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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).
Cash-value life insurance pays a beneficiary upon the death of the policyholder, and accumulates a cash value during the policyholderâs lifetime. Personal Finance. If you die with cash value left in your life insurance policy, the money goes to the insurance company â not to your beneficiaries.