All GLG News Analyses Filed Under: Insurance & Risk Management

Great Opportunity to Increase Market Share in Life Insurance - LIMRA Research

June 23, 2008

Analysis by: GLG Expert Contributor

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

Execution Excellence - Did you get your Distribution Model in shape while the "rising tide was high and the market was good" or are you now being "exposed, (and it isn't pretty) now that the tide has receded"? Distribution Segmentation - Do you have a superior, more intelligent producer segmentation model than your competitors or are you right smack dab in "industry-average-ville"?

For most firms, outsourcing back-office functions and increasingly, even their mission-critical business processes to external entities has magnified the challenge of managing business risk.

June 23, 2008

Analysis by: GLG Expert Contributor

Analysis of:Strategic Outsourcing - Just The Job For An Expert | www.timesonline.co.uk

The range of risks in an outsource engagement, with disparate organisations working to distinct, albeit related set of objectives, is wide. Not the least of these is the misplaced notion, that since clients wish to reduce their cost, while suppliers aim to maximize their revenue, it puts both fundamentally at odds with their respective business drivers. Whereas the premise is a fact (two sides of the same coin), its implication does not have to be.

Universal Life's Growth No Surprise

June 19, 2008

Analysis by: GLG Expert Contributor

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

Purchasers with a permanent need for large amounts of life insurance coverage to fund estate liquidity or business succession requirements are turning more and more to the Secondary No Lapse Guaranteed Universal Life product. The traditional guarantees of Whole Life are provided by this product at an annual cost savings of 25-40% depending on age and health of the insured. This product does not pay a dividend; and, depending on the product chosen, does not generate significant cash surrender values. It does exactly what it was designed to do - delivers a guaranteed death benefit in most instances, through age 120.  Individual consumers with large life insurance requirements, in our experience, generally do not care about anything other than the financial strength of the issuing carrier and the viability of the product design, not the cash value. Cash value enhancements are available via policy rider where there is a corporate purchaser and earnings impact concerns.

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

June 9, 2008

Analysis by: GLG Expert Contributor

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 by: GLG Expert Contributor

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. 

Is the current commercial lines soft market a repeat of personal auto in 1998?

May 27, 2008

Analysis by: GLG Expert Contributor

Analysis of:MGAs Need To Prepare For Hard Market Now | www.propertyandcasualtyinsurancenews.com

One observer notes that abundant capital and weak underwriting standards are leading to bad decisions in commercial lines insurance. If so, the current commercial lines soft market has parallels to the personal auto soft market of 1997-2000. Company management must be especially vigilant in this market environment. Investors should look for insurance company management to clearly articulate the business risks and the metrics and procedures in place to manage those risks.

Mark MariottiChief Executive OfficerFuture Management Holdings Inc

CHANGE for the better

May 27, 2008

Analysis of:MGAs Need To Prepare For Hard Market Now | www.propertyandcasualtyinsurancenews.com

MGA's can seek out better lines and Company deals. MGA's can seek out training to meet the changing demands. One very specific area an MGA can capitalize on is TECHNOLOGY.

AIG Financial Products - Captive Investment Bank?

May 20, 2008

Analysis by: GLG Expert Contributor

Analysis of:AIG Posts $7.8B Loss For 1Q | www.propertyandcasualtyinsurancenews.com

Was it really smart to mix insurance, investment banking, investment management and private banking? Which of the following is a success story: AIG, Allianz, AXA, ING, Citi, Fortis or Generali?

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

May 19, 2008

Analysis by: GLG Expert Contributor

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 

AIG will rebound from past losses.

May 15, 2008

Analysis by: GLG Expert Contributor

Analysis of:AIG Posts $7.8B Loss For 1Q | www.propertyandcasualtyinsurancenews.com

AIG has a strong name brand and recognition among its brokers and insureds. AIG is known as an innovator and leader in the insurance world. The employees are dedicated, loyal and very knowledgable.  Although the past two quarters have been poor, mainly due to sub- prime issues, the core underwriting results remain strong.  In the excess/ umbrella market, AIG continues to dominate. They have over three times the written premium compared to their closest competitor.

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