26 CFR 1.801-4 - Life insurance reserves.

Code of Federal Regulations, 2011 CFR

2011-04-01

... 26 Internal Revenue 8 2011-04-01 2011-04-01 false Life insurance reserves. 1.801-4 Section 1.801-4...) INCOME TAXES (CONTINUED) Life Insurance Companies § 1.801-4 Life insurance reserves. (a) Life insurance reserves defined. For purposes of part I, subchapter L, chapter 1 of the Code, the term life insurance...

26 CFR 1.801-4 - Life insurance reserves.

Code of Federal Regulations, 2010 CFR

2010-04-01

... 26 Internal Revenue 8 2010-04-01 2010-04-01 false Life insurance reserves. 1.801-4 Section 1.801-4...) INCOME TAXES Life Insurance Companies § 1.801-4 Life insurance reserves. (a) Life insurance reserves defined. For purposes of part I, subchapter L, chapter 1 of the Code, the term life insurance reserves (as...

Life Insurance Basics: A Self-Help Workbook for Consumers.

ERIC Educational Resources Information Center

Saskatchewan Consumer and Commercial Affairs, Regina.

This booklet provides consumers with an overview of information about life insurance. Chapter 1, "Why Life Insurance?" outlines the primary purposes of life insurance coverage and presents basic facts about the Canadian life insurance industry. Chapter 2, "Do I Need Life Insurance?" discusses life insurance coverage at specific…

76 FR 71624 - Agency Information Collection (Claim for Disability Insurance Benefits, Government Life Insurance...

Federal Register 2010, 2011, 2012, 2013, 2014

2011-11-18

... for Disability Insurance Benefits, Government Life Insurance) Activity Under OMB Review AGENCY... INFORMATION: Title: Claim for Disability Insurance Benefits, Government Life Insurance, VA Form 29-357. OMB...: Policyholders complete VA Form 29-357 to file a claim for disability insurance on National Service Life...

5 CFR 870.301 - Eligibility for life insurance.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 5 Administrative Personnel 2 2011-01-01 2011-01-01 false Eligibility for life insurance. 870.301... REGULATIONS (CONTINUED) FEDERAL EMPLOYEES' GROUP LIFE INSURANCE PROGRAM Eligibility § 870.301 Eligibility for life insurance. (a) Each nonexcluded employee is automatically insured for Basic insurance unless he...

5 CFR 870.301 - Eligibility for life insurance.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 5 Administrative Personnel 2 2010-01-01 2010-01-01 false Eligibility for life insurance. 870.301... REGULATIONS (CONTINUED) FEDERAL EMPLOYEES' GROUP LIFE INSURANCE PROGRAM Eligibility § 870.301 Eligibility for life insurance. (a) Each nonexcluded employee is automatically insured for Basic insurance unless he...

5 CFR 870.301 - Eligibility for life insurance.

Code of Federal Regulations, 2013 CFR

2013-01-01

... 5 Administrative Personnel 2 2013-01-01 2013-01-01 false Eligibility for life insurance. 870.301... REGULATIONS (CONTINUED) FEDERAL EMPLOYEES' GROUP LIFE INSURANCE PROGRAM Eligibility § 870.301 Eligibility for life insurance. (a) Each nonexcluded employee is automatically insured for Basic insurance unless he...

5 CFR 870.301 - Eligibility for life insurance.

Code of Federal Regulations, 2014 CFR

2014-01-01

... 5 Administrative Personnel 2 2014-01-01 2014-01-01 false Eligibility for life insurance. 870.301... REGULATIONS (CONTINUED) FEDERAL EMPLOYEES' GROUP LIFE INSURANCE PROGRAM Eligibility § 870.301 Eligibility for life insurance. (a) Each nonexcluded employee is automatically insured for Basic insurance unless he...

5 CFR 870.301 - Eligibility for life insurance.

Code of Federal Regulations, 2012 CFR

2012-01-01

... 5 Administrative Personnel 2 2012-01-01 2012-01-01 false Eligibility for life insurance. 870.301... REGULATIONS (CONTINUED) FEDERAL EMPLOYEES' GROUP LIFE INSURANCE PROGRAM Eligibility § 870.301 Eligibility for life insurance. (a) Each nonexcluded employee is automatically insured for Basic insurance unless he...

26 CFR 1.803-1 - Life insurance reserves.

Code of Federal Regulations, 2011 CFR

2011-04-01

... 26 Internal Revenue 8 2011-04-01 2011-04-01 false Life insurance reserves. 1.803-1 Section 1.803-1...) INCOME TAXES (CONTINUED) Life Insurance Companies § 1.803-1 Life insurance reserves. (a) The term “life... life insurance, are held to supplement the future premium receipts when the latter, alone, are...

41 CFR 60-741.25 - Health insurance, life insurance and other benefit plans.

Code of Federal Regulations, 2010 CFR

2010-07-01

... 41 Public Contracts and Property Management 1 2010-07-01 2010-07-01 true Health insurance, life insurance and other benefit plans. 60-741.25 Section 60-741.25 Public Contracts and Property Management... Health insurance, life insurance and other benefit plans. (a) An insurer, hospital, or medical service...

26 CFR 1.803-1 - Life insurance reserves.

Code of Federal Regulations, 2010 CFR

2010-04-01

... 26 Internal Revenue 8 2010-04-01 2010-04-01 false Life insurance reserves. 1.803-1 Section 1.803-1...) INCOME TAXES Life Insurance Companies § 1.803-1 Life insurance reserves. (a) The term “life insurance reserves” is defined in section 803(b). Generally, such reserves, as in the case of level premium life...

41 CFR 60-300.25 - Health insurance, life insurance and other benefit plans.

Code of Federal Regulations, 2010 CFR

2010-07-01

... 41 Public Contracts and Property Management 1 2010-07-01 2010-07-01 true Health insurance, life... VETERANS, AND ARMED FORCES SERVICE MEDAL VETERANS Discrimination Prohibited § 60-300.25 Health insurance, life insurance and other benefit plans. (a) An insurer, hospital, or medical service company, health...

41 CFR 60-250.25 - Health insurance, life insurance and other benefit plans.

Code of Federal Regulations, 2010 CFR

2010-07-01

... 41 Public Contracts and Property Management 1 2010-07-01 2010-07-01 true Health insurance, life... SEPARATED VETERANS, AND OTHER PROTECTED VETERANS Discrimination Prohibited § 60-250.25 Health insurance, life insurance and other benefit plans. (a) An insurer, hospital, or medical service company, health...

Gender differences in predictors of late-life health insurance knowledge.

PubMed

Jacobs-Lawson, Joy M; Schumacher, Mitzi M; Webb, Alicia

2007-01-01

For many older adults having access to affordable health care is a major concern. The present study's goal was to examine what factors were related to individuals' knowledge of late-life health insurance. A total of 131 women and 116 men (all aged 55-71) answered questions about private, Medicare, Medigap, and long-term care insurances. In addition, they answered demographic, personality, and health status questions. Results revealed that different factors are related to men's and women's knowledge of late-life health insurance options implying genderspecific educational interventions would be more effective than current educational interventions.

32 CFR 552.67 - Life insurance policy content.

Code of Federal Regulations, 2013 CFR

2013-07-01

... 32 National Defense 3 2013-07-01 2013-07-01 false Life insurance policy content. 552.67 Section... Reservations § 552.67 Life insurance policy content. Insurance policies offered and sold on Army installations... premium based on the length of time the policy has been in force. (f) Variable life insurance policies may...

32 CFR 552.67 - Life insurance policy content.

Code of Federal Regulations, 2014 CFR

2014-07-01

... 32 National Defense 3 2014-07-01 2014-07-01 false Life insurance policy content. 552.67 Section... Reservations § 552.67 Life insurance policy content. Insurance policies offered and sold on Army installations... premium based on the length of time the policy has been in force. (f) Variable life insurance policies may...

32 CFR 552.67 - Life insurance policy content.

Code of Federal Regulations, 2010 CFR

2010-07-01

... 32 National Defense 3 2010-07-01 2010-07-01 true Life insurance policy content. 552.67 Section 552... Reservations § 552.67 Life insurance policy content. Insurance policies offered and sold on Army installations... premium based on the length of time the policy has been in force. (f) Variable life insurance policies may...

32 CFR 552.67 - Life insurance policy content.

Code of Federal Regulations, 2011 CFR

2011-07-01

... 32 National Defense 3 2011-07-01 2009-07-01 true Life insurance policy content. 552.67 Section 552... Reservations § 552.67 Life insurance policy content. Insurance policies offered and sold on Army installations... premium based on the length of time the policy has been in force. (f) Variable life insurance policies may...

32 CFR 552.67 - Life insurance policy content.

Code of Federal Regulations, 2012 CFR

2012-07-01

... 32 National Defense 3 2012-07-01 2009-07-01 true Life insurance policy content. 552.67 Section 552... Reservations § 552.67 Life insurance policy content. Insurance policies offered and sold on Army installations... premium based on the length of time the policy has been in force. (f) Variable life insurance policies may...

77 FR 54621 - Pruco Life Insurance Company, et al;

Federal Register 2010, 2011, 2012, 2013, 2014

2012-09-05

... SECURITIES AND EXCHANGE COMMISSION [Release No. IC-30186; File No. 812-13990] Pruco Life Insurance.... Applicants: Pruco Life Insurance Company (``Pruco Life''), Pruco Life Flexible Premium Variable Annuity Account (``Pruco Life Variable Annuity Account''), Pruco Life Insurance Company of New Jersey (``Pruco...

5 CFR 870.706 - Reinstatement of life insurance.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 5 Administrative Personnel 2 2010-01-01 2010-01-01 false Reinstatement of life insurance. 870.706... REGULATIONS (CONTINUED) FEDERAL EMPLOYEES' GROUP LIFE INSURANCE PROGRAM Annuitants and Compensationers § 870.706 Reinstatement of life insurance. (a) An annuitant whose disability annuity terminates because he...

5 CFR 870.706 - Reinstatement of life insurance.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 5 Administrative Personnel 2 2011-01-01 2011-01-01 false Reinstatement of life insurance. 870.706... REGULATIONS (CONTINUED) FEDERAL EMPLOYEES' GROUP LIFE INSURANCE PROGRAM Annuitants and Compensationers § 870.706 Reinstatement of life insurance. (a) An annuitant whose disability annuity terminates because he...

5 CFR 870.706 - Reinstatement of life insurance.

Code of Federal Regulations, 2013 CFR

2013-01-01

... 5 Administrative Personnel 2 2013-01-01 2013-01-01 false Reinstatement of life insurance. 870.706... REGULATIONS (CONTINUED) FEDERAL EMPLOYEES' GROUP LIFE INSURANCE PROGRAM Annuitants and Compensationers § 870.706 Reinstatement of life insurance. (a) An annuitant whose disability annuity terminates because he...

5 CFR 870.706 - Reinstatement of life insurance.

Code of Federal Regulations, 2012 CFR

2012-01-01

... 5 Administrative Personnel 2 2012-01-01 2012-01-01 false Reinstatement of life insurance. 870.706... REGULATIONS (CONTINUED) FEDERAL EMPLOYEES' GROUP LIFE INSURANCE PROGRAM Annuitants and Compensationers § 870.706 Reinstatement of life insurance. (a) An annuitant whose disability annuity terminates because he...

5 CFR 870.706 - Reinstatement of life insurance.

Code of Federal Regulations, 2014 CFR

2014-01-01

... 5 Administrative Personnel 2 2014-01-01 2014-01-01 false Reinstatement of life insurance. 870.706... REGULATIONS (CONTINUED) FEDERAL EMPLOYEES' GROUP LIFE INSURANCE PROGRAM Annuitants and Compensationers § 870.706 Reinstatement of life insurance. (a) An annuitant whose disability annuity terminates because he...

26 CFR 1.802-4 - Life insurance company taxable income.

Code of Federal Regulations, 2010 CFR

2010-04-01

... 26 Internal Revenue 8 2010-04-01 2010-04-01 false Life insurance company taxable income. 1.802-4... TAX (CONTINUED) INCOME TAXES Life Insurance Companies § 1.802-4 Life insurance company taxable income. (a) Life insurance company taxable income defined. Section 802(b) defines the term life insurance...

20 CFR 416.1230 - Exclusion of life insurance.

Code of Federal Regulations, 2011 CFR

2011-04-01

... 20 Employees' Benefits 2 2011-04-01 2011-04-01 false Exclusion of life insurance. 416.1230 Section..., BLIND, AND DISABLED Resources and Exclusions § 416.1230 Exclusion of life insurance. (a) General. In determining the resources of an individual (and spouse, if any), life insurance owned by the individual (and...

20 CFR 416.1230 - Exclusion of life insurance.

Code of Federal Regulations, 2010 CFR

2010-04-01

... 20 Employees' Benefits 2 2010-04-01 2010-04-01 false Exclusion of life insurance. 416.1230 Section..., BLIND, AND DISABLED Resources and Exclusions § 416.1230 Exclusion of life insurance. (a) General. In determining the resources of an individual (and spouse, if any), life insurance owned by the individual (and...

20 CFR 416.1230 - Exclusion of life insurance.

Code of Federal Regulations, 2012 CFR

2012-04-01

... 20 Employees' Benefits 2 2012-04-01 2012-04-01 false Exclusion of life insurance. 416.1230 Section..., BLIND, AND DISABLED Resources and Exclusions § 416.1230 Exclusion of life insurance. (a) General. In determining the resources of an individual (and spouse, if any), life insurance owned by the individual (and...

20 CFR 416.1230 - Exclusion of life insurance.

Code of Federal Regulations, 2014 CFR

2014-04-01

... 20 Employees' Benefits 2 2014-04-01 2014-04-01 false Exclusion of life insurance. 416.1230 Section..., BLIND, AND DISABLED Resources and Exclusions § 416.1230 Exclusion of life insurance. (a) General. In determining the resources of an individual (and spouse, if any), life insurance owned by the individual (and...

20 CFR 416.1230 - Exclusion of life insurance.

Code of Federal Regulations, 2013 CFR

2013-04-01

... 20 Employees' Benefits 2 2013-04-01 2013-04-01 false Exclusion of life insurance. 416.1230 Section..., BLIND, AND DISABLED Resources and Exclusions § 416.1230 Exclusion of life insurance. (a) General. In determining the resources of an individual (and spouse, if any), life insurance owned by the individual (and...

46 CFR 308.104 - Additional war risk insurance.

Code of Federal Regulations, 2012 CFR

2012-10-01

... 46 Shipping 8 2012-10-01 2012-10-01 false Additional war risk insurance. 308.104 Section 308.104 Shipping MARITIME ADMINISTRATION, DEPARTMENT OF TRANSPORTATION EMERGENCY OPERATIONS WAR RISK INSURANCE War Risk Hull and Disbursements Insurance § 308.104 Additional war risk insurance. Owners or charterers may...

46 CFR 308.104 - Additional war risk insurance.

Code of Federal Regulations, 2010 CFR

2010-10-01

... 46 Shipping 8 2010-10-01 2010-10-01 false Additional war risk insurance. 308.104 Section 308.104 Shipping MARITIME ADMINISTRATION, DEPARTMENT OF TRANSPORTATION EMERGENCY OPERATIONS WAR RISK INSURANCE War Risk Hull and Disbursements Insurance § 308.104 Additional war risk insurance. Owners or charterers may...

46 CFR 308.104 - Additional war risk insurance.

Code of Federal Regulations, 2014 CFR

2014-10-01

... 46 Shipping 8 2014-10-01 2014-10-01 false Additional war risk insurance. 308.104 Section 308.104 Shipping MARITIME ADMINISTRATION, DEPARTMENT OF TRANSPORTATION EMERGENCY OPERATIONS WAR RISK INSURANCE War Risk Hull and Disbursements Insurance § 308.104 Additional war risk insurance. Owners or charterers may...

46 CFR 308.104 - Additional war risk insurance.

Code of Federal Regulations, 2011 CFR

2011-10-01

... 46 Shipping 8 2011-10-01 2011-10-01 false Additional war risk insurance. 308.104 Section 308.104 Shipping MARITIME ADMINISTRATION, DEPARTMENT OF TRANSPORTATION EMERGENCY OPERATIONS WAR RISK INSURANCE War Risk Hull and Disbursements Insurance § 308.104 Additional war risk insurance. Owners or charterers may...

46 CFR 308.104 - Additional war risk insurance.

Code of Federal Regulations, 2013 CFR

2013-10-01

... 46 Shipping 8 2013-10-01 2013-10-01 false Additional war risk insurance. 308.104 Section 308.104 Shipping MARITIME ADMINISTRATION, DEPARTMENT OF TRANSPORTATION EMERGENCY OPERATIONS WAR RISK INSURANCE War Risk Hull and Disbursements Insurance § 308.104 Additional war risk insurance. Owners or charterers may...

26 CFR 1.819-2 - Foreign life insurance companies.

Code of Federal Regulations, 2010 CFR

2010-04-01

... 26 Internal Revenue 8 2010-04-01 2010-04-01 false Foreign life insurance companies. 1.819-2... TAX (CONTINUED) INCOME TAXES Miscellaneous Provisions § 1.819-2 Foreign life insurance companies. (a) Carrying on United States insurance business. Section 819(a) provides that a foreign life insurance company...

26 CFR 1.819-2 - Foreign life insurance companies.

Code of Federal Regulations, 2013 CFR

2013-04-01

... 26 Internal Revenue 8 2013-04-01 2013-04-01 false Foreign life insurance companies. 1.819-2... companies. (a) Carrying on United States insurance business. Section 819(a) provides that a foreign life insurance company carrying on a life insurance business within the United States, if with respect to its...

26 CFR 1.819-2 - Foreign life insurance companies.

Code of Federal Regulations, 2012 CFR

2012-04-01

... 26 Internal Revenue 8 2012-04-01 2012-04-01 false Foreign life insurance companies. 1.819-2... companies. (a) Carrying on United States insurance business. Section 819(a) provides that a foreign life insurance company carrying on a life insurance business within the United States, if with respect to its...

26 CFR 1.819-2 - Foreign life insurance companies.

Code of Federal Regulations, 2014 CFR

2014-04-01

... 26 Internal Revenue 8 2014-04-01 2014-04-01 false Foreign life insurance companies. 1.819-2... companies. (a) Carrying on United States insurance business. Section 819(a) provides that a foreign life insurance company carrying on a life insurance business within the United States, if with respect to its...

26 CFR 1.802-4 - Life insurance company taxable income.

Code of Federal Regulations, 2013 CFR

2013-04-01

... 26 Internal Revenue 8 2013-04-01 2013-04-01 false Life insurance company taxable income. 1.802-4... TAX (CONTINUED) INCOME TAXES (CONTINUED) Life Insurance Companies § 1.802-4 Life insurance company taxable income. (a) Life insurance company taxable income defined. Section 802(b) defines the term life...

26 CFR 1.802-4 - Life insurance company taxable income.

Code of Federal Regulations, 2012 CFR

2012-04-01

... 26 Internal Revenue 8 2012-04-01 2012-04-01 false Life insurance company taxable income. 1.802-4... TAX (CONTINUED) INCOME TAXES (CONTINUED) Life Insurance Companies § 1.802-4 Life insurance company taxable income. (a) Life insurance company taxable income defined. Section 802(b) defines the term life...

26 CFR 1.802-4 - Life insurance company taxable income.

Code of Federal Regulations, 2014 CFR

2014-04-01

... 26 Internal Revenue 8 2014-04-01 2014-04-01 false Life insurance company taxable income. 1.802-4... TAX (CONTINUED) INCOME TAXES (CONTINUED) Life Insurance Companies § 1.802-4 Life insurance company taxable income. (a) Life insurance company taxable income defined. Section 802(b) defines the term life...

26 CFR 1.802-4 - Life insurance company taxable income.

Code of Federal Regulations, 2011 CFR

2011-04-01

... 26 Internal Revenue 8 2011-04-01 2011-04-01 false Life insurance company taxable income. 1.802-4... TAX (CONTINUED) INCOME TAXES (CONTINUED) Life Insurance Companies § 1.802-4 Life insurance company taxable income. (a) Life insurance company taxable income defined. Section 802(b) defines the term life...

75 FR 60833 - Jackson National Life Insurance Company, et al.;

Federal Register 2010, 2011, 2012, 2013, 2014

2010-10-01

...] Jackson National Life Insurance Company, et al.; Notice of Application September 27, 2010. AGENCY... National Life Insurance Company (``Jackson''), Jackson National Life Insurance Company of New York... Companies and serve as the underlying investment vehicles for the variable life insurance contracts and...

12 CFR 2.3 - Distribution of credit life insurance income.

Code of Federal Regulations, 2014 CFR

2014-01-01

... 12 Banks and Banking 1 2014-01-01 2014-01-01 false Distribution of credit life insurance income. 2... CREDIT LIFE INSURANCE § 2.3 Distribution of credit life insurance income. (a) Distribution of credit life... percent), who is involved in the sale of credit life insurance to loan customers of the national bank, to...

78 FR 65393 - Ameritas Life Insurance Corp., et al; Notice of Application

Federal Register 2010, 2011, 2012, 2013, 2014

2013-10-31

... SECURITIES AND EXCHANGE COMMISSION [Release No. 30764; File No. 812-14189] Ameritas Life Insurance...: Ameritas Life Insurance Corp., Ameritas Life Insurance Corp. of New York, The Union Central Life Insurance Company (each, a ``Life Insurance Company'' and, collectively, the ``Life Insurance Companies''), and...

75 FR 66806 - Nationwide Life Insurance Company, et al.,

Federal Register 2010, 2011, 2012, 2013, 2014

2010-10-29

...] Nationwide Life Insurance Company, et al., Notice of Application October 25, 2010. AGENCY: Securities and... exemption pursuant to Section 17(b) of the Act from Section 17(a) of the Act. Applicants: Nationwide Life Insurance Company (``NWL''), Nationwide Life and Annuity Insurance Company (``NLAIC'') (together with NWL...

26 CFR 1.819-2 - Foreign life insurance companies.

Code of Federal Regulations, 2011 CFR

2011-04-01

... 26 Internal Revenue 8 2011-04-01 2011-04-01 false Foreign life insurance companies. 1.819-2... TAX (CONTINUED) INCOME TAXES (CONTINUED) Miscellaneous Provisions § 1.819-2 Foreign life insurance companies. (a) Carrying on United States insurance business. Section 819(a) provides that a foreign life...

77 FR 70374 - Servicemembers' Group Life Insurance-Stillborn Child Coverage

Federal Register 2010, 2011, 2012, 2013, 2014

2012-11-26

... DEPARTMENT OF VETERANS AFFAIRS 38 CFR Part 9 RIN 2900-AO30 Servicemembers' Group Life Insurance... rule amends the Department of Veterans Affairs (VA) Servicemembers' Group Life Insurance (SGLI... life insurance, if an insured mother dies prior to the stillborn or seconds after giving birth to a...

26 CFR 20.2042-1 - Proceeds of life insurance.

Code of Federal Regulations, 2010 CFR

2010-04-01

... 26 Internal Revenue 14 2010-04-01 2010-04-01 false Proceeds of life insurance. 20.2042-1 Section... Proceeds of life insurance. (a) In general. (1) Section 2042 provides for the inclusion in a decedent's gross estate of the proceeds of insurance on the decedent's life (i) receivable by or for the benefit of...

26 CFR 20.2042-1 - Proceeds of life insurance.

Code of Federal Regulations, 2012 CFR

2012-04-01

... 26 Internal Revenue 14 2012-04-01 2012-04-01 false Proceeds of life insurance. 20.2042-1 Section... Proceeds of life insurance. (a) In general. (1) Section 2042 provides for the inclusion in a decedent's gross estate of the proceeds of insurance on the decedent's life (i) receivable by or for the benefit of...

26 CFR 20.2042-1 - Proceeds of life insurance.

Code of Federal Regulations, 2013 CFR

2013-04-01

... 26 Internal Revenue 14 2013-04-01 2013-04-01 false Proceeds of life insurance. 20.2042-1 Section... Proceeds of life insurance. (a) In general. (1) Section 2042 provides for the inclusion in a decedent's gross estate of the proceeds of insurance on the decedent's life (i) receivable by or for the benefit of...

26 CFR 1.79-1 - Group-term life insurance-general rules.

Code of Federal Regulations, 2010 CFR

2010-04-01

... 26 Internal Revenue 2 2010-04-01 2010-04-01 false Group-term life insurance-general rules. 1.79-1...-term life insurance—general rules. (a) What is group-term life insurance? Life insurance is not group-term life insurance for purposes of section 79 unless it meets the following conditions: (1) It...

26 CFR 1.79-1 - Group-term life insurance-general rules.

Code of Federal Regulations, 2012 CFR

2012-04-01

... 26 Internal Revenue 2 2012-04-01 2012-04-01 false Group-term life insurance-general rules. 1.79-1...-term life insurance—general rules. (a) What is group-term life insurance? Life insurance is not group-term life insurance for purposes of section 79 unless it meets the following conditions: (1) It...

26 CFR 1.79-1 - Group-term life insurance-general rules.

Code of Federal Regulations, 2013 CFR

2013-04-01

... 26 Internal Revenue 2 2013-04-01 2013-04-01 false Group-term life insurance-general rules. 1.79-1...-term life insurance—general rules. (a) What is group-term life insurance? Life insurance is not group-term life insurance for purposes of section 79 unless it meets the following conditions: (1) It...

26 CFR 20.2042-1 - Proceeds of life insurance.

Code of Federal Regulations, 2011 CFR

2011-04-01

... 26 Internal Revenue 14 2011-04-01 2010-04-01 true Proceeds of life insurance. 20.2042-1 Section 20... Proceeds of life insurance. (a) In general. (1) Section 2042 provides for the inclusion in a decedent's gross estate of the proceeds of insurance on the decedent's life (i) receivable by or for the benefit of...

26 CFR 20.2042-1 - Proceeds of life insurance.

Code of Federal Regulations, 2014 CFR

2014-04-01

... 26 Internal Revenue 14 2014-04-01 2013-04-01 true Proceeds of life insurance. 20.2042-1 Section 20... Proceeds of life insurance. (a) In general. (1) Section 2042 provides for the inclusion in a decedent's gross estate of the proceeds of insurance on the decedent's life (i) receivable by or for the benefit of...

76 FR 20727 - National Life Insurance Company, et al.

Federal Register 2010, 2011, 2012, 2013, 2014

2011-04-13

... SECURITIES AND EXCHANGE COMMISSION [Release No. IC-29627; File No. 812-13806] National Life... ``1940 Act''). Applicants: National Life Insurance Company (``NLIC''), National Variable Annuity Account II (``Annuity Account''), National Variable Life Insurance Account (``Life Account'', and together...

The Status of Group Life Insurance Plans.

ERIC Educational Resources Information Center

Cook, Thomas J.

1981-01-01

Information on provisions of group life insurance plans and the tendency of colleges and universities to provide this coverage is considered. There has been an increase in the percentage of institutions adopting group life insurance plans over the last decade. Absence of coverage is concentrated among smaller two-year and four-year institutions…

78 FR 54691 - American General Life Insurance Company, et al.

Federal Register 2010, 2011, 2012, 2013, 2014

2013-09-05

... Life Insurance Company, et al. August 29, 2013, AGENCY: The Securities and Exchange Commission... 27(i)(2)(A) of the Act and Rule 22c-1 thereunder. Applicants: American General Life Insurance Company (``American General''), The United States Life Insurance Company in the City of New York (``US Life'') (each...

76 FR 19150 - Jackson National Life Insurance Company, et al.

Federal Register 2010, 2011, 2012, 2013, 2014

2011-04-06

... Life Insurance Company, et al. March 31, 2011. AGENCY: The Securities and Exchange Commission...: Jackson National Life Insurance Company (``Jackson''), Jackson National Separate Account--I (the ``JNL Separate Account''), Jackson National Life Insurance Company of New York (``JNLNY'') and collectively with...

26 CFR 1.802-3 - Tax imposed on life insurance companies.

Code of Federal Regulations, 2010 CFR

2010-04-01

... 26 Internal Revenue 8 2010-04-01 2010-04-01 false Tax imposed on life insurance companies. 1.802-3... TAX (CONTINUED) INCOME TAXES Life Insurance Companies § 1.802-3 Tax imposed on life insurance... tax on the life insurance company taxable income (as defined in section 802(b) and paragraph (a) of...

77 FR 4734 - Servicemembers' Group Life Insurance-Stillborn Child Coverage

Federal Register 2010, 2011, 2012, 2013, 2014

2012-01-31

... DEPARTMENT OF VETERANS AFFAIRS 38 CFR Part 9 RIN 2900-AO30 Servicemembers' Group Life Insurance... Department of Veterans Affairs (VA) proposes to amend its Servicemembers' Group Life Insurance (SGLI... to ``RIN 2900-AO30--Servicemembers' Group Life Insurance--Stillborn Child Coverage.'' Copies of...

