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Sample records for additional life insurance

  1. 46 CFR 308.502 - Additional insurance.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... 46 Shipping 8 2013-10-01 2013-10-01 false Additional insurance. 308.502 Section 308.502 Shipping MARITIME ADMINISTRATION, DEPARTMENT OF TRANSPORTATION EMERGENCY OPERATIONS WAR RISK INSURANCE War Risk Cargo Insurance I-Introduction § 308.502 Additional insurance. The assured may place increased value...

  2. 46 CFR 308.502 - Additional insurance.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... 46 Shipping 8 2012-10-01 2012-10-01 false Additional insurance. 308.502 Section 308.502 Shipping MARITIME ADMINISTRATION, DEPARTMENT OF TRANSPORTATION EMERGENCY OPERATIONS WAR RISK INSURANCE War Risk Cargo Insurance I-Introduction § 308.502 Additional insurance. The assured may place increased value...

  3. 46 CFR 308.502 - Additional insurance.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... 46 Shipping 8 2014-10-01 2014-10-01 false Additional insurance. 308.502 Section 308.502 Shipping MARITIME ADMINISTRATION, DEPARTMENT OF TRANSPORTATION EMERGENCY OPERATIONS WAR RISK INSURANCE War Risk Cargo Insurance Introduction § 308.502 Additional insurance. The assured may place increased value...

  4. 46 CFR 308.502 - Additional insurance.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... 46 Shipping 8 2010-10-01 2010-10-01 false Additional insurance. 308.502 Section 308.502 Shipping MARITIME ADMINISTRATION, DEPARTMENT OF TRANSPORTATION EMERGENCY OPERATIONS WAR RISK INSURANCE War Risk Cargo Insurance I-Introduction § 308.502 Additional insurance. The assured may place increased value...

  5. 46 CFR 308.502 - Additional insurance.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... 46 Shipping 8 2011-10-01 2011-10-01 false Additional insurance. 308.502 Section 308.502 Shipping MARITIME ADMINISTRATION, DEPARTMENT OF TRANSPORTATION EMERGENCY OPERATIONS WAR RISK INSURANCE War Risk Cargo Insurance I-Introduction § 308.502 Additional insurance. The assured may place increased value...

  6. Let's Teach Life Insurance Concepts

    ERIC Educational Resources Information Center

    Coleman, Larry D.

    1973-01-01

    The author presents arguments for teaching life insurance concepts as part of the business education curriculum. He also presents specific facts, "knowledges," understandings, and concepts as part of the learning process. (AG)

  7. 76 FR 77455 - Servicemembers' Group Life Insurance and Veterans' Group Life Insurance-Slayer's Rule Exclusion

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-12-13

    ... AFFAIRS 38 CFR Part 9 RIN 2900-AN40 Servicemembers' Group Life Insurance and Veterans' Group Life...' Group Life Insurance (``SGLI'') and Veterans' Group Life Insurance (``VGLI'') to prohibit payment of insurance proceeds payable because of the death of a person whose life was insured under SGLI or...

  8. 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…

  9. 76 FR 71624 - Agency Information Collection (Claim for Disability Insurance Benefits, Government Life Insurance...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-11-18

    ... AFFAIRS Agency Information Collection (Claim for Disability Insurance Benefits, Government Life Insurance..., Government Life Insurance, VA Form 29-357. OMB Control Number: 2900-0016. Type of Review: Extension of a... disability insurance on National Service Life Insurance and United States Government Life Insurance...

  10. Business quality control in issuing life insurance.

    PubMed

    Roberts, N K

    1999-01-01

    Fraud investigation and fraud control are entirely different processes. Similarly the auditing of a life insurance company and the issuing of life insurance policies and business quality control are not the same. Business quality control and fraud control have much in common. In this article, these similarities are explored and a case is made that companies issuing life insurance policies should consider the business quality control approach rather than the more traditional investigatory methods.

  11. 77 FR 60304 - Servicemembers' Group Life Insurance and Veterans' Group Life Insurance-Slayer's Rule Exclusion

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-10-03

    ... ] because of the death of a person whose life was insured under SGLI or VGLI (decedent) or payment of a SGLI... assisted the slayer in causing the death of the decedent. Additionally, this document contains an interim... person who has intentionally and wrongfully caused the death of another person'' if the benefits would...

  12. Life insurance: genomic stratification and risk classification.

    PubMed

    Joly, Yann; Burton, Hilary; Knoppers, Bartha Maria; Feze, Ida Ngueng; Dent, Tom; Pashayan, Nora; Chowdhury, Susmita; Foulkes, William; Hall, Alison; Hamet, Pavel; Kirwan, Nick; Macdonald, Angus; Simard, Jacques; Van Hoyweghen, Ine

    2014-05-01

    With the development and increasing accessibility of new genomic tools such as next-generation sequencing, genome-wide association studies, and genomic stratification models, the debate on genetic discrimination in the context of life insurance became even more complex, requiring a review of current practices and the exploration of new scenarios. In this perspective, a multidisciplinary group of international experts representing different interests revisited the genetics and life insurance debate during a 2-day symposium 'Life insurance: breast cancer research and genetic risk prediction seminar' held in Quebec City, Canada on 24 and 25 September 2012. Having reviewed the current legal, social, and ethical issues on the use of genomic information in the context of life insurance, the Expert Group identified four main questions: (1) Have recent developments in genomics and related sciences changed the contours of the genetics and life insurance debate? (2) Are genomic results obtained in a research context relevant for life insurance underwriting? (3) Should predictive risk assessment and risk stratification models based on genomic data also be used for life insurance underwriting? (4) What positive actions could stakeholders in the debate take to alleviate concerns over the use of genomic information by life insurance underwriters? This paper presents a summary of the discussions and the specific action items recommended by the Expert Group.

  13. Life insurance: genomic stratification and risk classification

    PubMed Central

    Joly, Yann; Burton, Hilary; Knoppers, Bartha Maria; Feze, Ida Ngueng; Dent, Tom; Pashayan, Nora; Chowdhury, Susmita; Foulkes, William; Hall, Alison; Hamet, Pavel; Kirwan, Nick; Macdonald, Angus; Simard, Jacques; Van Hoyweghen, Ine

    2014-01-01

    With the development and increasing accessibility of new genomic tools such as next-generation sequencing, genome-wide association studies, and genomic stratification models, the debate on genetic discrimination in the context of life insurance became even more complex, requiring a review of current practices and the exploration of new scenarios. In this perspective, a multidisciplinary group of international experts representing different interests revisited the genetics and life insurance debate during a 2-day symposium ‘Life insurance: breast cancer research and genetic risk prediction seminar' held in Quebec City, Canada on 24 and 25 September 2012. Having reviewed the current legal, social, and ethical issues on the use of genomic information in the context of life insurance, the Expert Group identified four main questions: (1) Have recent developments in genomics and related sciences changed the contours of the genetics and life insurance debate? (2) Are genomic results obtained in a research context relevant for life insurance underwriting? (3) Should predictive risk assessment and risk stratification models based on genomic data also be used for life insurance underwriting? (4) What positive actions could stakeholders in the debate take to alleviate concerns over the use of genomic information by life insurance underwriters? This paper presents a summary of the discussions and the specific action items recommended by the Expert Group. PMID:24129434

  14. 5 CFR 870.701 - 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. 870.701... REGULATIONS (CONTINUED) FEDERAL EMPLOYEES' GROUP LIFE INSURANCE PROGRAM Annuitants and Compensationers § 870.701 Eligibility for life insurance. (a) When an insured employee retires, Basic life insurance...

  15. 5 CFR 870.701 - 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. 870.701... REGULATIONS (CONTINUED) FEDERAL EMPLOYEES' GROUP LIFE INSURANCE PROGRAM Annuitants and Compensationers § 870.701 Eligibility for life insurance. (a) When an insured employee retires, Basic life insurance...

  16. 5 CFR 870.701 - 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. 870.701... REGULATIONS (CONTINUED) FEDERAL EMPLOYEES' GROUP LIFE INSURANCE PROGRAM Annuitants and Compensationers § 870.701 Eligibility for life insurance. (a) When an insured employee retires, Basic life insurance...

  17. 5 CFR 870.701 - 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. 870.701... REGULATIONS (CONTINUED) FEDERAL EMPLOYEES' GROUP LIFE INSURANCE PROGRAM Annuitants and Compensationers § 870.701 Eligibility for life insurance. (a) When an insured employee retires, Basic life insurance...

  18. 5 CFR 870.701 - 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. 870.701... REGULATIONS (CONTINUED) FEDERAL EMPLOYEES' GROUP LIFE INSURANCE PROGRAM Annuitants and Compensationers § 870.701 Eligibility for life insurance. (a) When an insured employee retires, Basic life insurance...

  19. 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...

  20. 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...

  1. 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...

  2. 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...

  3. 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...

  4. 26 CFR 1.7702-2 - Attained age of the insured under a life insurance contract.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... 26 Internal Revenue 13 2012-04-01 2012-04-01 false Attained age of the insured under a life...-2 Attained age of the insured under a life insurance contract. (a) In general. This section provides guidance on determining the attained age of an insured under a contract that is a life insurance...

  5. Recent developments in health insurance, life insurance, and disability insurance case law.

    PubMed

    Hasman, Joseph J; Chittenden, William A; Doolin, Elizabeth G; Wall, Julie F

    2008-01-01

    This survey reviews significant state and federal court decisions from 2006 and 2007 involving health, life, and disability insurance. Also reviewed is a June 2008 Supreme Court decision in the disability insurance realm, affirming that a conflict of interest exists when an ERISA plan sponsor or insurer fulfills the dual role of determining plan benefits and paying those benefits but noting that the conflict is merely one factor in considering the legality of benefit denials. In addition, this years' survey includes compelling decisions in the life and health arena, including cases addressing statutory penalties and mandated benefits, as well as some ERISA decisions of note. This year, the Texas Supreme Court held that Texas's most recent version of the prompt payment statute abolished the common law interpleader exception and allowed the prevailing adverse claimant in an interpleader action filed beyond the sixty-day statutory period to recover statutory interest and attorney fees from the insurer. Meanwhile, the Court of Appeals of New York upheld the constitutionality of a statute mandating coverage for contraceptives in those employer-sponsored health plans that offer prescription drug coverage, including those plans sponsored by faith-based social service organizations. In the ERISA context, litigants continue to fight over the standard of review with varying results. In a unique assault on the arbitrary and capricious standard of review, the Fourth Circuit found that an ERISA plan abused its discretion when it failed to apply the doctrine of contra proferentem to construe ambiguous plan terms against itself. In more hopeful news for plan insurers, the Tenth Circuit held that claimants are not entitled to review and rebut medical opinions generated during the administrative appeal of a claim denial before a final decision is reached unless such reports contain new factual information.

  6. Making Sense out of Life Insurance.

    ERIC Educational Resources Information Center

    Gainor, Victor T., III

    1992-01-01

    Amount of life insurance provided for administrators through school districts is usually far less than families would need to sustain standard of living and be financially secure in event of their premature deaths. Article provides advice on choosing, purchasing coverage equivalent to 10 times the amount of salary. Objective insurance company…

  7. 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...

  8. 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...

  9. 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...

  10. 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...

  11. 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...

  12. 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...

  13. 26 CFR 1.803-1 - Life insurance reserves.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... 26 Internal Revenue 8 2012-04-01 2012-04-01 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,...

  14. 26 CFR 1.803-1 - Life insurance reserves.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... 26 Internal Revenue 8 2014-04-01 2014-04-01 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,...

  15. 26 CFR 1.801-4 - Life insurance reserves.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... 26 Internal Revenue 8 2012-04-01 2012-04-01 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...

  16. 26 CFR 1.803-1 - Life insurance reserves.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... 26 Internal Revenue 8 2013-04-01 2013-04-01 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,...

  17. 26 CFR 1.801-4 - Life insurance reserves.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... 26 Internal Revenue 8 2013-04-01 2013-04-01 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...

  18. 26 CFR 1.801-4 - Life insurance reserves.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... 26 Internal Revenue 8 2014-04-01 2014-04-01 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...

  19. 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

    ... mutual), mutual marine insurance companies, and mutual fire insurance companies issuing perpetual... insurance companies (other than life or mutual), mutual marine insurance companies, and mutual fire... marine insurance companies and mutual fire insurance companies exclusively issuing either...

  20. 20 CFR 416.1230 - Exclusion of life insurance.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... any), term insurance and burial insurance will not be taken into account. (b) Definitions—(1) Life... cancellation of the policy before death of the insured or before maturity of the policy. (8) Burial insurance. Burial insurance is insurance whose terms specifically provide that the proceeds can be used only to...

  1. 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...

  2. 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...

  3. 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...

  4. 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...

  5. 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...

  6. 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...

  7. 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...

  8. 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... 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...

  9. 76 FR 56504 - Proposed Information Collection (Claim for Disability Insurance Benefits, Government Life...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-09-13

    ... AFFAIRS Proposed Information Collection (Claim for Disability Insurance Benefits, Government Life... information technology. Title: Claim for Disability Insurance Benefits, Government Life Insurance, VA Form 29... Service Life Insurance and United States Government Life Insurance policies. The information collected...

  10. 48 CFR 552.228-5 - Government as Additional Insured.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... 48 Federal Acquisition Regulations System 4 2014-10-01 2014-10-01 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...

  11. 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...

  12. 48 CFR 552.228-5 - Government as Additional Insured.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... 48 Federal Acquisition Regulations System 4 2012-10-01 2012-10-01 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...

  13. 48 CFR 552.228-5 - Government as Additional Insured.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... 48 Federal Acquisition Regulations System 4 2013-10-01 2013-10-01 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...

  14. Survey of state insurance commissioners concerning genetic testing and life insurance

    SciTech Connect

    McEwen, J.E.; McCarty, K.; Reilly, P.R. )

    1992-10-01

    Rapid advances in genetic testing have stimulated growing concern about the potential for misuse of genetic data by insurance companies, employers, and other third parties. Thus far, reports of genetically based discrimination in life insurance have been anecdotal. Reasoning that state insurance commissioners were likely to be aware of (1) the extent of current use of and interest in genetic tests by life insurers and (2) consumer complaints about insurance being denied because of genetic condition or because of genetic test results, the authors conducted a survey of that group. They received responses from 42 of the 51 jurisdictions. Results suggest (1) that those who regulate the life insurance industry do not yet perceive genetic testing to pose a significant problem in how insurers rate applicants, (2) that life insurers have much legal latitude to require genetic tests, and (3) that so far few consumers have formally complained to commissioners about the use of genetic data by life insurers.

  15. Life Insurance: A Suggested Adult Business Education Course.

    ERIC Educational Resources Information Center

    New York State Education Dept., Albany. Bureau of Continuing Education Curriculum Development.

    This course is aimed at the buyer or potential buyer of life insurance for the purpose of helping him to a better understanding of life insurance and of aiding him in making decisions about his own life insurance coverage. It is structured to be taught one evening a week for six to eight weeks. Each session would last about two hours. The course…

  16. 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...

  17. 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...

  18. 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...

  19. 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...

  20. 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...

  1. 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...

  2. 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...

  3. 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...

  4. 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...

  5. 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...

  6. 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...

  7. 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...

  8. 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...

  9. 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...

  10. 26 CFR 1.801-4 - Life insurance reserves.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ...) INCOME TAXES Life Insurance Companies § 1.801-4 Life insurance reserves. (a) Life insurance reserves... otherwise provided by section 801(b)(2) and paragraphs (b) and (c) of this section, are required by law. For the meaning of the term “reserves required by law”, see paragraph (b) of § 1.801-5. For purposes...

  11. The Added Value of Medical Testing in Underwriting Life Insurance

    PubMed Central

    Bronsema, Jan; Brouwer, Sandra; de Boer, Michiel R.; Groothoff, Johan W.

    2015-01-01

    Background In present-day life-insurance medical underwriting practice the risk assessment starts with a standard health declaration (SHD). Indication for additional medical screening depends predominantly on age and amount of insured capital. From a medical perspective it is questionable whether there is an association between the level of insured capital and medical risk in terms of mortality. The aim of the study is to examine the prognostic value of parameters from the health declaration and application form on extra mortality based on results from additional medical testing. Methods A history register-based cohort study was conducted including about 15.000 application files accepted between 2007 and 2010. Blood pressure, lipids, cotinine and glucose levels were used as dependent variables in logistic regression models. Resampling validation was applied using 250 bootstrap samples to calculate area under the curves (AUC’s). The AUC was used to discriminate between persons with and without at least 25% extra mortality. Results BMI and the overall assessment of the health declaration by an insurance physician or medical underwriter showed the strongest discrimination in multivariable analysis. Including all variables at minimum cut-off levels resulted in an AUC of 0.710 while by using a model with BMI, the assessment of the health declaration and gender, the AUC was 0.708. Including all variables at maximum cut-off levels lead to an AUC of 0.743 while a model with BMI, the assessment of the health declaration and age resulted in an AUC of 0.741. Conclusions The outcome of this study shows that BMI and the overall assessment of the health declaration were the dominant variables to discriminate between applicants for life-insurance with and without at least 25 percent extra mortality. The variable insured capital set by insurers as factor for additional medical testing could not be established in this study population. The indication for additional medical

  12. 77 FR 54621 - Pruco Life Insurance Company, et al;

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-09-05

    ...; File No. 812-13990] Pruco Life Insurance Company, et al; Notice of Application August 29, 2012. AGENCY... the Act from Section 17(a) of the Act. Applicants: Pruco Life Insurance Company (``Pruco Life''), Pruco Life Flexible Premium Variable Annuity Account (``Pruco Life Variable Annuity Account''),...

  13. 38 CFR 8.7 - Reinstatement of National Service Life Insurance except insurance issued pursuant to section 1925...

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... Service Life Insurance except insurance issued pursuant to section 1925 of title 38 U.S.C. 8.7 Section 8.7 Pensions, Bonuses, and Veterans' Relief DEPARTMENT OF VETERANS AFFAIRS NATIONAL SERVICE LIFE INSURANCE Reinstatement § 8.7 Reinstatement of National Service Life Insurance except insurance issued pursuant to...

  14. 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

  15. 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.

  16. Life Insurance: Who Needs It? Teacher's Guide [and] Student Material

    ERIC Educational Resources Information Center

    Turner, Elaine

    A unit to acquaint secondary school students with the basics of life insurance is presented. The document contains student materials and a teacher's guide. Objectives are to evaluate the four basic types of life insurance (term, whole life, limited payment life, and endowment), compare prices of policies, recognize the difference between…

  17. 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

    ... mutual), mutual marine insurance companies, mutual fire insurance companies issuing perpetual policies... Companies § 1.831-3 Tax on insurance companies (other than life or mutual), mutual marine insurance... insurance business within the United States, and all mutual marine insurance companies and mutual fire...

  18. 78 FR 38413 - American Family Life Insurance Company, et al.

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-06-26

    ... COMMISSION American Family Life Insurance Company, et al. June 20, 2013. AGENCY: Securities and Exchange...''). Applicants: American Family Life Insurance Company (the ``Company''), American Family Variable Account I (the ``Life Account''), and American Family Variable Account II (the ``Annuity Account'') (together,...

  19. 76 FR 17720 - American Family Life Insurance Company, et al.

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-03-30

    ... COMMISSION American Family Life Insurance Company, et al. March 24, 2011. AGENCY: Securities and Exchange... Company Act of 1940, as amended (the ``1940 Act''). Applicants: American Family Life Insurance Company (the ``Company''), American Family Variable Account I (the ``Life Account''), and American...

  20. [Rare diseases from a life insurance perspective].

    PubMed

    Senn, A; Filzmaier, K

    2015-12-01

    A rare disease is defined as a disease that affects a maximum of 5 in 10,000 people. As of today there are roughly 7000 different rare diseases known. On account of this one can say that "rare diseases are rare, but people affected by them are common". For Germany this amounts to: 4 million people that are affected by a rare disease. Diagnosis, therapeutic options and prognosis have substantially improved for some of the rare diseases. Besides the general medical advances--especially in the area of genetics--this is also due to networking and sharing information by so-called Centres of Competence on a national and international scale. This results in a better medical care for the corresponding group of patients. Against this backdrop, the number of people applying for life assurance who are suffering from a complex or rare disease has risen steadily in the last years. Due to the scarce availability of data regarding long-term prognosis of many rare diseases, a biomathematical, medical and actuarial expertise on the part of the insurer is necessary in order to adequately assess the risk of mortality and morbidity. Furthermore there is quite a focus on the issue of rare diseases from not only politics but society as well. Therefore evidence based medical assessment by insurers is especially important in this group of applicants--thinking of legal compliance and reputational risk.

  1. Life insurance investment and stock market participation in Europe.

    PubMed

    Cavapozzi, Danilo; Trevisan, Elisabetta; Weber, Guglielmo

    2013-03-01

    In most European countries life insurance has played a key role in household portfolios, to the extent that it has often been the first asset ever purchased. In this paper we use life history data from a host of European countries to investigate the role of life insurance investment in shaping individuals' attitudes towards participation in stocks and mutual funds. We show that individuals who purchased a life insurance policy are more likely to invest in stocks and mutual funds later. On the one hand, these findings support the notion that life insurance policies play an educational role in financial investment. On the other hand, they are also consistent with behavioural models where economic agents are first concerned with avoiding unacceptable adverse scenarios by purchasing low risk investments, such as life insurance policies, and then invest in riskier assets, such as stocks and mutual funds, to obtain higher economic returns.

  2. 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 552.67 National Defense Department of Defense (Continued) DEPARTMENT OF THE ARMY MILITARY RESERVATIONS AND NATIONAL CEMETERIES REGULATIONS AFFECTING MILITARY RESERVATIONS Solicitation on Military Reservations § 552.67 Life insurance policy...

