All insurance policyholders who pay by monthly direct debit must have a credit agreement.

The vast majority of its 12 million general insurance policyholders are companies.

The fund managers and other agents for the end-investors - pension fund members and insurance policyholders - are too weak, too timid and too focused on the short term.

Institutions never meet the millions of pension fund members and insurance policyholders whose money they manage.

For example, a partner whose primary clients are insurance policyholders would generally be unable to take most of his book of business to a firm that represents insurers.