A diagnosis of eosinophilic esophagitis is associated with increased life insurance premiums.

PubMed

Leiman, D A; Kochar, B; Posner, S; Fan, C; Patel, A; Shaheen, O; Keller, C Y; Koutlas, N T; Eluri, S; Dellon, E S

2018-05-24

Eosinophilic esophagitis (EoE) is a chronic disease that can be diagnosed at any age, but is not associated with malignancy and does not shorten lifespan. It remains unknown whether an EoE diagnosis affects insurability or insurance premium costs. We therefore aimed to determine whether a diagnosis of EoE affects the costs of life insurance. Our investigation was a secret shopper audit study whereby we contacted national insurance companies in the United States to evaluate the effect of a diagnosis of EoE on life insurance premiums. We constructed standardized case scenarios for males and females, including a 25-year-old and a 48-year-old without other comorbid conditions, who either had or did not have a diagnosis of EoE. Companies were asked for their best estimate for a $100,000 whole life insurance policy. Comparisons between median premiums were made using the Mann-Whitney U test. There were 20 national life insurance companies contacted and a total of 73 quotes were obtained. The median premium rate was similar for EoE and non-EoE cases at the younger age ($828 [IQR $576-1,020] vs. $756 [IQR $504-$804]; P = 0.10). However, the premium for the older case without EoE was 19% less expensive compared to a case with EoE ($1990 [IQR $1,248-2,350] vs. $2,375 [IQR $2,100-2568; P = 0.02]. This finding was not explained by sex or state of residence. Based on these findings, we conclude that life insurance premiums are significantly more expensive in the older patient case with EoE when compared to the same case without EoE. Patients with EoE and their providers should be aware of the additional cost associated with this diagnosis.

26 CFR 1.802(b)-1 - Tax on life insurance companies.

Code of Federal Regulations, 2010 CFR

2010-04-01

... 26 Internal Revenue 8 2010-04-01 2010-04-01 false Tax on life insurance companies. 1.802(b)-1...) INCOME TAX (CONTINUED) INCOME TAXES Life Insurance Companies § 1.802(b)-1 Tax on life insurance companies... August 16, 1954, section 802(b) imposes a tax on the 1954 life insurance company taxable income of all...

Life cycle responses to health insurance status.

PubMed

Pelgrin, Florian; St-Amour, Pascal

2016-09-01

This paper studies the lifetime effects of exogenous changes in health insurance coverage (e.g. Medicare, PPACA, termination of employer-provided plans) on the dynamic optimal allocation (consumption, leisure, health expenditures), status (health and wealth), and welfare. We solve, simulate, and structurally estimate a parsimonious life cycle model with endogenous exposure to morbidity and mortality risks, and exogenous health insurance. By varying coverage, we identify the marginal effects of insurance when young and/or when old on allocations, statuses, and welfare. Our results highlight positive effects of insurance on health, wealth and welfare, as well as mid-life substitution away from healthy leisure in favor of more health expenses, caused by peaking wages, and accelerating health issues. Copyright © 2016 Elsevier B.V. All rights reserved.

41 CFR 60-250.25 - Health insurance, life insurance and other benefit plans.

Code of Federal Regulations, 2011 CFR

2011-07-01

... 41 Public Contracts and Property Management 1 2011-07-01 2009-07-01 true Health insurance, life insurance and other benefit plans. 60-250.25 Section 60-250.25 Public Contracts and Property Management... SEPARATED VETERANS, AND OTHER PROTECTED VETERANS Discrimination Prohibited § 60-250.25 Health insurance...

41 CFR 60-250.25 - Health insurance, life insurance and other benefit plans.

Code of Federal Regulations, 2013 CFR

2013-07-01

... 41 Public Contracts and Property Management 1 2013-07-01 2013-07-01 false Health insurance, life insurance and other benefit plans. 60-250.25 Section 60-250.25 Public Contracts and Property Management... SEPARATED VETERANS, AND OTHER PROTECTED VETERANS Discrimination Prohibited § 60-250.25 Health insurance...

41 CFR 60-250.25 - Health insurance, life insurance and other benefit plans.

Code of Federal Regulations, 2012 CFR

2012-07-01

... 41 Public Contracts and Property Management 1 2012-07-01 2009-07-01 true Health insurance, life insurance and other benefit plans. 60-250.25 Section 60-250.25 Public Contracts and Property Management... SEPARATED VETERANS, AND OTHER PROTECTED VETERANS Discrimination Prohibited § 60-250.25 Health insurance...

32 CFR Appendix A to Part 50 - Life Insurance Products and Securities

Code of Federal Regulations, 2011 CFR

2011-07-01

... 32 National Defense 1 2011-07-01 2011-07-01 false Life Insurance Products and Securities A... Part 50—Life Insurance Products and Securities A. Life Insurance Product Content Prerequisites... and cost of government subsidized Servicemen's Group Life Insurance. 2. The address and phone number...

32 CFR Appendix A to Part 50 - Life Insurance Products and Securities

Code of Federal Regulations, 2010 CFR

2010-07-01

... 32 National Defense 1 2010-07-01 2010-07-01 false Life Insurance Products and Securities A... Part 50—Life Insurance Products and Securities A. Life Insurance Product Content Prerequisites... and cost of government subsidized Servicemen's Group Life Insurance. 2. The address and phone number...

Life and health insurance industry investments in fast food.

PubMed

Mohan, Arun V; McCormick, Danny; Woolhandler, Steffie; Himmelstein, David U; Boyd, J Wesley

2010-06-01

Previous research on health and life insurers' financial investments has highlighted the tension between profit maximization and the public good. We ascertained health and life insurance firms' holdings in the fast food industry, an industry that is increasingly understood to negatively impact public health. Insurers own $1.88 billion of stock in the 5 leading fast food companies. We argue that insurers ought to be held to a higher standard of corporate responsibility, and we offer potential solutions.

Life and Health Insurance Industry Investments in Fast Food

PubMed Central

McCormick, Danny; Woolhandler, Steffie; Himmelstein, David U.; Boyd, J. Wesley

2010-01-01

Previous research on health and life insurers' financial investments has highlighted the tension between profit maximization and the public good. We ascertained health and life insurance firms' holdings in the fast food industry, an industry that is increasingly understood to negatively impact public health. Insurers own $1.88 billion of stock in the 5 leading fast food companies. We argue that insurers ought to be held to a higher standard of corporate responsibility, and we offer potential solutions. PMID:20395572

76 FR 56504 - Proposed Information Collection (Claim for Disability Insurance Benefits, Government Life...

Federal Register 2010, 2011, 2012, 2013, 2014

2011-09-13

... for Disability Insurance Benefits, Government Life Insurance) Activity: Comment Request. AGENCY... for Disability Insurance Benefits, Government Life Insurance, VA Form 29-357. OMB Control Number: 2900... VA Form 29-357 to file a claim for disability insurance on National Service Life Insurance and United...

26 CFR 1.802(b)-1 - Tax on life insurance companies.

Code of Federal Regulations, 2011 CFR

2011-04-01

... 26 Internal Revenue 8 2011-04-01 2011-04-01 false Tax on life insurance companies. 1.802(b)-1...) INCOME TAX (CONTINUED) INCOME TAXES (CONTINUED) Life Insurance Companies § 1.802(b)-1 Tax on life..., and ending after August 16, 1954, section 802(b) imposes a tax on the 1954 life insurance company...

26 CFR 1.802-3 - Tax imposed on life insurance companies.

Code of Federal Regulations, 2011 CFR

2011-04-01

... 26 Internal Revenue 8 2011-04-01 2011-04-01 false Tax imposed on life insurance companies. 1.802-3... TAX (CONTINUED) INCOME TAXES (CONTINUED) Life Insurance Companies § 1.802-3 Tax imposed on life...) imposes a tax on the life insurance company taxable income (as defined in section 802(b) and paragraph (a...

77 FR 9708 - Pacific Life Insurance Company, et al.; Notice of Application

Federal Register 2010, 2011, 2012, 2013, 2014

2012-02-17

...] Pacific Life Insurance Company, et al.; Notice of Application February 13, 2012. AGENCY: Securities and...: Pacific Life Insurance Company (``Pacific Life''), Pacific Life & Annuity Company (``PL&A,'' and collectively with Pacific Life and any insurance company controlling, controlled by, or under common control...

18 CFR 367.4262 - Account 426.2, Life insurance.

Code of Federal Regulations, 2011 CFR

2011-04-01

... 18 Conservation of Power and Water Resources 1 2011-04-01 2011-04-01 false Account 426.2, Life... ACT Income Statement Chart of Accounts Service Company Operating Income § 367.4262 Account 426.2, Life insurance. This account must include all payments for life insurance of officers and employees where the...

18 CFR 367.4262 - Account 426.2, Life insurance.

Code of Federal Regulations, 2010 CFR

2010-04-01

... 18 Conservation of Power and Water Resources 1 2010-04-01 2010-04-01 false Account 426.2, Life... ACT Income Statement Chart of Accounts Service Company Operating Income § 367.4262 Account 426.2, Life insurance. This account must include all payments for life insurance of officers and employees where the...

18 CFR 367.4262 - Account 426.2, Life insurance.

Code of Federal Regulations, 2013 CFR

2013-04-01

... 18 Conservation of Power and Water Resources 1 2013-04-01 2013-04-01 false Account 426.2, Life... ACT Income Statement Chart of Accounts Service Company Operating Income § 367.4262 Account 426.2, Life insurance. This account must include all payments for life insurance of officers and employees where the...

18 CFR 367.4262 - Account 426.2, Life insurance.

Code of Federal Regulations, 2012 CFR

2012-04-01

... 18 Conservation of Power and Water Resources 1 2012-04-01 2012-04-01 false Account 426.2, Life... ACT Income Statement Chart of Accounts Service Company Operating Income § 367.4262 Account 426.2, Life insurance. This account must include all payments for life insurance of officers and employees where the...

18 CFR 367.4262 - Account 426.2, Life insurance.

Code of Federal Regulations, 2014 CFR

2014-04-01

... 18 Conservation of Power and Water Resources 1 2014-04-01 2014-04-01 false Account 426.2, Life... ACT Income Statement Chart of Accounts Service Company Operating Income § 367.4262 Account 426.2, Life insurance. This account must include all payments for life insurance of officers and employees where the...

78 FR 38413 - American Family Life Insurance Company, et al.

Federal Register 2010, 2011, 2012, 2013, 2014

2013-06-26

...] American Family Life Insurance Company, et al. June 20, 2013. AGENCY: Securities and Exchange Commission...: American Family Life Insurance Company (the ``Company''), American Family Variable Account I (the ``Life... Products Fund (``Fidelity Fund''), currently held by the Life Account and the Annuity Account (each an...

77 FR 3842 - Proposed Information Collection (Conversion from Servicemembers' Group Life Insurance to Veterans...

Federal Register 2010, 2011, 2012, 2013, 2014

2012-01-25

... (Conversion from Servicemembers' Group Life Insurance to Veterans' Group Life Insurance); Comment Request... members with disabilities are informed about their life insurance option, including converting from Servicemembers' Group Life Insurance to Veterans' Group Life Insurance. DATES: Written comments and...

5 CFR 352.309 - Retirement, health benefits, and group life insurance.

Code of Federal Regulations, 2011 CFR

2011-01-01

... life insurance. 352.309 Section 352.309 Administrative Personnel OFFICE OF PERSONNEL MANAGEMENT CIVIL... Organizations § 352.309 Retirement, health benefits, and group life insurance. (a) Agency action. An employee... entitled to retain coverage for retirement, health benefits, and group life insurance purposes if he or she...

32 CFR Appendix B to Part 50 - Overseas Life Insurance Registration Program

Code of Federal Regulations, 2010 CFR

2010-07-01

... 32 National Defense 1 2010-07-01 2010-07-01 false Overseas Life Insurance Registration Program B... Part 50—Overseas Life Insurance Registration Program A. Registration Criteria 1. Initial Registration a. Insurers must demonstrate continuous successful operation in the life insurance business for a period of...

32 CFR Appendix B to Part 50 - Overseas Life Insurance Registration Program

Code of Federal Regulations, 2011 CFR

2011-07-01

... 32 National Defense 1 2011-07-01 2011-07-01 false Overseas Life Insurance Registration Program B... Part 50—Overseas Life Insurance Registration Program A. Registration Criteria 1. Initial Registration a. Insurers must demonstrate continuous successful operation in the life insurance business for a period of...

5 CFR 352.309 - Retirement, health benefits, and group life insurance.

Code of Federal Regulations, 2010 CFR

2010-01-01

... Organizations § 352.309 Retirement, health benefits, and group life insurance. (a) Agency action. An employee... entitled to retain coverage for retirement, health benefits, and group life insurance purposes if he or she... he or she wishes to retain coverage under the retirement, health benefits, and group life insurance...

48 CFR 552.228-5 - Government as Additional Insured.

Code of Federal Regulations, 2010 CFR

2010-10-01

... 48 Federal Acquisition Regulations System 4 2010-10-01 2010-10-01 false Government as Additional....228-5 Government as Additional Insured. As prescribed in 528.310, insert the following clause: Government as Additional Insured (MAY 2009) (a) This clause supplements the requirements set forth in FAR...

26 CFR 31.3401(a)(14)-1 - Group-term life insurance.

Code of Federal Regulations, 2010 CFR

2010-04-01

... 26 Internal Revenue 15 2010-04-01 2010-04-01 false Group-term life insurance. 31.3401(a)(14)-1... SOURCE Collection of Income Tax at Source § 31.3401(a)(14)-1 Group-term life insurance. (a) The cost of group-term life insurance on the life of an employee is excepted from wages, and hence is not subject to...

26 CFR 31.3401(a)(14)-1 - Group-term life insurance.

Code of Federal Regulations, 2011 CFR

2011-04-01

... 26 Internal Revenue 15 2011-04-01 2011-04-01 false Group-term life insurance. 31.3401(a)(14)-1... SOURCE Collection of Income Tax at Source § 31.3401(a)(14)-1 Group-term life insurance. (a) The cost of group-term life insurance on the life of an employee is excepted from wages, and hence is not subject to...

26 CFR 31.3401(a)(14)-1 - Group-term life insurance.

Code of Federal Regulations, 2012 CFR

2012-04-01

... 26 Internal Revenue 15 2012-04-01 2012-04-01 false Group-term life insurance. 31.3401(a)(14)-1... SOURCE Collection of Income Tax at Source § 31.3401(a)(14)-1 Group-term life insurance. (a) The cost of group-term life insurance on the life of an employee is excepted from wages, and hence is not subject to...

26 CFR 31.3401(a)(14)-1 - Group-term life insurance.

Code of Federal Regulations, 2014 CFR

2014-04-01

... 26 Internal Revenue 15 2014-04-01 2014-04-01 false Group-term life insurance. 31.3401(a)(14)-1... SOURCE Collection of Income Tax at Source § 31.3401(a)(14)-1 Group-term life insurance. (a) The cost of group-term life insurance on the life of an employee is excepted from wages, and hence is not subject to...

26 CFR 31.3401(a)(14)-1 - Group-term life insurance.

Code of Federal Regulations, 2013 CFR

2013-04-01

... 26 Internal Revenue 15 2013-04-01 2013-04-01 false Group-term life insurance. 31.3401(a)(14)-1... SOURCE Collection of Income Tax at Source § 31.3401(a)(14)-1 Group-term life insurance. (a) The cost of group-term life insurance on the life of an employee is excepted from wages, and hence is not subject to...

78 FR 75581 - Minnesota Life Insurance Company, et al.; Notice of Application

Federal Register 2010, 2011, 2012, 2013, 2014

2013-12-12

... SECURITIES AND EXCHANGE COMMISSION [Release No. IC-30821; File No. 812-14158] Minnesota Life...: Minnesota Life Insurance Company (``Minnesota Life'' or ``Insurance Company''), Variable Annuity Account...., Washington, D.C. 20549- 1090. Applicants, c/o Daniel P. Preiner, Counsel, Minnesota Life Insurance Company...

26 CFR 1.1402(a)-18 - Split-dollar life insurance arrangements.

Code of Federal Regulations, 2010 CFR

2010-04-01

... 26 Internal Revenue 12 2010-04-01 2010-04-01 false Split-dollar life insurance arrangements. 1... life insurance arrangements. See §§ 1.61-22 and 1.7872-15 for rules relating to the treatment of split-dollar life insurance arrangements. [T.D. 9092, 68 FR 54352, Sept. 17, 2003] ...

26 CFR 1.802(b)-1 - Tax on life insurance companies.

Code of Federal Regulations, 2013 CFR

2013-04-01

... 26 Internal Revenue 8 2013-04-01 2013-04-01 false Tax on life insurance companies. 1.802(b)-1...) INCOME TAX (CONTINUED) INCOME TAXES (CONTINUED) Life Insurance Companies § 1.802(b)-1 Tax on life insurance companies. (a) For taxable years beginning after December 31, 1953, but before January 1, 1955...

26 CFR 1.802-3 - Tax imposed on life insurance companies.

Code of Federal Regulations, 2014 CFR

2014-04-01

... 26 Internal Revenue 8 2014-04-01 2014-04-01 false Tax imposed on life insurance companies. 1.802-3... TAX (CONTINUED) INCOME TAXES (CONTINUED) Life Insurance Companies § 1.802-3 Tax imposed on life insurance companies. (a) In general. For taxable years beginning after December 31, 1957, section 802(a)(1...

26 CFR 1.802(b)-1 - Tax on life insurance companies.

Code of Federal Regulations, 2012 CFR

2012-04-01

... 26 Internal Revenue 8 2012-04-01 2012-04-01 false Tax on life insurance companies. 1.802(b)-1...) INCOME TAX (CONTINUED) INCOME TAXES (CONTINUED) Life Insurance Companies § 1.802(b)-1 Tax on life insurance companies. (a) For taxable years beginning after December 31, 1953, but before January 1, 1955...

26 CFR 1.802-3 - Tax imposed on life insurance companies.

Code of Federal Regulations, 2012 CFR

2012-04-01

... 26 Internal Revenue 8 2012-04-01 2012-04-01 false Tax imposed on life insurance companies. 1.802-3... TAX (CONTINUED) INCOME TAXES (CONTINUED) Life Insurance Companies § 1.802-3 Tax imposed on life insurance companies. (a) In general. For taxable years beginning after December 31, 1957, section 802(a)(1...

26 CFR 1.802-3 - Tax imposed on life insurance companies.

Code of Federal Regulations, 2013 CFR

2013-04-01

... 26 Internal Revenue 8 2013-04-01 2013-04-01 false Tax imposed on life insurance companies. 1.802-3... TAX (CONTINUED) INCOME TAXES (CONTINUED) Life Insurance Companies § 1.802-3 Tax imposed on life insurance companies. (a) In general. For taxable years beginning after December 31, 1957, section 802(a)(1...

26 CFR 1.802(b)-1 - Tax on life insurance companies.

Code of Federal Regulations, 2014 CFR

2014-04-01

... 26 Internal Revenue 8 2014-04-01 2014-04-01 false Tax on life insurance companies. 1.802(b)-1...) INCOME TAX (CONTINUED) INCOME TAXES (CONTINUED) Life Insurance Companies § 1.802(b)-1 Tax on life insurance companies. (a) For taxable years beginning after December 31, 1953, but before January 1, 1955...

26 CFR 1.1402(a)-18 - Split-dollar life insurance arrangements.

Code of Federal Regulations, 2011 CFR

2011-04-01

... 26 Internal Revenue 12 2011-04-01 2011-04-01 false Split-dollar life insurance arrangements. 1... Split-dollar life insurance arrangements. See §§ 1.61-22 and 1.7872-15 for rules relating to the treatment of split-dollar life insurance arrangements. [T.D. 9092, 68 FR 54352, Sept. 17, 2003] ...

26 CFR 1.1402(a)-18 - Split-dollar life insurance arrangements.

Code of Federal Regulations, 2013 CFR

2013-04-01

... 26 Internal Revenue 12 2013-04-01 2013-04-01 false Split-dollar life insurance arrangements. 1... Split-dollar life insurance arrangements. See §§ 1.61-22 and 1.7872-15 for rules relating to the treatment of split-dollar life insurance arrangements. [T.D. 9092, 68 FR 54352, Sept. 17, 2003] ...

26 CFR 1.1402(a)-18 - Split-dollar life insurance arrangements.

Code of Federal Regulations, 2014 CFR

2014-04-01

... 26 Internal Revenue 12 2014-04-01 2014-04-01 false Split-dollar life insurance arrangements. 1... Split-dollar life insurance arrangements. See §§ 1.61-22 and 1.7872-15 for rules relating to the treatment of split-dollar life insurance arrangements. [T.D. 9092, 68 FR 54352, Sept. 17, 2003] ...

26 CFR 1.1402(a)-18 - Split-dollar life insurance arrangements.

Code of Federal Regulations, 2012 CFR

2012-04-01

... 26 Internal Revenue 12 2012-04-01 2012-04-01 false Split-dollar life insurance arrangements. 1... Split-dollar life insurance arrangements. See §§ 1.61-22 and 1.7872-15 for rules relating to the treatment of split-dollar life insurance arrangements. [T.D. 9092, 68 FR 54352, Sept. 17, 2003] ...

What new policies should South Africa's life insurance industry adopt?

PubMed

Solomon, G

1996-12-01

By February 1996, the South African life insurance industry had paid out more than R75 million in AIDS-related claims. This situation requires imposition of controls that will make economic sense while reflecting the social responsibility of the insurance companies. AIDS mortality rates suggest that for each 10% of the infected insured population, the risk premium rates should increase 400%. Thus, without controls, the life insurance sector may collapse. While it has been charged that HIV testing associated with the provision of life insurance discriminates against infected individuals, failure to test compromises the rights of uninfected individuals in the individual assurance market. HIV test protocols can be used that protect applicants from false positive results, prevent fraud, and preserve confidentiality. Proposals to require five-year retesting have also been criticized but would protect the interests of uninfected individuals who want life insurance to remain affordable. In an innovative move, South Africa now includes "full-blown AIDS" among the list of "dreaded diseases" that trigger an immediate pay-out. While purchasing life insurance may fall low on the list of priorities of an infected person, demand continues, and two companies offer expensive products to those with Stage I and II disease. Medical insurance is also threatened by the increased costs associated with HIV/AIDS, and treatment protocols may be the only way to control medical expenses and assure the future of medical insurance. At this stage of the epidemic, no one seems prepared to meet their share of the costs associated with HIV/AIDS.

26 CFR 1.79-1 - Group-term life insurance-general rules.

Code of Federal Regulations, 2011 CFR

2011-04-01

... precludes individual selection. (b) May group-term life insurance be combined with other benefits? No part... that does not provide general death benefits, such as travel insurance or accident and health insurance... 26 Internal Revenue 2 2011-04-01 2011-04-01 false Group-term life insurance-general rules. 1.79-1...

75 FR 18908 - Jackson National Life Insurance Company, et al.

Federal Register 2010, 2011, 2012, 2013, 2014

2010-04-13

... Life Insurance Company, et al. April 7, 2010. AGENCY: The Securities and Exchange Commission... purchase payments made under certain deferred variable annuity contracts. APPLICANTS: Jackson National Life...''), Jackson National Life Insurance Company of New York (``JNL New York'' and collectively with Jackson...

26 CFR 1.381(c)(22)-1 - Successor life insurance company.

Code of Federal Regulations, 2010 CFR

2010-04-01

... 26 Internal Revenue 4 2010-04-01 2010-04-01 false Successor life insurance company. 1.381(c)(22)-1...) INCOME TAX (CONTINUED) INCOME TAXES Insolvency Reorganizations § 1.381(c)(22)-1 Successor life insurance... the following examples: Example 1. X qualified as a life insurance company in 1949. Y qualified as a...

26 CFR 1.381(c)(22)-1 - Successor life insurance company.

Code of Federal Regulations, 2011 CFR

2011-04-01

... 26 Internal Revenue 4 2011-04-01 2011-04-01 false Successor life insurance company. 1.381(c)(22)-1...) INCOME TAX (CONTINUED) INCOME TAXES Insolvency Reorganizations § 1.381(c)(22)-1 Successor life insurance... the following examples: Example 1. X qualified as a life insurance company in 1949. Y qualified as a...

76 FR 40451 - Agency Information Collection (Application for Ordinary Life Insurance) Activity Under OMB Review

Federal Register 2010, 2011, 2012, 2013, 2014

2011-07-08

... (Application for Ordinary Life Insurance) Activity Under OMB Review AGENCY: Veterans Benefits Administration... for Ordinary Life Insurance, Replacement Insurance for Modified Life Reduced at Age 65, National Service Life Insurance, VA Form 29-8485. b. Application for Ordinary Life Insurance, Replacement Insurance...

75 FR 36452 - Pruco Life Insurance Company, et al.; Notice of Application

Federal Register 2010, 2011, 2012, 2013, 2014

2010-06-25

... SECURITIES AND EXCHANGE COMMISSION [Release No. IC-29302; File No. 812-13713] Pruco Life Insurance... Sections 2(a)(32), and 27(i)(2)(A) of the Act and Rule 22c-1 thereunder. Applicants: Pruco Life Insurance Company (``Pruco Life''), Pruco Life Insurance Company of New Jersey (``PLNJ,'' and collectively with...

Health and life insurance as an alternative to malpractice tort law.

PubMed

Sumner, Walton

2010-06-02

Tort law has legitimate social purposes of deterrence, punishment and compensation, but medical tort law does none of these well. Tort law could be counterproductive in medicine, encouraging costly defensive practices that harm some patients, restricting access to care in some settings and discouraging innovation. Patients might be better served by purchasing combined health and life insurance policies and waiving their right to pursue malpractice claims. The combined policy should encourage the insurer to profit by inexpensively delaying policyholders' deaths. A health and life insurer would attempt to minimize mortal risks to policyholders from any cause, including medical mistakes and could therefore pursue systematic quality improvement efforts. If policyholders trust the insurer to seek, develop and reward genuinely effective care; identify, deter and remediate poor care; and compensate survivors through the no-fault process of paying life insurance benefits, then tort law is largely redundant and the right to sue may be waived. If expensive defensive medicine can be avoided, that savings alone could pay for fairly large life insurance policies. Insurers are maligned largely because of their logical response to incentives that are misaligned with the interests of patients and physicians in the United States. Patient, provider and insurer incentives could be realigned by combining health and life insurance, allowing the insurer to use its considerable information access and analytic power to improve patient care. This arrangement would address the social goals of malpractice torts, so that policyholders could rationally waive their right to sue.

31 CFR 500.526 - Transactions involving blocked life insurance policies.

Code of Federal Regulations, 2010 CFR

2010-07-01

... 31 Money and Finance: Treasury 3 2010-07-01 2010-07-01 false Transactions involving blocked life... blocked life insurance policies. (a) The following transactions are hereby authorized: (1) The payment of premiums and interest on policy loans with respect to any blocked life insurance policy; (2) The issuance...

31 CFR 515.526 - Transactions involving blocked life insurance policies.

Code of Federal Regulations, 2010 CFR

2010-07-01

... 31 Money and Finance: Treasury 3 2010-07-01 2010-07-01 false Transactions involving blocked life... blocked life insurance policies. (a) The following transactions are hereby authorized: (1) The payment of premiums and interest on policy loans with respect to any blocked life insurance policy; (2) The issuance...

78 FR 18634 - ING Life Insurance and Annuity Company, et al; Notice of Application

Federal Register 2010, 2011, 2012, 2013, 2014

2013-03-27

... SECURITIES AND EXCHANGE COMMISSION [Release No. IC-30431; File No. 812-14033] ING Life Insurance... (the ``1940 Act'' or ``Act''). APPLICANTS: ING Life Insurance and Annuity Company (``ING Life''), ING USA Annuity and Life Insurance Company (``ING USA''), ReliaStar Life Insurance Company of New York...

75 FR 39589 - Nationwide Life Insurance Company,et al.; Notice of Application

Federal Register 2010, 2011, 2012, 2013, 2014

2010-07-09

...] Nationwide Life Insurance Company, et al.; Notice of Application July 2, 2010. AGENCY: The Securities and...: Nationwide Life Insurance Company (``NWL''); Nationwide Variable Account-II (the ``Separate Account''); and... Commission, 100 F Street, NE., Washington, DC 20549-1090. Applicants, c/o Nationwide Life Insurance Company...

77 FR 20886 - Agency Information Collection (Conversion From Servicemembers' Group Life Insurance to Veterans...

Federal Register 2010, 2011, 2012, 2013, 2014

2012-04-06

... DEPARTMENT OF VETERANS AFFAIRS [OMB Control No. 2900-0731] Agency Information Collection (Conversion From Servicemembers' Group Life Insurance to Veterans' Group Life Insurance); Activity Under OMB... from Servicemembers' Group Life Insurance (SGLI) to Veterans' Group Life Insurance (VGLI) for Disabled...

