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Last $31.74 USD
Change Today -0.05 / -0.16%
Volume 567.7K
As of 12:24 PM 10/9/15 All times are local (Market data is delayed by at least 15 minutes).
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Company Description

Contact Info

777 108th Avenue NE

Suite 1200

Bellevue, WA 98004

United States

Phone: 425-256-8000


he Individual Life segment, offers retail and institutional products. Principal retail products include universal life and term life insurance. Institutional products include bank-owned life insurance (BOLI) and variable corporate-owned life insurance (COLI). The company’s Individual Life division sells life insurance products that focus on the creation and protection of its clients' wealth by providing products that protect against financial hardship or preserve wealth as part of an estate plan. It offers universal life insurance products that provide protection for the insured, and may include a buildup of cash value that can be used to meet the policyholder’s financial needs during lifetime. The company’s individual term life products provide life insurance coverage with guaranteed level premiums for a specified period of time, with little or no buildup of cash value. It also offers institutional life insurance products to banks and other corporate institutions to insure the lives of their employees, usually officers and other highly compensated employees. Products Universal Life Insurance The company offers universal life insurance products with a range of product and secondary guarantee features. These provide policyholders with death benefit coverage while accumulating assets on a flexible, tax-favored basis, and may include the ability to access the cash value of the policy through a policy loan, partial withdrawal, or full surrender. Its major universal life product carries a secondary guarantee in the form of a lapse protection benefit rider, offering guaranteed premiums while potentially maintaining some cash accumulation value. In 2014, the company introduced a survivorship universal life product, which offers the ability to insure two lives and provide for estate planning through payment of the death benefits upon the death of the second insured. The company also offers single premium life, which provides a lifetime death benefit for a single premium payment. The company credits premium payments and interest to the policyholder’s account, and deducts expense and risk charges. Most of the company’s universal life policies also include surrender charge provisions for early termination and partial withdrawals. The company credits interest on policyholder account balances at a rate determined by it, subject to a contractually guaranteed minimum rate. Its universal life products have provisions that allow crediting rates to be reset at contractually-defined intervals, subject to minimum crediting rate guarantees. Term Life Insurance The company offers term life products that provide a guaranteed benefit upon the death of the insured while the coverage is in force. Its term life policies have little to no cash value buildup and therefore rarely have a payout if a policyholder allows the policy to lapse. The company’s primary term life insurance products have guaranteed level premiums for initial terms ranging from 10 to 30 years. Institutional Products The company’s institutional products include its fixed rate BOLI and its variable COLI products, which are commonly used by banks and other corporations as a tax-advantaged asset to fund employee benefit plans. Its variable COLI product allows customers to allocate premium to either a separate account or a fixed account. Distribution The company offers its life insurance products primarily through retail channels, including brokerage general agents, financial institutions, independent agents, and financial advisers. The company utilizes specialty agents to distribute its BOLI and variable COLI products. Strategy The key elements of the company’s strategy include growing its business, providing comprehensive solutions to meet its customers' employment-based benefits needs; driving profitable growth by selling annuities through financial institutions and broker-dealers; and broadening portfolio of retail products and expand sales through brokerage general agencies. Regulation Variable annuity contracts and variable life insurance contracts (variable contracts) issued by the company’s insurance company subsidiaries are secu


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Valuation SYA Industry Range
Price/Earnings 21.2x
Price/Sales 1.7x
Price/Book 1.2x
Price/Cash Flow 21.2x
TEV/Sales 0.9x

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