Online Car Insurance – What You Should Know About Online Car Insurance

Q: Is it a good idea to look for online car insurance?

A: Online car insurance can help you to find the best deals as you can search information quickly. In many instances you can compare rates and quotes side by side to see who is offering the best deal on coverage. You can also read the information that is part of the guidelines for any insurance policy. This is important to do and you can do so without feeling pressured to move forward with the purchase.

Online auto insurance is also very convenient as you can shop for it 24/7. You can not walk into an insurance company at 7 pm, on a Sunday night to find out what they offer. You may be able to call their customer support but chances are you will be on hold for a while. Then it looks to take them forever to go through their sales pitch before you can give them the information to offer quote.

Compare the rates you get on the Internet can allow you to make the very best decision as to which company to go with. You can also look for more information than just the prices. You can compare customer service, the types of coverage offered, and even find out what you are required to have by law just by entering your zip code. Online car insurance is very fast and convenient when it comes to helping get a great deal.

We strongly encourage you to obtain some online auto insurance quotes from several different companies. It is fast, easy, and you might be shocked at just how much money you could be saving on your coverage.

How to Get Affordable Car Insurance in Ohio

People who live in the state of Ohio may be in for a surprise when they open their mailbox. In this state the Bureau of Motor Vehicles sends out 280,000 requests a year to see proof of insurance. Once someone receives one of these notices in the mail they only have three weeks to prove they have insurance. Although it's obviously mandatory to have car insurance, some people forego it because of the price. There are ways to find affordable car insurance and some are not things most people are aware of including:

o Using one insurance company for all your policies including car, home, health and life. Insurance companies give discounts to individuals who purchase more than one type of insurance from them. Ask your health insurance or life insurance agent about a quote for car insurance.

o Buying a car that costs less to insure. Most people never consider the insurance costs that are associated with a particular type of car before they buy it. Call multiple insurance agents and ask for quotes on a car you are considering buying. You may be surprised to learn exactly how expensive it is, and if you find this out before you finalize the sale, you can save yourself a lot of money.

o Mention that you have a car alarm or consider getting one. A car alarm is a great idea for many reasons including the reduction you are likely to experience in insurance costs. Any effort that you make to keep your car safer is viewed in a good light by the insurance company. You'll have to be prepared to show proof that the car alarm system is indeed installed.

The most important factor in determining your car insurance rates is likely your driving record. If you have been in more than one accident in the last few years or you have a pile of speeding tickets with your name on them, you are obviously going to have a more difficult time getting an affordable rate. If this is the case, make a decision to start driving safe now and you'll see your rates steadily drop.

The Benefits of Using a Second Mortgage

A second mortgage is a secondary loan secured against a property. If this loan goes into default, the initial loan must get paid off first. These loans are taken for a variety of reasons and are commonly used as a source of emergency funding.

A mortgage can either be taken out as an installment loan or a revolving line of credit. In all types of home loans, the homeowner puts up equity in the property as collateral. For an installment loan, the loan must be repaid in fixed amounts over a fixed period of time. A line of credit on a home is similar to a credit card, but it is secured by the equity in the home. Home equity is typically the main factor for financing approval but in many cases, a high credit score improves your chances of being approved. This kind of loan is worth considering if one needs to borrow a large sum of money at a low rate.

How to qualify for a second mortgage

Lenders have different methods of assessing loan applications but it basically involves analyzing the homeowner’s equity, job history and credit score. Lenders must see that the applicant has ample credit score as well as sufficient equity in order to approve a loan. If a client’s credit score is below the banks’ requirements, they can only get the assistance of private lenders who prioritize home equity more than one’s credit score. Private mortgage lenders will divide the value of a property with its debts to get a metric known as LTV. The result should be 85% or less to get a mortgage as the lenders are sensitive to low equity amounts. Lenders have a high chance to lose their investment on high LTV mortgages if the loan goes into default. While equity is important to private lenders, some also consider job history.