78 FR 5841 - Symetra Life Insurance Company, et al.; Notice of Application

Federal Register 2010, 2011, 2012, 2013, 2014

2013-01-28

...] Symetra Life Insurance Company, et al.; Notice of Application January 22, 2013. AGENCY: Securities and... rule 12d1-2 under the Act to invest in certain financial instruments. Applicants: Symetra Life Insurance Company (``Symetra''), First Symetra National Life Insurance Company of New York (``First Symetra...

Health, disability, and life insurance experiences of working-age persons with multiple sclerosis.

PubMed

Iezzoni, L I; Ngo, L

2007-05-01

Working-age Americans with multiple sclerosis (MS) may face considerable financial insecurities when they become unable to work and lack the health, disability, and life insurance typically offered through employers. In order to estimate the rates of having these insurance policies, as well as how insurance status affects reports of financial stress, we conducted half-hour telephone interviews with 983 working-age persons across the US, who reported being diagnosed with MS. The interviews occurred from May through November 2005, and among the sampled individuals contacted and confirmed eligible, 93.2% completed the interview. The study population was largely female (78.9%), Caucasian (86.4%), married (68.6%), with at least some college education (71.5%), and unemployed (60.2%). Overall, 96.3% had some health insurance (40.3% with public health insurance, primarily Medicare), 56.7% had long-term disability insurance (36.4% with public programs), and 68.3% had life insurance. Notably, 27.4% indicated that, since being diagnosed with MS, health insurance concerns had significantly affected employment decisions. In addition, 16.4% reported considerable difficulty paying for health care, 27.4% put off or postponed seeking needed health care because of costs, and 22.3% delayed filling prescriptions, skipped medication doses, or split pills because of costs. Overall, 26.6% reported considerable worries about affording even basic necessities, such as food, utilities, and housing.

Health and life insurance as an alternative to malpractice tort law

PubMed Central

2010-01-01

Background Tort law has legitimate social purposes of deterrence, punishment and compensation, but medical tort law does none of these well. Tort law could be counterproductive in medicine, encouraging costly defensive practices that harm some patients, restricting access to care in some settings and discouraging innovation. Discussion Patients might be better served by purchasing combined health and life insurance policies and waiving their right to pursue malpractice claims. The combined policy should encourage the insurer to profit by inexpensively delaying policyholders' deaths. A health and life insurer would attempt to minimize mortal risks to policyholders from any cause, including medical mistakes and could therefore pursue systematic quality improvement efforts. If policyholders trust the insurer to seek, develop and reward genuinely effective care; identify, deter and remediate poor care; and compensate survivors through the no-fault process of paying life insurance benefits, then tort law is largely redundant and the right to sue may be waived. If expensive defensive medicine can be avoided, that savings alone could pay for fairly large life insurance policies. Summary Insurers are maligned largely because of their logical response to incentives that are misaligned with the interests of patients and physicians in the United States. Patient, provider and insurer incentives could be realigned by combining health and life insurance, allowing the insurer to use its considerable information access and analytic power to improve patient care. This arrangement would address the social goals of malpractice torts, so that policyholders could rationally waive their right to sue. PMID:20525190

26 CFR 1.264-4 - Other life insurance, endowment, or annuity contracts.

Code of Federal Regulations, 2010 CFR

2010-04-01

... 26 Internal Revenue 3 2010-04-01 2010-04-01 false Other life insurance, endowment, or annuity... (CONTINUED) INCOME TAX (CONTINUED) INCOME TAXES Items Not Deductible § 1.264-4 Other life insurance... taxable year on indebtedness incurred or continued to purchase or continue in effect a life insurance...

26 CFR 1.821-1 - Tax on mutual insurance companies other than life or marine or fire insurance companies subject...

Code of Federal Regulations, 2014 CFR

2014-04-01

... 26 Internal Revenue 8 2014-04-01 2014-04-01 false Tax on mutual insurance companies other than life or marine or fire insurance companies subject to the tax imposed by section 831. 1.821-1 Section 1... (CONTINUED) INCOME TAXES (CONTINUED) Mutual Insurance Companies (other Than Life and Certain Marine Insurance...

26 CFR 1.821-1 - Tax on mutual insurance companies other than life or marine or fire insurance companies subject...

Code of Federal Regulations, 2013 CFR

2013-04-01

... 26 Internal Revenue 8 2013-04-01 2013-04-01 false Tax on mutual insurance companies other than life or marine or fire insurance companies subject to the tax imposed by section 831. 1.821-1 Section 1... (CONTINUED) INCOME TAXES (CONTINUED) Mutual Insurance Companies (other Than Life and Certain Marine Insurance...

26 CFR 1.821-3 - Tax on mutual insurance companies other than life or marine or fire insurance companies subject...

Code of Federal Regulations, 2014 CFR

2014-04-01

... 26 Internal Revenue 8 2014-04-01 2014-04-01 false Tax on mutual insurance companies other than life or marine or fire insurance companies subject to the tax imposed by section 831. 1.821-3 Section 1... (CONTINUED) INCOME TAXES (CONTINUED) Mutual Insurance Companies (other Than Life and Certain Marine Insurance...

26 CFR 1.821-3 - Tax on mutual insurance companies other than life or marine or fire insurance companies subject...

Code of Federal Regulations, 2013 CFR

2013-04-01

... 26 Internal Revenue 8 2013-04-01 2013-04-01 false Tax on mutual insurance companies other than life or marine or fire insurance companies subject to the tax imposed by section 831. 1.821-3 Section 1... (CONTINUED) INCOME TAXES (CONTINUED) Mutual Insurance Companies (other Than Life and Certain Marine Insurance...

26 CFR 1.821-3 - Tax on mutual insurance companies other than life or marine or fire insurance companies subject...

Code of Federal Regulations, 2012 CFR

2012-04-01

... 26 Internal Revenue 8 2012-04-01 2012-04-01 false Tax on mutual insurance companies other than life or marine or fire insurance companies subject to the tax imposed by section 831. 1.821-3 Section 1... (CONTINUED) INCOME TAXES (CONTINUED) Mutual Insurance Companies (other Than Life and Certain Marine Insurance...

26 CFR 1.821-3 - Tax on mutual insurance companies other than life or marine or fire insurance companies subject...

Code of Federal Regulations, 2010 CFR

2010-04-01

... 26 Internal Revenue 8 2010-04-01 2010-04-01 false Tax on mutual insurance companies other than life or marine or fire insurance companies subject to the tax imposed by section 831. 1.821-3 Section 1... (CONTINUED) INCOME TAXES Mutual Insurance Companies (other Than Life and Certain Marine Insurance Companies...

26 CFR 1.821-1 - Tax on mutual insurance companies other than life or marine or fire insurance companies subject...

Code of Federal Regulations, 2010 CFR

2010-04-01

... 26 Internal Revenue 8 2010-04-01 2010-04-01 false Tax on mutual insurance companies other than life or marine or fire insurance companies subject to the tax imposed by section 831. 1.821-1 Section 1... (CONTINUED) INCOME TAXES Mutual Insurance Companies (other Than Life and Certain Marine Insurance Companies...

26 CFR 1.821-1 - Tax on mutual insurance companies other than life or marine or fire insurance companies subject...

Code of Federal Regulations, 2011 CFR

2011-04-01

... 26 Internal Revenue 8 2011-04-01 2011-04-01 false Tax on mutual insurance companies other than life or marine or fire insurance companies subject to the tax imposed by section 831. 1.821-1 Section 1... (CONTINUED) INCOME TAXES (CONTINUED) Mutual Insurance Companies (other Than Life and Certain Marine Insurance...

26 CFR 1.821-1 - Tax on mutual insurance companies other than life or marine or fire insurance companies subject...

Code of Federal Regulations, 2012 CFR

2012-04-01

... 26 Internal Revenue 8 2012-04-01 2012-04-01 false Tax on mutual insurance companies other than life or marine or fire insurance companies subject to the tax imposed by section 831. 1.821-1 Section 1... (CONTINUED) INCOME TAXES (CONTINUED) Mutual Insurance Companies (other Than Life and Certain Marine Insurance...

26 CFR 1.821-3 - Tax on mutual insurance companies other than life or marine or fire insurance companies subject...

Code of Federal Regulations, 2011 CFR

2011-04-01

... 26 Internal Revenue 8 2011-04-01 2011-04-01 false Tax on mutual insurance companies other than life or marine or fire insurance companies subject to the tax imposed by section 831. 1.821-3 Section 1... (CONTINUED) INCOME TAXES (CONTINUED) Mutual Insurance Companies (other Than Life and Certain Marine Insurance...

77 FR 73700 - Mutual of America Life Insurance Company, et al;

Federal Register 2010, 2011, 2012, 2013, 2014

2012-12-11

... Life Insurance Company, et al; Notice of Application December 5, 2012. AGENCY: Securities and Exchange... Section 17(a) of the Act. APPLICANTS: Mutual of America Life Insurance Company (``Mutual of America''), Wilton Reassurance Life Company of New York (``Wilton,'' and, together with Mutual of America Life...

Should Australia Ban the Use of Genetic Test Results in Life Insurance?

PubMed

Tiller, Jane; Otlowski, Margaret; Lacaze, Paul

2017-01-01

Under current Australian regulation, life insurance companies can require applicants to disclose all genetic test results, including results from research or direct-to-consumer tests. Life insurers can then use this genetic information in underwriting and policy decisions for mutually rated products, including life, permanent disability, and total income protection insurance. Over the past decade, many countries have implemented moratoria or legislative bans on the use of genetic information by life insurers. The Australian government, by contrast, has not reviewed regulation since 2005 when it failed to ensure implementation of recommendations made by the Australian Law Reform Commission. In that time, the Australian life insurance industry has been left to self-regulate its use of genetic information. As a result, insurance fears in Australia now are leading to deterred uptake of genetic testing by at-risk individuals and deterred participation in medical research, both of which have been documented. As the potential for genomic medicine grows, public trust and engagement are critical for successful implementation. Concerns around life insurance may become a barrier to the development of genomic health care, research, and public health initiatives in Australia, and the issue should be publicly addressed. We argue a moratorium on the use of genetic information by life insurers should be enacted while appropriate longer term policy is determined and implemented.

77 FR 37839 - Veterans' Group Life Insurance (VGLI) No-Health Period Extension

Federal Register 2010, 2011, 2012, 2013, 2014

2012-06-25

... DEPARTMENT OF VETERANS AFFAIRS 38 CFR Part 9 RIN 2900-AO24 Veterans' Group Life Insurance (VGLI... Veterans' Group Life Insurance (VGLI) to extend to 240 days the current 120-day ``no-health'' period during... Life Insurance (VGLI) No-Health Period Extension.'' Copies of comments received will be available for...

26 CFR 1.61-22 - Taxation of split-dollar life insurance arrangements.

Code of Federal Regulations, 2010 CFR

2010-04-01

... 26 Internal Revenue 2 2010-04-01 2010-04-01 false Taxation of split-dollar life insurance..., and Taxable Income § 1.61-22 Taxation of split-dollar life insurance arrangements. (a) Scope—(1) In general. This section provides rules for the taxation of a split-dollar life insurance arrangement for...

26 CFR 1.61-22 - Taxation of split-dollar life insurance arrangements.

Code of Federal Regulations, 2013 CFR

2013-04-01

... 26 Internal Revenue 2 2013-04-01 2013-04-01 false Taxation of split-dollar life insurance..., and Taxable Income § 1.61-22 Taxation of split-dollar life insurance arrangements. (a) Scope—(1) In general. This section provides rules for the taxation of a split-dollar life insurance arrangement for...

26 CFR 1.61-22 - Taxation of split-dollar life insurance arrangements.

Code of Federal Regulations, 2012 CFR

2012-04-01

... 26 Internal Revenue 2 2012-04-01 2012-04-01 false Taxation of split-dollar life insurance..., and Taxable Income § 1.61-22 Taxation of split-dollar life insurance arrangements. (a) Scope—(1) In general. This section provides rules for the taxation of a split-dollar life insurance arrangement for...

26 CFR 1.381(c)(22)-1 - Successor life insurance company.

Code of Federal Regulations, 2014 CFR

2014-04-01

... 26 Internal Revenue 4 2014-04-01 2014-04-01 false Successor life insurance company. 1.381(c)(22)-1... life insurance company. (a) Carryover requirement. If in a taxable year beginning after December 31, 1957, a distributor or transferor corporation which is an insurance company is acquired by a...

26 CFR 1.381(c)(22)-1 - Successor life insurance company.

Code of Federal Regulations, 2012 CFR

2012-04-01

... 26 Internal Revenue 4 2012-04-01 2012-04-01 false Successor life insurance company. 1.381(c)(22)-1... life insurance company. (a) Carryover requirement. If in a taxable year beginning after December 31, 1957, a distributor or transferor corporation which is an insurance company is acquired by a...

26 CFR 1.381(c)(22)-1 - Successor life insurance company.

Code of Federal Regulations, 2013 CFR

2013-04-01

... 26 Internal Revenue 4 2013-04-01 2013-04-01 false Successor life insurance company. 1.381(c)(22)-1... life insurance company. (a) Carryover requirement. If in a taxable year beginning after December 31, 1957, a distributor or transferor corporation which is an insurance company is acquired by a...

Public Awareness of Genetic Nondiscrimination Laws in Four States and Perceived Importance of Life Insurance Protections

PubMed Central

Foland, Joan; Anderson, Beth; Duquette, Debra; Sobotka, Holly; Lynn, Mary; Nottingham, Shelley; Dotson, William David; Kolor, Katherine; Cox, Summer L.

2015-01-01

Genetic testing has grown dramatically in the past decade and is becoming an integral part of health care. Genetic nondiscrimination laws have been passed in many states, and the Genetic Information Nondiscrimination Act (GINA) was passed at the federal level in 2008. These laws generally protect individuals from discrimination by health insurers or employers based on genetic information, including test results. In 2010, Connecticut, Michigan, Ohio, and Oregon added four questions to their Behavioral Risk Factor Surveillance System (BRFSS) survey to assess interest in genetic testing, awareness of genetic nondiscrimination laws, concern about genetic discrimination in determining life insurance eligibility and cost, and perceived importance of genetic nondiscrimination laws that address life insurance. Survey results showed that awareness of genetic nondiscrimination laws was low (less than 20 % of the adult population), while perceived importance of these types of laws was high (over 80 % of respondents rated them as very or somewhat important). Over two-thirds of respondents indicated they were very or somewhat concerned about life insurance companies using genetic test results to determine life insurance coverage and costs. Results indicate a need for more public education to raise awareness of protections provided through current genetic nondiscrimination laws. The high rate of concern about life insurance discrimination indicates an additional need for continued dialogue regarding the extent of legal protections in genetic nondiscrimination laws. PMID:25242499

Public awareness of genetic nondiscrimination laws in four states and perceived importance of life insurance protections.

PubMed

Parkman, Alicia A; Foland, Joan; Anderson, Beth; Duquette, Debra; Sobotka, Holly; Lynn, Mary; Nottingham, Shelley; Dotson, William David; Kolor, Katherine; Cox, Summer L

2015-06-01

Genetic testing has grown dramatically in the past decade and is becoming an integral part of health care. Genetic nondiscrimination laws have been passed in many states, and the Genetic Information Nondiscrimination Act (GINA) was passed at the federal level in 2008. These laws generally protect individuals from discrimination by health insurers or employers based on genetic information, including test results. In 2010, Connecticut, Michigan, Ohio, and Oregon added four questions to their Behavioral Risk Factor Surveillance System (BRFSS) survey to assess interest in genetic testing, awareness of genetic nondiscrimination laws, concern about genetic discrimination in determining life insurance eligibility and cost, and perceived importance of genetic nondiscrimination laws that address life insurance. Survey results showed that awareness of genetic nondiscrimination laws was low (less than 20 % of the adult population), while perceived importance of these types of laws was high (over 80 % of respondents rated them as very or somewhat important). Over two-thirds of respondents indicated they were very or somewhat concerned about life insurance companies using genetic test results to determine life insurance coverage and costs. Results indicate a need for more public education to raise awareness of protections provided through current genetic nondiscrimination laws. The high rate of concern about life insurance discrimination indicates an additional need for continued dialogue regarding the extent of legal protections in genetic nondiscrimination laws.

77 FR 66069 - Veterans' Group Life Insurance (VGLI) No-Health Period Extension

Federal Register 2010, 2011, 2012, 2013, 2014

2012-11-01

... DEPARTMENT OF VETERANS AFFAIRS 38 CFR Part 9 RIN 2900-AO24 Veterans' Group Life Insurance (VGLI... eligibility for Veterans' Group Life Insurance (VGLI) to extend to 240 days the current 120-day ``no-health... Life Insurance (VGLI) ``no- health'' period, from 120 days to 240 days. This amendment is designed to...

26 CFR 1.7702-2 - Attained age of the insured under a life insurance contract.

Code of Federal Regulations, 2013 CFR

2013-04-01

... 26 Internal Revenue 13 2013-04-01 2013-04-01 false Attained age of the insured under a life insurance contract. 1.7702-2 Section 1.7702-2 Internal Revenue INTERNAL REVENUE SERVICE, DEPARTMENT OF THE TREASURY (CONTINUED) INCOME TAX (CONTINUED) INCOME TAXES (CONTINUED) General Actuarial Valuations § 1.7702-2 Attained age of the insured under a lif...

26 CFR 1.7702-2 - Attained age of the insured under a life insurance contract.

Code of Federal Regulations, 2014 CFR

2014-04-01

... 26 Internal Revenue 13 2014-04-01 2014-04-01 false Attained age of the insured under a life insurance contract. 1.7702-2 Section 1.7702-2 Internal Revenue INTERNAL REVENUE SERVICE, DEPARTMENT OF THE TREASURY (CONTINUED) INCOME TAX (CONTINUED) INCOME TAXES (CONTINUED) General Actuarial Valuations § 1.7702-2 Attained age of the insured under a lif...

76 FR 401 - MetLife Insurance Company of Connecticut, et al.

Federal Register 2010, 2011, 2012, 2013, 2014

2011-01-04

... SECURITIES AND EXCHANGE COMMISSION [Release No. IC-29544; File No. 812-13816] MetLife Insurance... Section 17(b) of the Act from Section 17(a) of the Act. Applicants: MetLife Insurance Company of Connecticut (``MetLife of CT''), MetLife of CT Separate Account Eleven for Variable Annuities (``Separate...

75 FR 16205 - MetLife Insurance Company of Connecticut, et al.

Federal Register 2010, 2011, 2012, 2013, 2014

2010-03-31

... SECURITIES AND EXCHANGE COMMISSION [Release No. IC-29190; File No. 812-13700] MetLife Insurance... Section 17(b) of the Act from Section 17(a) of the Act. Applicants: MetLife Insurance Company of Connecticut (``MetLife of CT''), MetLife of CT Separate Account Eleven for Variable Annuities (``Separate...

46 CFR 308.204 - Additional war risk protection and indemnity insurance.

Code of Federal Regulations, 2013 CFR

2013-10-01

... 46 Shipping 8 2013-10-01 2013-10-01 false Additional war risk protection and indemnity insurance. 308.204 Section 308.204 Shipping MARITIME ADMINISTRATION, DEPARTMENT OF TRANSPORTATION EMERGENCY OPERATIONS WAR RISK INSURANCE War Risk Protection and Indemnity Insurance § 308.204 Additional war risk...

46 CFR 308.204 - Additional war risk protection and indemnity insurance.

Code of Federal Regulations, 2011 CFR

2011-10-01

... 46 Shipping 8 2011-10-01 2011-10-01 false Additional war risk protection and indemnity insurance. 308.204 Section 308.204 Shipping MARITIME ADMINISTRATION, DEPARTMENT OF TRANSPORTATION EMERGENCY OPERATIONS WAR RISK INSURANCE War Risk Protection and Indemnity Insurance § 308.204 Additional war risk...

46 CFR 308.204 - Additional war risk protection and indemnity insurance.

Code of Federal Regulations, 2010 CFR

2010-10-01

... 46 Shipping 8 2010-10-01 2010-10-01 false Additional war risk protection and indemnity insurance. 308.204 Section 308.204 Shipping MARITIME ADMINISTRATION, DEPARTMENT OF TRANSPORTATION EMERGENCY OPERATIONS WAR RISK INSURANCE War Risk Protection and Indemnity Insurance § 308.204 Additional war risk...

46 CFR 308.204 - Additional war risk protection and indemnity insurance.

Code of Federal Regulations, 2014 CFR

2014-10-01

... 46 Shipping 8 2014-10-01 2014-10-01 false Additional war risk protection and indemnity insurance. 308.204 Section 308.204 Shipping MARITIME ADMINISTRATION, DEPARTMENT OF TRANSPORTATION EMERGENCY OPERATIONS WAR RISK INSURANCE War Risk Protection and Indemnity Insurance § 308.204 Additional war risk...

46 CFR 308.204 - Additional war risk protection and indemnity insurance.

Code of Federal Regulations, 2012 CFR

2012-10-01

... 46 Shipping 8 2012-10-01 2012-10-01 false Additional war risk protection and indemnity insurance. 308.204 Section 308.204 Shipping MARITIME ADMINISTRATION, DEPARTMENT OF TRANSPORTATION EMERGENCY OPERATIONS WAR RISK INSURANCE War Risk Protection and Indemnity Insurance § 308.204 Additional war risk...

78 FR 36829 - Proposed Information Collection (Veterans Mortgage Life Insurance Statement) Activity: Comment...

Federal Register 2010, 2011, 2012, 2013, 2014

2013-06-19

... (Veterans Mortgage Life Insurance Statement) Activity: Comment Request AGENCY: Veterans Benefits... to decline Veterans Mortgage Life Insurance. DATES: Written comments and recommendations on the... use of other forms of information technology. Title: Veterans Mortgage Life Insurance Statement, VA...

76 FR 24571 - Proposed Information Collection (Veterans Mortgage Life Insurance Inquiry); Comment Request

Federal Register 2010, 2011, 2012, 2013, 2014

2011-05-02

... (Veterans Mortgage Life Insurance Inquiry); Comment Request AGENCY: Veterans Benefits Administration... maintain Veterans Mortgage Life Insurance accounts. DATES: Written comments and recommendations on the... use of other forms of information technology. Title: Veterans Mortgage Life Insurance Inquiry, VA Form...

75 FR 68040 - Proposed Information Collection (Veterans Mortgage Life Insurance Statement) Activity: Comment...

Federal Register 2010, 2011, 2012, 2013, 2014

2010-11-04

... (Veterans Mortgage Life Insurance Statement) Activity: Comment Request AGENCY: Veterans Benefits... to decline Veterans Mortgage Life Insurance. DATES: Written comments and recommendations on the... techniques or the use of other forms of information technology. Title: Veterans Mortgage Life Insurance...

26 CFR 1.61-22 - Taxation of split-dollar life insurance arrangements.

Code of Federal Regulations, 2011 CFR

2011-04-01

... interest in a life insurance contract (or, if later, at the time such transfer is taxable under section 83... the other party that is secured by the life insurance contract; (ii) At least one of the parties to... persons are named as policy owners of a life insurance contract and each person has, at all times, all the...

76 FR 75458 - Servicemembers' Group Life Insurance Traumatic Injury Protection Program-Genitourinary Losses

Federal Register 2010, 2011, 2012, 2013, 2014

2011-12-02

... DEPARTMENT OF VETERANS AFFAIRS 38 CFR Part 9 RIN 2900-AO20 Servicemembers' Group Life Insurance... that amends the regulations governing the Servicemembers' Group Life Insurance Traumatic Injury...-AO20--Servicemembers' Group Life Insurance Traumatic Injury Protection Program--Genitourinary Losses...

78 FR 53175 - The Northwestern Mutual Life Insurance Company, et al.;

Federal Register 2010, 2011, 2012, 2013, 2014

2013-08-28

...] The Northwestern Mutual Life Insurance Company, et al.; Notice of Application Agency: Securities and... the Act from Section 17(a) of the Act. Applicants: The Northwestern Mutual Life Insurance Company (the... Account B, the ``Annuity Accounts'') and Northwestern Mutual Variable Life Account (``VL Account'') and...

77 FR 32397 - Servicemembers' Group Life Insurance Traumatic Injury Protection Program-Genitourinary Losses

Federal Register 2010, 2011, 2012, 2013, 2014

2012-06-01

... DEPARTMENT OF VETERANS AFFAIRS 38 CFR Part 9 RIN 2900-AO20 Servicemembers' Group Life Insurance... regulations governing the Servicemembers' Group Life Insurance Traumatic Injury Protection (TSGLI) program by... expanded the Servicemembers' Group Life Insurance Traumatic Injury Protection (TSGLI) program to add...

38 CFR 6.3 - Incontestability of United States Government life insurance.

Code of Federal Regulations, 2010 CFR

2010-07-01

... service for the reason of fraudulent enlistment shall not invalidate United States Government life... Government life insurance so issued will be canceled as of the effective date of such insurance. [13 FR 7091...

26 CFR 20.2206-1 - Liability of life insurance beneficiaries.

Code of Federal Regulations, 2010 CFR

2010-04-01

... 26 Internal Revenue 14 2010-04-01 2010-04-01 false Liability of life insurance beneficiaries. 20.2206-1 Section 20.2206-1 Internal Revenue INTERNAL REVENUE SERVICE, DEPARTMENT OF THE TREASURY... § 20.2206-1 Liability of life insurance beneficiaries. With respect to the right of the district...

26 CFR 20.2206-1 - Liability of life insurance beneficiaries.

Code of Federal Regulations, 2011 CFR

2011-04-01

... 26 Internal Revenue 14 2011-04-01 2010-04-01 true Liability of life insurance beneficiaries. 20.2206-1 Section 20.2206-1 Internal Revenue INTERNAL REVENUE SERVICE, DEPARTMENT OF THE TREASURY... § 20.2206-1 Liability of life insurance beneficiaries. With respect to the right of the district...

26 CFR 20.2206-1 - Liability of life insurance beneficiaries.

Code of Federal Regulations, 2014 CFR

2014-04-01

... 26 Internal Revenue 14 2014-04-01 2013-04-01 true Liability of life insurance beneficiaries. 20.2206-1 Section 20.2206-1 Internal Revenue INTERNAL REVENUE SERVICE, DEPARTMENT OF THE TREASURY... § 20.2206-1 Liability of life insurance beneficiaries. With respect to the right of the district...

26 CFR 20.2206-1 - Liability of life insurance beneficiaries.

Code of Federal Regulations, 2013 CFR

2013-04-01

... 26 Internal Revenue 14 2013-04-01 2013-04-01 false Liability of life insurance beneficiaries. 20.2206-1 Section 20.2206-1 Internal Revenue INTERNAL REVENUE SERVICE, DEPARTMENT OF THE TREASURY... § 20.2206-1 Liability of life insurance beneficiaries. With respect to the right of the district...

26 CFR 20.2206-1 - Liability of life insurance beneficiaries.

Code of Federal Regulations, 2012 CFR

2012-04-01

... 26 Internal Revenue 14 2012-04-01 2012-04-01 false Liability of life insurance beneficiaries. 20.2206-1 Section 20.2206-1 Internal Revenue INTERNAL REVENUE SERVICE, DEPARTMENT OF THE TREASURY... § 20.2206-1 Liability of life insurance beneficiaries. With respect to the right of the district...

26 CFR 1.831-1 - Tax on insurance companies (other than life or mutual), mutual marine insurance companies, and...

Code of Federal Regulations, 2010 CFR

2010-04-01

... 26 Internal Revenue 8 2010-04-01 2010-04-01 false Tax on insurance companies (other than life or mutual), mutual marine insurance companies, and mutual fire insurance companies issuing perpetual... (CONTINUED) INCOME TAX (CONTINUED) INCOME TAXES Other Insurance Companies § 1.831-1 Tax on insurance...

26 CFR 1.381(d)-1 - Operations loss carryovers of life insurance companies.

Code of Federal Regulations, 2014 CFR

2014-04-01

...)-1 Operations loss carryovers of life insurance companies. For the application of part V, subchapter C, chapter 1 of the Code to operations loss carryovers of life insurance companies, see section 812... 26 Internal Revenue 4 2014-04-01 2014-04-01 false Operations loss carryovers of life insurance...

26 CFR 1.381(d)-1 - Operations loss carryovers of life insurance companies.

Code of Federal Regulations, 2013 CFR

2013-04-01

...)-1 Operations loss carryovers of life insurance companies. For the application of part V, subchapter C, chapter 1 of the Code to operations loss carryovers of life insurance companies, see section 812... 26 Internal Revenue 4 2013-04-01 2013-04-01 false Operations loss carryovers of life insurance...