  3. 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 552.67 National Defense Department of Defense (Continued) DEPARTMENT OF THE ARMY MILITARY RESERVATIONS AND NATIONAL CEMETERIES REGULATIONS AFFECTING MILITARY RESERVATIONS Solicitation on Military Reservations § 552.67 Life insurance policy...

  4. 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

    ... insurance companies not carrying on an insurance business within the United States, and all mutual marine...) Foreign insurance companies not carrying on an insurance business within the United States are not taxable... 26 Internal Revenue 8 2010-04-01 2010-04-01 false Tax on insurance companies (other than life...

  5. 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

    ... foreign insurance companies not carrying on an insurance business within the United States, and all mutual... Code. (d) Foreign insurance companies not carrying on an insurance business within the United States... 26 Internal Revenue 8 2011-04-01 2011-04-01 false Tax on insurance companies (other than life...

  6. 76 FR 24570 - Proposed Information Collection (Veterans Mortgage Life Insurance-Change of Address Statement...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-05-02

    ... AFFAIRS Proposed Information Collection (Veterans Mortgage Life Insurance--Change of Address Statement... Mortgage Life Insurance. DATES: Written comments and recommendations on the proposed collection of... information technology. Title: Veterans Mortgage Life Insurance--Change of Address Statement, VA Form...

  7. 77 FR 20886 - Agency Information Collection (Conversion From Servicemembers' Group Life Insurance to Veterans...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-04-06

    ... AFFAIRS Agency Information Collection (Conversion From Servicemembers' Group Life Insurance to Veterans' Group Life Insurance); Activity Under OMB Review AGENCY: Veterans Benefits Administration, Department of... Evaluation of the Conversion Privilege from Servicemembers' Group Life Insurance (SGLI) to Veterans'...

  8. 77 FR 3842 - Proposed Information Collection (Conversion from Servicemembers' Group Life Insurance to Veterans...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-01-25

    ... AFFAIRS Proposed Information Collection (Conversion from Servicemembers' Group Life Insurance to Veterans' Group Life Insurance); Comment Request AGENCY: Veterans Benefits Administration, Department of Veterans... members, especially service members with disabilities are informed about their life insurance...

  9. 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... OPERATIONS WAR RISK INSURANCE War Risk Protection and Indemnity Insurance § 308.204 Additional war risk protection and indemnity insurance. Owners or charterers may obtain, on an excess basis, additional war...

  10. 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... OPERATIONS WAR RISK INSURANCE War Risk Protection and Indemnity Insurance § 308.204 Additional war risk protection and indemnity insurance. Owners or charterers may obtain, on an excess basis, additional war...

  11. 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... OPERATIONS WAR RISK INSURANCE War Risk Protection and Indemnity Insurance § 308.204 Additional war risk protection and indemnity insurance. Owners or charterers may obtain, on an excess basis, additional war...

  12. 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... OPERATIONS WAR RISK INSURANCE War Risk Protection and Indemnity Insurance § 308.204 Additional war risk protection and indemnity insurance. Owners or charterers may obtain, on an excess basis, additional war...

  13. 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... OPERATIONS WAR RISK INSURANCE War Risk Protection and Indemnity Insurance § 308.204 Additional war risk protection and indemnity insurance. Owners or charterers may obtain, on an excess basis, additional war...

  14. 26 CFR 1.802-3 - Tax imposed on life insurance companies.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... a life insurance business within the United States if with respect to its United States business it... insurance companies. Foreign life insurance companies not carrying on an insurance business within the... 26 Internal Revenue 8 2011-04-01 2011-04-01 false Tax imposed on life insurance companies....

  15. 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)...

  16. 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...

  17. 26 CFR 1.79-1 - Group-term life insurance-general rules.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... one dollar of paid-up whole-life insurance) at the employee's attained age at the beginning of the... 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...

  18. 26 CFR 1.79-1 - Group-term life insurance-general rules.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... one dollar of paid-up whole-life insurance) at the employee's attained age at the beginning of the... 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...

  19. 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

    ... life insurance companies and other than fire, flood, or marine insurance companies, subject to tax... (other Than Life and Certain Marine Insurance Companies and Other Than Fire Or Flood Insurance Companies... companies other than life insurance companies and other than fire, flood, or marine insurance...

  20. How life insurance can benefit the business owner

    SciTech Connect

    Byles, B.

    1993-02-01

    There are many situations when life insurance can fill the financial needs of business owners. Three of the most common needs are business continuation/value conservation (buy-sell agreement), asset conservation upon death or disability of a key employee (replace the value of a key employee upon death or disability), and the reward and retention of selected employees (bonus or deferred compensation). Let's take a closer look to see why life insurance makes sense in these three areas.

  1. 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

    ... mutual), mutual marine insurance companies, and mutual fire insurance companies issuing perpetual policies. 1.831-1 Section 1.831-1 Internal Revenue INTERNAL REVENUE SERVICE, DEPARTMENT OF THE TREASURY... insurance companies (other than life or mutual), mutual marine insurance companies, and mutual...

  2. 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

    ... mutual), mutual marine insurance companies, and mutual fire insurance companies issuing perpetual policies. 1.831-1 Section 1.831-1 Internal Revenue INTERNAL REVENUE SERVICE, DEPARTMENT OF THE TREASURY... insurance companies (other than life or mutual), mutual marine insurance companies, and mutual...

  3. 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

    ... AFFAIRS Agency Information Collection (Application for Ordinary Life Insurance) Activity Under OMB Review... INFORMATION: Titles a. Application 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...

  4. 76 FR 24572 - Proposed Information Collection (Application for Ordinary Life Insurance) Activity: Comment Request

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-05-02

    ... AFFAIRS Proposed Information Collection (Application for Ordinary Life Insurance) Activity: Comment... techniques or the use of other forms of information technology. Titles: a. Application for Ordinary Life Insurance, Replacement Insurance for Modified Life Reduced at Age 65, National Service Life Insurance,...

  5. 78 FR 75581 - Minnesota Life Insurance Company, et al.; Notice of Application

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-12-12

    ... COMMISSION Minnesota Life Insurance Company, et al.; Notice of Application December 6, 2013. AGENCY: The.... Applicants: Minnesota Life Insurance Company (``Minnesota Life'' or ``Insurance Company''), Variable Annuity...., Washington, D.C. 20549- 1090. Applicants, c/o Daniel P. Preiner, Counsel, Minnesota Life Insurance...

  6. 32 CFR Appendix A to Part 50 - Life Insurance Products and Securities

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ... 32 National Defense 1 2014-07-01 2014-07-01 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...

  7. 32 CFR Appendix A to Part 50 - Life Insurance Products and Securities

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ... 32 National Defense 1 2012-07-01 2012-07-01 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...

  8. 32 CFR Appendix A to Part 50 - Life Insurance Products and Securities

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ... 32 National Defense 1 2013-07-01 2013-07-01 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...

  9. 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...

  10. 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...

  11. 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...

  12. 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...

  13. 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...

  14. The mutual shaping of life insurance and medicine in Finland.

    PubMed

    Jauho, Mikko

    2015-08-01

    This article examines the mutual shaping of medicine and private life insurance in Finland before the Second World War. Based on historical texts and archival material, it shows the important effects that the involvement of medicine in client selection for life insurance companies had on medical knowledge and practice. The analysis focuses on the tensions between the main actors in life insurance underwriting--candidates, insurance agents, examining physicians and the central office--as well as the medical examination as the key site of these tensions. The article shows how the introduction of a set of procedural and technical innovations reshaped the medical examination and helped to stabilize the fraught network of life insurance underwriting. These innovations re-scripted medical work. They stressed objective measurable knowledge over the personal skill and clinical acumen of the examining physician, propagated the physical examination and the use of diagnostic technologies and vital standards, multiplied medicine's administrative tasks, and contributed to the introduction of a risk factor approach to medicine. Moreover, the social organization of life insurance promoted the spread of these objects, practices and tasks to other fields of medicine. The case displays how medical innovations are developed through the situated interplay of multiple actors that cuts across the science-society boundary.

  15. 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…

  16. 26 CFR 1.594-1 - Mutual savings banks conducting life insurance business.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... savings banks conducting life insurance business. (a) Scope of application. Section 594 applies to the... insurance business, if: (1) The conduct of the life insurance business is authorized under State law, (2) The life insurance business is carried on in a separate department of the bank, (3) The books...

  17. 26 CFR 1.594-1 - Mutual savings banks conducting life insurance business.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... savings banks conducting life insurance business. (a) Scope of application. Section 594 applies to the... insurance business, if: (1) The conduct of the life insurance business is authorized under State law, (2) The life insurance business is carried on in a separate department of the bank, (3) The books...

  18. 77 FR 66069 - Veterans' Group Life Insurance (VGLI) No-Health Period Extension

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-11-01

    ... AFFAIRS 38 CFR Part 9 RIN 2900-AO24 Veterans' Group Life Insurance (VGLI) No-Health Period Extension... Life Insurance (VGLI) to extend to 240 days the current 120-day ``no-health'' period during which... insurability is needed, known as the Veterans' Group Life Insurance (VGLI) ``no- health'' period, from 120...

  19. 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

    ... Collection (Veterans Mortgage Life Insurance Statement) Activity Under OMB Review AGENCY: Veterans Benefits... Mortgage Life Insurance Statement, VA Form 29-8636. OMB Control Number: 2900-0212. Type of Review... Veterans Mortgage Life Insurance (VMLI) or to provide information upon which the insurance premium can...

  20. 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

    ... AFFAIRS Agency Information Collection (Veterans Mortgage Life Insurance Inquiry) Activity Under OMB Review... INFORMATION: Title: Veterans Mortgage Life Insurance Inquiry, VA Form 29-0543. OMB Control Number: 2900-0501... insured under Veterans Mortgage Life Insurance (VMLI) completes VA Form 29-0543 to report any...

  1. 38 CFR 6.3 - Incontestability of United States Government life insurance.

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ... United States Government life insurance. 6.3 Section 6.3 Pensions, Bonuses, and Veterans' Relief DEPARTMENT OF VETERANS AFFAIRS UNITED STATES GOVERNMENT LIFE INSURANCE Policies § 6.3 Incontestability of United States Government life insurance. Discharge or release of an insured from military or...

  2. 38 CFR 6.3 - Incontestability of United States Government life insurance.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ... United States Government life insurance. 6.3 Section 6.3 Pensions, Bonuses, and Veterans' Relief DEPARTMENT OF VETERANS AFFAIRS UNITED STATES GOVERNMENT LIFE INSURANCE Policies § 6.3 Incontestability of United States Government life insurance. Discharge or release of an insured from military or...

  3. 78 FR 36829 - Proposed Information Collection (Veterans Mortgage Life Insurance Statement) Activity: Comment...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-06-19

    ... AFFAIRS Proposed Information Collection (Veterans Mortgage Life Insurance Statement) Activity: Comment... solicits comments for information needed to decline Veterans Mortgage Life Insurance. DATES: Written... techniques or the use of other forms of information technology. Title: Veterans Mortgage Life...

  4. 75 FR 68040 - Proposed Information Collection (Veterans Mortgage Life Insurance Statement) Activity: Comment...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-11-04

    ... Collection (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...

  5. 76 FR 24571 - Proposed Information Collection (Veterans Mortgage Life Insurance Inquiry); Comment Request

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-05-02

    ... AFFAIRS Proposed Information Collection (Veterans Mortgage Life Insurance Inquiry); Comment Request AGENCY... information needed to maintain Veterans Mortgage Life Insurance accounts. DATES: Written comments and... techniques or the use of other forms of information technology. Title: Veterans Mortgage Life...

  6. 26 CFR 1.7702-2 - Attained age of the insured under a life insurance contract.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... May 1, 2007. On January 1, 2008, X purchases from IC a contract insuring X's life. January 1 is the contract anniversary date for all future years. IC determines X's annual premiums on an age-last-birthday basis. Based on the method used by IC to determine age, X has an attained age of 60 for the...

  7. 75 FR 13147 - Integrity Life Insurance Company, et al.;

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-03-18

    ... From the Federal Register Online via the Government Publishing Office SECURITIES AND EXCHANGE COMMISSION Integrity Life Insurance Company, et al.; Notice of Application March 10, 2010. AGENCY: Securities and Exchange Commission (the ``Commission''). ACTION: Notice of application for an order of...

  8. 75 FR 18908 - Jackson National Life Insurance Company, et al.

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-04-13

    ... From the Federal Register Online via the Government Publishing Office SECURITIES AND EXCHANGE COMMISSION Jackson National Life Insurance Company, et al. April 7, 2010. AGENCY: The Securities and Exchange Commission (``Commission''). ACTION: Notice of application for an order under Section 6(c) of the...

  9. 76 FR 20727 - National Life Insurance Company, et al.

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-04-13

    ... From the Federal Register Online via the Government Publishing Office SECURITIES AND EXCHANGE COMMISSION National Life Insurance Company, et al. April 7, 2011. AGENCY: Securities and Exchange Commission (``Commission''). ACTION: Notice of application for an order pursuant to Section 26(c) of the Investment...

  10. 76 FR 19150 - Jackson National Life Insurance Company, et al.

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-04-06

    ... From the Federal Register Online via the Government Publishing Office SECURITIES AND EXCHANGE COMMISSION Jackson National Life Insurance Company, et al. March 31, 2011. AGENCY: The Securities and Exchange Commission (``Commission'') ACTION: Notice of application for an order under Section 6(c) of...

  11. 75 FR 60833 - Jackson National Life Insurance Company, et al.;

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-10-01

    ... From the Federal Register Online via the Government Publishing Office SECURITIES AND EXCHANGE COMMISSION Jackson National Life Insurance Company, et al.; Notice of Application September 27, 2010. AGENCY: Securities and Exchange Commission (``Commission''). ACTION: Notice of application for an order under...

  12. 78 FR 54691 - American General Life Insurance Company, et al.

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-09-05

    ... From the Federal Register Online via the Government Publishing Office SECURITIES AND EXCHANGE COMMISSION American General Life Insurance Company, et al. August 29, 2013, AGENCY: The Securities and Exchange Commission (``Commission''). ACTION: Notice of application for an order under Section 6(c) of...

  13. 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…

  14. Modelling the life insurance needs using the human life value revision method

    NASA Astrophysics Data System (ADS)

    Hashim, Haslifah; Service, David

    2013-04-01

    There are numerous methods to determine the appropriate amount of life insurance a person needs - it can be scientific or simplistic. Many life insurance agents and financial advisors simply rely on traditional rules of thumb using the multiple of income method. The more scientific methods are the needs analysis and the human life value. The needs analysis is regarded as the most commonly used sales tool and the human life value is the most agreed academic expression for the purpose of life insurance. However, there are several weaknesses of using both methods. By using needs analysis as a sales tool, the recommendation amount of life insurance would leave a person underinsured. Similar goes to the human life value method. Nevertheless, both methods can be improved with a few revisions. The post-death needs under the needs analysis must be revised to incorporate the reality that the family's standard of living changes over time. The projection of a changing standard of living is a part of human life value analysis. Therefore, this research looked into both methods and combines both concept of needs analysis and human life value to create a powerful methodology that provide adequate life insurance protection - a method we name it as 'the Human Life Value Revision Method'.

  15. 75 FR 52065 - Proposed Information Collection (Veterans Mortgage Life Insurance Statement) Activity: Comment...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-08-24

    ... AFFAIRS Proposed Information Collection (Veterans Mortgage Life Insurance Statement) Activity: Comment... Register concerning each proposed collection of information, including each proposed extension of a... solicits comments for information needed to decline Veterans Mortgage Life Insurance. DATES:...

  16. 77 FR 22069 - Proposed Information Collection (Notice of Lapse-Government Life Insurance); Comment Request

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-04-12

    ... AFFAIRS Proposed Information Collection (Notice of Lapse--Government Life Insurance); Comment Request... Register concerning each proposed collection of information, including each proposed extension of a... Life Insurance policy. DATES: Written comments and recommendations on the proposed collection...

  17. 75 FR 68036 - Proposed Information Collection (Application for Conversion (Government Life Insurance)) Activity...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-11-04

    ... Collection (Application for Conversion (Government Life Insurance)) Activity: Comment Request AGENCY... Life Insurance), VA Form 29-0152. OMB Control Number: 2900-0149. Type of Review: Extension of...

  18. 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…

  19. 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…

  20. 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... beginning after December 31, 1962. 1.831-3 Section 1.831-3 Internal Revenue INTERNAL REVENUE SERVICE... Companies § 1.831-3 Tax on insurance companies (other than life or mutual), mutual marine...

  1. 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... beginning after December 31, 1962. 1.831-3 Section 1.831-3 Internal Revenue INTERNAL REVENUE SERVICE... Companies § 1.831-3 Tax on insurance companies (other than life or mutual), mutual marine...

  2. 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

    ... 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... Premium Deposits) § 1.821-1 Tax on mutual insurance companies other than life or marine or fire...

  3. 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

    ... 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... Premium Deposits) § 1.821-3 Tax on mutual insurance companies other than life or marine or fire...

  4. 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...

  5. 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....

  6. 75 FR 73166 - Agency Information Collection (Claim for One Sum Payment (Government Life Insurance)) Activities...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-11-29

    ... AFFAIRS Agency Information Collection (Claim for One Sum Payment (Government Life Insurance)) Activities... Control No. 2900- 0060.'' SUPPLEMENTARY INFORMATION: Titles: a. Claim for One Sum Payment (Government Life Insurance), VA Form 29-4125. b. Claim for Monthly Payments (National Service Life Insurance), VA Form...

  7. 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...

  8. 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....

  9. 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

    ... AFFAIRS Agency Information Collection (Notice of Lapse--Government Life Insurance) Activities Under OMB... INFORMATION: Titles: a. Notice of Lapse--Government Life Insurance, VA Form 29-389. b. Application for... government life insurance has lapsed or will lapse due to nonpayment of premiums. The claimant must...

  10. 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

    ... AFFAIRS Agency Information Collection (Claim for One Sum Payment (Government Life Insurance)) Activities... for One Sum Payment (Government Life Insurance), VA Form 29-4125. ] b. Claim for Monthly Payments (National Service Life Insurance), VA Form 29-4125a. c. Claim for Monthly Payments (United States...

  11. 77 FR 37839 - Veterans' Group Life Insurance (VGLI) No-Health Period Extension

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-06-25

    ... AFFAIRS 38 CFR Part 9 RIN 2900-AO24 Veterans' Group Life Insurance (VGLI) No-Health Period Extension... Affairs (VA) proposes to amend its regulations governing eligibility for Veterans' Group Life Insurance... indicate that they are submitted in response to ``RIN 2900-AO24--Veterans' Group Life Insurance (VGLI)...

  12. 75 FR 39994 - AXA Equitable Life Insurance Company, et al.; Notice of Application

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-07-13

    ... COMMISSION AXA Equitable Life Insurance Company, et al.; Notice of Application July 7, 2010. AGENCY... Act. APPLICANTS: AXA Equitable Life Insurance Company (``AXA Equitable''), Separate Account 45 of AXA... (``Separate Account FP'') (together, ``AXA Equitable Separate Accounts''), MONY Life Insurance Company...

  13. 78 FR 5841 - Symetra Life Insurance Company, et al.; Notice of Application

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-01-28

    ... COMMISSION Symetra Life Insurance Company, et al.; Notice of Application January 22, 2013. AGENCY: Securities... 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...

  14. 76 FR 40451 - Agency Information Collection (Veterans Mortgage Life Insurance-Change of Address Statement...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-07-08

    ... AFFAIRS Agency Information Collection (Veterans Mortgage Life Insurance-- Change of Address Statement.... 2900-0503.'' SUPPLEMENTARY INFORMATION: Title: Veterans Mortgage Life Insurance--Change of Address... continued ownership of property issued under Veterans Mortgage Life Insurance when an address change for...

  15. 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 §...

  16. 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

    ... AFFAIRS Agency Information Collection (Veterans Mortgage Life Insurance Statement) Activity Under OMB... ``OMB Control No. 2900-0212.'' SUPPLEMENTARY INFORMATION: Title: Veterans Mortgage Life Insurance... collection. Abstract: Veterans complete VA Form 29-8636 to decline Veterans Mortgage Life Insurance (VMLI)...

  17. 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....

  18. 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...

  19. 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....

  20. 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....

  1. 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...

  2. 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... are derived solely from the sale of variable life insurance contracts as defined in paragraph...

  3. 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 companies. (a) In general. For taxable years beginning after December 31, 1957, section 802(a)(1) imposes...

  4. 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,...

  5. 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...

  6. 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,...

  7. 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 insurance companies. (a) For taxable years beginning after December 31, 1953, but before January 1,...

  8. 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,...

  9. 5 CFR 352.309 - Retirement, health benefits, and group life insurance.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 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...

  10. 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...

  11. Pricing life insurance contracts with early exercise features

    NASA Astrophysics Data System (ADS)

    Bacinello, Anna Rita; Biffis, Enrico; Millossovich, Pietro

    2009-11-01

    In this paper we describe an algorithm based on the Least Squares Monte Carlo method to price life insurance contracts embedding American options. We focus on equity-linked contracts with surrender options and terminal guarantees on benefits payable upon death, survival and surrender. The framework allows for randomness in mortality as well as stochastic volatility and jumps in financial risk factors. We provide numerical experiments demonstrating the performance of the algorithm in the context of multiple risk factors and exercise dates.

  12. 76 FR 70510 - Federal Employees' Group Life Insurance Program: New Federal Employees' Group Life Insurance...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-11-14

    ... Federal Regulations. These include changes to premiums for Option B (most age bands), Option C (all age... notice announces changes to FEGLI Option B (most age bands), Option C (all age bands) and Post-Retirement Basic Insurance. The last premium change for some age categories of Option B and Option C and...

  13. Monitoring Actuarial Present Values of Term Life Insurance By a Statistical Process Control Chart

    NASA Astrophysics Data System (ADS)

    Hafidz Omar, M.

