메리츠화재, 장기 위험 69%대 선방…보장섬 중심 포트의 격차

Meritz Fire & Marine Insurance's stable loss ratios amid industry-wide increases demonstrate the competitive advantage of profitability-driven underwriting over volume-focused strategies. By systematically prioritizing high-margin protection-type products while restricting unprofitable lines, the company has built a quality portfolio that withstands claims inflation. This disciplined approach shows that selective underwriting and portfolio management create sustainable differentiation in competitive insurance markets.