Tuesday, February 25, 2014

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Tuesday, February 18, 2014

Fitch: Dai-ichi Life Acquisition Won't Hurt Sales Force Profitability

The acquisition of Sompo Japan DIY will allow Dai-ichi Life to diversify and enlarge its customer base over the medium term, but an important risk is whether the traditional Japanese life insurer will be able to avoid any premium price erosion in its core sales force after its integrating Sompo Japan DIY. The worst possible scenario is that Dai-ichi Life makes unnecessary premium rate cuts in the products sold by its core sales force. Fitch believes Dai-ichi Life is likely to maintain profitability in the core sales force by separating the low-cost operating entity adequately. Dai-ichi Life already owns 10% of Sompo Japan DIY due to its strategic alliance with the smaller insurer's parent, Sompo Japan Insurance, Inc. (Sompo Japan, IFS A+/Stable), and will purchase the remaining 90% from Sompo Japan in the latest deal. The purchase price is around JPY5bn, which is negligible compared with Dai-ichi Life's net assets of JPY1,971bn at end-December 2013. Dai-ichi Life's customer base has been built up largely through its own sales force, which attracts conservative customers who are less sensitive to premium rates and prefer consulting with sales people. By acquiring Sompo Japan DIY, Dai-ichi Life will be able to tap proactive and price-sensitive customers who shop around for products. Non-traditional life insurers, including foreign companies such as Aflac, Inc. (IFS AA-/Stable) and subsidiaries of non-life insurance groups such as NKSJ Himawari Life Insurance Co., Limited, have demonstrated their strength in this market segment with their relatively simpler and cheaper products. Dai-ichi Life is planning to use Sompo Japan DIY as its low-cost operating entity that will provide cheaper and simpler products compared with the products that its core sales force promotes. Dai-ichi Life will start distributing new products via Sompo Japan DIY's agents from 2H15, with the latter expected to change its name by then. Fitch expects Dai-ichi Life's overall credit fundamentals to continue to improve for now. This is due to: improving investment spread; resilient life insurance underwriting backed by a steadily growing profitable third (health) sector; and continued reduction of interest rate risk as the company reduces the duration gap between assets and liabilities. Contacts: Teruki Morinaga Director +813 3288 2772 Fitch Ratings Japan Limited Kojimachi Crystal City East Wing 3F, 4-8 Kojimachi, Chiyoda-ku Tokyo 102-0083 Akane Nishizaki Associate Director +852 2263 9942 Media Relations: Wai-Lun Wan, Hong Kong, Tel: +852 2263 9935, Email: wailun.wan@fitchratings.com. Additional information is available at www.fitchratings.com. ALL FITCH CREDIT RATINGS ARE SUBJECT TO CERTAIN LIMITATIONS AND DISCLAIMERS. PLEASE READ THESE LIMITATIONS AND DISCLAIMERS BY FOLLOWING THIS LINK: here . IN ADDITION, RATING DEFINITIONS AND THE TERMS OF USE OF SUCH RATINGS ARE AVAILABLE ON THE AGENCY'S PUBLIC WEBSITE 'WWW.FITCHRATINGS.COM'. PUBLISHED RATINGS, CRITERIA AND METHODOLOGIES ARE AVAILABLE FROM THIS SITE AT ALL TIMES. FITCH'S CODE OF CONDUCT, CONFIDENTIALITY, CONFLICTS OF INTEREST, AFFILIATE FIREWALL, COMPLIANCE AND OTHER RELEVANT POLICIES AND PROCEDURES ARE ALSO AVAILABLE FROM THE 'CODE OF CONDUCT' SECTION OF THIS SITE. FITCH MAY HAVE PROVIDED ANOTHER PERMISSIBLE SERVICE TO THE RATED ENTITY OR ITS RELATED THIRD PARTIES. DETAILS OF THIS SERVICE FOR RATINGS FOR WHICH THE LEAD ANALYST IS BASED IN AN EU-REGISTERED ENTITY CAN BE FOUND ON THE ENTITY SUMMARY PAGE FOR THIS ISSUER ON THE FITCH WEBSITE. FILED UNDER:
For the original version visit http://www.reuters.com/article/2014/02/18/fitch-dai-ichi-life-acquisition-wont-hur-idUSFit69082820140218?feedType=RSS&virtualBrandChannel=11563

Monday, February 17, 2014

how To Tell If He Cares

Are you dating someone you are crazy about? Do you wonder if he cares? How can you tell? What are the signs?

As a dating coach, I often hear stories from people about how they were in love with someone who did not love them back. The one they obsessed about said, "I like you very much but I don't feel 'that way' about you. But I'd like to be friends."

If that ever happens to you, thank the person for their honesty and move on. There is little chance of a future with this person but one of heart ache. To hang out in a relationship like this, hoping that once the person knows you better, they will change their mind, is being unkind to yourself. Remember this: there are lots of other singles just waiting to meet you. But if you bury yourself in a relationship going nowhere, they can't find you.

Here are ten signs that tell you if he cares:

* He calls.

He calls and emails often. He wants to talk to you and tell you what he's doing. He asks about your day. He loves the sound of your voice.

*His friends know who you are.

When you meet them, they know your name. You can tell by the way they treat you that he has said good things about you. They are very kind and friendly.

* He blushes easily around you.

He's a little bit nervous, wanting to take care of you and wanting you to have a good time wherever you go with him.

* He asks you where you would like to go for dinner.

He wants to know which movie you'd like to see and how you'd like to spend Saturday night.

*He lingers at your door.

He doesn't want to say good night.

* He thinks your stories and jokes are funny, even if no one else thinks so.

He listens when you talk and asks questions. He remembers details from your other conversations. He laughs at everything you say, if you are trying to be amusing.

* He loves the way you dress and compliments you on how you look.

He notices if you change your hair style. He admires your taste. He thinks you look terrific.

* He wants to meet your family.

He asks questions about all of them and likes to hear your family stories.

* He is sad if you are upset.

He is even sadder if you have to go out of town. He emails and calls every day that you are away.

* He does caring things for you.

He cooks dinner for you sometimes, helps you clean up your house, walks your dog, or feeds your cat and changes the litter box. (If he changes the litter box, he definitely cares about you.)

Here are the danger signs that he is someone to stay away from:

* He wants to borrow your car or your money

* He says the same flattering things to other women that he says to you.

* He only gives you his cell phone number and he won't tell you where he lives.

* He won't hang out with you during the day or in public places. He only wants to come over to your place.

*He tells you he loves you on the first or second date and he wants to move in.

If you are still confused about whether your love interest cares about you, introduce him to your family and friends and ask for their opinion. And remember: you deserve to be adored.