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Xcel Life Insurance

Issue nonparticipating insurance policies. A private organization, incorporated in order to make stock holders money. Stock Insurance Company
Insured and incorporated under law, but there are no stock holders. The owners are the stockholders, have the right to vote. Mutual Companies - Participating
Mutual companies are referred to as this because policy holders participate in dividends. Can also vote. Participating companies
By issuing participating policies that pay policy dividends, mutual insurers allow their policyholders to share in any company earnings called this. Distributed on an annual basis. Divisible Surplus
When a stock company becomes a mutual company. Mutualization
When a mutual company becomes a stock company. Demutualization
Stock insurance company issues both participating and nonparticipating policies, rare. Using a mixed plan
Created by: cijean
 

 



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