Uses of a second mortgage

There are no restrictions to what you can do with the money so mortgages are preferred by customers to handle various financial obligations. People have several ways of spending the money but mainly:

• Paying off Debts: You might have a number of high-interest loans bogging you down each month. Instead of trying to keep up and risking penalties, you can get a new mortgage to pay off multiple loans and pay lower monthly rates.

• To keep up with debt payments: The second mortgage allows homeowners to avoid defaulting on their other loans. The money can also be used to bring an existing mortgage back into good standing if the homeowner has defaulted on their first mortgage.

• For home improvements and repair: A property secured loan can be helpful if you need to repair or make home improvements. Repairs and renovations ultimately increase the value of a property and allow you to sell it at a better price than similar properties. Extra equity gained from strategic home repairs could also qualify you for affordable loans in future.

Second mortgages are a good low-interest way to gather money

In summary, a second mortgage is a flexible financial tool and can be tailored to address a person’s unique needs. It makes sense to have a single secured loan at low interest other than multiple credit cards with high monthly interest rates. To gather emergency funding, you can get the cash needed. Unlike credit cards, mortgages are an ideal low-interest way of getting money for university tuition, remodeling a home, paying emergency medical bills or funding a business. These types of loans may come at slightly higher interest rates compared to first mortgage but they are certainly cheaper than credit cards and unsecured loans.

Brokers Offer Predictions for The Travelers Companies, Inc.’s FY2017 Earnings (NYSE:TRV)

The Travelers Companies, Inc. (NYSE:TRV) – Equities researchers at B. Riley issued their FY2017 earnings per share estimates for The Travelers Companies in a research report issued on Monday, according to Zacks Investment Research. B. Riley analyst R. Binner anticipates that the insurance provider will earn $7.25 per share for the year. B. Riley has a “Neutral” rating on the stock. B. Riley also issued estimates for The Travelers Companies’ FY2018 earnings at $9.50 EPS and FY2019 earnings at $9.90 EPS.

The Travelers Companies (NYSE:TRV) last posted its quarterly earnings results on Thursday, October 19th. The insurance provider reported $0.91 earnings per share for the quarter, missing the Thomson Reuters’ consensus estimate of $2.10 by ($1.19). The company had revenue of $6.66 billion for the quarter, compared to analyst estimates of $6.46 billion. The Travelers Companies had a return on equity of 9.87% and a net margin of 8.56%. The firm’s revenue for the quarter was up 4.2% compared to the same quarter last year. During the same period last year, the firm earned $2.40 EPS. COPYRIGHT VIOLATION NOTICE: “Brokers Offer Predictions for The Travelers Companies, Inc.’s FY2017 Earnings (NYSE:TRV)” was posted by The Ledger Gazette and is owned by of The Ledger Gazette. If you are reading this article on another website, it was illegally copied and republished in violation of international trademark and copyright laws. The original version of this article can be read at https://ledgergazette.com/2017/11/17/equities-analysts-offer-predictions-for-the-travelers-companies-inc-s-fy2017-earnings-trv.html.

Several other brokerages also recently commented on TRV. Citigroup Inc. reiterated a “buy” rating and set a $148.00 target price (down from $150.00) on shares of The Travelers Companies in a research note on Monday, July 24th. BidaskClub downgraded The Travelers Companies from a “hold” rating to a “sell” rating in a research note on Monday, July 24th. MKM Partners restated a “neutral” rating and issued a $130.00 price target (up from $115.00) on shares of The Travelers Companies in a research note on Wednesday, July 26th. Barclays PLC boosted their price target on The Travelers Companies from $119.00 to $122.00 and gave the company an “equal weight” rating in a research note on Friday, August 11th. Finally, Royal Bank Of Canada restated a “buy” rating and issued a $135.00 price target on shares of The Travelers Companies in a research note on Monday, August 21st. Five research analysts have rated the stock with a sell rating, nine have assigned a hold rating and nine have given a buy rating to the stock. The Travelers Companies presently has an average rating of “Hold” and an average target price of $128.54.

