Improved business results through integration of risk and core insurance processes and the alignment of processes and systems.

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Previously the company axed higher-risk auto insurance, ditched most non-North American insurance business and converted employee-agents into independent contractors responsible for their own benefits.

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Although it agreed to sell the business far below its valuation on the books, KB Financial's non-executive directors opposed the deal, citing an "unclear outlook for the domestic life-insurance business, the need for tighter risk management, " and a high price.

WSJ: Potential Buyers Emerge for ING's Korean Life Arm

Under the bill, Medicare cuts would force hospitals to operate more efficiently or risk going out of business, insurance companies would face new federal regulations, and the health care industry would be hit by new taxes.

NPR: House Democrats Trumpet Health Bill Cost Estimate

Insurance brands are in the business of clearly defining and then pricing risk.

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Many prudent small business employers manage this risk by buying Employment Practices Liability (EPL) Insurance, which can cover legal fees and liability for employment claims.

FORBES: The Top 5 Steps Small Businesses Should Take To Minimize Their Risk Of An Employee Lawsuit