The Hartford Financial Services Group Package Business — 6th Year increased by 2.3% to 4.4% in Q4 2025 compared to the prior quarter. Year-over-year, this metric grew by 2.3%, from 4.3% to 4.4%. This increase may warrant attention — for this metric, lower values are generally preferred.
Unexpected increases at this stage may indicate latent liability issues or adverse development in long-tail claims.
Refers to the loss experience or premium development for policies in their sixth year of coverage within the package bus...
Standard actuarial cohort analysis used across the insurance industry to track policy lifecycle performance.
hig_segment_package_business_6th_year| Q4 '21 | Q4 '22 | Q4 '23 | Q4 '24 | Q4 '25 | |
|---|---|---|---|---|---|
| Value | 3.2% | 3.4% | 3.9% | 4.3% | 4.4% |
| QoQ Change | — | +6.3% | +14.7% | +10.3% | +2.3% |
| YoY Change | — | +6.3% | +14.7% | +10.3% | +2.3% |