    2015-06-01

    Tracking performance of life insurance or similar insurance policy using standard statistical process control chart is complex because of many factors. In this work, we present the difficulty in doing so. However, with some modifications of the SPC charting framework, the difficulty can be manageable to the actuaries. So, we propose monitoring a simpler but natural actuarial quantity that is typically found in recursion formulas of reserves, profit testing, as well as present values. We shared some simulation results for the monitoring process. Additionally, some advantages of doing so is discussed.

  14. 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

    ... Companies and Other Than Fire Or Flood Insurance Companies Which Operate on Basis of Perpetual Policies Or Premium Deposits) § 1.821-1 Tax on mutual insurance companies other than life or marine or fire insurance... life or marine or fire insurance companies subject to the tax imposed by section 831. 1.821-1 Section...

  15. 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

    ... life insurance companies and other than fire, flood, or marine insurance companies, subject to tax... (other Than Life and Certain Marine Insurance Companies and Other Than Fire Or Flood Insurance Companies Which Operate on Basis of Perpetual Policies Or Premium Deposits) § 1.821-4 Tax on mutual...

  16. 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

    ... Companies and Other Than Fire Or Flood Insurance Companies Which Operate on Basis of Perpetual Policies Or Premium Deposits) § 1.821-3 Tax on mutual insurance companies other than life or marine or fire insurance... life or marine or fire insurance companies subject to the tax imposed by section 831. 1.821-3 Section...

  17. 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

    ... Companies and Other Than Fire Or Flood Insurance Companies Which Operate on Basis of Perpetual Policies Or Premium Deposits) § 1.821-3 Tax on mutual insurance companies other than life or marine or fire insurance... life or marine or fire insurance companies subject to the tax imposed by section 831. 1.821-3 Section...

  18. 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

    ... life insurance companies and other than fire, flood, or marine insurance companies, subject to tax... (other Than Life and Certain Marine Insurance Companies and Other Than Fire Or Flood Insurance Companies Which Operate on Basis of Perpetual Policies Or Premium Deposits) § 1.821-4 Tax on mutual...

  19. 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

    ... Companies and Other Than Fire Or Flood Insurance Companies Which Operate on Basis of Perpetual Policies Or Premium Deposits) § 1.821-1 Tax on mutual insurance companies other than life or marine or fire insurance... life or marine or fire insurance companies subject to the tax imposed by section 831. 1.821-1 Section...

  20. 78 FR 18634 - ING Life Insurance and Annuity Company, et al; Notice of Application

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-03-27

    ... Commission, ING has agreed to separate its banking and insurance businesses by 2013. ING intends to achieve... COMMISSION ING Life Insurance and Annuity Company, et al; Notice of Application March 21, 2013. AGENCY... 1940, as amended (the ``1940 Act'' or ``Act''). APPLICANTS: ING Life Insurance and Annuity...

  1. 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...

  2. 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...

  3. 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...

  4. 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...

  5. 26 CFR 1.79-0 - Group-term life insurance-definitions of certain terms.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... or less. Policy. The term “policy” includes two or more obligations of an insurer (or its affiliates... employees may be a policy. Similarly, two benefits provided to a group of employees, one term life insurance... 26 Internal Revenue 2 2010-04-01 2010-04-01 false Group-term life insurance-definitions of...

  6. 26 CFR 1.79-0 - Group-term life insurance-definitions of certain terms.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... or less. Policy. The term “policy” includes two or more obligations of an insurer (or its affiliates... employees may be a policy. Similarly, two benefits provided to a group of employees, one term life insurance... 26 Internal Revenue 2 2014-04-01 2014-04-01 false Group-term life insurance-definitions of...

  7. 32 CFR Appendix A to Part 50 - Life Insurance Products and Securities

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... and cost of government subsidized Servicemen's Group Life Insurance. 2. The address and phone number... and phone number where consumer complaints are received by the State insurance commissioner for...

  8. 26 CFR 1.818-4 - Election with respect to life insurance reserves computed on preliminary term basis.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    .... Section 818(c) permits a life insurance company issuing contracts with respect to which the life insurance... section 801 (relating to the definition of a life insurance company). If such an election is made, the... computed on preliminary term basis. If a life insurance company makes an election under section 818(c)...

  9. 77 FR 9708 - Pacific Life Insurance Company, et al.; Notice of Application

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-02-17

    ... COMMISSION Pacific Life Insurance Company, et al.; Notice of Application February 13, 2012. AGENCY... rule 12d1-2 under the Act to invest in certain financial instruments. Applicants: Pacific Life Insurance Company (``Pacific Life''), Pacific Life & Annuity Company (``PL&A,'' and collectively...

  10. [Change in the panorama of chronic diseases and their insurability by life insurance].

    PubMed

    Fröhlich, E M

    1989-05-01

    The health condition of man has changed considerably since life insurance companies have been established. The initial problem of the companies was the fact that many young persons died from tuberculosis. For many decades persons from families with tuberculosis cases or with underweight were not accepted for insurance on their lives. Nevertheless companies observed many deaths causes by this disease. Medical directors and actuaries studied these cases in detail (dates and numbers), even of the deceased. The resulting statistics formed the premium calculation basis for persons with an increased risk. Comparative studies allowed acceptance for more people. Within the last decades when sulfonamides, antibiotics and insulin were discovered and produced the mortality ratio decreased. Nowadays, even persons who suffered from tuberculosis do not present an increased risk anymore. The life expectancy has doubled during the last century. This is why degenerative diseases increased, especially the coronary heart diseases. While thirty years ago the mortality ratio stood at about 500%, improved medical and surgical therapy made prognosis easier and when risk factors can be eliminated the mortality ratio tends to be less than 200%. Since insulin is available, patients with type I-diabetes do not die anymore in coma, the remaining risk is the sclerosis of the vessels. Diabetes with adults increases with overweight, high blood pressure and hyperlipemia. The mortality ratio depends on these risk factors. Morbus Crohn, first described in 1932, seems to increase. Life insurance needs more long-term statistical data. For only some years we are confronted with the immunodeficiency "Aids".(ABSTRACT TRUNCATED AT 250 WORDS)

  11. 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...

  12. 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...

  13. 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...

  14. 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...

  15. 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...

  16. 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...

  17. 38 CFR 8.26 - Renewal of National Service Life Insurance on the 5-year level premium term plan.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... Service Life Insurance on the 5-year level premium term plan. 8.26 Section 8.26 Pensions, Bonuses, and Veterans' Relief DEPARTMENT OF VETERANS AFFAIRS NATIONAL SERVICE LIFE INSURANCE Renewal of Term Insurance § 8.26 Renewal of National Service Life Insurance on the 5-year level premium term plan. (a)...

  18. 38 CFR 8.26 - Renewal of National Service Life Insurance on the 5-year level premium term plan.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... Service Life Insurance on the 5-year level premium term plan. 8.26 Section 8.26 Pensions, Bonuses, and Veterans' Relief DEPARTMENT OF VETERANS AFFAIRS NATIONAL SERVICE LIFE INSURANCE Renewal of Term Insurance § 8.26 Renewal of National Service Life Insurance on the 5-year level premium term plan. (a)...

  19. 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...

  20. 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...

  1. 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...

  2. 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...

  3. 75 FR 27377 - Jackson National Life Insurance Company of New York, et al.

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-05-14

    ... COMMISSION Jackson National Life Insurance Company of New York, et al. May 10, 2010. AGENCY: The Securities.... Applicants: Jackson National Life Insurance Company of New York (``JNL New York''), JNLNY Separate Account I (the ``JNLNY Separate Account''), and Jackson National Life Distributors LLC (``Distributor,''...

  4. 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...

  5. 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...

  6. 31 CFR 515.526 - Transactions involving blocked life insurance policies.

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ... 31 Money and Finance:Treasury 3 2014-07-01 2014-07-01 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...

  7. 31 CFR 515.526 - Transactions involving blocked life insurance policies.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ... 31 Money and Finance:Treasury 3 2013-07-01 2013-07-01 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...

  8. 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...

  9. 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...

  10. 26 CFR 1.79-0 - Group-term life insurance-definitions of certain terms.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... 26 Internal Revenue 2 2012-04-01 2012-04-01 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...

  11. 26 CFR 1.79-0 - Group-term life insurance-definitions of certain terms.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... 26 Internal Revenue 2 2013-04-01 2013-04-01 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...

  12. 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...

  13. 26 CFR 1.817-5 - Diversification requirements for variable annuity, endowment, and life insurance contracts.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... annuity, endowment, and life insurance contracts. 1.817-5 Section 1.817-5 Internal Revenue INTERNAL...) Miscellaneous Provisions § 1.817-5 Diversification requirements for variable annuity, endowment, and life..., or life insurance contract for any calendar quarter period for which the investments of any...

  14. 26 CFR 1.817-5 - Diversification requirements for variable annuity, endowment, and life insurance contracts.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... annuity, endowment, and life insurance contracts. 1.817-5 Section 1.817-5 Internal Revenue INTERNAL...) Miscellaneous Provisions § 1.817-5 Diversification requirements for variable annuity, endowment, and life..., or life insurance contract for any calendar quarter period for which the investments of any...

  15. 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...) 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...

  16. 26 CFR 1.804-4 - Investment yield of a life insurance company.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... expenses, depreciation, depletion, and trade or business (other than an insurance business) expenses... property used in the operation of a life insurance business. (4) Limitation on deductions allowable under... investment department, and the remaining ten floors are occupied by it in carrying on its insurance...

  17. '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?

  18. Court upholds prison term for fraud against life insurers.

    PubMed

    1999-10-15

    The 7th U.S. Circuit Court of Appeals in Chicago upheld the lower court conviction of [name removed] for fraud and mail fraud. [Name removed] enrolled seven critically ill persons under employee group life insurance through his travel agency, Corporate Travel Consultants Corp. in a scheme to collect $2.4 million. None of the people were employees of his company. The deaths of an HIV-infected man and [name removed]'s 95-year-old mother paid him $600,000 in benefits before the plot was discovered. He was sentenced to a jail term, fined $50,000, and ordered to make restitution in the amount of $600,000. The three-judge panel said that in spite of some errors, the sentence was appropriate.

  19. 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.

  20. 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...

  1. 78 FR 46420 - Proposed Information Collection (Application for Conversion (Government Life Insurance)) Activity...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-07-31

    ... From the Federal Register Online via the Government Publishing Office DEPARTMENT OF VETERANS AFFAIRS Proposed Information Collection (Application for Conversion (Government Life Insurance)) Activity...: Application for Conversion (Government Life Insurance), VA Form 29-0152. OMB Control Number: 2900-0149....

  2. 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...

  3. 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...

  4. 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...

  5. 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...

  6. 76 FR 36583 - Submission for Review: Life Insurance Election, Standard Form 2817

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-06-22

    ... MANAGEMENT Submission for Review: Life Insurance Election, Standard Form 2817 AGENCY: U.S. Office of... to comment on a revised information collection request (ICR) 3206-0230, Life Insurance Election. As... information technology, e.g., permitting electronic submissions of responses. DATES: Comments are...

  7. 17 CFR 270.6c-3 - Exemptions for certain registered variable life insurance separate accounts.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... 17 Commodity and Securities Exchanges 3 2011-04-01 2011-04-01 false Exemptions for certain registered variable life insurance separate accounts. 270.6c-3 Section 270.6c-3 Commodity and Securities... 1940 § 270.6c-3 Exemptions for certain registered variable life insurance separate accounts. A...

  8. 17 CFR 270.6c-3 - Exemptions for certain registered variable life insurance separate accounts.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 17 Commodity and Securities Exchanges 3 2010-04-01 2010-04-01 false Exemptions for certain registered variable life insurance separate accounts. 270.6c-3 Section 270.6c-3 Commodity and Securities... 1940 § 270.6c-3 Exemptions for certain registered variable life insurance separate accounts. A...

  9. 26 CFR 1.264-4 - Other life insurance, endowment, or annuity contracts.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... life insurance policies on several of its key employees. Such purchase by R Corporation will not, of... 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...

  10. 26 CFR 1.381(d)-1 - Operations loss carryovers of life insurance companies.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... companies. 1.381(d)-1 Section 1.381(d)-1 Internal Revenue INTERNAL REVENUE SERVICE, DEPARTMENT OF THE... 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 §...

  11. 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... 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 means...

  12. 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...

  13. 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...

  14. 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...

  15. 26 CFR 1.804-3 - Gross investment income 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 Gross investment income of a life insurance... income of a life 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...

  16. 26 CFR 1.804-3 - Gross investment income 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 Gross investment income of a life insurance... income of a life 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...

  17. Servicemembers' Group Life Insurance--Veterans' Group Life Insurance regulation update--ABO, VGLI application, SGLI 2-year disability extension. Final rule.

    PubMed

    2014-07-31

    This document amends the Department of Veterans Affairs (VA) insurance regulations concerning Servicemembers' Group Life Insurance (SGLI) to reflect the statutory provisions of the Veterans' Benefits Act of 2010, which became law on October 13, 2010, and resulted in the need for amendments to change the SGLI Disability Extension period from 1 year to 2 years in duration; provide SGLI Traumatic Injury Protection (TSGLI) retroactive coverage effective from October 7, 2001, for all qualifying injuries regardless of the geographic location and military operation in which the injuries were incurred; and remove the SGLI and Veterans' Group Life Insurance (VGLI) Accelerated Benefits Option (ABO) discount rate. This rule also clarifies that ``initial premium'' refers to ``initial Veterans' Group Life Insurance premium,'' updates the current address of the Office of Servicemembers' Group Life Insurance (OSGLI), managed by Prudential Insurance Company of America, to reflect where the ABO application is mailed for processing, and corrects the OSGLI phone number. Finally, this rule removes the ABO application form from the regulation, and it corrects and clarifies language concerning the VGLI application period that was inadvertently incorrectly modified in a prior amendment of the regulations.

  18. 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

    ... 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 Life Insurance in monthly installments under section 1917(e) of title 38 U.S.C. (a) Effective January...

  19. 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

    ... 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 Life Insurance in monthly installments under section 1917(e) of title 38 U.S.C. (a) Effective January...

  20. Human Values and the Market: The Case of Life Insurance and Death in 19th-Century America.

    ERIC Educational Resources Information Center

    Zelizer, Viviana A.

    1978-01-01

    Explores the development of life insurance programs in the United States during the nineteenth century and traces social attitudes about life insurance from rejection to acceptance. Historical data indicate that life insurance emerged in the late nineteenth century as a form of ritual with which to face death. (Author/DB)

  1. 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...

  2. 26 CFR 1.79-3 - Determination of amount equal to cost of group-term life insurance.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ...-term life insurance. 1.79-3 Section 1.79-3 Internal Revenue INTERNAL REVENUE SERVICE, DEPARTMENT OF THE... Income § 1.79-3 Determination of amount equal to cost of group-term life insurance. (a) In general. This section prescribes the rules for determining the amount equal to the cost of group-term life insurance...

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

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ...-term life insurance. 1.79-3 Section 1.79-3 Internal Revenue INTERNAL REVENUE SERVICE, DEPARTMENT OF THE... Income § 1.79-3 Determination of amount equal to cost of group-term life insurance. (a) In general. This section prescribes the rules for determining the amount equal to the cost of group-term life insurance...

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

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... 26 Internal Revenue 8 2013-04-01 2013-04-01 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...

  5. 26 CFR 1.818-4 - Election with respect to life insurance reserves computed on preliminary term basis.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... 26 Internal Revenue 8 2014-04-01 2014-04-01 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...

  6. About Insurance.

    ERIC Educational Resources Information Center

    Pieslak, Raymond F.

    The student manual for high school level special needs students was prepared to acquaint deaf students with the various types of insurance protection that will be available to them in their future life. Seven units covering the topics of what insurance is, automobile insurance, life insurance, health insurance, social security, homeowner's…

  7. 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,…

  8. 12 CFR 2.3 - Distribution of credit life insurance income.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 12 Banks and Banking 1 2013-01-01 2013-01-01 false Distribution of credit life insurance income. 2... insurance should be based on the benefits of the policy, not the commissions received from the sale. (c... customers must be credited to the income accounts of the bank. (d) The requirements of paragraph (c) of...

  9. 12 CFR 2.3 - Distribution of credit life insurance income.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 12 Banks and Banking 1 2011-01-01 2011-01-01 false Distribution of credit life insurance income. 2... insurance should be based on the benefits of the policy, not the commissions received from the sale. (c... customers must be credited to the income accounts of the bank. (d) The requirements of paragraph (c) of...

  10. 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... 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 corporation which is...

  11. 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... 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 corporation which is...

  12. 78 FR 53175 - The Northwestern Mutual Life Insurance Company, et al.;

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-08-28

    ... From the Federal Register Online via the Government Publishing Office SECURITIES AND EXCHANGE COMMISSION The Northwestern Mutual Life Insurance Company, et al.; Notice of Application Agency: Securities and Exchange Commission (``SEC'' or ``Commission'') August 22, 2013. ACTION: Notice of application...

  13. 76 FR 2756 - Agency Information Collection (Application for Conversion) (Government Life Insurance) Activity...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-01-14

    ... From the Federal Register Online via the Government Publishing Office DEPARTMENT OF VETERANS AFFAIRS Agency Information Collection (Application for Conversion) (Government Life Insurance) Activity... No. 2900-0149.'' SUPPLEMENTARY INFORMATION: Title: Application for Conversion (Government...

  14. 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

    ... insurance taken out in a trade or business. (a) When premiums are not deductible. Premiums paid by a... would otherwise be deductible as trade or business expenses, if they are paid on a life insurance policy... 26 Internal Revenue 3 2010-04-01 2010-04-01 false Premiums on life insurance taken out in a...

  15. Disability Insurance

    PubMed Central

    Williamson, Elliot A.

    1985-01-01

    A disability insurance policy provides specified income benefits when the insured person becomes unable to work because of illness or accident. With an individual policy, the insured person is generally the policy holder. With a group plan, the employer is the policy holder. An individual policy can provide several optional benefits in addition to disability benefits, which are not available in a group plan. In assessing risk, the insurer uses the application, the agent's report, a physical examination, the attending physician's report, and sometimes a consumer investigation company's inspection report. Records from the Medical Information Bureau, an association of American and Canadian life insurance companies, may also be used. The process of claims adjudication is described, as are differences between short-term and long-term disability claims. Many group policies have a rehabilitation provision; payments may continue while the claimant undergoes rehabilitation or retraining. Imagesp1928-a PMID:21274206

  16. 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

  17. 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.

  18. 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…

  19. 78 FR 77365 - Federal Employees' Group Life Insurance Program: Options B and C

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-12-23

    ...; ] OFFICE OF PERSONNEL MANAGEMENT 5 CFR Part 870 RIN 3206-AM96 Federal Employees' Group Life Insurance... U.S. Office of Personnel Management (OPM) is proposing to amend the Federal Employees' Group Life..., 1998, Public Law 105-311, 112 Stat. 2950, was signed into law. This law, the Federal Employees...

  20. 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...

  1. 26 CFR 1.101-7 - Mortality table used to determine exclusion for deferred payments of life insurance proceeds.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... provides only for the payment of $5,000 per year for the life of the beneficiary, A, beginning with the... deferred payments of life insurance proceeds. 1.101-7 Section 1.101-7 Internal Revenue INTERNAL REVENUE... payments of life insurance proceeds. (a) Mortality table. Notwithstanding any provision of § 1.101-4...

  2. 26 CFR 1.101-7 - Mortality table used to determine exclusion for deferred payments of life insurance proceeds.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... provides only for the payment of $5,000 per year for the life of the beneficiary, A, beginning with the... deferred payments of life insurance proceeds. 1.101-7 Section 1.101-7 Internal Revenue INTERNAL REVENUE... payments of life insurance proceeds. (a) Mortality table. Notwithstanding any provision of § 1.101-4...

  3. 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

    ... insurance business within the United States, and all mutual marine insurance companies and mutual fire or flood insurance companies exclusively issuing perpetual policies or whose principal business is the...) Foreign insurance companies not carrying on an insurance business within the United States are not...

  4. 26 CFR 1.831-3 - Tax on insurance companies (other than life or mutual), mutual marine insurance companies, mutual...

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... business within the United States, and all mutual marine insurance companies and mutual fire or flood insurance companies exclusively issuing perpetual policies or whose principal business is the issuance of...) Foreign insurance companies not carrying on an insurance business within the United States are not...

  5. 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…

  6. 38 CFR 8.26 - Renewal of National Service Life Insurance on the 5-year level premium term plan.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ...) Effective June 25, 1970, a 5-year level premium term policy which lapsed for nonpayment of the premium due... Service Life Insurance on the 5-year level premium term plan. 8.26 Section 8.26 Pensions, Bonuses, and Veterans' Relief DEPARTMENT OF VETERANS AFFAIRS NATIONAL SERVICE LIFE INSURANCE Renewal of Term...

  7. 38 CFR 8.26 - Renewal of National Service Life Insurance on the 5-year level premium term plan.

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ...) Effective June 25, 1970, a 5-year level premium term policy which lapsed for nonpayment of the premium due... Service Life Insurance on the 5-year level premium term plan. 8.26 Section 8.26 Pensions, Bonuses, and Veterans' Relief DEPARTMENT OF VETERANS AFFAIRS NATIONAL SERVICE LIFE INSURANCE Renewal of Term...

  8. 38 CFR 8.26 - Renewal of National Service Life Insurance on the 5-year level premium term plan.

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ...) Effective June 25, 1970, a 5-year level premium term policy which lapsed for nonpayment of the premium due... Service Life Insurance on the 5-year level premium term plan. 8.26 Section 8.26 Pensions, Bonuses, and Veterans' Relief DEPARTMENT OF VETERANS AFFAIRS NATIONAL SERVICE LIFE INSURANCE Renewal of Term...