26 CFR 1.381(d)-1 - Operations loss carryovers of life insurance companies.

Code of Federal Regulations, 2012 CFR

2012-04-01

...)-1 Operations loss carryovers of life insurance companies. For the application of part V, subchapter C, chapter 1 of the Code to operations loss carryovers of life insurance companies, see section 812... 26 Internal Revenue 4 2012-04-01 2012-04-01 false Operations loss carryovers of life insurance...

78 FR 77365 - Federal Employees' Group Life Insurance Program: Options B and C

Federal Register 2010, 2011, 2012, 2013, 2014

2013-12-23

... 3206-AM96 Federal Employees' Group Life Insurance Program: Options B and C AGENCY: U.S. Office of... proposing to amend the Federal Employees' Group Life Insurance (FEGLI) regulations to provide an election... into law. This law, the Federal Employees Life Insurance Improvement Act, changed many parts of the...

17 CFR 270.6e-2 - Exemptions for certain variable life insurance separate accounts.

Code of Federal Regulations, 2012 CFR

2012-04-01

... variable life insurance separate accounts. 270.6e-2 Section 270.6e-2 Commodity and Securities Exchanges...-2 Exemptions for certain variable life insurance separate accounts. (a) A separate account, and the... a life insurance company pursuant to the insurance laws or code of (i) any state or territory of the...

17 CFR 270.6e-2 - Exemptions for certain variable life insurance separate accounts.

Code of Federal Regulations, 2010 CFR

2010-04-01

... variable life insurance separate accounts. 270.6e-2 Section 270.6e-2 Commodity and Securities Exchanges...-2 Exemptions for certain variable life insurance separate accounts. (a) A separate account, and the... a life insurance company pursuant to the insurance laws or code of (i) any state or territory of the...

17 CFR 270.6e-2 - Exemptions for certain variable life insurance separate accounts.

Code of Federal Regulations, 2011 CFR

2011-04-01

... variable life insurance separate accounts. 270.6e-2 Section 270.6e-2 Commodity and Securities Exchanges...-2 Exemptions for certain variable life insurance separate accounts. (a) A separate account, and the... a life insurance company pursuant to the insurance laws or code of (i) any state or territory of the...

26 CFR 1.381(d)-1 - Operations loss carryovers of life insurance companies.

Code of Federal Regulations, 2010 CFR

2010-04-01

... loss carryovers of life insurance companies. For the application of part V, subchapter C, chapter 1 of the Code to operations loss carryovers of life insurance companies, see section 812(f) and § 1.812-7... 26 Internal Revenue 4 2010-04-01 2010-04-01 false Operations loss carryovers of life insurance...

26 CFR 1.381(d)-1 - Operations loss carryovers of life insurance companies.

Code of Federal Regulations, 2011 CFR

2011-04-01

... 26 Internal Revenue 4 2011-04-01 2011-04-01 false Operations loss carryovers of life insurance... loss carryovers of life insurance companies. For the application of part V, subchapter C, chapter 1 of the Code to operations loss carryovers of life insurance companies, see section 812(f) and § 1.812-7...

Effects of Medical Insurance on the Health Status and Life Satisfaction of the Elderly

PubMed Central

GU, Liubao; FENG, Huihui; JIN, Jian

2017-01-01

Background: Population aging has become increasingly serious in China. The demand for medical insurance of the elderly is increasing, and their health status and life satisfaction are becoming significant issues. This study investigates the effects of medical insurance on the health status and life satisfaction of the elderly. Methods: The national baseline survey data of the China Health and Retirement Longitudinal Survey in 2013 were adopted. The Ordered Probit Model was established. The effects of the medical insurance for urban employees, medical insurance for urban residents, and new rural cooperative medical insurance on the health status and life satisfaction of the elderly were investigated. Results: Medical insurance could facilitate the improvement of the health status and life satisfaction of the elderly. Accordingly, the health status and life satisfaction of the elderly who have medical insurance for urban residents improved significantly. The regression coefficients were 0.348 and 0.307. The corresponding regression coefficients of the medical insurance for urban employees were 0.189 and 0.236. The regression coefficients of the new rural cooperative medical insurance were 0.170 and 0.188. Conclusion: Medical insurance can significantly improve the health status and life satisfaction of the elderly. This development is of immense significance for the formulation of equal medical security. PMID:29026784

26 CFR 1.804-4 - Investment yield of a life insurance company.

Code of Federal Regulations, 2010 CFR

2010-04-01

... 26 Internal Revenue 8 2010-04-01 2010-04-01 false Investment yield of a life insurance company. 1... insurance company for purposes of part I, subchapter L, chapter 1 of the Code. Investment yield means gross... deduction of investment expenses by a life insurance company in determining investment yield. “Investment...

26 CFR 1.804-4 - Investment yield of a life insurance company.

Code of Federal Regulations, 2013 CFR

2013-04-01

... 26 Internal Revenue 8 2013-04-01 2013-04-01 false Investment yield of a life insurance company. 1... insurance company. (a) Investment yield defined. Section 804(c) defines the term “investment yield” of a life insurance company for purposes of part I, subchapter L, chapter 1 of the Code. Investment yield...

26 CFR 1.804-4 - Investment yield of a life insurance company.

Code of Federal Regulations, 2014 CFR

2014-04-01

... 26 Internal Revenue 8 2014-04-01 2014-04-01 false Investment yield of a life insurance company. 1... insurance company. (a) Investment yield defined. Section 804(c) defines the term “investment yield” of a life insurance company for purposes of part I, subchapter L, chapter 1 of the Code. Investment yield...

26 CFR 1.804-4 - Investment yield of a life insurance company.

Code of Federal Regulations, 2012 CFR

2012-04-01

... 26 Internal Revenue 8 2012-04-01 2012-04-01 false Investment yield of a life insurance company. 1... insurance company. (a) Investment yield defined. Section 804(c) defines the term “investment yield” of a life insurance company for purposes of part I, subchapter L, chapter 1 of the Code. Investment yield...

77 FR 22069 - Proposed Information Collection (Notice of Lapse-Government Life Insurance); Comment Request

Federal Register 2010, 2011, 2012, 2013, 2014

2012-04-12

... of Lapse--Government Life Insurance); Comment Request AGENCY: Veterans Benefits Administration... determine claimants' eligibility to reinstate lapsed Government Life Insurance policy. DATES: Written.... Notice of Lapse--Government Life Insurance, VA Form 29-389. b. Application for Reinstatement, VA Form 29...

26 CFR 1.831-3 - Tax on insurance companies (other than life or mutual), mutual marine insurance companies, mutual...

Code of Federal Regulations, 2014 CFR

2014-04-01

... 26 Internal Revenue 8 2014-04-01 2014-04-01 false Tax on insurance companies (other than life or mutual), mutual marine insurance companies, mutual fire insurance companies issuing perpetual policies, and mutual fire or flood insurance companies operating on the basis of premium deposits; taxable years...

26 CFR 1.831-1 - Tax on insurance companies (other than life or mutual), mutual marine insurance companies, and...

Code of Federal Regulations, 2014 CFR

2014-04-01

... 26 Internal Revenue 8 2014-04-01 2014-04-01 false Tax on insurance companies (other than life or mutual), mutual marine insurance companies, and mutual fire insurance companies issuing perpetual... (CONTINUED) INCOME TAX (CONTINUED) INCOME TAXES (CONTINUED) Other Insurance Companies § 1.831-1 Tax on...

26 CFR 1.831-3 - Tax on insurance companies (other than life or mutual), mutual marine insurance companies, mutual...

Code of Federal Regulations, 2012 CFR

2012-04-01

... 26 Internal Revenue 8 2012-04-01 2012-04-01 false Tax on insurance companies (other than life or mutual), mutual marine insurance companies, mutual fire insurance companies issuing perpetual policies, and mutual fire or flood insurance companies operating on the basis of premium deposits; taxable years...

26 CFR 1.831-1 - Tax on insurance companies (other than life or mutual), mutual marine insurance companies, and...

Code of Federal Regulations, 2013 CFR

2013-04-01

... 26 Internal Revenue 8 2013-04-01 2013-04-01 false Tax on insurance companies (other than life or mutual), mutual marine insurance companies, and mutual fire insurance companies issuing perpetual... (CONTINUED) INCOME TAX (CONTINUED) INCOME TAXES (CONTINUED) Other Insurance Companies § 1.831-1 Tax on...

26 CFR 1.831-1 - Tax on insurance companies (other than life or mutual), mutual marine insurance companies, and...

Code of Federal Regulations, 2011 CFR

2011-04-01

... 26 Internal Revenue 8 2011-04-01 2011-04-01 false Tax on insurance companies (other than life or mutual), mutual marine insurance companies, and mutual fire insurance companies issuing perpetual... (CONTINUED) INCOME TAX (CONTINUED) INCOME TAXES (CONTINUED) Other Insurance Companies § 1.831-1 Tax on...

26 CFR 1.831-1 - Tax on insurance companies (other than life or mutual), mutual marine insurance companies, and...

Code of Federal Regulations, 2012 CFR

2012-04-01

... 26 Internal Revenue 8 2012-04-01 2012-04-01 false Tax on insurance companies (other than life or mutual), mutual marine insurance companies, and mutual fire insurance companies issuing perpetual... (CONTINUED) INCOME TAX (CONTINUED) INCOME TAXES (CONTINUED) Other Insurance Companies § 1.831-1 Tax on...

26 CFR 1.831-3 - Tax on insurance companies (other than life or mutual), mutual marine insurance companies, mutual...

Code of Federal Regulations, 2013 CFR

2013-04-01

... 26 Internal Revenue 8 2013-04-01 2013-04-01 false Tax on insurance companies (other than life or mutual), mutual marine insurance companies, mutual fire insurance companies issuing perpetual policies, and mutual fire or flood insurance companies operating on the basis of premium deposits; taxable years...

26 CFR 1.831-3 - Tax on insurance companies (other than life or mutual), mutual marine insurance companies, mutual...

Code of Federal Regulations, 2011 CFR

2011-04-01

... 26 Internal Revenue 8 2011-04-01 2011-04-01 false Tax on insurance companies (other than life or mutual), mutual marine insurance companies, mutual fire insurance companies issuing perpetual policies, and mutual fire or flood insurance companies operating on the basis of premium deposits; taxable years...

76 FR 36583 - Submission for Review: Life Insurance Election, Standard Form 2817

Federal Register 2010, 2011, 2012, 2013, 2014

2011-06-22

... OFFICE OF PERSONNEL MANAGEMENT Submission for Review: Life Insurance Election, Standard Form 2817... agencies the opportunity to comment on a revised information collection request (ICR) 3206-0230, Life... of the life insurance). Clearance of this form for use by active Federal employees is not required...

78 FR 68103 - Transamerica Life Insurance Company, et al; Notice of Application

Federal Register 2010, 2011, 2012, 2013, 2014

2013-11-13

... SECURITIES AND EXCHANGE COMMISSION [Release No. 30776; File No. 812-14133] Transamerica Life...)(32), 22(c), and 27(i)(2)(A) of the 1940 Act and Rule 22c-1 thereunder. Applicants: Transamerica Life Insurance Company (``TLIC''), Transamerica Financial Life Insurance Company (``TFLIC'') (each a ``Company...

Life insurance, living benefits, and physician-assisted death.

PubMed

Parker, Frederick R; Rubin, Harvey W; Winslade, William J

2004-01-01

One of the most significant concerns about the legalization of physician-assisted death in the United States relates to the possibility that a chronically or terminally ill person would choose to end her or his life for financial reasons. Because we believe that the life insurance industry is uniquely poised to help minimize any such incentive, we submit that it has a moral obligation to do so. In particular, we propose that the industry encourage greater flexibility in the payout of policy benefits in the event an insured should be diagnosed with a terminal illness or suffer from intractable pain.

26 CFR 1.594-1 - Mutual savings banks conducting life insurance business.

Code of Federal Regulations, 2010 CFR

2010-04-01

... 26 Internal Revenue 7 2010-04-01 2010-04-01 true Mutual savings banks conducting life insurance... savings banks conducting life insurance business. (a) Scope of application. Section 594 applies to the case of a mutual savings bank not having capital stock represented by shares which conducts a life...

26 CFR 1.594-1 - Mutual savings banks conducting life insurance business.

Code of Federal Regulations, 2013 CFR

2013-04-01

... 26 Internal Revenue 7 2013-04-01 2013-04-01 false Mutual savings banks conducting life insurance... savings banks conducting life insurance business. (a) Scope of application. Section 594 applies to the case of a mutual savings bank not having capital stock represented by shares which conducts a life...

76 FR 40451 - Agency Information Collection (Veterans Mortgage Life Insurance-Change of Address Statement...

Federal Register 2010, 2011, 2012, 2013, 2014

2011-07-08

... Mortgage Life Insurance-- Change of Address Statement) Activity Under OMB Review AGENCY: Veterans Benefits... Mortgage Life Insurance--Change of Address Statement, VA Form 29-0563. OMB Control Number: 2900-0503. Type... Mortgage Life Insurance when an address change for the veteran is received. VA uses the data collected to...

5 CFR 352.309 - Retirement, health benefits, and group life insurance.

Code of Federal Regulations, 2013 CFR

2013-01-01

... 5 Administrative Personnel 1 2013-01-01 2013-01-01 false Retirement, health benefits, and group... Organizations § 352.309 Retirement, health benefits, and group life insurance. (a) Agency action. An employee... entitled to retain coverage for retirement, health benefits, and group life insurance purposes if he or she...

5 CFR 352.309 - Retirement, health benefits, and group life insurance.

Code of Federal Regulations, 2014 CFR

2014-01-01

... 5 Administrative Personnel 1 2014-01-01 2014-01-01 false Retirement, health benefits, and group... Organizations § 352.309 Retirement, health benefits, and group life insurance. (a) Agency action. An employee... entitled to retain coverage for retirement, health benefits, and group life insurance purposes if he or she...

5 CFR 352.309 - Retirement, health benefits, and group life insurance.

Code of Federal Regulations, 2012 CFR

2012-01-01

... 5 Administrative Personnel 1 2012-01-01 2012-01-01 false Retirement, health benefits, and group... Organizations § 352.309 Retirement, health benefits, and group life insurance. (a) Agency action. An employee... entitled to retain coverage for retirement, health benefits, and group life insurance purposes if he or she...

76 FR 35249 - Allianz Life Insurance Company of North America, et al; Notice of Application

Federal Register 2010, 2011, 2012, 2013, 2014

2011-06-16

... SECURITIES AND EXCHANGE COMMISSION [[Release No. IC-29693; File No. 812-13821] Allianz Life... Section 17(a) of the Act. Applicants: Allianz Life Insurance Company of North America (``Allianz Life'') and Allianz Life Insurance Company of New York (``Allianz NY'') (together the ``Insurance Company...

78 FR 24249 - Lincoln National Life Insurance Company, et al; Notice of Application

Federal Register 2010, 2011, 2012, 2013, 2014

2013-04-24

... Life Insurance Company, et al; Notice of Application April 18, 2013 AGENCY: Securities and Exchange... Section 17(a) of the Act. APPLICANTS: Lincoln National Life Insurance Company (``Lincoln Life''), Lincoln National Variable Annuity Account C, Lincoln National Variable Annuity Account L, Lincoln Life Variable...

26 CFR 1.821-4 - Tax on mutual insurance companies other than life insurance companies and other than fire, flood...

Code of Federal Regulations, 2011 CFR

2011-04-01

... 26 Internal Revenue 8 2011-04-01 2011-04-01 false Tax on mutual insurance companies other than life insurance companies and other than fire, flood, or marine insurance companies, subject to tax... THE TREASURY (CONTINUED) INCOME TAX (CONTINUED) INCOME TAXES (CONTINUED) Mutual Insurance Companies...

26 CFR 1.821-4 - Tax on mutual insurance companies other than life insurance companies and other than fire, flood...

Code of Federal Regulations, 2012 CFR

2012-04-01

... 26 Internal Revenue 8 2012-04-01 2012-04-01 false Tax on mutual insurance companies other than life insurance companies and other than fire, flood, or marine insurance companies, subject to tax... THE TREASURY (CONTINUED) INCOME TAX (CONTINUED) INCOME TAXES (CONTINUED) Mutual Insurance Companies...

26 CFR 1.821-4 - Tax on mutual insurance companies other than life insurance companies and other than fire, flood...

Code of Federal Regulations, 2013 CFR

2013-04-01

... 26 Internal Revenue 8 2013-04-01 2013-04-01 false Tax on mutual insurance companies other than life insurance companies and other than fire, flood, or marine insurance companies, subject to tax... THE TREASURY (CONTINUED) INCOME TAX (CONTINUED) INCOME TAXES (CONTINUED) Mutual Insurance Companies...

26 CFR 1.821-4 - Tax on mutual insurance companies other than life insurance companies and other than fire, flood...

Code of Federal Regulations, 2014 CFR

2014-04-01

... 26 Internal Revenue 8 2014-04-01 2014-04-01 false Tax on mutual insurance companies other than life insurance companies and other than fire, flood, or marine insurance companies, subject to tax... THE TREASURY (CONTINUED) INCOME TAX (CONTINUED) INCOME TAXES (CONTINUED) Mutual Insurance Companies...

26 CFR 1.804-4 - Investment yield of a life insurance company.

Code of Federal Regulations, 2011 CFR

2011-04-01

... 26 Internal Revenue 8 2011-04-01 2011-04-01 false Investment yield of a life insurance company. 1...) INCOME TAX (CONTINUED) INCOME TAXES (CONTINUED) Investment Income § 1.804-4 Investment yield of a life... life insurance company for purposes of part I, subchapter L, chapter 1 of the Code. Investment yield...

76 FR 40455 - Agency Information Collection (Veterans Mortgage Life Insurance Inquiry) Activity Under OMB Review

Federal Register 2010, 2011, 2012, 2013, 2014

2011-07-08

... Mortgage Life Insurance Inquiry) Activity Under OMB Review AGENCY: Veterans Benefits Administration... refer to ``OMB Control No. 2900-0501.'' SUPPLEMENTARY INFORMATION: Title: Veterans Mortgage Life... approved collection. Abstract: Veterans whose mortgage is insured under Veterans Mortgage Life Insurance...

26 CFR 1.821-4 - Tax on mutual insurance companies other than life insurance companies and other than fire, flood...

Code of Federal Regulations, 2010 CFR

2010-04-01

... 26 Internal Revenue 8 2010-04-01 2010-04-01 false Tax on mutual insurance companies other than life insurance companies and other than fire, flood, or marine insurance companies, subject to tax... THE TREASURY (CONTINUED) INCOME TAX (CONTINUED) INCOME TAXES Mutual Insurance Companies (other Than...

26 CFR 1.804-3 - Gross investment income of a life insurance company.

Code of Federal Regulations, 2012 CFR

2012-04-01

... income of a life insurance company. (a) Gross investment income defined. For purposes of part I... insurance company as the sum of the following: (1) The gross amount of income from: (i) Interest (including... agreement from which the life insurance company may derive interest, rents, or royalties. (v) The alteration...

26 CFR 1.804-3 - Gross investment income of a life insurance company.

Code of Federal Regulations, 2011 CFR

2011-04-01

... income of a life insurance company. (a) Gross investment income defined. For purposes of part I... insurance company as the sum of the following: (1) The gross amount of income from: (i) Interest (including... agreement from which the life insurance company may derive interest, rents, or royalties. (v) The alteration...

26 CFR 1.804-3 - Gross investment income of a life insurance company.

Code of Federal Regulations, 2014 CFR

2014-04-01

... income of a life insurance company. (a) Gross investment income defined. For purposes of part I... insurance company as the sum of the following: (1) The gross amount of income from: (i) Interest (including... agreement from which the life insurance company may derive interest, rents, or royalties. (v) The alteration...

26 CFR 1.804-3 - Gross investment income of a life insurance company.

Code of Federal Regulations, 2013 CFR

2013-04-01

... income of a life insurance company. (a) Gross investment income defined. For purposes of part I... insurance company as the sum of the following: (1) The gross amount of income from: (i) Interest (including... agreement from which the life insurance company may derive interest, rents, or royalties. (v) The alteration...

26 CFR 1.804-3 - Gross investment income of a life insurance company.

Code of Federal Regulations, 2010 CFR

2010-04-01

... insurance company. (a) Gross investment income defined. For purposes of part I, subchapter L, chapter 1 of the Code, section 804(b) defines the term gross investment income of a life insurance company as the... which the life insurance company may derive interest, rents, or royalties. (v) The alteration or...

Non-life insurance pricing: multi-agent model

NASA Astrophysics Data System (ADS)

Darooneh, A. H.

2004-11-01

We use the maximum entropy principle for the pricing of non-life insurance and recover the Bühlmann results for the economic premium principle. The concept of economic equilibrium is revised in this respect.

75 FR 75708 - American United Life Insurance Company, et al.; Notice of Application

Federal Register 2010, 2011, 2012, 2013, 2014

2010-12-06

... SECURITIES AND EXCHANGE COMMISSION [Release No. IC-29521; File No. 812-13780] American United Life...: American United Life Insurance Company (``AUL''), AUL American Unit Trust (``AUL Account''). AUL and the...., American United Life Insurance Company, One American Square, Indianapolis, Indiana 46282. Copies to...

78 FR 58611 - Agency Information Collection (Veterans Mortgage Life Insurance Statement) Activity Under OMB Review

Federal Register 2010, 2011, 2012, 2013, 2014

2013-09-24

... Mortgage Life Insurance Statement) Activity Under OMB Review AGENCY: Veterans Benefits Administration... INFORMATION: Title: Veterans Mortgage Life Insurance Statement, VA Form 29-8636. OMB Control Number: 2900-0212...-8636 to decline Veterans Mortgage Life Insurance (VMLI) or to provide information upon which the...

78 FR 8601 - AXA Equitable Life Insurance Company, et al; Notice of Application

Federal Register 2010, 2011, 2012, 2013, 2014

2013-02-06

... SECURITIES AND EXCHANGE COMMISSION [Release No. IC-30373; File No. 812-14036] AXA Equitable Life... the Act. Applicants: AXA Equitable Life Insurance Company (``AXA Equitable''), Separate Account 45 of...: Steven M. Joenk, Senior Vice President, AXA Equitable Life Insurance Company, 1290 Avenue of Americas...

77 FR 38396 - Agency Information Collection (Notice of Lapse-Government Life Insurance) Activities Under OMB...

Federal Register 2010, 2011, 2012, 2013, 2014

2012-06-27

... of Lapse--Government Life Insurance) Activities Under OMB Review AGENCY: Veterans Benefits...--Government Life Insurance, VA Form 29-389. b. Application for Reinstatement, VA Form 29-389-1. OMB Control...-389 and 29-389-1 are used to inform claimants that their government life insurance has lapsed or will...

76 FR 17166 - TIAA-CREF Life Insurance Company, et al.

Federal Register 2010, 2011, 2012, 2013, 2014

2011-03-28

... SECURITIES AND EXCHANGE COMMISSION [Rel. No. IC-29600; File No. 812-13791] TIAA-CREF Life... amended (the ``1940 Act''). Applicants: TIAA-CREF Life Insurance Company (``TC LIFE''), TIAA-CREF Life Separate Account VA-1 (``Separate Account VA-1''), and TIAA-CREF Life Separate Account VLI-1 (``Separate...

76 FR 33003 - TIAA-CREF Life Insurance Company, et al.

Federal Register 2010, 2011, 2012, 2013, 2014

2011-06-07

... SECURITIES AND EXCHANGE COMMISSION [Rel. No. IC-29687; File No. 812-13791] TIAA-CREF Life... (the ``1940 Act''). Applicants: TIAA-CREF Life Insurance Company (``TC LIFE''), TIAA-CREF Life Separate Account VA-1 (``Separate Account VA-1''), and TIAA-CREF Life Separate Account VLI-1 (``Separate Account...

26 CFR 1.79-0 - Group-term life insurance-definitions of certain terms.

Code of Federal Regulations, 2010 CFR

2010-04-01

... 26 Internal Revenue 2 2010-04-01 2010-04-01 false Group-term life insurance-definitions of certain....79-0 Group-term life insurance—definitions of certain terms. The following definitions apply for... policy of life insurance is “carried directly or indirectly” by an employer if— (a) The employer pays any...

26 CFR 1.79-0 - Group-term life insurance-definitions of certain terms.

Code of Federal Regulations, 2011 CFR

2011-04-01

... 26 Internal Revenue 2 2011-04-01 2011-04-01 false Group-term life insurance-definitions of certain....79-0 Group-term life insurance—definitions of certain terms. The following definitions apply for... policy of life insurance is “carried directly or indirectly” by an employer if— (a) The employer pays any...

78 FR 46420 - Proposed Information Collection (Application for Conversion (Government Life Insurance)) Activity...

Federal Register 2010, 2011, 2012, 2013, 2014

2013-07-31

... DEPARTMENT OF VETERANS AFFAIRS [OMB Control No. 2900-0149] Proposed Information Collection (Application for Conversion (Government Life Insurance)) Activity: Comment Request AGENCY: Veterans Benefits... Life Insurance), VA Form 29-0152. OMB Control Number: 2900-0149. Type of Review: Extension of a...

76 FR 2756 - Agency Information Collection (Application for Conversion) (Government Life Insurance) Activity...

Federal Register 2010, 2011, 2012, 2013, 2014

2011-01-14

... DEPARTMENT OF VETERANS AFFAIRS [OMB Control No. 2900-0149] Agency Information Collection (Application for Conversion) (Government Life Insurance) Activity Under OMB Review AGENCY: Veterans Benefits... Conversion (Government Life Insurance), VA Form 29-0152. OMB Control Number: 2900-0149. Type of Review...

75 FR 68036 - Proposed Information Collection (Application for Conversion (Government Life Insurance)) Activity...

Federal Register 2010, 2011, 2012, 2013, 2014

2010-11-04

... DEPARTMENT OF VETERANS AFFAIRS [OMB Control No. 2900-0149] Proposed Information Collection (Application for Conversion (Government Life Insurance)) Activity: Comment Request AGENCY: Veterans Benefits... Life Insurance), VA Form 29-0152. OMB Control Number: 2900-0149. Type of Review: Extension of a...

76 FR 17720 - American Family Life Insurance Company, et al.

Federal Register 2010, 2011, 2012, 2013, 2014

2011-03-30

... SECURITIES AND EXCHANGE COMMISSION [Rel. No. IC-29617; File No. 812-13842] American Family Life... amended (the ``1940 Act''). Applicants: American Family Life Insurance Company (the ``Company''), American Family Variable Account I (the ``Life Account''), and American Family Variable Account II (the ``Annuity...

78 FR 47017 - Submission for Review: Designation of Beneficiary: Federal Employees' Group Life Insurance, SF 2823

Federal Register 2010, 2011, 2012, 2013, 2014

2013-08-02

... Employees' Group Life Insurance, SF 2823 AGENCY: U.S. Office of Personnel Management. ACTION: 60-Day Notice... collection request (ICR) 3206-0136, Designation of Beneficiary: Federal Employees' Group Life Insurance, SF... is used by any Federal employee or retiree covered by the Federal Employees' Group Life Insurance...

How are genetic test results being used by Australian life insurers?

PubMed

Barlow-Stewart, K; Liepins, M; Doble, A; Otlowski, M

2018-06-11

In Australia, the USA and many Asian countries the life insurance industry is self-regulated. Individuals must disclose genetic test results known to them in applications for new or updated policies including cover for critical care, income protection and death. There is limited information regarding how underwriting decisions are made for policies with such disclosures. The Australian Financial Services Council (FSC) provided de-identified data collected on applications with genetic test result disclosure from its life insurance member companies 2010-2013 to enable repetition of an independent examination undertaken of applications 1999-2003: age; gender; genetic condition; testing result; decision-maker; and insurance cover. Data was classified as to test result alone or additional other factors relevant to risk and decision. Where necessary, the FSC facilitated clarification by insurers. 345/548 applications related to adult-onset conditions. The genetic test result solely influenced the decision in 165/345 applications: positive (n = 23), negative (n = 139) and pending (n = 3). Detailed analyses of the decisions in each of these result categories are presented with specific details of 11 test cases. Policies with standard decisions were provided for all negative test results with evidence of reassessment of previous non-standard decisions and 20/23 positive results with recognition of risk reduction strategies. Disclosure of positive results for breast/ovarian cancer, Lynch syndrome and hereditary spastic paraplegia, and three pending results, generated non-standard decisions. The examination demonstrates some progress in addressing concerns in regard to utilisation of genetic test information but the self-regulatory system in Australia only goes some way in meeting internationally recommended best practice.

Industry Wage Surveys: Banking and Life Insurance, December 1976. Part I--Banking. Part II--Life Insurance. Bulletin 1988.

