Banks vs. insurers: if the banks win, does anyone lose?

Article Abstract:

Allowing banks to enter the insurance market will have substantial benefits to banks, insurance companies and consumers with no losers unless sufficient regulatory protections are not introduced. An evaluation of bank-insurer combinations in other countries can give US companies guidelines for successful and less successful techniques. The main factors are costs, diverse products and financial strength and any company willing to differentiate products and meet the other two factors can succeed in the larger market. One consumer benefit would be broader access to insurance.

Banking industry, Deregulation

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The merger of mutual life insurance companies: a possible answer to the demands of the 1990s

Article Abstract:

Mergers were not previously considered in the mutual life insurance industry because of the lack of a competitive atmosphere, control issues and reliance on statutory profits. However, market changes in the 1990s are making the industry increasingly competitive and mergers are a reasonable way to maintain a successful company. Many issues must be considered when two solvent companies are merged including control, personnel management, long-term goals and equity and surplus principles. These and other issues need to be pre-decided for successful mergers.

Mergers, acquisitions and divestments, Acquisitions and mergers, Life insurance industry

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Manage risk, don't avoid it

Article Abstract:

Life insurance companies need to reevaluate their management procedures in light of the market emphasis on financial stability, quality and integrity without taking the extreme measure of avoiding risk. The insurance industry is no longer an automatic profit making industry and so companies need to harmonize the desires of the stockholders with the expectations of the policyholders. The management system should integrate financial reporting, pricing, planning and valuation while generating a scorecard to indicate areas of improvement and emphasis.

Risk (Insurance)

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