Driving Relationships, Balances and Profitability T hrough Insurance and Investments

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Driving Relationships, Balances and Profitability Through

Insurance and Investments

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CEO I&IHouseholds Penetration Average

Households Using An Investment Service at the Credit Union1 1,429 2.3% 2.3%

Households Using An Insurance Service at the Credit Union2 6,380 11.1% 11.1%

Total Households 65,8591 Annuities are considered an Investment Service in this analysis2 Has an Insurance Service Other than Non-Contributory AD&D

INVESTMENT AND INSURANCE HOUSEHOLD PENETRATIONCEO Average's Penetration Is About the Same For Investments and About

the Same For Insurance Services

CEO Average

2.3% 2.3%

11.1% 11.1%

Investment Services Insurance Services

CEO Average I&I Average

CEO Average has sold investment services into 2.3% of its member households. This is about the same as the average investment service penetration seen for all credit unions participating in this analysis (2.3%).

The credit union has sold insurance services into 11.1% of its member households. This is about the same as the average insurance service penetration seen for all credit unions participating in this analysis (11.1%).

Note that annuities are defined as an investment product in this analysis.

Households with only a Non-Contributory AD&D Policy are not considered an Insurance Household in this analysis.


Source: RFG's 2001 SPSG national data

WHAT IS THE SHARE OF THE MEMBER'S WALLET?

CEO Average

Deposits at Other Institutions

46%

Investments at Other Institutions

34%Assets Under Management

2.2%

Credit Union Deposits

18%

The chart illustrates a projection of the share of wallet controlled by the credit union. This is based upon current balances in deposit and investment accounts, as well as an estimate of the balances in investment accounts not at the credit union.

It is estimated that deposits at the credit union represent approximately 18% of the member's wallet.

Assets under management at the credit union are estimated to equal 2.2% of the typical member's assets.

Investments at other institutions is projected to be 34% of the typical member's wallet.


Total Net Income Deposits Loans Investments Insurance Total Income

Has Any Investment or Insurance Service1 -$353,647 $910,930 $451,375 $177,610 $1,186,268

Has Both Investments and Insurance -$12,110 $26,144 $22,377 $8,456 $44,867

Has Only Investment Service2 -$93,228 $155,926 $445,724 -- $508,422

Has Only Insurance Service3 -$278,881 $813,242 -- $187,819 $722,180

Has Only Non-Contributory AD&D -$583,499 $826,763 -- -- $243,264

No Investment or Insurance Services -$2,276,066 $4,462,197 -- -- $2,186,131

All Households -$2,903,228 $5,760,672 $451,375 $177,610 $3,486,428

1 Investment or Insurance service paid for by the member (excludes Non-Contributory AD&D)2 Annuities are considered an Investment Service in this analysis3 Has an Insurance Service Other than Non-Contributory AD&D

TOTAL NET INCOME: BY SEGMENT

HHs With Investments or Insurance Generate 34% of Net IncomeMember households without either investment or insurance services through the credit union generate $2.2 million in net income. This represents approximately 59% of credit union net income.

Households that have purchased investment or insurance services through the credit union generate $1.2 million in net income, or 34% of credit union net income.

This represents income from both deposit and loan services as well as income generated by the sale of investments and insurance products.

$44,867

$508,422$722,180

$243,264

$2,186,131

Per

cen

t o

f N

et In

com

e

Both Investmentsand Insurance

HHs withInvestments Only

HHS withInsurance Only

Non-ContributoryAD&D Only

No Investment OrInsurance


Percent of Households

Percent of Net

Income3Percent of

Households

Percent of Net

Income3

Has Any Investment or Insurance Service1 12.1% 34.0% 12.1% 34.0%

Has Both Investments and Insurance 0.2% 1.3% 0.2% 1.3%

Has Only Investment Service2 2.0% 14.6% 2.0% 14.6%

Has Only Insurance Service3 9.9% 20.7% 9.9% 20.7%

Has Only Non-Contributory AD&D 10.3% 7.0% 10.3% 7.0%

No Investment or Insurance Services 77.6% 62.7% 77.6% 62.7%

All Households 100.0% 99.9% 100.0% 100.0%1 Investment or Insurance service paid for by the member (excludes Non-Contributory AD&D)2 Annuities are considered an Investment Service in this analysis3 Has an Insurance Service Other than Non-Contributory AD&D

Investment and Insurance HHs Contribute Proportionately More Net Income at CEO Average

I&I AverageCEO Average

OVERALL CONTRIBUTION: PROPORTIONALITY

0.2% 1.3% 2.0%

14.6%9.9%

20.7%

10.3% 7.0%

77.6%

62.7%

Both Investmentsand Insurance

HHs withInvestments Only




Percent of Households Percent of Net Income

The chart and table illustrate the contribution of Investment and Insurance households relative to non-users.

