Sentences with phrase «mutual insurer»

While dividends aren't guaranteed, the largest mutual insurers have consistently distributed them for decades.

Not all whole life insurance policies pay dividends, and this option is typically available at mutual insurers (since the company's owners are its policyholders).

This is somewhat strange for a mutual company, since the majority of top mutual insurers offer participating whole life.

It also provided better means to affiliate with other mutual insurers.

I spent a little time this evening reviewing the prices of junior debt securities of marginally investment grade banks (and a few mutual insurers, also).

Because of this, mutual insurers typically can set lower profit goals than stock insurers, given that they aren't subject to pressure from outside investors to deliver high returns.

Whole life is typically not offered by stock companies but is the flagship product of many mutual insurers.

However the world of insurance is changing and you never know what non mutual insurers will come up with.

While dividends aren't guaranteed, the largest mutual insurers have consistently distributed them for decades.

Not all whole life insurance policies pay dividends, and this option is typically available at mutual insurers (since the company's owners are its policyholders).

It also provided better means to affiliate with other mutual insurers.

While policies sold by mutual life insurers are similar in many ways to those sold by stock life insurance companies, as we have seen, there are certain benefits to buying policies from mutual insurers.

Amica Life Insurance Company is the oldest mutual insurer of automobiles in the United States, with more than 100 years in the insurance business.

Founded in 1907, Amica Insurance is the oldest mutual insurer of automobiles in the country.

Some charities (or nonprofits like mutual insurers or credit unions) can be less than scrupulous about what managers get paid.

To increase the premiums, mutual insurers launched successful marketing campaigns that promoted ownership benefits; essentially the policyholders were owners of the mutual company and shared in the company's profits through dividends or reduced premiums.

5) Buy IPOs when they are forced to occur and are hated, like my experience with the Prudential «C» bonds, and most mutual insurer conversions.

One final note — there is one medium - sized mutual insurer flying under the radar that I think its state regulator is unaware of the risks that it faces, and the rating agencies as well... it carries high ratings from all the main insurance raters.

Life insurance is far more fragmented, and has a decent slug of mutual insurers who don't have an explicit profit motive.

Another advantage associated with life insurance policies sold by mutual insurers is that these firms are known for delivering similar treatment to their complete book of business, meaning that when payout rates are lowered due to falling interest rates these companies typically lower them for older policies as well as for newer policies.

Represented mutual insurer in Bermuda Form dispute relating to alleged repudiation by insurer.

«Coles explains, «NJM operates as a true mutual insurer in the interest of its policyholders.

Mutual insurers issue participating policies, in which policyowners share in the company's ownership and receive dividends of the divisible surplus of the company's profits.

It was the world's first mutual insurer and it pioneered age based premiums based on mortality rate laying «the framework for scientific insurance practice and development» [5] and «the basis of modern life assurance upon which all life assurance schemes were subsequently based».

Cons: As with the other A + + Superior rated mutual insurers, Northwestern Mutual's life insurance rates are often higher compared to other Superior (A + rated) rated insurers.

That allocation system, similar to what is done with mutual insurers («the contribution principle») solves a lot of problems: people rushing to deposit when they hear about a demutualization, or, small depositors that think they will get a biggish slug of stock.

In the world of life insurance, mutual insurers offering dividend paying whole life insurance are somewhat of a unicorn.

Amica Life Insurance Company is the oldest mutual insurer of automobiles in the United States, with more than 100 years in the insurance business.

To increase the premiums, mutual insurers launched successful marketing campaigns that promoted ownership benefits; essentially the policyholders were owners of the mutual company and shared in the company's profits through dividends or reduced premiums.

Not all whole life insurance policies pay dividends, and this option is typically available at mutual insurers (since the company's owners are its policyholders).

Positives: AARP's New York Life offering has several selections of life insurance that are backed by one of the largest mutual insurers in the U.S. and the world.

Similarly, if you have a participating whole life insurance policy from a mutual insurer, you can also use any dividends you receive to purchase paid - up additions.

Similarly, if you have a participating whole life insurance policy from a mutual insurer, you can also use any dividends you receive to purchase paid - up additions.

I've been analyzing on some surplus notes from a mutual life insurer which is part of a group of mutual insurers.

Mutual insurers are opaque, because there are no large private interests ext...

Mutual insurers are opaque, because there are no large private interests external to the company with a concentrated interest in the well - being of the company.

Mutual Trust still operates like a mutual insurer, even though its parent company is a stock insurance company.

Mutual insurers are owned by their policyholders, so profits are redistributed as dividends annually.

Mutual insurers have less stringent capital requirements and higher reliance on premiums from policy holders for cash flow.

Guardian Life Insurance Company of America is one of the nation's largest mutual insurers.

The company was merged into another mutual insurer, and most kept their jobs, but the work we did was made obsolete by the merger.

As a mutual insurer, policyholders may be eligible for dividends — which can be taken as cash, or added to a permanent life insurance policy's cash value, or used to purchase additional life insurance protection.

If the mutual insurer is supposed to subsidize care, how should they do it?

He envisaged that it was possible that a local authority could, for example, enter into a contract with a company for the provision of advice as to the avoidance of damage to property in its area through fire or accident, and that it could buy such services and insurance from a mutual insurer such as LAML.

In a landmark two - part judgment (Risk Management Partners Ltd v Brent London Borough Council and others [2008] All ER (D) 226 (May)-RRB- which will have far - reaching implications for the insurance industry and for local authorities, the High Court has found that Brent LBC had no power to participate in London Authorities Mutual Limited (LAML), a mutual insurer for London borough councils.

Higher auto insurance rates are likely on the horizon, but Ontario's mutual insurers will have to look to other areas - like service - to boost performance in the...

Although the company began as a mutual insurer — meaning that it was essentially owned by the policyholders that it served — in 2002, Sagicor Life Insurance Company decided to demutualize.