  9. 26 CFR 1.6052-1 - Information returns regarding payment of wages in the form of group-term life insurance.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... in the form of group-term life insurance. 1.6052-1 Section 1.6052-1 Internal Revenue INTERNAL REVENUE... § 1.6052-1 Information returns regarding payment of wages in the form of group-term life insurance. (a... employees remuneration for services in the form of group-term life insurance on the life of such...

  10. 76 FR 17166 - TIAA-CREF Life Insurance Company, et al.

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-03-28

    ... From the Federal Register Online via the Government Publishing Office SECURITIES AND EXCHANGE COMMISSION TIAA-CREF Life Insurance Company, et al. March 22, 2011. AGENCY: U.S. Securities and Exchange Commission (``Commission''). ACTION: Notice of application for an order under Section 26(c) of the...

  11. 76 FR 33003 - TIAA-CREF Life Insurance Company, et al.

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-06-07

    ... From the Federal Register Online via the Government Publishing Office SECURITIES AND EXCHANGE COMMISSION TIAA-CREF Life Insurance Company, et al. June 1, 2011. AGENCY: Securities and Exchange Commission (``Commission'') ACTION: Notice of application for an order under Section 26(c) of the Investment Company Act...

  12. 75 FR 36452 - Pruco Life Insurance Company, et al.; Notice of Application

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-06-25

    ... From the Federal Register Online via the Government Publishing Office SECURITIES AND EXCHANGE COMMISSION Pruco Life Insurance Company, et al.; Notice of Application June 18, 2010. AGENCY: Securities and Exchange Commission (``SEC'' or ``Commission''). ACTION: Notice of application for an order under Section...

  13. 76 FR 401 - MetLife Insurance Company of Connecticut, et al.

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-01-04

    ... From the Federal Register Online via the Government Publishing Office SECURITIES AND EXCHANGE COMMISSION MetLife Insurance Company of Connecticut, et al. December 28, 2010. AGENCY: Securities and Exchange Commission (``Commission''). ACTION: Notice of application for an order pursuant to Section...

  14. 26 CFR 1.264-4 - Other life insurance, endowment, or annuity contracts.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... disbursements method of accounting, on January 1, 1964, purchases from a life insurance company a policy in the amount of $100,000 with an annual gross premium of $2,200. For the first policy year, A pays the annual premium by means other than by borrowing. For the second, third, fourth, and fifth policy years,...

  15. 26 CFR 1.804-3 - Gross investment income of a life insurance company.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... beginning after December 31, 1958, the amount (if any) by which the net short-term capital gain (as defined in section 1222(5)) exceeds the net long-term capital loss (as defined in section 1222(8)), and (3... the Code, section 804(b) defines the term gross investment income of a life insurance company as...

  16. 78 FR 56757 - Submission for Review: Federal Employees' Group Life Insurance (FEGLI)

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-09-13

    ... From the Federal Register Online via the Government Publishing Office 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...

  17. 78 FR 28007 - Submission for Review: Federal Employees' Group Life Insurance (FEGLI) Implementation...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-05-13

    ... 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, Office of Personnel...

  18. 32 CFR Appendix B to Part 50 - Overseas Life Insurance Registration Program

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ... 32 National Defense 1 2013-07-01 2013-07-01 false Overseas Life Insurance Registration Program B Appendix B to Part 50 National Defense Department of Defense OFFICE OF THE SECRETARY OF DEFENSE PERSONNEL, MILITARY AND CIVILIAN PERSONAL COMMERCIAL SOLICITATION ON DOD INSTALLATIONS Pt. 50, App. B Appendix B...

  19. 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 Appendix B to Part 50 National Defense Department of Defense OFFICE OF THE SECRETARY OF DEFENSE PERSONNEL, MILITARY AND CIVILIAN PERSONAL COMMERCIAL SOLICITATION ON DOD INSTALLATIONS Pt. 50, App. B Appendix B...

  20. 17 CFR 270.6e-2 - Exemptions for certain variable life insurance separate accounts.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... the term “sales load,” as used in the Act and rules and regulations thereunder, shall have the meaning... the life insurer shall have (i) a combined capital and surplus, if a stock company, or (ii) an... which are funded by the separate account, and that the terms of the contract are fully disclosed in...

  1. 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.

  2. 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.

  3. 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.

  4. 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.

  5. 17 CFR 270.6e-3(T) - Temporary exemptions for flexible premium variable life insurance separate accounts.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... specific resolution of the board of directors of the separate account, or to securities in transit in... assets of the separate account by the life insurer without a trust indenture or other such instrument;...

  6. 17 CFR 270.6e-3(T) - Temporary exemptions for flexible premium variable life insurance separate accounts.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... specific resolution of the board of directors of the separate account, or to securities in transit in... assets of the separate account by the life insurer without a trust indenture or other such instrument;...

  7. 17 CFR 270.6e-3(T) - Temporary exemptions for flexible premium variable life insurance separate accounts.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... specific resolution of the board of directors of the separate account, or to securities in transit in... assets of the separate account by the life insurer without a trust indenture or other such instrument;...

  8. 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...

  9. Explicit portfolio for unit-linked life insurance contracts with surrender option

    NASA Astrophysics Data System (ADS)

    Vandaele, Nele; Vanmaele, Michèle

    2009-11-01

    Introducing a surrender option in unit-linked life insurance contracts leads to a dependence between the surrender time and the financial market. [J. Barbarin, Risk minimizing strategies for life insurance contracts with surrender option, Tech. rep., University of Louvain-La-Neuve, 2007] used a lot of concepts from credit risk to describe the surrender time in order to hedge such types of contracts. The basic assumption made by Barbarin is that the surrender time is not a stopping time with respect to the financial market. The goal of this article is to make the hedging strategies more explicit by introducing concrete processes for the risky asset and by restricting the hazard process to an absolutely continuous process. First, we assume that the risky asset follows a geometric Brownian motion. This extends the theory of [T. Møller, Risk-minimizing hedging strategies for insurance payment processes, Finance and Stochastics 5 (2001) 419-446], in that the random times of payment are not independent of the financial market. Second, the risky asset follows a Lévy process. For both cases, we assume the payment process contains a continuous payment stream until surrender or maturity and a payment at surrender or at maturity, whichever comes first.

  10. 26 CFR 31.6001-2 - Additional records under Federal Insurance Contributions Act.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... Insurance Contributions Act shall keep records of all remuneration, whether in cash or in a medium other... name are as shown on an account number card issued to the employee by the Social Security... number and name are as shown on an account number card issued to the employee by the Social...

  11. 76 FR 5861 - Medicare, Medicaid, and Children's Health Insurance Programs; Additional Screening Requirements...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-02-02

    ...This final rule with comment period will implement provisions of the ACA that establish: Procedures under which screening is conducted for providers of medical or other services and suppliers in the Medicare program, providers in the Medicaid program, and providers in the Children's Health Insurance Program (CHIP); an application fee imposed on institutional providers and suppliers; temporary......

  12. 26 CFR 31.6001-2 - Additional records under Federal Insurance Contributions Act.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... Insurance Contributions Act shall keep records of all remuneration, whether in cash or in a medium other... name are as shown on an account number card issued to the employee by the Social Security... number and name are as shown on an account number card issued to the employee by the Social...

  13. 26 CFR 31.6001-2 - Additional records under Federal Insurance Contributions Act.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... Insurance Contributions Act shall keep records of all remuneration, whether in cash or in a medium other... name are as shown on an account number card issued to the employee by the Social Security... number and name are as shown on an account number card issued to the employee by the Social...

  14. Novel electrolyte additives to enhance zinc electrode cycle life

    SciTech Connect

    Doddapaneni, N.; Ingersoll, D.

    1995-11-01

    Electrochemical power sources that utilize zinc electrodes possess many advantages. Zinc is abundantly available, benign, inexpensive, stable over a wide operating temperature range, and has a high oxidation potential. In spite of these advantageous characteristics, rechargeable electrochemical systems based on zinc chemistry have not found widespread use. The major disadvantages of zinc electrodes are that they have limited cycle life due to zinc slumping and zinc electrode shape changes in alkaline solutions resulting from the solubility of zincate (Zn(OH){sub 4}{sup 2-}) in these solutions. As a result, premature cell failure often results due to cell shorting caused by dendritic growth as well as zinc slumping. In this paper we describe the chemical and physical characteristics of electrolyte solutions employing additives, particularly for zinc based electrochemical systems. These electrolytes are prepared using the alkali metal salts of 1,3,5-phenyltrisulfonic acid in combination with potassium hydroxide. The alkali metal salts of the acid possess good thermal stability, good ionic conductivity, and have a wide electrochemical voltage window in aqueous systems. With these electrolyte solutions improved cycle life was achieved in Zn/NiOOH and Zn/AgO. Improved cycle life with this additive is attributed to decreased zincate solubility, resulting in reduced zinc slumping and electrode shape changes. In addition, increased shelf-life and reduced self-discharge were also observed in many alkaline power sources.

  15. 26 CFR 1.6052-1 - Information returns regarding payment of wages in the form of group-term life insurance.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... in the form of group-term life insurance. 1.6052-1 Section 1.6052-1 Internal Revenue INTERNAL REVENUE...) Information Returns § 1.6052-1 Information returns regarding payment of wages in the form of group-term life... provides any one of his employees remuneration for services in the form of group-term life insurance on...

  16. 26 CFR 1.6052-1 - Information returns regarding payment of wages in the form of group-term life insurance.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... in the form of group-term life insurance. 1.6052-1 Section 1.6052-1 Internal Revenue INTERNAL REVENUE...) Information Returns § 1.6052-1 Information returns regarding payment of wages in the form of group-term life... provides any one of his employees remuneration for services in the form of group-term life insurance on...

  17. 77 FR 4734 - Servicemembers' Group Life Insurance-Stillborn Child Coverage

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-01-31

    ..., the child would be insured by the coverage of the child's SGLI-insured mother. DATES: Comments must be... Improvements Act of 2001, Public Law 107-14, established a program of family insurance coverage under... stillborn child of two SGLI-covered parents will always be insured under the mother's coverage. Ease...

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

    PubMed

    Sohn, Heeju

    2017-04-01

    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.

  19. Traumatic injury protection rider to Servicemembers' Group Life Insurance. Final rule.

    PubMed

    2007-03-08

    This document adopts with changes a Department of Veterans Affairs (VA) interim final rule that implemented section 1032 of Public Law 109-13, the "Emergency Supplemental Appropriations Act for Defense, the Global War on Terror, and Tsunami Relief, 2005." Section 1032 of Public Law 109-13 established an automatic traumatic injury protection rider to Servicemembers' Group Life Insurance (SGLI) for any SGLI insured who sustains a serious traumatic injury that results in certain losses as prescribed by the Secretary of Veterans Affairs in collaboration with the Secretary of Defense. Section 1032(a) is codified at 38 U.S.C. 1980A. Section 1032(c)(1) of Public Law 109-13 also authorized the payment of this traumatic injury benefit (TSGLI) to members of the uniformed services who incurred a qualifying loss between October 7, 2001, and the effective date of section 1032 of Public Law 109-13, i.e., December 1, 2005, provided the loss was a direct result of injuries incurred in Operation Enduring Freedom (OEF) or Operation Iraqi Freedom (OIF). This document modifies Sec. 9.20 of the interim rule to provide that a service member must suffer a scheduled loss within 2 years after a traumatic injury, rather than one year as provided in current Sec. 9.20(d)(4). This document also amends Sec. 9.20(d)(1) to clarify that a service member does not have to be insured under SGLI in order to be eligible for TSGLI based upon incurrence of a traumatic injury between October 7, 2001, and December 1, 2005, if the member's loss was a direct result of injuries incurred in OEF or OIF.

  20. 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.

  1. Private health insurance and quality of life: perspectives of older Australians with multiple chronic conditions.

    PubMed

    Jeon, Yun-Hee; Black, Annie; Govett, Janelle; Yen, Laurann; McRae, Ian

    2012-01-01

    A qualitative study was conducted to explore in-depth issues relating to the health costs of chronic illness as identified in a previous study. A key theme that emerged from interviews carried out was the benefits and challenges of private health insurance (PHI) membership, and choices older Australians with multimorbidity make in accessing health services, with and without PHI. This is the focus of this paper. Semistructured interviews were conducted with 40 older people with multiple chronic conditions. Data were analysed using content analysis. Key motivators for maintaining PHI included: fear of an inability to access timely health care; the opportunity to exercise choice in service provider; a belief of being 'better off' both medically and financially, which was often ill-founded; and the core values of self reliance and independence. Most described financial pressure caused by rising PHI premiums as well as other out-of-pocket health related expenses. Many older people who can ill afford PHI still struggle to maintain it, potentially at the cost of their quality of life, based on beliefs about costs of health care that they have never properly assessed. The findings highlight the degree to which people whose resources are constrained are prepared to go to maintain access to private hospital care. Attention should be given to assisting older people to make informed and valid choices of health insurance derived from the facts, rather than being based on fear and assumptions.

  2. 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.

  3. 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.

  4. 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

    ... life insurance salesman, home worker, or traveling or city salesman. 404.1008 Section 404.1008... commission-driver, full-time life insurance salesman, home worker, or traveling or city salesman. (a) General... or city salesman. The main activity of a traveling or city salesman is taking orders for...

  5. 38 CFR 8.0 - Definitions of terms used in connection with title 38 CFR, part 8, National Service Life Insurance.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... in connection with title 38 CFR, part 8, National Service Life Insurance. 8.0 Section 8.0 Pensions, Bonuses, and Veterans' Relief DEPARTMENT OF VETERANS AFFAIRS NATIONAL SERVICE LIFE INSURANCE Applications § 8.0 Definitions of terms used in connection with title 38 CFR, part 8, National Service...

  6. 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

    ... 17 Commodity and Securities Exchanges 3 2010-04-01 2010-04-01 false Form N-27I-2, notice of withdrawal right and statement of charges for variable life insurance contractholders required pursuant to... variable life insurance contractholders required pursuant to Rule 6e-2 (§ 270.6e-2 of this...

  7. 17 CFR 274.303 - Form N-27I-2, notice of withdrawal right and statement of charges for variable life insurance...

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... 17 Commodity and Securities Exchanges 3 2011-04-01 2011-04-01 false Form N-27I-2, notice of withdrawal right and statement of charges for variable life insurance contractholders required pursuant to... variable life insurance contractholders required pursuant to Rule 6e-2 (§ 270.6e-2 of this...

  8. 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

    ... companies, including foreign insurance companies carrying on an insurance business within the United States... mutual insurance companies not carrying on an insurance business within the United States are not taxable... 26 Internal Revenue 8 2010-04-01 2010-04-01 false Tax on mutual insurance companies other...

  9. 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

    ... companies, including foreign insurance companies carrying on an insurance business within the United States... mutual insurance companies not carrying on an insurance business within the United States are not taxable... 26 Internal Revenue 8 2011-04-01 2011-04-01 false Tax on mutual insurance companies other...

  10. 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

    ... or business. 1.264-1 Section 1.264-1 Internal Revenue INTERNAL REVENUE SERVICE, DEPARTMENT OF THE... Premiums on life insurance taken out in a trade or business. (a) When premiums are not deductible. Premiums... though they would otherwise be deductible as trade or business expenses, if they are paid on a...

  11. 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

    ... insurance business within the United States, not taxable under section 802 or 831 and not specifically... mutual insurance companies not carrying on an insurance business within the United States are not taxable... 26 Internal Revenue 8 2010-04-01 2010-04-01 false Tax on mutual insurance companies other...

  12. 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

    ... on an insurance business within the United States, not taxable under section 802 or 831, and not... insurance company subject to the tax imposed by section 831) not carrying on an insurance business within... 26 Internal Revenue 8 2011-04-01 2011-04-01 false Tax on mutual insurance companies other...

  13. 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

    ... insurance business within the United States, not taxable under section 802 or 831 and not specifically... mutual insurance companies not carrying on an insurance business within the United States are not taxable... 26 Internal Revenue 8 2011-04-01 2011-04-01 false Tax on mutual insurance companies other...

  14. 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.

  15. Investigating genetic discrimination in the Australian life insurance sector: the use of genetic test results in underwriting, 1999-2003.

    PubMed

    Otlowski, Margaret; Barlow-Stewart, Kristine; Taylor, Sandra; Stranger, Mark; Treloar, Susan

    2007-02-01

    A major component of the Genetic Discrimination Project (GDP), an Australia-wide study to examine the advantages and disadvantages for individuals of having genetic information and cases of alleged genetic discrimination, is the analysis of insurers' use of genetic test results. The peak life insurance body, IFSA, had collected data through the Australian Institute of Actuaries (AIA) for the period June 1999-May 2003 from life insurance companies in Australia regarding their use of genetic test results in insurance underwriting. The GDP negotiated with IFSA and the AIA for access to this data for independent analysis. Applications from 288 individuals who had disclosed a genetic test result included products for cover for death, trauma/crisis, income protection/disability and total and permanent disablement. A total of 81% (234/288) contained usable data for analysis. These cases involved the genetic conditions haemochromatosis (71%), Huntington disease (12%) and breast/ovarian cancer (6%). In 49% of cases, the genetic test result was described as the only influencing factor and of these, 32% involved a "positive" genetic test result. Whilst underwriting in most cases appeared to be reasonable, the article highlights several cases involving disclosure of a positive predictive test result for breast/ovarian cancer that required further investigation.

  16. 32 CFR Appendix A to Part 50 - Life Insurance Products and Securities

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... where consumer complaints are received by the State insurance commissioner for the State in which the... and phone number where consumer complaints are received by the State insurance commissioner for the... product, the agent shall provide the customer written documentation, which clearly explains how much...

  17. 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...

  18. 78 FR 68103 - Transamerica Life Insurance Company, et al; Notice of Application

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-11-13

    ...: Michelle Roberts, Senior Counsel, or Joyce M. Pickholz, Branch Chief, Insured Investments Office, Division... annuity policies, including endorsements thereto, and certificates under group policies marketed under the... well as variable annuity policies, including endorsements thereto, and certificates under...

  19. An Insurance Planner. Teaching Low-Income Consumers about Insurance.

    ERIC Educational Resources Information Center

    Shurtz, Mary Ann; LeFlore, Ann Becker

    This module, one of six on teaching consumer matters to low-income groups, focuses on buying insurance. Topics include life insurance (language, types, settlement options), auto insurance, health insurance (standard, health maintenance organizations, medicaid, medicare), tenant's insurance (property damage, liability), what to do in case of loss,…

  20. [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.

  1. What is the difference? Evidence on the distribution of wealth, health, life expectancy, and health insurance coverage.

    PubMed

    Kennickell, Arthur B

    2008-09-10

    There is a literature of long standing that considers the relationship between income and differentials in mortality and morbidity, but information on differentials over the distribution of accumulated wealth have been far more scarce and subject to measurement problems. This paper provides evidence from the Survey of Consumer Finances, which is designed as a survey of wealth, on the distribution of wealth and income and how those distributions have shifted in recent years. Particular attention is paid to the distribution of wealth across minority groups and across age groups. The paper also examines the relationship between wealth and health status, life expectancy, and health insurance coverage.

  2. Leadership and change commitment in the life insurance service context in Taiwan: the mediating-moderating role of job satisfaction.

    PubMed

    Yang, Yi-Feng

    2011-06-01

    The effects of transformational leadership and satisfaction were studied along with their interconnected effects (mediation and moderation) on commitment to change in the life insurance industry in two samples, sales managers and salespersons. A multiple mediated-moderated regression approach showed mediation and moderation to have statistically significant main effects on change commitment. Transformational leadership and satisfaction made a more important contribution to change commitment while job satisfaction had a mediating and moderating role that could enhance the relationships between leadership and change commitment. This information is of importance in building successful change commitment associations with customers.

  3. 78 FR 8601 - AXA Equitable Life Insurance Company, et al; Notice of Application

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-02-06

    ... Counsel, or Michael L. Kosoff, Branch Chief, Office of Insurance Products, Division of Investment... an ``EQ Portfolio'' and collectively, the ``EQ Portfolios''). It has three classes of shares--Class... investment manager (``Manager'') of each of the EQ Portfolios pursuant to the Investment...

  4. 32 CFR Appendix B to Part 50 - Overseas Life Insurance Registration Program

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ..., MILITARY AND CIVILIAN PERSONAL COMMERCIAL SOLICITATION ON DOD INSTALLATIONS Pt. 50, App. B Appendix B to.... Insurers must apply by June 30 of each year for solicitation privileges on overseas U.S. military... Recreation (MWR) Policy Directorate, 4000 Defense, Pentagon, Washington, DC 20301-4000. The...

  5. 32 CFR Appendix B to Part 50 - Overseas Life Insurance Registration Program

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ..., MILITARY AND CIVILIAN PERSONAL COMMERCIAL SOLICITATION ON DOD INSTALLATIONS Pt. 50, App. B Appendix B to.... Insurers must apply by June 30 of each year for solicitation privileges on overseas U.S. military... Recreation (MWR) Policy Directorate, 4000 Defense, Pentagon, Washington, DC 20301-4000. The...

  6. 32 CFR Appendix B to Part 50 - Overseas Life Insurance Registration Program

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ..., MILITARY AND CIVILIAN PERSONAL COMMERCIAL SOLICITATION ON DOD INSTALLATIONS Pt. 50, App. B Appendix B to.... Insurers must apply by June 30 of each year for solicitation privileges on overseas U.S. military... Recreation (MWR) Policy Directorate, 4000 Defense, Pentagon, Washington, DC 20301-4000. The...

  7. Insurance status as a sociodemographic risk factor for functional outcomes and health-related quality of life among youth with sickle cell disease.