While 12% of member households have investment or insurance services through the credit union, these households generate 34% of the credit union's net income. These households are responsible for a disproportionately high share of net income.


PROFITABILITY IMPACT: THE HOUSEHOLD VIEW

"Both Investments and Insurance" Is the Most Profitable Segment at CEO Average

$29

$17

$90 $81

$41 $245

$147 $194 $162

$0 $100 $200 $300 $400 $500 $600

Both Investments andInsurance

HHs with Investments Only

HHS with Insurance Only

Non-Contributory AD&D Only

No Investment Or Insurance

Deposit / Loan Profit Investment Profit Insurance Profit


Net Income per Household All Households

Has Both Investments and

Insurance

Has Only Investment

Service

Has Only Insurance Service

Has Only Non-Contributory

AD&D

No Investment or Insurance Services

CEO Average $50 $503 $286 $171 $17 $29

I&I Average $50 $503 $286 $171 $17 $29xxx Shading indicates results are 25% above average for average household.

HOUSEHOLD PROFIT COMPARISON

$503 $503

$286 $286

$171 $171

$17 $17 $29 $29

Has BothInvestments and

Insurance

Has OnlyInvestment Service

Has OnlyInsurance Service

Has Only Non-Contributory AD&D

No Investment orInsuranceServices


For CEO Average, 'Investment and Insurance HHs' are the MOST Profitable HHs households at $503.

'Only Non-Contributory AD&D HHs' are the LEAST Profitable HHs households at $17.

How Do The Results for CEO Average Compare With Other Credit Unions?

The following page shows the profit detail (deposits, loans, investments, and insurance) with comparisons to the CEO I&I Average.


HOUSEHOLD PROFITABILITY SEGMENTS

"A" Annual Net Income exceeds $500

"B"

"C"

"D"

"E"

Annual Net Income is between $1 and $99

Annual Net Income is less than -$100

Annual Net Income is between $0 and -$100

Annual Net Income is between $100 and $499

The "A" to "E" segmentation looks exclusively at household net income - the value of the household to the credit union each year. It is not a measure of the credit worthiness of a household. "A" households are most profitable, and "E" households are the least profitable.

Definition


Percent of Member Households All Households


Insurance

Has Only Investment

Service



AD&D


Total Profit per HH $50 $503 $286 $171 $17 $29

Profitable Households 36% 63% 63% 62% 23% 32%"A" HHs -- $500+ 9% 26% 17% 12% 7% 8%"B" HHs -- $100 to $499 11% 20% 15% 15% 9% 11%"C" HHs -- $1 to $99 16% 17% 30% 34% 6% 14%

Unprofitable Households 64% 37% 37% 38% 77% 68%"D" HHs -- $0 to ($99) 31% 9% 10% 13% 46% 35%"E" HHs -- ($100) 32% 28% 27% 25% 32% 33%

Total 100% 100% 100% 100% 100% 100%

PROFIT SEGMENTATION: BY SEGMENTS

For CEO Average, Investment and Insurance HHs have the highest percentage of profitable HHs households at 63%

7% 10% 12%

5% 7% 5%

12% 15% 35%

18% 16% 30%

27% 20% 18%

0% 10% 20% 30% 40% 50% 60% 70%

Has Both Investmentsand Insurance

Has Only InvestmentService

Has Only InsuranceService

Has Only Non-Contributory AD&D

No Investment orInsurance Services

A HHs B HHs C HHs

The chart and table illustrate the distribution of households across the A-E Profit Segmentation for CEO Average.

For households with BOTH investment and insurance services, 63% of households are profitable. The percent that are extremely profitable ('A' status) is 26%.

Compare this to HHs with no investment or insurance services, the percent profitable is 32%, and 8% are 'A' households.

1 1 1

0 0.5 1 1.5 2 2.5 3

1

#REF! #REF! #REF!

