Science.gov

Sample records for additional life insurance

  1. 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...

  2. 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...

  3. 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...

  4. 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...

  5. 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...

  6. Giving through life insurance

    NASA Astrophysics Data System (ADS)

    Reed, John C.

    Your Union's Gift Steering Committee has pointed out from time to time various methods of contributing to the Union that may provide certain members with the satisfaction of recognizing the value and attainments of the organization, and the part it played in the individual's career, combined with a maximum of convenience as well as tax and other advantages. One such method is to make the Union a beneficiary of one or more life insurance policies.The committee recently learned of an example of such giving that seems so pertinent to the committee's thinking that it is here called to the attention of the membership. The example is a gift to The George Washington University (GW) and was discussed in some detail on page 3 of the November 1982 GW Times under the heading ‘Getting and Giving: Carol Brosnari's Story.’

  7. 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)

  8. 78 FR 58264 - Servicemembers' Group Life Insurance and Veterans' Group Life Insurance Information Access

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-09-23

    ... AFFAIRS 38 CFR Part 9 RIN 2900-AO42 Servicemembers' Group Life Insurance and Veterans' Group Life... Insurance (SGLI), Family SGLI, SGLI Traumatic Injury Protection, and Veterans' Group Life Insurance (all...-AO42 Servicemembers' Group Life Insurance and Veterans' Group Life Insurance Information...

  9. 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...

  10. Life insurance after malignant disease.

    PubMed

    Fitzgerald, R H

    1981-11-01

    Forty-five life insurance companies responded to a questionnaire on insurance industry attitudes towards patients with a history of malignancy other than skin carcinoma. Although the criteria for acceptance, provisions of the policy, and philosophy about adjuvant treatment varied, all companies would underwrite such patients provided that at application there was no evidence of persistent or recurrent disease or severe complications of therapy. The concept of excess mortality (observed death rates versus standard expected death rates) is used with other factors in calculating premiums. Legal and ethical responsibilities of physicians associated with insurance applications are briefly discussed.

  11. 75 FR 66806 - Nationwide Life Insurance Company, et al.,

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-10-29

    ... COMMISSION Nationwide Life Insurance Company, et al., Notice of Application October 25, 2010. AGENCY...: Nationwide Life Insurance Company (``NWL''), Nationwide Life and Annuity Insurance Company (``NLAIC... contracts and/or variable life insurance policies issued by the Insurance Companies (collectively,...

  12. 75 FR 13147 - Integrity Life Insurance Company, et al.;

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-03-18

    ... COMMISSION Integrity Life Insurance Company, et al.; Notice of Application March 10, 2010. AGENCY: Securities...: Integrity Life Insurance Company (``Integrity''), Separate Account I of Integrity Life Insurance Company (``Integrity Separate Account I''), Separate Account II of Integrity Life Insurance Company...

  13. [Hypertension, smoking and life insurance].

    PubMed

    Lund-Johansen, P

    1975-11-01

    The insurance companies' data on blood-pressure and longevity have certainly contributed to the trend among both laymen and doctors to take hypertension more seriously. Smoking is also of special interest, having proved to be a clear risk-factor in coronary disease. It holds a unique position, in that - at least theoretically - it would be possible to eliminate. The insurance companies could undoubtedly contribute to an altered attitude towards the problem of smoking. Non-smokers might be granted a bonus and heavy smokers be charged an additional premium.

  14. 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 age levels and…

  15. 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......

  16. 76 FR 20727 - National Life Insurance Company, et al.

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-04-13

    ... COMMISSION National Life Insurance Company, et al. April 7, 2011. AGENCY: Securities and Exchange Commission... Act of 1940 (the ``1940 Act''). Applicants: National Life Insurance Company (``NLIC''), National Variable Annuity Account II (``Annuity Account''), National Variable Life Insurance Account (``Life...

  17. 26 CFR 1.7702-2 - Attained age of the insured under a life insurance contract.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 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 contract under the... second of the two insureds dies. (ii) Section 1.7702-2(c)(1) provides that if a life insurance...

  18. 26 CFR 1.803-1 - Life insurance reserves.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 26 Internal Revenue 8 2010-04-01 2010-04-01 false Life insurance reserves. 1.803-1 Section 1.803-1...) INCOME TAXES Life Insurance Companies § 1.803-1 Life insurance reserves. (a) The term “life insurance... covered by the premiums are not included in life insurance reserves. Unpaid loss reserves...

  19. 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

  20. The Status of Group Life Insurance Plans.

    ERIC Educational Resources Information Center

    Cook, Thomas J.

    1981-01-01

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

  1. 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.

  2. 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...

  3. 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...

  4. 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...

  5. 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...

  6. 78 FR 54691 - American General Life Insurance Company, et al.

