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	<title>New answer on: What Is A Mutual Life Insurance Company?</title>

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		<title>By: David Racich</title>

		<link>https://insurancelibrary.com/life-insurance/what-is-a-mutual-life-insurance-company</link>

		<dc:creator>David Racich</dc:creator>

		<pubDate>Sat, 11 May 2013 14:16:57 +0000</pubDate>

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		<description><![CDATA[Mutual life insurance companies are owned by the company’s policy holders, in contrast to stock life insurance companies, who are owned by their stock holders. Mutual life insurance companies maintain a board of directors that declare an annual dividend to their policy holders. A dividend is a return of unused premium. During the early formation of the US, mutual companies were less expensive to capitalize than stock companies, so there was a proliferation of mutual companies. But in recent times there has been a movement in the industry to demutualize to attract more capital. ]]></description>

		

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		<title>By: Ted Ratliff</title>

		<link>https://insurancelibrary.com/life-insurance/what-is-a-mutual-life-insurance-company</link>

		<dc:creator>Ted Ratliff</dc:creator>

		<pubDate>Sat, 11 May 2013 10:18:08 +0000</pubDate>

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		<description><![CDATA[A mutual company is a company owned by the policyholder rather than stock holders.  A mutual company will pay its excess profits back to the policy holder in the form of dividends.  A stock company pays its dividends to the stock holders.  While mutual companies premiums may be just a little more than a stock company, the cash value, because of dividends, can be far greater and more options are available within the policy.]]></description>

		

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