3 0% 9 0%2 3 % 7 4 %

2 5 % 1 01 %

2 7 % 1 01 %

2 9 % 1 02 % 1

0% 5 0% 1 00% 1 5 0% 2 00% 2 5 0%

9 %

3 1 %

E HHs #REF!

The next pages show the incremental profit when investments and/or insurance are sold into the household.


Total HH RelationshipAll Households


Insurance

Has Only Investment

Service



AD&D


Total Balances $19,780 $105,635 $82,935 $21,400 $21,482 $16,412

Deposit Balances $10,283 $22,813 $26,755 $8,844 $13,280 $9,306

Weighted HH Loans1 $8,216 $25,631 $12,136 $12,556 $8,202 $7,106

Investment Balances $1,282 $57,191 $44,044 -- -- --1 Weighted loans are total loans divided by total households

CEO Average

HHs with Both Investments and Insurance Have The Strongest Relationships at CEO Average

TOTAL HOUSEHOLD RELATIONSHIP

$9.3 $7.1

$13.3 $8.2

$8.8 $12.6

$26.8 $12.1 $44.0

$22.8 $25.6 $57.2

$0 $20 $40 $60 $80 $100 $120

Both Investments andInsurance

HHs with Investments Only

HHS with Insurance Only

Non-Contributory AD&DOnly


Total Deposit Balances Weighted HH Loans Investment Balances

Combining deposits, weighted loans, and investment balances allows us to gauge the overall strength of the relationship of each of these segments to the credit union.

Which of the segments has the strongest overall relationship with the credit union? The chart shows that HHs with Both Investments and Insurance have the largest total balances (combining deposits, loans, and investments).

The overall relationship totals $105,635 in balances for this segment.


Services per Household

All Households


Insurance

Has Only Investment

Service



AD&D


Total Services 2.23 6.89 4.34 3.55 1.92 1.96

Deposit or Loan Services 2.09 4.19 2.83 2.47 1.92 1.96

Deposit Services 1.37 2.36 1.93 1.30 1.22 1.34

Loan Services 0.72 1.84 0.91 1.16 0.70 0.61

Investment Services 0.03 1.55 1.50 -- -- --

Insurance Services 0.11 1.14 -- 1.08 -- --

CEO Average

SERVICES PER HOUSEHOLD

6.89

4.34

3.55

1.92 1.96

BothInvestments

and Insurance

HHs withInvestments

Only



No InvestmentOr Insurance

Serices per household looks at deposit services and loan services. This analysis also looks at the number of investment services used, as well as the number of insurance services used per household.

The correlation between the use of investment and/or insurance services and greater deposit or loan usage is very strong, as the chart and table illustrate.

Essentially, the greater the loyalty of the member, the more likely we are to find investment service usage and insurance service usage.


CEO Average

INVESTMENT SERVICES


% Investment Profit ContributionInvestment Services CEO Average I&I AverageMutual Funds 56.1% 50.4%Stocks and Bonds 3.8% 3.4%Cash Accounts 8.1% 7.3%Annuities 38.2% 34.3%Other Investments 5.1% 4.5%

INVESTMENTS: PROFIT CONTRIBUTION

CEO Average

Mutual Funds51%

Annuities34%

Other Investments5%

Cash Accounts7%

Stocks and Bonds3%

This pie chart illustrates which investment products contribute the most to total investment income.

For CEO Average, Mutual Funds are the largest contributor to total investment income.

Their overall percentage represents 56% of the total investment income.


CEO Average Number of Number of Total Average

Households Accounts Position Position

Mutual Funds 922 3,185 $47,255,663 $42,144Load 747 2,469 $35,314,032 $43,333No Load 91 223 $2,556,373 $31,957Undefined 385 877 $15,277,215 $30,361

Stocks and Bonds 468 1,301 $15,904,902 $29,838Common Stock 480 1,367 $16,107,040 $25,404Preferred Stock 6 10 $117,848 $21,602Corporate Bonds and Notes 23 53 $1,937,447 $65,464Municipal Bonds and Notes 13 30 $854,281 $55,039

Cash Accounts 722 1,117 $4,910,163 $9,271

Annuities 225 696 $16,807,631 $62,363

All Investments1 1,429 6,149 $83,992,020 $45,9161 A limited number of investment accounts, not able to be identified by account type, may not be included in this analysis.

