| 31. | The remaining portion gets invested funds of policyholder's choice.
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| 32. | Clearly there was a communication gap between the company and the policyholders,
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| 33. | Policyholders at 20th Century will have to wait for rebates.
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| 34. | It destroys the goodwill between the agent and the policyholder.
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| 35. | Policyholders who took out loans received very generous treatment in that case,
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| 36. | Many policyholders, however, cannot get even a fraction of that.
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| 37. | Those increases typically are then passed along to policyholders through higher premiums.
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| 38. | We have an obligation to our policyholders to remain solvent.
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| 39. | The company said policyholders will have a chance to raise any concerns.
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| 40. | But Adkins says the demutualization plan is unfair and risky to policyholders.
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