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| Subject: insurance company Insurance, in law and economics, is a form of risk management primarily used to hedge against the risk of a contingent loss. Insurance is defined as the equitable transfer of the risk of a loss, from one entity to another, in exchange for a premium, and can be thought of as a guaranteed and known small loss to prevent a large, possibly devastating loss. An insurer is a company selling the insurance; an insured or policyholder is the person or entity buying the insurance. The insurance rate is a factor used to determine the amount to be charged for a certain amount of insurance coverage, called the premium. Risk management, the practice of appraising and controlling risk, has evolved as a discrete field of study and practice. (Wikipedia Jan 2010) Retirement plans By John Schroy, on February 23rd, 2006 |  Leave a comment  Between 1999 and 2002, US private pension funds lost US$ 1.2 trillion in value. It would almost seem that pension fund managers had been speculating with retirement money, attempting to beat each others’ short-term performance statistics, with little interest in safeguarding the assets of plan beneficiaries. Political intrusion and trade unionism have debilitated the pension fund industry over many generations. The end of the pension industry may now be in sight. February 23rd, 2006 | Print Article |  Email Article |  Topics: 401(k) plans, Alan Greenspan, annuities, Arthur Levitt, Benjamin Graham, Bill Clinton, CFA, common stock legend, Corporate Governance, defined benefit pensions, Democratic Party, dividends, Enron, ERISA, Financial Economists Roundtable, Franklin Roosevelt, insurance company, Lyndon Johnson, Myron Scholes, Pension Benefits Guarantee Corporation, pension fund, pension plans, price earnings ratios, Robert B Reich, Robert E Rubin, Ronald H Brown, Sarbanes-Oxley Act, Total Returns, trade unions | Category: US Politics, featured | Leave a comment |  Short urlQ3 2005 By John Schroy, on February 21st, 2006 | Leave a comment  Life insurance companies invest pension and life insurance reserves primarily in bonds, according to Federal Reserve Flow of Funds Table F 117 for Q3 2005. Although favoring agency securities and treasuries in 2002, life insurers quickly returned to their traditional investment behavior of buying mostly corporate bonds. Since 1997, pension funds have become the principal business of life insurance companies, as indicated by the relative size of life insurance and pension funds reserves. February 21st, 2006 | Print Article | Email Article | Topics: Bonds, Inflation, insurance company, mutual funds, pension fund, pension plans | Category: US Bonds | Leave a comment | Short urlUS Bond Market 1995-2004 By John Schroy, on February 18th, 2006 | Leave a comment  Over the decade, 1995-2004, the demand for US bonds of all types has surpassed new bond issues in eight of the last ten years. This is the reason that bond prices have held firm, even in 2003, when net new issues reached almost $1.8 trillion. In most years, buyers had to go to the secondary market to get all the bonds they wanted. On the demand side, steady buying pressure, accounting for about two-thirds of the market, has come from foreign investors, insurance companies, federal, state, and local governments, and banks and savings institutions — each acting for difference reasons. February 18th, 2006 | Print Article | Email Article | Topics: Bonds, China, Fannie Mae, insurance company, municipal bonds, mutual funds, US Treasury | Category: US Bonds | Leave a comment | Short urlFeatured articles on inside pages
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