INVESTMENT SERVICE USAGE

CEO Average Has 6,149 Investment Accounts in 1,429 Households

922

3,185

468

1,301722

1,117

225696

Mutual Funds Stocks / Bonds Cash Accounts Annuities

Households Accounts

Investment Product Usage is analyzed in this section. The analysis looks at overall product penetration, balances, and usage by segment, and overall sales gaps.

Annuities, while technically an insurance product, are treated as an investment service in this analysis.

CEO Average has 6,149 investment accounts of various types found in 1,429 households.

These investment accounts generate $84.0 million in investment balances.


CONSUMER SEGMENTS - All HouseholdsGreat Lakes Region

Age and Income 65 +

Great LakesConsumer Segments Age Definition Income Definition % of HouseholdsFee Driven 18 to 44 Less than $50,000 15.7%Credit Driven 18 to 34 $50,000 or more 9.8%Middle Market 35 to 54 $50,000 to $124,999 20.7%Low Income Depositor 45 + Less than $50,000 19.4%Middle Income Depositor 55 + $50,000 to $124,999 16.1%Upscale 35 + $125,000 or more 7.8%Unclassified N/A N/A 10.5%Total 100.0%

Credit Driven

$125,000 or more

$50,000 - $124,999

Less than $50,000 Low Income Depositor

55 - 6418 - 34

Middle Income Depositor

Fee Driven

Middle Market

Upscale

35 - 44 45 - 54

4


All HouseholdsInvestment Households

Investment

Index1Investment Households

Investment

Index2

Fee Driven 7.8% 3.6% 46 3.6% 39

Credit Driven 16.6% 10.4% 63 10.4% 53

Middle Market 27.9% 32.8% 118 32.8% 100

Low Income Depositor 7.3% 8.1% 111 8.1% 94

Mid Income Depositor 14.8% 25.3% 171 25.3% 146

Upscale 10.6% 19.8% 186 19.8% 158

1 Indexed to All Households at the credit union. 100 = Average2 Indexed to All HHs at I&I Average. 100 = Average3 Percents are expressed as a percent of households for which demographics are available

CONSUMER SEGMENTS - INVESTMENT HOUSEHOLDS

Upscale HHs Are Most Likely to Use Investments


Investment Households

46 39 63 53

118

100111

94

171

146

186

158

60

80

100

120

140

160

180

200

Fee Driven Credit Driven MiddleMarket

Low IncomeDepositor

Mid IncomeDepositor

Upscale


100

= A

vera

ge

Pro

pen

sity

to

Use

This page illustrates the Consumer segments of Investment Households at the Credit Union.

The index indicates whether a particular segment is more or less likely to use Investment Services through the credit union.

The segment with the highest propensity to use Investment Services at CEO Average is Upscale households. The Investment Index for this segment is 186.


CEO AverageFee Driven Credit Driven Middle Market

Low Income Depositor

Mid Income Depositor Upscale

Mutual Funds 0.8% 0.9% 1.5% 1.5% 2.2% 1.6%

Stocks and Bonds 0.3% 0.3% 0.5% 0.6% 0.9% 0.7%

Cash Accounts 0.5% 0.6% 0.9% 1.2% 1.6% 1.2%

Annuities 0.1% 0.1% 0.2% 0.7% 1.1% 0.5%

Any Investments 0.1% 0.2% 0.6% 0.2% 0.5% 0.3%

Mutual Funds 53 64 101 106 151 110

Stocks and Bonds 40 45 70 85 132 99

Cash Accounts 50 61 97 121 170 122

Annuities 23 19 63 193 275 121

Any Investments 3 8 25 7 21 14

Mutual Funds 0.0% 0.0% 0.0% 0.0% 0.0% 0.0%

Stocks and Bonds 0.0% 0.0% 0.0% 0.0% 0.0% 0.0%

Cash Accounts 0.0% 0.0% 0.0% 0.0% 0.0% 0.0%

Annuities 0.0% 0.0% 0.0% 0.0% 0.0% 0.0%

Any Investments 0.0% 0.0% 0.0% 0.0% 0.0% 0.0%

(Positive Result Indicates CEO Average Exceeds I&I Average)

INVESTMENT PENETRATION BY CONSUMER SEGMENT

PENETRATION

PROPENSITY (WHICH SEGMENTS YOU ARE CURRENTLY SELLING TO: 100 = Average)

