自身难保的AIG保险

无花

yahoo 上贴过来的.....朋友们可要坐定定

11:30 am : The stock market gives up gains from the CNBC report of AIG (AIG 2.39, -2.36) bailout talks after CNBC's David Faber said the private sector solution to AIG is definitively dead, and sources say the most likely outcome is bankruptcy.

1688

AIG急需周转　恐数天内倒闭
二零零八年九月十六日 晚上六时五十七分


（纽约16日电）与此同时，继雷曼兄弟后，美国最大保险公司美国国际集团（AIG）受信贷危机打击陷入财困。

消息称，一旦美国国际集团信贷评级下跌，将令其面对大规模撤资潮；若未能获得注资，美国国际集团更会在‘48至72小时内’倒闭。

寻求高盛摩通筹款

以资产计为全美最大保险商的美国国际集团，到昨日美市开市仍无法公布出售资产或注资计划，制止可能被调低信贷评级对公司造成的影响，令其股价开市即大跌5成，收市跌61%。

财经频道CNBC早前报导，美国国际集团正以各种方法筹集500亿美元流动资金，包括和美国‘股神’巴菲特磋商及寻求私募基金襄助。

《纽约时报》则引述知情人士报导，美国国际集团拒绝私募基金J.C.Flowers的注资计划后，要求联储局提供400亿美元临时贷款。

华尔街大行花旗分析师尚克上周五称，美国国际集团的流动资金告急，或须向联储局的贴现窗借钱。不过，联储局已要求美国国际集团筹集私人资金，不鼓励从央行贷款。

消息人士透露，在联储局终止向美国国际集团提供资金后，美国国际集团正通过高盛及摩根大通寻求高达750亿美元的贷款。

华尔街大型机构的代表正在纽约联储局连续第4天举行会议，其中两名与会人士透露，这次是讨论美国国际集团的集资危机问题，即通过银行联合实行所谓的过度贷款，但尚不能确定能否达成最终协议。

美国国际集团发言人则称，他们仍在多项选择中斟酌。摩根大通与高盛发言人也拒绝置评。

雷曼兄弟破产  全球股市插水

美国投资银行雷曼兄弟因寻求买家失败宣布破产，触发全球股市插水。美股周一急跌，全日收市道指暴跌达4%，是911事件以来最大单日跌幅。

市场预计，事件会触发新一轮破产潮，美国陷入百年一遇的金融危机。

据《华尔街日报》引述消息人士报导，联储局主席伯南克及纽约联储银行总裁盖特纳向30多名大行高层表明华府无意插手挽救雷曼兄弟。

报导指，盖特纳期望大行自行定出解救方法，联手购入雷曼的有问题及高风险资产，协助雷曼吸引潜在买家；但此变相要求各大行在银根紧拙下大洒金钱。

消息亦指出，当局试图避免私人投资者掠夺税人金钱，让雷曼崩溃是两害取其轻之举。

http://www.kwongwah.com.my/news/2008/09/16/106.html
=======================================================================================
看来外资公司也不安全。AIA 如果倒下，我们政府会接管AIA在大马的业务吗?

[ 本帖最后由 1688 于 17-9-2008 12:04 AM 编辑 ]

1688

雷曼員工發薪未有期
國際 即時新聞  2008-09-16 09:00

雷曼兄弟昨日創下史上破產記錄，全球員工已開始離開，除了要搵工外，還要等公司發放積欠的薪資。

26歲的倫敦固定收益研究部門員工Duo Ai表示，大家都忙著在手機上和獵頭公司談話，場面很混亂，現在的問題是這個月薪水是否拿得到。

他表示，大家都很生氣，是管理層弄砸了，隨便怎樣都應該比現在的情況好。

雷曼創立158年來，經歷許多風暴，但都全身而退，例如1800年代的鐵路公司倒閉潮，1930年代的經濟大蕭條及十年前的長期資本管理公司的倒閉，今天卻向紐約南區的美國破產法院申請破產保護。負債逾6130億美元的雷曼，超過1990年Drexel Burnham Lambert倒閉時的金額。

