- 4,811
very little to none of insurance carriers money can be invested in the stock market. Almost all of it is invested in Treasury bills, commercial mortgages, bonds. Those were paying almost nothing for 10-15 years, so carriers should have been raising their rates to offset, but with most FE sold by independent agents, FE carriers have to attempt to have low rates, high commissions, good technology. Those are all very costly. Plus, add in the target market of older unhealthy consumers & I see a math problem of how any one could be profitable long term, especially in low interest rate environment & high tech/vendor costs(script checks, med billing checks, e-apps, etc)
