Sales representatives shared those profit estimates with doctors and their staffs, the documents show.
The company said it was confident it would reach those profit levels but "at slightly later dates".
Mr. Dyson said that smaller operators, especially, could not lower roaming rates because of what it costs them to connect calls using the networks of larger operators, whose rates are driven by those profit demands.
He explained that some mutual fund companies were secretly allowing big hedge fund investors to execute the rapid-fire trades required to exploit those profit opportunities, in violation of the funds' own rules and their public filings with the S.E.C.
"We clearly see an increase in the overall costs of the business, and we're moving to address those profit issues," said Frederick Cripe, the senior executive for pricing at Allstate.
But those profit figures do not include capital gains and losses, and some capital losses seem inevitable given that American Capital is lending to companies that have trouble finding alternative financing.
