Is It Safe? Travelers Offers No Risk, No Reward

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For a video on Travelers featuring Jim Cramer, click here.

Travelers(TRV Quote) received word this week that it will join the select group of 30 companies in the Dow Jones Industrial Average as the property and casualty insurer's one-time parent, Citigroup(C Quote), exits.

While Travelers is a financial company, it has more in common with American International Group(AIG Quote), which was removed last year. So it's really a swap of insurers. ...