雷曼在全球2.5萬名員工擔心未來生計。其員工共持有公司1/3的股票。（香港明報）

http://www.sinchew-i.com/node/44137?tid=4

============================================================
AIA的员工和agent你们也可以准备找工了!!!!!! 保费准备泡汤

郭大侠

这问题对于保客并不是很大。。。

http://money.cnn.com/2008/09/16/ ... tversion=2008091612

5 questions: Why AIG matters to you
People with AIG insurance policies are wondering if the company's problems will affect them. Here's how...and why you should care even if you aren't a customer.
EMAIL  |   PRINT  |   SHARE  |   RSS
By Chris Isidore, CNNMoney.com senior writer
Last Updated: September 16, 2008: 12:34 PM EDT

AIG, better when boring

More Videos

5 questions: Why AIG matters to you
Consumer prices ease slightly
Stocks slide at the open
Stocks poised for mixed open
Why they let Lehman die
Issue #1: America's Money - Everyday on CNN


NEW YORK (CNNMoney.com) -- American International Group is the world's largest insurer and at the moment, Wall Street's biggest worry.

The insurer is struggling to raise cash while economists and investors debate whether or not it should get a government bailout. But despite the importance of the company, the average American is probably not sure how, or why, its problems will affect them.

Here are five key questions and answers about AIG's current woes and what they mean to you.

I have insurance through AIG. How worried should I be about the problems at the company?

At least in the short term, you probably don't need to be worried at all. The problems are with the AIG holding company, not the individual insurance company subsidiaries that you do business with, according to a source with New York State's insurance regulator.

Even if AIG's holding company is forced to file for bankruptcy court protection, there's a good chance that the subsidiaries will continue to operate normally with no disruption in claims payments. That has happened in the case of other insurance holding companies bankruptcies in the past, such as Conseco (CNO).

What guarantees are there that my claims will be paid?

Typically, if an insurance company falls into financial distress and is at risk of having claims that exceed the assets it holds to make those payments, the insurance regulator in its home state will take control of the firm and make payments.

The state regulator will not only use the firm's own assets to make those payments but if necessary can also make payments out of a state fund into which all insurers in the state are required to pay.

This guarantee applies not just to traditional insurance policies but also to retirement products that have a promised payout, such as annuities.

But there are limits to the payments that will be made to customers that vary depending on which state a particular AIG subsidiary is based, according to Joseph Belth, professor emeritus of insurance at Indiana University and editor of The Insurance Forum, a newsletter often critical of the industry.

Should I be thinking about changing my policy away from AIG to another insurer?

While credit rating agencies downgraded debt held by AIG (AIG, Fortune 500) on Monday, AIG's ratings are still considered investment grade and the company's insurance subsidiaries are considered to be secure, at least for now.

Belth said changing insurers is not a simple decision.

"A lot depends on what kind of insurance you talk about," he said. "If you're talking about life insurance, you have to think about whether you can qualify with a new insurer, if your health has changed. But it's something you have to consider if the ratings decline into the vulnerable range."

Why should I care about problems at AIG if I'm not a customer?

AIG is by far the world's largest insurer and its stock is found in many mutual funds, including any S&P 500 index fund. It is also a component of the Dow Jones industrial average. All by itself, it's been responsible for dragging the Dow down more than 400 points so far this year.

AIG is also active in the business of credit default swaps, complicated financial instruments used by investors to protect themselves from bond defaults. Lehman Brothers (LEH, Fortune 500) was another major player in that field. If both go away, it would create a tighter credit market for consumers and businesses trying to get loans.

For this reason, there is a debate about whether the Federal Reserve will agree to lend the company the tens of billions of dollars it needs to cover its short-term funding needs or if the Fed will try and get private firms to assist AIG instead.

AIG is an insurer, not a lender. Why do I keep hearing about its problems with subprime mortgages?

All insurers take money they collect in premiums and invest them in different forms of assets. The idea is to make money on those investments so that the insurer can keep their premiums low and attract more clients.

But AIG made a bigger investment into securities that were backed by subprime mortgages than most other insurers. As defaults and foreclosures of those loans rose, the value of those securities fell, creating big problems for the firm.

