.
Mutual insurer
Reinsurer
Reciprocal insurer
Participating insurer
Charities
Political organizations
Insurance sales calls
Surveys
Alien insurer
Mutual insurer
Reinsurer
Stock insurer
Nonparticipating life insurance policy
Participating life insurance policy
Divisible surplus life insurance policy
Straight life insurance policy
Assist in the underwriting of insurance policies
Protect insurers from an applicant's misrepresentation
Protect consumers with guidelines regarding credit reporting and distribution
Assist an insurer n determining an applicant's creditworthiness
Because insurance premiums are tax-deductible
Because dividends are already subject to capital gains
Because dividends are payable directly to the policyholder
Because dividends are considered to be a return of premium
Securities and Exchange Commission (SEC)
National Association of Claims Adjusters (NACA)
National Association of Insurance Commissioners (NAIC)
State insurance departments
A self-derived plan
A multiple-employer plan
A blanket plan
A self-funded plan
$1,000
$3,000
$5,000
$7,000
Incorporated
Without capial stock
Exist For profit
Exist for the benefit of its members
A rating from a rating service company, such as A.M. Best
An illustration
A sales presentation
Direct mailing fro an agency
Domestic
Mutual
Stock
In-house
Determine which insurer offers the best rates
Determine which insurer offers the best policies
Determine financial strength of an insurance company
Determine which agent to use locally
Provide death benefits
Provide money for retirement
Provide living benefits
Provide money for college
Investment values
Liquidity
Assets
Capital
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