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Hi Kam Fook,
It seems that someone is adventurous here! Glad that I can have someone to exchange pointers with now. Actually, I’m still learning the insurance industry and yet to figure out an ideal valuation method that would fit an insurance company. Although I have read from some savvy investors, and it seems to me that they like to P/B ratio as a quick indication of value. I thought there should be some values of income coming from investment of the free floats too but couldn’t finalise it at this stage. What do you think?