ERIC Educational Resources Information Center

Barsky, Carl

This report presents the results of a survey conducted by the Bureau of Labor Statistics to determine wages and related benefits in (1) the banking industry and (2) for employees in home offices and regional head offices of life insurance carriers. Part 1 discusses banking industry characteristics and presents data for tellers and selected…

26 CFR 1.264-1 - Premiums on life insurance taken out in a trade or business.

Code of Federal Regulations, 2011 CFR

2011-04-01

... transferees, as provided in section 101(a)(2); (2) portions of amounts of life insurance proceeds received at a date later than death under the provisions of section 101(d); and (3) life insurance policy... 26 Internal Revenue 3 2011-04-01 2011-04-01 false Premiums on life insurance taken out in a trade...

26 CFR 1.61-10 - Alimony and separate maintenance payments; annuities; income from life insurance and endowment...

Code of Federal Regulations, 2010 CFR

2010-04-01

...; annuities; income from life insurance and endowment contracts. 1.61-10 Section 1.61-10 Internal Revenue... separate maintenance payments; annuities; income from life insurance and endowment contracts. (a) In general. Alimony and separate maintenance payments, annuities, and income from life insurance and...

78 FR 62716 - Pacific Life Insurance Company, et al; Notice of Application

Federal Register 2010, 2011, 2012, 2013, 2014

2013-10-22

... SECURITIES AND EXCHANGE COMMISSION [Release No. IC-30744; File No. 812-14141] Pacific Life... Act''). Applicants: Pacific Life Insurance Company (``Pacific Life''), Pacific Life's Separate Account A (``Separate Account A''), Pacific Life's Pacific Select Variable Annuity Separate Account...

76 FR 24572 - Proposed Information Collection (Application for Ordinary Life Insurance) Activity: Comment Request

Federal Register 2010, 2011, 2012, 2013, 2014

2011-05-02

... (Application for Ordinary Life Insurance) Activity: Comment Request AGENCY: Veterans Benefits Administration...'s estimate of the burden of the proposed collection of information; (3) ways to enhance the quality... use of other forms of information technology. Titles: a. Application for Ordinary Life Insurance...

26 CFR 1.72-16 - Life insurance contracts purchased under qualified employee plans.

Code of Federal Regulations, 2011 CFR

2011-04-01

... insurance policy at the end of the year, the entire amount of such excess is considered current life... under which the benefits are paid at a date or dates later than the death of the employee, section 101(d... 26 Internal Revenue 2 2011-04-01 2011-04-01 false Life insurance contracts purchased under...

Sets, Probability and Statistics: The Mathematics of Life Insurance.

ERIC Educational Resources Information Center

Clifford, Paul C.; And Others

The practical use of such concepts as sets, probability and statistics are considered by many to be vital and necessary to our everyday life. This student manual is intended to familiarize students with these concepts and to provide practice using real life examples. It also attempts to illustrate how the insurance industry uses such mathematic…

Life insurance and genetic test results: a mutation carrier's fight to achieve full cover.

PubMed

Keogh, Louise A; Otlowski, Margaret F A

2013-09-02

Currently, there is debate about life insurance companies' use of genetic information for assessing applicants. In his early 20s, James (pseudonym) was denied full life insurance cover because he revealed that he had discussed genetic testing with a genetic counsellor. He was later tested and found to carry a mutation in the MSH6 gene; after disclosing this, he was denied cover for cancer by two other life insurance companies. Unsatisfied with the insurance companies' risk assessments, and based on his understanding that regular colonoscopy significantly reduced his risk of cancer, James made a complaint to the Australian Human Rights Commission. After informing the third insurance company that he had done so, he was offered full coverage, which suggests that the company did not have actuarial data to justify its decision. This case provides evidence of the high level of initiative and proactivity required for a consumer to achieve a fair result. Few Australians would be in a position to pursue the level of research and advocacy undertaken by James (a professional with scientific training). We call on a collaborative approach between industry, government and researchers to address the issues that James's case raises about genetic testing and life insurance.

78 FR 53014 - Agency Information Collection (Claim for One Sum Payment (Government Life Insurance)) Activities...

Federal Register 2010, 2011, 2012, 2013, 2014

2013-08-27

... for One Sum Payment (Government Life Insurance)) Activities Under OMB Review AGENCY: Veterans Benefits....'' SUPPLEMENTARY INFORMATION Titles: a. Claim for One Sum Payment (Government Life Insurance), VA Form 29-4125. [[Page 53015

26 CFR 1.818-4 - Election with respect to life insurance reserves computed on preliminary term basis.

Code of Federal Regulations, 2011 CFR

2011-04-01

... 26 Internal Revenue 8 2011-04-01 2011-04-01 false Election with respect to life insurance reserves... Provisions § 1.818-4 Election with respect to life insurance reserves computed on preliminary term basis. (a) In general. Section 818(c) permits a life insurance company issuing contracts with respect to which...

An Exploratory Study of Advancing Mobilization in the Life Insurance Industry: The Case of Taiwan's Nan Shan Life Insurance Corporation.

ERIC Educational Resources Information Center

Luarn, Pin; Lin, Tom M. Y.; Lo, Peter K. Y.

2003-01-01

Employs a case study method, using in-depth interviews of 29 corporate managers and experts, to understand the current state of mobilization in the life insurance industry. Suggests a conceptual framework and formulates possible research propositions incorporating several variables. Suggests 10 key success factors for implementing mobilization in…

TANTAMOUNT TO FRAUD?: EXPLORING NON-DISCLOSURE OF GENETIC INFORMATION IN LIFE INSURANCE APPLICATIONS AS GROUNDS FOR POLICY RESCISSION.

PubMed

Prince, Anya E R

2016-01-01

Many genetic counselors recommend that individuals secure desired insurance policies, such as life insurance, prior to undergoing predictive genetic testing. It has been argued, however, that this practice is "tantamount to fraud" and that failure to disclose genetic test results, or conspiring to secure a policy before testing, opens an individual up to legal recourse. This debate traps affected individuals in a Catch-22. If they apply for life insurance and disclose a genetic test result, they may be denied. If they apply without disclosing the information, they may have committed fraud. The consequences of life insurance fraud are significant: If fraud is found on an application, a life insurer can rescind the policy, in some cases even after the individual has passed away. Such a rescission could leave family members or beneficiaries without the benefits of the life insurance policy payment after the individual's death and place them in in economic difficulty. Although it is clear that lying in response to a direct question about genetic testing would be tantamount to fraud, few, if any, life insurance applications currently include broad questions about genetic testing. This paper investigates whether non-disclosure of unasked for genetic information constitutes fraud and explores varying types of insurance questions that could conceivably be interpreted as seeking genetic information. Life insurance applicants generally have no duty to disclose unasked for information, including genetic information, on an application. However, given the complexities of genetic information, individuals may be exposed to fraud and rescission of their life insurance policy despite honest attempts to truthfully and completely answer all application questions.

Risk adjustment model of credit life insurance using a genetic algorithm

NASA Astrophysics Data System (ADS)

Saputra, A.; Sukono; Rusyaman, E.

2018-03-01

In managing the risk of credit life insurance, insurance company should acknowledge the character of the risks to predict future losses. Risk characteristics can be learned in a claim distribution model. There are two standard approaches in designing the distribution model of claims over the insurance period i.e, collective risk model and individual risk model. In the collective risk model, the claim arises when risk occurs is called individual claim, accumulation of individual claim during a period of insurance is called an aggregate claim. The aggregate claim model may be formed by large model and a number of individual claims. How the measurement of insurance risk with the premium model approach and whether this approach is appropriate for estimating the potential losses occur in the future. In order to solve the problem Genetic Algorithm with Roulette Wheel Selection is used.

17 CFR 270.6c-3 - Exemptions for certain registered variable life insurance separate accounts.

Code of Federal Regulations, 2010 CFR

2010-04-01

... registered variable life insurance separate accounts. 270.6c-3 Section 270.6c-3 Commodity and Securities Exchanges SECURITIES AND EXCHANGE COMMISSION (CONTINUED) RULES AND REGULATIONS, INVESTMENT COMPANY ACT OF 1940 § 270.6c-3 Exemptions for certain registered variable life insurance separate accounts. A separate...

Genetic discrimination and life insurance: a systematic review of the evidence

PubMed Central

2013-01-01

Background Since the late 1980s, genetic discrimination has remained one of the major concerns associated with genetic research and clinical genetics. Europe has adopted a plethora of laws and policies, both at the regional and national levels, to prevent insurers from having access to genetic information for underwriting. Legislators from the United States and the United Kingdom have also felt compelled to adopt protective measures specifically addressing genetics and insurance. But does the available evidence really confirm the popular apprehension about genetic discrimination and the subsequent genetic exceptionalism? Methods This paper presents the results of a systematic, critical review of over 20 years of genetic discrimination studies in the context of life insurance. Results The available data clearly document the existence of individual cases of genetic discrimination. The significance of this initial finding is, however, greatly diminished by four observations. First, the methodology used in most of the studies is not sufficiently robust to clearly establish either the prevalence or the impact of discriminatory practices. Second, the current body of evidence was mostly developed around a small number of 'classic' genetic conditions. Third, the heterogeneity and small scope of most of the studies prevents formal statistical analysis of the aggregate results. Fourth, the small number of reported genetic discrimination cases in some studies could indicate that these incidents took place due to occasional errors, rather than the voluntary or planned choice, of the insurers. Conclusion Important methodological limitations and inconsistencies among the studies considered make it extremely difficult, at the moment, to justify policy action taken on the basis of evidence alone. Nonetheless, other empirical and theoretical factors have emerged (for example, the prevalence and impact of the fear of genetic discrimination among patients and research participants

Genetic discrimination and life insurance: a systematic review of the evidence.

PubMed

Joly, Yann; Ngueng Feze, Ida; Simard, Jacques

2013-01-31

Since the late 1980s, genetic discrimination has remained one of the major concerns associated with genetic research and clinical genetics. Europe has adopted a plethora of laws and policies, both at the regional and national levels, to prevent insurers from having access to genetic information for underwriting. Legislators from the United States and the United Kingdom have also felt compelled to adopt protective measures specifically addressing genetics and insurance. But does the available evidence really confirm the popular apprehension about genetic discrimination and the subsequent genetic exceptionalism? This paper presents the results of a systematic, critical review of over 20 years of genetic discrimination studies in the context of life insurance. The available data clearly document the existence of individual cases of genetic discrimination. The significance of this initial finding is, however, greatly diminished by four observations. First, the methodology used in most of the studies is not sufficiently robust to clearly establish either the prevalence or the impact of discriminatory practices. Second, the current body of evidence was mostly developed around a small number of 'classic' genetic conditions. Third, the heterogeneity and small scope of most of the studies prevents formal statistical analysis of the aggregate results. Fourth, the small number of reported genetic discrimination cases in some studies could indicate that these incidents took place due to occasional errors, rather than the voluntary or planned choice, of the insurers. Important methodological limitations and inconsistencies among the studies considered make it extremely difficult, at the moment, to justify policy action taken on the basis of evidence alone. Nonetheless, other empirical and theoretical factors have emerged (for example, the prevalence and impact of the fear of genetic discrimination among patients and research participants, the (un)importance of genetic

32 CFR Appendix B to Part 50 - Overseas Life Insurance Registration Program

Code of Federal Regulations, 2012 CFR

2012-07-01

.... Insurers must be listed in Best's Life-Health Insurance Reports and be assigned a rating of B+ (Very Good... that occur during the fiscal year of registration must be reported to the MWR Policy Directorate at the.... Failure to report such material changes may result in termination of registration regardless of how it...

32 CFR Appendix B to Part 50 - Overseas Life Insurance Registration Program

Code of Federal Regulations, 2013 CFR

2013-07-01

.... Insurers must be listed in Best's Life-Health Insurance Reports and be assigned a rating of B+ (Very Good... that occur during the fiscal year of registration must be reported to the MWR Policy Directorate at the.... Failure to report such material changes may result in termination of registration regardless of how it...

32 CFR Appendix B to Part 50 - Overseas Life Insurance Registration Program

Code of Federal Regulations, 2014 CFR

2014-07-01

.... Insurers must be listed in Best's Life-Health Insurance Reports and be assigned a rating of B+ (Very Good... that occur during the fiscal year of registration must be reported to the MWR Policy Directorate at the.... Failure to report such material changes may result in termination of registration regardless of how it...

27 CFR 70.164 - Surrender of property subject to levy in the case of life insurance and endowment contracts.

Code of Federal Regulations, 2010 CFR

2010-04-01

... the case of life insurance and endowment contracts. (a) In general. This section provides special rules relating to the surrender of property subject to levy in the case of life insurance and endowment... subject to levy in the case of life insurance and endowment contracts. 70.164 Section 70.164 Alcohol...

Life-Insurance Deals May Be Costly for Colleges

ERIC Educational Resources Information Center

Wolverton, Brad

2007-01-01

In the past two months, nearly 100 colleges have started exploring a financial concept that seems almost too good to be true: collecting hundreds of millions of dollars for long-term capital needs by taking out life-insurance policies on wealthy alumni. The idea started with Oklahoma State University, which said this spring that it had secured…

Pricing of premiums for equity-linked life insurance based on joint mortality models

NASA Astrophysics Data System (ADS)

Riaman; Parmikanti, K.; Irianingsih, I.; Supian, S.

2018-03-01

Life insurance equity - linked is a financial product that not only offers protection, but also investment. The calculation of equity-linked life insurance premiums generally uses mortality tables. Because of advances in medical technology and reduced birth rates, it appears that the use of mortality tables is less relevant in the calculation of premiums. To overcome this problem, we use a combination mortality model which in this study is determined based on Indonesian Mortality table 2011 to determine the chances of death and survival. In this research, we use the Combined Mortality Model of the Weibull, Inverse-Weibull, and Gompertz Mortality Model. After determining the Combined Mortality Model, simulators calculate the value of the claim to be given and the premium price numerically. By calculating equity-linked life insurance premiums well, it is expected that no party will be disadvantaged due to the inaccuracy of the calculation result

26 CFR 1.264-1 - Premiums on life insurance taken out in a trade or business.

Code of Federal Regulations, 2010 CFR

2010-04-01

... section 101(a)(2); (2) portions of amounts of life insurance proceeds received at a date later than death... 26 Internal Revenue 3 2010-04-01 2010-04-01 false Premiums on life insurance taken out in a trade... TREASURY (CONTINUED) INCOME TAX (CONTINUED) INCOME TAXES Items Not Deductible § 1.264-1 Premiums on life...

The transformation of morals in markets: death, benefits, and the exchange of life insurance policies.

PubMed

Quinn, Sarah

2008-11-01

This article adopts an institutional approach to describe the changing secondary market for life insurance in the United States. Since the 1990s, this market, in which investors buy strangers' life insurance policies, has grown in the face of considerable moral ambivalence. The author uses news reports and interviews to identify and describe three conceptions of this market: sacred revulsion, consumerist consolation, and rationalized reconciliation. Differences among the conceptions are considered in view of the institutional legacy of life insurance and its success in organizing practices, perceptions, and understandings about markets and death. From this case, the author draws implications for analyses of morals in markets, an important and emergent topic within economic sociology.

26 CFR 1.264-4 - Other life insurance, endowment, or annuity contracts.

Code of Federal Regulations, 2011 CFR

2011-04-01

... 26 Internal Revenue 3 2011-04-01 2011-04-01 false Other life insurance, endowment, or annuity... (CONTINUED) INCOME TAX (CONTINUED) INCOME TAXES (CONTINUED) Items Not Deductible § 1.264-4 Other life... during the taxable year on indebtedness incurred or continued to purchase or continue in effect a life...

26 CFR 1.264-4 - Other life insurance, endowment, or annuity contracts.

Code of Federal Regulations, 2013 CFR

2013-04-01

... 26 Internal Revenue 3 2013-04-01 2013-04-01 false Other life insurance, endowment, or annuity... (CONTINUED) INCOME TAX (CONTINUED) INCOME TAXES (CONTINUED) Items Not Deductible § 1.264-4 Other life... during the taxable year on indebtedness incurred or continued to purchase or continue in effect a life...

26 CFR 1.264-4 - Other life insurance, endowment, or annuity contracts.

Code of Federal Regulations, 2012 CFR

2012-04-01

... 26 Internal Revenue 3 2012-04-01 2012-04-01 false Other life insurance, endowment, or annuity... (CONTINUED) INCOME TAX (CONTINUED) INCOME TAXES (CONTINUED) Items Not Deductible § 1.264-4 Other life... during the taxable year on indebtedness incurred or continued to purchase or continue in effect a life...

26 CFR 1.264-4 - Other life insurance, endowment, or annuity contracts.

Code of Federal Regulations, 2014 CFR

2014-04-01

... 26 Internal Revenue 3 2014-04-01 2014-04-01 false Other life insurance, endowment, or annuity... (CONTINUED) INCOME TAX (CONTINUED) INCOME TAXES (CONTINUED) Items Not Deductible § 1.264-4 Other life... during the taxable year on indebtedness incurred or continued to purchase or continue in effect a life...

75 FR 27377 - Jackson National Life Insurance Company of New York, et al.

Federal Register 2010, 2011, 2012, 2013, 2014

2010-05-14

... Life Insurance Company of New York, et al. May 10, 2010. AGENCY: The Securities and Exchange Commission... purchase payments made under certain deferred variable annuity contracts. Applicants: Jackson National Life...''), and Jackson National Life Distributors LLC (``Distributor,'' and collectively ``Applicants''). Summary...

'Genetics is not the issue': insurers on genetics and life insurance.

PubMed

Van Hoyweghen, Ine; Horstman, Klasien; Schepers, Rita

2005-04-01

This article offers an analysis of the way private insurers deal with the issue of genetics and insurance. Drawing on specific written insurance sources, a reconstruction is made of internal debates on genetics and insurance within the private insurance world in Europe and the United States. The article starts by analyzing the way insurers initially framed the issue of genetics. It proceeds by showing how ideas with respect to this issue developed beyond public policy debates in the nineties. Although not a strictly linear development, a trend towards a change in perspective can be demonstrated: at the beginning most insurance companies took another stance than they do nowadays. The article concludes by questioning the effect of these changes within the insurance world for the definition of the problem with respect to genetics and insurance. Does taking into account the public concerns around genetics also include taking genetics as a public problem?

26 CFR 1.7702-2 - Attained age of the insured under a life insurance contract.

Code of Federal Regulations, 2012 CFR

2012-04-01

... became 60 years old on May 1, 2007. On January 1, 2008, X purchases from IC a contract insuring X's life... January 1, 2008, is May 1, 2008, when X will become 61 years old. Based on the method used by IC to... changes annually. Accordingly, X continues to be 63 years old throughout the contract year beginning...

26 CFR 1.7702-2 - Attained age of the insured under a life insurance contract.

Code of Federal Regulations, 2011 CFR

2011-04-01

... became 60 years old on May 1, 2007. On January 1, 2008, X purchases from IC a contract insuring X's life... January 1, 2008, is May 1, 2008, when X will become 61 years old. Based on the method used by IC to... changes annually. Accordingly, X continues to be 63 years old throughout the contract year beginning...

Improved access to life insurance after genetic diagnosis of familial hypercholesterolaemia: cross-sectional postal questionnaire study

PubMed Central

Huijgen, Roeland; Homsma, Sietske JM; Hutten, Barbara A; Kindt, Iris; Vissers, Maud N; Kastelein, John JP; van Rijckevorsel, Jan LA

2012-01-01

A decade ago, in the initial stage of genetic testing for familial hypercholesterolaemia (FH) in The Netherlands, it was reported that such screening decreased access to affordable life insurance for mutation carriers. In 2003, in order to improve access to insurance for FH mutation carriers, insurers agreed to underwrite according to a set of guidelines. In this cross-sectional study, we assessed whether access to insurance has improved since the advent of these guidelines. We approached 2825 subjects that had participated in the genetic testing for FH between 1998 and 2003. We compared unconditional acceptance rates before and after FH diagnosis and before and after the guidelines were issued by means of logistic regression analysis. Our study outcome pertains to 414 FH patients who applied for life insurance. Unconditional acceptance of a policy before DNA diagnosis and before the issue of guidelines occurred in 182 out of 255 (71%) cases, versus 27 out of 35 (77%) cases after DNA diagnosis, but before the issue of guidelines. De facto, 107 out of 124 (86%) patients received unconditional acceptance after DNA diagnosis and after the issue of guidelines (P for trend=0.002). Access to life insurance improved for FH patients after molecular diagnosis and it improved even further after the guidelines were issued. Therefore, we argue that limited access to life insurance on the basis of ‘DNA discrimination' is no longer a valid argument against genetic cascade testing for FH, at least not in our country. PMID:22293687

75 FR 39994 - AXA Equitable Life Insurance Company, et al.; Notice of Application

Federal Register 2010, 2011, 2012, 2013, 2014

2010-07-13

... SECURITIES AND EXCHANGE COMMISSION [Release No. IC-29338; File No. 812-13686] AXA Equitable Life... securities and for an order of exemption pursuant to Section 17(b) of the Act. APPLICANTS: AXA Equitable Life... Equitable Separate Accounts''), MONY Life Insurance Company of America (``MLOA'') and MONY America Variable...

Right hepatic lobe donation adversely affects donor life insurability up to one year after donation.

PubMed

Nissing, Matthew H; Hayashi, Paul H

2005-07-01

There are no data regarding hepatic lobe donation effects on donor life insurability. Two investigators called 10 agents of 10 different large life insurance companies. One investigator gave a fictitious profile: Caucasian man, 33 years old, nonsmoker, without medical problems (control profile [CP]). The other investigator used the same profile with a history of uncomplicated right lobe donation 12 months earlier (donor profile [DP]). Investigators asked for premium quotes on a $100,000 term life policy. No medical testing or record review was allowed. Investigators were blinded to the results of each other's calls. Agents were unaware of the study. We documented underwriting decisions, premiums quoted, stipulations, number of phone calls, and phone time. All 10 companies would pursue underwriting CP at their lowest, "preferred" rate. Five would do the same for DP. Two might underwrite DP at a more expensive "standard" rate, but a "preferred" rate would be less likely. One would underwrite DP at the "standard" rate; one would not underwrite DP. One agent did not return follow-up calls (DP insurability < CP, P = 0.04). Mean quoted premiums were lower for CP vs. DP ($189/yr. vs. $202/yr., P = 0.56). Median number of phone calls required was 1 for CP and 3 for DP (P = 0.01). Mean telephone minutes were 4.2 for CP and 8.0 for DP (P = 0.004). In conclusion, right hepatic lobe donation decreases life insurability 1 year after uncomplicated donation. Donors can expect some increased difficulty obtaining life insurance, but they should find a company willing to pursue underwriting. The premium paid may be slightly higher.

Estimation model of life insurance claims risk for cancer patients by using Bayesian method

NASA Astrophysics Data System (ADS)

Sukono; Suyudi, M.; Islamiyati, F.; Supian, S.

2017-01-01

This paper discussed the estimation model of the risk of life insurance claims for cancer patients using Bayesian method. To estimate the risk of the claim, the insurance participant data is grouped into two: the number of policies issued and the number of claims incurred. Model estimation is done using a Bayesian approach method. Further, the estimator model was used to estimate the risk value of life insurance claims each age group for each sex. The estimation results indicate that a large risk premium for insured males aged less than 30 years is 0.85; for ages 30 to 40 years is 3:58; for ages 41 to 50 years is 1.71; for ages 51 to 60 years is 2.96; and for those aged over 60 years is 7.82. Meanwhile, for insured women aged less than 30 years was 0:56; for ages 30 to 40 years is 3:21; for ages 41 to 50 years is 0.65; for ages 51 to 60 years is 3:12; and for those aged over 60 years is 9.99. This study is useful in determining the risk premium in homogeneous groups based on gender and age.

26 CFR 1.101-4 - Payment of life insurance proceeds at a date later than death.

Code of Federal Regulations, 2010 CFR

2010-04-01

... Income § 1.101-4 Payment of life insurance proceeds at a date later than death. (a) In general. (1)(i... 26 Internal Revenue 2 2010-04-01 2010-04-01 false Payment of life insurance proceeds at a date... (whether as an option or otherwise) to pay such beneficiary an amount or amounts at a date or dates later...

26 CFR 1.79-3 - Determination of amount equal to cost of group-term life insurance.

Code of Federal Regulations, 2011 CFR

2011-04-01

... Income § 1.79-3 Determination of amount equal to cost of group-term life insurance. (a) In general. This...'s age at his nearest birthday on June 30th of the calendar year. (iv) If the policy of group-term... group-term life insurance provided before July 1, 1999. For purposes of Table I, the age of the employee...

26 CFR 1.264-1 - Premiums on life insurance taken out in a trade or business.

Code of Federal Regulations, 2012 CFR

2012-04-01

... 26 Internal Revenue 3 2012-04-01 2012-04-01 false Premiums on life insurance taken out in a trade or business. 1.264-1 Section 1.264-1 Internal Revenue INTERNAL REVENUE SERVICE, DEPARTMENT OF THE TREASURY (CONTINUED) INCOME TAX (CONTINUED) INCOME TAXES (CONTINUED) Items Not Deductible § 1.264-1 Premiums on life insurance taken out in a trade or...

78 FR 77366 - Federal Employee Dental and Vision Insurance Program; Qualifying Life Event Amendments

Federal Register 2010, 2011, 2012, 2013, 2014

2013-12-23

... Insurance Program; Qualifying Life Event Amendments AGENCY: U.S. Office of Personnel Management. ACTION... enrollment opportunities so FEDVIP enrollees can make enrollment changes under the same qualifying life... amended by removing the definition of QLE and adding in its place a definition of QLE qualifying life...

Scoring life insurance applicants' laboratory results, blood pressure and build to predict all-cause mortality risk.

PubMed

Fulks, Michael; Stout, Robert L; Dolan, Vera F

2012-01-01

Evaluate the degree of medium to longer term mortality prediction possible from a scoring system covering all laboratory testing used for life insurance applicants, as well as blood pressure and build measurements. Using the results of testing for life insurance applicants who reported a Social Security number in conjunction with the Social Security Death Master File, the mortality associated with each test result was defined by age and sex. The individual mortality scores for each test were combined for each individual and a composite mortality risk score was developed. This score was then tested against the insurance applicant dataset to evaluate its ability to discriminate risk across age and sex. The composite risk score was highly predictive of all-cause mortality risk in a linear manner from the best to worst quintile of scores in a nearly identical fashion for each sex and decade of age. Laboratory studies, blood pressure and build from life insurance applicants can be used to create scoring that predicts all-cause mortality across age and sex. Such an approach may hold promise for preventative health screening as well.

20 CFR 404.1008 - Agent-driver or commission-driver, full-time life insurance salesman, home worker, or traveling...

Code of Federal Regulations, 2010 CFR

2010-04-01

... commission-driver, full-time life insurance salesman, home worker, or traveling or city salesman. (a) General... 20 Employees' Benefits 2 2010-04-01 2010-04-01 false Agent-driver or commission-driver, full-time life insurance salesman, home worker, or traveling or city salesman. 404.1008 Section 404.1008...

20 CFR 404.1008 - Agent-driver or commission-driver, full-time life insurance salesman, home worker, or traveling...

Code of Federal Regulations, 2012 CFR

2012-04-01

... commission-driver, full-time life insurance salesman, home worker, or traveling or city salesman. (a) General... 20 Employees' Benefits 2 2012-04-01 2012-04-01 false Agent-driver or commission-driver, full-time life insurance salesman, home worker, or traveling or city salesman. 404.1008 Section 404.1008...

20 CFR 404.1008 - Agent-driver or commission-driver, full-time life insurance salesman, home worker, or traveling...

Code of Federal Regulations, 2013 CFR

2013-04-01

... commission-driver, full-time life insurance salesman, home worker, or traveling or city salesman. (a) General... 20 Employees' Benefits 2 2013-04-01 2013-04-01 false Agent-driver or commission-driver, full-time life insurance salesman, home worker, or traveling or city salesman. 404.1008 Section 404.1008...

20 CFR 404.1008 - Agent-driver or commission-driver, full-time life insurance salesman, home worker, or traveling...

Code of Federal Regulations, 2014 CFR

2014-04-01

... commission-driver, full-time life insurance salesman, home worker, or traveling or city salesman. (a) General... 20 Employees' Benefits 2 2014-04-01 2014-04-01 false Agent-driver or commission-driver, full-time life insurance salesman, home worker, or traveling or city salesman. 404.1008 Section 404.1008...

20 CFR 404.1008 - Agent-driver or commission-driver, full-time life insurance salesman, home worker, or traveling...

Code of Federal Regulations, 2011 CFR

2011-04-01

... commission-driver, full-time life insurance salesman, home worker, or traveling or city salesman. (a) General... 20 Employees' Benefits 2 2011-04-01 2011-04-01 false Agent-driver or commission-driver, full-time life insurance salesman, home worker, or traveling or city salesman. 404.1008 Section 404.1008...

