20Review/iStock-585156556-bw.jpgiStock585156556bwiStock585156556bwhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/Authors/Michele-Matzinger.pngMicheleMatzingerMicheleMatzinger2017-08-10https://www.neamgroup.com/insights/trade-winds-march-2025https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/articles/tradewinds.jpgtradewindstradewindshttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/articles/2025/Trade%20Winds%20-%20March%202025/NEAMgroup_02_tradewinds_march_2025.jpgNEAMgroup02tradewindsmarch2025NEAMgroup02tradewindsmarch2025https://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2025/Trade%20Winds%20-%20March%202025/NEAMgroup_01_tradewinds_march_2025.jpgNEAMgroup01tradewindsmarch2025NEAMgroup01tradewindsmarch2025https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/articles/2025/Trade%20Winds%20-%20March%202025/NEAMgroup_03_tradewinds_march_2025.jpgNEAMgroup03tradewindsmarch2025NEAMgroup03tradewindsmarch2025https://www.neamgroup.com/hubfs/articles/2025/Trade%20Winds%20-%20March%202025/NEAMgroup_04_tradewinds_march_2025.jpgNEAMgroup04tradewindsmarch2025NEAMgroup04tradewindsmarch2025https://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/articles/2025/Trade%20Winds%20-%20March%202025/NEAMgroup_07_tradewinds_march_2025.jpgNEAMgroup07tradewindsmarch2025NEAMgroup07tradewindsmarch2025https://www.neamgroup.com/hubfs/articles/2025/Trade%20Winds%20-%20March%202025/NEAMgroup_06_tradewinds_march_2025.jpgNEAMgroup06tradewindsmarch2025NEAMgroup06tradewindsmarch2025https://www.neamgroup.com/hubfs/articles/2025/Trade%20Winds%20-%20March%202025/NEAMgroup_08_tradewinds_march_2025.jpgNEAMgroup08tradewindsmarch2025NEAMgroup08tradewindsmarch2025https://www.neamgroup.com/hubfs/Authors/Coley-Lynch.pngColeyLynchColeyLynchhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/articles/2025/Trade%20Winds%20-%20March%202025/NEAMgroup_05_tradewinds_march_2025.jpgNEAMgroup05tradewindsmarch2025NEAMgroup05tradewindsmarch2025https://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearch2025-03-07https://www.neamgroup.com/unsubscribehttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenu2016-09-16https://www.neamgroup.com/media-center/neam-speaks-at-insurance-insiders-london-market-livehttps://www.neamgroup.com/hubfs/assets/videos/Fireside%20Chat%20with%20Bill%20Rotatori%20-%20London%20Market%20Live%205.11.2020.mp4/medium.jpgFireside Chat with Bill Rotatori - London Market Live 5.11.2020Fireside Chat with Bill Rotatori - London Market Live 5.11.2020https://www.neamgroup.com/hubfs/assets/videos/Fireside%20Chat%20with%20Bill%20Rotatori%20-%20London%20Market%20Live%205.11.2020.mp4961nonohttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/assets/images/img-logo-footer.pngNEAMLogoimglogofooterhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTop2021-02-04https://www.neamgroup.com/insights/trade-winds-september-2025https://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2025/Trade%20Winds%20-%20September%202025/NEAMgroup_03_trade_winds_sept_2025.jpgNEAMgroup03tradewindssept2025NEAMgroup03tradewindssept2025https://www.neamgroup.com/hubfs/articles/2025/Trade%20Winds%20-%20September%202025/NEAMgroup_01_trade_winds_sept_2025.jpgNEAMgroup01tradewindssept2025NEAMgroup01tradewindssept2025https://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/articles/2025/Trade%20Winds%20-%20September%202025/NEAMgroup_02_trade_winds_sept_2025.jpgNEAMgroup02tradewindssept2025NEAMgroup02tradewindssept2025https://www.neamgroup.com/hubfs/articles/2025/Trade%20Winds%20-%20September%202025/NEAMgroup_06_trade_winds_sept_2025.jpgNEAMgroup06tradewindssept2025NEAMgroup06tradewindssept2025https://www.neamgroup.com/hubfs/Authors/Coley-Lynch.pngColeyLynchColeyLynchhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/articles/2025/Trade%20Winds%20-%20September%202025/NEAMgroup_04_trade_winds_sept_2025.jpgNEAMgroup04tradewindssept2025NEAMgroup04tradewindssept2025https://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/articles/2025/Trade%20Winds%20-%20September%202025/NEAMgroup_08_trade_winds_sept_2025.jpgNEAMgroup08tradewindssept2025NEAMgroup08tradewindssept2025https://www.neamgroup.com/hubfs/articles/2025/Trade%20Winds%20-%20September%202025/NEAMgroup_05_trade_winds_sept_2025.jpgNEAMgroup05tradewindssept2025NEAMgroup05tradewindssept2025https://www.neamgroup.com/hubfs/articles/tradewinds.jpgtradewindstradewindshttps://www.neamgroup.com/hubfs/articles/2025/Trade%20Winds%20-%20September%202025/NEAMgroup_07_trade_winds_sept_2025.jpgNEAMgroup07tradewindssept2025NEAMgroup07tradewindssept20252025-09-10https://www.neamgroup.com/insights/metric-roulette-returns-risks-and-other-misnomers-with-asset-allocationhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2020/Perspectives%20-%20Metric%20Roulette/NEAMgroup_assumed_insurer_operating_data.jpgNEAMgroupassumedinsureroperatingdataNEAMgroupassumedinsureroperatingdatahttps://www.neamgroup.com/hubfs/articles/2020/Perspectives%20-%20Metric%20Roulette/NEAMgroup_calculated_monthly_returns_and_risk_adjusted_returns_by_assets.jpgNEAMgroupcalculatedmonthlyreturnsandriskadjustedreturnsbyassetsNEAMgroupcalculatedmonthlyreturnsandriskadjustedreturnsbyassetshttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/Authors/Chris-Myers.pngChrisMyersChrisMyershttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/articles/2020/Perspectives%20-%20Metric%20Roulette/NEAMgroup_heat_map_ranking_selected_asset_classes_by_risk_adjusted_returns.jpgNEAMgroupheatmaprankingselectedassetclassesbyriskadjustedreturnsNEAMgroupheatmaprankingselectedassetclassesbyriskadjustedreturnshttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/articles/2020/Perspectives%20-%20Metric%20Roulette/NEAMgroup_current_vs_optimized_portfolios_given_insurers_return_focus.jpgNEAMgroupcurrentvsoptimizedportfoliosgiveninsurersreturnfocusNEAMgroupcurrentvsoptimizedportfoliosgiveninsurersreturnfocushttps://www.neamgroup.com/hubfs/articles/2020/Perspectives%20-%20Metric%20Roulette/NEAMgroup_accounting_differences_in_reported_investment_returns.jpgNEAMgroupaccountingdifferencesinreportedinvestmentreturnsNEAMgroupaccountingdifferencesinreportedinvestmentreturnshttps://www.neamgroup.com/hubfs/articles/2020/Perspectives%20-%20Metric%20Roulette/NEAMgroup_investment_portfolios_and_expected_investment_returns_reported_by_insurer.jpgNEAMgroupinvestmentportfoliosandexpectedinvestmentreturnsreportedbyinsurerNEAMgroupinvestmentportfoliosandexpectedinvestmentreturnsreportedbyinsurerhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/articles/2020/Perspectives%20-%20Metric%20Roulette/metricroulette.jpgmetricroulettemetricroulettehttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowus2020-07-28https://www.neamgroup.comhttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/assets/images/Photo%20Refresh%202025/home%20-%20customer%20service.jpghomecustomerservicehomecustomerservicehttps://www.neamgroup.com/hubfs/assets/images/Photo%20Refresh%202025/home%20-decades.jpghomedecadeshomedecadeshttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/Photo%20Refresh%202025/home%20-%20primary%20focus.jpghomeprimaryfocushomeprimaryfocushttps://www.neamgroup.com/hubfs/images/featured%20image%20-%20logo.jpgNEAMlogofeaturedimagelogohttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/assets/images/img-home-technology.jpgimghometechnologyimghometechnologyhttps://www.neamgroup.com/hubfs/assets/images/slider/slider%20-%20cara%20platform.jpgslidercaraplatformslidercaraplatformhttps://www.neamgroup.com/hubfs/assets/images/img-home-investment-team_1.jpgYourinvestmentteamdownthehallimghomeinvestmentteam1https://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/assets/images/slider/slider%20-%20asset%20management.jpgsliderassetmanagementsliderassetmanagementhttps://www.neamgroup.com/hubfs/assets/images/img-home-insights_01.jpgimghomeinsights01imghomeinsights01https://www.neamgroup.com/hubfs/assets/images/img-home-focus_2.jpgimghomefocus2imghomefocus2https://www.neamgroup.com/hubfs/home/insights.jpginsightsinsightshttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/Photo%20Refresh%202025/home%20-%20team%20down%20hall.jpghometeamdownhallhometeamdownhallhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/assets/images/slider/slider%20-%20dedicated%20teams.jpgsliderdedicatedteamssliderdedicatedteams2026-02-24https://www.neamgroup.com/insights/from-ubiquitous-to-infamous-the-rise-and-fall-of-liborhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/Authors/NEAM-Group-Paul-Russo.pngNEAMGroupPaulRussoNEAMGroupPaulRussohttps://www.neamgroup.com/hubfs/articles/2017/Quick%20Takes%20-%20Rise%20and%20Fall%20LIBOR/NEAM-group-LIBOR-displayed-significantly-more-volatility-during-the-financial-crisis.jpgNEAMgroupLIBORdisplayedsignificantlymorevolatilityduringthefinancialcrisisNEAMgroupLIBORdisplayedsignificantlymorevolatilityduringthefinancialcrisishttps://www.neamgroup.com/hubfs/articles/2017/Quick%20Takes%20-%20Rise%20and%20Fall%20LIBOR/NEAM-group-LIBOR-no-longer-tied-to-acutal-interbank-lending.jpgNEAMgroupLIBORnolongertiedtoacutalinterbanklendingNEAMgroupLIBORnolongertiedtoacutalinterbanklendinghttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/articles/2017/Quick%20Takes%20-%20Rise%20and%20Fall%20LIBOR/libor.jpgliborliborhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2017/Quick%20Takes%20-%20Rise%20and%20Fall%20LIBOR/NEAM-group-BTFR-tracks-LIBOR.jpgNEAMgroupBTFRtracksLIBORNEAMgroupBTFRtracksLIBORhttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORS2018-01-04https://www.neamgroup.com/insights/returns-and-yieldshttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/articles/NEAM-Exhibit-1-P-C-Industry-Approximate-Sector-Allocation.jpgNEAMExhibit1PCIndustryApproximateSectorAllocationNEAMExhibit1PCIndustryApproximateSectorAllocationhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/articles/NEAM-Exhibit-2-Projected-Returns-for-Various-Rate-and-Spread-Scenarios.jpgNEAMExhibit2ProjectedReturnsforVariousRateandSpreadScenariosNEAMExhibit2ProjectedReturnsforVariousRateandSpreadScenarioshttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/articles/NEAM-P-C-Industry-Approximate-Secto-Allocation.jpgNEAMPCIndustryApproximateSectoAllocationNEAMPCIndustryApproximateSectoAllocationhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/Authors/Vin-Delucia.pngVinDeluciaVinDeluciahttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/articles/NEAM-Exhibit-3-1-Year-Projected-Total-Return-Distribution-and-Risk-Measures.jpgNEAMExhibit31YearProjectedTotalReturnDistributionandRiskMeasuresNEAMExhibit31YearProjectedTotalReturnDistributionandRiskMeasureshttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORS2016-04-18https://www.neamgroup.com/maintenancehttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTop2016-06-17https://www.neamgroup.com/insights/nuking-our-way-to-lower-emissionshttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/articles/2022/Quick%20Takes%20-%20Nuking%20Our%20Way%20to%20Lower%20Emissions/nukingemissions.jpgnukingemissionsnukingemissionshttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/articles/2022/Quick%20Takes%20-%20Nuking%20Our%20Way%20to%20Lower%20Emissions/NEAMgroup_cleanest_sources_of_energy.jpgNEAMgroupcleanestsourcesofenergyNEAMgroupcleanestsourcesofenergyhttps://www.neamgroup.com/hubfs/articles/2022/Quick%20Takes%20-%20Nuking%20Our%20Way%20to%20Lower%20Emissions/NEAMgroup_safest_sources_of_energy.jpgNEAMgroupsafestsourcesofenergyNEAMgroupsafestsourcesofenergyhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2022/Quick%20Takes%20-%20Nuking%20Our%20Way%20to%20Lower%20Emissions/NEAMgroup_percentage_global_energy.jpgNEAMgrouppercentageglobalenergyNEAMgrouppercentageglobalenergyhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/Authors/NEAM-Andy-Brown.pngNEAMAndyBrownNEAMAndyBrownhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterR2022-06-15https://www.neamgroup.com/insights/a-portfolio-of-war-and-peace-the-esg-defence-dilemmahttps://www.neamgroup.com/hubfs/articles/2025/Quick%20Takes%20-%20Portfolio%20of%20War%20and%20Peace/warandpeace.jpgwarandpeacewarandpeacehttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/articles/2025/Quick%20Takes%20-%20Portfolio%20of%20War%20and%20Peace/NEAMgroup_NATO_spending_targets.jpgNEAMgroupNATOspendingtargetsNEAMgroupNATOspendingtargetshttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/Our%20Team/NEAM-Group-Kasha-Mleko.pngNEAMGroupKashaMlekoNEAMGroupKashaMlekohttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2025/Quick%20Takes%20-%20Portfolio%20of%20War%20and%20Peace/NEAMgroup_SSA_bond_supply.jpgNEAMgroupSSAbondsupplyNEAMgroupSSAbondsupplyhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenu2025-11-25https://www.neamgroup.com/media-center/gr-neam-names-new-presidenthttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdown2016-06-13https://www.neamgroup.com/insights/the-song-remains-the-samehttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/articles/NEAM-Chart-4-Fed-Tightening-and-Corporate-Spreads.pngNEAMChart4FedTighteningandCorporateSpreadsNEAMChart4FedTighteningandCorporateSpreadshttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/articles/NEAM-Chart-3-World-Growth-Estimates.pngNEAMChart3WorldGrowthEstimatesNEAMChart3WorldGrowthEstimateshttps://www.neamgroup.com/hubfs/articles/NEAM-Fed-Balance-Sheet-Growth.pngNEAMFedBalanceSheetGrowthNEAMFedBalanceSheetGrowthhttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/articles/NEAM-Chart-5Policyholder-Surplus2006-Q4-2015-Q2.pngNEAMChart5PolicyholderSurplus2006Q42015Q2NEAMChart5PolicyholderSurplus2006Q42015Q2https://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/NEAM-Calvin-Clark-Jr.pngNEAMCalvinClarkJrNEAMCalvinClarkJrhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/articles/NEAM-Chart-2-Rate-Expectations-With-Longer-Term.pngNEAMChart2RateExpectationsWithLongerTermNEAMChart2RateExpectationsWithLongerTermhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/articles/NEAM-Chart-6-Net-Yield-on-PC-Insurance-Invested-Assets-2007-2015.pngNEAMChart6NetYieldonPCInsuranceInvestedAssets20072015NEAMChart6NetYieldonPCInsuranceInvestedAssets20072015https://www.neamgroup.com/hubfs/articles/NEAM-Chart-1-Fed-Balance-Sheet-Growth.pngNEAMChart1FedBalanceSheetGrowthNEAMChart1FedBalanceSheetGrowth2016-04-12https://www.neamgroup.com/our-storyhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/web%20NEAM%20B_Rotatori%20Formal_BW.jpgwebNEAMBRotatoriFormalBWwebNEAMBRotatoriFormalBWhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORS2026-02-24https://www.neamgroup.com/media-center/neam-is-named-a-winner-of-the-hartford-courants-top-workplaces-2024-awardhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/images/featured%20image%20-%20logo.jpgNEAMlogofeaturedimagelogohttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford20242024-10-24https://www.neamgroup.com/insights/market-messaginghttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/Authors/Michele-Matzinger.pngMicheleMatzingerMicheleMatzingerhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/marketmessaging.jpgmarketmessagingmarketmessaginghttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/articles/2018/Outlook%20-%202Q%202018/NEAMgroup_S&P_500_Concentration.jpgNEAMgroupSP500ConcentrationNEAMgroupSP500Concentrationhttps://www.neamgroup.com/hubfs/articles/2018/Outlook%20-%202Q%202018/NEAMgroup_Sector_Components.jpgNEAMgroupSectorComponentsNEAMgroupSectorComponentshttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/articles/2018/Outlook%20-%202Q%202018/NEAMgroup_Size_and_Trade_Risk.jpgNEAMgroupSizeandTradeRiskNEAMgroupSizeandTradeRiskhttps://www.neamgroup.com/hubfs/articles/2018/Outlook%20-%202Q%202018/NEAMgroup_US_Inflation.jpgNEAMgroupUSInflationNEAMgroupUSInflationhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/articles/2018/Outlook%20-%202Q%202018/NEAMgroup_US_Investment_Grade_to_High_Yield_Spread_Comparison.jpgNEAMgroupUSInvestmentGradetoHighYieldSpreadComparisonNEAMgroupUSInvestmentGradetoHighYieldSpreadComparisonhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowus2018-07-24https://www.neamgroup.com/insights/implications-of-negative-yields-in-europehttps://www.neamgroup.com/hubfs/Authors/NEAM-John-Connelly.pngNEAMJohnConnellyNEAMJohnConnellyhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterR2016-04-13https://www.neamgroup.com/media-center/pr-private-placementhttps://www.neamgroup.com/hubfs/images/featured%20image%20-%20logo.jpgNEAMlogofeaturedimagelogohttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterR2024-07-08https://www.neamgroup.com/insights/impact-of-tax-reformhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/articles/2018/Quick%20Takes%20-%20Tax%20Reform/taxreform.jpgtaxreformtaxreformhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/articles/2018/Quick%20Takes%20-%20Tax%20Reform/NEAMgroup-tax-treatment-of-muni-bonds.jpgNEAMgrouptaxtreatmentofmunibondsNEAMgrouptaxtreatmentofmunibondshttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/articles/2018/Quick%20Takes%20-%20Tax%20Reform/NEAMgroup-tax-treatment-of-drd-eligible-stocks.jpgNEAMgrouptaxtreatmentofdrdeligiblestocksNEAMgrouptaxtreatmentofdrdeligiblestockshttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2018/Quick%20Takes%20-%20Tax%20Reform/NEAMgroup-after-tax-yield-curve-compare.jpgNEAMgroupaftertaxyieldcurvecompareNEAMgroupaftertaxyieldcurvecomparehttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/Authors/Sean-T-Coughlin.pngSeanTCoughlinSeanTCoughlinhttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/articles/2018/Quick%20Takes%20-%20Tax%20Reform/NEAMgroup-municipal-bond-market-ownership-base.jpgNEAMgroupmunicipalbondmarketownershipbaseNEAMgroupmunicipalbondmarketownershipbasehttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMR2018-02-05https://www.neamgroup.com/insights/trade-winds-april-2025https://www.neamgroup.com/hubfs/articles/2025/Trade%20Winds%20-%20April%202025/NEAMgroup_03_trade_winds_april_25.jpgNEAMgroup03tradewindsapril25NEAMgroup03tradewindsapril25https://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/articles/2025/Trade%20Winds%20-%20April%202025/NEAMgroup_08_trade_winds_april_25.jpgNEAMgroup08tradewindsapril25NEAMgroup08tradewindsapril25https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/articles/2025/Trade%20Winds%20-%20April%202025/NEAMgroup_05_trade_winds_april_25.jpgNEAMgroup05tradewindsapril25NEAMgroup05tradewindsapril25https://www.neamgroup.com/hubfs/articles/2025/Trade%20Winds%20-%20April%202025/NEAMgroup_02_trade_winds_april_25.jpgNEAMgroup02tradewindsapril25NEAMgroup02tradewindsapril25https://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/articles/2025/Trade%20Winds%20-%20April%202025/NEAMgroup_07_trade_winds_april_25.jpgNEAMgroup07tradewindsapril25NEAMgroup07tradewindsapril25https://www.neamgroup.com/hubfs/articles/tradewinds.jpgtradewindstradewindshttps://www.neamgroup.com/hubfs/articles/2025/Trade%20Winds%20-%20April%202025/NEAMgroup_06_trade_winds_april_25.jpgNEAMgroup06tradewindsapril25NEAMgroup06tradewindsapril25https://www.neamgroup.com/hubfs/articles/2025/Trade%20Winds%20-%20April%202025/NEAMgroup_01_trade_winds_april_25.jpgNEAMgroup01tradewindsapril25NEAMgroup01tradewindsapril25https://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2025/Trade%20Winds%20-%20April%202025/NEAMgroup_04_trade_winds_april_25.jpgNEAMgroup04tradewindsapril25NEAMgroup04tradewindsapril25https://www.neamgroup.com/hubfs/Authors/Coley-Lynch.pngColeyLynchColeyLynchhttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORS2025-04-08https://www.neamgroup.com/insights/fiscal-unsustainabilityhttps://www.neamgroup.com/hubfs/articles/2024/Quick%20Takes%20-%20Fiscal%20Unsustainability/NEAMgroup_03_federal_budget_2024.jpgNEAMgroup03federalbudget2024NEAMgroup03federalbudget2024https://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/articles/2024/Quick%20Takes%20-%20Fiscal%20Unsustainability/NEAMgroup_02_holders_US_treasuries.jpgNEAMgroup02holdersUStreasuriesNEAMgroup02holdersUStreasurieshttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/articles/2024/Quick%20Takes%20-%20Fiscal%20Unsustainability/fiscalunsustain.jpgfiscalunsustainfiscalunsustainhttps://www.neamgroup.com/hubfs/Authors/NEAM-Jennifer-Quisenberry.pngNEAMJenniferQuisenberryNEAMJenniferQuisenberryhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/articles/2024/Quick%20Takes%20-%20Fiscal%20Unsustainability/NEAMgroup_01_budget_surplus_deficit_percent_GDP.jpgNEAMgroup01budgetsurplusdeficitpercentGDPNEAMgroup01budgetsurplusdeficitpercentGDPhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTop2024-09-10https://www.neamgroup.com/insights/trade-winds-july-2025https://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/articles/2025/Trade%20Winds%20-%20July%202025/NEAMgroup_08_tradewinds_07_2025.jpgNEAMgroup08tradewinds072025NEAMgroup08tradewinds072025https://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/articles/2025/Trade%20Winds%20-%20July%202025/NEAMgroup_02_tradewinds_07_2025.jpgNEAMgroup02tradewinds072025NEAMgroup02tradewinds072025https://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/articles/2025/Trade%20Winds%20-%20July%202025/NEAMgroup_01_tradewinds_07_2025.jpgNEAMgroup01tradewinds072025NEAMgroup01tradewinds072025https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/articles/2025/Trade%20Winds%20-%20July%202025/NEAMgroup_07_tradewinds_07_2025.jpgNEAMgroup07tradewinds072025NEAMgroup07tradewinds072025https://www.neamgroup.com/hubfs/articles/tradewinds.jpgtradewindstradewindshttps://www.neamgroup.com/hubfs/Authors/Coley-Lynch.pngColeyLynchColeyLynchhttps://www.neamgroup.com/hubfs/articles/2025/Trade%20Winds%20-%20July%202025/NEAMgroup_05_tradewinds_07_2025.jpgNEAMgroup05tradewinds072025NEAMgroup05tradewinds072025https://www.neamgroup.com/hubfs/articles/2025/Trade%20Winds%20-%20July%202025/NEAMgroup_06_tradewinds_07_2025.jpgNEAMgroup06tradewinds072025NEAMgroup06tradewinds072025https://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/articles/2025/Trade%20Winds%20-%20July%202025/NEAMgroup_03_tradewinds_07_2025.jpgNEAMgroup03tradewinds072025NEAMgroup03tradewinds072025https://www.neamgroup.com/hubfs/articles/2025/Trade%20Winds%20-%20July%202025/NEAMgroup_04_tradewinds_07_2025.jpgNEAMgroup04tradewinds072025NEAMgroup04tradewinds072025https://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORS2025-07-08https://www.neamgroup.com/media-center/gr-neam-hires-christopher-myershttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydown2016-06-13https://www.neamgroup.com/insights/first-quarter-2016-equity-reviewhttps://www.neamgroup.com/hubfs/articles/NEAM-Chart-3-Lack-of-Pricing-Power.pngNEAMChart3LackofPricingPowerNEAMChart3LackofPricingPowerhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/articles/NEAM-Chart-4-Credit-Conditions.pngNEAMChart4CreditConditionsNEAMChart4CreditConditionshttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/articles/Chart-2-Business-Cycle-and-Profit-Margins-Non-Financial-Corporate-Net-Profits-Margins.pngChart2BusinessCycleandProfitMarginsNonFinancialCorporateNetProfitsMarginsChart2BusinessCycleandProfitMarginsNonFinancialCorporateNetProfitsMarginshttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/articles/Chart-1-Net-Profit-Margins-of-the-SP-500-Corporate-Profitability.pngChart1NetProfitMarginsoftheSP500CorporateProfitabilityChart1NetProfitMarginsoftheSP500CorporateProfitabilityhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/Authors/Michele-Matzinger.pngMicheleMatzingerMicheleMatzingerhttps://www.neamgroup.com/hubfs/articles/NEAM-First-Quarter-Equity-Reivew-2016.pngNEAMFirstQuarterEquityReivew2016NEAMFirstQuarterEquityReivew20162016-08-09https://www.neamgroup.com/media-center/neam-limited-appoints-new-head-of-sustainability-europehttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/images/featured%20image%20-%20logo.jpgNEAMlogofeaturedimagelogohttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMR2024-06-25https://www.neamgroup.com/insights/2021-u.s.