In the past nine months, AIG has reported net losses of more than $18 billion, largely due to its exposure to bad mortgages.
First Published: September 16, 2008: 12:19 PM EDT

爱情是一种怪事

各位有买过保单然后保险公司倒闭的经验或例子吗？

jimmylye

其实公司出现危机，最主要的是有cash value的保单将会大大的影响。因为cash value是根据公司盈利给的。所以在市场上GREAT EASTERN是给了最多。。。因为它是马来西亚保险界的龙头大哥。。。如不信的话，大可以查查bank negara report。。。

plus101

AIA 已经在6 月 localised 成为AIA BERHAD.， 马来西亚AIA是和美国为两个不同法律实体,有不同的注册资本. 另外，马来西亚的保险公司与银行最大的不同点：保险公司需存放一笔庞大保证金在国家银行以保证保客的利益，而银行自需为顾客买6万的保险即可。

紅凌

原帖由 tan81 于 16-9-2008 03:12 PM 发表
问了我的大东方的Agent 。
他说不会有问题，理由也是保险公司财力雄厚之类的。
不过，看来他比我们这些买股票的，更不明白什么是金融危机。
所以，我没有相信。

我会直接问这个还没有签的Agent 。我比较信任她 ...

其实，我猜你大东方的Agent并非不懂金融的问题，
他为了不想让你对保险保单失去信心，所以想说服你，让你不要退保单，
这完全是出于商业利益的考量，并非是你的Agent知识不足，
而且实际上他还比你紧张，因为今天有很多人去AIG公司取消保单，相信保险业的内部的人也已经人心惶惶了，

笨鳥先飛

就像發生危機的銀行發生擠兌的情形一樣，美國友邦保險新加坡分公司位於萊佛士坊的辦公室，一早就出現長長人龍，這些新加坡人擔心友邦母公司AIG倒閉，連累友邦，紛紛要求辦理退保。

一些新加坡人受訪時說，儘管提早退保必須繳付罰金，但現在只想退保取回投入保單的款項，以防萬一。

笨鳥先飛

全球最大保險業者美國友邦（AIA）母公司美國國際集團（AIG ）傳出資金短缺後，許多新加坡人今天紛紛到友邦新加坡分公司要求退保。新加坡金融管理局強調，友邦保險的保險資金內，有足夠資產應付保單持有人的債務責任，呼籲新加坡民眾不要倉促終止保單。

就像發生危機的銀行發生擠兌的情形一樣，美國友邦保險新加坡分公司位於萊佛士坊的辦公室，一早就出現長長人龍，這些新加坡人擔心友邦母公司AIG倒閉，連累友邦，紛紛要求辦理退保。

一些新加坡人受訪時說，儘管提早退保必須繳付罰金，但現在只想退保取回投入保單的款項，以防萬一。

友邦在新加坡共有約兩百萬名保單持有人，並在新加坡的東部和市區設有五個辦事處。

對於上述退保狀況，新加坡金融管理局強調，友邦保險的保險資金中，有足夠資產應付保單持有人的債務責任，呼籲新加坡人不要倉促終止保單，以免蒙受退保帶來的損失，同時導致自己失去保障。

金融管理局重申，法律規定在新加坡的所有保險業者，都必須存有法定保險資金，當中也包括投資相關資金，這筆資金和母公司及股東的資金並無關聯。

金融管理局說，當局規定，所有保險公司存有的法定資金，金額必須能應付所有保單持有人，其中包括現有保單和投資型保單的債務責任。

金管局表示，正持續關注相關局勢的發展。

笨鳥先飛

圖片來自laohu

Mr.Business

还没给钱就不要买了，买别家比较好。。。

PS：换个角度想想，大家都对AIG没信心。银行和保险公司为人理财，所以一定要给客户信心，客户一旦怀疑她，那她的生存希望就不大了。

江湖

原帖由 笨鳥先飛 于 17-9-2008 03:03 AM 发表
就像發生危機的銀行發生擠兌的情形一樣，美國友邦保險新加坡分公司位於萊佛士坊的辦公室，一早就出現長長人龍，這些新加坡人擔心友邦母公司AIG倒閉，連累友邦，紛紛要求辦理退保。

一些新加坡人受訪時說，儘管提早 ...

