Sentences with phrase «mutual life insurers»

Finally, the largest mutual life insurers have an AA + rating.

This strategy reflects the generational approach of mutual life insurers, who focus on managing their companies to enable them to provide coverage for multiple generations of policyholders.

From 2008 to 2014, publicly traded insurers increased life insurance assets 1.9 % a year on average, while during the same time frame mutual life insurers averaged 6.6 %.

Usually good mutual life insurers will declare a dividend.

The largest mutual life insurers have an AA + rating.

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.

Headquartered in New York, New York Life remains a Fortune 100 company, is the largest mutual life insurer in the U.S. and is one of the largest life insurers in the world.

Given the difference in ownership structure between mutual vs stock companies, it should come as no surprise that studies have found that mutual life insurers typically are more frugal than stock life insurers at running their businesses.

Today we're delving into one of the few remaining mutual life insurers in the marketplace, Mutual Trust Life Insurance Company.

Additionally, unlike the management of mutual life insurers, the management of stock life companies often receives a portion of their compensation in the form of stock options linked to the company's stock price.

New York Life, America» s largest mutual life insurer, today introduced Value Whole Life, a new lower - premium whole life product that gives policy owners guaranteed cash value with eligibility to receive future dividends.

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

As another boss of mine once said, «It doesn't take mere incompetence to kill a mutual life insurer; it takes malice.»

As my old boss said, «It takes more than incompetence to kill a mutual life insurer, it takes malice.»»

That said, the only real loser was another mutual life insurer that bought the company after insufficient due diligence.

Stock insurance firms must report on their performance every quarter to their investors, which means their management needs to focus on shorter term performance to a greater degree than mutual life insurers.

This tendency likely stems from the difference in focus between the two types of insurers: mutual life insurers are managed solely for the benefit of their policyholders while stock insurers must consider the desires of their shareholders to make a profit along with the need to provide life insurance policies that attract interest from potential applicants.

Full demutualization: A mutual life insurer converts to a stock insurance company.

Without the need to also return profits in the form of dividends to shareholders as well, mutual life insurers are typically able to build up larger surpluses considered in relation to total assets than stock insurers, helping support consistent dividend payments.

Additionally, mutual life insurers may be thought to be more likely to equitably treat all policyholders, such as in cases where falling interest rates result in reduced payout rates on the company's entire policyholder roster.

Having worked in the pension business while an actuary at a mutual life insurer, I had the experience of reviewing the pension services proposals of a number of competitors, and of complementary service providers.

Position: none, but at the mutual life insurer, we had a saying, «We're out to save the world for 25 basis points on assets, plus shipping and handling.»

Guardian is one of the nation's largest mutual life insurers and a leading provider of employee benefits and offerings range from life insurance, disability income insurance, annuities, and investments to dental and vision insurance and employee benefits.

It was 1992, and I had just been hired by a mutual life insurer, allowing me to escape the clutches of AIG.

Since we are on the topic of Goldman Sachs, in 1994, an actuary from Goldman came to meet me at the mutual life insurer where I worked.

Participating Policy A participating policy is typically issued by a mutual life insurer whose profits (surplus) are for the benefit of its policyholders.

Guardian is one of the nation's largest mutual life insurers and a leading provider of employee benefits and offerings range from life insurance, disability income insurance, annuities, and investments to dental and vision insurance and employee benefits.

A participating policy is typically issued by a mutual life insurer whose profits (surplus) are for the benefit of its policyholders.

Finally, the largest mutual life insurers have an AA + rating.

Basically all insurance companies, whether they are Mutual Life Insurers or private corporations, provide two types of products: Term Life and Permanent Life insurance.