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Should You Invest in the iShares U.S. Insurance ETF (IAK)?

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Launched on 05/01/2006, the iShares U.S. Insurance ETF (IAK - Free Report) is a passively managed exchange traded fund designed to provide a broad exposure to the Financials - Insurance segment of the equity market.

While an excellent vehicle for long term investors, passively managed ETFs are a popular choice among institutional and retail investors due to their low costs, transparency, flexibility, and tax efficiency.

Sector ETFs also provide investors access to a broad group of companies in particular sectors that offer low risk and diversified exposure. Financials - Insurance is one of the 16 broad Zacks sectors within the Zacks Industry classification. It is currently ranked 2, placing it in top 13%.

Index Details

The fund is sponsored by Blackrock. It has amassed assets over $745.57 million, making it one of the average sized ETFs attempting to match the performance of the Financials - Insurance segment of the equity market. IAK seeks to match the performance of the Dow Jones U.S. Select Insurance Index before fees and expenses.

The Dow Jones U.S. Select Insurance Index includes companies providing a range of specialized financial services, including securities brokers & dealers, online brokers & securities or commodities exchanges.

Costs

Since cheaper funds tend to produce better results than more expensive funds, assuming all other factors remain equal, it is important for investors to pay attention to an ETF's expense ratio.

Annual operating expenses for this ETF are 0.39%, making it on par with most peer products in the space.

It has a 12-month trailing dividend yield of 1.50%.

Sector Exposure and Top Holdings

It is important to delve into an ETF's holdings before investing despite the many upsides to these kinds of funds like diversified exposure, which minimizes single stock risk. And, most ETFs are very transparent products that disclose their holdings on a daily basis.

This ETF has heaviest allocation in the Financials sector--about 100% of the portfolio.

Looking at individual holdings, Progressive Corp (PGR - Free Report) accounts for about 16.37% of total assets, followed by Chubb Ltd (CB - Free Report) and Travelers Companies Inc (TRV - Free Report) .

The top 10 holdings account for about 66.10% of total assets under management.

Performance and Risk

So far this year, IAK has lost about -0.23%, and was up about 26.72% in the last one year (as of 01/06/2025). During this past 52-week period, the fund has traded between $101.39 and $138.16.

The ETF has a beta of 0.82 and standard deviation of 17.94% for the trailing three-year period, making it a medium risk choice in the space. With about 57 holdings, it effectively diversifies company-specific risk.

Alternatives

IShares U.S. Insurance ETF holds a Zacks ETF Rank of 2 (Buy), which is based on expected asset class return, expense ratio, and momentum, among other factors. Because of this, IAK is a great option for investors seeking exposure to the Financials ETFs segment of the market. There are other additional ETFs in the space that investors could consider as well.

Invesco KBW Property & Casualty Insurance ETF (KBWP - Free Report) tracks KBW Nasdaq Property & Casualty Index and the SPDR S&P Insurance ETF (KIE - Free Report) tracks S&P Insurance Select Industry Index. Invesco KBW Property & Casualty Insurance ETF has $454.03 million in assets, SPDR S&P Insurance ETF has $994.22 million. KBWP has an expense ratio of 0.35% and KIE charges 0.35%.

Bottom Line

To learn more about this product and other ETFs, screen for products that match your investment objectives and read articles on latest developments in the ETF investing universe, please visit Zacks ETF Center.

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