Core Insights - Aflac Incorporated (NYSE:AFL) is recognized as one of the 15 Best Boring Dividend Stocks to Buy, highlighting its stable investment appeal [1] - Morgan Stanley has raised its price target for Aflac from $113 to $118 while maintaining an Equal Weight rating, indicating a cautious but positive outlook on the stock [2] - Aflac announced a 5% increase in its quarterly dividend to $0.61 per share, marking the 43rd consecutive year of dividend increases, showcasing its strong underwriting discipline and financial health [3][4] Financial Performance - The company has reduced its share count by approximately 38% over the past decade through substantial capital allocation to buybacks [3] - Aflac's dividend payout ratio is under 33% of projected 2025 earnings, suggesting room for continued dividend growth [4] - Analysts project Aflac's earnings to grow at about 5% annually in the coming years, supporting its dividend strategy [4] Management Commentary - Aflac's CEO, Daniel P. Amos, emphasized the importance of maintaining strong capital ratios while balancing financial strength with tactical capital deployment [4]

Core Insights - Chubb Limited (NYSE:CB) is recognized as one of the 15 Best Boring Dividend Stocks to Buy [1] - Morgan Stanley raised its price target for Chubb to $300 from $295, indicating a stable outlook despite a softening property and casualty market [2] - Chubb's insurance operations are resilient against economic downturns, with a combined ratio of 86.6%, significantly better than the industry average of 96.6% [3] Dividend and Shareholder Returns - Chubb announced a quarterly dividend of $0.97 per share, maintaining consistency with previous payouts, and has increased its dividend for 32 consecutive years [4] - In Q3 2025, Chubb returned $1.62 billion to shareholders, which included $1.23 billion in share repurchases at an average price of $277.67 per share and $385 million in dividends [4] Company Overview - Chubb operates as a global insurer, providing a wide range of commercial and personal property and casualty coverage, as well as accident, health, and life insurance [5]

■邢萌 近日，东北证券、中航基金、山东国信等金融机构相继宣布撤销监事会。事实上，今年以来，"监事会 退场"现象涉及银行、保险、券商、基金、信托等各类金融机构，引发市场持续关注。 此次金融机构内部治理转型，源于2024年7月份正式施行的新公司法。新公司法明确规定，公司可选择 由董事会下的审计委员会行使监事会职权，不再强制要求设立监事会，为治理架构优化提供了根本法律 遵循。在此框架下，国家金融监督管理总局、证监会相继出台配套政策，支持金融机构选择审计委员会 作为内部监督主体。 审计委员会取代监事会，还有利于解决旧有治理模式下的监督职能重叠问题。过去，二者在财务监督、 内部控制、风险管控等方面职能高度交叉，导致权责不清、资源内耗，既推高了治理成本，也削弱了监 督实效与决策效率。 从现实情况看，这一替代是提升治理效能的必然选择。具体而言：在人员构成上，监事会常因内部人员 主导而独立性不足，审计委员会则多由具备财会、风控背景的独立董事构成，专业性与独立性更强；在 组织结构上，监事会因与董事会平行而处于决策流程之外，监督易流于表面，审计委员会则内嵌于董事 会，能提前介入重大决策审议，从源头强化风险控制；在监督效能上，监事 ...

"三大新引擎"轰鸣，将重塑中心城区发展格局 当前，福田区正奋力打造河套深港科技创新合作区、香蜜湖新金融中心、环中心公园活力圈"三大新引 擎"。 全球目光将再次聚焦深圳，一场共享机遇、共创未来的盛事即将启幕。12月5日，2025深圳全球招商大 会将在深圳会展中心（福田）举办。 作为深圳的中心城区，福田区将借2025深圳全球招商大会契机，向全球企业发出邀请：来福田，与未来 同频！翻开福田的"成长日记"，辖区总面积78.66平方公里，2024年创造了5948.82亿元的GDP，地均 GDP、税收均居全国全省前列。福田用实力诠释了何为"寸土寸金"，更用行动证明了"小空间"能迸发 出"大能量"。 深圳河畔，一片仅3.89平方公里的土地上，前沿科创实践正在上演。作为《粤港澳大湾区发展规划纲 要》中唯一以科技创新为主题的特色平台，河套深港科技创新合作区以"一河两岸、一区两园"的独特格 局，成为深港协同创新的"超级连接器"。 总部企业高度集聚。121家市级总部企业扎根于此，本土世界500强企业3家，世界500强企业中有三分之 一在福田设立区域总部或者分支机构。此外，拥有159栋纳税超亿元楼宇，数量位居全国各商务区第 一，彰显 ...

Avalanche: Start with clearing your most substantial debt, then, once it’s settled, use the windfall to aggressively pay down any smaller debts.Snowball: Knock off your smaller debts one at a time to build up momentum — and income — to put towards your biggest debt.Reducing debt, especially consumer debt, could be a great way to secure yourself financially. In 2024, there were 494,201 personal bankruptcy filings in the U.S. — over 60,000 more than the previous year, according to Debt.org (5). Two general st ...