-life-industry-investment-highlights-welcoming-the-rising-rateshttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/articles/2022/Perspectives%20-%20Life%20Industry%20Results/NEAMgroup_05_fixed_income_sector_OAD.jpgNEAMgroup05fixedincomesectorOADNEAMgroup05fixedincomesectorOADhttps://www.neamgroup.com/hubfs/articles/2022/Perspectives%20-%20Life%20Industry%20Results/NEAMgroup_02_earned_investment_income.jpgNEAMgroup02earnedinvestmentincomeNEAMgroup02earnedinvestmentincomehttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2022/Perspectives%20-%20Life%20Industry%20Results/liferesults2022.jpgliferesults2022liferesults2022https://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/articles/2022/Perspectives%20-%20Life%20Industry%20Results/NEAMgroup_01_broad_sector_asset_allocation.jpgNEAMgroup01broadsectorassetallocationNEAMgroup01broadsectorassetallocationhttps://www.neamgroup.com/hubfs/articles/2022/Perspectives%20-%20Life%20Industry%20Results/NEAMgroup_03_earned_investment_income_contribution_sector.jpgNEAMgroup03earnedinvestmentincomecontributionsectorNEAMgroup03earnedinvestmentincomecontributionsectorhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/articles/2022/Perspectives%20-%20Life%20Industry%20Results/NEAMgroup_06_fixed_income_duration_credit_rating_category.jpgNEAMgroup06fixedincomedurationcreditratingcategoryNEAMgroup06fixedincomedurationcreditratingcategoryhttps://www.neamgroup.com/hubfs/Authors/Mark-Yu.pngMarkYuMarkYuhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/articles/2022/Perspectives%20-%20Life%20Industry%20Results/NEAMgroup_C02_fixed_income_credit_quality.jpgNEAMgroupC02fixedincomecreditqualityNEAMgroupC02fixedincomecreditqualityhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/articles/2022/Perspectives%20-%20Life%20Industry%20Results/NEAMgroup_C01_fixed_income_sector_allocation.jpgNEAMgroupC01fixedincomesectorallocationNEAMgroupC01fixedincomesectorallocationhttps://www.neamgroup.com/hubfs/articles/2022/Perspectives%20-%20Life%20Industry%20Results/NEAMgroup_C03_fixed_income_book_yields.jpgNEAMgroupC03fixedincomebookyieldsNEAMgroupC03fixedincomebookyieldshttps://www.neamgroup.com/hubfs/articles/2022/Perspectives%20-%20Life%20Industry%20Results/NEAMgroup_04_fixed_income_sector_book_yield.jpgNEAMgroup04fixedincomesectorbookyieldNEAMgroup04fixedincomesectorbookyield2022-08-16https://www.neamgroup.com/insights/pacific-gas-electric-companys-fall-from-investment-grade-into-bankruptcyhttps://www.neamgroup.com/hubfs/articles/2019/Quick%20Takes%20-%20Pacific%20Gas%20and%20Electric%20Co/NEAMgroup_price_for_pcg_during_two_years_prior_to_bankruptcy.jpgNEAMgrouppriceforpcgduringtwoyearspriortobankruptcyNEAMgrouppriceforpcgduringtwoyearspriortobankruptcyhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/Authors/Sean-Conaghan.pngSeanConaghanSeanConaghanhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/articles/2019/Quick%20Takes%20-%20Pacific%20Gas%20and%20Electric%20Co/pgc.jpgpgcpgchttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/articles/2019/Quick%20Takes%20-%20Pacific%20Gas%20and%20Electric%20Co/NEAMgroup_moddys_investment_grade_corporate_default_rate.jpgNEAMgroupmoddysinvestmentgradecorporatedefaultrateNEAMgroupmoddysinvestmentgradecorporatedefaultratehttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORS2019-04-02https://www.neamgroup.com/insights/stress-testing-avoiding-a-collision-with-the-past-in-the-futurehttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/articles/NEAM-Table-5-Total-Return-Drawdowns-Associated-With-Maximum-Spread-Widening.jpgNEAMTable5TotalReturnDrawdownsAssociatedWithMaximumSpreadWideningNEAMTable5TotalReturnDrawdownsAssociatedWithMaximumSpreadWideninghttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/NEAM-James-E-Bachman.pngNEAMJamesEBachmanNEAMJamesEBachmanhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/articles/NEAM-Table-7-Maximum-Total-Return-Drawdowns-Associated-with-US-Economic-Cycles.jpgNEAMTable7MaximumTotalReturnDrawdownsAssociatedwithUSEconomicCyclesNEAMTable7MaximumTotalReturnDrawdownsAssociatedwithUSEconomicCycleshttps://www.neamgroup.com/hubfs/articles/NEAM-Table-2-5-Year-U.S.-Government-Maximum-Percent-Rate-Change-1962-2014.jpgNEAMTable25YearUSGovernmentMaximumPercentRateChange19622014NEAMTable25YearUSGovernmentMaximumPercentRateChange19622014https://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/articles/NEAM-Table-8-Worst-Monthly-and-Annual-End-of-Period-Loss-1962-2014.jpgNEAMTable8WorstMonthlyandAnnualEndofPeriodLoss19622014NEAMTable8WorstMonthlyandAnnualEndofPeriodLoss19622014https://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/articles/NEAM-Chart-1-US-Property-Casualty-Combined-Ratios-and-Government-Bond-Yields.jpgNEAMChart1USPropertyCasualtyCombinedRatiosandGovernmentBondYieldsNEAMChart1USPropertyCasualtyCombinedRatiosandGovernmentBondYieldshttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/articles/NEAM-Table-4-S-P-500-Maximum-Total-Return-Drawdowns-1962-2014.jpgNEAMTable4SP500MaximumTotalReturnDrawdowns19622014NEAMTable4SP500MaximumTotalReturnDrawdowns19622014https://www.neamgroup.com/hubfs/articles/NEAM-Table-9-Maximum-Monthly-and-Annual-Intra-Period-Drawdowns-1962-2014.jpgNEAMTable9MaximumMonthlyandAnnualIntraPeriodDrawdowns19622014NEAMTable9MaximumMonthlyandAnnualIntraPeriodDrawdowns19622014https://www.neamgroup.com/hubfs/articles/NEAM-Table-6-Maximum-Total-Return-Drawdowns-Associated-With-Name-Specific-Events.jpgNEAMTable6MaximumTotalReturnDrawdownsAssociatedWithNameSpecificEventsNEAMTable6MaximumTotalReturnDrawdownsAssociatedWithNameSpecificEventshttps://www.neamgroup.com/hubfs/NEAM-Table-1.jpgNEAMTable1NEAMTable1https://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/articles/NEAM-Table-3-20-Year-Corporate-BBB-Maximum-Total-Return-Drawdowns-1962-2014.jpgNEAMTable320YearCorporateBBBMaximumTotalReturnDrawdowns19622014NEAMTable320YearCorporateBBBMaximumTotalReturnDrawdowns19622014https://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowus2016-08-15https://www.neamgroup.com/our-story/non-ushttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/web%20NEAM%20B_Rotatori%20Formal_BW.jpgwebNEAMBRotatoriFormalBWwebNEAMBRotatoriFormalBWhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMR2026-02-24https://www.neamgroup.com/insights/the-european-gas-crisis-from-russia-with-no-lovehttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/articles/2023/Quick%20Takes%20-%20Russian%20Gas%20Crisis/NEAMgroup_EU_electricity_generation_energy_source.jpgNEAMgroupEUelectricitygenerationenergysourceNEAMgroupEUelectricitygenerationenergysourcehttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2023/Quick%20Takes%20-%20Russian%20Gas%20Crisis/russiangascrisis.jpgrussiangascrisisrussiangascrisishttps://www.neamgroup.com/hubfs/articles/2023/Quick%20Takes%20-%20Russian%20Gas%20Crisis/NEAMgroup_electricity_pricing.jpgNEAMgroupelectricitypricingNEAMgroupelectricitypricinghttps://www.neamgroup.com/hubfs/Authors/NEAM-group-Fergus-Woods.pngNEAMgroupFergusWoodsNEAMgroupFergusWoodshttps://www.neamgroup.com/hubfs/articles/2023/Quick%20Takes%20-%20Russian%20Gas%20Crisis/NEAMgroup_natural_gas_prices.jpgNEAMgroupnaturalgaspricesNEAMgroupnaturalgaspriceshttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/articles/2023/Quick%20Takes%20-%20Russian%20Gas%20Crisis/NEAMgroup_EU_gas_supply_BCM.jpgNEAMgroupEUgassupplyBCMNEAMgroupEUgassupplyBCMhttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford20242023-02-06https://www.neamgroup.com/insights/analyzing-the-investment-profile-of-medical-professional-liability-insurers-through-the-lens-of-risk-rewardhttps://www.neamgroup.com/hubfs/articles/2023/Perspectives%20-%20MPL%20Risk%20and%20Reward/NEAMgroup_04_risk_assets_percentage_surplus.jpgNEAMgroup04riskassetspercentagesurplusNEAMgroup04riskassetspercentagesurplushttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/Authors/NEAM-phil-lee.pngNEAMphilleeNEAMphilleehttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2023/Perspectives%20-%20MPL%20Risk%20and%20Reward/NEAMgroup_02_net_investment_income.jpgNEAMgroup02netinvestmentincomeNEAMgroup02netinvestmentincomehttps://www.neamgroup.com/hubfs/articles/2023/Perspectives%20-%20MPL%20Risk%20and%20Reward/MPLrisk.jpgMPLriskMPLriskhttps://www.neamgroup.com/hubfs/articles/2023/Perspectives%20-%20MPL%20Risk%20and%20Reward/NEAMgroup_09_comparison_fixed_income_portfolio_oad.jpgNEAMgroup09comparisonfixedincomeportfoliooadNEAMgroup09comparisonfixedincomeportfoliooadhttps://www.neamgroup.com/hubfs/articles/2023/Perspectives%20-%20MPL%20Risk%20and%20Reward/NEAMgroup_06_comparison_fixed_income_portfolio_book_yield_sector.jpgNEAMgroup06comparisonfixedincomeportfoliobookyieldsectorNEAMgroup06comparisonfixedincomeportfoliobookyieldsectorhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/articles/2023/Perspectives%20-%20MPL%20Risk%20and%20Reward/NEAMgroup_01_surplus_invested_assets_premium_trend.jpgNEAMgroup01surplusinvestedassetspremiumtrendNEAMgroup01surplusinvestedassetspremiumtrendhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2023/Perspectives%20-%20MPL%20Risk%20and%20Reward/NEAMgroup_08_fixed_income_credit_quality_distribution.jpgNEAMgroup08fixedincomecreditqualitydistributionNEAMgroup08fixedincomecreditqualitydistributionhttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/articles/2023/Perspectives%20-%20MPL%20Risk%20and%20Reward/NEAMgroup_07_fixed_income_book_yield_comparison_sector.jpgNEAMgroup07fixedincomebookyieldcomparisonsectorNEAMgroup07fixedincomebookyieldcomparisonsectorhttps://www.neamgroup.com/hubfs/articles/2023/Perspectives%20-%20MPL%20Risk%20and%20Reward/NEAMgroup_10_MPL_writers_book_yiekd_risk_Score.jpgNEAMgroup10MPLwritersbookyiekdriskScoreNEAMgroup10MPLwritersbookyiekdriskScorehttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/articles/2023/Perspectives%20-%20MPL%20Risk%20and%20Reward/NEAMgroup_05_comparison_fixed_income_portfolio_book_yield.jpgNEAMgroup05comparisonfixedincomeportfoliobookyieldNEAMgroup05comparisonfixedincomeportfoliobookyieldhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/articles/2023/Perspectives%20-%20MPL%20Risk%20and%20Reward/NEAMgroup_03_invested_assets_sector_composition.jpgNEAMgroup03investedassetssectorcompositionNEAMgroup03investedassetssectorcomposition2024-02-01