SOURCE: Wall Street Equity Research

Wall Street Equity Research

October 22, 2010 08:43 ET

Professional Research on MetLife Inc. and Lincoln National Corp. -- Life Insurance Providers Push for Rate Increases

JOHANNESBURG, SOUTH AFRICA--(Marketwire - October 22, 2010) - allows shareholders to gain full understanding of the economic and market forces influencing the life insurance industry, and offers free research on industry players MetLife Inc. (NYSE: MET) and Lincoln National Corp. (NYSE: LNC). Register today at to receive free research reports on these companies.

In the past few months several major long-term life insurance providers like MetLife Inc. and Lincoln National Corp. asked state regulators to approve rate increases from 10-40%. Insurance providers are claiming that the request to raise rates stems from policyholders canceling fewer policies, living longer and requiring more expensive care. Shareholders and investors can sign up today at or to download the full reports on MetLife Inc. and Lincoln National Corp. is a specialized website where investors can have complete access to free reports on life insurance industry; traders looking for analyst opinions on MetLife Inc., Lincoln National Corp. and other players in the industry are welcomed to sign up for a free one year membership at

In addition to the aforementioned reasons, insurance providers also claim that low interest rates are yielding smaller returns on their investments. Visit us at to understand the catalysts and forces driving or affecting life insurance stocks.

While the reasons for the price increases seem reasonable, insurance providers face many obstacles in the form of varying state-to-state legislation. Many states have adopted rate-locking laws in the past decade and insurance providers are currently working around them.

Some of the rate increases have passed in certain states but others still await decisions. For policyholders, accepting the rate raises is a double-edged sword. If they pay more money now they'll be more assured that the provider is still in business when they need it. If the rate increases don't pass, they'll save money in the short-term but their provider could face future bankruptcy if their costs continue to rise as they are now.

Until legislation regarding rate increases is finalized, major long-term insurance providers along with the 8 million or so policyholders face a lot of uncertainty.

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