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Calendar Year Experience

What is 'Calendar Year Experience'

The underwriting result based on earned premiums and booked incurred losses for the same calendar-year accounting period. This term is used in the insurance industry to signify an insurance company's "experience" during a calendar year, in terms of the premiums earned and the losses incurred. Losses incurred refer to claims paid out during the year and changes to the loss reserves.

Explaining 'Calendar Year Experience'

Underwriting can be defined as the process of insuring someone. Insurance underwriters usually assess a client, decide how much coverage the client should receive, how much the clients should pay for the coverage or whether to accept the risk and insure them. Underwriting involves measuring risk exposure and determining the premium that needs to be charged to insure that risk.


Further Reading


Calendar anomalies: Abnormal returns at calendar turning points
www.tandfonline.com [PDF]
… Furthermore, a study of firms with non-December fiscal years presents stronger evidence.28 Such companies do not experience a return seasonal at the turn of their fiscal year, as informational risk is resolved, but rather at calendar year-end …

Calendar effects in Chinese stock marketCalendar effects in Chinese stock market
eprints.soton.ac.uk [PDF]
… Furthermore, a study of firms with non-December fiscal years presents stronger evidence.28 Such companies do not experience a return seasonal at the turn of their fiscal year, as informational risk is resolved, but rather at calendar year-end …

The distributional effects of the multi-track year-round calendar: a quantile regression approachThe distributional effects of the multi-track year-round calendar: a quantile regression approach
www.tandfonline.com [PDF]
… Furthermore, a study of firms with non-December fiscal years presents stronger evidence.28 Such companies do not experience a return seasonal at the turn of their fiscal year, as informational risk is resolved, but rather at calendar year-end …

Calendar effects in Eastern European financial markets: evidence from the Czech Republic, Slovakia and SloveniaCalendar effects in Eastern European financial markets: evidence from the Czech Republic, Slovakia and Slovenia
www.tandfonline.com [PDF]
… Furthermore, a study of firms with non-December fiscal years presents stronger evidence.28 Such companies do not experience a return seasonal at the turn of their fiscal year, as informational risk is resolved, but rather at calendar year-end …

The long-run performance of initial public offerings: The UK experience 1980-1988The long-run performance of initial public offerings: The UK experience 1980-1988
www.jstor.org [PDF]
… Furthermore, a study of firms with non-December fiscal years presents stronger evidence.28 Such companies do not experience a return seasonal at the turn of their fiscal year, as informational risk is resolved, but rather at calendar year-end …

Shareholder wealth effects of corporate takeovers: the UK experience 1955–1985Shareholder wealth effects of corporate takeovers: the UK experience 1955–1985
www.sciencedirect.com [PDF]
… Furthermore, a study of firms with non-December fiscal years presents stronger evidence.28 Such companies do not experience a return seasonal at the turn of their fiscal year, as informational risk is resolved, but rather at calendar year-end …

A Proposal: Legal Education in Two Calendar YearsA Proposal: Legal Education in Two Calendar Years
heinonline.org [PDF]
… Furthermore, a study of firms with non-December fiscal years presents stronger evidence.28 Such companies do not experience a return seasonal at the turn of their fiscal year, as informational risk is resolved, but rather at calendar year-end …

Reducing Medicaid churning: extending eligibility for twelve months or to end of calendar year is most effectiveReducing Medicaid churning: extending eligibility for twelve months or to end of calendar year is most effective
www.healthaffairs.org [PDF]
… Furthermore, a study of firms with non-December fiscal years presents stronger evidence.28 Such companies do not experience a return seasonal at the turn of their fiscal year, as informational risk is resolved, but rather at calendar year-end …

Construction and validation of calendar-year time scale for annually laminated sediments–an example from Lake Szurpiły (NE Poland)Construction and validation of calendar-year time scale for annually laminated sediments–an example from Lake Szurpiły (NE Poland)
www.tandfonline.com [PDF]
… Furthermore, a study of firms with non-December fiscal years presents stronger evidence.28 Such companies do not experience a return seasonal at the turn of their fiscal year, as informational risk is resolved, but rather at calendar year-end …



Q&A About Calendar Year Experience


What does underwriting mean?

Underwriting means insuring someone.

How can you define insurance underwriters?

Insurance underwriters usually assess a client, decide how much coverage the client should receive, how much the clients should pay for the coverage or whether to accept the risk and insure them.

What is the process of underwriting?

The process of underwriting involves measuring risk exposure and determining the premium that needs to be charged to insure that risk.

Why do insurance companies use calendar year experience?

Calendar year experience refers to an insurance company's "experience" during a calendar year in terms of premiums earned and losses incurred.

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