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An insurance business has value if its cost of float over time is less than the cost the company would otherwise incur to obtain funds. But the business is a lemon if its cost of float is higher than market rates for money.. Buffett also touches on what makes valuing an insurance company difficult.nsurance Valuation Insight. A couple of key metrics can be used to value insurance companies, and these metrics happen to be common to financial firms in general. These are price to book (P/B) and return on equity (ROE).
Comparing Life Insurance Quotes. 1  1. Evaluate the annual benefits and premium. 2  2. Calculate the amount of cash value you can accumulate. 3  3. Assess the fees.  4. Ask if you can convert a term policy to a cash value 1  policy. 5. Find out if the cash value portion of your policy has dividends.