Some of the newer lines of business, such as life insurance, look promising.
New York Life is in the process of hiring 3, 000 agents, as stock-wary investors have turned back to traditional forms of savings such as life insurance.
Like many other financial product firms, Guardian works through agents and brokers who have their choice of products such as life insurance and annuities to offer customers in addition to a proprietary channel.
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It also highlights the strong needs and demands of even the poorest people in Mexico that are often overlooked and disregarded because we might mistakenly assume a product such as life insurance is only beneficial to the wealthy.
In contrast to products such as whole life insurance, health insurance pays brokers fairly modest commissions--generally 10% or so of the premiums--every month.
Firms such as Sony's life-insurance business and large banks such as Sumitomo Bank and Sanwa Bank, which do not want to loosen their hold on sensitive information about customers, have set up their own telemarketing.
Many view MetLife as primarily a life insurance company selling a variety of products such as variable, universal, whole and term life insurance policies.
The company also peddles financial products such as annuities and life insurance, although these are much smaller parts of the operation.
As the search for yield intensifies, strategists say buyers such as pension funds and life-insurance companies will likely look to other investments, most likely U.S. Treasurys and high-grade European debt.
This is a bedrock argument of the Obamacare foes, and it must tiptoe around some inconvenient facts of daily life such as state car insurance mandates (they are state laws, and states have practically unlimited powers under the Constitution).
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Decisions to avoid making right away are big real-estate transactions -- such as selling a house -- or anything that could have a material effect on savings, such as giving away money from life-insurance benefits.
The former requires you to take on a large mortgage with fixed obligations spanning 15 years or more, pay property taxes and other recurring cash outlays (such as homeowners insurance) for the life of the home, and deal with any maintenance expenses that arise.
Besides selling other types of insurance, such as homeowners and life, companies can gain an edge by the way they are structured.
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True, life insurance has other purposes, such as providing for your dependents.
Fortunately, the money from the life insurance policy helped ease the financial burdens such as maintaining the restaurant, playing the medical bills and funeral expenses.
There is always a huge cohort of Americans sort of naturally seeking to change or upgrade their car insurance because of changes in life circumstances such as landing a job or getting married.
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Meanwhile, the banking commission is less worried by Credit Suisse than by conglomerates with a heavier insurance component, such as Zurich Financial Services and Swiss Life, both of which own Swiss banks.
User fees are charges for items like postage stamps, Medicare premiums, veterans' life insurance policies and electricity rates for power supplied by federal agencies such as the Tennessee Valley Authority.
User fees are charges for items like postage stamps, Medicare premiums, veterans' life insurance policies and electricity rates for power supplied by federal agencies such as the Tennessee Valley Authority (nyse: TVC - news - people ).
The life insurance company utilizes all different methods of providing for the guarantees, such as portfolio insurance, derivatives, futures contracts, options, etc.
But McNamee says he can keep up the growth, by performing more of the life-insurance-application process for companies and by carefully expanding into related lines, such as monitoring clinical trials for drug companies--another opportunity opened up by the Internet, which offers the most efficient way to track and report such events.
"This is taxing the federal courts, as we predicted, " says John Stoia, a member of the panel and attorney who has represented insurance policyholders in more than 40 cases against such companies as Prudential (nyse: PRU - news - people ), New York Life and Transamerica Life Insurance.
Also known as health promoters, peer educators such as Huynh are proving particularly effective at helping newcomers overcome such barriers as lack of insurance, confusion about the U.S. health care system, insufficient information on potentially life-saving cancer screenings and even cultural taboos that make it difficult for some women to acknowledge and seek medical help.
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