Which of the following indicates a breakeven point in insurance?

A breakeven point in insurance is represented by a ratio of exactly 100%. This ratio typically refers to the loss ratio, which is calculated by dividing the total losses by the total premiums earned. When this ratio is equal to 100%, it indicates that the insurer's losses and expenses match the premiums collected, meaning they are not making a profit or a loss.

This concept is central to understanding the financial performance of an insurance company. A ratio above 100% signifies that losses exceed the premiums, leading to an operating loss, while a ratio below 100% suggests that premiums collected are sufficient to cover the losses, generating profit for the insurer. Continuous loss payments, while indicative of claims activity, do not directly define the breakeven point and can occur independently of the breakeven ratio.