Aegon advisor underwriting a loan

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This allows a portfolio of ABS bonds to still achieve a positive total return in a rising rate environment, something which is hard to achieve in traditional long-duration fixed income. Aegon's Transamerica brand is also responsible for life re-insurance in Mexico. Another example are residential mortgages, which many institutional investors have started investing in given their attractive yield and low credit risk.

Aegon critical illness

An example is our Dutch residential mortgage business, where we enable institutional investors to invest in these mortgages via a pooled fund, and more recently also via SPV structures. Today they are the ninth largest insurer in Mexico, with more than 2,, clients. On July 31, , Aegon sold its Canadian life insurance, asset management and mutual fund operations to to Wilton Re for CAD million Approximately million euro. Supplemental insurance policies offer financial benefits to employees and their families in case of death, a serious health event, an accident or other covered circumstances that can throw saving and retirement plans off-track. In those cases, our team extensively analyzes the underwriting models of our chosen partners on a continuous basis, and determines the relative value of assets we can source from any of these partners at any point in time. And the list of "direct lending" activities of institutional investors, i. Seguros Argos sells individual life, group life, and health insurance. Today it continues to uphold that promise by offering a full portfolio of life insurance products designed to do just that. Long fixed-rate mortgages can also very well be used in an ALM context to match long-term liabilities. Stonebridge Life has been protecting families across America for more than 40 years and carries a solid financial rating. Transamerica Employee Benefits Transamerica Employee Benefits offers employees a comprehensive portfolio of supplemental health and life insurance products underwritten by Transamerica Life Insurance Company and Transamerica Financial Life Insurance Company. Companies benefit from its combination of innovative group insurance products, services, administration and distribution, with state-of-the-art database technologies, and direct response expertise.

An attractive feature of these micro loans is that they have - apart from an attractive yield - a relatively short duration, which reduces credit risk and mark-to-market volatility.

The company also has offices in 12 other states.

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Offered through employers, unions or approved trade associations, they're typically paid through payroll deduction. Their main technology solution, InterLend is a streamlined lending application system based on consumer needs that is designed to simplify the borrowing experience. Transamerica Employee Benefits Transamerica Employee Benefits offers employees a comprehensive portfolio of supplemental health and life insurance products underwritten by Transamerica Life Insurance Company and Transamerica Financial Life Insurance Company. In and , its various businesses were consolidated under the Transamerica brand name. An example is our Dutch residential mortgage business, where we enable institutional investors to invest in these mortgages via a pooled fund, and more recently also via SPV structures. And the list of "direct lending" activities of institutional investors, i. An attractive feature of these micro loans is that they have - apart from an attractive yield - a relatively short duration, which reduces credit risk and mark-to-market volatility. Net returns from such investments were - and still are - attractive compared to other fixed income investment opportunities. In , the company achieved its first million insured 18 months ahead of schedule and since then, their growth has been steady. However, regulatory pressure to raise bank capital ratios and to clean up and shrink the size of loan books has led to a shift in the European financing sector from almost sole reliance on bank lending prior to the crisis, towards a more important role for capital markets and institutional investors. These offer a - perceived - complexity premium, but probably more importantly have been bought less in the ECB purchase program than for example government bonds and IG corporate bonds, and hence yield on ABS has been less suppressed. Through its alliance with Transamerica, WFG offers a wide array of life insurance and income protection solutions. Today it continues to uphold that promise by offering a full portfolio of life insurance products designed to do just that.

Frank Meijer, Head of Alternatives and Private Debt, explains why institutional investors should consider investing in alternative fixed income. WFG has a unique business platform, which provides its associates with the resources they need to build their own businesses, which serve everyday individuals and families who are often overlooked by the financial services industry.

Moreover, we believe that our SME activities have a positive impact on the economy, and hence can be seen as "impact investing".

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Stonebridge Life has been protecting families across America for more than 40 years and carries a solid financial rating. Finally, we have done a very broad exploration globally of Fintech lending platforms or banks, and use some of them to originate assets on our behalf. These have a risk profile similar to liquid high yield and investment grade IG bonds respectively, but due to their illiquidity — and since they're not purchased by the ECB - offer a substantial higher yield than their liquid cousins. For some of these alternative fixed income asset classes, our in-house team originates assets. The company also has offices in 12 other states. An attractive feature of these micro loans is that they have - apart from an attractive yield - a relatively short duration, which reduces credit risk and mark-to-market volatility. Today it continues to uphold that promise by offering a full portfolio of life insurance products designed to do just that. Supplemental insurance policies offer financial benefits to employees and their families in case of death, a serious health event, an accident or other covered circumstances that can throw saving and retirement plans off-track. Transamerica Affinity Services works provides supplemental health, life, travel, accident, and retiree health insurance programs to America's leading brokers, consultants, third-party administrators, and managing general underwriters in their respective markets. Over the past years, the ECB's bond purchases have taken more than 2. This allows a portfolio of ABS bonds to still achieve a positive total return in a rising rate environment, something which is hard to achieve in traditional long-duration fixed income. For more information also see:. Aegon's Transamerica brand is also responsible for life re-insurance in Mexico. Traditional fixed income asset classes generate low returns The European Central Bank's ECB massive bond purchases in recent years have had an enormous impact on insurance companies and pension funds alongside other traditional buyers of fixed income asset classes.
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