    PubMed

    Robinson, M Renee; Daniel, Lauren C; O'Hara, Emily A; Szabo, Margo M; Barakat, Lamia P

    2014-01-01

    Youth with sickle cell disease (SCD) are at risk for functional limitations and poor health-related quality of life (QoL). This study examined sociodemographic factors that may interact with medical complications to reduce functional ability and QoL among youth with SCD. Fifty-three patient/caregiver pairs (children 8 to 18 years; M=12.3 y) with SCD completed the Functional Disability Inventory and Pediatric Quality of Life Inventory questionnaires. Medical database reviews were conducted to collect health care utilization, disease complications, and sociodemographic information; insurance type (public vs. private insurance) and family zip code to access Census tract data reflecting neighborhood distress. Insurance type, but not neighborhood sociodemographic risk indicators, was significantly associated with disease-related complications and QoL. There were significant differences in both health care utilization and QoL by insurance type. Complications were higher in the group with public insurance. Insurance type seems to be more strongly related to disease outcomes and QoL than neighborhood sociodemographic distress. Closer attention to the contribution of insurance type to health outcomes may provide important insight to potential barriers for disease management. These issues are critically important for health care efficiency and equity for poor and underserved children with chronic health conditions.

  8. 38 CFR 8.0 - Definitions of terms used in connection with title 38 CFR, part 8, National Service Life Insurance.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... § 8.0 Definitions of terms used in connection with title 38 CFR, part 8, National Service Life... 38 Pensions, Bonuses, and Veterans' Relief 1 2010-07-01 2010-07-01 false Definitions of terms used in connection with title 38 CFR, part 8, National Service Life Insurance. 8.0 Section 8.0...

  9. Analysis of Servicemembers’ Group Life Insurance (SGLI) Program: History, Current Issues and Future Implications

    DTIC Science & Technology

    2011-06-01

    provide coverage for servicemembers. Even though insurance actuaries are fairly reliable in predicting deaths in the armed services during peacetime...Pool is managed by Conversion Pool Managers, a group of [usually five] individuals, generally actuaries , from the participating companies. These...USDVA, 2010d). These are deaths that would otherwise exceed the normal actuarially expected number of peacetime deaths and, therefore, the DoD pays

  10. 46 CFR 117.72 - Personal flotation devices carried in addition to life jackets.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... 46 Shipping 4 2013-10-01 2013-10-01 false Personal flotation devices carried in addition to life... PASSENGERS LIFESAVING EQUIPMENT AND ARRANGEMENTS Ring Life Buoys and Life Jackets § 117.72 Personal flotation... persons working near or over the water. (d) Commercial hybrid personal flotation devices (PFD) approved...

  11. 46 CFR 117.72 - Personal flotation devices carried in addition to life jackets.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... 46 Shipping 4 2011-10-01 2011-10-01 false Personal flotation devices carried in addition to life jackets. 117.72 Section 117.72 Shipping COAST GUARD, DEPARTMENT OF HOMELAND SECURITY (CONTINUED) SMALL... PASSENGERS LIFESAVING EQUIPMENT AND ARRANGEMENTS Ring Life Buoys and Life Jackets § 117.72 Personal...

  12. 46 CFR 117.72 - Personal flotation devices carried in addition to life jackets.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... 46 Shipping 4 2012-10-01 2012-10-01 false Personal flotation devices carried in addition to life jackets. 117.72 Section 117.72 Shipping COAST GUARD, DEPARTMENT OF HOMELAND SECURITY (CONTINUED) SMALL... PASSENGERS LIFESAVING EQUIPMENT AND ARRANGEMENTS Ring Life Buoys and Life Jackets § 117.72 Personal...

  13. 46 CFR 117.72 - Personal flotation devices carried in addition to life jackets.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... 46 Shipping 4 2014-10-01 2014-10-01 false Personal flotation devices carried in addition to life jackets. 117.72 Section 117.72 Shipping COAST GUARD, DEPARTMENT OF HOMELAND SECURITY (CONTINUED) SMALL... PASSENGERS LIFESAVING EQUIPMENT AND ARRANGEMENTS Ring Life Buoys and Life Jackets § 117.72 Personal...

  14. 46 CFR 117.72 - Personal flotation devices carried in addition to life jackets.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... 46 Shipping 4 2010-10-01 2010-10-01 false Personal flotation devices carried in addition to life... PASSENGERS LIFESAVING EQUIPMENT AND ARRANGEMENTS Ring Life Buoys and Life Jackets § 117.72 Personal flotation... persons working near or over the water. (d) Commercial hybrid personal flotation devices (PFD) approved...

  15. 46 CFR 180.72 - Personal flotation devices carried in addition to life jackets.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... 46 Shipping 7 2011-10-01 2011-10-01 false Personal flotation devices carried in addition to life... Jackets § 180.72 Personal flotation devices carried in addition to life jackets. (a) Equipment carried... flotation devices (PFD) approved in accordance with § 160.077 of this chapter, or other standard...

  16. 46 CFR 180.72 - Personal flotation devices carried in addition to life jackets.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... 46 Shipping 7 2012-10-01 2012-10-01 false Personal flotation devices carried in addition to life... Jackets § 180.72 Personal flotation devices carried in addition to life jackets. (a) Equipment carried... flotation devices (PFD) approved in accordance with § 160.077 of this chapter, or other standard...

  17. 46 CFR 180.72 - Personal flotation devices carried in addition to life jackets.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... 46 Shipping 7 2013-10-01 2013-10-01 false Personal flotation devices carried in addition to life... Jackets § 180.72 Personal flotation devices carried in addition to life jackets. (a) Equipment carried... flotation devices (PFD) approved in accordance with § 160.077 of this chapter, or other standard...

  18. 46 CFR 180.72 - Personal flotation devices carried in addition to life jackets.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... 46 Shipping 7 2014-10-01 2014-10-01 false Personal flotation devices carried in addition to life... Jackets § 180.72 Personal flotation devices carried in addition to life jackets. (a) Equipment carried... flotation devices (PFD) approved in accordance with § 160.077 of this chapter, or other standard...

  19. 46 CFR 180.72 - Personal flotation devices carried in addition to life jackets.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... 46 Shipping 7 2010-10-01 2010-10-01 false Personal flotation devices carried in addition to life... Jackets § 180.72 Personal flotation devices carried in addition to life jackets. (a) Equipment carried... flotation devices (PFD) approved in accordance with § 160.077 of this chapter, or other standard...

  20. 78 FR 77366 - Federal Employee Dental and Vision Insurance Program; Qualifying Life Event Amendments

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-12-23

    ... Event Amendments AGENCY: U.S. Office of Personnel Management. ACTION: Notice of Proposed Rulemaking... can make enrollment changes under the same qualifying life events (QLEs) as enrollees under the FEHB... definition of QLE qualifying life event to read as follows: Sec. 894.101 Definitions. * * * * *...

  1. Life Insurance for Consumers: A Teacher's Guide. A Teacher Inservice Module for Secondary Level Consumer Education Units in Home Economics, Business Education, Social Studies and Related Areas.

    ERIC Educational Resources Information Center

    Thelen, Judith

    This teacher-oriented learning module for secondary level consumer education teachers, the first in a series of three, was developed to provide information on life insurance and ideas for conveying this content to students. The module begins with a definition and general goals of consumer economics, an overview, a pre-test, a performance objective…

  2. 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

    ... 17 Commodity and Securities Exchanges 3 2010-04-01 2010-04-01 false Form N-27I-1, notice of right 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...

  3. 17 CFR 274.302 - Form N-27I-1, notice of right of withdrawal and refund for variable life insurance...

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... 17 Commodity and Securities Exchanges 3 2011-04-01 2011-04-01 false Form N-27I-1, notice of right 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...

  4. Fiscal Issues in Higher Education: The 1980's. Report on Four Conferences (1978-1980) of Academic Leaders and Executive Officers of Life Insurance Companies.

    ERIC Educational Resources Information Center

    Rigolot, Carol

    Fiscal issues in higher education are considered, based on four conferences attended by academic and business leaders. After an initial conference of college and life insurance company presidents at Princeton University in 1978, three regional meetings were held in Greensboro, North Carolina; Kalamazoo, Michigan; and Boston, Massachusetts.…

  5. 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... associations, mutual irrigation and telephone companies, and like organizations. (a) An organization...

  6. 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... associations, mutual irrigation and telephone companies, and like organizations. (a) An organization...

  7. 38 CFR 8.0 - Definitions of terms used in connection with title 38 CFR, part 8, National Service Life Insurance.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ... 38 Pensions, Bonuses, and Veterans' Relief 1 2013-07-01 2013-07-01 false Definitions of terms used in connection with title 38 CFR, part 8, National Service Life Insurance. 8.0 Section 8.0 Pensions... § 8.0 Definitions of terms used in connection with title 38 CFR, part 8, National Service...

  8. 38 CFR 8.0 - Definitions of terms used in connection with title 38 CFR, part 8, National Service Life Insurance.

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ... 38 Pensions, Bonuses, and Veterans' Relief 1 2014-07-01 2014-07-01 false Definitions of terms used in connection with title 38 CFR, part 8, National Service Life Insurance. 8.0 Section 8.0 Pensions... § 8.0 Definitions of terms used in connection with title 38 CFR, part 8, National Service...

  9. 75 FR 59057 - Common Crop Insurance Regulations, Cotton Crop Insurance Provisions and Macadamia Nut Crop...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-09-27

    ... Provisions and Macadamia Nut Crop Insurance Provisions; Correction AGENCY: Federal Crop Insurance Corporation... Provisions and applicable Crop Provisions, including the Cotton Crop Insurance Provisions. In addition, FCIC revised various Crop Provisions, including the Macadamia Nut Crop Insurance Provisions, to...

  10. Effect of lubricant extreme pressure additives on rolling element fatigue life

    NASA Technical Reports Server (NTRS)

    Parker, R. J.; Zaretsky, E. V.

    1973-01-01

    The effects of surface active additives on rolling-element fatigue life were investigated with the five-ball fatigue tester at conditions where classical subsurface initiated rolling-element fatigue is the sole mode of failure. Test balls of AISI 52100, AISI M-50, and AISI 1018 were run with an acid-treated white oil containing either 2.5 percent sulfurized terpene, 1 percent didodecyl phosphite, or 5 percent chlorinated wax. In general, it was found that the influence of surface active additives was detrimental to rolling-element fatigue life. The chlorinated-wax additive significantly reduced fatigue life by a factor of 7. The base oil with the 2.5 percent sulfurized-terpene additive can reduce fatigue life by as much as 50 percent. No statistical change in fatigue life occurred with the base oil having the 1 percent didodecyl-phosphite additive. The additives used with the base oil did not change the ranking of the bearing steels where rolling-element fatigue life was of subsurface origin.

  11. The Insurance Educator. Volume IV. 1995.

    ERIC Educational Resources Information Center

    Insurance Educator, 1995

    1995-01-01

    These two issues are designed to provide secondary school educators with a greater knowledge of insurance and access to teaching materials regarding insurance and to provide students with information about insurance and insurance careers. The following feature articles are included in the newsletters: "Life Insurance: Why and When People Buy…

  12. 26 CFR 1.817-5 - Diversification requirements for variable annuity, endowment, and life insurance contracts.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... 26 Internal Revenue 8 2011-04-01 2011-04-01 false Diversification requirements for variable...) Miscellaneous Provisions § 1.817-5 Diversification requirements for variable annuity, endowment, and life... (a)(2) of this section, for purposes of subchapter L, section 72, and section 7702(a), a...

  13. Additives

    NASA Technical Reports Server (NTRS)

    Smalheer, C. V.

    1973-01-01

    The chemistry of lubricant additives is discussed to show what the additives are chemically and what functions they perform in the lubrication of various kinds of equipment. Current theories regarding the mode of action of lubricant additives are presented. The additive groups discussed include the following: (1) detergents and dispersants, (2) corrosion inhibitors, (3) antioxidants, (4) viscosity index improvers, (5) pour point depressants, and (6) antifouling agents.

  14. Additive and non-additive genetic components of the jack male life history in Chinook salmon (Oncorhynchus tshawytscha).

    PubMed

    Forest, Adriana R; Semeniuk, Christina A D; Heath, Daniel D; Pitcher, Trevor E

    2016-08-01

    Chinook salmon, Oncorhynchus tshawytscha, exhibit alternative reproductive tactics (ARTs) where males exist in two phenotypes: large "hooknose" males and smaller "jacks" that reach sexual maturity after only 1 year in seawater. The mechanisms that determine "jacking rate"-the rate at which males precociously sexually mature-are known to involve both genetics and differential growth rates, where individuals that become jacks exhibit higher growth earlier in life. The additive genetic components have been studied and it is known that jack sires produce significantly more jack offspring than hooknose sires, and vice versa. The current study was the first to investigate both additive and non-additive genetic components underlying jacking through the use of a full-factorial breeding design using all hooknose sires. The effect of dams and sires descendant from a marker-assisted broodstock program that identified "high performance" and "low performance" lines using growth- and survival-related gene markers was also studied. Finally, the relative growth of jack, hooknose, and female offspring was examined. No significant dam, sire, or interaction effects were observed in this study, and the maternal, additive, and non-additive components underlying jacking were small. Differences in jacking rates in this study were determined by dam performance line, where dams that originated from the low performance line produced significantly more jacks. Jack offspring in this study had a significantly larger body size than both hooknose males and females starting 1 year post-fertilization. This study provides novel information regarding the genetic architecture underlying ARTs in Chinook salmon that could have implications for the aquaculture industry, where jacks are not favoured due to their small body size and poor flesh quality.

  15. The Cost of an Additional Disability-Free Life Year for Older Americans: 1992–2005

    PubMed Central

    Cai, Liming

    2013-01-01

    Objective To estimate the cost of an additional disability-free life year for older Americans in 1992–2005. Data Source This study used 1992–2005 Medicare Current Beneficiary Survey, a longitudinal survey of Medicare beneficiaries with a rotating panel design. Study Design This analysis used multistate life table model to estimate probabilities of transition among a discrete set of health states (nondisabled, disabled, and dead) for two panels of older Americans in 1992 and 2002. Health spending incurred between annual health interviews was estimated by a generalized linear mixed model. Health status, including death, was simulated for each member of the panel using these transition probabilities; the associated health spending was cross-walked to the simulated health changes. Principal Findings Disability-free life expectancy (DFLE) increased significantly more than life expectancy during the study period. Assuming that 50 percent of the gains in DFLE between 1992 and 2005 were attributable to increases in spending, the average discounted cost per additional disability-free life year was $71,000. There were small differences between gender and racial/ethnic groups. Conclusions The cost of an additional disability-free life year was substantially below previous estimates based on mortality trends alone. PMID:22670874

  16. Effect of lubricant extreme-pressure additives on surface fatigue life of AISI 9310 spur gears

    NASA Technical Reports Server (NTRS)

    Scibbe, H. W.; Townsend, D. P.; Aron, P. R.

    1984-01-01

    Surface fatigue tests were conducted with AISI 9310 spur gears using a formulated synthetic tetraester oil (conforming to MIL-L-23699 specifications) as the lubricant containing either sulfur or phosphorus as the EP additive. Four groups of gears were tested. One group of gears tested without an additive in the lubricant acted as the reference oil. In the other three groups either a 0.1 wt % sulfur or phosphorus additive was added to the tetraester oil to enhance gear surface fatigue life. Test conditions included a gear temperature of 334 K (160 F), a maximum Hertz stress of 1.71 GPa (248 000 psi), and a speed of 10,000 rpm. The gears tested with a 0.1 wt % phosphorus additive showed pitting fatigue life 2.6 times the life of gears tested with the reference tetraester based oil. Although fatigue lives of two groups of gears tested with the sulfur additive in the oil showed improvement over the control group gear life, the results, unlike those obtained with the phosphorus oil, were not considered to be statistically significant.

  17. National Dam Safety Program. General American Life Insurance Co. Lake Dam (MO 31390), Upper Mississippi - Kaskaskia - St. Louis Basin, St. Louis County, Missouri. Phase I Inspection Report.

    DTIC Science & Technology

    1980-12-01

    spillway, where a MIM ---- - -- timber footbridge about 4 feet wide and 40 feet long spans the outlet. A site plan of the General American Life Insurance...attractive if the normal waterline were 1 foot higher than originally planned. It appears that the footbridge that crosses the spillway structure was also...herein (curb, footbridge , and drawdown pipe screen) and the fact that the downstream slope of the dam was found to be somewhat steeper than specified

  18. Health Insurance: Understanding Your Health Plan's Rules

    MedlinePlus

    ... Health ResourcesHealthcare Management End-of-Life Issues Insurance & Bills Self Care Working With Your Doctor Drugs, Procedures & ... Health ResourcesHealthcare Management End-of-Life Issues Insurance & Bills Self Care Working With Your Doctor Drugs, Procedures & ...

  19. ENVIRONMENTAL LIFE CYCLE ASSESSMENT OF GASOLINE ALTERNATIVES: MTBE AND ETHANOL ADDITIVES

    EPA Science Inventory

    Currently, the U.S. is considering options for additives to reformulated gasoline. To inform this debate the U.S. EPA's Office of Research and Development is conducting a screening life cycle assessment (LCA) of three gasoline alternatives. These alternatives include gasoline w...

  20. 5 CFR 870.201 - Types of insurance.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 5 Administrative Personnel 2 2013-01-01 2013-01-01 false Types of insurance. 870.201 Section 870... (CONTINUED) FEDERAL EMPLOYEES' GROUP LIFE INSURANCE PROGRAM Types and Amount of Insurance § 870.201 Types of insurance. (a) There are two types of life insurance under the FEGLI Program: Basic and Optional. (b)...

  1. Evaluation of the EHL Film Thickness and Extreme Pressure Additives on Gear Surface Fatigue Life

    NASA Technical Reports Server (NTRS)

    Townsend, Dennis P.; Shimski, John

    1994-01-01

    Surface pitting fatigue life tests were conducted with seven lubricants, using AISI 9310 spur gears. The test lubricants can be classified as synthetic polyol-esters with various viscosities and additive packages. The lubricant with a viscosity that provided a specific film thickness greater than one and with an additive package produced gear surface fatigue lives that were 8.6 times that for lubricants with a viscosity that provided specific film thickness less than one. Lubricants with the same viscosity and similar additive packages gave equivalent gear surface fatigue lives.

  2. Fatigue Life of Titanium Alloys Fabricated by Additive Layer Manufacturing Techniques for Dental Implants

    NASA Astrophysics Data System (ADS)

    Chan, Kwai S.; Koike, Marie; Mason, Robert L.; Okabe, Toru

    2013-02-01

    Additive layer deposition techniques such as electron beam melting (EBM) and laser beam melting (LBM) have been utilized to fabricate rectangular plates of Ti-6Al-4V with extra low interstitial (ELI) contents. The layer-by-layer deposition techniques resulted in plates that have different surface finishes which can impact significantly on the fatigue life by providing potential sites for fatigue cracks to initiate. The fatigue life of Ti-6Al-4V ELI alloys fabricated by EBM and LBM deposition techniques was investigated by three-point testing of rectangular beams of as-fabricated and electro-discharge machined surfaces under stress-controlled conditions at 10 Hz until complete fracture. Fatigue life tests were also performed on rolled plates of Ti-6Al-4V ELI, regular Ti-6Al-4V, and CP Ti as controls. Fatigue surfaces were characterized by scanning electron microscopy to identify the crack initiation site in the various types of specimen surfaces. The fatigue life data were analyzed statistically using both analysis of variance techniques and the Kaplan-Meier survival analysis method with the Gehan-Breslow test. The results indicate that the LBM Ti-6Al-4V ELI material exhibits a longer fatigue life than the EBM counterpart and CP Ti, but a shorter fatigue life compared to rolled Ti-6Al-4V ELI. The difference in the fatigue life behavior may be largely attributed to the presence of rough surface features that act as fatigue crack initiation sites in the EBM material.

  3. [Medical insurance estimation of risks].

    PubMed

    Dunér, H

    1975-11-01

    The purpose of insurance medicine is to make a prognostic estimate of medical risk-factors in persons who apply for life, health, or accident insurance. Established risk-groups with a calculated average mortality and morbidity form the basis for premium rates and insurance terms. In most cases the applicant is accepted for insurance after a self-assessment of his health. Only around one per cent of the applications are refused, but there are cases in which the premium is raised, temporarily or permanently. It is often a matter of rough estimate, since the knowlege of the long-term prognosis for many diseases is incomplete. The insurance companies' rules for estimate of risk are revised at intervals of three or four years. The estimate of risk as regards life insurance has been gradually liberalised, while the medical conditions for health insurance have become stricter owing to an increase in the claims rate.

  4. 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.

  5. 17 CFR 270.6e-3(T) - Temporary exemptions for flexible premium variable life insurance separate accounts.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... the separate account; and (iv) There is a reasonable expectation that subsequent payments will be made... are not limited to, accidental death and dismemberment benefits, disability income benefits, guaranteed insurability options, and family income or fixed benefit term riders. (3) Guaranteed death...

  6. 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

    ... with respect to any beneficiary” means an amount equal to the present value to such beneficiary (as of... than the death of the insured (section 101(d)(2)). The present value of such agreement is to be... total present value of such payments to both. On the other hand, if the obligation to pay B...

  7. 27 CFR 70.164 - Surrender of property subject to levy in the case of life insurance and endowment contracts.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... 27 Alcohol, Tobacco Products and Firearms 2 2013-04-01 2013-04-01 false Surrender of property..., Tobacco Products and Firearms ALCOHOL AND TOBACCO TAX AND TRADE BUREAU, DEPARTMENT OF THE TREASURY... termination of the policy by the taxpayer or by the death of the insured during such 90-day period shall...