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-09-05

    ... COMMISSION American General Life Insurance Company, et al. August 29, 2013, AGENCY: The Securities and... Life Insurance Company (``American General''), The United States Life Insurance Company in the City of New York (``US Life'') (each, an ``Insurance Company'' and together, the ``Insurance Companies''),...

  7. 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...

  8. 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...

  9. 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...

  10. 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...

  11. 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...

  12. 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...

  13. Establishment of life insurance benefits, 1986.

    PubMed

    1988-01-01

    In 1986, Nanjing County in Fujian Province, China, established life insurance policies for only children. Families with only one child paying insurance premiums of 40 yuan will be refunded medical expenses exceeding 200 yuan incurred in caring for the child from birth to age 16.

  14. 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…

  15. 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... Insurance, Replacement Insurance for Modified Life Reduced at Age 65, National Service Life Insurance, VA Form 29-8485. b. Application for Ordinary Life Insurance, Replacement Insurance for Modified...

  16. 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.

  17. 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...

  18. 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...

  19. 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...

  20. 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...

  1. 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...

  2. 41 CFR 60-741.25 - Health insurance, life insurance and other benefit plans.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

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

  3. 75 FR 60833 - Jackson National Life Insurance Company, et al.;

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-10-01

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

  4. 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 insurance reserves” is defined in section 803(b). Generally, such reserves, as in the case of level...

  5. 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 insurance reserves” is defined in section 803(b). Generally, such reserves, as in the case of level...

  6. 26 CFR 1.803-1 - Life insurance reserves.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... 26 Internal Revenue 8 2011-04-01 2011-04-01 false Life insurance reserves. 1.803-1 Section 1.803-1...) INCOME TAXES (CONTINUED) Life Insurance Companies § 1.803-1 Life insurance reserves. (a) The term “life insurance reserves” is defined in section 803(b). Generally, such reserves, as in the case of level...

  7. 77 FR 54621 - Pruco Life Insurance Company, et al;

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-09-05

    ... COMMISSION Pruco Life Insurance Company, et al; Notice of Application August 29, 2012. AGENCY: Securities and... 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''), Pruco Life Insurance...

  8. Life cycle responses to health insurance status.

    PubMed

    Pelgrin, Florian; St-Amour, Pascal

    2016-09-01

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

  9. 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...

  10. 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...

  11. 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...

  12. 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...

  13. 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...

  14. 41 CFR 60-250.25 - Health insurance, life insurance and other benefit plans.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 41 Public Contracts and Property Management 1 2010-07-01 2010-07-01 true Health insurance, life insurance and other benefit plans. 60-250.25 Section 60-250.25 Public Contracts and Property Management..., life insurance and other benefit plans. (a) An insurer, hospital, or medical service company,...

  15. 41 CFR 60-300.25 - Health insurance, life insurance and other benefit plans.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 41 Public Contracts and Property Management 1 2010-07-01 2010-07-01 true Health insurance, life insurance and other benefit plans. 60-300.25 Section 60-300.25 Public Contracts and Property Management..., life insurance and other benefit plans. (a) An insurer, hospital, or medical service company,...

  16. Actuarial models of life insurance with stochastic interest rate

    NASA Astrophysics Data System (ADS)

    Wei, Xiang; Hu, Ping

    2009-07-01

    On the basis of general actuarial model of life insurance, this article has carried on research to continuous life insurance actuarial models under the stochastic interest rate separately. And it provide net single premium for life insurance and life annuity due over a period based on that de Moivre law of mortality and Makeham's law of mortality separately.

  17. 48 CFR 552.228-5 - Government as Additional Insured.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... 48 Federal Acquisition Regulations System 4 2011-10-01 2011-10-01 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...

  18. 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...

  19. 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...

  20. 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...

  1. 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...

  2. 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.

  3. 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...

  4. 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...

  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. 20 CFR 416.1230 - Exclusion of life insurance.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

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

  7. 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...

  8. 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...

  9. 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...

  10. 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...

  11. 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...

  12. 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...

  13. 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 ``Accounts'') to support variable life insurance and annuity contracts issued by the...

  14. 75 FR 18908 - Jackson National Life Insurance Company, et al.

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-04-13

    ... COMMISSION Jackson National Life Insurance Company, et al. April 7, 2010. AGENCY: The Securities and Exchange... National Life Insurance Company (``Jackson National''), Jackson National Separate Account--I (the ``JNL Separate Account''), Jackson National Life Insurance Company of New York (``JNL New York'' and...

  15. 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...

  16. 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... Insurance Products Fund (``Fidelity Fund''), currently held by the Life Account and the Annuity...

  17. 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…

  18. 76 FR 19150 - Jackson National Life Insurance Company, et al.

