Cramer added Lincoln National (LNC), Hartford (HIG), Prudential (PRU) and Principal Financial (PFG) to the list of companies that investors shouldn’t invest in. Cramer explained he’s worried about the life insurance companies after reading a recent research report from Goldman Sachs. The report said these companies have been losing money on commercial real estate investments and now are trying to raise capital in the toughest of credit markets. Cramer said the insurers might have problems paying the variable annuities they were so aggressive in selling. He said the companies are at risk of ratings downgrades which will make it hard to raise the capital they need. Cramer said these companies could also get hurt by a proposed plan from President-elect Obama to allow people to pull up to $10,000 form IRAs and 401ks without penalty. Chat and share ideas with the best small cap traders LIVE each day free at Stocknetworkonline.com