Changes in mutual life insurer ownership form

Article Abstract:

The authors discuss the reasons for and the result of life insurance companies changing ownership form by demutualization. Data indicates that financial variables such as surplus to asset ratios and free cash flow correlates with demutualization. Statistical data is depicted in charts and graphs.

Statistical Data Included, Insurance industry, Influence, Life insurance industry, Corporate reorganizations

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Calculating life insurance need: don't let the tools fool you

Article Abstract:

The utility of online calculators for determining the life insurance needs of a couple is evaluated. It is determined that "homemade" calculators using spreadsheets, though they involve more work, will also produce more accurate results.

On-Line Information Services, Videotex & Teletext, Telegraph & other communications, Investment advice, Investment Advisory Services, Usage, Online services, Internet services, Cable television, Technology application, Investment advisers, Valuation, Cable television/data services

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An examination of policy yields: participating whole life and universal life

Article Abstract:

The authors analyze two forms of cash value life insurance, participating whole life and universal life, to understand differences in policy yields. Results indicate UL yields were higher than PWL.

Insurance policies

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