Question · Q3 2025
Paul Newsom from Piper Sandler addressed investor concerns about competitive pricing lowering margins and Allstate's peak earnings, asking about evolving market dynamics and the trade-off between pricing and policies-in-force (PIF) growth.
Answer
CEO Tom Wilson affirmed Allstate's commitment to profitable PIF growth, emphasizing that all business is economic. He described the market as highly competitive, noting strong performance against competitors like Progressive and State Farm, and highlighted growth opportunities in homeowners, specialty lines, and non-standard auto insurance.