SOURCE: Wall Street Equity Research

Wall Street Equity Research

August 25, 2010 08:44 ET

Analyst Study on ING Groep and MetLife -- A Quick Overview of the Life Insurance Industry

JOHANNESBURG, SOUTH AFRICA--(Marketwire - August 25, 2010) - brings investors market knowledge on the aspects moving the life insurance stocks, and offers complete analytical research on companies like ING Groep N.V. (NYSE: ING) and MetLife Inc. (NYSE: MET). Register with today to gain full access to our complimentary research on these life insurance stocks.

The Financial-Life Insurance sector is under scrutiny of late due to its questionable use of retained asset accounts. These accounts, which place death beneficiary pay-outs into an interest earning account instead of a lump sum payout, are currently being investigated by New York Attorney General Andrew Cuomo. Insurers claim that these accounts give their consumers time to determine how to use their pay-out and that the money is readily available should the beneficiary choose to withdraw. However, many regulators believe that the procedure hurts consumers who could get a higher return by placing the money into a different account. They also argue that the retained asset accounts are not FDIC insured and inadequately insured by state guarantee funds. If Cuomo decides to put an end to the questionable RAA's the sector could suffer a huge loss in investment capital. is a specialized website where investors can have specific access to complimentary reports on life insurance industry; traders looking for analysis on ING Groep N.V., MetLife Inc. and other players in the industry are welcomed to sign up for free at

This all comes at a time when many companies in the life insurance industry are already facing adversity. With recent downturns in US equity markets, many companies within the sector are seeing declines in profitability. Some companies have seen their individual annuity sales negatively affected by changes to their product offerings, namely reductions in living benefits.

During the ongoing earnings season, ING Groep NV saw its quarterly earnings soar to about $1.43 billion. Investors can register today at to download the full report on ING Groep N.V.

Late July, MetLife Inc. posted profits of $1.53 billion on the back of elevated premium revenue. Investors can access free research on MetLife Inc. now by signing up at

One major hope for the sector lies in the emerging markets of China and India. With only 7% of Chinese health-care costs covered by private health care businesses last year, many foreign insurers are seeking out ways to tap into the approximately CNY 650 billion that Chinese consumers paid out-of-pocket for health care. In India, legislation proposed on July 27th, is being considered to raise the cap on foreign ownership of insurance companies from 26%. This could prove to be a boon for this sector's players poised to enter the Indian market and offset some of the projected short to mid-term strain put on the Indian insurance sector by price regulation of their popular unit-linked insurance products. One company that would surely benefits from this propose legislation is ING Groep. Visit us at to understand the catalysts and forces driving or affecting companies in the life insurance industry.

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