75 FR 68038 - Agency Information Collection (Veterans Mortgage Life Insurance Statement) Activity Under OMB Review

Federal Register 2010, 2011, 2012, 2013, 2014

2010-11-04

... Mortgage Life Insurance Statement) Activity Under OMB Review AGENCY: Veterans Benefits Administration... . Please refer to ``OMB Control No. 2900- 0212.'' SUPPLEMENTARY INFORMATION: Title: Veterans Mortgage Life... currently approved collection. Abstract: Veterans complete VA Form 29-8636 to decline Veterans Mortgage Life...

A Study to Identify the Training Needs of Life Insurance Sales Representatives in Taiwan Using the Delphi Approach

ERIC Educational Resources Information Center

Fan, Chiang Ku; Cheng, Chen-Liang

2006-01-01

This article reports a study conducted to identify the needs for continuing professional development for life insurance sales representatives and to examine the competencies needed by those sales representatives. A modified Delphi technique was used. Most life insurance companies in the USA implement an education and training plan advocated by the…

Sets, Probability and Statistics: The Mathematics of Life Insurance. [Computer Program.] Second Edition.

ERIC Educational Resources Information Center

King, James M.; And Others

The materials described here represent the conversion of a highly popular student workbook "Sets, Probability and Statistics: The Mathematics of Life Insurance" into a computer program. The program is designed to familiarize students with the concepts of sets, probability, and statistics, and to provide practice using real life examples. It also…

26 CFR 1.817-5 - Diversification requirements for variable annuity, endowment, and life insurance contracts.

Code of Federal Regulations, 2010 CFR

2010-04-01

... insurance contract for any calendar quarter period for which the investments of any such account are not... subsequent period even if the investments are adequately diversified for such subsequent period. If a... foreign) law is not treated as a life insurance or endowment contract under section 7702(a), the income on...

Queer(ed) risks: life insurance, HIV/AIDS, and the "gay question".

PubMed

Cobb, Neil

2010-01-01

In 2004 the Association of British Insurers (ABI) issued its second Statement of Best Practice on HIV and Insurance. This prohibited use of the "gay question" (employed by some underwriters in application forms for life insurance to identify heightened risk of infection with HIV), in response to growing criticism that the practice was actuarially unreliable, unfair to gay men, and unnecessary, given the availability of alternative "behaviour-based" risk criteria. While the overhaul of this controversial practice is clearly a victory for gay (male) identity politics, this paper argues that the interests of gay men seem to have dominated at the expense of a more far-reaching critique of the industry's evaluation of infection risk. It contends that a more radical (or "queerer") challenge is needed which can better understand and address the injustices created by criteria for appraising risk of infection that still remain in place.

38 CFR 8.12 - Payment of the cash value of National Service Life Insurance in monthly installments under...

Code of Federal Regulations, 2010 CFR

2010-07-01

... thereunder, whichever is later. (b) [Reserved] [36 FR 4384, Mar. 5, 1971. Redesignated and amended at 61 FR... of National Service Life Insurance in monthly installments under section 1917(e) of title 38 U.S.C. 8... SERVICE LIFE INSURANCE Cash Value and Policy Loan § 8.12 Payment of the cash value of National Service...

38 CFR 8.12 - Payment of the cash value of National Service Life Insurance in monthly installments under...

Code of Federal Regulations, 2011 CFR

2011-07-01

... thereunder, whichever is later. (b) [Reserved] [36 FR 4384, Mar. 5, 1971. Redesignated and amended at 61 FR... of National Service Life Insurance in monthly installments under section 1917(e) of title 38 U.S.C. 8... SERVICE LIFE INSURANCE Cash Value and Policy Loan § 8.12 Payment of the cash value of National Service...

77 FR 3810 - New York Life Insurance and Annuity Corporation, et al., Notice of Application

Federal Register 2010, 2011, 2012, 2013, 2014

2012-01-25

... SECURITIES AND EXCHANGE COMMISSION [Release No. IC-29923; File No. 812-13902] New York Life... Act from Section 17(a) of the 1940 Act. Applicants: New York Life Insurance and Annuity Corporation... Annuity Separate Account--IV (``VA IV''), NYLIAC Variable Universal Life Separate Account--I (``VUL I...

26 CFR 1.501(c)(12)-1 - Local benevolent life insurance associations, mutual irrigation and telephone companies, and like...

Code of Federal Regulations, 2010 CFR

2010-04-01

... 26 Internal Revenue 7 2010-04-01 2010-04-01 true Local benevolent life insurance associations, mutual irrigation and telephone companies, and like organizations. 1.501(c)(12)-1 Section 1.501(c)(12)-1...) INCOME TAXES (CONTINUED) Exempt Organizations § 1.501(c)(12)-1 Local benevolent life insurance...

26 CFR 1.501(c)(12)-1 - Local benevolent life insurance associations, mutual irrigation and telephone companies, and like...

Code of Federal Regulations, 2011 CFR

2011-04-01

... 26 Internal Revenue 7 2011-04-01 2009-04-01 true Local benevolent life insurance associations, mutual irrigation and telephone companies, and like organizations. 1.501(c)(12)-1 Section 1.501(c)(12)-1...) INCOME TAXES (CONTINUED) Exempt Organizations § 1.501(c)(12)-1 Local benevolent life insurance...

78 FR 56757 - Submission for Review: Federal Employees' Group Life Insurance (FEGLI)

Federal Register 2010, 2011, 2012, 2013, 2014

2013-09-13

... OFFICE OF PERSONNEL MANAGEMENT Submission for Review: Federal Employees' Group Life Insurance (FEGLI) AGENCY: Office of Personnel Management. ACTION: 30-Day Notice and request for comments. SUMMARY: The Office of Planning and Policy Analysis, Office of Personnel Management (OPM) offers the general...

Modeling Flood Insurance Penetration in the European Non-Life Market: An Overview

NASA Astrophysics Data System (ADS)

Mohan, P.; Thomson, M.-K.; Das, A.

2012-04-01

Non-life property insurance plays a significant role in assessing and managing economic risk. Understanding the exposure, or property at risk, helps insurers and reinsurers to better categorize and manage their portfolios. However, the nature of the flood peril, in particular adverse selection, has led to a complex system of different insurance covers and policies across Europe owing to its public and private distinctions based on premiums provided as ex ante or ex post, socio-economic characterization and various compensation schemes. To model this significant level of complexity within the European flood insurance market requires not only extensive data research, close understanding of insurance companies and associations as well as historic flood events, but also careful evaluation of the flood hazard in terms of return periods and flood extents, and the economic/ financial background of the geographies involved. This abstract explores different approaches for modeling the flood insurance penetration rates in Europe depending on the information available and complexity involved. For countries which have either a regulated market with mandatory or high penetration rate, as for example found in the UK, France and Switzerland, or indeed countries with negligible insurance cover such as Luxembourg, assumptions about the penetration rates can be made at country level. However, in countries with a private insurance market, the picture becomes inherently more complex. For example in both Austria and Germany, flood insurance is generally restricted, associated with high costs to the insured or not available at all in high risk areas. In order to better manage flood risk, the Austria and German government agencies produced the risk classification systems HORA and ZÜRS, respectively, which categorize risk into four risk zones based on the exceedance probability of a flood occurrence. Except for regions that have preserved mandatory flood inclusion from past policies

Failure factors in non-life insurance companies in United Kingdom

NASA Astrophysics Data System (ADS)

Samsudin, Humaida Banu

2013-04-01

Failure in insurance company is a condition of financial distress where a company has difficulty paying off its financial obligations to its creditors. This study continues the research from the study in identifying the determinants for run-off non-life insurance companies in United Kingdom. The analysis continues to identify other variables that could lead companies to financial distress that is macroeconomic factors (GDP rates, inflation rates and interest rates); total companies failed a year before and average size for failed companies'. The result from the analysis indicates that inflation rates, interest rates, total companies failed a year before and average sizes for failed companies are the best predictors. An early detection of failure can prevent companies from bankruptcy and allow management to take action to reduce the failure costs.

The Social Life of Health Insurance in Low- to Middle-income Countries: An Anthropological Research Agenda.

PubMed

Dao, Amy; Nichter, Mark

2016-03-01

The following article identifies new areas for engaged medical anthropological research on health insurance in low- and middle-income countries (LMICs). Based on a review of the literature and pilot research, we identify gaps in how insurance is understood, administered, used, and abused. We provide a historical overview of insurance as an emerging global health panacea and then offer brief assessments of three high-profile attempts to provide universal health coverage. Considerable research on health insurance in LMICs has been quantitative and focused on a limited set of outcomes. To advance the field, we identify eight productive areas for future ethnographic research that will add depth to our understanding of the social life and impact of health insurance in LMICs. Anthropologists can provide unique insights into shifting health and financial practices that accompany insurance coverage, while documenting insurance programs as they evolve and respond to contingencies. © 2015 by the American Anthropological Association.

78 FR 28007 - Submission for Review: Federal Employees' Group Life Insurance (FEGLI) Implementation...

Federal Register 2010, 2011, 2012, 2013, 2014

2013-05-13

... OFFICE OF PERSONNEL MANAGEMENT Submission for Review: Federal Employees' Group Life Insurance (FEGLI) Implementation Questionnaire for Tribal Employers AGENCY: U.S. Office of Personnel Management. ACTION: 60-Day Notice and request for comments. SUMMARY: The Office of Planning and Policy Analysis...

Choice--Chance--Control. That's Life. Learning about Insurance through Secondary School Courses. Insurance Basics for Everyone; Social Sciences; Mathematics; Consumer Economics.

ERIC Educational Resources Information Center

Insurance Education Foundation, Indianapolis, IN.

This guide, which is designed for use with secondary school students, contains four units of activities that teach the fundamentals of insurance within the context of a broad range of subjects, including social sciences, history, civics, government, mathematics, consumer economics, business, economics, life skills, family management, home…

17 CFR 274.302 - Form N-27I-1, notice of right of withdrawal and refund for variable life insurance...

Code of Federal Regulations, 2010 CFR

2010-04-01

... of withdrawal and refund for variable life insurance contractholders required pursuant to Rule 6e-2... for Exemptions § 274.302 Form N-27I-1, notice of right of withdrawal and refund for variable life insurance contractholders required pursuant to Rule 6e-2 (§ 270.6e-2 of this chapter). [41 FR 47032, Oct. 27...

26 CFR 1.101-4 - Payment of life insurance proceeds at a date later than death.

Code of Federal Regulations, 2011 CFR

2011-04-01

... later than death. 1.101-4 Section 1.101-4 Internal Revenue INTERNAL REVENUE SERVICE, DEPARTMENT OF THE... Income § 1.101-4 Payment of life insurance proceeds at a date later than death. (a) In general. (1)(i... the death of the insured which are paid to a beneficiary on a date or dates later than the death of...

26 CFR 1.101-4 - Payment of life insurance proceeds at a date later than death.

Code of Federal Regulations, 2012 CFR

2012-04-01

... later than death. 1.101-4 Section 1.101-4 Internal Revenue INTERNAL REVENUE SERVICE, DEPARTMENT OF THE... Income § 1.101-4 Payment of life insurance proceeds at a date later than death. (a) In general. (1)(i... the death of the insured which are paid to a beneficiary on a date or dates later than the death of...

26 CFR 1.101-4 - Payment of life insurance proceeds at a date later than death.

Code of Federal Regulations, 2013 CFR

2013-04-01

... later than death. 1.101-4 Section 1.101-4 Internal Revenue INTERNAL REVENUE SERVICE, DEPARTMENT OF THE... Income § 1.101-4 Payment of life insurance proceeds at a date later than death. (a) In general. (1)(i... the death of the insured which are paid to a beneficiary on a date or dates later than the death of...

26 CFR 1.101-4 - Payment of life insurance proceeds at a date later than death.

Code of Federal Regulations, 2014 CFR

2014-04-01

... later than death. 1.101-4 Section 1.101-4 Internal Revenue INTERNAL REVENUE SERVICE, DEPARTMENT OF THE... Income § 1.101-4 Payment of life insurance proceeds at a date later than death. (a) In general. (1)(i... the death of the insured which are paid to a beneficiary on a date or dates later than the death of...

32 CFR Appendix A to Part 50 - Life Insurance Products and Securities

Code of Federal Regulations, 2013 CFR

2013-07-01

... the contract shall draw the attention of the policyholder to any restrictions by reason of Military... simultaneously. In cases of commingled sales, the allotment of pay for the purchase of securities cannot be made to the insurer. C. Use of the Allotment of Pay System 1. Allotments of military pay for life...

32 CFR Appendix A to Part 50 - Life Insurance Products and Securities

Code of Federal Regulations, 2012 CFR

2012-07-01

... the contract shall draw the attention of the policyholder to any restrictions by reason of Military... simultaneously. In cases of commingled sales, the allotment of pay for the purchase of securities cannot be made to the insurer. C. Use of the Allotment of Pay System 1. Allotments of military pay for life...

32 CFR Appendix A to Part 50 - Life Insurance Products and Securities

Code of Federal Regulations, 2014 CFR

2014-07-01

... the contract shall draw the attention of the policyholder to any restrictions by reason of Military... simultaneously. In cases of commingled sales, the allotment of pay for the purchase of securities cannot be made to the insurer. C. Use of the Allotment of Pay System 1. Allotments of military pay for life...

26 CFR 1.79-3 - Determination of amount equal to cost of group-term life insurance.

Code of Federal Regulations, 2010 CFR

2010-04-01

... an employee's life which is to be included in his gross income pursuant to the rule of inclusion set..., of group-term life insurance on such employee's life to which the rule of inclusion set forth in... policy, or portion of a policy, which qualifies for one of the exceptions to the rule of inclusion...

12 CFR 618.8040 - Authorized insurance services.

Code of Federal Regulations, 2011 CFR

2011-01-01

... basis, credit or term life and credit disability insurance appropriate to protect the loan commitment in... System bank or association may provide credit or term-life or credit-disability insurance only to persons... institution is the provider. Term-life insurance coverage may continue after the loan has been repaid or the...

[Insurance system. Prevention from viewpoint of the insurer].

PubMed

Brechtbühl, P

1978-12-01

The purpose of an insurance must not be restricted to the payment of claims to those insured persons who suffered a loss, for loss prevention is much preferable to claim settlement. A whole range of different institutions and measures has been established by the Swiss insurers, in which many insurance branches participate. The loss preventing activities can be listed as follows:--Activities of the fire insurers to prevent and fight fires. This is the prevailing duty of the Consulting Agency for Fire Prevention (BfB) as well as the Fire Prevention Service for Industry and Trade (BVD).--Activities of the accident insurers to prevent accidents. The fight against accidents, mostly traffic accidents, in sports and at home is the foremost task of the Swiss Council for the Prevention of Accidents (BfU), an institution created by the Conference of Accident Insurance Managers (UDK) and the Swiss National Accident Insurance Fund (SUVA).--The Health Service in life insurance, after all the periodical medical examinations and consultations granted by many insurers to their insured persons, as well as the pamphlets aiming at health education published by several Companies and finally institutions and measures to promote fitness, e.g. VITA-Parcours.

Effect of a new diagnosis of Barrett's esophagus on insurance status.

PubMed

Shaheen, Nicholas J; Dulai, Gareth S; Ascher, Brian; Mitchell, Kate L; Schmitz, Sarah M

2005-03-01

companies changed their quoted rates after receiving the letter written by the physician on behalf of the individual. Despite the preponderance of data demonstrating a normal life expectancy associated with the condition, a diagnosis of BE more than doubles life insurance premiums, and impacts the availability of health insurance. Further steps to educate insurance companies about the risks associated with BE are warranted, and patients should understand this additional "risk" of endoscopic screening for BE. There are significant indirect costs associated with a diagnosis of BE.

The Application Law of Large Numbers That Predicts The Amount of Actual Loss in Insurance of Life

NASA Astrophysics Data System (ADS)

Tinungki, Georgina Maria

2018-03-01

The law of large numbers is a statistical concept that calculates the average number of events or risks in a sample or population to predict something. The larger the population is calculated, the more accurate predictions. In the field of insurance, the Law of Large Numbers is used to predict the risk of loss or claims of some participants so that the premium can be calculated appropriately. For example there is an average that of every 100 insurance participants, there is one participant who filed an accident claim, then the premium of 100 participants should be able to provide Sum Assured to at least 1 accident claim. The larger the insurance participant is calculated, the more precise the prediction of the calendar and the calculation of the premium. Life insurance, as a tool for risk spread, can only work if a life insurance company is able to bear the same risk in large numbers. Here apply what is called the law of large number. The law of large numbers states that if the amount of exposure to losses increases, then the predicted loss will be closer to the actual loss. The use of the law of large numbers allows the number of losses to be predicted better.

Solvency II solvency capital requirement for life insurance companies based on expected shortfall.

PubMed

Boonen, Tim J

2017-01-01

This paper examines the consequences for a life annuity insurance company if the solvency II solvency capital requirements (SCR) are calibrated based on expected shortfall (ES) instead of value-at-risk (VaR). We focus on the risk modules of the SCRs for the three risk classes equity risk, interest rate risk and longevity risk. The stress scenarios are determined using the calibration method proposed by EIOPA in 2014. We apply the stress-scenarios for these three risk classes to a fictitious life annuity insurance company. We find that for EIOPA's current quantile 99.5% of the VaR, the stress scenarios of the various risk classes based on ES are close to the stress scenarios based on VaR. Might EIOPA choose to calibrate the stress scenarios on a smaller quantile, the longevity SCR is relatively larger and the equity SCR is relatively smaller if ES is used instead of VaR. We derive the same conclusion if stress scenarios are determined with empirical stress scenarios.

Genetics and Personal Insurance: the Perspectives of Canadian Cancer Genetic Counselors.

PubMed

Lane, Michelle; Ngueng Feze, Ida; Joly, Yann

2015-12-01

Genetic discrimination in the context of genetic testing has been identified as a concern for symptomatic and asymptomatic individuals for more than three decades. Genetic counselors are often the health care professionals who discuss risks and benefits of genetic testing with patients, thereby making them most appropriate to address patient concerns about genetics and personal insurance (i.e., life, life as related to mortgage or group insurance, disability, critical illness and travel). A pilot study was conducted to ascertain the current practices of Canadian cancer genetic counselors in regard to their discussions with patients about genetic testing and access to personal insurance. Among the 36 counselors surveyed, 100 % reported discussing the issue of genetic testing and personal insurance with their patients. Several factors influenced the content, depth and length of these discussions including age, cancer status, family members, and patients' current and future insurance needs. Counselors reported discussing with patients the possible impact of genetic test results on access to personal insurance, possible access and use of patient genetic information by insurance companies, and whom patients should contact if they have additional questions. The most commonly reported inquiries from patients included questions about the possible impact of genetic testing on their ability to obtain insurance, and the insurability of family members. While 28 % of counselors reported having been contacted by an insurer requesting access to patient information, only one counselor was aware of or could recall the outcome of such a request. This pilot study revealed that issues concerning genetics and personal insurance are commonly discussed in Canadian cancer genetic counseling sessions. Counselors furthermore expressed a need for additional educational resources on the topic of genetics and personal insurance for themselves and their patients.

Disability Insurance and the Dynamics of the Incentive Insurance Trade-Off.

PubMed

Low, Hamish; Pistaferri, Luigi

2018-10-01

We provide a life-cycle framework for comparing insurance and disincentive effects of disability benefits. The risks that individuals face and the parameters of the Disability Insurance (DI ) program are estimated from consumption, health, disability insurance, and wage data. We characterize the effects of disability insurance and study how policy reforms impact behavior and welfare. DI features high rejection rates of disabled applicants and some acceptance of healthy applicants. Despite worse incentives, welfare increases as programs become less strict or generosity increases. Disability insurance interacts with welfare programs: making unconditional means-tested programs more generous improves disability insurance targeting and increases welfare.

17 CFR 274.303 - Form N-27I-2, notice of withdrawal right and statement of charges for variable life insurance...

Code of Federal Regulations, 2010 CFR

2010-04-01

... variable life insurance contractholders required pursuant to Rule 6e-2 (§ 270.6e-2 of this chapter). [41 FR... withdrawal right and statement of charges for variable life insurance contractholders required pursuant to Rule 6e-2 (§ 270.6e-2 of this chapter). 274.303 Section 274.303 Commodity and Securities Exchanges...

26 CFR 1.72-16 - Life insurance contracts purchased under qualified employee plans.

Code of Federal Regulations, 2010 CFR

2010-04-01

... includible in the gross income of the employee under this paragraph shall be considered as premiums or other... in Gross Income § 1.72-16 Life insurance contracts purchased under qualified employee plans. (a) Applicability of section. This section provides rules for the tax treatment of premiums paid under qualified...

The Lexis plot for run-off non-life insurance companies in United Kingdom

NASA Astrophysics Data System (ADS)

Samsudin, Humaida Banu

2014-06-01

This study is intended to look at the company's age to be one of the predictor for financially distressed non-life insurance companies in United Kingdom. Financial distress is a condition where a company has difficulty paying off its obligations to its creditors. For this study, Lexis plot is used to identify either younger companies or older companies are in run-off. Run-off is a process where many insurance companies stop underwriting policies long before they reach financial crisis or financial distress. The study utilises financial data of 22 years from year 1985 to year 2006 for 397 companies. From the study, it is identified that younger companies are more in financial distress than older companies.

38 CFR 8a.2 - Maximum amount of insurance.

Code of Federal Regulations, 2011 CFR

2011-07-01

...) The maximum amount of insurance in force on any one life at one time shall not exceed the lesser of... MORTGAGE LIFE INSURANCE § 8a.2 Maximum amount of insurance. (a) Each eligible veteran is authorized up to a maximum of $90,000 in VMLI to insure his or her life during periods he or she is obligated under a...

38 CFR 8a.2 - Maximum amount of insurance.

Code of Federal Regulations, 2010 CFR

2010-07-01

...) The maximum amount of insurance in force on any one life at one time shall not exceed the lesser of... MORTGAGE LIFE INSURANCE § 8a.2 Maximum amount of insurance. (a) Each eligible veteran is authorized up to a maximum of $90,000 in VMLI to insure his or her life during periods he or she is obligated under a...

26 CFR 1.1035-1 - Certain exchanges of insurance policies.

Code of Federal Regulations, 2011 CFR

2011-04-01

... endowment insurance providing for regular payments beginning at a date not later than the date payments... exchange of: (a) A contract of life insurance for another contract of life insurance or for an endowment or... transactions involving the exchange of an endowment contract or annuity contract for a life insurance contract...

The National Insurance Acts 1911-1947, the approved societies and the Prudential Assurance Company.

PubMed

Heller, Michael

2008-01-01

The role of the British major life assurance companies in administering the National Insurance Acts in the guise of approved societies has long been controversial. The companies have been accused of profiteering rather than civic duty or social altruism. This article, using the Prudential Assurance Company as a case study, questions this argument. Life assurance companies such as the Prudential were fundamental to the operational running of national health insurance in the first half of the twentieth century due to their scale, scope and expertise. In addition, they were keen to extend the scope of national health insurance and campaigned to make the acts more comprehensive. Finally, while the companies certainly did see benefits in administering the acts, these were related more to corporate identity, branding and public relations than to direct pecuniary gain. An analysis of the inclusion of the life insurance companies in the administration of the National Health Insurance Acts is thus as important for an understanding of twentieth-century Britain as it is for the development of modern social welfare.

Experiences obtaining insurance after live kidney donation.

PubMed

Boyarsky, B J; Massie, A B; Alejo, J L; Van Arendonk, K J; Wildonger, S; Garonzik-Wang, J M; Montgomery, R A; Deshpande, N A; Muzaale, A D; Segev, D L

2014-09-01

The impact of kidney donation on the ability to change or initiate health or life insurance following donation is unknown. To quantify this risk, we surveyed 1046 individuals who donated a kidney at our center between 1970 and 2011. Participants were asked whether they changed or initiated health or life insurance after donation, and if they had any difficulty doing so. Among 395 donors who changed or initiated health insurance after donation, 27 (7%) reported difficulty; among those who reported difficulty, 15 were denied altogether, 12 were charged a higher premium and 8 were told they had a preexisting condition because they were kidney donors. Among 186 donors who changed or initiated life insurance after donation, 46 (25%) reported difficulty; among those who reported difficulty, 23 were denied altogether, 27 were charged a higher premium and 17 were told they had a preexisting condition because they were kidney donors. In this single-center study, a high proportion of kidney donors reported difficulty changing or initiating insurance, particularly life insurance. These practices by insurers create unnecessary burden and stress for those choosing to donate and could negatively impact the likelihood of live kidney donation among those considering donation. © Copyright 2014 The American Society of Transplantation and the American Society of Transplant Surgeons.

Insurance Incentives for Health Promotion.

ERIC Educational Resources Information Center

Hosokawa, Michael C.

1984-01-01

To reduce the cost of reimbursements, many insurance companies have begun to use insurance incentives as a way to motivate individuals to participate in health promotion activities. Traditional health education, research and demonstration, and policy-premium incentives are methods of health promotion used by life and health insurance companies.…

Association of cholesterol, LDL, HDL, cholesterol/ HDL and triglyceride with all-cause mortality in life insurance applicants.

PubMed

Fulks, Michael; Stout, Robert L; Dolan, Vera F

2009-01-01

Determine the relationship between various lipid tests and all-cause mortality in life insurance applicants stratified by age and sex. By use of the Social Security Death Master File, mortality was determined in 1,488,572 life insurance applicants from whom blood samples were submitted to Clinical Reference Laboratory. There were 41,020 deaths observed in this healthy adult population during a median follow-up of 12 years (range 10 to 14 years). Results were stratified by 4 age-sex subpopulations: females, ages 20 to 59 or 60+; and males, ages 20 to 59 or 60+. Those with serum albumin < 3.6 mg/dL or fructosamine > or = 2.1 mmol/L were excluded. The middle 50% of lipid values specific to each of these 4 age-sex subpopulations was used as the reference band. The mortality rates in bands representing other percentiles of lipid values were compared with the mortality rate in the reference band within each age-sex subpopulation. In contrast to some published findings from general populations, lipid test results are only moderately predictive of all-cause mortality risk in a life insurance applicant population and that risk is dependent on age and sex. At ages below 60, HDL values are associated with a "J" shaped mortality curve and at ages 60+, total cholesterol is associated with a "U" shaped curve. The total cholesterol/HDL ratio may serve as a useful single measure to predict mortality risk, but only if stratified by age and sex, and only if high HDL values at younger ages and lower total cholesterol values at ages 60+ are recognized as being associated with increased risk as well. Using LDL or non-HDL cholesterol instead of total cholesterol does not improve mortality risk discrimination; neither does using total cholesterol or triglyceride values in addition to the total cholesterol/HDL ratio. The total cholesterol/HDL ratio is the best single measure of all-cause mortality risk among the various lipid tests but is useful only if viewed on an age- and sex

Racial and Ethnic Disparities in Health Insurance Coverage: Dynamics of Gaining and Losing Coverage over the Life-Course

PubMed Central

Sohn, Heeju

2016-01-01

Health insurance coverage varies substantially between racial and ethnic groups in the United States. Compared to non-Hispanic whites, African Americans and people of Hispanic origin had persistently lower insurance coverage rates at all ages. This article describes age- and group-specific dynamics of insurance gain and loss that contribute to inequalities found in traditional cross-sectional studies. It uses the longitudinal 2008 Panel of the Survey of Income and Program Participation (N=114,345) to describe age-specific patterns of disparity prior to the Affordable Care Act (ACA). A formal decomposition on increment-decrement life-tables of insurance gain and loss shows that coverage disparities are predominately driven by minority groups’ greater propensity to lose the insurance that they already have. Uninsured African Americans were faster to gain insurance than non-Hispanic whites but their high rates of insurance loss more than negated this advantage. Disparities from greater rates of loss among minority groups emerge rapidly at the end of childhood and persist throughout adulthood. This is especially true for African Americans and Hispanics and their relative disadvantages again heighten in their 40s and 50s. PMID:28366968

The efficiency of life insurance and family Takaful in Malaysia: Relative efficiency using the stochastic cost frontier analysis

NASA Astrophysics Data System (ADS)

Baharin, Roziana; Isa, Zaidi

2013-04-01

This paper focuses on the Stochastic cost Frontier Analysis (SFA) approach, in an attempt to measure the relationship between efficiency and organizational structure for Takaful and insurance operators in Malaysia's dual financial system. This study applied a flexible cost functional form i.e., Fourier Flexible Functional Form, for a sample consisting of 19 firms, chosen between 2002 and 2010, by employing the Battese and Coelli invariant efficiency model. The findings show that on average, there is a significant difference in cost efficiency between the Takaful industry and the insurance industry. It was found that Takaful has lower cost efficiency than conventional insurance, which shows that the organization form has an influence on efficiency. Overall, it was observed that the level of efficiency scores for both life insurance and family Takaful do not vary across time.

Culture, state and varieties of capitalism: a comparative study of life insurance markets in Hong Kong and Taiwan.