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-04-06

    ... COMMISSION Jackson National Life Insurance Company, et al. March 31, 2011. AGENCY: The Securities and... contracts. Applicants: Jackson National Life Insurance Company (``Jackson''), Jackson National Separate Account--I (the ``JNL Separate Account''), Jackson National Life Insurance Company of New York...

  19. Life, health, and disability insurance: understanding the relationships.

    PubMed

    Jerry, Robert H

    2007-01-01

    Communitarian values are stronger in health insurance than in life or disability insurance. This correlates with increased tolerance for insurers' use of genetic information in disability insurance underwriting, which, in turn, is relevant to the scope and content of proposals to regulate such use.

  20. 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... TAX (CONTINUED) INCOME TAXES (CONTINUED) Miscellaneous Provisions § 1.819-2 Foreign life insurance companies. (a) Carrying on United States insurance business. Section 819(a) provides that a foreign...

  1. 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... Reservations § 552.67 Life insurance policy content. Insurance policies offered and sold on Army...

  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... Reservations § 552.67 Life insurance policy content. Insurance policies offered and sold on Army...

  3. 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... TAX (CONTINUED) INCOME TAXES (CONTINUED) Miscellaneous Provisions § 1.819-2 Foreign life insurance companies. (a) Carrying on United States insurance business. Section 819(a) provides that a foreign...

  4. 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... TAX (CONTINUED) INCOME TAXES (CONTINUED) Miscellaneous Provisions § 1.819-2 Foreign life insurance companies. (a) Carrying on United States insurance business. Section 819(a) provides that a foreign...

  5. 26 CFR 1.801-4 - Life insurance reserves.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... reserves defined. For purposes of part I, subchapter L, chapter 1 of the Code, the term life insurance... determining whether an insurance company is a life insurance company.) (4) The deficiency reserve (as defined... defined in section 805(b)(4)) for the taxable year, appropriate reduction shall be made in the...

  6. 26 CFR 1.819-2 - Foreign life insurance companies.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

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

  7. Genetic information and life insurance: a 'real' risk?

    PubMed

    Joly, Yann; Knoppers, Bartha M; Godard, Béatrice

    2003-08-01

    Public concern about genetic discrimination, particularly access to insurance following genetic testing, has been reported in the literature. This paper aims to separate myths from realities regarding genetic discrimination in life insurance and to underline the positive aspects of allowing insurers access to relevant genetic information for underwriting purposes. We present a review of the literature pertinent to discrimination in life insurance and a comparative analysis of industries guidelines. There are few reported cases in the literature of validated genetic discrimination. However, the benefits to be gained by allowing insurers access to relevant genetic data could justify fostering a more active role in the use of genetic information by insurance companies.

  8. 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…

  9. 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.

  10. 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

    ... Companies § 1.831-3 Tax on insurance companies (other than life or mutual), mutual marine insurance... 26 Internal Revenue 8 2013-04-01 2013-04-01 false Tax on insurance companies (other than life or mutual), mutual marine insurance companies, mutual fire insurance companies issuing perpetual...

  11. 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

    ... insurance companies (other than life or mutual), mutual marine insurance companies, and mutual fire... 26 Internal Revenue 8 2012-04-01 2012-04-01 false Tax on insurance companies (other than life or mutual), mutual marine insurance companies, and mutual fire insurance companies issuing...

  12. 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

    ... Companies § 1.831-3 Tax on insurance companies (other than life or mutual), mutual marine insurance... 26 Internal Revenue 8 2012-04-01 2012-04-01 false Tax on insurance companies (other than life or mutual), mutual marine insurance companies, mutual fire insurance companies issuing perpetual...

  13. 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

    ... insurance companies (other than life or mutual), mutual marine insurance companies, and mutual fire... 26 Internal Revenue 8 2013-04-01 2013-04-01 false Tax on insurance companies (other than life or mutual), mutual marine insurance companies, and mutual fire insurance companies issuing...

  14. 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

    ... insurance companies (other than life or mutual), mutual marine insurance companies, and mutual fire... 26 Internal Revenue 8 2011-04-01 2011-04-01 false Tax on insurance companies (other than life or mutual), mutual marine insurance companies, and mutual fire insurance companies issuing...

  15. 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

    ... Companies § 1.831-3 Tax on insurance companies (other than life or mutual), mutual marine insurance... 26 Internal Revenue 8 2014-04-01 2014-04-01 false Tax on insurance companies (other than life or mutual), mutual marine insurance companies, mutual fire insurance companies issuing perpetual...

  16. 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

    ... Companies § 1.831-3 Tax on insurance companies (other than life or mutual), mutual marine insurance... 26 Internal Revenue 8 2011-04-01 2011-04-01 false Tax on insurance companies (other than life or mutual), mutual marine insurance companies, mutual fire insurance companies issuing perpetual...

