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Upturn AI Summary
iShares U.S. Insurance ETF(IAK)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for IAK
10/28/2026: IAK (2-star) has a low Upturn Star Rating. Not recommended to BUY.
IAK is a market-cap-weighted ETF that provides targeted exposure to the U.S. insurance industry, including P&C, life, and health insurers. Its primary strengths are its low expense ratio, high liquidity, and efficient tracking of the insurance sector. The fund is best used as a satellite holding for investors seeking to tilt their portfolios toward insurance or financials. Key risks include the cyclical nature of the insurance industry, sensitivity to interest rates, and the impact of catastrophic events. It is an ideal fit for value-oriented and income-focused investors looking for long-term sector exposure.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
ETF holdings, costs, diversification, valuation, risks, and market conditions provide supporting context about the fund.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | Insurance is typically a value-oriented, cyclical sector rather than a high-growth technology segment. |
| Momentum investor | Strong fit while signal remains positive | The sector can exhibit strong momentum when interest rates rise or after a period of market rotation into financials. |
| Value investor | Strong fit | Many insurance companies feature solid balance sheets and attractive valuations relative to the broader market. |
| Dividend/Income investor | Strong fit | The insurance sector is known for stable cash flows and consistent dividend payments. |
| Low-risk investor | Mixed fit | While established, insurance companies face inherent risks from catastrophic losses and regulatory changes. |
Investor Profile
Ideal Investor Profile
Investors seeking specialized, liquid exposure to the U.S. insurance industry, particularly those with a value or income orientation.
Suitability
Best suited for long-term investors or tactical traders looking to express a view on the insurance sector or financial cycles.
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Volatility | Medium | Insurance stocks are cyclical and sensitive to market cycles and large loss events. |
| Market risk | Medium | The fund is subject to general equity market downturns affecting the financial sector. |
| Concentration | High | Concentrating investments in one specific industry increases vulnerability to sector-specific headwinds. |
| Tracking/expense | Low | The ETF has a low expense ratio and minimal tracking error against its index. |
| Liquidity | Low | The underlying assets are generally large-cap and liquid, reducing liquidity risk. |
| Business/sector quality | Medium | Success depends on underwriting accuracy and successful management of investment portfolios. |
Risk Analysis
Volatility
IAK shows moderate historical volatility, generally tracking in line with the broader financial sector index.
Market Risk
The fund is exposed to systemic risks affecting the financial services industry, including interest rate sensitivity and broad economic downturns.
What the ETF Owns
| Exposure Type | Exposure | Weight (%) | Retail Investor Read |
|---|---|---|---|
| Industry | Property & Casualty Insurance | 45 | This segment provides stability and underwriting revenue, forming the core of the portfolio. |
| Industry | Life & Health Insurance | 35 | These holdings capture long-term investment-based insurance products and annuity services. |
| Industry | Insurance Brokers | 15 | Brokers provide diversified fee-based revenue streams that are often less sensitive to underwriting risks. |
| Cash/collateral | Cash and Equivalents | 5 | Small cash balances are maintained to manage daily inflows, outflows, and rebalancing needs. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Very Smooth
The stock has followed a highly orderly price path with minimal short-term disruption.
Analysis of Past Performance
Type ETF | Historic Profit -5.97% | Avg. Invested days 40 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Advisory Rating  | Upturn Advisory Performance  2.0 | ETF Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/28/2026 |
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