The fact that one person (much less 1 million people) buy a particular life insurance plan from a particular company is not exactly a reason to go out and do the same but it's interesting to at least take a look at market share. Let's get a snapshot of the U.S. life insurance market by company share and see if we can gleam any information that helps us make a better decision. First, we'll list out the top 10 carriers. Keep in mind that life insurance can come in many forms from whole life to term life and everything in between. Most of the data on market share is a measurement of premium amount and whole life by definition is going to make up a big part of that since it's so much more expensive than term life. Now for the drum roll of the top 10. This data is from 2007 and needless to say, things have changed a bit. 1. AIG (American International Group). This isn't exactly a ringing endorsement that bigger is better. In 2007, AIG had 18% of the market share with almost .. more »

body { border-style: none; background: Window; color: WindowText; } #ljcutbegin { width: 100%; height: 1px; border: 1px dashed black; } #ljcutend { width: 100%; height: 1px; border: 1px dashed gray; } blockquote { border-left: 3px solid silver; padding-left: 10px; margin-left: 10px; } .bjspell { border-bottom: 1px dotted red; } }For many people, an Aetna life insurance policy will be right for them, as this type of insurance can be for many different individuals, as well as groups of people, wanting a particular policy which has special policies for their organization, and who want to provide life insurance to many different individuals within their workforce.  However, before you look to take out a life insurance policy, be sure that you actually need it and that it will do you more good than harm. You should remember that even though such policies are named ‘life insurance’, all of the companies that offer these policies usually do not pay out until you have passed away.Who Needs Aetna?If you are self-employed or own/run a business then you should consider a life insurance policy – whether from Aetna life insurance or another life insurance company .. more »

Copyright (c) 2008 Bill Broich Want to sell your annuity or structured settlement? Here are some common mistakes to avoid. 1) Only talking to one funding company. People considering selling their annuity or structured settlement are usually in a quick need of a cash lump sum. Whether they need the money to cover medical bills, make home mortgage payments, buy a new car, send a kid to college, whatever it may be. You generally need money and you need it fast. In a hurry, a person will usually call a number they find in a TV commercial or internet search and agree to the first annuity or structured settlement buy-out offer they receive. This is often a mistake. Funding companies are vicious competitors and by obtaining multiple bids from multiple companies you will earn a far better rate. The first offer will often not be the best offer. So, practice patience when evaluating offers. Get multiple bids. Shop around. Make them compete to win your business, and do not rush into the first offer you receive. 2) Not keeping the transaction all business One trick any good salesman employs .. more »

Often, owners of structured settlements are faced with a liquidity crisis that necessitates the sale of a part of the structured settlement. The reasons for selling a structured settlement can include an emergency medical expense and business opportunities. Structured settlements are sold to buyers directly by the seller or through a broker. Buyers of structured settlements usually have a number of alternatives to offer to sellers so that they can choose the best possible option for selling either a part of or their entire settlement. It is possible to sell a few years' worth of structured settlements and at the same time enjoy the benefits of regular payments through the remaining structured settlements. It is in the interest of the seller to take the advice of a financial advisor and a lawyer who can guide him regarding the various legal requirements and tax requirements that often vary from state to state. Apart from state laws there are federal regulations too that govern the sale of structured settlements. Certain insurance companies do not pay the annuities to anyone except the original beneficiary. The buyers are bound by law .. more »