  17. 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

    ... 26 Internal Revenue 8 2010-04-01 2010-04-01 false Tax on insurance companies (other than life or mutual), mutual marine insurance companies, mutual fire insurance companies issuing perpetual policies...-3 Tax on insurance companies (other than life or mutual), mutual marine insurance companies,...

  18. [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.

  19. [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. PMID:26775306

  20. 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.

  1. 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

    ... companies (other than life or mutual), mutual marine insurance companies, and mutual fire insurance companies issuing perpetual policies. (a) All insurance companies, other than life or mutual or foreign... 26 Internal Revenue 8 2010-04-01 2010-04-01 false Tax on insurance companies (other than life...

  2. 78 FR 65393 - Ameritas Life Insurance Corp., et al; Notice of Application

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-10-31

    ... COMMISSION Ameritas Life Insurance Corp., et al; Notice of Application October 25, 2013. AGENCY: The... (the ``1940 Act''). Applicants: Ameritas Life Insurance Corp., Ameritas Life Insurance Corp. of New York, The Union Central Life Insurance Company (each, a ``Life Insurance Company'' and,...

  3. 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...

  4. 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...

  5. 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'...

  6. Life insurance for living kidney donors: a Canadian undercover investigation.

    PubMed

    Yang, R C; Young, A; Nevis, I F P; Lee, D; Jain, A K; Dominic, A; Pullenayegum, E; Klarenbach, S; Garg, A X

    2009-07-01

    Some living kidney donors encounter difficulties obtaining life insurance, despite previous surveys of insurance companies reporting otherwise. To better understand the effect of donation on insurability, we contacted offices of life insurance companies in five major cities in Canada to obtain $100 000 of life insurance (20-year term) for 40 fictitious living kidney donors and 40 paired controls. These profiles were matched on age, gender, family history of kidney disease and presence of hypertension. The companies were blinded to data collection. The study protocol was reviewed by the Office of Research Ethics. The main study outcomes were the annual premium quoted and total time spent on the phone with the insurance agent. All donor and control profiles received a quote, with no significant difference in the premium quoted (medians $190 vs. $209, p = 0.89). More time was spent on the phone for donor compared to control profiles, but the absolute difference was small (medians 9.5 vs. 7.0 min, p = 0.046). Age, gender, family history of kidney disease and new-onset hypertension had no further effect on donor insurability in regression analysis. We found no evidence that kidney donors were disadvantaged in the first step of applying for life insurance. The effect donation has on subsequent phases of insurance underwriting remains to be studied.

  7. 78 FR 18634 - ING Life Insurance and Annuity Company, et al; Notice of Application

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-03-27

    ... (``ING Life''), ING USA Annuity and Life Insurance Company (``ING USA''), ReliaStar Life Insurance Company of New York (``ReliaStar NY''), and Security Life of Denver Insurance Company (each a ``Company...Star Life Insurance Company of New York Separate Account NY-B, Security Life Separate Account...

  8. 75 FR 36452 - Pruco Life Insurance Company, et al.; Notice of Application

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-06-25

    ... COMMISSION Pruco Life Insurance Company, et al.; Notice of Application June 18, 2010. AGENCY: Securities and.... Applicants: Pruco Life Insurance Company (``Pruco Life''), Pruco Life Insurance Company of New Jersey (``PLNJ,'' and collectively with Pruco Life, the ``Insurance Companies''), Pruco Life Flexible Premium......

  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, 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...

  11. 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...

  12. 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...

  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 1.79-1 - 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)...

  15. 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...

  16. 12 CFR 2.3 - Distribution of credit life insurance income.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 12 Banks and Banking 1 2010-01-01 2010-01-01 false Distribution of credit life insurance income. 2... CREDIT LIFE INSURANCE § 2.3 Distribution of credit life insurance income. (a) Distribution of credit life... percent), who is involved in the sale of credit life insurance to loan customers of the national bank,...

  17. 26 CFR 1.802-4 - Life insurance company taxable income.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

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

  18. 26 CFR 1.802-4 - Life insurance company taxable income.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

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

  19. 26 CFR 1.802-4 - Life insurance company taxable income.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

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

  20. Non-life insurance pricing: multi-agent model

    NASA Astrophysics Data System (ADS)

    Darooneh, A. H.

    2004-11-01

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

  1. 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...

  2. 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

    ... 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...

  3. 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... companies other than life insurance companies and other than fire, flood, or marine insurance...

  4. 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... companies other than life insurance companies and other than fire, flood, or marine insurance...

  5. 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

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

  6. 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.

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

    PubMed

    Solomon, G

    1996-12-01

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

  8. 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...

  9. 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...

  10. 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...

  11. 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...

