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Municipal Bankruptcy Fears Drive INSCOR-s Growth

BALTIMORE, MD — (Marketwired) — 11/14/13 — Goldman Small Cap Research, a stock market research firm focused on the small cap and micro-cap sectors, notes that the town of Desert Hot Springs, California is on the verge of a bankruptcy filing after a new finance director discovered a $3 million shortfall in its budget of $13.5 million. This is not music to the ears of its citizens or its creditors but it is a story not unfamiliar to the senior management of INSCOR, Inc. (OTC Pink: IOGA).

As is the case with municipalities such as Detroit, San Bernardino, Stockton, and many others, unmanageable and unreasonable pension costs/obligations are the culprits. Nationwide, these unfunded retiree health care and Other Post-Employment Benefits (OPEB) figures total an estimated $1.5 trillion in unfunded liabilities.

While it may be too late for most of these other cities to utilize the INSCOR initiatives, a number of cities and towns that are on the edge of their own financial issues have finally become proactive and are seeking alternatives such as the INSCOR program in order to stave off a fiscal crisis.

Cities that still have an opportunity to stem the OPEB bleeding in its tracks can engage in the solution used by Fortune 500 companies and offered by INSCOR that is tailored toward the 67,000 governmental and agency markets in the U.S. The INSCOR “FIT” (Financed Insurance Trust) combines the procurement of specifically-designed life insurance on active employees using funds borrowed from the financial sector, or bond issuance, and secured by the insurance policies themselves. This method generates substantial cash flow to fund these OPEB liabilities at reduced costs to the municipalities.

As a result, a FIT OPEB plan can provide a cash stream to support each year-s OPEB obligations, and fund future OPEB liabilities with fewer spending increases, tax increases, or reduction in benefits. Plus, with interest rates at historical lows, some municipalities can benefit from very low initial costs.

With few options, let alone low-cost alternatives to the problem available, INSCOR appears poised to leverage the current panic and effect real change in government financial management, thus generating significant revenue for itself. In fact, investors may begin to see the fruit of the Company-s marketing efforts in this segment via new contracts, beginning early next year. Clearly, new business would have a significant and positive impact on these shares. In anticipation of these wins, and with the backdrop of additional municipal fiscal crisis stories, we expect investors will bid these shares up ahead of potentially favorable news.

This press release contains excerpts of our most recently published article on INSCOR. To view all of our sponsored INSCOR reports, updates, articles, disclosures and disclaimers, or to download the article in its entirety, please visit .

Led by former Piper Jaffray analyst and mutual fund manager Rob Goldman, Goldman Small Cap Research produces sponsored and non-sponsored small cap and micro cap stock research reports, articles, daily stock market blogs, and popular investment newsletters. Goldman Small Cap Research is not in any way affiliated with Goldman Sachs & Co.

A Goldman Small Cap Research report, update, newsletter, or article is not intended as an offering, recommendation, or a solicitation of an offer to buy or sell the securities mentioned or discussed. The aforementioned article is the opinion of Goldman Small Cap Research and was written based upon publicly available information and analyst due diligence. Please read all associated full disclosures, disclaimers, and analyst background on our website before investing. Neither Goldman Small Cap Research nor its parent is a registered investment adviser or broker-dealer with FINRA or any other agency. To download our research, view our disclosures, or for more information, visit .

(OTC PINK – IOGA): INSCOR, Inc. specializes in educating and marketing the FIT OPEB plan to municipalities and corporations as a low-cost solution to funding retiree and other employee benefits. A FIT plan variation also works for affluent individuals, entertainers and professional athletes — whether for estate planning or funding cash flow needs. INSCOR-s “FIT” (Financed Insurance Trust) strategy uses a combination of favorable financing terms, innovative uses of specific life insurance products and trusts — all of which result in minimum levels of out-of-pocket costs for producing significant future funding and revenue stream opportunities. For more information visit:

Goldman Small Cap Research
Rob Goldman

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Posted by on Nov 14 2013. Filed under Venture Capital. You can follow any responses to this entry through the RSS 2.0. You can leave a response or trackback to this entry

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