• increase-to-cost-of-insurance
    December 14, 2015

    Insurers That Raise COI Hurt Their Own Profitability

    Imagine that you worked for a large company and the CEO announced that no employees would be fired, but all salaries were to be cut by 50%. The overall level of productivity would decrease at the company as the valued employees would leave and only those without other options would stay.

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  • COI-176x176
    November 19, 2015

    Insurers Misprice Products and American Consumers Pay the Price

    Over the last five months, several insurance companies, including Voya and AXA, have announced increases to cost of insurance rates ("COI") for certain outstanding universal life insurance policies. These increases, some which are in excess of 80%, allegedly were made to address the anticipated future costs for providing the coverage.

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