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A.M. Best Report - Life & Annuity Company update

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Visit: http://www.InsurancePricedRight.com A.M. Best Special Report: Life/Annuity Companies Adjust to Volatile Markets OLDWICK, N.J.--(BUSINESS WIRE)-- Publicly traded life and annuity companies are feeling wide ranging impacts from volatile equity, fixed-income and housing markets, affecting not only financial statements but business strategies. Executive teams are rethinking investment allocations and evaluating impairments while retooling their product portfolios and operating plans. Most publicly traded life and annuity companies recognized net realized and unrealized losses in 2008 and through first quarter 2009. Net investment income generally has declined, reflecting weakness in institutional spread based business and decreasing short-term interest rates. The slide in equity markets through first quarter 2009 has cut sales, fee-based revenues and assets under management. Credit spreads have narrowed and assets under management have inched upward as markets hint at the possibili...

Ten Questions to ask your Insurance Agent BEFORE you buy Health Insurance !

Do you ever wonder if you are making the right decisions about health Insurance ? Here are some things to consider: If you are a business owner, self-employed or an employee of a company that is not offering medical coverage though your employer, you may have to undertake the frustrating, daunting and time consuming task of purchasing health insurance on your own. If this is the case, there are certain things that you can do become an informed consumer so you can ensure that you are purchasing the type of health insurance coverage you really need at a price you can afford. When you purchase a health insurance plan, it is important that you balance four important variables : wants, needs, risk and cost , before you spend your money. Although you may "want" a health plan that offers you 100% coverage and a $5 Copay for prescription medications, you may not "need" this type of health plan if you are healthy, take no medications and do not have any significant heal...