Editor's Note: Any reference to TheStreet Ratings and its underlying recommendation does not reflect the opinion of TheStreet, Inc. or any of its contributors including Jim Cramer or Stephanie Link.

All three major indices are trading up today with the

Dow Jones Industrial Average

(

^DJI

) trading up 97 points (0.6%) at 17,481 as of Wednesday, Nov. 5, 2014, 12:20 PM ET. The NYSE advances/declines ratio sits at 1,800 issues advancing vs. 1,144 declining with 202 unchanged.

The Insurance industry currently sits up 0.2% versus the S&P 500, which is up 0.5%.

TheStreet would like to highlight 3 stocks pushing the industry lower today:

3.

Hilltop Holdings

(

HTH

) is one of the companies pushing the Insurance industry lower today. As of noon trading, Hilltop Holdings is down $0.77 (-3.5%) to $21.10 on average volume. Thus far, 149,295 shares of Hilltop Holdings exchanged hands as compared to its average daily volume of 224,200 shares. The stock has ranged in price between $20.89-$21.98 after having opened the day at $21.90 as compared to the previous trading day's close of $21.87.

STOCKS TO BUY: TheStreet Quant Ratings has identified a handful of stocks that can potentially TRIPLE in the next 12 months. Learn more.

Hilltop Holdings Inc. operates as the holding company for PlainsCapital Bank that provides business and consumer banking services in Texas. Hilltop Holdings has a market cap of $2.0 billion and is part of the financial sector. Shares are down 5.5% year-to-date as of the close of trading on Tuesday. Currently there are 3 analysts that rate Hilltop Holdings a buy, no analysts rate it a sell, and none rate it a hold.

TheStreet Ratings rates

Hilltop Holdings

as a

buy

. The company's strengths can be seen in multiple areas, such as its solid stock price performance, impressive record of earnings per share growth, largely solid financial position with reasonable debt levels by most measures, notable return on equity and compelling growth in net income. We feel these strengths outweigh the fact that the company shows weak operating cash flow. Get the full

Hilltop Holdings Ratings Report

now.

STOCKS TO BUY: TheStreet Quant Ratings has identified a handful of stocks that can potentially TRIPLE in the next 12 months. Learn more.

2. As of noon trading,

RenaissanceRe Holdings

(

RNR

) is down $2.06 (-2.0%) to $101.11 on heavy volume. Thus far, 249,667 shares of RenaissanceRe Holdings exchanged hands as compared to its average daily volume of 306,400 shares. The stock has ranged in price between $98.58-$102.42 after having opened the day at $98.58 as compared to the previous trading day's close of $103.17.

STOCKS TO BUY: TheStreet Quant Ratings has identified a handful of stocks that can potentially TRIPLE in the next 12 months. Learn more.

RenaissanceRe Holdings Ltd., together with its subsidiaries, provides reinsurance and insurance coverages and related services in the United States and internationally. The company operates in three segments: Catastrophe Reinsurance, Specialty Reinsurance, and Lloyd's. RenaissanceRe Holdings has a market cap of $4.1 billion and is part of the financial sector. Shares are up 6.0% year-to-date as of the close of trading on Tuesday. Currently there are no analysts that rate RenaissanceRe Holdings a buy, 2 analysts rate it a sell, and 8 rate it a hold.

TheStreet Ratings rates

RenaissanceRe Holdings

as a

buy

. The company's strengths can be seen in multiple areas, such as its revenue growth, largely solid financial position with reasonable debt levels by most measures, notable return on equity, expanding profit margins and good cash flow from operations. Although the company may harbor some minor weaknesses, we feel they are unlikely to have a significant impact on results. Get the full

RenaissanceRe Holdings Ratings Report

now.

STOCKS TO BUY: TheStreet Quant Ratings has identified a handful of stocks that can potentially TRIPLE in the next 12 months. Learn more.

1. As of noon trading,

Voya Financial

(

VOYA

) is down $0.33 (-0.8%) to $39.05 on light volume. Thus far, 616,438 shares of Voya Financial exchanged hands as compared to its average daily volume of 1.7 million shares. The stock has ranged in price between $38.45-$39.75 after having opened the day at $39.39 as compared to the previous trading day's close of $39.38.

STOCKS TO BUY: TheStreet Quant Ratings has identified a handful of stocks that can potentially TRIPLE in the next 12 months. Learn more.

Voya Financial, Inc. operates as a retirement, investment, and insurance company in the United States. The company has five segments: Retirement, Annuities, Investment Management, Individual Life, and Employee Benefits. Voya Financial has a market cap of $10.0 billion and is part of the financial sector. Shares are up 12.0% year-to-date as of the close of trading on Tuesday. Currently there are 6 analysts that rate Voya Financial a buy, 1 analyst rates it a sell, and 4 rate it a hold.

TheStreet Ratings rates

Voya Financial

as a

hold

. The company's strengths can be seen in multiple areas, such as its robust revenue growth, solid stock price performance and impressive record of earnings per share growth. However, as a counter to these strengths, we also find weaknesses including weak operating cash flow and poor profit margins. Get the full

Voya Financial Ratings Report

now.

STOCKS TO BUY: TheStreet Quant Ratings has identified a handful of stocks that can potentially TRIPLE in the next 12 months. Learn more.

If you are interested in one of these 3 stocks, ETFs may be of interest. Investors who are bullish on the insurance industry could consider

KBW Insurance ETF

(

KIE

) while those bearish on the insurance industry could consider

Proshares Short Financials

(

SEF

).

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