The Travelers Companies (NYSE TRV) traded down $2.90 during trading hours on Wednesday, hitting $130.81. The company’s stock had a trading volume of 2,375,700 shares, compared to its average volume of 1,493,896. The firm has a market cap of $36,595.88, a price-to-earnings ratio of 16.33, a price-to-earnings-growth ratio of 2.54 and a beta of 1.26. The Travelers Companies has a 52-week low of $110.40 and a 52-week high of $135.71. The company has a debt-to-equity ratio of 0.29, a current ratio of 0.41 and a quick ratio of 0.41.

Institutional investors have recently made changes to their positions in the stock. CWM LLC boosted its position in shares of The Travelers Companies by 4.9% during the 2nd quarter. CWM LLC now owns 794 shares of the insurance provider’s stock valued at $100,000 after purchasing an additional 37 shares in the last quarter. Westside Investment Management Inc. boosted its holdings in The Travelers Companies by 361.1% in the first quarter. Westside Investment Management Inc. now owns 876 shares of the insurance provider’s stock worth $106,000 after acquiring an additional 686 shares in the last quarter. Fieldpoint Private Securities LLC bought a new position in The Travelers Companies in the third quarter worth approximately $106,000. Valeo Financial Advisors LLC bought a new position in The Travelers Companies in the third quarter worth approximately $108,000. Finally, Tradewinds Capital Management LLC boosted its holdings in The Travelers Companies by 1.1% in the second quarter. Tradewinds Capital Management LLC now owns 905 shares of the insurance provider’s stock worth $115,000 after acquiring an additional 10 shares in the last quarter. Institutional investors own 77.63% of the company’s stock.

In other The Travelers Companies news, EVP Andy F. Bessette sold 2,000 shares of the company’s stock in a transaction dated Tuesday, November 14th. The stock was sold at an average price of $132.98, for a total value of $265,960.00. Following the sale, the executive vice president now owns 8,000 shares in the company, valued at approximately $1,063,840. The transaction was disclosed in a filing with the Securities & Exchange Commission, which is available at this link. Insiders own 0.82% of the company’s stock.

The business also recently declared a quarterly dividend, which will be paid on Friday, December 29th. Shareholders of record on Monday, December 11th will be given a $0.72 dividend. The ex-dividend date is Friday, December 8th. This represents a $2.88 dividend on an annualized basis and a dividend yield of 2.20%. The Travelers Companies’s dividend payout ratio (DPR) is presently 33.45%.

The Travelers Companies declared that its Board of Directors has initiated a stock repurchase program on Monday, September 11th that permits the company to repurchase outstanding shares. This repurchase authorization permits the insurance provider to buy shares of its stock through open market purchases. Stock repurchase programs are usually an indication that the company’s board believes its shares are undervalued.

About The Travelers Companies

The Travelers Companies, Inc is a holding company. The Company’s segments include Business and International Insurance; Bond & Specialty Insurance, and Personal Insurance. Through its subsidiaries, it provides commercial and personal property and casualty insurance products and services. The Business and International Insurance segment offers property and casualty insurance and insurance related services to its clients, in the United States and in Canada, as well as in the United Kingdom, the Republic of Ireland, Brazil and throughout other parts of the world.

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Earnings History and Estimates for The Travelers Companies (NYSE:TRV)

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Life Insurance 101, An Explanation of Various Types of Life Insurance

TERM LIFE INSURANCE – Life insurance for a set number or years. You can choose from 5 to 30 year terms. No cash value, if you die during the term you collect the death benefit. The policy dies after the selected term has ended and you receive nothing unless you have a, return of premium rider or you convert the policy to some form of permanent insurance.

