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The public debate on insurer ownership form has centered on greater access to capital. An empirical analysis of insurer financial variables for a sample of insurers found that demutualizing insurers has significantly higher ratios of surplus to assets than other nondemutualizing insurers. Additionally, it was found that mutual insurers had higher ratios of surplus to assets than stock insurers in 1997. These findings support the proposition that reasons other than access to capital likely play an important role in some changes in life insurer ownership form.