几时到大马的？
到底大马人对破产不担心，对公司有信心　还是新加坡人真的“怕死”？？？

由此可见，　新加坡人比较怕死，　大马人比较对财务知识缺乏。。。

四伯爽

一路以来听说大东方的母公司OCBC是一间很保守的公司
希望是真的保守咯
不然就荷兰了了了了

來須蒼真

我几个月前买的AIA LIFE INSURANCE 看来需要WITHDRAW了。
不否认我KIASU哈哈，但还是啊婆走的快，肯定好世界

大便纸

By Lilla Zuill and Jonathan Stempel


    NEW YORK (Reuters) - An $85 billion government rescue of insurerAmerican International Group Inc looked increasingly likely on Tuesdayto stave off a bankruptcy that would have thrown world markets backinto turmoil.

    The Federal Reserve will extend AIG $85 billion in exchange for anearly 80 percent stake to bail out the troubled insurance giant, aperson briefed on the matter said.

    The deal would avoid the biggest corporate bankruptcy ever andfollows a government bailout of mortgage lenders Freddie Mac and FannieMae just over a week ago.

    Earlier, U.S. stocks clawed back from their biggest one-day drop inseven years, soothed by speculation about a government rescue of AIG, alikely sale of Lehman Brothers' investment bank to Britain's Barclays,and a better-than-expected quarterly profit from Goldman Sachs.

    Morgan Stanley added a positive note after the close of trading whenit reported a slight quarterly profit fall, setting it apart fromrivals bleeding red ink.

    Then AIG shares, which had sunk 21 percent in regular trading, fellas much as 48 percent in after-hours dealings after reports of a rescuethat could wipe out shareholders.

    The New York Times, which had reported that AIG could file as soonas Wednesday for bankruptcy protection, later reported the deal withthe Fed.

    "This would mean another shareholder wipeout," said David Ader, headof government bond strategy at RBS Greenwich Capital in Greenwich,Connecticut.  Continued...

江湖

借了，有没有的还？？你会借钱给有财务问题的公司吗？


NY allows AIG to borrow from subsidiaries
Monday September 15, 8:25 pm ET 
By Ieva M. Augstums and Stephen Bernard, AP Business Writers
NY governor allows AIG to use $20B of subsidiary company assets to stay in business