  8. 27 CFR 70.164 - Surrender of property subject to levy in the case of life insurance and endowment contracts.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... 27 Alcohol, Tobacco Products and Firearms 2 2014-04-01 2014-04-01 false Surrender of property..., Tobacco Products and Firearms ALCOHOL AND TOBACCO TAX AND TRADE BUREAU, DEPARTMENT OF THE TREASURY... termination of the policy by the taxpayer or by the death of the insured during such 90-day period shall...

  9. 27 CFR 70.164 - Surrender of property subject to levy in the case of life insurance and endowment contracts.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... 27 Alcohol, Tobacco Products and Firearms 2 2012-04-01 2011-04-01 true Surrender of property..., Tobacco Products and Firearms ALCOHOL AND TOBACCO TAX AND TRADE BUREAU, DEPARTMENT OF THE TREASURY... termination of the policy by the taxpayer or by the death of the insured during such 90-day period shall...

  10. 27 CFR 70.164 - Surrender of property subject to levy in the case of life insurance and endowment contracts.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... 27 Alcohol, Tobacco Products and Firearms 2 2011-04-01 2011-04-01 false Surrender of property..., Tobacco Products and Firearms ALCOHOL AND TOBACCO TAX AND TRADE BUREAU, DEPARTMENT OF THE TREASURY... termination of the policy by the taxpayer or by the death of the insured during such 90-day period shall...

  11. 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

    ... 27 Alcohol, Tobacco Products and Firearms 2 2010-04-01 2010-04-01 false Surrender of property..., Tobacco Products and Firearms ALCOHOL AND TOBACCO TAX AND TRADE BUREAU, DEPARTMENT OF THE TREASURY... termination of the policy by the taxpayer or by the death of the insured during such 90-day period shall...

  12. 17 CFR 270.6e-3(T) - Temporary exemptions for flexible premium variable life insurance separate accounts.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ..., however, That the term “sales load,” as used in the Act and rules under it, shall have the meaning set... insurer shall have (i) a combined capital and surplus, if a stock company, or (ii) an unassigned surplus... effective date of the 1933 Act registration statement for flexible contracts, and that the terms of...

  13. Health Insurance

    MedlinePlus

    Health insurance helps protect you from high medical care costs. It is a contract between you and ... Many people in the United States get a health insurance policy through their employers. In most cases, ...

  14. Effects on stress rupture life and tensile strength of tin additions to Inconel 718

    NASA Technical Reports Server (NTRS)

    Dreshfield, R. L.; Johnson, W.

    1982-01-01

    Because Inconel 718 represents a major use of columbium and a large potential source of columbium for aerospace alloys could be that of columbium derived from tin slags, the effects of tin additions to Inconel 718 at levels which might be typical of or exceed those anticipated if tin slag derived columbium were used as a melting stock were investigated. Tin was added to 15 pound Inconel 718 heats at levels varying from none added to approximately 10,000 ppm (1 wt%). Limited 1200 F stress rupture testing was performed at stresses from 68,000 to 115,000 psi and a few tensile tests were performed at room temperature, 800 and 1200 F. Additions of tin in excess of 800 ppm were detrimental to ductility and stress rupture life.

  15. Insurance crisis

    SciTech Connect

    Williams, P.L.

    1996-11-01

    The article discusses the effects of financing and technology advances on the availability of insurance for independent power producers operating gas turbines. Combined cycle units which require new materials and processes make it difficult to assess risk. Insurers are denying coverage, or raising prices and deductibles. Many lenders, however, are requiring insurance prior to financing. Some solutions proposed include information sharing by industry participants and insurers and increased risk acceptance by plant owners/operators.

  16. 5 CFR 870.202 - Basic insurance amount (BIA).

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 5 Administrative Personnel 2 2013-01-01 2013-01-01 false Basic insurance amount (BIA). 870.202... REGULATIONS (CONTINUED) FEDERAL EMPLOYEES' GROUP LIFE INSURANCE PROGRAM Types and Amount of Insurance § 870.202 Basic insurance amount (BIA). (a)(1) An employee's Basic insurance amount (BIA) is either: (i)...

  17. 5 CFR 870.202 - Basic insurance amount (BIA).

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 5 Administrative Personnel 2 2010-01-01 2010-01-01 false Basic insurance amount (BIA). 870.202... REGULATIONS (CONTINUED) FEDERAL EMPLOYEES' GROUP LIFE INSURANCE PROGRAM Types and Amount of Insurance § 870.202 Basic insurance amount (BIA). (a)(1) An employee's Basic insurance amount (BIA) is either: (i)...

  18. Compensation and additivity of anthropogenic mortality: life-history effects and review of methods.

    PubMed

    Péron, Guillaume

    2013-03-01

    Demographic compensation, the increase in average individual performance following a perturbation that reduces population size, and, its opposite, demographic overadditivity (or superadditivity) are central processes in both population ecology and wildlife management. A continuum of population responses to changes in cause-specific mortality exists, of which additivity and complete compensation constitute particular points. The position of a population on that continuum influences its ability to sustain exploitation and predation. Here I describe a method for quantifying where a population is on the continuum. Based on variance-covariance formulae, I describe a simple metric for the rate of compensation-additivity. I synthesize the results from 10 wildlife capture-recapture monitoring programmes from the literature and online databases, reviewing current statistical methods and the treatment of common sources of bias. These results are used to test hypotheses regarding the effects of life-history strategy, population density, average cause-specific mortality and age class on the rate of compensation-additivity. This comparative analysis highlights that long-lived species compensate less than short-lived species and that populations below their carrying capacity compensate less than those above.

  19. Effect of Hf Additions to Pt Aluminide Bond Coats on EB-PVD TBC Life

    NASA Technical Reports Server (NTRS)

    Nesbitt, James; Nagaraj, Ben; Williams, Jeffrey

    2000-01-01

    Small Hf additions were incorporated into a Pt aluminide coating during chemical vapor deposition (CVD) on single crystal RENE N5 substrates. Standard yttria-stabilized zirconia top coats were subsequently deposited onto the coated substrates by electron beam-physical vapor deposition (EB-PVD). The coated substrates underwent accelerated thermal cycle testing in a furnace at a temperature in excess of 1121 C (2050 F) (45 minute hot exposure, 15 minute cool to approximately 121 C (250 F)) until the thermal barrier coating (TBC) failed by spallation. Incorporating Hf in the bond coat increased the TBC life by slightly more than three times that of a baseline coating without added Hf. Scanning electron microscopy of the spalled surfaces indicated that the presence of the Hf increased the adherence of the thermally grown alumina to the Pt aluminide bond coat. The presence of oxide pegs growing into the coating from the thermally grown alumina may also partially account for the improved TBC life by creating a near-surface layer with a graded coefficient of thermal expansion.

  20. Additional experiments relative to the shelf life of Li(Si)/FeS2 thermal batteries

    NASA Astrophysics Data System (ADS)

    Searcy, J. Q.; Armijo, J. R.

    1985-02-01

    A continuing effort to develop a new thermal battery technology based on the Li(Si)/FeS2 electrochemical couple is reported. The results relate to the long shelf life requirement for thermal batteries designed by Sandia, and include topics relevant to leakage through the hermetic seal and accelerated aging experiments with materials new to the technology. Conclusions relevant to leakage through the hermetic seal are that the maximum leak rate must not exceed 1.8 x 10(-7) w, where w is the grams of Li(Si) contained by a battery, and that a bomb type leak test can be designed that is adequate for most Li(Si)/FeS2 batteries. Conclusions relevant to long term compatibility of new materials include the following: nickel is not compatible with the iron disulfide in the cathode; the CaSi2 additive used to suppress the initial voltage transient does not react or degrade during accelerated aging experiments, but the use of that material can lead to an increase in the variability of the activated lives, especially for long life batteries; Grafoil current collectors used with the cathode do not degrade in accelerated aging experiments.

  1. 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.

  2. 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.

  3. 7 CFR 4280.118 - Insurance requirements.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... 7 Agriculture 15 2012-01-01 2012-01-01 false Insurance requirements. 4280.118 Section 4280.118... General Renewable Energy System and Energy Efficiency Improvement Grants § 4280.118 Insurance requirements. Agency approved insurance coverage must be maintained for the life of the RES or EEI grant unless...

  4. 7 CFR 4280.118 - Insurance requirements.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 7 Agriculture 15 2013-01-01 2013-01-01 false Insurance requirements. 4280.118 Section 4280.118... General Renewable Energy System and Energy Efficiency Improvement Grants § 4280.118 Insurance requirements. Agency approved insurance coverage must be maintained for the life of the RES or EEI grant unless...

  5. 7 CFR 4280.118 - Insurance requirements.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 7 Agriculture 15 2014-01-01 2014-01-01 false Insurance requirements. 4280.118 Section 4280.118... General Renewable Energy System and Energy Efficiency Improvement Grants § 4280.118 Insurance requirements. Agency approved insurance coverage must be maintained for the life of the RES or EEI grant unless...

  6. 7 CFR 4280.113 - Insurance requirements.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 7 Agriculture 15 2010-01-01 2010-01-01 false Insurance requirements. 4280.113 Section 4280.113... Efficiency Improvements Program Section A. Grants § 4280.113 Insurance requirements. Agency approved insurance coverage must be maintained for the life of the grant unless this requirement is waived...

  7. 7 CFR 4280.113 - Insurance requirements.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 7 Agriculture 15 2011-01-01 2011-01-01 false Insurance requirements. 4280.113 Section 4280.113... Efficiency Improvements Program Section A. Grants § 4280.113 Insurance requirements. Agency approved insurance coverage must be maintained for the life of the grant unless this requirement is waived...

  8. 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.

  9. The Role of Public Health Insurance in Reducing Child Poverty

    PubMed Central

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

    2016-01-01

    Over the last thirty years, there have been major expansions in public health insurance for low-income children in the U.S. 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 impact 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 both 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. PMID:27044710

  10. 12 CFR 618.8040 - Authorized insurance services.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... institution is the provider. Term-life insurance coverage may continue after the loan has been repaid or the... 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...

  11. 12 CFR 618.8040 - Authorized insurance services.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... institution is the provider. Term-life insurance coverage may continue after the loan has been repaid or the... 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...

  12. 12 CFR 618.8040 - Authorized insurance services.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 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...

  13. LIFE Chamber Chemical Equilibrium Simulations with Additive Hydrogen, Oxygen, and Nitrogen

    SciTech Connect

    DeMuth, J A; Simon, A J

    2009-09-03

    In order to enable continuous operation of a Laser Inertial confinement Fusion Energy (LIFE) engine, the material (fill-gas and debris) in the fusion chamber must be carefully managed. The chamber chemical equilibrium compositions for post-shot mixtures are evaluated to determine what compounds will be formed at temperatures 300-5000K. It is desired to know if carbon and or lead will deposit on the walls of the chamber, and if so: at what temperature, and what elements can be added to prevent this from happening. The simulation was conducted using the chemical equilibrium solver Cantera with a Matlab front-end. Solutions were obtained by running equilibrations at constant temperature and constant specific volume over the specified range of temperatures. It was found that if nothing is done, carbon will deposit on the walls once it cools to below 2138K, and lead below 838K. Three solutions to capture the carbon were found: adding pure oxygen, hydrogen/nitrogen combo, and adding pure nitrogen. The best of these was the addition of oxygen which would readily form CO at around 4000K. To determine the temperature at which carbon would deposit on the walls, temperature solutions to evaporation rate equations needed to be found. To determine how much carbon or any species was in the chamber at a given time, chamber flushing equations needed to be developed. Major concerns are deposition of carbon and/or oxygen on the tungsten walls forming tungsten oxides or tungsten carbide which could cause embrittlement and cause failure of the first wall. Further research is needed.

  14. What Every High School Graduate Needs to Know about Insurance.

    ERIC Educational Resources Information Center

    Nappi, Andrew T.; Crepas, Kenneth J.

    1994-01-01

    Describes fundamental insurance concepts that should be taught: risk, the insurance process, government regulation, life and health coverage, automobile coverage, and insurance careers. Suggests learning activities, such as case studies, simulated car purchasing, and role-playing of insurance dilemmas. (SK)

  15. 12 CFR 618.8040 - Authorized insurance services.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 12 Banks and Banking 6 2011-01-01 2011-01-01 false Authorized insurance services. 618.8040 Section... Insurance § 618.8040 Authorized insurance services. (a) Farm Credit System banks (excluding banks for... basis, credit or term life and credit disability insurance appropriate to protect the loan commitment...

  16. 17 CFR 210.12-16 - Supplementary insurance information.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... 17 Commodity and Securities Exchanges 2 2012-04-01 2012-04-01 false Supplementary insurance... AND CONSERVATION ACT OF 1975 Form and Content of Schedules § 210.12-16 Supplementary insurance... life insurance or title insurance. This amount should include premiums from reinsurance assumed, and...

  17. 5 CFR 870.702 - Amount of Basic insurance.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 5 Administrative Personnel 2 2010-01-01 2010-01-01 false Amount of Basic insurance. 870.702... REGULATIONS (CONTINUED) FEDERAL EMPLOYEES' GROUP LIFE INSURANCE PROGRAM Annuitants and Compensationers § 870.702 Amount of Basic insurance. (a) The amount of Basic insurance an annuitant or compensationer...

  18. Recent new additives for electric vehicle lead-acid batteries for extending the cycle life and capacity

    SciTech Connect

    Kozawa, A.; Sato, A.; Fujita, K.; Brodd, D.

    1997-12-01

    An electrochemically prepared colloidal graphite was found to be an excellent additive for lead-acid batteries. The new additive extends the capacity and cycle life of new and old batteries and can regenerate old, almost dead, batteries. The colloidal graphite is stable in aqueous solution and the extremely fine particles are adsorbed mainly on the positive electrode. This additive has been given the name, {alpha}-Pholon. The amount required is very small: only 6% to 10% of volume of the {alpha}-Pholon solution (about 2% colloidal graphite in water solution). The beneficial effect of the new additive was demonstrated with motorcycle batteries and forklift batteries.

  19. 5 CFR 870.502 - Basic insurance: Waiver/cancellation of insurance.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 5 Administrative Personnel 2 2014-01-01 2014-01-01 false Basic insurance: Waiver/cancellation of insurance. 870.502 Section 870.502 Administrative Personnel OFFICE OF PERSONNEL MANAGEMENT (CONTINUED) CIVIL SERVICE REGULATIONS (CONTINUED) FEDERAL EMPLOYEES' GROUP LIFE INSURANCE PROGRAM Coverage § 870.502...

  20. 5 CFR 870.505 - Optional insurance: Waiver/cancellation of insurance.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... 5 Administrative Personnel 2 2012-01-01 2012-01-01 false Optional insurance: Waiver/cancellation of insurance. 870.505 Section 870.505 Administrative Personnel OFFICE OF PERSONNEL MANAGEMENT (CONTINUED) CIVIL SERVICE REGULATIONS (CONTINUED) FEDERAL EMPLOYEES' GROUP LIFE INSURANCE PROGRAM...

  1. 5 CFR 870.502 - Basic insurance: Waiver/cancellation of insurance.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 5 Administrative Personnel 2 2013-01-01 2013-01-01 false Basic insurance: Waiver/cancellation of insurance. 870.502 Section 870.502 Administrative Personnel OFFICE OF PERSONNEL MANAGEMENT (CONTINUED) CIVIL SERVICE REGULATIONS (CONTINUED) FEDERAL EMPLOYEES' GROUP LIFE INSURANCE PROGRAM Coverage § 870.502...

  2. 5 CFR 870.505 - Optional insurance: Waiver/cancellation of insurance.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 5 Administrative Personnel 2 2013-01-01 2013-01-01 false Optional insurance: Waiver/cancellation of insurance. 870.505 Section 870.505 Administrative Personnel OFFICE OF PERSONNEL MANAGEMENT (CONTINUED) CIVIL SERVICE REGULATIONS (CONTINUED) FEDERAL EMPLOYEES' GROUP LIFE INSURANCE PROGRAM...

  3. 5 CFR 870.505 - Optional insurance: Waiver/cancellation of insurance.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 5 Administrative Personnel 2 2014-01-01 2014-01-01 false Optional insurance: Waiver/cancellation of insurance. 870.505 Section 870.505 Administrative Personnel OFFICE OF PERSONNEL MANAGEMENT (CONTINUED) CIVIL SERVICE REGULATIONS (CONTINUED) FEDERAL EMPLOYEES' GROUP LIFE INSURANCE PROGRAM...

  4. 5 CFR 870.502 - Basic insurance: Waiver/cancellation of insurance.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... 5 Administrative Personnel 2 2012-01-01 2012-01-01 false Basic insurance: Waiver/cancellation of insurance. 870.502 Section 870.502 Administrative Personnel OFFICE OF PERSONNEL MANAGEMENT (CONTINUED) CIVIL SERVICE REGULATIONS (CONTINUED) FEDERAL EMPLOYEES' GROUP LIFE INSURANCE PROGRAM Coverage § 870.502...

  5. 5 CFR 870.502 - Basic insurance: Waiver/cancellation of insurance.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 5 Administrative Personnel 2 2011-01-01 2011-01-01 false Basic insurance: Waiver/cancellation of insurance. 870.502 Section 870.502 Administrative Personnel OFFICE OF PERSONNEL MANAGEMENT (CONTINUED) CIVIL SERVICE REGULATIONS (CONTINUED) FEDERAL EMPLOYEES' GROUP LIFE INSURANCE PROGRAM Coverage § 870.502...

  6. 5 CFR 870.505 - Optional insurance: Waiver/cancellation of insurance.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 5 Administrative Personnel 2 2011-01-01 2011-01-01 false Optional insurance: Waiver/cancellation of insurance. 870.505 Section 870.505 Administrative Personnel OFFICE OF PERSONNEL MANAGEMENT (CONTINUED) CIVIL SERVICE REGULATIONS (CONTINUED) FEDERAL EMPLOYEES' GROUP LIFE INSURANCE PROGRAM...

  7. 5 CFR 870.505 - Optional insurance: Waiver/cancellation of insurance.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 5 Administrative Personnel 2 2010-01-01 2010-01-01 false Optional insurance: Waiver/cancellation of insurance. 870.505 Section 870.505 Administrative Personnel OFFICE OF PERSONNEL MANAGEMENT (CONTINUED) CIVIL SERVICE REGULATIONS (CONTINUED) FEDERAL EMPLOYEES' GROUP LIFE INSURANCE PROGRAM...

  8. 5 CFR 870.502 - Basic insurance: Waiver/cancellation of insurance.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 5 Administrative Personnel 2 2010-01-01 2010-01-01 false Basic insurance: Waiver/cancellation of insurance. 870.502 Section 870.502 Administrative Personnel OFFICE OF PERSONNEL MANAGEMENT (CONTINUED) CIVIL SERVICE REGULATIONS (CONTINUED) FEDERAL EMPLOYEES' GROUP LIFE INSURANCE PROGRAM Coverage § 870.502...

  9. Impaired Cognition in Rats with Cortical Dysplasia: Additional Impact of Early-Life Seizures

    ERIC Educational Resources Information Center

    Lucas, Marcella M.; Lenck-Santini, Pierre-Pascal; Holmes, Gregory L.; Scott, Rod C.

    2011-01-01

    One of the most common and serious co-morbidities in patients with epilepsy is cognitive impairment. While early-life seizures are considered a major cause for cognitive impairment, it is not known whether it is the seizures, the underlying neurological substrate or a combination that has the largest impact on eventual learning and memory. Teasing…

  10. 31 CFR 103.137 - Anti-money laundering programs for insurance companies.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... insurance policy, other than a group life insurance policy; (ii) An annuity contract, other than a group...) Group annuity contract means a master contract providing annuities to a group of persons under a single contract. (6) Group life insurance policy means any life insurance policy under which a number of...

  11. Transition-Metal Additives For Long-Life Na/NiCI(2) Cells

    NASA Technical Reports Server (NTRS)

    Bugga, Ratnakumar V.; Surampudi, Subbarao; Halpert, Gerald

    1995-01-01

    Transition-metal additives in cathodes of Na/NiCI(2) high-temperature, rechargeable electrochemical cells found to slow premature fading of charge/discharge capacity. Decline in capacity of cell attributed to agglomeration of Ni particles at cathode: this agglomeration reduces electrochemical area of cathode. Depending on choice of transition-metal additive for particular cell, additive might even participate in desired electrochemical reactions in cell, contributing to specific energy of cell.

  12. Markovnikov free radical addition reactions, a sleeping beauty kissed to life.

    PubMed

    Hoffmann, Reinhard W

    2016-02-07

    This review covers free radical additions, which are initiated by the formal addition of a hydrogen atom to a C[double bond, length as m-dash]C double bond. These reactions originated in the realms of inorganic chemistry, polymer chemistry, and organic chemistry, whereby barriers between these disciplines impeded the rapid implementation of the findings.

  13. 75 FR 68039 - Agency Information Collection (Application for Supplemental Service Disabled Veterans Insurance...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-11-04

    ... Collection (Application for Supplemental Service Disabled Veterans Insurance) Activity Under OMB Review....'' SUPPLEMENTARY INFORMATION: Title: Application for Supplemental Service Disabled Veterans Insurance, (SRH) Life... veterans applying for Supplemental Service Disabled Veterans Insurance. VA uses the information...

  14. Health Insurance Basics

    MedlinePlus

    ... Loss Surgery? A Week of Healthy Breakfasts Shyness Health Insurance Basics KidsHealth > For Teens > Health Insurance Basics A ... thought advanced calculus was confusing. What Exactly Is Health Insurance? Health insurance is a plan that people buy ...

  15. Health Insurance Basics

    MedlinePlus

    ... Loss Surgery? A Week of Healthy Breakfasts Shyness Health Insurance Basics KidsHealth > For Teens > Health Insurance Basics Print ... thought advanced calculus was confusing. What Exactly Is Health Insurance? Health insurance is a plan that people buy ...

