THE IMPLICATIONS OF OWNERSHIP STRUCTURE OF INSURANCE COMPANIES ON POLICY HOLDERS PATRONAGE
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Abstract
This study is titled the implications of ownership structure of insurance companies on policy holders patronage. I looked into the problem that often associates with ownership structure of insurance companies in Nigeria like lack of fund for expansion in order to carryout its day to day activities, bad records of some past insurance companies in Nigeria, the background of the company and lack of governments total supervision over the companies. I equally looked into the objectives of the study which include identifying the effect of each ownership structure and its implication on the policyholder and also identifying the possible solution in tackling the effects of policyholder’s patronage to private indigenous companies. Through the literature review, it should be noticed that work has been done on the classification of insurance business in Nigeria, the development of insurance industry, indigenization policy, decrees, basic principles of insurance and their effects on the insurance industry. prospects of adequate management of insurance companies is also highlighted. The research so far done which relates to this work has been carried out without consideration for the understanding of ordinary investors who have no knowledge of the legal aspect of ownership in an insurance industry. I equally looked into the research methodology which includes sources of data collection. The sources include primary sources and oral interview. It further looked at research instrument used and validity of the instrument. I also looked at summary of findings which include findings and discussion of findings. furthermore, I looked at the conclusions, recommendations and suggestion for further studies. This project tends to review the structure of ownership of insurance companies in the country and analyze its implications on policyholder – (customers) patronage, this will centre on the attitude of owners towards maintaining good insurance customer’s relationship, and how the policy holder claims and pays premiums.
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