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Q4 Earnings Expected to Be 'Awful' for Canadian Lifecos

Look at any company with revenues/capital contributions (ie investable funds), whether insurers like ALL, AFL, SIGI, or technology companies like QCOM, and the list goes on: their businesses have suffered due to investment losses.

Things to look for:
1. Investment losses (realized, and unrealized), concentrations of any kind, hedging of concentrated positions, etc

2. New Sales(premiums), by product category....some are mre discretionary than others

3. Recurring sales(premiums), have insureds been cancelling their contracts, cashing out, etc?


As developed nations, funded by credit over several years, trend somewhat along the spectrum towards the cash economy (0% leverage), where will growth come from in general? and how do people allocate their cash (+diminished credit)?