Insurance Company Stumbles:
Recurring Stumbles, Including Race Based Underwriting & Improperly Denying Claims

Recently Released!!!
Date Published: July 7, 2015
Summary Power Point Deck: 53 Slides
Reference Power Point Deck: 873 Slides

The purpose of this research is to provide readers with an initial understanding of insurance company stumbles and their impact on the financial services industry, various products & services, various markets & distribution channels, and specific financial services firms. This research addresses prominent insurance company stumbles such as the race based underwriting scandal, the non-vanishing premiums scandal, the insurance contingency commissions & bid rigging scandal, & Allstate claims denying advice scandal.

Insurance company stumbles can be grouped into four phases, including:
  • Insurance Industry Stumbles Phase
  • Insider Trading Phase
  • Mutual Funds Industry Stumbles Phase
  • Ponzi Schemes Phase

Insurance company stumbles can be defined to include dozens of stumbles, including:

  • Race Based Underwriting
  • Non-Vanishing Premiums
  • Prudential Financial & Prudential Securities Commission Sharing
  • Products Misrepresentation
  • Fake Policies
  • Discount Drug Cards
  • Predatory Pricing
  • Churning
  • Viatical Scams
  • Improperly Denying Claims
  • Insurance Contingency Commissions & Bid Rigging
  • Martin Frankel
  • Money Laundering
  • Finite Reinsurance
  • Allstate Claims Denying Advice
  • AIG Losses
  • Berkshire Hathaway

This research supports three conclusions for insurance company stumbles, including:

    • The Continuation of Sub-Standard Industry Ethics
    • Hedge Funds, Investment Banks, Retail Banks, & Insurance Companies Continue to be the Most Frequent Repeat Offenders
    • Limited Historical Regulator Enforcement Success with the Emergence of Rock Star Enforcers

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