GAP (DIFFERENCE BETWEEN YOU AND I&I AVERAGE)



Mutual Funds 3.6% 3.6%

Stocks and Bonds 3.0% 3.0%

Annuities 3.4% 3.4%

Product Control1

Consumer SegmentsFee Driven Credit Driven Middle Market

Low Income Depositor

Mid Income Depositor Upscale

Mutual Funds 4.3% 2.2% 3.0% 7.4% 3.6% 2.4%

Stocks and Bonds 4.8% 1.5% 1.8% 6.3% 2.3% 1.4%

Annuities 2.6% 1.1% 1.9% 10.7% 5.3% 2.5%1 Product Control is Product Penetration at the Credit Union divided by Product Use Anywhere

CEO Average

Product Control Ratios - All Households

Product Control Ratios Are Comparable at CEO Average

INVESTMENT PRODUCT CONTROL RATIOS

4% 4%

3% 3%

3% 3%

Mutual Funds Stocks and Bonds Annuities


The Product Control Ratio illustrates the estimated percentage of member households who have a particular investment service at any institution who have that same service at CEO Average.

Keep in mind that while a member may have a particular investment service with the credit union, they may also have that same service at another institution as well.

The Product Control Ratio for Mutual Funds is 3.6%. That is, 3.6% of members that use mutual funds have mutual fund balances invested through CEO Average.

The Control Ratio for Stocks and Bonds is 3%.

The control ratio for Annuities at CEO Average is 3%.


INSURANCE SERVICESCEO Average


% Insurance Profit ContributionInsurance Services CEO Average I&I AverageLife Insurance 35% 22%AD&D (Contributory Only) 28% 18%Property Insurance 33% 21%Health Insurance 1% 1%Credit Life Credit Disability (CDCL) 61% 39%Insurance Profit Contribution 159.0% 100.0%

INSURANCE: PROFIT CONTRIBUTION

CEO Average

22%

21%

1%

38%

18%

Life

AD&D

Prop

Helath

CDCL

This pie chart illustrates which insurance products contribute the most to total insurance income.

For CEO Average, Life is the largest contributor to total insurance income.

Their overall percentage represents 35% of the total insurance income.


Insurance HouseholdsAll Households

Insurance Households Insurance Index1

Insurance Households Insurance Index2

Fee Driven 9.2% 8.2% 89 8.2% 105

Credit Driven 19.5% 16.1% 83 16.1% 97

Middle Market 32.8% 33.8% 103 33.8% 121

Low Income Depositor 8.6% 8.6% 101 8.6% 118

Mid Income Depositor 17.4% 20.0% 115 20.0% 135

Upscale 12.5% 13.2% 106 13.2% 124

All Households 100.0% 100.0% 100.0%1 Indexed to All Households at the credit union. 100 = Average 2 Indexed to All HHs at I&I Average. 100 = Average


CONSUMER SEGMENTS - INSURANCE HOUSEHOLDS

Mid Income Depositor HHs Most Likely to Use Insurance Services at CEO Average

89

105

83

97

103

121

101

118115

135

106

124

60

70

80

90

100

110

120

130

140

Fee Driven Credit Driven MiddleMarket

Low IncomeDepositor

Mid IncomeDepositor

Upscale


100

= A

vera

ge

Pro

pen

sity

to

Use

In

sura

nce

This page illustrates the Consumer segmentation of Insurance Households at the Credit Union.

The index indicates whether a particular segment is more or less likely to use Insurance Services through the credit union. 100 = average propensity to use Insurance Services.

The segment with the highest propensity to use Insurance Services at CEO Average is Mid Income Depositor households. The Insurance Index for this segment is 115.


Usage With Any Insurer1

Fee Driven Credit Driven Middle MarketLow Income

DepositorMid Income Depositor Upscale

Life Insurance 37.6% 68.2% 76.9% 56.5% 73.6% 77.5%

Whole Life 27.6% 34.9% 41.7% 39.3% 56.6% 47.5%

Term Life 18.4% 46.4% 52.6% 29.3% 41.3% 52.4%

Variable Life 2.0% 7.9% 9.3% 5.3% 9.6% 11.8%

Property Insurance 72.4% 92.7% 95.2% 82.6% 89.7% 95.7%

Auto 76.9% 93.9% 96.0% 78.1% 91.8% 97.6%

Home 41.8% 69.5% 80.4% 72.3% 90.6% 91.7%

Health Insurance 25.5% 20.6% 25.3% 47.5% 53.5% 37.7%

Disability 9.0% 29.2% 31.7% 10.0% 13.4% 37.7%1 Source: RFG SPSG National Consumer Research, 2001

INSURANCE SERVICE USAGE ANY WHERE

The table displays the usage of various insurance services by the Consumer Segments.