RETURN OF PREMIUM TERM INSURANCE (ROP) – A term insurance policy that returns all or a portion of premiums paid at the end of the term if the death benefit has not been paid.

SIMPLIFIED TERM INSURANCE – Term insurance which uses a simple application. Underwriting is done electronically. No underwriting requirements by the applicant unless red flags arise out of the electronic underwriting process. Policy is usually issued much quicker than regular term. There is a limit of death benefit for this type of policy ($350,000 or less) depending on the insurance carrier. This type of policy is generally more expensive because of additional risk by the insurance carrier. Less underwriting =more risk.

CRITICAL ILLNESS INSURANCE – Applied for as a stand-alone policy or as a rider to another life insurance policy. Pay immediate benefit for a covered illness even if death does not occur.

ACCIDENTAL DEATH INSURANCE – Pays benefit in event of a covered sudden accidental death. Applied for as a stand-alone policy or as a rider to another form of life insurance.

MORTGAGE PROTECTION INSURANCE OR DECREASING TERM INSURANCE – Term insurance that pays the balance of your mortgage should death occur. The amount of death benefit decreases to match the amount owed on mortgage. The insurance is set up to end at the same time your mortgage is set to end.

UNIVERSAL LIFE INSURANCE (non variable) – Flexible premiums. Can be a permanent insurance as long as premiums are paid and policy is funded properly. Investment policy in which risk lies with insurance company.

Has a minimum guaranteed interest rate which differs by company. This policy has the ability to gain contract value. The death benefit can be set to level (death benefit stays the same throughout) or increasing (death benefit increases as contract value rises). You may obtain loans or make withdraws but you must be careful, if the policy is not funded, it will collapse.

VARIABLE UNIVERSAL LIFE INSURANCE – Agent must have securities license to sell. Very similar to non-variable universal life. The difference is that the policy owner assumes investment risk. There is no guaranteed interest rate. Policy can collapse if investment does not do well and policy is not funded properly.

WHOLE LIFE INSURANCE – Simply put, you pay the premium and the policy will last your whole life. You usually have an option to borrow against the policy, amount depends on the value of the policy. This type of policy is usually much more expensive than the universal life policy.

GRADED BENEFITS WHOLE LIFE – Partial or no benefits paid until a named or tiered waiting period has passed. If you die before the waiting period has passed, you usually will receive the return of your premium payments with some sort of interest.

FINAL EXPENSE WHOLE LIFE INSURANCE – This type of whole life insurance is aimed at burial and funeral expenses and other final expenses. Usually, no medical exam required and death benefit is limited to $50,000 or less.

SINGLE PREMIUM WHOLE LIFE – This whole life policy is paid for by a single lump sum payment. In return the beneficiary receives a larger death benefit than the payment.

THINGS TO CONSIDER: You may be interested in mixing and matching different types of policies. For example; There is a need for 500k immediately. As time goes on, the kids have graduated college and are out of the house, the house is almost or totally paid off. Now the need is less. In this example you may want to purchase a 330k universal life and a 20 year 200k term. This plan will save you money and still protect your family for life.

Or, you may want to mix term, critical illness, accident, universal life, or whole life in various ways depending on your needs.

RIDERS:

Waiver of Premium Rider – pays life insurance premium if you become disabled and can’t work. There is usually a waiting period and rider usually expires at age 60 or 65.

Critical Illness Rider – Rider is explained above.

Return of Premium Rider – Rider is explained above.

Guaranteed Insurability Rider – this rider allows you to purchase an additional amount of life insurance at a later date without having to prove insurability again or take another medical exam.

Term Conversion Rider – allows you to convert a term insurance policy into a permanent policy without proving insurability again.

Accelerated Benefit Rider – this rider is only for permanent life insurance policies. This rider is usually included automatically for free. It allows you to collect a portion of your policy’s death benefit if you become terminally ill with a short life expectancy, usually one year. The portion paid out is subtracted from you policy’s death benefit.

