Insurance Stock Solid Like A Rock, Priced Like A Pebble Elite Inside Trader
30.08.11
Shares of life insurance and annuity companies are having a rough year. Many insurers are trading at about half their book value and less than 10 times next year’s earnings. One of the reasons investors have been shunning Life Insurance companies is that these companies are regulated to keep most of their reserve accounts invested in safe asset classes, like US treasuries, which we all know are returning NOTHING in today’s environment. That means fewer profits. Ben Bernanke, a few weeks ago, told us to expect low rates to continue into 2013, not a positive signal that things are going to get better for insurers.
But don’t count out the insurance companies just yet. Insurers have plenty of tricks up their sleeves to gain profits outside of interest rate returns including; higher mortality charges, higher premium expense charges, higher monthly expense charge, and higher individual reserve requirements. While this is good for the strength of the company, it doesn’t bode well for many Universal Life or Variable Universal Life policy holders, who may need to increase their premiums to continue to fund healthy policies. Even Whole Life insurance policy holders may find themselves closer to the guaranteed illustrated numbers, rather than the projected. Regardless of projections made in the past, life insurance companies have to adjust, at the expense of the consumer, to adapt to the current environment. And they have been.
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Buy bCheap Senior/b Citizen bLife Insurance/b
Buy Cheap Senior Citizen Life Insurance
How to Buy Cheap Senior Citizen Life Insurance
Are you a senior citizen looking for the most affordable life insurance?
If so, you may want to consider the following tips when shopping for life insurance.
First, make sure you compare rates and plans for your life insurance from several leading life insurance companies, because prices will vary by company.
Next, consider term life insurance because pricing for term life insurance is usually lower than the cost of permanent life insurance.
Also, consider buying life insurance before your next birthday as rates increase with your next closest age.
We have partnered with Efinancial which is a quick and convenient way for you to shop for and purchase life insurance 24-hours a day from the comfort of your home or office.
Efinancial has built a searching technology designed specifically to find you the best prices on life insurance.
Request Your Free Term Life Insurance Quotes
You complete the questions on our quote request form and in a few seconds our search technology will search through all the top life insurance companies.
Every search is accurate and unbiased, and delivers you an easy to understand comparison of up to 12 of the most affordably priced life insurance policies available to you.
EFinancial monitors over 70 life insurance companies and allows only the best and most competitive insurers onto the Efinancial network. Now you can do all your comparison shopping at one web site without wasting time with several agents or other sites that only quote a few companies.
They also have the most advanced processing system available to help expedite your life insurance request and keep you informed as to the status of your insurance purchase.
After you submit your online application request your request will be assigned to a Customer Service Agents, whose job is to help you complete and expedite your request.
Shares of life insurance and annuity companies are having a rough year. Many insurers are trading at about half their book value and less than 10 times next year’s earnings. One of the reasons investors have been shunning Life Insurance companies is that these companies are regulated to keep most of their reserve accounts invested in safe asset classes, like US treasuries, which we all know are returning NOTHING in today’s environment. That means fewer profits. Ben Bernanke, a few weeks ago, told us to expect low rates to continue into 2013, not a positive signal that things are going to get better for insurers.