Study Group: Individual Life & Health Insurance Brokers(?)

1. Profit margins are challenged by market conditions. 2. The marketplace is very competetive. 3. Regulatory power struggles create fewer channels for sales.

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...

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...

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...

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...