Accidental Death Benefit Rider – This rider pays in addition to the death benefit if you die from an accident.

Child protection Rider – Usually used to pay final expenses if the unthinkable happens. Often, at a nominal cost and purchased in units of $1,000.

UNDERWRITING: requirements depend on insurance carrier, type of policy, amount of death benefit, age, build chart, gender, medical history, medications, family history, motor vehicle report, and other factors.

An application is always required, although, non-medical policies usually have a simple application.

Requirements could be: Paramed (certified medical processor or nurse comes to your place of choosing, takes you through a medical questionnaire, measures your height and weight, takes blood and urine sample, possibly EKG either resting or non-resting), Medical information from your physician or hospital, Medical exam, etc.

HEALTH CLASSES – Typical health classes would be, Preferred Best, Preferred, Select Standard, Standard, and then different nicotine classes such as, preferred nicotine, select nicotine, and standard nicotine.

It is possible to be rated less than standard depending on health and underwriting factors.

You must qualify for a health class. This is chosen by the underwriter after the underwriting process is complete. The agent can only quote you the different health classes but this can change with the underwriting process.

Points To Consider With Cheap Auto Insurance

The word "cheap" means different things to different people, so the first thing you will want to do is to define what "cheap" means in your vocabulary. If it means that you want the bottom line lowest of the low prices to get cheap auto insurance, and the only thing you are concerned about is what the policy costs, then this may not be for you. But if you are looking for the best value to get the most bang for the bucks, then there are multiple places, online and offline, where you can find cheap auto insurance.

You need to understand that not all auto insurance policices are done the same way. The standard policy from one insurance carrier is significantly different than the standard policy from another insurance provider. You also need to know that whatever you get, everything comes at a cost, and sometimes if you do not pay that cost up front, you will pay it later, and there is no getting around that.

For example, the reason you are carrying cheap auto insurance is because you need the coverage, either for peace of mind or to comply with your state laws, but what happens when you get into an accident? If you have a good policy, then things are taken care of with minimal effort on your part. However, with some of the cheap auto insurance policies that are available out there, getting the insurance company to pay on a claim is going to take significant time and effort on your part. If you value your time at all, sometimes think about it and attach an hourly rate to it, you will realize that after factoring in the personal time you had to spend on getting them to cover a claim, you have not saved any money at all . In fact, you paid MORE for it!

Auto insurance policy coverage is not an exact science. First of all, you have the deductible, and the amount of the deductible could be different for the various kinds of coverage. For example, you may have it set up for $ 500 deductible on collision, but a $ 1500 deductible on comprehension or fire. The deductible amount has a drastic impact on the rate that you pay, and is the amount that you will pay out of your own pocket before the insurance company pays anything. To give an example, let's say you have $ 500 deductible on collision and you get into a minor fender bender, but the estimate to repair only comes to $ 400. The insurance company will not pay anything on that, since it is less than your deductible, and in fact, that is a case where you probably do not even want to tell your insurance company about it.

There are also differences in liability. For example, if you get into an accident where the other person sustains various severe flaws. It is not unusual these days for hospital costs to go well into six figures or more. If the ceiling on your liability insurance is only $ 200,000 you could be in deep sneakers in a case like this, so be sure to check out liability limitations as well.

Shopping for cheap auto insurance is not wrong, that is a sign of a frugal shopper and is a good trait. But you need to understand what the tradeoffs are. If you are going to have insurance at all, you obviously do not want to pay more than you need to, but make sure you are getting the coverage that you think you are getting.

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The Travelers Companies, Inc. (TRV) Shares Bought by Conning Inc.

Conning Inc. increased its stake in shares of The Travelers Companies, Inc. (NYSE:TRV) by 2.2% during the third quarter, according to the company in its most recent filing with the SEC. The fund owned 238,906 shares of the insurance provider’s stock after acquiring an additional 5,189 shares during the period. Conning Inc. owned 0.09% of The Travelers Companies worth $29,271,000 as of its most recent filing with the SEC.

