Taking stock

Article Abstract:

The core problem of mutual insurer's plan to shift to stock ownership is how to get more capital to improve the company or make acquisitions. The conversion however carries its own share of disadvantages. It entails the daily hardships of dealing with stock prices, securities analysts and a fluctuating investment community. The mutual form of ownership exists in banks, credit unions and insurance. Due to the expected high costs of full 'demutualization,' states have come up with some legislations allowing insurers to partially 'demutualize' by forming mutual holding companies.

Cover Story, Bank holding companies

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Getting instant answers can be a slow process

Article Abstract:

The Insurance Regulatory Information Network via its link with the Regulatory Information Retrieval System provides disciplinary history and licensing details on agents, brokers and insurance companies. This new national web site has the means of knowing whether a certain company or brokers has been subjected to a disciplinary action. The site will also indicate whether the license of a particular company is valid, surrendered, suspended, lapsed or terminated.

Usage, Web sites (World Wide Web), Web sites, Licensing agreements

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