Contributing Member of the Financial & Business Services Councils

All News Analyses by this Author

Left alone by government, markets will always find the way to profitability.

June 16, 2009

Analysis of:We don't win in State Farm vs. Charlie Crist | www.orlandosentinel.com

Too much government interference and dictation has put a massive, Florida employing company in such a frame of mind that it will probably leave Florida even if Tallahassee changes it's tenor. 

Rate increases for the State run property insurance company.

April 20, 2009

Analysis of:Insurance Task Force Backs Capped Hike Of Citizens' Rates | www2.tbo.com

Florida officials now understand how the business of insurance works in Florida and how much it really does cost.

Floods And Crop Futures

July 14, 2008

Analysis of:P/C Insurers Still Above Water After 2008 Midwest Floods: S&P | www.insuranceassetmanager.com

Will The Mid-West Floods Of Early Summer Negatively Affect Crop Futures?

The public no longer needs state run insurance programs as competition has returned

June 30, 2008

Analysis of:Growth of State-Run Property Insurance Plans Flattens | usinsurancenews.com

FAIR Plans are no longer the only carrier in business. 

Both insureds and agents realize the necessity of Life Insurance, no matter how hard the times, or cost.

June 9, 2008

Analysis of:Only Universal Life Sales Show Growth in the First Quarter in 2008, LIMRA Reports | www.insurancenewsnet.com

Insureds know they must have Life Insurance, but they are scared to buy what can be an excruciatingly complicated protective instrument. An agent seasoned by years of application can help the insured select a Life Insurance policy that will suit their circumstances.

Rates are stabilizing, but availability and capacity remain soft.

June 2, 2008

Analysis of:Insurance Markets May Stabilize, MMC Reports | www.propertyandcasualtyinsurancenews.com

Underwriters are the gatekeepers of rates. In the current insurance environment, they bring fiscal discipline to the market as opposed to simply offering lower rates for the sake of more business. 

Overbearing Regulation; "Do As We Say......"

May 19, 2008

Analysis of:Florida Senate Property Insurance Bill Pleases Regulators, Angers Insurers | www.insurancejournal.com

As Insurance Regulation In Florida Goes, So Will The Free Insurance Market- Hard 

Agents Must Involve Their Insureds In The Policies Written For Them

May 13, 2008

Analysis of:Hurricane and Windstorm Deductibles | www.iii.org

 An Educated And Fiscally Involved Insured Is Good Business For Everyone

Credit Scoring Should Not Be Used In Determining The Price For Insurance Except For Bonding.

April 28, 2008

Analysis of:Credit Scoring | www.iii.org

Credit scoring further injures those applicants who have had very difficult changes in their lives- mostly by no fault of their own.

Florida's Soft Market May End Due To Legislative, Not Natural Distasters.

April 21, 2008

Analysis of:Senate passes homeowner's insurance bill tougher on companies | www.sun-sentinel.com

Let The Industry Stabilize And Grow By It's Own Dynamics Instead Of Another House Bill. 

With Hurricane Season Approaching, Have Insurers Been Charging Enough?

April 14, 2008

Analysis of:Active hurricane season predicted | www.businessinsurance.com

This Storm Season Will Identify Those Carriers Who Have Managed Growth And This Soft-Market With Discipline.

Florida Property Insurance Poll: No More Quick Fixes

March 31, 2008

Analysis of:Florida Property Insurance Poll: No More Quick Fixes | www.insurancenewsnet.com

Government band-aids can only cover injuries that a true free market can heal.

The ore is hot. ..now strike.

March 26, 2008

Analysis of:US property insurance 2008 rates seen flat to soft | www.reuters.com

In this soft-market, Insurance profit centers must add as many new clients as is possible, but must adhere to strong fiscal discipline at the same time.

More regulation of insurance.

March 24, 2008

Analysis of:New ‘Bermuda Triangle’ Emerging, | www.propertyandcasualtyinsurancenews.com

Compliance proceedures resulting from overwhelming government regulation of the insurance industry has produced an expense at agency level greater than that of policy acquisition.

Using An Applicant's Credit As A Rating Factor For Insurance

March 24, 2008

Analysis of:New ‘Bermuda Triangle’ Emerging, | www.propertyandcasualtyinsurancenews.com

The rates and availability of insurance policies are issues difficult enough. "Credit scoring"adds to the difficulty.  

Lower Margins + Higher Volume = Closer Fiscal Management

February 28, 2008

Analysis of:MMC Sees 4Q Net Income Drop 62% | www.propertyandcasualtyinsurancenews.com

When competition sets price and  conditions in the securities markets produce losses of principal, the only way to raise the gross margin is by reducing operating.

Desperate times......

February 28, 2008

Analysis of:Could Subprime Mortgage Crisis Turn Desperate Homeowners Into Arsonists? | www.propertyandcasualtyinsurancenews.com

Carriers expect desperate and dishonest acts during hard financial times.

Reinsurers Are Allowing For Their Business Models Also To Become More Flexible And Adaptive

February 11, 2008

Analysis of:New ‘Bermuda Triangle’ Emerging, | www.propertyandcasualtyinsurancenews.com

The Business Models Of Entire Insurance Markets Are Evolving As The Industry Itself Changes With This Current Soft Market.

The Business Models Of Insurance Can Change By The Minute And Those Of Regulatory Bodies Should Be As Flexible.

January 29, 2008

Analysis of:Insurance CEOs, Regulators Face Off | www.propertyandcasualtyinsurancenews.com

Always And Forever, Too Much Regulation Impedes Growth.

Paying Too Much For Insurance? Fifteen Minutes Could Change Your Mind.

January 28, 2008

Analysis of:Insurers Counter CFA Report Blasting Carriers For ‘Overcharging’ | www.propertyandcasualtyinsurancenews.com

Every Business Is Entitled To A Profit. That Level Of Profit Will be Determined By Competition.

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