Enterprise Counterparties Mortgage Insurers

| February 16, 2018

article image
Fannie Mae and Freddie Mac (the Enterprises) operate under congressional charters to provide liquidity, stability, and affordability to the mortgage market. Those charters, which have been amended from time to time, authorize the Enterprises to purchase residential mortgages and codify an affirmative obligation to facilitate the financing of affordable housing for low and moderate-income families. Pursuant to their charters, the Enterprises may purchase single-family residential mortgages with loan-to-value (LTV) ratios above 80%, provided that these mortgages are supported by one of several credit enhancements identified in their charters. A credit enhancement is a method or tool to reduce the risk of extending credit to a borrower; mortgage insurance is one such method.

Spotlight

Thai Life Insurance Public Company Limited

Thai Life Insurance Plc is first life insurance Company built by Thai people intended to provide financial security and stability for Thai families which was established over 75 years ago. With the solid financial standing and has its 10,500 million baht registered capital which is the largest in Thai life insurance industry. Thai Life Insurance drive the company by focused on people and has set thoughts and attitudes for personnel by Care, Compassion, Trustworthiness

OTHER ARTICLES

The economy is slowing down: what does it mean for insurance companies?

Article | April 21, 2020

Since 2010, as countries waded out of the recession of 2008, they enjoyed economic growth. Coupled with technological innovation, the global economy really got a boost. But, mirroring Nature’s cycles, it seems it is now time to hit a plateau and slow down. In this article, we explore why the slowdown could be happening and more importantly, what it means for us in the insurance industry.

Read More

What’s Driving Innovation and Transformation in Insurance?

Article | April 21, 2020

According to Gartner analyst Kimberly Harris-Ferrante, in the report Innovation Insight for Artificial Intelligence in Life and P&C Insurance*, “Adoption and maturity of AI are increasing among insurance early adopters as they test new use cases and technologies. Insurance CIOs can benefit from greater awareness of AI fundamental use cases and the impact of AI to help guide innovation.” At Shift, we couldn’t agree more.

Read More

8 Types of Business Insurance Your Company Should Consider Having

Article | April 21, 2020

Financial losses from a product defect, data breach, serious illness or work-related automobile accident can force business owners to close their doors if they're not prepared. The cost of an unexpected event can be substantial. Hiscox quotes a 2014 study of small business owners, saying the average cost to defend and settle an employee lawsuit was $160,000. Employment litigation is just one type of risk your small business may face.

Read More

The role of AI in enhancing claims experience for Insurance customers

Article | April 21, 2020

Insurance customers are most vulnerable when they file a claim. Be it life or general insurance, claims are filed in distress. This is also a critical moment for Insurers. The claims experience they deliver determines customer loyalty, which also influences referral customers in the long run. In the Insurance industry, where products and pricing among the competitors are almost the same, customer experience becomes the main differentiator.

Read More

Spotlight

Thai Life Insurance Public Company Limited

Thai Life Insurance Plc is first life insurance Company built by Thai people intended to provide financial security and stability for Thai families which was established over 75 years ago. With the solid financial standing and has its 10,500 million baht registered capital which is the largest in Thai life insurance industry. Thai Life Insurance drive the company by focused on people and has set thoughts and attitudes for personnel by Care, Compassion, Trustworthiness

Events