Money for nothing

Article Abstract:

Warren Buffet is able to use money from other people without charge since his Berkshire conglomerate includes an insurer. Insurers receive funds before underwriting risks, and they pay out after claims are settled, so they have funds on which to earn a return for which no payment is necessary. Insurers have to be profitable, and there is a risk that competition in the insurance industry can push premiums too low for profits to be made. Independent Insurance is another insurer that is profitable, and it is selective about the risks it takes on.

Portfolio Management, Analysis

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On the home front: Although a Royal Commission report on long term care is still awaited, few of us can afford to wait for the Government's response before planning for our later years

Article Abstract:

Around one in four retirees will have to go into a nursing home or will require regular visits from a nurse before they die. It is important to consider a long term care assurance policy whilst still young and fit enough to be insurable. Such policies aim to pay for nursing home residential care for those who cannot care of themselves. The three types of policy available are immediate needs policies, single or regular premium pre-funded protection plans and investment bond based plans.

Planning, Purchasing, Finance, Personal finance, Retirement planning, Insurance policies

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Goshawk Insurance

Article Abstract:

UK insurer Goshawk Insurance has good growth potential and its shares are trading 14% under its net asset value, making the shares a good buy. Goshawk, a Lloyd's insurer, benefits from the fact that it wholly owns the businesses it manages, with no Lloyd's Names being involved.

Securities, Goshawk Insurance Holdings

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