https://www.neamgroup.com/insights/european-banks-from-part-of-the-problem-to-part-of-the-solutionhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/articles/NEAM-Chart-1-European-Banks-Positive-Capital-Evolution.pngNEAMChart1EuropeanBanksPositiveCapitalEvolutionNEAMChart1EuropeanBanksPositiveCapitalEvolutionhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/articles/NEAM_European-Banks-Positive-Capital-Evolution.jpgNEAMEuropeanBanksPositiveCapitalEvolutionNEAMEuropeanBanksPositiveCapitalEvolutionhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/Authors/John-Dockery.pngJohnDockeryJohnDockeryhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/articles/NEAM-Chart-2-Euro-Area-Bank-Lending-Standards-and-Loan-Demand.pngNEAMChart2EuroAreaBankLendingStandardsandLoanDemandNEAMChart2EuroAreaBankLendingStandardsandLoanDemandhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORS2016-04-13https://www.neamgroup.com/insights/trade-winds-february-2025https://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/articles/2025/Trade%20Winds%20-%20February%202025/NEAMgroup_01_tradewinds_feb25.jpgNEAMgroup01tradewindsfeb25NEAMgroup01tradewindsfeb25https://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2025/Trade%20Winds%20-%20February%202025/NEAMgroup_03_tradewinds_feb25.jpgNEAMgroup03tradewindsfeb25NEAMgroup03tradewindsfeb25https://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/articles/tradewinds.jpgtradewindstradewindshttps://www.neamgroup.com/hubfs/Authors/Coley-Lynch.pngColeyLynchColeyLynchhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/articles/2025/Trade%20Winds%20-%20February%202025/NEAMgroup_04_tradewinds_feb25.jpgNEAMgroup04tradewindsfeb25NEAMgroup04tradewindsfeb25https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/articles/2025/Trade%20Winds%20-%20February%202025/NEAMgroup_07_tradewinds_feb25.jpgNEAMgroup07tradewindsfeb25NEAMgroup07tradewindsfeb25https://www.neamgroup.com/hubfs/articles/2025/Trade%20Winds%20-%20February%202025/NEAMgroup_06_tradewinds_feb25.jpgNEAMgroup06tradewindsfeb25NEAMgroup06tradewindsfeb25https://www.neamgroup.com/hubfs/articles/2025/Trade%20Winds%20-%20February%202025/NEAMgroup_08_tradewinds_feb25.jpgNEAMgroup08tradewindsfeb25NEAMgroup08tradewindsfeb25https://www.neamgroup.com/hubfs/articles/2025/Trade%20Winds%20-%20February%202025/NEAMgroup_05_tradewinds_feb25.jpgNEAMgroup05tradewindsfeb25NEAMgroup05tradewindsfeb25https://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/articles/2025/Trade%20Winds%20-%20February%202025/NEAMgroup_02_tradewinds_feb25.jpgNEAMgroup02tradewindsfeb25NEAMgroup02tradewindsfeb252025-02-07https://www.neamgroup.com/contact-2https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTop2017-09-28https://www.neamgroup.com/we-are-new-england-asset-managementhttps://www.neamgroup.com/hubfs/assets/videos/WeAreNEAM_60_FINAL.mp4/medium.jpgWeAreNEAM_60_FINALWeAreNEAM_60_FINALhttps://www.neamgroup.com/hubfs/assets/videos/WeAreNEAM_60_FINAL.mp460nonohttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMR2021-04-29https://www.neamgroup.com/insights/2013-bermuda-highlights-headwinds-persist-but-strong-underwriting-results-drive-profitabilityhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/articles/NEAM-Table-1-Peer-Group.jpgNEAMTable1PeerGroupNEAMTable1PeerGrouphttps://www.neamgroup.com/hubfs/table_4-asset_allocation.jpgtable4assetallocationtable4assetallocationhttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/articles/NEAM-Table-5-Rating-Distribution.jpgNEAMTable5RatingDistributionNEAMTable5RatingDistributionhttps://www.neamgroup.com/hubfs/articles/NEAM-Table-6-Underwriting-Performance-Highlights.jpgNEAMTable6UnderwritingPerformanceHighlightsNEAMTable6UnderwritingPerformanceHighlightshttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/articles/NEAM-Chart-1-Stock-Total-Returns-and-Volatility.jpgNEAMChart1StockTotalReturnsandVolatilityNEAMChart1StockTotalReturnsandVolatilityhttps://www.neamgroup.com/hubfs/articles/NEAM-Table-3-Price-to-Book-and-Price-to-Earnings-Ratios-of-Peer-Group.jpgNEAMTable3PricetoBookandPricetoEarningsRatiosofPeerGroupNEAMTable3PricetoBookandPricetoEarningsRatiosofPeerGrouphttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/articles/NEAM-Chart-3-Fixed-Income-Duration-As-Reported.jpgNEAMChart3FixedIncomeDurationAsReportedNEAMChart3FixedIncomeDurationAsReportedhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/articles/NEAM-Table-2-Selected-Financials-and-Performance.jpgNEAMTable2SelectedFinancialsandPerformanceNEAMTable2SelectedFinancialsandPerformancehttps://www.neamgroup.com/hubfs/articles/NEAM-Chart-2-Portfolio-Total-Returns-As-Reported.jpgNEAMChart2PortfolioTotalReturnsAsReportedNEAMChart2PortfolioTotalReturnsAsReportedhttps://www.neamgroup.com/hubfs/articles/NEAM-Table-7-Catastrophe-Impact-on-Combined-Ratio.jpgNEAMTable7CatastropheImpactonCombinedRatioNEAMTable7CatastropheImpactonCombinedRatiohttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterR2016-08-15https://www.neamgroup.com/insights/animal-spiritshttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/articles/2017/Outlook_Q1%202017_Animal%20Spirits/animalspirits.jpganimalspiritsanimalspiritshttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/articles/2017/Outlook_Q1%202017_Animal%20Spirits/Neam_group_Comparative_Risk_Asset_Pricing.jpgNeamgroupComparativeRiskAssetPricingNeamgroupComparativeRiskAssetPricinghttps://www.neamgroup.com/hubfs/articles/2017/Outlook_Q1%202017_Animal%20Spirits/Neam_group_Business_Confidence_Capital_Expenditures_and_Real_GDP_Growth.jpgNeamgroupBusinessConfidenceCapitalExpendituresandRealGDPGrowthNeamgroupBusinessConfidenceCapitalExpendituresandRealGDPGrowthhttps://www.neamgroup.com/hubfs/Authors/Michele-Matzinger.pngMicheleMatzingerMicheleMatzingerhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/articles/2017/Outlook_Q1%202017_Animal%20Spirits/Neam_group_Consumer_Confidence_vs_Spending_and_Income.jpgNeamgroupConsumerConfidencevsSpendingandIncomeNeamgroupConsumerConfidencevsSpendingandIncomehttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/articles/2017/Outlook_Q1%202017_Animal%20Spirits/Neam_group_Animal_Spirits_Potentially_Impacting_Already_Robust_M&A.jpgNeamgroupAnimalSpiritsPotentiallyImpactingAlreadyRobustMANeamgroupAnimalSpiritsPotentiallyImpactingAlreadyRobustMA2017-05-05https://www.neamgroup.com/insights/funds-at-lloyds-how-asset-allocation-is-changinghttps://www.neamgroup.com/hubfs/Authors/John-Dockery.pngJohnDockeryJohnDockeryhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/articles/2020/Quick%20Takes%20-%20Funds%20at%20Lloyds%20Asset%20Allocation/NEAMgroup_letter_of_credit_in_corporate_FAL.jpgNEAMgroupletterofcreditincorporateFALNEAMgroupletterofcreditincorporateFALhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/articles/2020/Quick%20Takes%20-%20Funds%20at%20Lloyds%20Asset%20Allocation/NEAMgroup_letter_of_credit_as_a_percentage_of_corporate_FAL.jpgNEAMgroupletterofcreditasapercentageofcorporateFALNEAMgroupletterofcreditasapercentageofcorporateFALhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/articles/2020/Quick%20Takes%20-%20Funds%20at%20Lloyds%20Asset%20Allocation/fundatlloyds.jpgfundatlloydsfundatlloydshttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2020/Quick%20Takes%20-%20Funds%20at%20Lloyds%20Asset%20Allocation/NEAMgroup_allocation_shift_year_end_2008_vs_2018.jpgNEAMgroupallocationshiftyearend2008vs2018NEAMgroupallocationshiftyearend2008vs2018https://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowus2020-01-15https://www.neamgroup.com/insights/federal-home-loan-bank-programhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/articles/2017/Quick%20Takes%20-%20FHLB%202017/NEAM-group-insurance-company-FHLB-advances.jpgNEAMgroupinsurancecompanyFHLBadvancesNEAMgroupinsurancecompanyFHLBadvanceshttps://www.neamgroup.com/hubfs/articles/2017/Quick%20Takes%20-%20FHLB%202017/NEAM-group-hypothetical-investment-example.jpgNEAMgrouphypotheticalinvestmentexampleNEAMgrouphypotheticalinvestmentexamplehttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/articles/2017/Quick%20Takes%20-%20FHLB%202017/NEAM-group-insurance-company-membership-number-and-percent.jpgNEAMgroupinsurancecompanymembershipnumberandpercentNEAMgroupinsurancecompanymembershipnumberandpercenthttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/Authors/Coley-Lynch.pngColeyLynchColeyLynchhttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/articles/2017/Quick%20Takes%20-%20FHLB%202017/FHLB.jpgFHLBFHLBhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydown2017-02-07https://www.neamgroup.com/insights/third-quarter-2015-equity-reviewhttps://www.neamgroup.com/hubfs/articles/NEAM-Chart-2-SP-500-Change-in-Correlation-Among-Constituents.jpgNEAMChart2SP500ChangeinCorrelationAmongConstituentsNEAMChart2SP500ChangeinCorrelationAmongConstituentshttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/articles/NEAM-Chart-1-Federal-Reserve-Balance-Sheet-Herding-Behavior-and-ETFs.jpgNEAMChart1FederalReserveBalanceSheetHerdingBehaviorandETFsNEAMChart1FederalReserveBalanceSheetHerdingBehaviorandETFshttps://www.neamgroup.com/hubfs/articles/NEAM-Federal-Reserve-Balance-Sheet-Herding-Behavior-and-ETFs.jpgNEAMFederalReserveBalanceSheetHerdingBehaviorandETFsNEAMFederalReserveBalanceSheetHerdingBehaviorandETFshttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdown2016-08-15https://www.neamgroup.com/insights/asset-centric-vs.-enterprise-wide-optimizations-what-strategic-insights-does-a-holistic-optimization-unlockhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/Authors/NEAM-Rui-Wang.pngNEAMRuiWangNEAMRuiWanghttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/articles/2025/Perspectives%20-%20Asset%20Centric%20vs%20Enterprise/NEAMgroup_A_enterprise_efficient_frontier.jpgNEAMgroupAenterpriseefficientfrontierNEAMgroupAenterpriseefficientfrontierhttps://www.neamgroup.com/hubfs/articles/2025/Perspectives%20-%20Asset%20Centric%20vs%20Enterprise/NEAMgroup_03_comparison_strategic_asset_allocation.jpgNEAMgroup03comparisonstrategicassetallocationNEAMgroup03comparisonstrategicassetallocationhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2025/Perspectives%20-%20Asset%20Centric%20vs%20Enterprise/NEAMgroup_04_risk_return_statistics.jpgNEAMgroup04riskreturnstatisticsNEAMgroup04riskreturnstatisticshttps://www.neamgroup.com/hubfs/articles/2025/Perspectives%20-%20Asset%20Centric%20vs%20Enterprise/assetcentricventerprise.jpgassetcentricventerpriseassetcentricventerprisehttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/articles/2025/Perspectives%20-%20Asset%20Centric%20vs%20Enterprise/NEAMgroup_B_enterprise_risk_capacity.jpgNEAMgroupBenterpriseriskcapacityNEAMgroupBenterpriseriskcapacityhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/articles/2025/Perspectives%20-%20Asset%20Centric%20vs%20Enterprise/NEAMgroup_02_sequence_optimization_picking_portfolios.jpgNEAMgroup02sequenceoptimizationpickingportfoliosNEAMgroup02sequenceoptimizationpickingportfolioshttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2025/Perspectives%20-%20Asset%20Centric%20vs%20Enterprise/NEAMgroup_01_assumed_insurer_operating_data.jpgNEAMgroup01assumedinsureroperatingdataNEAMgroup01assumedinsureroperatingdatahttps://www.neamgroup.com/hubfs/articles/2025/Perspectives%20-%20Asset%20Centric%20vs%20Enterprise/NEAMgroup_05_tail_enterprise_risk_decomposition.jpgNEAMgroup05tailenterpriseriskdecompositionNEAMgroup05tailenterpriseriskdecomposition2025-03-26https://www.neamgroup.com/insights/bond-market-riotshttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2025/Quick%20Takes%20-%20Bond%20Market%20Riots/NEAMgroup_01_US_primary_budget_deficits_gdp.jpgNEAMgroup01USprimarybudgetdeficitsgdpNEAMgroup01USprimarybudgetdeficitsgdphttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/articles/2025/Quick%20Takes%20-%20Bond%20Market%20Riots/bondmarketriots.jpgbondmarketriotsbondmarketriotshttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/NEAM-William-E-Rotatori.pngNEAMWilliamERotatoriNEAMWilliamERotatorihttps://www.neamgroup.com/hubfs/articles/2025/Quick%20Takes%20-%20Bond%20Market%20Riots/NEAMgroup_04_liz_truss_mini_budget.jpgNEAMgroup04liztrussminibudgetNEAMgroup04liztrussminibudgethttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/articles/2025/Quick%20Takes%20-%20Bond%20Market%20Riots/NEAMgroup_02_sovereign_debt_percent_gdp.jpgNEAMgroup02sovereigndebtpercentgdpNEAMgroup02sovereigndebtpercentgdphttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/articles/2025/Quick%20Takes%20-%20Bond%20Market%20Riots/NEAMgroup_03_US_bond_market_vigilantes.jpgNEAMgroup03USbondmarketvigilantesNEAMgroup03USbondmarketvigilanteshttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydown2025-03-19https://www.neamgroup.com/insights/the-end-of-the-central-bank-quantitative-easing-partyhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/articles/2018/Quick%20Takes%20-%20End%20of%20QE%20Party/NEAMgroup-FOMC-fed-funds-rate.jpgNEAMgroupFOMCfedfundsrateNEAMgroupFOMCfedfundsratehttps://www.neamgroup.com/hubfs/articles/2018/Quick%20Takes%20-%20End%20of%20QE%20Party/NEAMgroup-debt-to-GDP.jpgNEAMgroupdebttoGDPNEAMgroupdebttoGDPhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/NEAM-Calvin-Clark-Jr.pngNEAMCalvinClarkJrNEAMCalvinClarkJrhttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/articles/2018/Quick%20Takes%20-%20End%20of%20QE%20Party/QEparty.jpgQEpartyQEpartyhttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/articles/2018/Quick%20Takes%20-%20End%20of%20QE%20Party/NEAMgroup-total-assets-of-four-major-central-banks.jpgNEAMgrouptotalassetsoffourmajorcentralbanksNEAMgrouptotalassetsoffourmajorcentralbankshttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/articles/2018/Quick%20Takes%20-%20End%20of%20QE%20Party/NEAMgroup-reduction-in-central-bank-purchases.jpgNEAMgroupreductionincentralbankpurchasesNEAMgroupreductionincentralbankpurchases2018-03-05https://www.neamgroup.com/insights/rates-risks-enterprise-based-asset-allocation-part-two-of-twohttps://www.neamgroup.com/hubfs/articles/2023/Perspectives%20-%20Rates%2c%20Risks%20and%20EBAA%202%20of%202/NEAMgroup_02_dupont_formula_equation.jpgNEAMgroup02dupontformulaequationNEAMgroup02dupontformulaequationhttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/articles/2023/Perspectives%20-%20Rates%2c%20Risks%20and%20EBAA%202%20of%202/NEAMgroup_03_selected_operating_statistics_case_study.jpgNEAMgroup03selectedoperatingstatisticscasestudyNEAMgroup03selectedoperatingstatisticscasestudyhttps://www.neamgroup.com/hubfs/articles/2023/Perspectives%20-%20Rates%2c%20Risks%20and%20EBAA%202%20of%202/NEAMgroup_01_trend_industry_net_realized_gain_loss.jpgNEAMgroup01trendindustrynetrealizedgainlossNEAMgroup01trendindustrynetrealizedgainlosshttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2023/Perspectives%20-%20Rates%2c%20Risks%20and%20EBAA%202%20of%202/NEAMgroup_04_outcomes_similar_enterprise_risk_scenario.jpgNEAMgroup04outcomessimilarenterpriseriskscenarioNEAMgroup04outcomessimilarenterpriseriskscenariohttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/articles/2023/Perspectives%20-%20Rates%2c%20Risks%20and%20EBAA%202%20of%202/ratesriskassetallocation-2.jpgratesriskassetallocation2ratesriskassetallocation2https://www.neamgroup.com/hubfs/Authors/Chris-Myers.pngChrisMyersChrisMyershttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdown2024-02-16https://www.neamgroup.com/insights/accelerating-change-implications-of-covid-19-on-commercial-real-estatehttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/articles/2020/Quick%20Takes%20-%20Commercial%20Real%20Estate/commercialrealestate.jpgcommercialrealestatecommercialrealestatehttps://www.neamgroup.com/hubfs/articles/2020/Quick%20Takes%20-%20Commercial%20Real%20Estate/NEAMgroup_number_of_retail_bankruptcies.jpgNEAMgroupnumberofretailbankruptciesNEAMgroupnumberofretailbankruptcieshttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/articles/2020/Quick%20Takes%20-%20Commercial%20Real%20Estate/NEAMgroup_CMBS_Total_delinquent_and_specially_serviced_loans.jpgNEAMgroupCMBSTotaldelinquentandspeciallyservicedloansNEAMgroupCMBSTotaldelinquentandspeciallyservicedloanshttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/Authors/NEAM-Chad-Zahner.pngNEAMChadZahnerNEAMChadZahnerhttps://www.neamgroup.com/hubfs/articles/2020/Quick%20Takes%20-%20Commercial%20Real%20Estate/NEAMgroup_private_label_cmbs_property_type_distribution.jpgNEAMgroupprivatelabelcmbspropertytypedistributionNEAMgroupprivatelabelcmbspropertytypedistributionhttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORS2020-12-02https://www.neamgroup.com/insights/credit-risk-transfer-securities-new-benchmark-in-u.s.-residential-mortgage-credit-investmenthttps://www.neamgroup.com/hubfs/Authors/NEAM-Rakesh-Kansara.pngNEAMRakeshKansaraNEAMRakeshKansarahttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2017/Quick%20Takes%20-%20CRT%20Securities/NEAMgroup_CRT_securities_issuance.jpgNEAMgroupCRTsecuritiesissuanceNEAMgroupCRTsecuritiesissuancehttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/articles/2017/Quick%20Takes%20-%20CRT%20Securities/NEAMgroup_CRT_securities_secondary_trading_volume.jpgNEAMgroupCRTsecuritiessecondarytradingvolumeNEAMgroupCRTsecuritiessecondarytradingvolumehttps://www.neamgroup.com/hubfs/articles/2017/Quick%20Takes%20-%20CRT%20Securities/creditrisktransfersecurities.jpgcreditrisktransfersecuritiescreditrisktransfersecuritieshttps://www.neamgroup.com/hubfs/articles/2017/Quick%20Takes%20-%20CRT%20Securities/NEAMgroup_CAS_discount_margin_vs_corporate_treasury.jpgNEAMgroupCASdiscountmarginvscorporatetreasuryNEAMgroupCASdiscountmarginvscorporatetreasuryhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/articles/2017/Quick%20Takes%20-%20CRT%20Securities/NEAMgroup_CRT_securities_2016_NAIC_designation.jpgNEAMgroupCRTsecurities2016NAICdesignationNEAMgroupCRTsecurities2016NAICdesignationhttps://www.neamgroup.com/hubfs/articles/2017/Quick%20Takes%20-%20CRT%20Securities/NEAMgroup_CRT_Deal_Structure.jpgNEAMgroupCRTDealStructureNEAMgroupCRTDealStructurehttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTop2017-04-13https://www.neamgroup.com/insights/from-known-unknowns-to-quantified-risks-enhancing-portfolio-construction-rebalancing-with-stress-scenario-testinghttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/Authors/Tobias-Gummersbach.pngTobiasGummersbachTobiasGummersbachhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/articles/2025/Perspectives%20-%20Known%20Unknowns/NEAMgroup_potential_investment_losses.jpgNEAMgrouppotentialinvestmentlossesNEAMgrouppotentialinvestmentlosseshttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/articles/2025/Perspectives%20-%20Known%20Unknowns/NEAMgroup_enterprise_based_asset_allocation_efficient_frontier.jpgNEAMgroupenterprisebasedassetallocationefficientfrontierNEAMgroupenterprisebasedassetallocationefficientfrontierhttps://www.neamgroup.com/hubfs/articles/2025/Perspectives%20-%20Known%20Unknowns/NEAMgroup_historical_loss_scenario_results.jpgNEAMgrouphistoricallossscenarioresultsNEAMgrouphistoricallossscenarioresultshttps://www.neamgroup.com/hubfs/articles/2025/Perspectives%20-%20Known%20Unknowns/knownunknowns.jpgknownunknownsknownunknownshttps://www.neamgroup.com/hubfs/articles/2025/Perspectives%20-%20Known%20Unknowns/NEAMgroup_risk_focused_comparison_strategic_asset_allocation.jpgNEAMgroupriskfocusedcomparisonstrategicassetallocationNEAMgroupriskfocusedcomparisonstrategicassetallocationhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/articles/2025/Perspectives%20-%20Known%20Unknowns/NEAMgroup_comparison_strategic_asset_allocation.jpgNEAMgroupcomparisonstrategicassetallocationNEAMgroupcomparisonstrategicassetallocationhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearch2025-08-18https://www.neamgroup.com/data-privacy-statementhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearch2026-02-12https://www.neamgroup.com/insights/rise-of-the-red-dragon-chinas-role-in-the-global-economyhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/Authors/Vin-Delucia.pngVinDeluciaVinDeluciahttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/articles/NEAM-Chart-4-China-Foreign-Currency-Reserves-China-FX-Reserves.pngNEAMChart4ChinaForeignCurrencyReservesChinaFXReservesNEAMChart4ChinaForeignCurrencyReservesChinaFXReserveshttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/articles/NEAM-Chart-3-Slowdown-in-China-Has-Caused-a-Collapse-in-Commodity-Prices.pngNEAMChart3SlowdowninChinaHasCausedaCollapseinCommodityPricesNEAMChart3SlowdowninChinaHasCausedaCollapseinCommodityPriceshttps://www.neamgroup.com/hubfs/articles/NEAM-Chart-1-China-Percent-of-World-Exports.pngNEAMChart1ChinaPercentofWorldExportsNEAMChart1ChinaPercentofWorldExportshttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/articles/China-Percent-of-World-Exports.jpgChinaPercentofWorldExportsChinaPercentofWorldExportshttps://www.neamgroup.com/hubfs/articles/NEAM-Chart-2-China-Exports-and-Investment-as-a-Percent-of-GDP.pngNEAMChart2ChinaExportsandInvestmentasaPercentofGDPNEAMChart2ChinaExportsandInvestmentasaPercentofGDPhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearch2016-04-13https://www.neamgroup.com/insights/china-the-great-economic-wall-of-worryhttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/Authors/NEAM-group-Fergus-Woods.pngNEAMgroupFergusWoodsNEAMgroupFergusWoodshttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/articles/2023/Quick%20Takes%20-%20China%20Economic%20Wall%20of%20Worry/NEAMgroup_China_GDP.jpgNEAMgroupChinaGDPNEAMgroupChinaGDPhttps://www.neamgroup.com/hubfs/articles/2023/Quick%20Takes%20-%20China%20Economic%20Wall%20of%20Worry/NEAMgroup_china_exposure.jpgNEAMgroupchinaexposureNEAMgroupchinaexposurehttps://www.neamgroup.com/hubfs/articles/2023/Quick%20Takes%20-%20China%20Economic%20Wall%20of%20Worry/NEAMgroup_percent_population_over_65.jpgNEAMgrouppercentpopulationover65NEAMgrouppercentpopulationover65https://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2023/Quick%20Takes%20-%20China%20Economic%20Wall%20of%20Worry/greatwallworry.jpggreatwallworrygreatwallworryhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydown2023-12-11https://www.neamgroup.com/insights/navigating-the-amazonhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2017/Quick%20Takes%20-%20Navigating%20the%20Amazon/iStock-625699490_BW.jpgiStock625699490BWiStock625699490BWhttps://www.neamgroup.com/hubfs/articles/2017/Quick%20Takes%20-%20Navigating%20the%20Amazon/Neam_group_cmbx_series_6_index.jpgNeamgroupcmbxseries6indexNeamgroupcmbxseries6indexhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/articles/2017/Quick%20Takes%20-%20Navigating%20the%20Amazon/Neam_group_amazons_US_gross_merchandise_volume_as_a_percent_of_e-Ecommerce.jpgNeamgroupamazonsUSgrossmerchandisevolumeasapercentofeEcommerceNeamgroupamazonsUSgrossmerchandisevolumeasapercentofeEcommercehttps://www.neamgroup.com/hubfs/Authors/NEAM-Patrick-Macary.pngNEAMPatrickMacaryNEAMPatrickMacaryhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2017/Quick%20Takes%20-%20Navigating%20the%20Amazon/Neam_group_retail_square_footage_and_sales_per_capita.jpgNeamgroupretailsquarefootageandsalespercapitaNeamgroupretailsquarefootageandsalespercapitahttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydown2017-09-07https://www.neamgroup.com/insights/2024-pc-industry-investment-highlights-momentum-continues-but-slowshttps://www.neamgroup.com/hubfs/articles/2025/Perspectives%20-%20PC%20Investment%20Highlights%202024/NEAMgroup_C03_risk_asset_allocation.jpgNEAMgroupC03riskassetallocationNEAMgroupC03riskassetallocationhttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/articles/2025/Perspectives%20-%20PC%20Investment%20Highlights%202024/NEAMgroup_T03_fixed_income_book_yield.jpgNEAMgroupT03fixedincomebookyieldNEAMgroupT03fixedincomebookyieldhttps://www.neamgroup.com/hubfs/Authors/Mark-Yu.pngMarkYuMarkYuhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/articles/2025/Perspectives%20-%20PC%20Investment%20Highlights%202024/NEAMgroup_C06_fixed_income_credit_quality.jpgNEAMgroupC06fixedincomecreditqualityNEAMgroupC06fixedincomecreditqualityhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/articles/2025/Perspectives%20-%20PC%20Investment%20Highlights%202024/NEAMgroup_T04_industry_bond_book_value_Fair_value.jpgNEAMgroupT04industrybondbookvalueFairvalueNEAMgroupT04industrybondbookvalueFairvaluehttps://www.neamgroup.com/hubfs/articles/2025/Perspectives%20-%20PC%20Investment%20Highlights%202024/pc_highlights_2024.jpgpchighlights2024pchighlights2024https://www.neamgroup.com/hubfs/articles/2025/Perspectives%20-%20PC%20Investment%20Highlights%202024/NEAMgroup_T02_earned_investment_income_contribution_asset_class.jpgNEAMgroupT02earnedinvestmentincomecontributionassetclassNEAMgroupT02earnedinvestmentincomecontributionassetclasshttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2025/Perspectives%20-%20PC%20Investment%20Highlights%202024/NEAMgroup_T01_earned_investment_income.jpgNEAMgroupT01earnedinvestmentincomeNEAMgroupT01earnedinvestmentincomehttps://www.neamgroup.com/hubfs/articles/2025/Perspectives%20-%20PC%20Investment%20Highlights%202024/NEAMgroup_C01_broad_sector_asset_allocation.jpgNEAMgroupC01broadsectorassetallocationNEAMgroupC01broadsectorassetallocationhttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2025/Perspectives%20-%20PC%20Investment%20Highlights%202024/NEAMgroup_C02_broad_sector_asset_allocation_ex_brk.jpgNEAMgroupC02broadsectorassetallocationexbrkNEAMgroupC02broadsectorassetallocationexbrkhttps://www.neamgroup.com/hubfs/articles/2025/Perspectives%20-%20PC%20Investment%20Highlights%202024/NEAMgroup_C04_risk_asset_allocation_ex_brk.jpgNEAMgroupC04riskassetallocationexbrkNEAMgroupC04riskassetallocationexbrkhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/articles/2025/Perspectives%20-%20PC%20Investment%20Highlights%202024/NEAMgroup_C05_fixed_income_sector_allocation.jpgNEAMgroupC05fixedincomesectorallocationNEAMgroupC05fixedincomesectorallocationhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/articles/2025/Perspectives%20-%20PC%20Investment%20Highlights%202024/NEAMgroup_T05_fixed_income_option_adjusted_duration.jpgNEAMgroupT05fixedincomeoptionadjusteddurationNEAMgroupT05fixedincomeoptionadjustedduration2025-08-26https://www.neamgroup.com/insightshttps://www.neamgroup.com/hubfs/articles/2026/Perspectives%20-%20Evolving%20Correlations/evolving%20correlations.jpgevolvingcorrelationsevolvingcorrelationshttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/articles/tradewinds.jpgtradewindstradewindshttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/articles/2026/Quick%20Takes%20-%20Power%20of%20Carry/power-of-carry.jpgpowerofcarrypowerofcarryhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/assets/images/slider/img-rotator-button-on.pngimgrotatorbuttononimgrotatorbuttononhttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/assets/images/slider/img-rotator-button-off.pngimgrotatorbuttonoffimgrotatorbuttonoff2025-04-17https://www.neamgroup.com/insights/2015-investment-highlights-the-gathering-stormhttps://www.neamgroup.com/hubfs/articles/NEAM-Municipal-Bond-vs-Broad-Market-Returns.jpgNEAMMunicipalBondvsBroadMarketReturnsNEAMMunicipalBondvsBroadMarketReturnshttps://www.neamgroup.com/hubfs/articles/NEAM-Fixed-Income-Sector-Option-Adjusted-Duration-OAD.jpgNEAMFixedIncomeSectorOptionAdjustedDurationOADNEAMFixedIncomeSectorOptionAdjustedDurationOADhttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/articles/NEAM-P-and-C-Broad-Sector-Asset-Allocation.jpgNEAMPandCBroadSectorAssetAllocationNEAMPandCBroadSectorAssetAllocationhttps://www.neamgroup.com/hubfs/articles/NEAM-Statutory-Investment-Results-Before-Taxes-in-Billions.jpgNEAMStatutoryInvestmentResultsBeforeTaxesinBillionsNEAMStatutoryInvestmentResultsBeforeTaxesinBillionshttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/NEAM-James-E-Bachman.pngNEAMJamesEBachmanNEAMJamesEBachmanhttps://www.neamgroup.com/hubfs/articles/NEAM-Earned-Investment-Income-by-Broad-Asset-Class-in-Billions-and-Bond-Gross.jpgNEAMEarnedInvestmentIncomebyBroadAssetClassinBillionsandBondGrossNEAMEarnedInvestmentIncomebyBroadAssetClassinBillionsandBondGrosshttps://www.neamgroup.com/hubfs/articles/NEAM-P-and-C-Risk-Asset-Allocation.jpgNEAMPandCRiskAssetAllocationNEAMPandCRiskAssetAllocationhttps://www.neamgroup.com/hubfs/articles/gatheringstorm.jpggatheringstormgatheringstormhttps://www.neamgroup.com/hubfs/articles/NEAM-Fixed-Income-Credit-Quality-3.jpgNEAMFixedIncomeCreditQuality3NEAMFixedIncomeCreditQuality3https://www.neamgroup.com/hubfs/articles/NEAM-2015-Municipal-Bond-Holding-Distribution.jpgNEAM2015MunicipalBondHoldingDistributionNEAM2015MunicipalBondHoldingDistributionhttps://www.neamgroup.com/hubfs/articles/NEAM-2015-Taxable-and-Tax-exempt-Book-Yields.jpgNEAM2015TaxableandTaxexemptBookYieldsNEAM2015TaxableandTaxexemptBookYieldshttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/articles/NEAM-Fixed-Income-Sector-Book-Yield-Exclude-Non-Rated-Bonds.jpgNEAMFixedIncomeSectorBookYieldExcludeNonRatedBondsNEAMFixedIncomeSectorBookYieldExcludeNonRatedBondshttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/articles/NEAM-Fixed-Income-Sector-Allocation-2.jpgNEAMFixedIncomeSectorAllocation2NEAMFixedIncomeSectorAllocation2https://www.neamgroup.com/hubfs/articles/NEAM-Known-Corporate-Bond-Downgrades-to-Below-Investment-Grade.jpgNEAMKnownCorporateBondDowngradestoBelowInvestmentGradeNEAMKnownCorporateBondDowngradestoBelowInvestmentGradehttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/articles/NEAM-P-and-C-Industry-Highlights-Billions-except-Combined-Ratio-Return-on-Equity.jpgNEAMPandCIndustryHighlightsBillionsexceptCombinedRatioReturnonEquityNEAMPandCIndustryHighlightsBillionsexceptCombinedRatioReturnonEquityhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMR2016-07-26https://www.neamgroup.com/insights/record-yearhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/articles/2018/Outlook%20-%204Q%202017/NEAMgroup-high-yield-cost-of-capital.jpgNEAMgrouphighyieldcostofcapitalNEAMgrouphighyieldcostofcapitalhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2018/Outlook%20-%204Q%202017/NEAMgroup-SandP500-average-real-returns-by-quintile.jpgNEAMgroupSandP500averagerealreturnsbyquintileNEAMgroupSandP500averagerealreturnsbyquintilehttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/articles/2018/Outlook%20-%204Q%202017/NEAMgroup-SandP500-annual-return-vs-max-drawdown.jpgNEAMgroupSandP500annualreturnvsmaxdrawdownNEAMgroupSandP500annualreturnvsmaxdrawdownhttps://www.neamgroup.com/hubfs/Authors/Michele-Matzinger.pngMicheleMatzingerMicheleMatzingerhttps://www.neamgroup.com/hubfs/articles/2018/Outlook%20-%204Q%202017/recordyear.jpgrecordyearrecordyearhttps://www.neamgroup.com/hubfs/articles/2018/Outlook%20-%204Q%202017/NEAMgroup-high-yield-spread-warning.jpgNEAMgrouphighyieldspreadwarningNEAMgrouphighyieldspreadwarninghttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterR2018-02-13https://www.neamgroup.com/insights/uk-pc-insurers-managing-the-financial-risks-from-climate-changehttps://www.neamgroup.com/hubfs/Our%20Team/NEAM-Group-Kasha-Mleko.pngNEAMGroupKashaMlekoNEAMGroupKashaMlekohttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/articles/2021/Quick%20Takes%20-%20UK%20Insurers%20and%20Climate%20Change/UKclimatechange.jpgUKclimatechangeUKclimatechangehttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/articles/2021/Quick%20Takes%20-%20UK%20Insurers%20and%20Climate%20Change/NEAMgroup_bank_of_england_CBES.jpgNEAMgroupbankofenglandCBESNEAMgroupbankofenglandCBEShttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/articles/2021/Quick%20Takes%20-%20UK%20Insurers%20and%20Climate%20Change/NEAMgroup_market_response_to_ESG.jpgNEAMgroupmarketresponsetoESGNEAMgroupmarketresponsetoESGhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMR2021-08-16https://www.neamgroup.com/insights/complying-with-the-prudent-person-principle-what-is-required-of-london-market-insurershttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/articles/2020/Quick%20Takes%20-%20Prudent%20Person%20Principle/prudentperson.jpgprudentpersonprudentpersonhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/Authors/NEAM-Rui-Wang.pngNEAMRuiWangNEAMRuiWanghttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford20242020-08-13https://www.neamgroup.com/insights/2014-investment-highlights-scraping-the-bottomhttps://www.neamgroup.com/hubfs/NEAM-James-E-Bachman.pngNEAMJamesEBachmanNEAMJamesEBachmanhttps://www.neamgroup.com/hubfs/articles/NEAM-Chart-4-Reinsurance-effectiveness-combined-ratio-impact.jpgNEAMChart4ReinsuranceeffectivenesscombinedratioimpactNEAMChart4Reinsuranceeffectivenesscombinedratioimpacthttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/articles/NEAM-Chart-9-Risk-assets.jpgNEAMChart9RiskassetsNEAMChart9Riskassetshttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/articles/NEAM-Chart-2-Combined-ratio-reserve-development-and-loss-ratio-development-volatility.jpgNEAMChart2CombinedratioreservedevelopmentandlossratiodevelopmentvolatilityNEAMChart2Combinedratioreservedevelopmentandlossratiodevelopmentvolatilityhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/articles/NEAM-Chart11-Annualized-expected-after-tax-total-return-and-estimated-99.5-T-VaR.jpgNEAMChart11Annualizedexpectedaftertaxtotalreturnandestimated995TVaRNEAMChart11Annualizedexpectedaftertaxtotalreturnandestimated995TVaRhttps://www.neamgroup.com/hubfs/articles/NEAM-Chart-6-Taxable-bonds-trends-in-book-yield-duration-credit-quality-and-risk.jpgNEAMChart6TaxablebondstrendsinbookyielddurationcreditqualityandriskNEAMChart6Taxablebondstrendsinbookyielddurationcreditqualityandriskhttps://www.neamgroup.com/hubfs/articles/NEAM-Chart-7-Tax-exempt-bonds-trends-in-book-yield-duration-credit-quality-and-risk.jpgNEAMChart7TaxexemptbondstrendsinbookyielddurationcreditqualityandriskNEAMChart7Taxexemptbondstrendsinbookyielddurationcreditqualityandriskhttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/articles/NEAM-Chart-8-Corporate-and-municipal-bond-credit-duration-profile-2010-and-2014.jpgNEAMChart8Corporateandmunicipalbondcreditdurationprofile2010and2014NEAMChart8Corporateandmunicipalbondcreditdurationprofile2010and2014https://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