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This risk of contagion increases withdrawal rates at all privately-insured institutions, contributing to liquidity crises, and can have broad ramifications for the economy.” The 80s were an interesting time for private insurers.There was deregulation of banking services, and deposit insurance coverage limits increased from ,000 to 0,000.

Doesn't it give anyone pause that this is the last private insurer that exists? The Guarantee Association was created by the legislature to serve as a safety net for residents should their life or health insurer fail.The more things changed, the more there would be a need for a new name. The big news that year though, was the passage of the Federal Deposit Insurance Corporation Improvement Act (FDICIA).For the first time, private share insurance got some respect.This leads to geographic and concentration risk." Critics also claimed that private insurers did not satisfy the public policy goal of maintaining confidence and stability in the financial system and economy.According to the report, “history shows when private insurers fail, depositors at other privately insured institutions, even if those institutions are healthy, lose confidence in their institutions as news of the failures spread.

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