Mutual Support

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      <subfield code="a">Mutual Support</subfield>
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      <subfield code="a">Uncommon Conversion -- Common Denominator -- Capital Ideas -- Life and P/C Mutuals Listing  -- A Mutual Mainstay -- Changing Times, Changing Measures -- Mutual Advantage -- League of Its Own -- A Foothold in China</subfield>
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      <subfield code="a">The mutual business model dates back hundreds of yearsand it is still going strong. Today, mutuals make up some 40% of the insurance industry market. But change came for this segment of the insurance industry in the 1990s and early 2000s when companies like Prudential and MetLife converted to stock companies as they sought to diversify beyond insurance and gain greater access to capital. Without access to capital markets mutual insurers must tap into policyholders¿ surplus or take on debt in order to make major investments or grow through acquisition. Through demutualization, companies can raise capital through stock offerings. In the following package, Best¿s Review reports on companies that are choosing to demutualize; stock companies choosing to turn into mutuals and how mainstays of the mutual community are staying innovative and agile.</subfield>
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      <subfield code="a">Mutualidades de seguros</subfield>
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      <subfield code="a">Mercado de seguros</subfield>
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      <subfield code="a">Desmutualización</subfield>
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      <subfield code="t">Best's Review</subfield>
      <subfield code="d">New Jersey : A.M. Best Company, 1976-</subfield>
      <subfield code="x">1527-5914</subfield>
      <subfield code="g">01/09/2017 Volumen 118 Número 5 - septiembre 2017 , p. 41-78</subfield>
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