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Monday, 02/06/2012 1:27:08 AM

Monday, February 06, 2012 1:27:08 AM

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Selective Insurance Group, Inc. is a holding company for insurance subsidiaries, which offers property and casualty insurance products and services in the Eastern and Midwestern regions of the United States. It operates in two segments: Insurance Operations, which sells property and casualty insurance policies and products, and Investments, which invests the premiums collected by the Insurance Operations. It derives its income in three ways: underwriting income from Insurance Operations, net investment income from Investments, and net realized gains and losses on investment securities from the Investments segment.

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Never, invest with money you need to survive. Diversify, patience, set tight stops. $20 or less in commission fees is almost always cheaper than a 5-40%+ drop in share value.

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