CHARLOTTE, N.C. (AP) -- American International Group Inc. will be allowed to use $20 billion of assets held by its subsidiaries to provide cash needed for the troubled insurer to stay in business, New York Gov. David Paterson said Monday. The move comes as AIG reviews its operations and discusses alternatives with outside parties, reportedly including Warren Buffett's Berkshire Hathaway Inc., to shore up its business amid concern the world's largest insurer could need billions of dollars to strengthen its balance sheet.
Paterson asked New York state insurance regulators to essentially allow New York-based AIG to provide a bridge loan to itself. The governor has also asked the head of New York's insurance department to talk with federal regulators about providing an additional bridge loan to AIG.
"AIG still remains financially sound," Paterson said.
The move will allow AIG to use those assets as collateral to borrow cash to fund its day-to-day operations, Paterson explained.
It also helps AIG by "giving them what they need most, which is time," said Keefe Bruyette & Woods analyst Cliff Gallant, who added that the relaxation of insurance regulations is "unprecedented."
Typically, a state insurance commissioner's priority is to protect the policyholder, and that includes making it very difficult for an insurer to access the funds that are used to pay claims.
AIG could face significant claims from Hurricanes Ike and Gustav, which have battered the Gulf Coast. But "AIG is a big company, and I would expect they will be able to meet their claims," Gallant said.
"Those events do not cause an immediate cash problem for the company," he added.
If an insurer cannot pay its claims, the state's insurance fund, which is backed by other insurance companies that do business in the state, would help pay off policyholders.
"If anyone's been put at risk, it's the other insurance companies who do business in the state," Gallant said.
AIG has been battered over the past year by billions of dollars of losses tied to deterioration in the mortgage and credit markets.
Shares of AIG fell $7.38, or 60.8 percent, to close at $4.76 Monday. They had been down as much as 71 percent to $3.50 before Paterson's comments.
The Fed has asked Goldman Sachs Group Inc. to work with JPMorgan Chase & Co. about a possible short-term loan to keep AIG in business, said a person familiar with the request who could not speak publicly because talks were still ongoing. The loan could be for about $70 billion, the person said.
JPMorgan is a financial advisor for AIG.
Calls to Goldman Sachs were not immediately returned.
Treasury spokeswoman Brookly McLaughlin declined to comment when asked about the possible financing efforts.
Also, the insurer was said to be in "rescue" talks with Buffett.
Berkshire Hathaway spokeswoman Jackie Wilson said Buffett was not available Monday to comment on the AIG-rescue reports. Typically, Berkshire does not comment on any deals before they are completed.
On Friday, Standard & Poor's warned that it could cut AIG's credit rating by one to three notches because of concerns that AIG will have difficulty accessing capital in the short term.
AIG is in a precarious position, in part, because of a potential downgrade to its credit ratings and how that would affect its portfolio of financial instruments known as credit default swaps. The swaps are essentially insurance coverage to protect investors against defaulting bonds or debt.
For the three quarters ended in June, AIG lost about $25 billion in the value of credit default swaps.
As a seller of the swaps, investors go to AIG to insure bonds or debt they hold. As part of those swaps, AIG must maintain certain credit ratings. If AIG's ratings are cut, the insurer must put up more collateral or repay the contracts. The credit ratings clause is essentially a hedge against failure by AIG to pay out any claims on the swaps.
AIG estimated a one-notch downgrade by both S& and Moody's Investors Service would force it to post $13.3 billion in extra collateral to cover swaps, according to a regulatory filing.
Another ratings agency, Fitch Ratings, on Monday night cut its longterm issuer default rating for AIG to "A" from "AA-."
The potential need for that extra capital puts a constraint on AIG's day-to-day liquidity position, which is why it has been seeking new financing or capital investments.
AIG had worked with New York officials through the weekend to shore up capital after rating agencies threatened downgrades. AIG has said it is exploring all options to help bolster a balance sheet battered by a downturn in the credit and mortgage markets.
"It's not like they have excessive claims," said Tony Plath, an associate professor of finance at the University of North Carolina at Charlotte. "What's going on is the same thing that's going on in the banking industry. They are writing down their assets because they've got assets that are not worth what their balance sheet says they're worth."
Calls made Monday to AIG were not immediately returned.
AIG's chief executive, Robert Willumstad, who has been CEO since June, was expected to announce a turnaround plan Monday, possibly involving the disposal of major assets including its domestic automotive business and its annuities unit, the Journal reported, citing unidentified people. Also possibly up for sale is the company's aircraft-leasing business.
Willumstad has indicated he was willing to shed some assets, saying about a month ago that a "less complex AIG would be a better competitor."
"We're assessing all of our businesses and looking at options for how AIG ought to compete in the future, what kind of businesses we ought to be in," said AIG spokesman Nicholas Ashooh Sunday night.
AIG's aircraft-leasing arm, International Lease Finance Corp., posted record results in the second quarter. As recently as June, AIG considered shedding ILFC, a company founded in 1973 that has a fleet of more than 900 airplanes valued at more than $50 billion.
AP Business Writer Stephen Bernard reported from New York. AP Business Writers Josh Funk and Marty Crutsinger contributed to this story.

　

[ 本帖最后由 江湖 于 17-9-2008 09:33 AM 编辑 ]

ljlq

问一问，想要取消保单，拿回钱一定要经过代理才能做么？
还是自己可以做？

幸运草0082

原帖由 ljlq 于 17-9-2008 10:19 AM 发表
问一问，想要取消保单，拿回钱一定要经过代理才能做么？
还是自己可以做？

自接去公司说你要SURRENDER保单就可以了. 记得拿你的POLICY去. 代理是给你一定性的服务, 他也会给你一定的ADVICE, 不过决定权还是你本身. 不过还是建议顾客本身也要懂一些理财的工具. 很多人就是因为不懂而被代理欺瞒. 错觉的以为什么事都一定要经过代理.

jimmylye

还好GREAT EASTERN还没有在美国投资次房贷，加上它一直以来都只是专注在保险业务上，不然也不能在短短几年内就登上马来西亚龙头大哥。。。