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    Jian (Bob) Huang • Morgan Stanley

    Jian (Bob) Huang's questions to Allstate Corp (ALL) leadership

    Jian (Bob) Huang's questions to Allstate Corp (ALL) leadership • Q2 2025

    Question

    Jian (Bob) Huang from Morgan Stanley asked about Allstate's strategy for maintaining new business growth and retention as more competitors improve their profitability and pivot to growth. He also posed a hypothetical question about the potential impact of increased speed limits in states like New York on frequency and severity assumptions.

    Answer

    Tom Wilson, Chairman, President & CEO, expressed confidence in Allstate's competitive position, citing its broad distribution, new products, and effective advertising. Mario Rizzo, President of Property-Liability, added that growth is supported by rate refinements and the 'SAVE' retention program. Regarding speed limits, Mr. Wilson stated that the company is well-equipped to manage such changes profitably through its sophisticated, data-driven individual pricing capabilities.

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    Jian (Bob) Huang's questions to Hartford Insurance Group Inc (HIG) leadership

    Jian (Bob) Huang's questions to Hartford Insurance Group Inc (HIG) leadership • Q2 2025

    Question

    Jian (Bob) Huang from Morgan Stanley inquired about the competitive landscape in Personal Lines as The Hartford pivots to growth. He asked whether it is easier or harder to grow now, given that many competitors also have strong underwriting results, and if there are differences between the auto and home markets.

    Answer

    Chairman & CEO Christopher Swift and Head of Personal Insurance Melinda Thompson acknowledged the competitive environment makes growth challenging. They highlighted their differentiated approach through the AARP direct channel and the rollout of the Prevail product to independent agents. Thompson noted that home insurance has different dynamics due to capacity constraints, while auto retention is more pressured by significant rate increases.

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