  12. 32 CFR Appendix A to Part 50 - Life Insurance Products and Securities

    Code of Federal Regulations, 2011 CFR

    2011-07-01

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

  13. 32 CFR Appendix A to Part 50 - Life Insurance Products and Securities

    Code of Federal Regulations, 2010 CFR

    2010-07-01

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

  14. 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...

  15. 26 CFR 1.802-3 - Tax imposed on life insurance companies.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

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

  16. 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...

  17. 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...

  18. 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.

  19. 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. PMID:26502657

  20. Implications of genetic testing: discrimination in life insurance and future directions.

    PubMed

    Mould, Annie

    2003-05-01

    This article examines the possibility of genetic discrimination in life insurance and discusses the inability of current Australian legislation to deal adequately with genetic test result information. Genetic information has certain features that distinguish it from other medical information and thus a specialist legislative package is required to regulate its use. This article outlines how current practices in the life insurance industry are inconsistent with notions of human rights. Several legislative options are suggested and examined. Given the negative and damaging impact that adverse selection is likely to have on the life insurance industry should the use of all genetic test results be prohibited, an approach which modifies the current regime is recommended. This includes a comprehensive review scheme and the introduction of additional insurance products tailored to individuals suffering from various genetic illnesses or predispositions to future disease.

  1. [Genetic screening of patients with familial hypercholesterolemia and insurability for life insurance policies and disability cover policies].

    PubMed

    Homsma, S J; Lansberg, P J; Kastelein, J J

    2004-03-01

    In the Netherlands, people with familial hypercholesterolaemia (FH) have been actively screened since 1994 by means of DNA analysis. Recently, the Stichting Opsporing Erfelijke Hypercholesterolemie (Foundation for the Detection of Familial Hypercholesterolaemia) initiated a large scale-screening programme aimed at finding all 40,000 people. The Dutch ministry of Health, Welfare and Sport is providing the financial support. Genetic screening has social implications and raises questions on insurability. The Dutch Medical Examination Act prohibits insurers from posing questions about untreatable, serious inheritable conditions for insured sums under a certain value: for life-insurance policies < [symbol: see text] 150,000 and for disability-cover policies < [symbol: see text] 30,000 in the 1st year and < [symbol: see text] 20,000 in the 2nd year and following years. The Health Council of the Netherlands has defined FH as a serious disease, but one which responds well to treatment. Therefore insurers can request information for the purpose of an accurate risk classification. Insurance contracts can be accepted at normal rates if the target value of LDL-cholesterol < 4 mmol/l and additional risk factors such as smoking and an abnormal BMI are absent; the risk is determined by the phenotype and clinical factors and not by the genotype.

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

    PubMed

    Iezzoni, L I; Ngo, L

    2007-05-01

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

  3. 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…

  4. 26 CFR 1.803-1 - Life insurance reserves.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... estimated on the basis of recognized mortality or morbidity tables and assumed rates of interest. (b) In the.... (e) In the case of life insurance companies issuing policies covering life, health, and accident... subject to cancellation, it is required that reserve funds thereon be based upon recognized mortality...

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

    PubMed

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

    2015-06-01

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

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

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    .... Insurers must be listed in Best's Life-Health Insurance Reports and be assigned a rating of B+ (Very Good... 32 National Defense 1 2014-07-01 2014-07-01 false Overseas Life Insurance Registration Program B... Part 50—Overseas Life Insurance Registration Program A. Registration Criteria 1. Initial Registration...

  7. 38 CFR 6.3 - Incontestability of United States Government life insurance.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... 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...

  8. 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...

  9. 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...

  10. 32 CFR Appendix B to Part 50 - Overseas Life Insurance Registration Program

    Code of Federal Regulations, 2011 CFR

    2011-07-01

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

  11. 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... Insurance Company (``Symetra''), First Symetra National Life Insurance Company of New York (``First Symetra... Commission, 100 F Street NE., Washington, DC 20549-1090; Applicants: Symetra Life Insurance Company,...

  12. 38 CFR 6.3 - Incontestability of United States Government life insurance.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 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...

  13. 77 FR 73700 - Mutual of America Life Insurance Company, et al;

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-12-11

    ... COMMISSION Mutual of America Life Insurance Company, et al; Notice of Application December 5, 2012. AGENCY... the Act from Section 17(a) of the Act. APPLICANTS: Mutual of America Life Insurance Company (``Mutual... America Life Insurance Company, the ``Insurance Companies''), Mutual of America Separate Account No....

  14. 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...

  15. 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... 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 Government Life Insurance, (USGLI)), VA Form...

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

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 26 Internal Revenue 7 2010-04-01 2010-04-01 true Mutual savings banks conducting life insurance... savings banks conducting life insurance business. (a) Scope of application. Section 594 applies to the... insurance business, if: (1) The conduct of the life insurance business is authorized under State law,...

