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April 14, 2008
With Hurricane Season Approaching, Have Insurers Been Charging Enough?
Analysis of: Active hurricane season predicted | www.businessinsurance.com
Author: GLG Expert Contributor
This Storm Season Will Identify Those Carriers Who Have Managed Growth And This Soft-Market With Discipline.
April 7, 2008
Simply trust insurance companies like you trust the other companies you exchange money for services with
Analysis of: US property insurance 2008 rates seen flat to soft | www.reuters.com
Author: GLG Expert Contributor
What is a business or homeowner's biggest fear?  One of them is the fear that something will happen and the insurance company will not be able to pay their claim.  This is simply a false fear in this day and age. Simply stated, insurance companies are running a business and they understand...
April 4, 2008
The housing & mortgage issues coupled with gas & food prices will have a domino effect
Analysis of: Overdue Consumer Debts Highest Since 1992, ABA Says | www.bloomberg.com
Author: GLG Expert Contributor
The housing market decline coupled with the mortgage crisis and bad loans has caused many people to go into debt. Many people got loans that were "too good to be true", because they were.  Other people wanted to turn a profit on a property and due to the housing problems, that didn't...
March 31, 2008
Florida Property Insurance Poll: No More Quick Fixes
Analysis of: Florida Property Insurance Poll: No More Quick Fixes | www.insurancenewsnet.com
Author: GLG Expert Contributor
Government band-aids can only cover injuries that a true free market can heal.
March 26, 2008
The ore is hot. ..now strike.
Analysis of: US property insurance 2008 rates seen flat to soft | www.reuters.com
Author: GLG Expert Contributor
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.
March 24, 2008
More regulation of insurance.
Analysis of: New ‘Bermuda Triangle’ Emerging, | www.propertyandcasualtyinsurancenews.com
Author: GLG Expert Contributor
Compliance proceedures resulting from overwhelming government regulation of the insurance industry has produced an expense at agency level greater than that of policy acquisition.
March 24, 2008
Using An Applicant's Credit As A Rating Factor For Insurance
Analysis of: New ‘Bermuda Triangle’ Emerging, | www.propertyandcasualtyinsurancenews.com
Author: GLG Expert Contributor
The rates and availability of insurance policies are issues difficult enough. "Credit scoring"adds to the difficulty.  
March 7, 2008
Things get difficult when you lose 90% of your investments
Analysis of: MMC Sees 4Q Net Income Drop 62% | www.propertyandcasualtyinsurancenews.com
Author: GLG Expert Contributor
Any company will have difficulty if they lose 90% of their investment portfolio.  I understand that it is difficult to see positive returns right now, however, companies in the insurance business that depend on their investments, as well as other things, to pay claims, should be invesiting in long...
February 29, 2008
21st Century media exposure + dishonest people + the mortgage crisis could = more fraud
Analysis of: Could Subprime Mortgage Crisis Turn Desperate Homeowners Into Arsonists? | www.propertyandcasualtyinsurancenews.com
Author: GLG Expert Contributor
Most people are never going to burn their homes down to collect insurance money.  That said, there will always be a contingent of people in the world that are willing and able to resort to fraud to better their position financially. With the advent of the internet and the ability for someone...
February 28, 2008
Lower Margins + Higher Volume = Closer Fiscal Management
Analysis of: MMC Sees 4Q Net Income Drop 62% | www.propertyandcasualtyinsurancenews.com
Author: GLG Expert Contributor
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.

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