Several other hedge funds and other institutional investors also recently modified their holdings of the company. Tradewinds Capital Management LLC increased its holdings in shares of The Travelers Companies by 1.1% during the 2nd quarter. Tradewinds Capital Management LLC now owns 905 shares of the insurance provider’s stock valued at $115,000 after acquiring an additional 10 shares during the last quarter. Community Bank N.A. increased its holdings in shares of The Travelers Companies by 0.7% during the 2nd quarter. Community Bank N.A. now owns 1,435 shares of the insurance provider’s stock valued at $181,000 after acquiring an additional 10 shares during the last quarter. First Business Financial Services Inc. increased its holdings in shares of The Travelers Companies by 0.5% during the 2nd quarter. First Business Financial Services Inc. now owns 4,362 shares of the insurance provider’s stock valued at $552,000 after acquiring an additional 20 shares during the last quarter. Northern Oak Wealth Management Inc. increased its holdings in shares of The Travelers Companies by 0.5% during the 1st quarter. Northern Oak Wealth Management Inc. now owns 4,873 shares of the insurance provider’s stock valued at $587,000 after acquiring an additional 23 shares during the last quarter. Finally, Lee Danner & Bass Inc. boosted its stake in The Travelers Companies by 0.4% during the 2nd quarter. Lee Danner & Bass Inc. now owns 6,574 shares of the insurance provider’s stock valued at $832,000 after purchasing an additional 24 shares during the period. 77.63% of the stock is currently owned by institutional investors and hedge funds.

COPYRIGHT VIOLATION WARNING: This news story was originally posted by TrueBlueTribune and is the sole property of of TrueBlueTribune. If you are reading this news story on another domain, it was illegally stolen and republished in violation of U.S. & international copyright legislation. The original version of this news story can be read at https://www.truebluetribune.com/2017/11/17/conning-inc-has-29-27-million-position-in-the-travelers-companies-inc-trv.html.

Shares of The Travelers Companies, Inc. (TRV) opened at $130.81 on Friday. The company has a market capitalization of $35,800.00, a price-to-earnings ratio of 16.34, a PEG ratio of 2.52 and a beta of 1.26. The Travelers Companies, Inc. has a 52 week low of $110.40 and a 52 week high of $135.71. The company has a debt-to-equity ratio of 0.29, a current ratio of 0.41 and a quick ratio of 0.41.

The Travelers Companies (NYSE:TRV) last posted its quarterly earnings results on Thursday, October 19th. The insurance provider reported $0.91 earnings per share (EPS) for the quarter, missing the Thomson Reuters’ consensus estimate of $2.10 by ($1.19). The Travelers Companies had a return on equity of 9.87% and a net margin of 8.56%. The company had revenue of $6.66 billion during the quarter, compared to the consensus estimate of $6.46 billion. During the same quarter in the prior year, the business earned $2.40 earnings per share. The firm’s revenue for the quarter was up 4.2% on a year-over-year basis. sell-side analysts predict that The Travelers Companies, Inc. will post 7.09 earnings per share for the current fiscal year.

The business also recently declared a quarterly dividend, which will be paid on Friday, December 29th. Stockholders of record on Monday, December 11th will be given a $0.72 dividend. The ex-dividend date of this dividend is Friday, December 8th. This represents a $2.88 annualized dividend and a dividend yield of 2.20%. The Travelers Companies’s dividend payout ratio is currently 33.29%.

The Travelers Companies announced that its Board of Directors has approved a share repurchase plan on Monday, September 11th that permits the company to repurchase outstanding shares. This repurchase authorization permits the insurance provider to repurchase shares of its stock through open market purchases. Stock repurchase plans are typically an indication that the company’s board of directors believes its stock is undervalued.