  17. 32 CFR Appendix B to Part 50 - Overseas Life Insurance Registration Program

    Code of Federal Regulations, 2010 CFR

    2010-07-01

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

  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. 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

    ... 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 1... (CONTINUED) INCOME TAXES Mutual Insurance Companies (other Than Life and Certain Marine Insurance...

  20. 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

    ... 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 1... (CONTINUED) INCOME TAXES Mutual Insurance Companies (other Than Life and Certain Marine Insurance...

  1. 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...

  2. 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...

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

    PubMed

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

    2004-01-01

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

  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..., and ending after August 16, 1954, section 802(b) imposes a tax on the 1954 life insurance...

  5. 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..., and ending after August 16, 1954, section 802(b) imposes a tax on the 1954 life insurance...

  6. 26 CFR 1.802(b)-1 - Tax on life insurance companies.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

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

  7. 76 FR 33003 - TIAA-CREF Life Insurance Company, et al.

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-06-07

    ... COMMISSION TIAA-CREF Life Insurance Company, et al. June 1, 2011. AGENCY: Securities and Exchange Commission... 1940, as amended (the ``1940 Act''). Applicants: TIAA-CREF Life Insurance Company (``TC LIFE''), TIAA... ``Replacement Portfolio'') under certain variable life insurance policies and variable annuity contracts...

  8. 76 FR 35249 - Allianz Life Insurance Company of North America, et al; Notice of Application

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-06-16

    ... COMMISSION Allianz Life Insurance Company of North America, et al; Notice of Application June 10, 2011... Section 17(b) of the Act from Section 17(a) of the Act. Applicants: Allianz Life Insurance Company of North America (``Allianz Life'') and Allianz Life Insurance Company of New York (``Allianz...

  9. 78 FR 62716 - Pacific Life Insurance Company, et al; Notice of Application

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-10-22

    ... COMMISSION Pacific Life Insurance Company, et al; Notice of Application October 17, 2013. AGENCY: Securities... 1940, as amended (the ``1940 Act''). Applicants: Pacific Life Insurance Company (``Pacific Life... Street NE., Washington, DC 20549-1090. Applicants: Pacific Life Insurance Company, Separate Account A...

  10. 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... Insurance Company (``Pacific Life''), Pacific Life & Annuity Company (``PL&A,'' and collectively with Pacific Life and any insurance company controlling, controlled by, or under common control with...

  11. 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 20.2042-1 Internal Revenue INTERNAL REVENUE SERVICE, DEPARTMENT OF THE TREASURY (CONTINUED) ESTATE AND GIFT TAXES ESTATE TAX; ESTATES OF DECEDENTS DYING AFTER AUGUST 16, 1954 Gross Estate §...

  12. 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 20.2042-1 Internal Revenue INTERNAL REVENUE SERVICE, DEPARTMENT OF THE TREASURY (CONTINUED) ESTATE AND GIFT TAXES ESTATE TAX; ESTATES OF DECEDENTS DYING AFTER AUGUST 16, 1954 Gross Estate §...

  13. 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 20.2042-1 Internal Revenue INTERNAL REVENUE SERVICE, DEPARTMENT OF THE TREASURY (CONTINUED) ESTATE AND GIFT TAXES ESTATE TAX; ESTATES OF DECEDENTS DYING AFTER AUGUST 16, 1954 Gross Estate §...

  14. 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 20.2042-1 Internal Revenue INTERNAL REVENUE SERVICE, DEPARTMENT OF THE TREASURY (CONTINUED) ESTATE AND GIFT TAXES ESTATE TAX; ESTATES OF DECEDENTS DYING AFTER AUGUST 16, 1954 Gross Estate §...

  15. 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…

  16. 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'.

  17. Time Dependent Relative Risks in Life Insurance Medical Underwriting.

    PubMed

    Kneepkens, Robert F

    2015-01-01

    Introduction .- Life insurance medicine focuses on mortality hazards in specified periods. People are free to insure their lives for shorter or longer terms. Because the chosen terms range from 1 year to a life time, life insurers have to take into account the fact that the predictive value of risk indicators can and will change over time. The time a risk indicator keeps its predictive value, will be dependent on its biological effects, volatility, and treatability. For a given applicant this implies that the relative hazard (RH) calculated for his/her medical condition should be dependent on the term of the insurance. The main objective of this study is to determine if some commonly used risk indicators - previously used to study age dependency of relative risks - have a predictive value that increases with the observation period. (1) Methods .- This population-based cohort study uses NHANES-data files from the Third National Health and Nutrition Examination Survey (NHANES III) and the NHANES Linked Mortality Files 2010. Only participants aged 20 to 69 that were examined in mobile examination centers, without a history of some prevalent high risk diseases were included. The observed mortality was compared to the expected mortality in a Generalized Linear Model (GLM) with Poisson error structure with two reference populations, which both can serve as preferred reference for life insurers: The United States Life Tables 2008 (USLT) and the 2008 Valuation Basic Tables (VBT) based on the insured population of 35 US Life insurers. The time dependency of the RHs of the systolic blood pressure (SBP), aspartate aminotransferase (ASAT), lactate dehydrogenase (LDH), serum albumin and albuminuria, was assessed, with correction for ethnicity, household income, history of diabetes mellitus, BMI and serum cholesterol. To be able to compare the results with the results of the Age Dependency Study (ADS), the same data, risk indicators, statistical analysis method, and the

