As expected, the figures for the month of Jan and February are pretty much low which has many puckering their lips as the first quarter earnings reports await release. The industry is suffering greatly as more and more people that are hit by the financial crisis tend to put off their policies for now. The current economic outlook also has lower applications and sales of policies in the health insurance avenue of their businesses in North America and Canada alike. Another effect on the industry is that the many commercial policies that are getting lower and lower in terms of figures as employers trim down their ranks to lower costs. The many lay-off’s we are seeing is having more than an impact on the housing industry for how can a family get insurance if they don’t even have a home to live in?