Several analysts recently weighed in on the company. Zacks Investment Research downgraded The Travelers Companies from a “hold” rating to a “sell” rating in a research note on Tuesday, September 5th. Barclays PLC increased their target price on The Travelers Companies from $119.00 to $122.00 and gave the company an “equal weight” rating in a research note on Friday, August 11th. BidaskClub downgraded The Travelers Companies from a “sell” rating to a “strong sell” rating in a research note on Tuesday, August 1st. Wells Fargo & Company set a $125.00 price objective on The Travelers Companies and gave the stock a “hold” rating in a research report on Tuesday. Finally, MKM Partners reiterated a “neutral” rating and issued a $130.00 price objective (up previously from $115.00) on shares of The Travelers Companies in a research report on Wednesday, July 26th. Five investment analysts have rated the stock with a sell rating, nine have assigned a hold rating and nine have issued a buy rating to the stock. The stock currently has an average rating of “Hold” and a consensus price target of $128.54.

In other The Travelers Companies news, EVP Andy F. Bessette sold 2,000 shares of The Travelers Companies stock in a transaction dated Tuesday, November 14th. The stock was sold at an average price of $132.98, for a total transaction of $265,960.00. Following the transaction, the executive vice president now directly owns 8,000 shares in the company, valued at $1,063,840. The transaction was disclosed in a filing with the SEC, which is accessible through this hyperlink. 0.82% of the stock is owned by company insiders.

About The Travelers Companies

The Travelers Companies, Inc is a holding company. The Company’s segments include Business and International Insurance; Bond & Specialty Insurance, and Personal Insurance. Through its subsidiaries, it provides commercial and personal property and casualty insurance products and services. The Business and International Insurance segment offers property and casualty insurance and insurance related services to its clients, in the United States and in Canada, as well as in the United Kingdom, the Republic of Ireland, Brazil and throughout other parts of the world.

Institutional Ownership by Quarter for The Travelers Companies (NYSE:TRV)

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The Travelers Companies, Inc. (TRV) Shares Bought by Conning Inc.

Conning Inc. increased its stake in shares of The Travelers Companies, Inc. (NYSE:TRV) by 2.2% during the third quarter, according to the company in its most recent filing with the SEC. The fund owned 238,906 shares of the insurance provider’s stock after acquiring an additional 5,189 shares during the period. Conning Inc. owned 0.09% of The Travelers Companies worth $29,271,000 as of its most recent filing with the SEC.

Several other hedge funds and other institutional investors also recently modified their holdings of the company. Tradewinds Capital Management LLC increased its holdings in shares of The Travelers Companies by 1.1% during the 2nd quarter. Tradewinds Capital Management LLC now owns 905 shares of the insurance provider’s stock valued at $115,000 after acquiring an additional 10 shares during the last quarter. Community Bank N.A. increased its holdings in shares of The Travelers Companies by 0.7% during the 2nd quarter. Community Bank N.A. now owns 1,435 shares of the insurance provider’s stock valued at $181,000 after acquiring an additional 10 shares during the last quarter. First Business Financial Services Inc. increased its holdings in shares of The Travelers Companies by 0.5% during the 2nd quarter. First Business Financial Services Inc. now owns 4,362 shares of the insurance provider’s stock valued at $552,000 after acquiring an additional 20 shares during the last quarter. Northern Oak Wealth Management Inc. increased its holdings in shares of The Travelers Companies by 0.5% during the 1st quarter. Northern Oak Wealth Management Inc. now owns 4,873 shares of the insurance provider’s stock valued at $587,000 after acquiring an additional 23 shares during the last quarter. Finally, Lee Danner & Bass Inc. boosted its stake in The Travelers Companies by 0.4% during the 2nd quarter. Lee Danner & Bass Inc. now owns 6,574 shares of the insurance provider’s stock valued at $832,000 after purchasing an additional 24 shares during the period. 77.63% of the stock is currently owned by institutional investors and hedge funds.

