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Non-Tech : Independence Savings Bank (ICBC) -- Ignore unavailable to you. Want to Upgrade?

To: robert emann who wrote (217)	4/12/1998 11:17:00 PM
From: Steve Stuart	Read Replies (1) \| Respond to 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