Torchmark SWOT Analysis, Competitors & USP

Posted in Banking & Financial Services, Total Reads: 1322

SWOT Analysis of Torchmark with USP, Competition, STP (Segmentation, Targeting, Positioning) - Marketing Analysis


Parent Company

Torchmark Corporation




Banking & Financial Services

Tagline/ Slogan

For "middle income" Americans


Specializing in life and supplemental health insurance

Torchmark STP


Life insurance, health insurance, investment, other, and annuity

Target Group

Middle income households


Marketed through multiple distribution channels including direct response, and exclusive and independent agencies.

Torchmark SWOT Analysis


Below is the Strengths, Weaknesses, Opportunities & Threats (SWOT) Analysis of Torchmark. Strengths are:

1. Focus on middle markets through niche subsidiaries
2. Continued strong performance at life insurance segment
3. Efficient underwriting and prudent product focus generating higher underwriting margins
4. Torchmark markets its products under the names of each subsidiary, rather than the Torchmark name, to take advantage of brand recognition


Here are the weaknesses of Torchmark :

1. Sizable exposure to below investment grade bonds and adverse credit migration
2. Declining health insurance margin is a concern


Following are the Opportunities of Torchmark :

1. Turnaround in US life insurance and pension market
2. Expanding healthcare business
3. Positive trends in the US healthcare sector would help Torchmark market its products effectively and fuel its revenue growth


The threats of Torchmark are as mentioned :

1. Competitive pressures likely to intensify pressure on margins
2. Regulatory changes could affect financial strength and performance
3. Increased incidence of natural disasters testing claims paying capability

Torchmark Competition


Below are the 3 main Torchmark competitors :

1. Citigroup Inc.
2. Lincoln National Corporation
3. Pacific Mutual Holding Company

The brandguide table above concludes the Torchmark SWOT analysis along with its marketing and brand parameters. Similar analysis has also been done for the competitors of the company belonging to the same category, sector or industry.


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