interest rates are likely to decrease when large amounts of money are available for loans

smaller insurance companies are not able to amass enough money to take advantage of investing at high interest rates

insurance companies can sell many more insurance policies if they charge lower premiums than they would if they left premiums unchanged

an increase in the number of policies sold eventually leads to an increase in the number of claims that an insurance company has to pay

the number of claims that insurance companies pay increases at a higher rate than does the number of policies that the insurance companies can sell at the lower premiums