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For example, for the 1984 year a syndicate would ordinarily declare its result at 31 December 1986. The syndicate's 1984 members would therefore be paid any profit during 1987 (in proportion to their share of the total capacity of the syndicate); conversely, they would have to reimburse the syndicate during 1987 for their share of any 1984 loss.
Life insurance policy dividends are returns on premiums that a policyholder receives from the insurance company when it has surplus earnings. As a general rule, life insurance policy dividends are ...
An example of over-redemption insurance would be if a company is running a promotion in which consumers must collect a certain number of proofs of purchase from a yogurt lid in order to receive a $100 prize. The company may predict a 20% response rate (i.e. 20% of all consumers will participate in the promotion and actively collect the yogurt ...
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For example, Northwestern Mutual expects to pay more than $5 billion in dividends to participating policyowners in 2008. Northwestern Mutual has paid its policyowners more than $65 billion in dividends, since the company was founded 151 years ago. [10] Mass Mutual Financial Group's Web site defines life insurance policy dividends. [11]
The insurance company aims to distribute part of its profit to the with-profits policy holders in the form of a bonus (Commonwealth) or dividend (USA) attached to their policy (see the bonus section). The bonus rate is decided after considering a variety of factors such as the return on the underlying assets, the level of bonuses declared in ...
In per risk, the cedent's insurance policy limits are greater than the reinsurance retention. For example, an insurance company might insure commercial property risks with policy limits up to $10 million, and then buy per risk reinsurance of $5 million in excess of $5 million. In this case a loss of $6 million on that policy will result in the ...
Examples of corporate actions include stock splits, dividends, mergers and acquisitions, rights issues, and spin-offs. [ 1 ] Some corporate actions such as a dividend (for equity securities) or coupon payment (for debt securities) may have a direct financial impact on the shareholders or bondholders; another example is a call (early redemption ...