Cost Insurance Life Long Term - Life Insurance

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Horace Mann Reports Results for First Quarter MarketWatch (press release)

28.04.10

Today reported net income of $22.6 million (55 cents per share) for the three months ended March 31, 2010, compared to net income of $13.4 million (33 cents per share) for the same period in 2009. Included in net income were net realized gains on securities of $4.9 million ($3.1 million after tax, or 7 cents per share) for the three months ended March 31, 2010. In the first quarter of 2009, net income included net realized investment losses of $0.8 million ($0.6 million after tax, or 2 cents per share). All per-share amounts are stated on a diluted basis.

"With the continuing stabilization of the financial markets in the first quarter, our net unrealized investment gain position continued to improve, with reported book value per share of $19.84 increasing 75 percent over the last twelve months," said Louis G. Lower, President and Chief Executive Officer. "And, as we begin another year, our underlying profit fundamentals remain strong. Net income before realized investment gains and losses was 48 cents per share for the first quarter compared to 35 cents a year ago, with the prior year quarter including a charge of approximately 8 cents per share related to our property and casualty claims office consolidation and marketing transition initiatives. Within the current quarter results, strong earnings from our annuity and life segments more than offset a decrease in property and casualty earnings," continued Lower. "Catastrophe losses were higher this year, as were sinkhole claims in Florida. The current accident year combined ratio excluding catastrophes was approximately 95 percent in the current quarter, which was about 1 percentage point higher than the prior year, primarily reflecting the loss ratio increase. Combined annuity and life segment net income increased significantly in the first quarter compared to prior year, primarily due to the positive impact of financial market performance, growth in investment income and a notable improvement in the interest margin."

Source:

Democratic Myths and Political Reality

colestjohn

The Democratic Party will be the first to tell you that it’s the Party of the people, especially working people and the middle class. Change we’re supposed to believe in is change from a society moving in the direction of the wealthy, to one that is clearly moving in a direction to restore the American Dream for all. Well, we’re coming to a critical test of the propositions that the Democrats represent working people and the middle class, and that the Party is capable of delivering change we can believe in. That test is its actions, and not its words, on health care reform. There are various bills on the table in the sense that they have been introduced in Congress. They can be divided into four categories. There are expensive bills that give many concessions to the insurance industry, expand the number of people covered, but do nothing to cut rising costs and profits, or to protect people from bankruptcy and foreclosures due to out of control medical bills. There are other bills that include a public health care option that retain the present role of the insurance companies, but provide a voluntary public plan similar to Medicare to compete with them. There are still others that claim to offer a public option, but that structure it in such a way that it could not compete very successfully with private insurance companies, and would not have much effect on health-related cost increases. There is even one lone bill based on a single payer plan idea introduced by Sen. Bernie Sanders (I - Vermont), that provides for a health insurance plan that would severely curtail the activities of the health insurance industry in providing basic care by funding health care with tax revenue, providing payments to medical practitioners and private organizations that actually perform services, and setting prices to hold down cost increases. (more…)

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www.GordonMarketing.com Dawn Boyer, MBA, LUTCF discusses low cost, instant issue term life insurance. Gordon Marketing is a FMO Insurance ...

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