本次论坛聚焦"十五五"时期的中国金融改革与发展，围绕未来五年甚至更长一段时期的金融改革与发展 问题开展研讨，就如何深化校金合作、培养高素质金融人才进行头脑风暴，主题鲜明，内容丰富。 作为本次论坛的协办单位，惠州市证券期货业协会会长、兴业证券惠州分公司总经理黄珂表示，今天的 论坛在高校举办，别具意义。金融业的竞争，归根结底是人才的竞争。惠州市证券期货业协会也长期与 学院保持密切合作，通过实习基地共建、行业导师授课等形式，推动产学研深度融合，共同探索"订单 式"培养、课题共研等模式，为行业储备更多适应未来金融变革的复合型人才。 采写： 南都N视频记者 杨振华 金融活，经济活。金融稳，经济稳。11月29日，阳光明媚，惠州金融高管论坛（2025）在惠州学院举 行，来自惠州金融界的20多位高管与惠州学院师生欢聚一堂，共话"十五五"时期的中国金融改革与发 展。 惠州学院副校长魏晓慧介绍，该院经济管理学院自2024年6月与惠州金融机构共建惠州金融教育示范基 地以来，双方坚持资源共享、优势互补、合作共赢，形成了行长每月一讲、金融高管论坛、投资者教 育、金融教育志愿服务、反洗钱揭秘课程共建、金融研究与培训"六位一体"的全方位合 ...

Core Viewpoint - Allegations have emerged regarding coordinated actions by Banca Monte dei Paschi di Siena's CEO and two major investors to gain control over Mediobanca and Assicurazioni Generali, raising concerns about market manipulation and lack of transparency in the acquisition process [1][2][5]. Group 1: Allegations and Investigations - Milan prosecutors are investigating a multiyear strategy by billionaire Francesco Gaetano Caltagirone and Delfin Sarl's Chairman Francesco Milleri to take control of Mediobanca, aiming ultimately to control Generali, Italy's largest insurer [2][5]. - The investigation focuses on alleged market manipulation and obstruction of regulators related to Monte Paschi's acquisition of Mediobanca, with no charges filed against the individuals or companies involved as of now [5][12]. - Prosecutors claim that the concealed coordination among the parties allowed them to avoid mandatory cash takeover bids once their combined stake exceeded 25% in Mediobanca [6][10]. Group 2: Stakeholder Positions - Delfin and Caltagirone have been significant shareholders in both Mediobanca and Generali since at least 2016, with Mediobanca holding a 13.2% stake in Generali, while Delfin and Caltagirone own 10.1% and 6.3% respectively [8][9]. - Delfin holds a 17.5% stake in Monte Paschi, and Caltagirone has a 10.3% stake, making them among the largest shareholders in the bank [9]. Group 3: Acquisition Details - Monte Paschi completed a €17 billion ($19.7 billion) acquisition of Mediobanca in September, creating Italy's third-largest lender by assets [4]. - The strategy culminated in November 2024 when Italy's Treasury sold a 15% stake in Monte Paschi, allegedly favoring buyers aligned with the Mediobanca takeover plan [11][12]. - The sale process reportedly excluded other interested investors, raising concerns about potential conflicts of interest due to the Treasury's dual role as seller and supporter of Monte Paschi's offer [12].

Company Overview - Neptune Insurance Holdings Inc. (NYSE:NP) specializes in residential and commercial flood insurance and parametric earthquake coverage through a network of agencies [2] - The company reported Q3 earnings on November 12, posting a GAAP EPS of $0.06 and revenue of $44.4 million, which represents a 31% year-over-year increase, beating estimates by $1.62 million [2] Financial Performance - Revenue increased by $44.4 million, reflecting a 31% growth compared to the previous year [2] - Net income decreased by 5%, primarily due to IPO expenses [2] Market Sentiment - Jim Cramer highlighted Neptune Insurance in a recent discussion, indicating intrigue in the stock and noting its appeal to younger investors [1] - Cramer recommended Chubb as the only insurance company he would endorse, but acknowledged Neptune's positive momentum with a recent 5% increase in stock price [1]

The author has an honours degree in economics and politics with a focus on economic development. With 36 years of experience in executive management he has extensive knowledge of insurance/reinsurance, Global and Asia Pacific markets, climate change and ESG. He invests in his personal capacity.Analyst’s Disclosure:I/we have a beneficial long position in the shares of MFC:CA either through stock ownership, options, or other derivatives. I wrote this article myself, and it expresses my own opinions. I am not ...

Core Insights - Medicare Advantage plans are increasingly popular among seniors due to attractive perks like dental coverage and gym memberships, but many enrollees do not utilize these benefits [1][6][7] Enrollment Trends - Approximately 34.4 million individuals are enrolled in Medicare Advantage plans, representing about 54% of all eligible Medicare beneficiaries, a significant increase from 32% a decade ago [6] - The growth in enrollment is largely driven by the appealing additional benefits offered by private insurance companies [6][8] Benefit Utilization - A study from the Commonwealth Fund indicates that while 80% of enrollees consider supplemental benefits important, 30% reported not using any benefits in the past year [4] - Less than half of the enrollees utilized dental, vision, or gym membership benefits, and fewer than 10% took advantage of benefits like hearing aids or meal delivery [5] Awareness and Communication - Many enrollees are unaware of the benefits available to them or how to access them, with about 25% indicating a lack of knowledge regarding their plan's offerings [9] - Notifications about unused benefits could enhance awareness and utilization among Medicare Advantage enrollees [10] Financial Aspects - Medicare Advantage insurers receive approximately $86 billion from the federal government to provide these supplemental benefits, a significant increase from $21 billion in 2018 [8]