  18. Time Dependent Relative Risks in Life Insurance Medical Underwriting.

    PubMed

    Kneepkens, Robert F

    2015-01-01

    Introduction .- Life insurance medicine focuses on mortality hazards in specified periods. People are free to insure their lives for shorter or longer terms. Because the chosen terms range from 1 year to a life time, life insurers have to take into account the fact that the predictive value of risk indicators can and will change over time. The time a risk indicator keeps its predictive value, will be dependent on its biological effects, volatility, and treatability. For a given applicant this implies that the relative hazard (RH) calculated for his/her medical condition should be dependent on the term of the insurance. The main objective of this study is to determine if some commonly used risk indicators - previously used to study age dependency of relative risks - have a predictive value that increases with the observation period. (1) Methods .- This population-based cohort study uses NHANES-data files from the Third National Health and Nutrition Examination Survey (NHANES III) and the NHANES Linked Mortality Files 2010. Only participants aged 20 to 69 that were examined in mobile examination centers, without a history of some prevalent high risk diseases were included. The observed mortality was compared to the expected mortality in a Generalized Linear Model (GLM) with Poisson error structure with two reference populations, which both can serve as preferred reference for life insurers: The United States Life Tables 2008 (USLT) and the 2008 Valuation Basic Tables (VBT) based on the insured population of 35 US Life insurers. The time dependency of the RHs of the systolic blood pressure (SBP), aspartate aminotransferase (ASAT), lactate dehydrogenase (LDH), serum albumin and albuminuria, was assessed, with correction for ethnicity, household income, history of diabetes mellitus, BMI and serum cholesterol. To be able to compare the results with the results of the Age Dependency Study (ADS), the same data, risk indicators, statistical analysis method, and the

  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. 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…

  1. 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

    ... 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...

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

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... 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...

  4. 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...

  5. 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

    ... 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...

  6. 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

    ... 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...

  7. 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....

  8. 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... the following examples: Example 1. X qualified as a life insurance company in 1949. Y qualified as...

  9. 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... the following examples: Example 1. X qualified as a life insurance company in 1949. Y qualified as...

  10. 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....

  11. 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... the following examples: Example 1. X qualified as a life insurance company in 1949. Y qualified as...

  12. 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....

  13. 26 CFR 1.79-1 - Group-term life insurance-general rules.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... cost of benefits other than term life insurance. Thus, if an employee could receive term life insurance by contributing to its cost, the employee is taken into account in determining whether the insurance.... However, an employee who must contribute to the cost of permanent benefits to obtain term life...

  14. 26 CFR 1.79-1 - Group-term life insurance-general rules.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... cost of benefits other than term life insurance. Thus, if an employee could receive term life insurance by contributing to its cost, the employee is taken into account in determining whether the insurance.... However, an employee who must contribute to the cost of permanent benefits to obtain term life...

  15. 26 CFR 1.381(c)(22)-1 - Successor life insurance company.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

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

  16. 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...

  17. 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....

  18. 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 §...

  19. 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...

  20. 26 CFR 1.72-16 - Life insurance contracts purchased under qualified employee plans.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 26 Internal Revenue 2 2010-04-01 2010-04-01 false Life insurance contracts purchased under... in Gross Income § 1.72-16 Life insurance contracts purchased under qualified employee plans. (a... pension, annuity, or profit-sharing plans for the purchase of life insurance contracts and rules for...

  1. 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... Life Insurance policy. DATES: Written comments and recommendations on the proposed collection of... use of other forms of information technology. Titles a. Notice of Lapse--Government Life Insurance,...

  2. 26 CFR 1.804-3 - Gross investment income 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 Gross investment income of a life insurance... the Code, section 804(b) defines the term gross investment income of a life insurance company as the... which the life insurance company may derive interest, rents, or royalties. (v) The alteration...

  3. 26 CFR 1. 6039I-1 - Reporting of certain employer-owned life insurance contracts.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... Reporting of certain employer-owned life insurance contracts. (a) Requirement to report. Section 6039I requires every taxpayer that is an applicable policyholder owning one or more employer-owned life insurance...-owned life insurance contracts issued after August 17, 2006, must provide the information required...

