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Non-Tech : Independence Savings Bank (ICBC)
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To: robert emann who wrote (217)4/12/1998 11:17:00 PM
From: Steve Stuart  Read Replies (1) of 246
 
Robert,

Thanks for the explanation. I guess speculating on mutual insurance company conversions is a much more individual decision than doing the same with mutual thrifts. If the insurance co. offers a product which you would want anyway, or one that offers very little opportunity cost, then it could be a good idea. As you pointed out, it depends on many variables like age, other insurance policies, etc. Thrift CDs are a much more "one size fits all" product. I gather that the conversion process is also much more standardized for thrifts, as well.

-Steve Stuart
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