/articles/NEAM-Chart10-Asset-allocation-fixed-income-classifications-and-duration-and-credit.jpgNEAMChart10AssetallocationfixedincomeclassificationsanddurationandcreditNEAMChart10Assetallocationfixedincomeclassificationsanddurationandcredithttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/articles/NEAM-Chart-1-Combined-rati-premium-growth-and-combined-ratio-volatility.jpgNEAMChart1CombinedratipremiumgrowthandcombinedratiovolatilityNEAMChart1Combinedratipremiumgrowthandcombinedratiovolatilityhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/articles/NEAM-Chart-3-Volatility-of-reported-combined-ratio-and-loss-ratio-development.jpgNEAMChart3VolatilityofreportedcombinedratioandlossratiodevelopmentNEAMChart3Volatilityofreportedcombinedratioandlossratiodevelopmenthttps://www.neamgroup.com/hubfs/articles/NEAM-Table-1-After-tax-total-return-1997-2014.jpgNEAMTable1Aftertaxtotalreturn19972014NEAMTable1Aftertaxtotalreturn19972014https://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/articles/NEAM-Chart-5-Book-yield-versus-risk-for-taxable-and-tax-preferenced-fixed-income.jpgNEAMChart5BookyieldversusriskfortaxableandtaxpreferencedfixedincomeNEAMChart5Bookyieldversusriskfortaxableandtaxpreferencedfixedincomehttps://www.neamgroup.com/hubfs/articles/NEAM-Chart12-Mean-reverting-total-return-and-horizon-returns-taxable-bonds-only.jpgNEAMChart12MeanrevertingtotalreturnandhorizonreturnstaxablebondsonlyNEAMChart12Meanrevertingtotalreturnandhorizonreturnstaxablebondsonlyhttps://www.neamgroup.com/hubfs/articles/NEAM-Chart13-Industry-taxable-holdings-and-yield-run-off-and-benchmark-market-yield.jpgNEAMChart13IndustrytaxableholdingsandyieldrunoffandbenchmarkmarketyieldNEAMChart13Industrytaxableholdingsandyieldrunoffandbenchmarkmarketyield2016-04-20https://www.neamgroup.com/insights/2014-u.s.-life-investment-highlights-continue-to-adapt-and-thrivehttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/articles/NEAM-Life-Industry-Highlights.jpgNEAMLifeIndustryHighlightsNEAMLifeIndustryHighlightshttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/articles/NEAM-Life-Industry-Highlights-1.jpgNEAMLifeIndustryHighlights1NEAMLifeIndustryHighlights1https://www.neamgroup.com/hubfs/articles/NEAM-Duration-by-Credit-Category.jpgNEAMDurationbyCreditCategoryNEAMDurationbyCreditCategoryhttps://www.neamgroup.com/hubfs/articles/NEAM-Book-Yields-by-Rating-Category.jpgNEAMBookYieldsbyRatingCategoryNEAMBookYieldsbyRatingCategoryhttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/articles/NEAM-Fixed-Income-Sector-Allocation-Duration-Years.jpgNEAMFixedIncomeSectorAllocationDurationYearsNEAMFixedIncomeSectorAllocationDurationYearshttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/articles/NEAM-Fixed-Income-Credit-Quality-1.jpgNEAMFixedIncomeCreditQuality1NEAMFixedIncomeCreditQuality1https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/articles/NEAM-Fixed-Income-Sector-Book-Yield-1.jpgNEAMFixedIncomeSectorBookYield1NEAMFixedIncomeSectorBookYield1https://www.neamgroup.com/hubfs/articles/NEAM-Duration-and-Credit-Rating-Migration.jpgNEAMDurationandCreditRatingMigrationNEAMDurationandCreditRatingMigrationhttps://www.neamgroup.com/hubfs/articles/NEAM-Credit-and-Duration-Distribution.jpgNEAMCreditandDurationDistributionNEAMCreditandDurationDistributionhttps://www.neamgroup.com/hubfs/articles/NEAM-Statutory-Investment-Results-by-Key-Component.jpgNEAMStatutoryInvestmentResultsbyKeyComponentNEAMStatutoryInvestmentResultsbyKeyComponenthttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/Authors/Mark-Yu.pngMarkYuMarkYuhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/articles/NEAM-Fixed-Income-Sector-Allocation-1.jpgNEAMFixedIncomeSectorAllocation1NEAMFixedIncomeSectorAllocation1https://www.neamgroup.com/hubfs/articles/NEAM-Earned-Investment-Income-by-Broad-Asset-Class-1.jpgNEAMEarnedInvestmentIncomebyBroadAssetClass1NEAMEarnedInvestmentIncomebyBroadAssetClass1https://www.neamgroup.com/hubfs/articles/NEAM-Life-Broad-Sector-Asset-Allocation-1.jpgNEAMLifeBroadSectorAssetAllocation1NEAMLifeBroadSectorAssetAllocation12016-04-20https://www.neamgroup.com/insights/2020-pc-industry-investment-highlights-the-fight-for-yield-continueshttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/articles/2021/Perspectives%20-%202020%20PC%20Industry%20Highlights/NEAMgroup_T02_earned_investment_income_asset_class.jpgNEAMgroupT02earnedinvestmentincomeassetclassNEAMgroupT02earnedinvestmentincomeassetclasshttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/articles/2021/Perspectives%20-%202020%20PC%20Industry%20Highlights/pcindustryhighlights2020.jpgpcindustryhighlights2020pcindustryhighlights2020https://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/articles/2021/Perspectives%20-%202020%20PC%20Industry%20Highlights/NEAMgroup_C03_fixed_income_sector_allocation.jpgNEAMgroupC03fixedincomesectorallocationNEAMgroupC03fixedincomesectorallocationhttps://www.neamgroup.com/hubfs/articles/2021/Perspectives%20-%202020%20PC%20Industry%20Highlights/NEAMgroup_C01_broad_sector_allocation.jpgNEAMgroupC01broadsectorallocationNEAMgroupC01broadsectorallocationhttps://www.neamgroup.com/hubfs/articles/2021/Perspectives%20-%202020%20PC%20Industry%20Highlights/NEAMgroup_T04_fixed_income_book_yield.jpgNEAMgroupT04fixedincomebookyieldNEAMgroupT04fixedincomebookyieldhttps://www.neamgroup.com/hubfs/Authors/Mark-Yu.pngMarkYuMarkYuhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2021/Perspectives%20-%202020%20PC%20Industry%20Highlights/NEAMgroup_C05_insurance_asset_allocation.jpgNEAMgroupC05insuranceassetallocationNEAMgroupC05insuranceassetallocationhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/articles/2021/Perspectives%20-%202020%20PC%20Industry%20Highlights/NEAMgroup_T03_fixed_income_option_adjusted_duration.jpgNEAMgroupT03fixedincomeoptionadjusteddurationNEAMgroupT03fixedincomeoptionadjusteddurationhttps://www.neamgroup.com/hubfs/articles/2021/Perspectives%20-%202020%20PC%20Industry%20Highlights/NEAMgroup_C02_risk_asset_allocations.jpgNEAMgroupC02riskassetallocationsNEAMgroupC02riskassetallocationshttps://www.neamgroup.com/hubfs/articles/2021/Perspectives%20-%202020%20PC%20Industry%20Highlights/NEAMgroup_C04_fixed_income_credit_quality.jpgNEAMgroupC04fixedincomecreditqualityNEAMgroupC04fixedincomecreditqualityhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/articles/2021/Perspectives%20-%202020%20PC%20Industry%20Highlights/NEAMgroup_T01_earned_investment_income.jpgNEAMgroupT01earnedinvestmentincomeNEAMgroupT01earnedinvestmentincomehttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenu2021-09-13https://www.neamgroup.com/insights/puerto-rico-highway-authority-revenue-bond-ruling-red-herring-or-red-alerthttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/articles/2019/Quick%20Takes%20-%20%20Puerto%20Rico%20Highway%20Authority%20Revenue%20Bond%20Ruling/puertorico.jpgpuertoricopuertoricohttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/articles/2019/Quick%20Takes%20-%20%20Puerto%20Rico%20Highway%20Authority%20Revenue%20Bond%20Ruling/NEAM-Group-bloomberg-barclays-municipal-bond-index-8-31-19.jpgNEAMGroupbloombergbarclaysmunicipalbondindex83119NEAMGroupbloombergbarclaysmunicipalbondindex83119https://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/articles/2019/Quick%20Takes%20-%20%20Puerto%20Rico%20Highway%20Authority%20Revenue%20Bond%20Ruling/NEAM-Group-muni-market-sector-distribution-8-31-19.jpgNEAMGroupmunimarketsectordistribution83119NEAMGroupmunimarketsectordistribution83119https://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/Authors/Sean-T-Coughlin.pngSeanTCoughlinSeanTCoughlinhttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford20242019-10-28https://www.neamgroup.com/insights/2011-investment-highlights-preliminary-detailshttps://www.neamgroup.com/hubfs/articles/NEAM-Table-2-PC-Broad-Sector-Asset-Allocation-III.jpgNEAMTable2PCBroadSectorAssetAllocationIIINEAMTable2PCBroadSectorAssetAllocationIIIhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/articles/NEAM-Chart-1-Statutory-Investment-Results-Before-Taxes-and-Expenses-Billions-III.jpgNEAMChart1StatutoryInvestmentResultsBeforeTaxesandExpensesBillionsIIINEAMChart1StatutoryInvestmentResultsBeforeTaxesandExpensesBillionsIIIhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/articles/NEAM-Table-3-Earned-Investment-Income-by-Broad-Asset-Class-and-Gross-Book-Yields.jpgNEAMTable3EarnedInvestmentIncomebyBroadAssetClassandGrossBookYieldsNEAMTable3EarnedInvestmentIncomebyBroadAssetClassandGrossBookYieldshttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/articles/NEAM-Table-1-PC-Industry-Highlights-Billions-Except-Combined-Ratio-Return-on-Equity.jpgNEAMTable1PCIndustryHighlightsBillionsExceptCombinedRatioReturnonEquityNEAMTable1PCIndustryHighlightsBillionsExceptCombinedRatioReturnonEquityhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/articles/NEAM-Table-7-Fixed-Income-Sector-Book-Yield.jpgNEAMTable7FixedIncomeSectorBookYieldNEAMTable7FixedIncomeSectorBookYieldhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/NEAM-James-E-Bachman.pngNEAMJamesEBachmanNEAMJamesEBachmanhttps://www.neamgroup.com/hubfs/articles/NEAM-Table-5-Fixed-Income-Sector-Option-Adjusted-Duration-OAD.jpgNEAMTable5FixedIncomeSectorOptionAdjustedDurationOADNEAMTable5FixedIncomeSectorOptionAdjustedDurationOADhttps://www.neamgroup.com/hubfs/articles/NEAM-Table-6-2011-Municipal-Bond-Holdings-Distribution.jpgNEAMTable62011MunicipalBondHoldingsDistributionNEAMTable62011MunicipalBondHoldingsDistributionhttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/articles/NEAM-Chart-2-Fixed-Income-Credit-Quality-III.jpgNEAMChart2FixedIncomeCreditQualityIIINEAMChart2FixedIncomeCreditQualityIIIhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/articles/NEAM-Table-4-Fixed-Income-Sector-Allocation.jpgNEAMTable4FixedIncomeSectorAllocationNEAMTable4FixedIncomeSectorAllocationhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterR2016-04-20https://www.neamgroup.com/insights/benchmarking-capital-charges-a-top-down-observable-price-approachhttps://www.neamgroup.com/hubfs/articles/NEAM-Table-2-Solvency-II-Correlation.jpgNEAMTable2SolvencyIICorrelationNEAMTable2SolvencyIICorrelationhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/articles/NEAM-Table-4-US-PC-2013-Capital-Charge-and-Risk-Decomposition.jpgNEAMTable4USPC2013CapitalChargeandRiskDecompositionNEAMTable4USPC2013CapitalChargeandRiskDecompositionhttps://www.neamgroup.com/hubfs/articles/NEAM-Table-3-Solvency-II-99.5-Estimated-Investment-Charges-by-Risk-Factor.jpgNEAMTable3SolvencyII995EstimatedInvestmentChargesbyRiskFactorNEAMTable3SolvencyII995EstimatedInvestmentChargesbyRiskFactorhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/articles/NEAM-Largest-Drawdowns.jpgNEAMLargestDrawdownsNEAMLargestDrawdownshttps://www.neamgroup.com/hubfs/NEAM-James-E-Bachman.pngNEAMJamesEBachmanNEAMJamesEBachmanhttps://www.neamgroup.com/hubfs/articles/NEAM-Chart-1-Observable-20-Year-Rolling-Factor-Correlation-1962-2013.jpgNEAMChart1Observable20YearRollingFactorCorrelation19622013NEAMChart1Observable20YearRollingFactorCorrelation19622013https://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/articles/NEAM-Table-1-2013-Schedule-D-Holdings-Profile.jpgNEAMTable12013ScheduleDHoldingsProfileNEAMTable12013ScheduleDHoldingsProfilehttps://www.neamgroup.com/hubfs/articles/NEAM-Risk-Factor-Decomposition.jpgNEAMRiskFactorDecompositionNEAMRiskFactorDecompositionhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdown2016-04-20https://www.neamgroup.com/insights/the-times-they-are-a-changinhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/articles/2017/Quick%20Takes%20-%20Times%20are%20a%20Changin/NEAM-group-VIX-description.jpgNEAMgroupVIXdescriptionNEAMgroupVIXdescriptionhttps://www.neamgroup.com/hubfs/articles/2017/Quick%20Takes%20-%20Times%20are%20a%20Changin/DylanQuotation.jpgDylanQuotationDylanQuotationhttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/articles/2017/Quick%20Takes%20-%20Times%20are%20a%20Changin/NEAM-group-corporate-tax-rates-US-vs-other-oecd-countries.jpgNEAMgroupcorporatetaxratesUSvsotheroecdcountriesNEAMgroupcorporatetaxratesUSvsotheroecdcountrieshttps://www.neamgroup.com/hubfs/articles/2017/Quick%20Takes%20-%20Times%20are%20a%20Changin/timesachangin.jpgtimesachangintimesachanginhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/NEAM-William-E-Rotatori.pngNEAMWilliamERotatoriNEAMWilliamERotatorihttps://www.neamgroup.com/hubfs/articles/2017/Quick%20Takes%20-%20Times%20are%20a%20Changin/NEAM-group-real-GDP-growth.jpgNEAMgrouprealGDPgrowthNEAMgrouprealGDPgrowthhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/articles/2017/Quick%20Takes%20-%20Times%20are%20a%20Changin/NEAM-group-trade-balance-as-percent-GDP.jpgNEAMgrouptradebalanceaspercentGDPNEAMgrouptradebalanceaspercentGDPhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/articles/2017/Quick%20Takes%20-%20Times%20are%20a%20Changin/NEAM-group-VIX.jpgNEAMgroupVIXNEAMgroupVIX2017-02-28https://www.neamgroup.com/manage-your-subscriptions/non-ushttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORS2018-06-22https://www.neamgroup.com/insights/artificial-intelligence-on-artificial-intelligencehttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/NEAM-Calvin-Clark-Jr.pngNEAMCalvinClarkJrNEAMCalvinClarkJrhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/articles/2023/Quick%20Takes%20-%20Artificial%20Intelligence/chatgpt.jpgchatgptchatgpthttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/articles/2023/Quick%20Takes%20-%20Artificial%20Intelligence/aionai.jpgaionaiaionaihttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/articles/2023/Quick%20Takes%20-%20Artificial%20Intelligence/neamgroup_robot.pngneamgrouprobotneamgrouprobot2023-09-21https://www.neamgroup.com/legal-statementhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydown2026-02-04https://www.neamgroup.com/insights/2021-pc-industry-investment-highlights-riding-the-turning-tidehttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/articles/2022/Perspectives%20-%20PC%20Industry%20Results/NEAMgroup_earned_investment_income_contribution_22.jpgNEAMgroupearnedinvestmentincomecontribution22NEAMgroupearnedinvestmentincomecontribution22https://www.neamgroup.com/hubfs/articles/2022/Perspectives%20-%20PC%20Industry%20Results/NEAMgroup_fixed_income_book_yield_22.jpgNEAMgroupfixedincomebookyield22NEAMgroupfixedincomebookyield22https://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2022/Perspectives%20-%20PC%20Industry%20Results/NEAMgroup_fixed_income_credit_quality_22.jpgNEAMgroupfixedincomecreditquality22NEAMgroupfixedincomecreditquality22https://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/articles/2022/Perspectives%20-%20PC%20Industry%20Results/pcresults2022.jpgpcresults2022pcresults2022https://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/articles/2022/Perspectives%20-%20PC%20Industry%20Results/NEAMgroup_fixed_income_sector_allocation_22.jpgNEAMgroupfixedincomesectorallocation22NEAMgroupfixedincomesectorallocation22https://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/articles/2022/Perspectives%20-%20PC%20Industry%20Results/NEAMgroup_risk_asset_allocations_22.jpgNEAMgroupriskassetallocations22NEAMgroupriskassetallocations22https://www.neamgroup.com/hubfs/articles/2022/Perspectives%20-%20PC%20Industry%20Results/NEAMgroup_broad_sector_asset_allocation_22.jpgNEAMgroupbroadsectorassetallocation22NEAMgroupbroadsectorassetallocation22https://www.neamgroup.com/hubfs/Authors/Mark-Yu.pngMarkYuMarkYuhttps://www.neamgroup.com/hubfs/articles/2022/Perspectives%20-%20PC%20Industry%20Results/NEAMgroup_fixed_income_option_adjusted_duration_22.jpgNEAMgroupfixedincomeoptionadjustedduration22NEAMgroupfixedincomeoptionadjustedduration22https://www.neamgroup.com/hubfs/articles/2022/Perspectives%20-%20PC%20Industry%20Results/NEAMgroup_earned_investment_income_22.jpgNEAMgroupearnedinvestmentincome22NEAMgroupearnedinvestmentincome222022-07-29https://www.neamgroup.com/insights/returns-yields-please-dont-stop-the-musichttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/articles/2021/Returns%20and%20Yields%202021/NEAMgroup_total_return_by_major_fixed_income_category.jpgNEAMgrouptotalreturnbymajorfixedincomecategoryNEAMgrouptotalreturnbymajorfixedincomecategoryhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/articles/2021/Returns%20and%20Yields%202021/NEAMgroup_property_and_casualty_estimated_fixed_income_asset_allocation.jpgNEAMgrouppropertyandcasualtyestimatedfixedincomeassetallocationNEAMgrouppropertyandcasualtyestimatedfixedincomeassetallocationhttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/articles/2021/Returns%20and%20Yields%202021/NEAMgroup_projected_returns_rate_and_spread_scenarios.jpgNEAMgroupprojectedreturnsrateandspreadscenariosNEAMgroupprojectedreturnsrateandspreadscenarioshttps://www.neamgroup.com/hubfs/articles/2021/Returns%20and%20Yields%202021/NEAMgroup_projected_returns_and_related_statistics_2021.jpgNEAMgroupprojectedreturnsandrelatedstatistics2021NEAMgroupprojectedreturnsandrelatedstatistics2021https://www.neamgroup.com/hubfs/articles/2021/Returns%20and%20Yields%202021/NEAMgroup_property_and_casualty_estimated_market_yield_and_duration.jpgNEAMgrouppropertyandcasualtyestimatedmarketyieldanddurationNEAMgrouppropertyandcasualtyestimatedmarketyieldanddurationhttps://www.neamgroup.com/hubfs/Authors/Vin-Delucia.pngVinDeluciaVinDeluciahttps://www.neamgroup.com/hubfs/articles/2021/Returns%20and%20Yields%202021/NEAMgroup_sandp500_total_return_vs_gdp.jpgNEAMgroupsandp500totalreturnvsgdpNEAMgroupsandp500totalreturnvsgdphttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/articles/2017/Quick%20Takes%20-%20Returns%20and%20Yields/returnsandyields.jpgreturnsandyieldsreturnsandyieldshttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowus2021-02-09https://www.neamgroup.com/insights/2013-u.s.-life-investment-highlights-forced-investment-risk-takinghttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/articles/NEAM-Table-7-Fixed-Income-Book-Yields-by-Credit-Rating-Category.jpgNEAMTable7FixedIncomeBookYieldsbyCreditRatingCategoryNEAMTable7FixedIncomeBookYieldsbyCreditRatingCategoryhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/articles/NEAM-Chart-2-Life-Broad-Sector-Asset-Allocation.jpgNEAMChart2LifeBroadSectorAssetAllocationNEAMChart2LifeBroadSectorAssetAllocationhttps://www.neamgroup.com/hubfs/articles/NEAM-Table-3-Fixed-Income-Sector-Allocation.jpgNEAMTable3FixedIncomeSectorAllocationNEAMTable3FixedIncomeSectorAllocationhttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/articles/NEAM-Table-6-Fixed-Income-Duration-by-Credit-Rating-Category-Years.jpgNEAMTable6FixedIncomeDurationbyCreditRatingCategoryYearsNEAMTable6FixedIncomeDurationbyCreditRatingCategoryYearshttps://www.neamgroup.com/hubfs/articles/NEAM-Table-5-Fixed-Income-Sector-Book-Yield-Exclude-Non-Rated.jpgNEAMTable5FixedIncomeSectorBookYieldExcludeNonRatedNEAMTable5FixedIncomeSectorBookYieldExcludeNonRatedhttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/articles/NEAM-Chart-1-Statutory-Investment-Results-before-Taxes-and-Expenses-Billions.jpgNEAMChart1StatutoryInvestmentResultsbeforeTaxesandExpensesBillionsNEAMChart1StatutoryInvestmentResultsbeforeTaxesandExpensesBillionshttps://www.neamgroup.com/hubfs/Authors/Mark-Yu.pngMarkYuMarkYuhttps://www.neamgroup.com/hubfs/articles/NEAM-Table-4-Fixed-Income-Sector-Option-Adjusted-Duration-Years.jpgNEAMTable4FixedIncomeSectorOptionAdjustedDurationYearsNEAMTable4FixedIncomeSectorOptionAdjustedDurationYearshttps://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/articles/NEAM-Table-1-Life-Industry-Highlights-Billions-except-Return-on-Equity.jpgNEAMTable1LifeIndustryHighlightsBillionsexceptReturnonEquityNEAMTable1LifeIndustryHighlightsBillionsexceptReturnonEquityhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/articles/NEAM-Chart-3-Fixed-Income-Credit-Quality.jpgNEAMChart3FixedIncomeCreditQualityNEAMChart3FixedIncomeCreditQualityhttps://www.neamgroup.com/hubfs/articles/NEAM-Table-2-Earned-Investment-Income-by-Broad-Asset-Class-Billionsand-Fixed-Income-Gross-Book-Yield.jpgNEAMTable2EarnedInvestmentIncomebyBroadAssetClassBillionsandFixedIncomeGrossBookYieldNEAMTable2EarnedInvestmentIncomebyBroadAssetClassBillionsandFixedIncomeGrossBookYieldhttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTop2016-04-20https://www.neamgroup.com/insights/returns-and-yields-2018https://www.neamgroup.com/hubfs/Social%20Media%20Posts/linkedin-follow-us.pnglinkedinfollowuslinkedinfollowushttps://www.neamgroup.com/hubfs/assets/images/img-hamburger-menu.pngimghamburgermenuimghamburgermenuhttps://www.neamgroup.com/hubfs/articles/2018/Quick%20Takes%20-%20Returns%20and%20Yields%202018/NEAMgroup-2018-projected-returns-across-various-rate-and-spread-scenarios.jpgNEAMgroup2018projectedreturnsacrossvariousrateandspreadscenariosNEAMgroup2018projectedreturnsacrossvariousrateandspreadscenarioshttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-down.pngimgmobilenavarrowdownimgmobilenavarrowdownhttps://www.neamgroup.com/hubfs/images/US-INVESTORS.jpgUSInvestorsUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/imgBackToTop.pngimgBackToTopimgBackToTophttps://www.neamgroup.com/hubfs/articles/2017/Quick%20Takes%20-%20Returns%20and%20Yields/returnsandyields.jpgreturnsandyieldsreturnsandyieldshttps://www.neamgroup.com/hubfs/images/NON-US-INVESTORS.jpgNonUSInvestorsNONUSINVESTORShttps://www.neamgroup.com/hubfs/assets/images/img-icon-search.pngSearchbuttonimgiconsearchhttps://www.neamgroup.com/hubfs/assets/images/img-mobile-nav-arrow-gray-down.pngimgmobilenavarrowgraydownimgmobilenavarrowgraydownhttps://www.neamgroup.com/hubfs/assets/images/TWP_Hartford_2024.pngTWPHartford2024TWPHartford2024https://www.neamgroup.com/hubfs/img-logo-NEAM-R.pngimglogoNEAMRimglogoNEAMRhttps://www.neamgroup.com/hubfs/articles/2018/Quick%20Takes%20-%20Returns%20and%20Yields%202018/NEAMgroup-2018-pandc-industry-one-year-projected-fixed-income-return-distribution.jpgNEAMgroup2018pandcindustryoneyearprojectedfixedincomereturndistributionNEAMgroup2018pandcindustryoneyearprojectedfixedincomereturndistributionhttps://www.neamgroup.com/hubfs/articles/2018/Quick%20Takes%20-%20Returns%20and%20Yields%202018/NEAMgroup-US-treasury-rates-and-corporate-spreads.jpgNEAMgroupUStreasuryratesandcorporatespreadsNEAMgroupUStreasuryratesandcorporatespreadshttps://www.neamgroup.com/hubfs/articles/2018/Quick%20Takes%20-%20Returns%20and%20Yields%202018/NEAMgroup-2018-pandc-industry-approximate-fixed-income-sector-allocation.jpgNEAMgroup2018pandcindustryapproximatefixedincomesectorallocationNEAMgroup2018pandcindustryapproximatefixedincomesectorallocationhttps://www.neamgroup.com/hubfs/img-logo-footer-R.pngimglogofooterRimglogofooterRhttps://www.neamgroup.com/hubfs/Authors/Vin-Delucia.pngVinDeluciaVinDelucia2018-01-31