PubMed

Chan, Cheris Shun-Ching

2012-03-01

This article examines the interplay between local culture, the state, and economic actors' agency in producing variation across markets. I adopt a political-cultural approach to examining why life insurance has been far more popular in Taiwan than Hong Kong, despite the presence of a cultural taboo on the topic of premature death in both societies. Based on interview data and documentary references, the findings reveal that as an independent state, the Taiwanese government heavily protected domestic insurance firms during their emergence. These domestic firms adopted a market-share approach by re-defining the concept of life insurance to accommodate the local cultural taboo. The colonial Hong Kong government, on the other hand, adopted laissez-faire policies that essentially favoured foreign insurance firms. When faced with the tension between local adaptation and the profitability of the business, these foreign firms chose the latter. Their reluctance to accommodate local cultures, however, resulted in a smaller market. I argue that state actions mediate who the dominant economic players are and that the nature of the dominant players affects the extent of localization. Specifically, the presence of competitive domestic players alongside transnational corporations is more likely to produce varieties of capitalism. © London School of Economics and Political Science 2012.

All-Cause Mortality for Life Insurance Applicants with a History of Prostate Cancer.

PubMed

Freitas, Stephen A; MacKenzie, Ross; Wylde, David N; Roudebush, Bradley T; Bergstrom, Richard L; Holowaty, J Carl; Beckman, Margaret; Rigatti, Steven J; Gill, Stacy

2017-01-01

- To determine the all-cause mortality of life insurance applicants diagnosed with prostate cancer currently or at some time in the past. - Prostate cancer is common and a frequent cause of cancer death. Both the frequency of prostate cancer in men and its propensity for causing premature mortality require insurance company medical directors and underwriters to have a good understanding of prostate cancer-related mortality trends, patterns, and outcomes in the insured population. - Life insurance applicants with reported prostate cancer were extracted from data covering United States residents between November 2007 and November 2014. Information about these applicants was matched to the Social Security Death Master (SSDMF) file for deaths occurring from 2007 to 2011 and to another commercially available death source file (Other Death Source, ODS) for deaths occurring from 2007 to 2014 to determine vital status. Actual to Expected (A/E) mortality ratios were calculated using the Society of Actuaries 2015 Valuation Basic Table (2015VBT), select and ultimate table (age last birthday) and the 2013 US population as expected mortality ratios. All expected bases were not smoker distinct. - The study covered applicants between the ages of 45 and 75 and had approximately 405,000 person-years of exposure. Older aged applicants had a lower mortality ratio than those who were younger. Applicants 45 to 54 had the highest mortality ratios in the first year after diagnosis which steadily decreased in years 6 to 10 with an increase in the mortality ratio for those over 10 years from diagnosis. Relative mortality rate was close to unity for those with localized cancer across all age groups. The mortality ratio was 2 to 4 times greater for those with cancer in 1 positive node, and much greater with 3 positive nodes. For each time-from-diagnosis category, the relative mortality ratios compared to age were highest in the 45-54 age group. The A/E mortality ratios based on the 2015VBT

26 CFR 1.1035-1 - Certain exchanges of insurance policies.

Code of Federal Regulations, 2010 CFR

2010-04-01

... providing for regular payments beginning at a date not later than the date payments would have begun under... contract of life insurance for another contract of life insurance or for an endowment or annuity contract... exchange of an endowment contract or annuity contract for a life insurance contract, nor an annuity...

2014 CRL Blood Pressure Study of Life Insurance Applicants.

PubMed

Fulks, Michael; Dolan, Vera F; Stout, Robert L

2015-01-01

Objective .- Define the relative mortality risk by systolic (SBP) and diastolic blood pressure (DBP) in a relatively healthy cohort split by age and sex with adjustment for smoking status, other findings and admitted heart disease history. Method .- Blood pressure (BP in mm Hg), build, laboratory studies and limited medical history are collected when people apply for individual life insurance. Information on 2,472,706 applicants tested by Clinical Reference Laboratory from 1993 to 2007 was utilized with follow-up for vital status using the September 2011 Social Security Death Master File identifying 31,033 deaths. Data was analyzed by SBP and DBP split by age and sex accounting for smoking and for BMI, urine protein/creatinine ratio and history of heart disease in a Cox multivariate survival analysis. Separate analysis by admitted hypertension history was also conducted. Results are presented by SBP and DBP for 4 age-sex groups with and without added covariates beyond age and smoking status. Results .- Relative mortality progressively increased by SBP level from the 90 to 119 band (down to 80 in younger women) upward with little additional impact by DBP. Addition of covariates beyond age and smoking resulted in a 5% to 10% reduction in relative risk. Although high DBP had limited impact, a pulse pressure/SBP ratio >½ identified 1% of applicants at high mortality risk, with little difference in risk for ratios ≤½. Hypertension history with current BP control was associated with a 10% to 25% increase in relative mortality risk as compared to those with similar BP but no such history. Conclusion .- Increasing SBP is closely associated with increasing relative mortality, starting from the lowest SBP. Increasing DBP has little additional impact, but a pulse pressure/SBP ratio >½ is a potent marker of increased risk as well. Accounting for build and other laboratory findings reduces risk modestly. A history of hypertension with current control increases risk.

Insurance against climate change and flood risk: Insurability and decision processes of insurers

NASA Astrophysics Data System (ADS)

Hung, Hung-Chih; Hung, Jia-Yi

2016-04-01

equivalent,' and 'gamble tradeoff' methods were used. We then synthesized a Tobit and an OLS regression analysis to identify and examine the determinants of insurers' decisions on insurability and pricing for flood risk. Furthermore, the data were collected through a questionnaire survey, which was conducted with the assistance from the Non-life Underwriters Society, Taiwan and the Actuarial Institute, Taiwan. After pretesting, questionnaires were mailed to 410 randomly chosen commercial property-and-casualty insurance firms' actuaries and underwriters. The final sample consisted of 179 questionnaires for a 43.8% response rate. 3. Results Results of the questionnaire survey reveal that flood risk tends to be more uninsurable when there is ambiguity regarding the probability of a particular flood event loss. The presence of insurers' risk aversion appears to be robust. Insurers would charge a significantly higher price for a flood insurance policy than normal property insurance. The findings also show that the insurers who perceived higher levels of flood risk, or/and had a company with smaller size or higher financial leverage, would trigger a higher premium for flood insurance. Governmental risk management strategies, such as land-use planning, building codes, flood-hazard zone regulations, also played a prominent role in enhancing insurability and decreasing insurance premium. Therefore, appropriate incentives should be combined with better public risk communication and mitigation strategies to stimulate insurance coverage in reducing flood loss.

38 CFR 8.22 - Examination of applicants for insurance or reinstatement.

Code of Federal Regulations, 2012 CFR

2012-07-01

... OF VETERANS AFFAIRS NATIONAL SERVICE LIFE INSURANCE Examinations § 8.22 Examination of applicants for... Service Life Insurance or of an applicant for reinstatement of National Service Life Insurance, such... college of osteopathy and who is listed in the current directory of the American Osteopathic Association...

38 CFR 8.22 - Examination of applicants for insurance or reinstatement.

Code of Federal Regulations, 2014 CFR

2014-07-01

... OF VETERANS AFFAIRS NATIONAL SERVICE LIFE INSURANCE Examinations § 8.22 Examination of applicants for... Service Life Insurance or of an applicant for reinstatement of National Service Life Insurance, such... college of osteopathy and who is listed in the current directory of the American Osteopathic Association...

38 CFR 8.22 - Examination of applicants for insurance or reinstatement.

Code of Federal Regulations, 2013 CFR

2013-07-01

... OF VETERANS AFFAIRS NATIONAL SERVICE LIFE INSURANCE Examinations § 8.22 Examination of applicants for... Service Life Insurance or of an applicant for reinstatement of National Service Life Insurance, such... college of osteopathy and who is listed in the current directory of the American Osteopathic Association...

Reducing Unintended Pregnancies Through Web-Based Reproductive Life Planning and Contraceptive Action Planning among Privately Insured Women: Study Protocol for the MyNewOptions Randomized, Controlled Trial.

PubMed

Chuang, Cynthia H; Velott, Diana L; Weisman, Carol S; Sciamanna, Christopher N; Legro, Richard S; Chinchilli, Vernon M; Moos, Merry-K; Francis, Erica B; Confer, Lindsay N; Lehman, Erik B; Armitage, Christopher J

2015-01-01

The Affordable Care Act mandates that most women of reproductive age with private health insurance have full contraceptive coverage with no out-of-pocket costs, creating an actionable time for women to evaluate their contraceptive choices without cost considerations. The MyNewOptions study is a three-arm, randomized, controlled trial testing web-based interventions aimed at assisting privately insured women with making contraceptive choices that are consistent with their reproductive goals. Privately insured women between the ages of 18 and 40 not intending pregnancy were randomly assigned to one of three groups: 1) a reproductive life planning (RLP) intervention, 2) a reproductive life planning enriched with contraceptive action planning (RLP+) intervention, or 3) an information only control group. Both the RLP and RLP+ guide women to identify their individualized reproductive goals and contraceptive method requirements. The RLP+ additionally includes a contraceptive action planning component, which uses if-then scenarios that allow the user to problem solve situations that make it difficult to be adherent to their contraceptive method. All three groups have access to a reproductive options library containing information about their contraceptive coverage and the attributes of alternative contraceptive methods. Women completed a baseline survey with follow-up surveys every 6 months for 2 years concurrent with intervention boosters. Study outcomes include contraceptive use and adherence. ClinicalTrials.gov identifier: NCT02100124. Results from the MyNewOptions study will demonstrate whether web-based reproductive life planning, with or without contraceptive action planning, helps insured women make patient-centered contraceptive choices compared with an information-only control condition. Copyright © 2015 Jacobs Institute of Women's Health. Published by Elsevier Inc. All rights reserved.

Life insurance risk assessment using a fuzzy logic expert system

NASA Technical Reports Server (NTRS)

Carreno, Luis A.; Steel, Roy A.

1992-01-01

In this paper, we present a knowledge based system that combines fuzzy processing with rule-based processing to form an improved decision aid for evaluating risk for life insurance. This application illustrates the use of FuzzyCLIPS to build a knowledge based decision support system possessing fuzzy components to improve user interactions and KBS performance. The results employing FuzzyCLIPS are compared with the results obtained from the solution of the problem using traditional numerical equations. The design of the fuzzy solution consists of a CLIPS rule-based system for some factors combined with fuzzy logic rules for others. This paper describes the problem, proposes a solution, presents the results, and provides a sample output of the software product.

Sub-Ethnic and Geographic Variations in Out-of-Pocket Private Health Insurance Premiums Among Mid-Life Asians.

PubMed

Choi, Sunha

2017-03-01

This study examined out-of-pocket premium burden of mid-life Asian Americans by comparing six sub-groups of Asians after controlling for geographic clustering at the county and state levels. The 2007-2011 National Health Interview Survey was linked to community-level data and analyzed for 4,628 Asians (ages 50-64), including 697 Asian Indians, 1,125 Chinese, 1,393 Filipinos, 434 Japanese, 524 Koreans, and 455 Vietnamese. Non-Hispanic Whites were included as a comparison group ( n = 48,135). Three-level multilevel modeling (state > county > individual) was conducted. Koreans and Vietnamese were found as vulnerable sub-groups considering their lower private health insurance rates and higher uninsured rates. Among those with private insurance, Asians, specifically Filipinos, paid significantly less than non-Hispanic Whites. Moderate but significant variations in the county- and state-level variance in out-of-pocket premiums were found, especially among mid-life Asians. This study demonstrates the importance of examining within-group heterogeneity and geographic variations in understanding premium burden among mid-life Asians.

China's Insurance Regulatory Reform, Corporate Governance Behavior and Insurers' Governance Effectiveness.

PubMed

Li, Huicong; Zhang, Hongliang; Tsai, Sang-Bing; Qiu, Aichao

2017-10-17

External regulation is an important mechanism to improve corporate behavior in emerging markets. China's insurance governance regulation, which began to supervise and guide insurance corporate governance behavior in 2006, has experienced a complex process of reform. This study tested our hypotheses with a sample of 85 firms during 2010-2011, which was obtained by providing a questionnaire to all of China's shareholding insurance companies. The empirical study results generally show that China's insurance governance effectiveness has significantly improved through strict regulation. Insurance corporate governance can improve business acumen and risk-control ability, but no significant evidence was found to prove its influence on profitability, as a result of focusing less attention on governance than on management. State ownership is associated with higher corporate governance effectiveness than non-state ownership. Listed companies tend to outperform non-listed firms, and life insurance corporate governance is more effective than that of property insurers. This study not only contributes to the comprehensive understanding of corporate governance effectiveness but also to the literature by highlighting the effect of corporate governance regulation in China's insurance industry and other emerging economies of the financial sector.

The external costs of a sedentary life-style.

PubMed Central

Keeler, E B; Manning, W G; Newhouse, J P; Sloss, E M; Wasserman, J

1989-01-01

Using data from the National Health Interview Survey and the RAND Health Insurance Experiment, we estimated the external costs (costs borne by others) of a sedentary life-style. External costs stem from additional payments received by sedentary individuals from collectively financed programs such as health insurance, sick-leave coverage, disability insurance, and group life insurance. Those with sedentary life-styles incur higher medical costs, but their life expectancy at age 20 is 10 months less so they collect less public and private pensions. The pension costs come late in life, as do some of the medical costs, and so the estimate of the external cost is sensitive to the discount rate used. At a 5 percent rate of discount, the lifetime subsidy from others to those with a sedentary life style is $1,900. Our estimate of the subsidy is also sensitive to the assumed effect of exercise on mortality. The subsidy is a rationale for public support of recreational facilities such as parks and swimming pools and employer support of programs to increase exercise. PMID:2502036

Death at no cost? Persons with no health insurance claims in the last year of life in Switzerland.

PubMed

Panczak, Radoslaw; von Wyl, Viktor; Reich, Oliver; Luta, Xhyljeta; Maessen, Maud; Stuck, Andreas E; Berlin, Claudia; Schmidlin, Kurt; Goodman, David C; Egger, Matthias; Clough-Gorr, Kerri; Zwahlen, Marcel

2018-03-14

Lack of health insurance claims (HIC) in the last year of life might indicate suboptimal end-of-life care, but reasons for no HIC are not fully understood because information on causes of death is often missing. We investigated association of no HIC with characteristics of individuals and their place of residence. We analysed HIC of persons who died between 2008 and 2010, which were obtained from six providers of mandatory Swiss health insurance. We probabilistically linked these persons to death certificates to get cause of death information and analysed data using sex-stratified, multivariable logistic regression. Supplementary analyses looked at selected subgroups of persons according to the primary cause of death. The study population included 113,277 persons (46% males). Among these persons, 1199 (proportion 0.022, 95% CI: 0.021-0.024) males and 803 (0.013, 95% CI: 0.012-0.014) females had no HIC during the last year of life. We found sociodemographic and health differentials in the lack of HIC at the last year of life among these 2002 persons. The likelihood of having no HIC decreased steeply with older age. Those who died of cancer were more likely to have HIC (adjusted odds ratio for males 0.17, 95% CI: 0.13-0.22; females 0.19, 95% CI: 0.12-0.28) whereas those dying of mental and behavioural disorders (AOR males 1.83, 95% CI:1.42-2.37; females 1.65, 95% CI: 1.27-2.14), and males dying of suicide (AOR 2.15, 95% CI: 1.72-2.69) and accidents (AOR 2.41, 95% CI: 1.96-2.97) were more likely to have none. Single, widowed, and divorced persons also were more likely to have no HIC (AORs in range of 1.29-1.80). There was little or no association between the lack of HIC and characteristics of region of residence. Patterns of no HIC differed across main causes of death. Associations with age and civil status differed in particular for persons who died of cancer, suicide, accidents and assaults, and mental and behavioural disorders. Particular groups might be more

The role of insurance claims databases in drug therapy outcomes research.

PubMed

Lewis, N J; Patwell, J T; Briesacher, B A

1993-11-01

The use of insurance claims databases in drug therapy outcomes research holds great promise as a cost-effective alternative to post-marketing clinical trials. Claims databases uniquely capture information about episodes of care across healthcare services and settings. They also facilitate the examination of drug therapy effects on cohorts of patients and specific patient subpopulations. However, there are limitations to the use of insurance claims databases including incomplete diagnostic and provider identification data. The characteristics of the population included in the insurance plan, the plan benefit design, and the variables of the database itself can influence the research results. Given the current concerns regarding the completeness of insurance claims databases, and the validity of their data, outcomes research usually requires original data to validate claims data or to obtain additional information. Improvements to claims databases such as standardisation of claims information reporting, addition of pertinent clinical and economic variables, and inclusion of information relative to patient severity of illness, quality of life, and satisfaction with provided care will enhance the benefit of such databases for outcomes research.

76 FR 56505 - Agency Information Collection (Application by Insured Terminally Ill Person for Accelerated...

Federal Register 2010, 2011, 2012, 2013, 2014

2011-09-13

....Regulations.gov ; or to VA's OMB Desk Officer, OMB Human Resources and Housing Branch, New Executive Office...' Group Life Insurance (SGLI) or Veterans' Group Life Insurance (VGLI) prior to death. If the insured...' Group Life Insurance Accelerated Benefits Option application. The application must include a medical...

12 CFR 618.8040 - Authorized insurance services.

Code of Federal Regulations, 2010 CFR

2010-01-01

... basis, credit or term life and credit disability insurance appropriate to protect the loan commitment in... adverse effect on the credit or other operations of the bank or association; and (v) In making insurance... by receipt of commissions or gifts from underwriting insurance companies. However, employees may...

Bundled automobile insurance coverage and accidents.

PubMed

Li, Chu-Shiu; Liu, Chwen-Chi; Peng, Sheng-Chang

2013-01-01

This paper investigates the characteristics of automobile accidents by taking into account two types of automobile insurance coverage: comprehensive vehicle physical damage insurance and voluntary third-party liability insurance. By using a unique data set in the Taiwanese automobile insurance market, we explore the bundled automobile insurance coverage and the occurrence of claims. It is shown that vehicle physical damage insurance is the major automobile coverage and affects the decision to purchase voluntary liability insurance coverage as a complement. Moreover, policyholders with high vehicle physical damage insurance coverage have a significantly higher probability of filing vehicle damage claims, and if they additionally purchase low voluntary liability insurance coverage, their accident claims probability is higher than those who purchase high voluntary liability insurance coverage. Our empirical results reveal that additional automobile insurance coverage information can capture more driver characteristics and driving behaviors to provide useful information for insurers' underwriting policies and to help analyze the occurrence of automobile accidents. Copyright © 2012 Elsevier Ltd. All rights reserved.

75 FR 13147 - Integrity Life Insurance Company, et al.;

Federal Register 2010, 2011, 2012, 2013, 2014

2010-03-18

... Management, at (202) 551-6795. SUPPLEMENTARY INFORMATION: The following is a summary of the application. The... Insurance Products Fund III, Variable Insurance Products Fund II, nor Fidelity Management and Research... both--of stocks or both--of domestic and domestic and foreign issuers foreign issuers using fundamental...

Insurance in a climate of change.

PubMed

Mills, Evan

2005-08-12

Catastrophe insurance provides peace of mind and financial security. Climate change can have adverse impacts on insurance affordability and availability, potentially slowing the growth of the industry and shifting more of the burden to governments and individuals. Most forms of insurance are vulnerable, including property, liability, health, and life. It is incumbent on insurers, their regulators, and the policy community to develop a better grasp of the physical and business risks. Insurers are well positioned to participate in public-private initiatives to monitor loss trends, improve catastrophe modeling, address the causes of climate change, and prepare for and adapt to the impacts.

The Role of Public Health Insurance in Reducing Child Poverty.

PubMed

Wherry, Laura R; Kenney, Genevieve M; Sommers, Benjamin D

2016-04-01

Over the past 30 years, there have been major expansions in public health insurance for low-income children in the United States through Medicaid, the Children's Health Insurance Program (CHIP), and other state-based efforts. In addition, many low-income parents have gained Medicaid coverage since 2014 under the Affordable Care Act. Most of the research to date on health insurance coverage among low-income populations has focused on its effect on health care utilization and health outcomes, with much less attention to the financial protection it offers families. We review a growing body of evidence that public health insurance provides important financial benefits to low-income families. Expansions in public health insurance for low-income children and adults are associated with reduced out of pocket medical spending, increased financial stability, and improved material well-being for families. We also review the potential poverty-reducing effects of public health insurance coverage. When out of pocket medical expenses are taken into account in defining the poverty rate, Medicaid plays a significant role in decreasing poverty for many children and families. In addition, public health insurance programs connect families to other social supports such as food assistance programs that also help reduce poverty. We conclude by reviewing emerging evidence that access to public health insurance in childhood has long-term effects for health and economic outcomes in adulthood. Exposure to Medicaid and CHIP during childhood has been linked to decreased mortality and fewer chronic health conditions, better educational attainment, and less reliance on government support later in life. In sum, the nation's public health insurance programs have many important short- and long-term poverty-reducing benefits for low-income families with children. Copyright © 2016 Academic Pediatric Association. Published by Elsevier Inc. All rights reserved.

Billions of Dollars are Involved in Taxation of the Life Insurance Industry -- Some Corrections in the Law are Needed.

DTIC Science & Technology

1981-09-17

leading life companies, 1979 69 i A A TABLES 16 A comparative example of the reserve test Calculation 76 17 Comparative income tax burden of life...pp. 159-61. 2/J. David Cummins, An Econometric Model of the Life Insurance Sector of the U.S. Economy (Lexington, Mass.: Lexington Books, 1975), p. 57...3/Cummins, Econometric Model, p. 44. 4/Fact Book 1979, p. 32. 23 decades earlier. 1/ This decline has been attributed to two sources. First, as

Insuring the unknown.

PubMed

Parsons, C

2015-12-01

Uncertainty is the central element in insurance. This article examines how insurers evaluate and price risks that can present very high levels of uncertainty, and which many underwriters regard as especially hazardous in insurance terms. These are the risks associated with new medical devices, new pharmaceutical products and others substances for human consumption, such as food additives. Insurance is likely to be needed for these products both during their research and development phases, including insurance for clinical trials, and also once the device, drug or other substance gains approval and is in regular use.The article examines the types of insurance that are available to cover these risks, the organizations that provide insurance and how the insurance is organised. It discusses the basic principles that insurers use to price insurance before considering the difficulties presented by novel and complex risks generally. The article concludes with a description of the techniques that insurers employ to analyse and price the particular risks that are our subject and a discussion of how underwriters seek to overcome the special problems associated with them. © The Author(s) 2015.

[AIDS and life insurance in Germany. 10 years successful risk management].

PubMed

Akermann, S

1998-06-01

The introduction of AIDS specific measures by the German life assurance industry in 1988 was an important step towards prevention of adverse selection by the well known risk groups. In retrospect one can state that in the eighties there was a tendency of risk groups for inappropriately high insurance coverage. This could be curtailed with the introduction of a question as to a positive HIV test in each proposal form and a mandatory HIV test for every policy exceeding DM 250,000. These tendencies could very nicely be demonstrated by studies of own AIDS cases. The claims for death and disability benefits because of AIDS are as of now compared to the total claims of minor importance.

On the regulator-insurer interaction in a structural model

NASA Astrophysics Data System (ADS)

Bernard, Carole; Chen, An

2009-11-01

In this paper, we provide a new insight to the previous work of Briys and de Varenne [E. Briys, F. de Varenne, Life insurance in a contingent claim framework: Pricing and regulatory implications, Geneva Papers on Risk and Insurance Theory 19 (1) (1994) 53-72], Grosen and Jørgensen [A. Grosen, P.L. Jørgensen, Life insurance liabilities at market value: An analysis of insolvency risk, bonus policy, and regulatory intervention rules in a barrier option framework, Journal of Risk and Insurance 69 (1) (2002) 63-91] and Chen and Suchanecki [A. Chen, M. Suchanecki, Default risk, bankruptcy procedures and the market value of life insurance liabilities, Insurance: Mathematics and Economics 40 (2007) 231-255]. We show that the particular risk management strategy followed by the insurance company can significantly change the risk exposure of the company, and that it should thus be taken into account by regulators. We first study how the regulator establishes regulation intervention levels in order to control for instance the default probability of the insurance company. This part of the analysis is based on a constant volatility. Given that the insurance company is informed of regulatory rules, we study how results can be significantly different when the insurance company follows a risk management strategy with non-constant volatilities. We thus highlight some limits of the prior literature and believe that the risk management strategy of the company should be taken into account in the estimation of the risk exposure as well as in that of the market value of liabilities.

38 CFR 8.4 - Deduction of insurance premiums from compensation, retirement pay, or pension.

Code of Federal Regulations, 2010 CFR

2010-07-01

...' Relief DEPARTMENT OF VETERANS AFFAIRS NATIONAL SERVICE LIFE INSURANCE Premiums § 8.4 Deduction of insurance premiums from compensation, retirement pay, or pension. The insured under a National Service life insurance policy which is not lapsed may authorize the monthly deduction of premiums from disability...

38 CFR 8.4 - Deduction of insurance premiums from compensation, retirement pay, or pension.

Code of Federal Regulations, 2011 CFR

2011-07-01

...' Relief DEPARTMENT OF VETERANS AFFAIRS NATIONAL SERVICE LIFE INSURANCE Premiums § 8.4 Deduction of insurance premiums from compensation, retirement pay, or pension. The insured under a National Service life insurance policy which is not lapsed may authorize the monthly deduction of premiums from disability...

Directions of improving information system of insurance company

NASA Astrophysics Data System (ADS)

Kaigorodova, G. N.; Mustafina, A. A.; Alyakina, D. P.

2018-05-01

The article presents a study of the information technologies impact on the insurance industry development. At present, any business, especially business in the field of financial intermediation, can count on maintaining its positions only as a technology company. For the insurance business it is now especially important. Other segments of the financial market - the stock and credit market - are actively developing and applying IT-technologies. The insurance business at present is getting opportunities for a technological breakthrough. There is a growing demand for traditional insurance products - property insurance, motor insurance, health insurance. There is a rapidly growing demand for life insurance and insurance against cyber risks. To implement insurance protection in new conditions, the insurance company should actively use information systems. The article presents a possible variant of systematization of the insurer's business processes within the information system of the insurance company.

Captive insurance companies.

PubMed

Strauss, Peter

2014-01-01

The landscape of the business world is changing; and now, more than ever, business owners are recognizing that life is filled with risks: known risk, calculated risk, and unexpected risk. Every day, businesses thrive or fail based on understanding the risk of owning and operating their business, and business owners are recognizing that there are alternative risk financing mechanisms other than simply taking out a basket of standard coverage as recommended by your friendly neighborhood agent. A captive insurance company is an insurance company established to provide a broad range of risk management capabilities to affiliated companies. The captive is owned by the business owner and can provide insurance to the business for potential future losses, whether or not the losses are already covered by a commercial carrier or are "self-insured." The premiums paid by your business are tax deductible. Meanwhile, the premiums that your captive collects are tax-free up to $1.2 million annually.

26 CFR 1.822-5 - Mutual insurance company taxable income.

Code of Federal Regulations, 2013 CFR

2013-04-01

... 26 Internal Revenue 8 2013-04-01 2013-04-01 false Mutual insurance company taxable income. 1.822-5... TAX (CONTINUED) INCOME TAXES (CONTINUED) Mutual Insurance Companies (other Than Life and Certain Marine Insurance Companies and Other Than Fire Or Flood Insurance Companies Which Operate on Basis of...

26 CFR 1.822-5 - Mutual insurance company taxable income.

Code of Federal Regulations, 2012 CFR

2012-04-01

... 26 Internal Revenue 8 2012-04-01 2012-04-01 false Mutual insurance company taxable income. 1.822-5... TAX (CONTINUED) INCOME TAXES (CONTINUED) Mutual Insurance Companies (other Than Life and Certain Marine Insurance Companies and Other Than Fire Or Flood Insurance Companies Which Operate on Basis of...

26 CFR 1.822-5 - Mutual insurance company taxable income.

Code of Federal Regulations, 2014 CFR

2014-04-01

... 26 Internal Revenue 8 2014-04-01 2014-04-01 false Mutual insurance company taxable income. 1.822-5... TAX (CONTINUED) INCOME TAXES (CONTINUED) Mutual Insurance Companies (other Than Life and Certain Marine Insurance Companies and Other Than Fire Or Flood Insurance Companies Which Operate on Basis of...

26 CFR 1.822-5 - Mutual insurance company taxable income.

Code of Federal Regulations, 2011 CFR

2011-04-01

... 26 Internal Revenue 8 2011-04-01 2011-04-01 false Mutual insurance company taxable income. 1.822-5... TAX (CONTINUED) INCOME TAXES (CONTINUED) Mutual Insurance Companies (other Than Life and Certain Marine Insurance Companies and Other Than Fire Or Flood Insurance Companies Which Operate on Basis of...

