Aux États-Unis, on a fait de la recherche sur des fusions hypothétiques entre banques et compagnies d'assurances; la simulation montre que lorsque l'on réunit des banques et des compagnies d'assurance-vie, on obtient des économies de coût appelées «économies de gamme» ainsi qu'une atténuation du risque de faillite.
There has been some research done in the United States, using hypothetical mergers of banks and insurance companies, operating companies that were hypothetically merged through a simulation, that shows that if you bring banks and life insurance companies together, there will be some cost savings through what are called ``economies of scope'' and there will also be a reduction of bankruptcy risk.