Using insurance capital in banks

Banking and Finance DLC for Capitalism Lab
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Max
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Posts: 24
Joined: Mon Nov 20, 2023 10:47 pm

Using insurance capital in banks

Post by Max »

Is there a good way to have capital raised by insurance go automatically into a bank?

As far as I can tell, there are 4 main ways to get money out of an insurance firm and into your bank. You can have the bank be in a seperate company and have the insurance buy shares from it and recive dividands. This would good automatic approach, but the bank itself requires player input. It can't easily get the money its holding out of itself and into the company that holds it.

You can always just transfer money to shuffle mony around, but there isn't a good way to return it. This is very tedious.

You could have the insurance company be seperate and get a deposit/savings account, but you need to manually transfer the money out of the insurance HQ and into your savinga account, and vice versa.

Or you can have the bank company issue bonds that your insurance company can buy. But this suffers from the same issue as stocks, that being, you manually need to transfer money ina nd out of these institutions.

The trouble with all of these is that they are hardly automatic, because even when they reach their target loans, meet all their requirements, and just start accruing money, Banks don't give out cash to the company that holds them.

Is there some scheme I'm missing that would make money from insurance flow into the bank, and the returns would flow back to cover their investment with minimum player input?
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