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Shares of The Travelers Companies, Inc. (TRV) opened at $130.81 on Friday. The company has a market capitalization of $35,800.00, a price-to-earnings ratio of 16.34, a PEG ratio of 2.52 and a beta of 1.26. The Travelers Companies, Inc. has a 52 week low of $110.40 and a 52 week high of $135.71. The company has a debt-to-equity ratio of 0.29, a current ratio of 0.41 and a quick ratio of 0.41.

The Travelers Companies (NYSE:TRV) last posted its quarterly earnings results on Thursday, October 19th. The insurance provider reported $0.91 earnings per share (EPS) for the quarter, missing the Thomson Reuters’ consensus estimate of $2.10 by ($1.19). The Travelers Companies had a return on equity of 9.87% and a net margin of 8.56%. The company had revenue of $6.66 billion during the quarter, compared to the consensus estimate of $6.46 billion. During the same quarter in the prior year, the business earned $2.40 earnings per share. The firm’s revenue for the quarter was up 4.2% on a year-over-year basis. sell-side analysts predict that The Travelers Companies, Inc. will post 7.09 earnings per share for the current fiscal year.

The business also recently declared a quarterly dividend, which will be paid on Friday, December 29th. Stockholders of record on Monday, December 11th will be given a $0.72 dividend. The ex-dividend date of this dividend is Friday, December 8th. This represents a $2.88 annualized dividend and a dividend yield of 2.20%. The Travelers Companies’s dividend payout ratio is currently 33.29%.

The Travelers Companies announced that its Board of Directors has approved a share repurchase plan on Monday, September 11th that permits the company to repurchase outstanding shares. This repurchase authorization permits the insurance provider to repurchase shares of its stock through open market purchases. Stock repurchase plans are typically an indication that the company’s board of directors believes its stock is undervalued.

Several analysts recently weighed in on the company. Zacks Investment Research downgraded The Travelers Companies from a “hold” rating to a “sell” rating in a research note on Tuesday, September 5th. Barclays PLC increased their target price on The Travelers Companies from $119.00 to $122.00 and gave the company an “equal weight” rating in a research note on Friday, August 11th. BidaskClub downgraded The Travelers Companies from a “sell” rating to a “strong sell” rating in a research note on Tuesday, August 1st. Wells Fargo & Company set a $125.00 price objective on The Travelers Companies and gave the stock a “hold” rating in a research report on Tuesday. Finally, MKM Partners reiterated a “neutral” rating and issued a $130.00 price objective (up previously from $115.00) on shares of The Travelers Companies in a research report on Wednesday, July 26th. Five investment analysts have rated the stock with a sell rating, nine have assigned a hold rating and nine have issued a buy rating to the stock. The stock currently has an average rating of “Hold” and a consensus price target of $128.54.

In other The Travelers Companies news, EVP Andy F. Bessette sold 2,000 shares of The Travelers Companies stock in a transaction dated Tuesday, November 14th. The stock was sold at an average price of $132.98, for a total transaction of $265,960.00. Following the transaction, the executive vice president now directly owns 8,000 shares in the company, valued at $1,063,840. The transaction was disclosed in a filing with the SEC, which is accessible through this hyperlink. 0.82% of the stock is owned by company insiders.

About The Travelers Companies

The Travelers Companies, Inc is a holding company. The Company’s segments include Business and International Insurance; Bond & Specialty Insurance, and Personal Insurance. Through its subsidiaries, it provides commercial and personal property and casualty insurance products and services. The Business and International Insurance segment offers property and casualty insurance and insurance related services to its clients, in the United States and in Canada, as well as in the United Kingdom, the Republic of Ireland, Brazil and throughout other parts of the world.

Institutional Ownership by Quarter for The Travelers Companies (NYSE:TRV)

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Major medical plan:

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HMO plan:

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PPO health plan:

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POS Health Plan:

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