46 CFR 160.027-3 - Additional requirements for life floats.

Code of Federal Regulations, 2010 CFR

2010-10-01

... 46 Shipping 6 2010-10-01 2010-10-01 false Additional requirements for life floats. 160.027-3..., CONSTRUCTION, AND MATERIALS: SPECIFICATIONS AND APPROVAL LIFESAVING EQUIPMENT Life Floats for Merchant Vessels § 160.027-3 Additional requirements for life floats. (a) Each life float must have a platform designed...

46 CFR 160.027-3 - Additional requirements for life floats.

Code of Federal Regulations, 2011 CFR

2011-10-01

... 46 Shipping 6 2011-10-01 2011-10-01 false Additional requirements for life floats. 160.027-3..., CONSTRUCTION, AND MATERIALS: SPECIFICATIONS AND APPROVAL LIFESAVING EQUIPMENT Life Floats for Merchant Vessels § 160.027-3 Additional requirements for life floats. (a) Each life float must have a platform designed...

46 CFR 160.027-3 - Additional requirements for life floats.

Code of Federal Regulations, 2014 CFR

2014-10-01

... 46 Shipping 6 2014-10-01 2014-10-01 false Additional requirements for life floats. 160.027-3..., CONSTRUCTION, AND MATERIALS: SPECIFICATIONS AND APPROVAL LIFESAVING EQUIPMENT Life Floats for Merchant Vessels § 160.027-3 Additional requirements for life floats. (a) Each life float must have a platform designed...

46 CFR 160.027-3 - Additional requirements for life floats.

Code of Federal Regulations, 2013 CFR

2013-10-01

... 46 Shipping 6 2013-10-01 2013-10-01 false Additional requirements for life floats. 160.027-3..., CONSTRUCTION, AND MATERIALS: SPECIFICATIONS AND APPROVAL LIFESAVING EQUIPMENT Life Floats for Merchant Vessels § 160.027-3 Additional requirements for life floats. (a) Each life float must have a platform designed...

46 CFR 160.027-3 - Additional requirements for life floats.

Code of Federal Regulations, 2012 CFR

2012-10-01

... 46 Shipping 6 2012-10-01 2012-10-01 false Additional requirements for life floats. 160.027-3..., CONSTRUCTION, AND MATERIALS: SPECIFICATIONS AND APPROVAL LIFESAVING EQUIPMENT Life Floats for Merchant Vessels § 160.027-3 Additional requirements for life floats. (a) Each life float must have a platform designed...

26 CFR 1.822-5 - Mutual insurance company taxable income.

Code of Federal Regulations, 2010 CFR

2010-04-01

... 26 Internal Revenue 8 2010-04-01 2010-04-01 false Mutual insurance company taxable income. 1.822-5... TAX (CONTINUED) INCOME TAXES Mutual Insurance Companies (other Than Life and Certain Marine Insurance Companies and Other Than Fire Or Flood Insurance Companies Which Operate on Basis of Perpetual Policies Or...

The impact of community-based health insurance on health-related quality of life and associated factors in Ethiopia: a comparative cross-sectional study.

PubMed

Gebru, Teklemichael; Lentiro, Kifle

2018-05-31

Quality of life can be used to measure the effect of intervention on health related conditions. Health insurance contributes positive effect on availability of medical supplies and empowerment of women and children on financial healthcare. Therefore, the study was aimed to measure the impact of Community-Based Health Insurance on HRQoL and associated socio-demographic factors. A comparative community based cross-sectional study was employed. Data was collected by trained enumerators using World Health Organization QoL-BREF tool from a sample of 1964 (982 CBHI insured and 982 un-insured) household heads selected by probability proportional to size. A descriptive summery, simple and multiple linear regression analysis was applied to describe the functional predictors of HRQoL. The study was ethically approved by IRB of Wolkite University. The HRQoL score among CBHI insured family heads was 63.02 and 58.92 for un-insured family heads. The overall variation in HRQoL was explained due to; separated marital condition which reduced the HRQoL by 4.30% than those living together [ β  = - 0.044, 95% CI (- 5.67, - 0.10)], daily laborer decreased HRQoL by 7.50% [ β  = - 0.078, 95% CI (- 12.91, - 4.10)], but employment increased by 5.65% than farmers [ β  = 0.055, 95% CI (2.58, 17.59)]. QoL increased by 6.4 and 6.93% among primary and secondary level educated household heads than those household heads who could not read and write [ β  = 0.062, 95% CI (0.75, 4.31)] and [ β  = 0.067, 95% CI (1.84, 7.99)], respectively. As family size increased by one households' head, HRQoL decreased by 18.21% [ β  = - 0.201, 95% CI (- 2.55, - 1.63)], as wealth index increased by one unit, HRQoL decreased by 32.90% [ β  = - 0.306, 95% CI (- 5.15, - 3.86)] and QoL among CBHI insured household heads increased by 12.41% than those un-insured family heads [ β  = 0.117, 95% CI (2.98, 6.16)]. The study revealed that significant difference in

Lubricant and additive effects on spur gear fatigue life

NASA Technical Reports Server (NTRS)

Townsend, D. P.; Zaretsky, E. V.; Scibbe, H. W.

1985-01-01

Spur gear endurance tests were conducted with six lubricants using a single lot of consumable-electrode vacuum melted (CVM) AISI 9310 spur gears. The sixth lubricant was divided into four batches each of which had a different additive content. Lubricants tested with a phosphorus-type load carrying additive showed a statistically significant improvement in life over lubricants without this type of additive. The presence of sulfur type antiwear additives in the lubricant did not appear to affect the surface fatigue life of the gears. No statistical difference in life was produced with those lubricants of different base stocks but with similar viscosity, pressure-viscosity coefficients and antiwear additives. Gears tested with a 0.1 wt % sulfur and 0.1 wt % phosphorus EP additives in the lubricant had reactive films that were 200 to 400 (0.8 to 1.6 microns) thick.

Once a Veteran. The Transition to Civilian LIfe

DTIC Science & Technology

1992-01-01

Group Life Insurance Office of Servicemen’s Group Ule Insurance, it totally disabled to Veterans Group Life Insurance (see Page 9) 211 Washington St...and campaign ribbons earned. 8 Insurance Beneficiaries. You have a free, unlimited choice of VGLI Veterans Group Life Insurance beneficiaries, just as...reen’yo leave acive srIcenasurane tha youvrte person, firm, corporation or legal entity ’. nciuding your to Veterans Group Life Insurance. Unless you

1987 Social Report of the Life and Health Insurance Business.

ERIC Educational Resources Information Center

American Council of Life Insurance, Washington, DC.

This report provides data and related information on the extent of the commitment of insurance companies to a wide variety of corporate public involvement activities. The results of a survey of 424 insurance companies are presented in both tabular and narrative format and cover the companies' activities in the areas of projects for the community,…

Evolutionary dynamics of collective index insurance.

PubMed

Pacheco, Jorge M; Santos, Francisco C; Levin, Simon A

2016-03-01

Index-based insurances offer promising opportunities for climate-risk investments in developing countries. Indeed, contracts conditional on, e.g., weather or livestock indexes can be cheaper to set up than conventional indemnity-based insurances, while offering a safety net to vulnerable households, allowing them to eventually escape poverty traps. Moreover, transaction costs by insurance companies may be additionally reduced if contracts, instead of arranged with single households, are endorsed by collectives of households that bear the responsibility of managing the division of the insurance coverage by its members whenever the index is surpassed, allowing for additional flexibility in what concerns risk-sharing and also allowing insurance companies to avoid the costs associated with moral hazard. Here we resort to a population dynamics framework to investigate under which conditions household collectives may find collective index insurances attractive, when compared with individual index insurances. We assume risk sharing among the participants of each collective, and model collective action in terms of an N-person threshold game. Compared to less affordable individual index insurances, we show how collective index insurances lead to a coordination problem in which the adoption of index insurances may become the optimal decision, spreading index insurance coverage to the entire population. We further investigate the role of risk-averse and risk-prone behaviors, as well as the role of partial correlation between insurance coverage and actual loss of crops, and in which way these affect the original coordination thresholds.

Estimating workers' marginal valuation of employer health benefits: would insured workers prefer more health insurance or higher wages?

PubMed

Royalty, Anne Beeson

2008-01-01

In recent years the cost of health insurance has been increasing much faster than wages. In the face of these rising costs, many employers will have to make difficult decisions about whether to cut back health benefits or to compensate workers with lower wages or lower wage growth. In this paper, we ask the question, "Which do workers value more -- one additional dollar's worth of health benefits or one more dollar in their pockets?" Using a new approach to obtaining estimates of insured workers' marginal valuation of health benefits this paper estimates how much, on average, employees value the marginal dollar paid by employers for their workers' health insurance. We find that insured workers value the marginal health premium dollar at significantly less than the marginal wage dollar. However, workers value insurance generosity very highly. The marginal dollar spent on health insurance that adds an additional dollar's worth of observable dimensions of plan generosity, such as lower deductibles or coverage of additional services, is valued at significantly more than one dollar.

Employer Cooperation in Group Insurance Coverage for Public-School Personnel, 1964-65.

ERIC Educational Resources Information Center

National Education Association, Washington, DC.

This study presents data on group insurance coverage for public school personnel during the 1964-65 academic year, collected from 646 school systems of all sizes throughout the United States. Areas covered include (1) group life insurance, (2) group hospitalization insurance, (3) group medical-surgical insurance, (4) group major medical insurance,…

38 CFR 6.19 - Evidence to establish death of the insured.

Code of Federal Regulations, 2013 CFR

2013-07-01

... death of the insured. 6.19 Section 6.19 Pensions, Bonuses, and Veterans' Relief DEPARTMENT OF VETERANS AFFAIRS UNITED STATES GOVERNMENT LIFE INSURANCE Death Benefits § 6.19 Evidence to establish death of the insured. Whenever a claim is filed on account of the death of a person insured under yearly renewable term...

38 CFR 6.19 - Evidence to establish death of the insured.

Code of Federal Regulations, 2012 CFR

2012-07-01

... death of the insured. 6.19 Section 6.19 Pensions, Bonuses, and Veterans' Relief DEPARTMENT OF VETERANS AFFAIRS UNITED STATES GOVERNMENT LIFE INSURANCE Death Benefits § 6.19 Evidence to establish death of the insured. Whenever a claim is filed on account of the death of a person insured under yearly renewable term...

38 CFR 6.19 - Evidence to establish death of the insured.

Code of Federal Regulations, 2014 CFR

2014-07-01

... death of the insured. 6.19 Section 6.19 Pensions, Bonuses, and Veterans' Relief DEPARTMENT OF VETERANS AFFAIRS UNITED STATES GOVERNMENT LIFE INSURANCE Death Benefits § 6.19 Evidence to establish death of the insured. Whenever a claim is filed on account of the death of a person insured under yearly renewable term...

Trends in mortality of insurance applicants with HIV infection.

PubMed

Stout, Robert L; Fulks, Michael; Dolan, Vera F

2012-01-01

Provide a brief review of HIV history and determine the relative mortality of life insurance applicants who are HIV positive and how that has changed over time with advances in treatment. By use of the Social Security Death Master File and multivariate analysis, mortality of those HIV positive relative to those HIV negative was determined for life insurance applicants from 1991 to 2009. Relative mortality varied by type of testing (blood, urine or oral fluid) and by age, ranging from 320% at the oldest ages to over 1300% at the youngest ages for applicants with blood testing. Surprisingly, there was little change in relative risk among HIV-positive applicants over this period. Relative risk for life insurance applicants who are HIV positive remains high despite advances in therapy.

Nonparametric Fine Tuning of Mixtures: Application to Non-Life Insurance Claims Distribution Estimation

NASA Astrophysics Data System (ADS)

Sardet, Laure; Patilea, Valentin

When pricing a specific insurance premium, actuary needs to evaluate the claims cost distribution for the warranty. Traditional actuarial methods use parametric specifications to model claims distribution, like lognormal, Weibull and Pareto laws. Mixtures of such distributions allow to improve the flexibility of the parametric approach and seem to be quite well-adapted to capture the skewness, the long tails as well as the unobserved heterogeneity among the claims. In this paper, instead of looking for a finely tuned mixture with many components, we choose a parsimonious mixture modeling, typically a two or three-component mixture. Next, we use the mixture cumulative distribution function (CDF) to transform data into the unit interval where we apply a beta-kernel smoothing procedure. A bandwidth rule adapted to our methodology is proposed. Finally, the beta-kernel density estimate is back-transformed to recover an estimate of the original claims density. The beta-kernel smoothing provides an automatic fine-tuning of the parsimonious mixture and thus avoids inference in more complex mixture models with many parameters. We investigate the empirical performance of the new method in the estimation of the quantiles with simulated nonnegative data and the quantiles of the individual claims distribution in a non-life insurance application.

All-Cause Mortality for Diabetics or Individuals with Hyperglycemia Applying for Life Insurance.

PubMed

Freitas, Stephen A; MacKenzie, Ross; Wylde, David N; Roudebush, Bradley T; Bergstrom, Richard L; Holowaty, J Carl; Hart, Anna; Rigatti, Steven J; Gill, Stacy J

2016-01-01

Diabetics and individuals with lab results consistent with a diagnosis of diabetes or hyperglycemia were extracted from data covering US residents who applied for life insurance between January 2007 and January 2014. Information about these applicants was matched to the Social Security Death Master File (SSDMF) and another commercially available death source file to determine vital status. Due to the inconsistencies of reporting within the death files, there were two cohorts of death cases, one including the imputed year of birth (full cohort of deaths), and the second where the date of birth was known (reduced cohort of deaths). The study had approximately 8.5 million person-years of exposure. Actual to expected (A/E) mortality ratios were calculated using the Society of Actuaries 2008 Valuation Basic Table (2008VBT) select table, age last birthday and the 2010 US population as expected mortality rates. With the 2008VBT as an expected basis, the overall A/E mortality ratio was 3.15 for the full cohort of deaths and 2.56 for the reduced cohort of deaths. Using the US population as the expected basis, the overall A/E mortality ratio was 0.98 for the full cohort of deaths and 0.79 for the reduced cohort. Since there was no smoking status information in this study, all expected bases were not smoker distinct. A/E mortality ratios varied by disease treatment category and were considerably higher in individuals using insulin. A/E mortality ratios decreased with increasing age and took on a J-shaped distribution with increasing BMI (Body Mass Index). The lowest mortality ratios were observed for overweight and obese individuals. The A/E mortality ratio based on the 2008VBT decreased with the increase in applicant duration, which was defined as the time since initial life insurance application.

[Quantified self movement--the new mantra of life insurance companies].

PubMed

Becher, St

2016-06-01

Wearables are small personal minicomputers that register biometric data. In such a way, the insurance industry hopes to create new sales opportunities and products, and simplify underwriting. Lower premiums will promote the use of wearables. The related possibilities and unanswered questions are discussed in this article. Utilisation of big data offers the insurance industry a range of new opportunities. The benefit must be proven in the future, however.

34 CFR 106.39 - Health and insurance benefits and services.

Code of Federal Regulations, 2010 CFR

2010-07-01

... 34 Education 1 2010-07-01 2010-07-01 false Health and insurance benefits and services. 106.39... Prohibited § 106.39 Health and insurance benefits and services. In providing a medical, hospital, accident, or life insurance benefit, service, policy, or plan to any of its students, a recipient shall not...

10 CFR 1042.440 - Health and insurance benefits and services.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 10 Energy 4 2010-01-01 2010-01-01 false Health and insurance benefits and services. 1042.440... in Education Programs or Activities Prohibited § 1042.440 Health and insurance benefits and services. Subject to § 1042.235(d), in providing a medical, hospital, accident, or life insurance benefit, service...

75 FR 68039 - Agency Information Collection (Application for Supplemental Service Disabled Veterans Insurance...

Federal Register 2010, 2011, 2012, 2013, 2014

2010-11-04

... (Application for Supplemental Service Disabled Veterans Insurance) Activity Under OMB Review AGENCY: Veterans... INFORMATION: Title: Application for Supplemental Service Disabled Veterans Insurance, (SRH) Life Insurance, VA... applying for Supplemental Service Disabled Veterans Insurance. VA uses the information collected to...

Insurance--a dental viewpoint. Part III: Life assurance, pensions and annuities.

PubMed

Green, A G

1994-09-10

The insurance market is complex and there can be serious taxation implications in many decisions. The tax aspect may be beneficial to the dentist or it can have serious consequences. The advice of independent experts in accountancy and insurance is often vital if catastrophic pitfalls are to be avoided.

49 CFR 25.440 - Health and insurance benefits and services.

Code of Federal Regulations, 2010 CFR

2010-10-01

... 49 Transportation 1 2010-10-01 2010-10-01 false Health and insurance benefits and services. 25.440... Basis of Sex in Education Programs or Activities Prohibited § 25.440 Health and insurance benefits and services. Subject to § 25.235(d), in providing a medical, hospital, accident, or life insurance benefit...

45 CFR 2555.440 - Health and insurance benefits and services.

Code of Federal Regulations, 2010 CFR

2010-10-01

... 45 Public Welfare 4 2010-10-01 2010-10-01 false Health and insurance benefits and services. 2555... Activities Prohibited § 2555.440 Health and insurance benefits and services. Subject to § 2555.235(d), in providing a medical, hospital, accident, or life insurance benefit, service, policy, or plan to any of its...

24 CFR 3.440 - Health and insurance benefits and services.

Code of Federal Regulations, 2010 CFR

2010-04-01

... 24 Housing and Urban Development 1 2010-04-01 2010-04-01 false Health and insurance benefits and... Activities Prohibited § 3.440 Health and insurance benefits and services. Subject to § 3.235(d), in providing a medical, hospital, accident, or life insurance benefit, service, policy, or plan to any of its...

32 CFR 196.440 - Health and insurance benefits and services.

Code of Federal Regulations, 2010 CFR

2010-07-01

... 32 National Defense 2 2010-07-01 2010-07-01 false Health and insurance benefits and services. 196... Activities Prohibited § 196.440 Health and insurance benefits and services. Subject to § 196.235(d), in providing a medical, hospital, accident, or life insurance benefit, service, policy, or plan to any of its...

13 CFR 113.440 - Health and insurance benefits and services.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Health and insurance benefits and....440 Health and insurance benefits and services. Subject to § 113.235(d), in providing a medical, hospital, accident, or life insurance benefit, service, policy, or plan to any of its students, a recipient...

36 CFR 1211.440 - Health and insurance benefits and services.

Code of Federal Regulations, 2010 CFR

2010-07-01

... 36 Parks, Forests, and Public Property 3 2010-07-01 2010-07-01 false Health and insurance benefits... Activities Prohibited § 1211.440 Health and insurance benefits and services. Subject to § 1211.235(d), in providing a medical, hospital, accident, or life insurance benefit, service, policy, or plan to any of its...

38 CFR 23.440 - Health and insurance benefits and services.

Code of Federal Regulations, 2010 CFR

2010-07-01

... 38 Pensions, Bonuses, and Veterans' Relief 2 2010-07-01 2010-07-01 false Health and insurance... Prohibited § 23.440 Health and insurance benefits and services. Subject to § 23.235(d), in providing a medical, hospital, accident, or life insurance benefit, service, policy, or plan to any of its students, a...

26 CFR 20.2031-8 - Valuation of certain life insurance and annuity contracts; valuation of shares in an open-end...

Code of Federal Regulations, 2012 CFR

2012-04-01

..., the value may be approximated by adding to the interpolated terminal reserve at the date of the... Revenue INTERNAL REVENUE SERVICE, DEPARTMENT OF THE TREASURY (CONTINUED) ESTATE AND GIFT TAXES ESTATE TAX... certain life insurance and annuity contracts. (1) The value of a contract for the payment of an annuity...

26 CFR 20.2031-8 - Valuation of certain life insurance and annuity contracts; valuation of shares in an open-end...

Code of Federal Regulations, 2013 CFR

2013-04-01

..., the value may be approximated by adding to the interpolated terminal reserve at the date of the... Revenue INTERNAL REVENUE SERVICE, DEPARTMENT OF THE TREASURY (CONTINUED) ESTATE AND GIFT TAXES ESTATE TAX... certain life insurance and annuity contracts. (1) The value of a contract for the payment of an annuity...

31 CFR 500.557 - Proceeds of insurance policies.

Code of Federal Regulations, 2010 CFR

2010-07-01

... are issued authorizing payment of the proceeds of blocked life insurance policies issued on the life... registration card; (iii) Permanent resident alien card; or (iv) National identity card. Other documents tending...

18 CFR 1317.440 - Health and insurance benefits and services.

Code of Federal Regulations, 2010 CFR

2010-04-01

... 18 Conservation of Power and Water Resources 2 2010-04-01 2010-04-01 false Health and insurance... § 1317.440 Health and insurance benefits and services. Subject to § 1317.235(d), in providing a medical, hospital, accident, or life insurance benefit, service, policy, or plan to any of its students, a recipient...

26 CFR 25.2512-6 - Valuation of certain life insurance and annuity contracts; valuation of shares in an open-end...

Code of Federal Regulations, 2010 CFR

2010-04-01

... annuity. The value of the gift is the cost of the contract. Example (2). An annuitant purchased from a... Revenue INTERNAL REVENUE SERVICE, DEPARTMENT OF THE TREASURY (CONTINUED) ESTATE AND GIFT TAXES GIFT TAX; GIFTS MADE AFTER DECEMBER 31, 1954 Transfers § 25.2512-6 Valuation of certain life insurance and annuity...

26 CFR 25.2512-6 - Valuation of certain life insurance and annuity contracts; valuation of shares in an open-end...

Code of Federal Regulations, 2013 CFR

2013-04-01

... payments are to be made, the value may be approximated by adding to the interpolated terminal reserve at... Revenue INTERNAL REVENUE SERVICE, DEPARTMENT OF THE TREASURY (CONTINUED) ESTATE AND GIFT TAXES GIFT TAX... and annuity contracts. The value of a life insurance contract or of a contract for the payment of an...

26 CFR 25.2512-6 - Valuation of certain life insurance and annuity contracts; valuation of shares in an open-end...

Code of Federal Regulations, 2012 CFR

2012-04-01

... payments are to be made, the value may be approximated by adding to the interpolated terminal reserve at... Revenue INTERNAL REVENUE SERVICE, DEPARTMENT OF THE TREASURY (CONTINUED) ESTATE AND GIFT TAXES GIFT TAX... and annuity contracts. The value of a life insurance contract or of a contract for the payment of an...

26 CFR 25.2512-6 - Valuation of certain life insurance and annuity contracts; valuation of shares in an open-end...

Code of Federal Regulations, 2014 CFR

2014-04-01

... payments are to be made, the value may be approximated by adding to the interpolated terminal reserve at... Revenue INTERNAL REVENUE SERVICE, DEPARTMENT OF THE TREASURY (CONTINUED) ESTATE AND GIFT TAXES GIFT TAX... and annuity contracts. The value of a life insurance contract or of a contract for the payment of an...

Hancocked: Manulife and the Limits of Private Health Insurance

PubMed Central

Evans, Robert G.

2011-01-01

Long-term care (LTC) insurance is a salesman's dream. Millions of well-heeled boomers, anxious to protect their estates from the random expropriation of institutional dependency — what a market! But for Manulife, bleeding $1.5 million a day in LTC claims through subsidiary John Hancock, LTC is a nightmare. Company spokesmen blame unexpected increases in life expectancy. But management's fundamental error was insuring correlated risks. Risk pooling works only when individual risks are uncorrelated. Increases in life expectancy affect all contracts together. Manulife made the same mistake selling equity-linked annuities with guaranteed floors — essentially insuring against stock market declines. Results for shareholders have been catastrophic. Top management, meanwhile, have been honoured and richly rewarded. PMID:22851982

Hancocked: manulife and the limits of private health insurance.

PubMed

Evans, Robert G

2011-08-01

Long-term care (LTC) insurance is a salesman's dream. Millions of well-heeled boomers, anxious to protect their estates from the random expropriation of institutional dependency - what a market! But for Manulife, bleeding $1.5 million a day in LTC claims through subsidiary John Hancock, LTC is a nightmare. Company spokesmen blame unexpected increases in life expectancy. But management's fundamental error was insuring correlated risks. Risk pooling works only when individual risks are uncorrelated. Increases in life expectancy affect all contracts together. Manulife made the same mistake selling equity-linked annuities with guaranteed floors - essentially insuring against stock market declines. Results for shareholders have been catastrophic. Top management, meanwhile, have been honoured and richly rewarded.

Conceptualising the lack of health insurance coverage.

PubMed

Davis, J B

2000-01-01

This paper examines the lack of health insurance coverage in the US as a public policy issue. It first compares the problem of health insurance coverage to the problem of unemployment to show that in terms of the numbers of individuals affected lack of health insurance is a problem comparable in importance to the problem of unemployment. Secondly, the paper discusses the methodology involved in measuring health insurance coverage, and argues that the current method of estimation of the uninsured underestimates the extent that individuals go without health insurance. Third, the paper briefly introduces Amartya Sen's functioning and capabilities framework to suggest a way of representing the extent to which individuals are uninsured. Fourth, the paper sketches a means of operationalizing the Sen representation of the uninsured in terms of the disability-adjusted life year (DALY) measure.

[100 years with certificates: Danish Society of Insurance Medicine 1902-2002].

PubMed

Permin, Henrik

2002-01-01

Danish Society of Insurance Medicine was formed in 1902 as an association between the Danish Society of Accident Insurance and the Danish Society of Life Insurance Medicine, both founded a year before. The purpose of the society is to apply and to further the scientific basis of insurance medicine. The meetings also play a role as a forum for discussions. The members of the society are all working part-time in an insurance company in Denmark (in contrast to many other countries where it is a full-time job). The members are mainly specialists in medicine and surgery. During the first half life of the society nearly all members were high-qualified doctors, i.e. professors and consultants at a university hospital in Copenhagen usually with a doctoral degree. These prominent doctors had a significant influence on insurance medicine in Denmark. The managing directors of the Insurance Companies were invited to the meetings. Many scientific works and textbooks were written on the subject. The society arranges two meetings yearly - one concerning with life insurance and one with accident-insurance medicine. Previously, the question put to the medical adviser was always "Which impairments can still be insured?", but today the question is the opposite "Which impairments are not insurable?" The members have increased to currently 112, still only men, but today the members are younger, comprise fewer professors and fewer with a doctoral degree. During the last 6 years, all interested members in the insurance companies have been invited to the meetings, providing a broader input for the discussions. The topic of the meeting is of current interest: new laws or a new treatment of a disease (medication, surgery) which has been introduced. One to three speakers open the meeting, followed by a discussion. The meetings are always concluded with a light meal and a glass of wine, in earlier days also with cigars and Danish schnaps. 190 meetings have been held during the last 100 years

Demand for Self-Employed Health Insurance.

PubMed

Emamgholipour, Sara; Arab, Mohammad; Ebrahimzadeh, Javad

2016-10-01

Health insurance provides financial support for health care expenditures. There are two types of health insurance: compulsory and voluntary. Voluntary health insurance can be divided into two categories: self-employed and supplementary. In this study, the main factors that affect the demand for self-employed health insurance in Iran were determined. In this cross-sectional study, data were derived from the 2013 Household Income and Expenditure Survey from the Statistical Center of Iran. Then, a logistic regression model was designed to determine the factors influencing health insurance demand. The age, income, and education level of the head of the household directly correlated with the demand for self-employed health insurance. There was no significant relationship between the demand for health insurance and the gender or marital status of the head of the household. In addition, there were no significant relationships between occupation or house ownership and the demand for health insurance in rural households. To promote voluntary health insurance, it is helpful to identify effective factors that stimulate the health insurance demand.

[What do company health insurance plans provide?

PubMed

Hamiki, R

2016-12-15

Company health insurance plans are a voluntary employer benefit and an increasingly important part of company pension and benefits systems. They enable employers to invest in the health of their employees. They are also a useful modular complement to both statutory and private health insurance. Company health insurance plans allow employers to attract first-rate staff and to retain them for the long term. Employees, in turn, are provided with a variety of attractive additional benefits, for instance treatment by chief physicians, single or double-room hospital accommodation, additional aids and remedies, and a variety of screenings and medical check ups. It is expected that, in the next few years, company health insurance will become very widespread.

38 CFR 36.4512 - Taxes and insurance.

Code of Federal Regulations, 2010 CFR

2010-07-01

... 38 Pensions, Bonuses, and Veterans' Relief 2 2010-07-01 2010-07-01 false Taxes and insurance. 36...) LOAN GUARANTY Direct Loans § 36.4512 Taxes and insurance. (a) In addition to the monthly installment... taxes and assessments, ground rents, insurance premiums, and similar levies or charges on the security...