i'd be surprised if the instos pay $2.00 ,everyone likes a discount
if its priced on a 5%divi then price must be way dwn lower end given huge pay out
% (70-80)and shares on issue
when times get tough policy holders can shop around and switch to lower premiums
real easy this will hurt their bottom line
they need to diversify their buisiness model and offer other services like m'gd funds/investments and assoc services
atm mostly same rev source ie.pure health ins revenue premiums
consumers demand more these days its a bit of a dihnosaur not like the other offerings in the mkt