  16. Shelf life of cooked goat blood sausage prepared with the addition of heart and kidney.

    PubMed

    Silva, F A P; Amaral, D S; Guerra, I C D; Arcanjo, N M O; Bezerra, T K A; Ferreira, V C S; Araújo, I B S; Dalmás, P S; Madruga, M S

    2014-08-01

    This study focused on the effect of two packaging formats (vacuum packaging and over-wrap packaging) on the shelf life of cooked sausage prepared with blood, heart, kidney and goat meat fragments under storage at 4±1°C for a period of 90 days. The storage time and type of packaging significantly affected the chemical (pH, moisture, protein and TBARS number), physical (shear force) and microbial (mould and yeast) parameters of cooked sausage. Vacuum packaging maintained the microbiological and chemical qualities of cooked goat blood sausage for a longer period of time (63 days) compared to over-wrap packaging (41 days) and could be a viable alternative to refrigerated storage of the product for quality maintenance.

  17. Shelf life and quality study of minced tilapia with Nori and Hijiki seaweeds as natural additives.

    PubMed

    Ribeiro, Ingridy Simone; Shirahigue, Ligianne Din; Ferraz de Arruda Sucasas, Lia; Anbe, Lika; da Cruz, Pedro Gomes; Gallo, Cláudio Rosa; Carpes, Solange Teresinha; Marques, Marcos José; Oetterer, Marília

    2014-01-01

    The extraction of mechanically separated meat has emerged as an attractive process. However, it increases the incorporation of oxygen and, consequently, of flavors due to rancidity. Thus, preservatives must be added. The objective of this study was to evaluate the shelf life of minced tilapia to replace synthetic preservatives with Hijiki and Nori seaweeds extracts. The application of the extracts had no effect on the chemical composition of the minced tilapia. The seaweed extracts had inhibitory effect on total volatile base nitrogen. The minced tilapia complied with the microbiological standard set by Brazilin law. The panelists detected no differences in the rancid aroma and only minor differences were detected in the color of the products. It can be concluded that the minced tilapia with added seaweed extracts were within quality standards during frozen storage.

  18. Shelf Life and Quality Study of Minced Tilapia with Nori and Hijiki Seaweeds as Natural Additives

    PubMed Central

    Ribeiro, Ingridy Simone; Shirahigue, Ligianne Din; Ferraz de Arruda Sucasas, Lia; Anbe, Lika; da Cruz, Pedro Gomes; Gallo, Cláudio Rosa; Carpes, Solange Teresinha; Marques, Marcos José; Oetterer, Marília

    2014-01-01

    The extraction of mechanically separated meat has emerged as an attractive process. However, it increases the incorporation of oxygen and, consequently, of flavors due to rancidity. Thus, preservatives must be added. The objective of this study was to evaluate the shelf life of minced tilapia to replace synthetic preservatives with Hijiki and Nori seaweeds extracts. The application of the extracts had no effect on the chemical composition of the minced tilapia. The seaweed extracts had inhibitory effect on total volatile base nitrogen. The minced tilapia complied with the microbiological standard set by Brazilin law. The panelists detected no differences in the rancid aroma and only minor differences were detected in the color of the products. It can be concluded that the minced tilapia with added seaweed extracts were within quality standards during frozen storage. PMID:25478593

  19. 5 CFR 870.1203 - Amount of insurance.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... (CONTINUED) FEDERAL EMPLOYEES' GROUP LIFE INSURANCE PROGRAM Portability § 870.1203 Amount of insurance. (a... force reduces by 50 percent at the beginning of the 2nd calendar month after the individual reaches...

  20. 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,…

  1. The impact of poverty, chronic illnesses, and health insurance status on out-of-pocket health care expenditures in later life.

    PubMed

    Kim, Jinhyun; Richardson, Virginia

    2014-10-01

    This study aims to examine poverty, chronic illnesses, health insurance, and health care expenditures, within the context of a political economy of aging perspective. Subsamples of 1,773 older adults from the Medical Expenditure Panel Survey were selected for analyses. The results showed that chronic illnesses influenced out-of-pocket health care costs. Older persons with more than one health insurance spent less on out-of-pocket health care costs. The results have implications for health care social workers concerned with the growing costs of chronic illnesses, implementing integrated care, and advocating for extending public health insurance coverage especially for our most impoverished older adults.

  2. 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.

  3. 25 CFR 276.4 - Bondings and insurance.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... 25 Indians 1 2011-04-01 2011-04-01 false Bondings and insurance. 276.4 Section 276.4 Indians... ACT PROGRAM UNIFORM ADMINISTRATIVE REQUIREMENTS FOR GRANTS § 276.4 Bondings and insurance. In... bonding and insurance. The Bureau will not impose additional bonding and insurance requirements,...

  4. 25 CFR 276.4 - Bondings and insurance.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 25 Indians 1 2010-04-01 2010-04-01 false Bondings and insurance. 276.4 Section 276.4 Indians... ACT PROGRAM UNIFORM ADMINISTRATIVE REQUIREMENTS FOR GRANTS § 276.4 Bondings and insurance. In... bonding and insurance. The Bureau will not impose additional bonding and insurance requirements,...

  5. 48 CFR 231.205-19 - Insurance and indemnification.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... 48 Federal Acquisition Regulations System 3 2013-10-01 2013-10-01 false Insurance and... PROCEDURES Contracts With Commercial Organizations 231.205-19 Insurance and indemnification. (e) In addition to the cost limitations in FAR 31.205-19(e), self-insurance and purchased insurance costs are...

  6. 48 CFR 231.205-19 - Insurance and indemnification.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... 48 Federal Acquisition Regulations System 3 2011-10-01 2011-10-01 false Insurance and... PROCEDURES Contracts With Commercial Organizations 231.205-19 Insurance and indemnification. (e) In addition to the cost limitations in FAR 31.205-19(e), self-insurance and purchased insurance costs are...

  7. 26 CFR 1.1035-1 - Certain exchanges of insurance policies.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 26 Internal Revenue 11 2010-04-01 2010-04-01 true Certain exchanges of insurance policies. 1.1035... contract of life insurance for another contract of life insurance or for an endowment or annuity contract (section 1035(a)(1)); (b) A contract of endowment insurance for another contract of endowment...

  8. 26 CFR 1.1035-1 - Certain exchanges of insurance policies.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... 26 Internal Revenue 11 2011-04-01 2011-04-01 false Certain exchanges of insurance policies. 1.1035... exchange of: (a) A contract of life insurance for another contract of life insurance or for an endowment or annuity contract (section 1035(a)(1)); (b) A contract of endowment insurance for another contract...

  9. Lead acid battery performance and cycle life increased through addition of discrete carbon nanotubes to both electrodes

    NASA Astrophysics Data System (ADS)

    Sugumaran, Nanjan; Everill, Paul; Swogger, Steven W.; Dubey, D. P.

    2015-04-01

    Contemporary applications are changing the failure mechanisms of lead acid batteries. Sulfation at the negative electrode, acid stratification, and dendrite formation now precede positive electrode failures such as grid corrosion and active material shedding. To attenuate these failures, carbon has been explored as a negative electrode additive to increase charge acceptance, eliminate sulfation, and extend cycle life. Frequently, however, carbon incorporation decreases paste density and hinders manufacturability. Discrete carbon nanotubes (dCNT), also known as Molecular Rebar®, are lead acid battery additives which can be stably incorporated into either electrode to increase charge acceptance and cycle life with no change to paste density and without impeding the manufacturing process. Here, full-scale automotive batteries containing dCNT in the negative electrode or both negative and positive electrodes are compared to control batteries. dCNT batteries show little change to Reserve Capacity, improved Cold Cranking, increased charge acceptance, and enhanced overall system efficiency. Life cycle tests show >60% increases when dCNT are incorporated into the negative electrode (HRPSoC/SBA) and up to 500% when incorporated into both electrodes (SBA), with water loss per cycle reduced >20%. Failure modes of cycled batteries are discussed and a hypothesis of dCNT action is introduced: the dCNT/Had Overcharge Reaction Mechanism.

  10. 32 CFR 220.11 - Special rules for automobile liability insurance and no-fault automobile insurance.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... and no-fault automobile insurance. 220.11 Section 220.11 National Defense Department of Defense... insurance and no-fault automobile insurance. (a) Active duty members covered. In addition to Uniformed.... 1095 and this part. (c) Exclusion of automobile liability insurance and no-fault automobile...

  11. 32 CFR 220.11 - Special rules for automobile liability insurance and no-fault automobile insurance.

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ... and no-fault automobile insurance. 220.11 Section 220.11 National Defense Department of Defense... insurance and no-fault automobile insurance. (a) Active duty members covered. In addition to Uniformed.... 1095 and this part. (c) Exclusion of automobile liability insurance and no-fault automobile...

  12. 32 CFR 220.11 - Special rules for automobile liability insurance and no-fault automobile insurance.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ... and no-fault automobile insurance. 220.11 Section 220.11 National Defense Department of Defense... insurance and no-fault automobile insurance. (a) Active duty members covered. In addition to Uniformed.... 1095 and this part. (c) Exclusion of automobile liability insurance and no-fault automobile...

  13. 32 CFR 220.11 - Special rules for automobile liability insurance and no-fault automobile insurance.

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ... and no-fault automobile insurance. 220.11 Section 220.11 National Defense Department of Defense... insurance and no-fault automobile insurance. (a) Active duty members covered. In addition to Uniformed.... 1095 and this part. (c) Exclusion of automobile liability insurance and no-fault automobile...

  14. Federal Life Insurance Transparency Act

    THOMAS, 112th Congress

    Rep. Connolly, Gerald E. [D-VA-11

    2011-01-05

    02/08/2011 Referred to the Subcommittee on Federal Workforce, U.S. Postal Service, and Labor Policy . (All Actions) Tracker: This bill has the status IntroducedHere are the steps for Status of Legislation:

  15. Effect of the addition of ground rosemary on the quality and shelf-life of turkey meatballs during refrigerated storage.

    PubMed

    Karpińska-Tymoszczyk, M

    2008-11-01

    1. The aim of the present study was to determine the effect of the addition of ground rosemary on the quality and shelf-life of turkey meatballs. Heat-treated vacuum-packed turkey meatballs were stored at 3 +/- 1 degrees C. 2. The rate of oxidative and hydrolytic changes during refrigerated storage was slower in meatballs containing 1% of rosemary. The samples with rosemary were characterised by significantly lower values of pH and water activity than control samples. The addition of rosemary inhibited the growth of psychrotrophic, coliform and Clostridium sp. bacteria. 3. The sensory quality of meatballs decreased over storage, first in control samples and later also in those containing rosemary. Warmed-over flavour was detected after 12 d of storage in meatballs spiced with rosemary and after 3 d in control samples. A sour flavour was not perceptible in meatballs containing rosemary. The obtained results confirm the beneficial effect of rosemary added to poultry meat products.

  16. Improvement in safety and cycle life of lithium-ion batteries by employing quercetin as an electrolyte additive

    NASA Astrophysics Data System (ADS)

    Lee, Meng-Lun; Li, Yu-Han; Yeh, Jien-Wei; Shih, Han C.

    2012-09-01

    Quercetin, an organic antioxidant, has been employed as an additive in lithium-ion cells to enhance the electrochemical performance to enhance the cycle life and the overcharging characteristics of LiPF6/EC + EMC + DMC (1 M) when used as an electrolyte. A LiCoO2/graphite full cell with 0.05% quercetin showed a significant improvement in safety associated with overcharging tolerance and thermal stability, without causing damage in C-rate capability, and even a small improvement in cycle life performance. The quercetin-containing lithium battery showed an improvement in its electrochemical properties with 92% capacity retention after 350 cycles from 2.8 to 4.3 V, at a rate of 1 C; compared to 85% capacity retention for a cell without quercetin operated under the same conditions. The electrochemical impedance spectroscopy (EIS) results for the LiCoO2 cathode show that the addition of 0.05% quercetin provides a significant suppression in the impedance of the cell after 60 cycles. The improvement might result from the formation of a passivation microstructure (from quercetin oxidation) on the electrode's surface. The quercetin-containing batteries provided long term cycling and a high safety performance, making them a viable power source for applications involving electric devices with significant safety requirements.

  17. The life closure scale: additional psychometric testing of a tool to measure psychological adaptation in death and dying.

    PubMed

    Dobratz, Marjorie C

    2004-02-01

    The purpose of this study was to conduct additional psychometric testing on an instrument designed to measure psychological adaptation in end-of-life populations across a wide spectrum of terminal illnesses. A sample of 20 participants completed initial testing of the Life Closure Scale (LCS); however, its usefulness was limited by the small sample size. A larger sample of 113 home hospice individuals who met established criteria and who gave informed consent completed the 27-item LCS for additional psychometric testing. Cronbach's alphas and correlation coefficients were computed, and factor analysis was conducted to establish internal consistency reliability, theoretical clarity, and criterion-related validity. The number of scale items was reduced to 20, with a total alpha of.87. Cronbach's alphas for the two subscales were.80 (self-reconciled) and.82 (self-restructuring). Item-total correlations for the subscales ranged from a low of.37 to a high of.68, with confirmatory factor analysis yielding two loadings. These findings lend credence to the usefulness of the LCS in measuring psychological adaptation in dying persons.

  18. 5 CFR 870.601 - Termination of Basic insurance.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... REGULATIONS (CONTINUED) FEDERAL EMPLOYEES' GROUP LIFE INSURANCE PROGRAM Termination and Conversion § 870.601... employee stops on the date he/she separates from service, subject to a 31-day extension of coverage. (b... extension of coverage. (c) The Basic insurance of an insured employee who moves without a break in...

  19. 5 CFR 870.602 - Termination of Optional insurance.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... REGULATIONS (CONTINUED) FEDERAL EMPLOYEES' GROUP LIFE INSURANCE PROGRAM Termination and Conversion § 870.602... Basic insurance stops, subject to the same 31-day extension of coverage. (2) An employee who meets the... separates from service, subject to a 31-day extension of coverage. (c)(1) If an insured employee is...

  20. 5 CFR 870.205 - Amount of Optional insurance.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... REGULATIONS (CONTINUED) FEDERAL EMPLOYEES' GROUP LIFE INSURANCE PROGRAM Types and Amount of Insurance § 870... beginning on or after October 30, 1998, Option A cannot exceed this amount. Exception: This does not apply... insurance (the first pay period beginning on or after October 30, 1998). (b)(1) Option B coverage comes in...

  1. 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

    ... hired by another person to distribute meat products, vegetable products, fruit products, bakery products... 20 Employees' Benefits 2 2011-04-01 2011-04-01 false Agent-driver or commission-driver, full-time... Employees' Benefits SOCIAL SECURITY ADMINISTRATION FEDERAL OLD-AGE, SURVIVORS AND DISABILITY INSURANCE...

  2. 26 CFR 20.2031-8 - Valuation of certain life insurance and annuity contracts; valuation of shares in an open-end...

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ...) The fair market value of a share in an open-end investment company (commonly known as a “mutual fund... contracts; valuation of shares in an open-end investment company. 20.2031-8 Section 20.2031-8 Internal... insurance and annuity contracts; valuation of shares in an open-end investment company. (a) Valuation...

  3. 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 fair market value of a share in an open-end investment company (commonly known as a “mutual fund... contracts; valuation of shares in an open-end investment company. 20.2031-8 Section 20.2031-8 Internal... insurance and annuity contracts; valuation of shares in an open-end investment company. (a) Valuation...

  4. 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 fair market value of a share in an open-end investment company (commonly known as a “mutual fund... contracts; valuation of shares in an open-end investment company. 20.2031-8 Section 20.2031-8 Internal... insurance and annuity contracts; valuation of shares in an open-end investment company. (a) Valuation...

  5. 76 FR 67743 - Medicare, Medicaid, and Children's Health Insurance Programs; Provider Enrollment Application Fee...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-11-02

    ... Medicare or Medicaid programs or Children's Health Insurance Program (CHIP); revalidating their Medicare... Health Insurance Programs; Additional Screening Requirements, Application Fees, Temporary Enrollment..., Medicaid, and Children's Health Insurance Program (CHIP) provider enrollment processes. Specifically,...

  6. Hypoxia and acidification have additive and synergistic negative effects on the growth, survival, and metamorphosis of early life stage bivalves.

    PubMed

    Gobler, Christopher J; DePasquale, Elizabeth L; Griffith, Andrew W; Baumann, Hannes

    2014-01-01

    Low oxygen zones in coastal and open ocean ecosystems have expanded in recent decades, a trend that will accelerate with climatic warming. There is growing recognition that low oxygen regions of the ocean are also acidified, a condition that will intensify with rising levels of atmospheric CO2. Presently, however, the concurrent effects of low oxygen and acidification on marine organisms are largely unknown, as most prior studies of marine hypoxia have not considered pH levels. We experimentally assessed the consequences of hypoxic and acidified water for early life stage bivalves (bay scallops, Argopecten irradians, and hard clams, Mercenaria mercenaria), marine organisms of significant economic and ecological value and sensitive to climate change. In larval scallops, experimental and naturally-occurring acidification (pH, total scale  = 7.4-7.6) reduced survivorship (by >50%), low oxygen (30-50 µM) inhibited growth and metamorphosis (by >50%), and the two stressors combined produced additively negative outcomes. In early life stage clams, however, hypoxic waters led to 30% higher mortality, while acidified waters significantly reduced growth (by 60%). Later stage clams were resistant to hypoxia or acidification separately but experienced significantly (40%) reduced growth rates when exposed to both conditions simultaneously. Collectively, these findings demonstrate that the consequences of low oxygen and acidification for early life stage bivalves, and likely other marine organisms, are more severe than would be predicted by either individual stressor and thus must be considered together when assessing how ocean animals respond to these conditions both today and under future climate change scenarios.

  7. Hypoxia and Acidification Have Additive and Synergistic Negative Effects on the Growth, Survival, and Metamorphosis of Early Life Stage Bivalves

    PubMed Central

    Gobler, Christopher J.; DePasquale, Elizabeth L.; Griffith, Andrew W.; Baumann, Hannes

    2014-01-01

    Low oxygen zones in coastal and open ocean ecosystems have expanded in recent decades, a trend that will accelerate with climatic warming. There is growing recognition that low oxygen regions of the ocean are also acidified, a condition that will intensify with rising levels of atmospheric CO2. Presently, however, the concurrent effects of low oxygen and acidification on marine organisms are largely unknown, as most prior studies of marine hypoxia have not considered pH levels. We experimentally assessed the consequences of hypoxic and acidified water for early life stage bivalves (bay scallops, Argopecten irradians, and hard clams, Mercenaria mercenaria), marine organisms of significant economic and ecological value and sensitive to climate change. In larval scallops, experimental and naturally-occurring acidification (pH, total scale  = 7.4–7.6) reduced survivorship (by >50%), low oxygen (30–50 µM) inhibited growth and metamorphosis (by >50%), and the two stressors combined produced additively negative outcomes. In early life stage clams, however, hypoxic waters led to 30% higher mortality, while acidified waters significantly reduced growth (by 60%). Later stage clams were resistant to hypoxia or acidification separately but experienced significantly (40%) reduced growth rates when exposed to both conditions simultaneously. Collectively, these findings demonstrate that the consequences of low oxygen and acidification for early life stage bivalves, and likely other marine organisms, are more severe than would be predicted by either individual stressor and thus must be considered together when assessing how ocean animals respond to these conditions both today and under future climate change scenarios. PMID:24416169

  8. Ocean Piracy and its Impact on Insurance

    DTIC Science & Technology

    2008-12-03

    costs could adversely impact international trade during the current global economic slowdown. In addition to proposals for military deterrence and...U.S. Department of Transportation’s Maritime Administration, authorizes the federal government to act as an insurer or reinsurer of last resort to...and reinsurance federal backstop automatically provides insurance and/or reinsurance to the ocean marine shipping industry (see “War Risk Insurance

  9. 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...

  10. 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...

  11. 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...

  12. 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...

  13. 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...

  14. 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...

  15. 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...

  16. 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...

  17. Demand for Self-Employed Health Insurance

    PubMed Central

    Emamgholipour, Sara; Arab, Mohammad; Ebrahimzadeh, Javad

    2016-01-01

    Objective: 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. Materials and Methods: 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. Results: 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. Conclusion: To promote voluntary health insurance, it is helpful to identify effective factors that stimulate the health insurance demand. PMID:28149140

  18. Life without post-transcriptional addition of G-1: two alternatives for tRNAHis identity in Eukarya.

    PubMed

    Rao, Bhalchandra S; Jackman, Jane E

    2015-02-01

    The identity of tRNA(His) is strongly associated with the presence of an additional 5'-guanosine residue (G-1) in all three domains of life. The critical nature of the G-1 residue is underscored by the fact that two entirely distinct mechanisms for its acquisition are observed, with cotranscriptional incorporation observed in Bacteria, while post-transcriptional addition of G-1 occurs in Eukarya. Here, through our investigation of eukaryotes that lack obvious homologs of the post-transcriptional G-1-addition enzyme Thg1, we identify alternative pathways to tRNA(His) identity that controvert these well-established rules. We demonstrate that Trypanosoma brucei, like Acanthamoeba castellanii, lacks the G-1 identity element on tRNA(His) and utilizes a noncanonical G-1-independent histidyl-tRNA synthetase (HisRS). Purified HisRS enzymes from A. castellanii and T. brucei exhibit a mechanism of tRNA(His) recognition that is distinct from canonical G-1-dependent synthetases. Moreover, noncanonical HisRS enzymes genetically complement the loss of THG1 in Saccharomyces cerevisiae, demonstrating the biological relevance of the G-1-independent aminoacylation activity. In contrast, in Caenorhabditis elegans, which is another Thg1-independent eukaryote, the G-1 residue is maintained, but here its acquisition is noncanonical. In this case, the G-1 is encoded and apparently retained after 5' end processing, which has so far only been observed in Bacteria and organelles. Collectively, these observations unearth a widespread and previously unappreciated diversity in eukaryotic tRNA(His) identity mechanisms.

