Opinions on Marsh & McLennan Companies Inc. and Brown & Brown Inc. -- The Long Walk in the Desert for Insurance Brokers

   www.stockcall.com/ offers investors comprehensive research on the insurance brokers industry and has completed analytical research on 

Marsh & McLennan Companies Inc.

(NYSE: MMC) and 

Brown & Brown Inc.

(NYSE: BRO). Register with us today at www.stockcall.com/ to have free access to these researches.

The insurance sector saw its rates fall 5.2% in the third quarter this year. While this is better than the 6.3% drop in Q2, the trend of shrinking rates has become all too familiar to the insurance market. With a decline every quarter since 2004, the sector is struggling due to a decrease in policies required in an environment with high levels of unemployment. Surplus capacity and a high level of competition are cohering to create a soft market. There is no expectation of a recovery until a broader shift in the economy helps reduce unemployment levels. Recently, unemployment has remained mostly steady, but still quite high.

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Another major issue within the sector is the regulation in the works concerning Medical Loss Ratios. The new healthcare reform law stipulates an MLR of 80% for individual and small business plans and 85% for large groups. This is bad for brokers as commissions are grouped into the administrative side of the ratio. While the National Associated of Insurance Commissioners has created a sub-committee to work on getting some costs reclassified into the healthcare column, including brokerage commissions, the Obama administration's clear delineation of cost makes it unclear whether any attempts will be successful. If commissions remain under the administrative blanket, they will most likely diminish as companies work to satisfy the MLR requirements. Register now at https://stockcall.com/development/stockcall/page.php?name=register.html to have free access to our reports on the insurance brokers industry.

On the earnings timetable for this quarter, Marsh & McLennan Companies Inc. will be releasing its earnings on November 9th. Investors looking for free research on Marsh & McLennan Companies Inc. are welcome to sign up at www.stockcall.com/MMC251010.pdf.

Already posted are the results for insurance broker firm Brown & Brown Inc. which indicated that the company made earnings of $0.31 per share on revenue of $247.6 million. Investors looking for free research on Brown & Brown Inc. are welcome to sign up at www.stockcall.com/BRO251010.pdf.

Visit www.stockcall.com/ to see how companies in this industry have grown over the past years and how they are expected to perform in the future.

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