During 2000 Long Term Care sales continued to demonstrate significant growth. Such new growth requires investment in the future. New business expansion costs investment for expenses in sales, commissions, issue costs and reserves. These costs will be recaptured in future years as successive years' premiums provide increased profitability wit the planned financial management. The teacher group disability remains steady in New Jersey and is growing in Pennsylvania.
Teachers is a mutual insurance company - there is no stock.
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