  19. Insurance underwriting in the genetic era.

    PubMed Central

    Pokorski, R J

    1997-01-01

    Genetic technology is assuming a greater role in the practice of medicine. Insurers have a vested interest because individually underwritten insurance cannot be sold without risk classification, and much of the medical information needed to classify risks will have a genetic component. This paper reviews recent genetic advances and their potential impact on life, disability income, long-term care, and critical illness insurance. Alzheimer disease is chosen to illustrate the effect of an organized effort to withhold medical information from insurance companies. Consumers will not support a private insurance mechanism with extensive cross-subsidization among policyholders and where medical information becomes inviolate simply because it is genetic. A framework for deliberations with the medical community is proposed. PMID:8981964

  20. CASE [Council for the Advancement and Support of Education] Insurance. A Booklet for CASE members Who Are Considering Adding an Insurance Program to Their Alumni Services. The First in a Series of Alumni Service Publications.

    ERIC Educational Resources Information Center

    Council for the Advancement and Support of Education, Washington, DC.

    This brochure was prepared because of increasing CASE member interest in the possibility of offering life, health, and automobile insurance programs to alumni as a source of additional income to alumni associations and schools. Ideas and approaches to consider before establishing such programs are offered, but neither specific programs nor legal…

  1. 38 CFR 36.4512 - Taxes and insurance.

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ... 38 Pensions, Bonuses, and Veterans' Relief 2 2012-07-01 2012-07-01 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...

  2. 75 FR 68037 - Proposed Information Collection (Application for Reinstatement (Insurance Lapsed More Than 6...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-11-04

    ... collection of information, including each proposed extension of a currently approved collection, and allow 60... to reinstate a claimant's Government Life Insurance and/or Total Disability Income Provision. DATES...: Application for Reinstatement (Insurance Lapsed More than 6 Months), Government Life Insurance and/or...

  3. 26 CFR 1.1035-1 - Certain exchanges of insurance policies.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... exchange of: (a) A contract of life insurance for another contract of life insurance or for an endowment or... endowment insurance providing for regular payments beginning at a date not later than the date payments would have begun under the contract exchanged, or an annuity contract (section 1035(a)(2)); or (c)...

  4. 26 CFR 1.1035-1 - Certain exchanges of insurance policies.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... exchange of: (a) A contract of life insurance for another contract of life insurance or for an endowment or... endowment insurance providing for regular payments beginning at a date not later than the date payments would have begun under the contract exchanged, or an annuity contract (section 1035(a)(2)); or (c)...

  5. Pet insurance--essential option?

    PubMed Central

    Stowe, J D

    2000-01-01

    As Hawn (2) says, "insurance is about risk and peace of mind." She reports that the American Humane Society supports pet insurance because companion animals are able to be treated for disease or accidents that are life-threatening where, otherwise, they would have been euthanized. For veterinarians, she suggests that pet insurance allows them to practice veterinary medicine "as if it were free." It is inevitable that pet insurance will grow as a recourse for veterinary fees. This may be a savior to some families whose budget is stretched to the limit at a critical moment in the health care of their cherished pet. We in the veterinary profession have an advantage over other professions. We have seen the good, the bad, and the ugly of insurance, as it applies to human health and dental care. If we work hand-in-hand with our own industries, collectively we may be able to develop a system that wins for everyone, with fees that allow practice to thrive and growth strategies that accommodate new treatment and diagnostic modalities, as well as consistent and exemplary customer service. The path ahead is always fraught with bumps and potholes. We can be a passive passenger and become a victim of the times or an active driver to steer the profession to a clearer route. Pet insurance is but one of the solutions for the profession; the others are a careful assessment of our fees--charging what we are worth, not what we think the client will pay; business management; customer service; leadership of our health care team; lifelong learning; and more efficient delivery systems. Let us stop being a victim, stop shooting ourselves in the professional foot, and seize the day! Images p639-a PMID:10945132

  6. Pet insurance--essential option?

    PubMed

    Stowe, J D

    2000-08-01

    As Hawn (2) says, "insurance is about risk and peace of mind." She reports that the American Humane Society supports pet insurance because companion animals are able to be treated for disease or accidents that are life-threatening where, otherwise, they would have been euthanized. For veterinarians, she suggests that pet insurance allows them to practice veterinary medicine "as if it were free." It is inevitable that pet insurance will grow as a recourse for veterinary fees. This may be a savior to some families whose budget is stretched to the limit at a critical moment in the health care of their cherished pet. We in the veterinary profession have an advantage over other professions. We have seen the good, the bad, and the ugly of insurance, as it applies to human health and dental care. If we work hand-in-hand with our own industries, collectively we may be able to develop a system that wins for everyone, with fees that allow practice to thrive and growth strategies that accommodate new treatment and diagnostic modalities, as well as consistent and exemplary customer service. The path ahead is always fraught with bumps and potholes. We can be a passive passenger and become a victim of the times or an active driver to steer the profession to a clearer route. Pet insurance is but one of the solutions for the profession; the others are a careful assessment of our fees--charging what we are worth, not what we think the client will pay; business management; customer service; leadership of our health care team; lifelong learning; and more efficient delivery systems. Let us stop being a victim, stop shooting ourselves in the professional foot, and seize the day!

  7. Understanding health insurance plans

    MedlinePlus

    ... page: //medlineplus.gov/ency/patientinstructions/000879.htm Understanding health insurance plans To use the sharing features on this ... plan for you and your family. Types of Health Insurance Plans Depending on how you get your health ...

  8. Prescriptions and Insurance Plans

    MedlinePlus

    ... the high cost of prescription medicines, most insurance companies and employers are trying to control drug costs. ... is a list of medications that your insurance company will help you pay for. This list is ...

  9. 48 CFR 2132.770 - Insurance premium payments and special contingency reserve.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... and special contingency reserve. 2132.770 Section 2132.770 Federal Acquisition Regulations System OFFICE OF PERSONNEL MANAGEMENT, FEDERAL EMPLOYEES GROUP LIFE INSURANCE FEDERAL ACQUISITION REGULATION... and special contingency reserve. Insurance premium payments and a special contingency reserve are...

  10. Insurers lose court battle

    SciTech Connect

    Lucas, A.

    1994-09-28

    Recent court disputes concerning insurance coverage of Superfund costs have resulted in the retrial of a proinsurer ruling on environmental cleanup costs for potentially responsible parties. The court rejected the insurance industry`s pollution exclusion clause by Aetna and two nonchemical companies. Supposedly this is good news for the chemical industry, because there will be more access to insurance money in Superfund cleanups.

  11. Farmers Insures Success

    ERIC Educational Resources Information Center

    Freifeld, Lorri

    2012-01-01

    Farmers Insurance claims the No. 2 spot on the Training Top 125 with a forward-thinking training strategy linked to its primary mission: FarmersFuture 2020. It's not surprising an insurance company would have an insurance policy for the future. But Farmers takes that strategy one step further, setting its sights on 2020 with a far-reaching plan to…

  12. 38 CFR 8.15 - Provision for paid-up insurance; other than 5-year level premium term or limited convertible 5...

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... the date the paid-up insurance becomes effective. Such paid-up insurance will be effective as of the... 38 Pensions, Bonuses, and Veterans' Relief 1 2010-07-01 2010-07-01 false Provision for paid-up... SERVICE LIFE INSURANCE Extended Term and Paid-up Insurance § 8.15 Provision for paid-up insurance;...

  13. Genetic information and insurance: some ethical issues.

    PubMed Central

    O'Neill, O

    1997-01-01

    Life is risky, and insurance provides one of the best developed ways of controlling risks. By pooling, and so transferring risks, those who turn out to suffer antecedently uncertain harms can be assured in advance that they will be helped if those harms arise; they can then plan their lives and activities with confidence that they are less at the mercy of ill fortune. Both publicly organized and commercial insurance can organize the pooling of risk in ways that are beneficial for all concerned. They provide standard ways of securing fundamental ethical values such as solidarity and mutuality. Although policy holders do not know or contract with one another, each benefits from the contribution of others to a shared scheme for pooling and so controlling risk. Although there is a limit to the degree to which commercially-based insurance, where premiums depend on risk level, can go beyond mutuality towards solidarity, in practice it too often achieves a measure of solidarity by taking a broad brush approach to pooling risk. However, the ordinary practices of insurance, and in particular of commercial insurance, also raise ethical questions. These may be put in simple terms by contrasting the way in which an insurance market discriminates between different people, on the basis of characteristics that (supposedly) determine their risk level, and our frequent abhorrence of discrimination, in particular on the basis on religious, racial and gender characteristics. Are the discriminations on which insurance practice relies upon as standard acceptable or not? The increasing availability of genetic information, which testing (of individuals) and screening (of populations) may provide, could lend urgency to these questions. Genetic information may provide a way of obtaining more accurate assessment of individual risks to health and life. This information could be used to discriminate more finely between the risk levels of different individuals, and then to alter the

  14. Private Information and Insurance Rejections

    PubMed Central

    Hendren, Nathaniel

    2013-01-01

    Across a wide set of non-group insurance markets, applicants are rejected based on observable, often high-risk, characteristics. This paper argues that private information, held by the potential applicant pool, explains rejections. I formulate this argument by developing and testing a model in which agents may have private information about their risk. I first derive a new no-trade result that theoretically explains how private information could cause rejections. I then develop a new empirical methodology to test whether this no-trade condition can explain rejections. The methodology uses subjective probability elicitations as noisy measures of agents beliefs. I apply this approach to three non-group markets: long-term care, disability, and life insurance. Consistent with the predictions of the theory, in all three settings I find significant amounts of private information held by those who would be rejected; I find generally more private information for those who would be rejected relative to those who can purchase insurance; and I show it is enough private information to explain a complete absence of trade for those who would be rejected. The results suggest private information prevents the existence of large segments of these three major insurance markets. PMID:24187381

  15. Health insurance reform legislation.

    PubMed

    DiSimone, R L

    1997-01-01

    The Health Insurance Portability and Accountability Act of 1996 (HIPAA), enacted on August 21, 1996 (Public Law 104-19), provides for improved access and renewability with respect to employment-related group health plans, to health insurance coverage sold in connection with group plans, and to the individual market (by amending the Public Health Service Act). The Act's provisions include improvements in portability and continuity of health insurance coverage; combatting waste, fraud, and abuse in health insurance and health care delivery; promoting the use of medical savings accounts; improving access to long-term care services and insurance coverage; administrative simplification; and addressing duplication and coordination of Medicare benefits.

  16. [Insurance for civil responsibility in professional medicine: insurance systems and coverage for posterity].

    PubMed

    Bex, Ph

    2004-01-01

    The author presents the systems of medical liability insurance available on the Belgian market; they are at the moment based on loss occurrence, claims made or fact occurrence. The systems based on loss occurrence and on claims made impose the provision of an additional premium. Problems connected with changing the insurance company are touched upon, including sometimes a necessity to provide a precedence premium.

  17. 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

    ...) The fair market value of a share in an open-end investment company (commonly known as a “mutual fund... contracts; valuation of shares in an open-end investment company. 25.2512-6 Section 25.2512-6 Internal... contracts; valuation of shares in an open-end investment company. (a) Valuation of certain life...

  18. 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

    ...) The fair market value of a share in an open-end investment company (commonly known as a “mutual fund... contracts; valuation of shares in an open-end investment company. 25.2512-6 Section 25.2512-6 Internal... contracts; valuation of shares in an open-end investment company. (a) Valuation of certain life...

  19. 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

    ...) The fair market value of a share in an open-end investment company (commonly known as a “mutual fund... contracts; valuation of shares in an open-end investment company. 25.2512-6 Section 25.2512-6 Internal... contracts; valuation of shares in an open-end investment company. (a) Valuation of certain life...

  20. Nonlife Insurance Pricing:

    NASA Astrophysics Data System (ADS)

    Darooneh, Amir H.

    We consider the insurance company as a physical system which is immersed in its environment (the financial market). The insurer company interacts with the market by exchanging the money through the payments for loss claims and receiving the premium. Here, in the equilibrium state, we obtain the premium by using the canonical ensemble theory, and compare it with the Esscher principle, the well-known formula in actuary for premium calculation. We simulate the case of car insurance for quantitative comparison.

  1. Transitional care issues influencing access to health care: employability and insurability.

    PubMed

    Hellstedt, Linda F

    2004-12-01

    Addressing the issues of employability and insurability remains a challenge for young adults with CHD, their parents, and health care professionals who care for this patient group. Because of their chronic condition, these young persons require ongoing access to health care, throughout their adult lives. Because most individuals obtain insurance through their place of employment (unless it is obtained under a spouse's policy), adolescents with CHD should begin to look carefully at career options that are compatible with their interests and their physical abilities. If it is more appropriate, assistance with referral to vocational rehabilitation programs may be given. Finally, guidance should include how to avoid issues of discrimination during a job interview and when working at one's place of employment. Legislation now supports many workers as long as they can carry out the job for which they were hired. With the continuing rise in cost of health care and health insurance coverage, young persons with CHD must understand the high importance of maintaining health care coverage for their chronic health condition, usually through a group plan in their place of employment. Current legislation supports supplemental coverage and portability of coverage when changing jobs, which minimizes or eliminates waiting periods for pre-existing conditions. Suggestions for ongoing health care are included not only for care by a cardiologist but noncardiac care, including a primary care practitioner, dental care, and obstetric-gynecologic care. With the size and life expectancy of this patient group growing each year, the issues of employability and insurability must continually be addressed by health care professionals in conjunction with government policy makers and insurance representatives. As additional long-term survival data become available on the natural history of CHD, it is hoped that insurance requirements will be modified to afford this group the insurance coverage

  2. Insuring against environmental risks

    SciTech Connect

    Anspach, K.G.

    1993-06-01

    As the chemical process industries now know all too well, environmental damages represent a significant risk to the firms and individuals in it. Whether the cause of the damage is a sudden spill or the gradual contamination of a site through underground leakage, major financial losses are a constant threat. U.S. insurance companies are also aware of these risks. During the late 1970s and early 1980s, many limited environmental coverage in the policies that they sold; later, such coverage was dropped entirely. Recently, many new types of coverage have become available, but often at high expense. To get adequate insurance coverage at a reasonable price, CPI firms can pursue several options: general liability insurance, self-insurance, specialized environmental insurance--or no insurance at all. Each of these options raise certain risks and costs. At the same time, individual engineers or consulting engineering groups that service the CPI have their own set of insurance options. Most independent engineering consultants carry some type of liability insurance; now, as the potential consequences of their work on the environment become clearer, some have invested in various types of professional insurance.

  3. Effect of Addition of Natural Antioxidants on the Shelf-Life of "Chorizo", a Spanish Dry-Cured Sausage.

    PubMed

    Pateiro, Mirian; Bermúdez, Roberto; Lorenzo, José Manuel; Franco, Daniel

    2015-01-14

    The dose effect of the addition of natural antioxidants (tea, chestnut, grape seed and beer extracts) on physicochemical, microbiological changes and on oxidative stability of dry-cured "chorizo", as well as their effect during the storage under vacuum conditions was evaluated. Color parameters were significantly (p < 0.05) affected by the addition of antioxidants so that samples that contained antioxidants were more effective in maintaining color. The improving effects were dose-dependent with highest values with the dose of 50 mg/kg during ripening and depend on the extract during vacuum packaging. Addition of antioxidants decreased (p < 0.05) the oxidation, showing thiobarbituric acid reactive substances (TBARS) values below 0.4 mg MDA/kg. Natural antioxidants matched or even improved the results obtained for butylated hydroxytoluene (BHT). Regarding texture profile analysis (TPA) analysis, hardness values significantly (p < 0.001) decreased with the addition of antioxidants, obtaining the lower results with the dose of 200 mg/kg both during ripening and vacuum packaging. Antioxidants reduced the counts of total viable counts (TVC), lactic acid bacteria (LAB), mold and yeast. Free fatty acid content during ripening and under vacuum conditions showed a gradual and significant (p < 0.05) release as a result of lipolysis. At the end of ripening, the addition of GRA1000 protected chorizos from oxidative degradation.

  4. Improvement in antioxidant functionality and shelf life of yukwa (fried rice snack) by turmeric (Curcuma longa L.) powder addition.

    PubMed

    Lim, Seung-Taik; Han, Jung-Ah

    2016-05-15

    The physico-chemical, oxidative and sensory characteristics of fried rice snack, yukwa with different amounts of turmeric powder (Curcuma longa) were investigated. The moisture content of the pallet ranged from 16.47% to 19.84%. After frying the pallet, a slight decrease in the degree of expansion was obtained with increasing turmeric powder content. The textural properties of yukwa were not changed until the turmeric powder content reached 5%; however, over 8% addition induced a decrease in the hardness and an increase in the crispiness. Oxidative deterioration was effectively inhibited by turmeric powder addition, and more turmeric powder in yukwa led to higher free radical scavenging activity. Based on the sensory characteristics, a 5% addition of turmeric powder was the most acceptable for the yukwa product. In the correlation results among variables, the moisture content of the pallet proved to be the most important factor for yukwa quality.

  5. Improve Quality of Life - additional criteria for health and social care information technology acceptance in an ageing world.

    PubMed

    Monteiro, Jorge

    2012-01-01

    Reversing the rising cost of health and social systems is needed in ageing developed and developing countries. A new model of ageing is advocated by the World Health Organization. This new model asks for more personal health accountability and a more integrated approach on care and preventive cure. Information systems and technologies can play an important role in supporting the changes needed in order to have better and more sustainable health and social care systems. Using value and results for patients as criteria by which systems are accepted by users and by organizations can contribute to a value based competition in health and social care systems. The unified theory of acceptance and use of technology is presented, and the pertinence of adding an extension to the theory in order capture Quality of Life improvements expectations is explored.

  6. Insurance and Mathematics: Developing Democratic Citizenship through Interdisciplinary Approaches to Contemporary Issues

    ERIC Educational Resources Information Center

    Misco, Thomas; Lee, Lena; Malone, Kevin; Goley, G. Steven; Seabolt, Phaedra

    2012-01-01

    Insurance is an interesting interdisciplinary topic that can offer generative meaning and relevance for students. By adapting real life examples and authentic simulations, mathematical concepts can be applied to insurance-related social studies issues and content. This article explores ways to teach insurance and related mathematical concepts to…

  7. 44 CFR 19.440 - Health and insurance benefits and services.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... Education Programs or Activities Prohibited § 19.440 Health and insurance benefits and services. Subject to § 19.235(d), in providing a medical, hospital, accident, or life insurance benefit, service, policy, or... 44 Emergency Management and Assistance 1 2010-10-01 2010-10-01 false Health and insurance...

  8. 36 CFR 1211.440 - Health and insurance benefits and services.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... 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... 36 Parks, Forests, and Public Property 3 2011-07-01 2011-07-01 false Health and insurance...

  9. 10 CFR 5.440 - Health and insurance benefits and services.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 10 Energy 1 2011-01-01 2011-01-01 false Health and insurance benefits and services. 5.440 Section... Education Programs or Activities Prohibited § 5.440 Health and insurance benefits and services. Subject to § 5.235(d), in providing a medical, hospital, accident, or life insurance benefit, service, policy,...

  10. 7 CFR 15a.39 - Health and insurance benefits and services.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 7 Agriculture 1 2011-01-01 2011-01-01 false Health and insurance benefits and services. 15a.39... Programs and Activities Prohibited § 15a.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,...

  11. 45 CFR 618.440 - Health and insurance benefits and services.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... 45 Public Welfare 3 2010-10-01 2010-10-01 false Health and insurance benefits and services. 618....440 Health and insurance benefits and services. Subject to § 618.235(d), in providing a medical, hospital, accident, or life insurance benefit, service, policy, or plan to any of its students, a...

  12. 32 CFR 196.440 - Health and insurance benefits and services.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... 32 National Defense 2 2011-07-01 2011-07-01 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...

  13. 78 FR 36830 - Proposed Information Collection (Application for Supplemental Service Disabled Veterans Insurance...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-06-19

    ... AFFAIRS Proposed Information Collection (Application for Supplemental Service Disabled Veterans Insurance...: Application for Supplemental Service Disabled Veterans Insurance (SRH), VA Form 29-0188 and 29-0189, and Application for Supplemental Service Disabled Veterans (RH) Life Insurance, VA Form 29- 0190. OMB...

  14. 45 CFR 2555.440 - Health and insurance benefits and services.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... 45 Public Welfare 4 2011-10-01 2011-10-01 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...

  15. 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...

  16. 13 CFR 113.440 - Health and insurance benefits and services.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ....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... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Health and insurance benefits...

  17. 78 FR 58611 - Agency Information Collection (Application for Supplemental Service Disabled Veterans Insurance...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-09-24

    ... AFFAIRS Agency Information Collection (Application for Supplemental Service Disabled Veterans Insurance... Supplemental Service Disabled Veterans Insurance (SRH), VA Form 29-0188 and 29-0189, and Application for Supplemental Service Disabled Veterans (RH) Life Insurance, VA Form 29- 0190. OMB Control Number:...

  18. 7 CFR 15a.39 - Health and insurance benefits and services.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 7 Agriculture 1 2010-01-01 2010-01-01 false Health and insurance benefits and services. 15a.39... Programs and Activities Prohibited § 15a.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,...

  19. 29 CFR 36.440 - Health and insurance benefits and services.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 29 Labor 1 2010-07-01 2010-07-01 true Health and insurance benefits and services. 36.440 Section... Education Programs or Activities Prohibited § 36.440 Health and insurance benefits and services. Subject to § 36.235(d), in providing a medical, hospital, accident, or life insurance benefit, service, policy,...

  20. 34 CFR 106.39 - Health and insurance benefits and services.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... 34 Education 1 2011-07-01 2011-07-01 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...