This represents usage with ANY INSURER.

The source of this data is Raddon Financial Group's Strategic Planning Study Group (SPSG). This is national consumer research conducted every six months by RFG through which financial trends and usage patterns are monitored.

Insurance service use anywhere can be compared with insurance service use at the credit union to project share of the insurance wallet and sales potential. This is shown on following pages.


Product Control1Life Insurance

Property Insurance Health Insurance

Disability Insurance

Fee Driven 0.97% 2.44% 0.71% 130.18%

Credit Driven 0.47% 2.20% 0.62% 39.53%

Middle Market 0.76% 2.84% 0.45% 36.53%

Low Income Depositor 2.82% 2.96% 0.84% 107.98%

Mid Income Depositor 1.85% 2.61% 0.63% 88.83%

Upscale 0.77% 2.83% 0.45% 28.62%

Product Control1 Life InsuranceProperty

Insurance Health InsuranceDisability Insurance

Fee Driven 2.0% 3.4% 0.6% 124.6%

Credit Driven 0.5% 1.9% 0.9% 40.1%

Middle Market 0.4% 2.1% 0.5% 36.4%

Low Income Depositor 1.0% 3.3% 0.2% 115.8%

Mid Income Depositor 2.2% 2.7% 0.7% 80.6%

Upscale 1.8% 2.4% 0.9% 31.6%

1 Product Control is Product Penetration at the Credit Union divided by Product Use Anywhere

CEO Average

INSURANCE PRODUCT CONTROL RATIOS

Product Control Ratios Are Comparable at CEO Average

I&I Average

The Product Control Ratio illustrates the estimated percentage of member households who have a particular insurance service anywhere who have that service at CEO Average.

Keep in mind that while a member may have a particular insurance service with the credit union, they may also have that another policy in that same service class with another insurer.

The Product Control Ratio for Life Insurance is 7.6%. That is, 7.6% of members that have a life insurance policy have a policy through CEO Average.

The Control Ratio for Property Insurance is 15.9%. The control ratio for Health Insurance is 3.7%.

Compare your insurance product control ratios by Consumer Segment to the I&I Average.


Life Insurance

P&C / Health Insurance

CDCL Only All Others

Percent of HHs 5.1% 13.2% 64.5% 17.2%Services Per HH 3.65 3.57 4.05 3.19Household Age 46 42 39 50Total Relationship Balances1 $30,803 $25,634 $22,839 $20,394

Average HH Profit $254 $125 $172 $94Loan Profit $153 $105 $218 $112Deposit Profit -$78 -$44 -$94 -$40Investment Profit $25 $7 $3 $6Insurance Profit $154 $58 $44 $16

Percent with Loans 48.4% 50.5% 87.9% 49.1%Weighted HH Loans2 $13,467 $11,275 $15,411 $7,316Loan Margins 4.52% 4.61% 4.90% 5.44%Real Estate Loan Mix 52% 52% 40% 51%

Deposits and Investments $17,336 $14,359 $7,428 $13,078Deposit Balances $11,249 $11,039 $6,554 $12,258Deposit Margins 0.29% 0.04% 0.60% 0.16%Core Mix3 65% 66% 71% 63%Investment Balances $6,086 $3,321 $874 $820Investment Mix4 23% 11% 8% 5%

1 Relationship Balances are Deposit + Loans + Investments2 Weighted HH Loans is Loan Penetration x Average HH Loans3 Core Mix is (Checking + Savings + Traditional MMA) / Total Deposits4 Investment Mix is Investments / (Deposits + Investments)

Household Profile

CEO Average

INSURANCE HOUSEHOLD PROFILE


Contact Information

Bob ShiblaStrategic Consultant

Raddon Financial Group701 E 22nd

Lombard, IL 60148

Office: 800.827.3500 [email protected]


Documents

Driving Relationships, Balances and Profitability T hrough Insurance and Investments