  4. 78 FR 47017 - Submission for Review: Designation of Beneficiary: Federal Employees' Group Life Insurance, SF 2823

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-08-02

    ... MANAGEMENT Submission for Review: Designation of Beneficiary: Federal Employees' Group Life Insurance, SF..., Designation of Beneficiary: Federal Employees' Group Life Insurance, SF 2823. As required by the Paperwork... or retiree covered by the Federal Employees' Group Life Insurance (FEGLI) Program, or an assignee...

  5. 31 CFR 500.526 - Transactions involving blocked life insurance policies.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... blocked life insurance policies. (a) The following transactions are hereby authorized: (1) The payment of premiums and interest on policy loans with respect to any blocked life insurance policy; (2) The issuance, servicing or transfer of any blocked life insurance policy in which the only blocked interest is that of...

  6. 78 FR 24249 - Lincoln National Life Insurance Company, et al; Notice of Application

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-04-24

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

  7. 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...) INCOME TAX (CONTINUED) INCOME TAXES Investment Income § 1.804-4 Investment yield of a life insurance... deduction of investment expenses by a life insurance company in determining investment yield....

  8. 75 FR 75708 - American United Life Insurance Company, et al.; Notice of Application

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-12-06

    ... COMMISSION American United Life Insurance Company, et al.; Notice of Application November 30, 2010. AGENCY... securities. Applicants: American United Life Insurance Company (``AUL''), AUL American Unit Trust (``AUL.... Applicants: c/o Richard M. Ellery, Esq., American United Life Insurance Company, One American...

  9. 75 FR 56664 - Proposed Information Collection (Claim for One Sum Payment (Government Life Insurance)); Comment...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-09-16

    ... AFFAIRS Proposed Information Collection (Claim for One Sum Payment (Government Life Insurance)); Comment.... Claim 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...

  10. 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...'s coverage through an assignment or ``transfer'' of the ownership of the life insurance)....

  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...) INCOME TAX (CONTINUED) INCOME TAXES Insolvency Reorganizations § 1.381(c)(22)-1 Successor life insurance... the following examples: Example 1. X qualified as a life insurance company in 1949. Y qualified as...

  12. 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... solicits comments for information needed to decline Veterans Mortgage Life Insurance. DATES: Written...: Veterans Mortgage Life Insurance Statement, VA Form 29-8636. OMB Control Number: 2900-0212. Type of...

  13. 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)...

  14. 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... Jackson National Life Insurance Company of New York, 1 Corporate Way, Lansing, Michigan 48951,...

  15. 26 CFR 1.264-2 - Single premium 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 Single premium life insurance, endowment, or..., directly or indirectly, to purchase or to continue in effect a single premium life insurance or endowment... payee of such annuity contract. A contract is considered a single premium life insurance, endowment,...

  16. 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...

  17. 78 FR 8601 - AXA Equitable Life Insurance Company, et al; Notice of Application

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-02-06

    ... COMMISSION AXA Equitable Life Insurance Company, et al; Notice of Application January 31, 2013. AGENCY... the Act from Section 17(a) of the Act. Applicants: AXA Equitable Life Insurance Company (``AXA... Equitable Life Insurance Company, 1290 Avenue of Americas, New York, New York 10104; Patricia Louie,...

  18. 78 FR 18424 - Proposed Information Collection (Claim for One Sum Payment (Government Life Insurance)); Comment...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-03-26

    ... AFFAIRS Proposed Information Collection (Claim for One Sum Payment (Government Life Insurance)); Comment.... Claim 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...

  19. 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....

  20. 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...

  1. 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...

  2. 78 FR 53175 - The Northwestern Mutual Life Insurance Company, et al.;

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-08-28

    ... COMMISSION The Northwestern Mutual Life Insurance Company, et al.; Notice of Application Agency: Securities... Section 17(b) of the Act from Section 17(a) of the Act. Applicants: The Northwestern Mutual Life Insurance...''), under each of the variable annuity contracts and variable life insurance policies issued by the...

  3. 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)...

  4. 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...

  5. 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

    ... AFFAIRS Agency Information Collection (Veterans Mortgage Life Insurance Statement) Activity Under OMB....'' SUPPLEMENTARY INFORMATION: Title: Veterans Mortgage Life Insurance Statement, VA Form 29-8636. OMB Control... complete VA Form 29-8636 to decline Veterans Mortgage Life Insurance (VMLI) or to provide information...

  6. 26 CFR 1.381(d)-1 - Operations loss carryovers of life insurance companies.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 26 Internal Revenue 4 2010-04-01 2010-04-01 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 §...

  7. 75 FR 39589 - Nationwide Life Insurance Company,et al.; Notice of Application

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-07-09

    ... COMMISSION Nationwide Life Insurance Company, et al.; Notice of Application July 2, 2010. AGENCY: The... thereunder. Applicants: Nationwide Life Insurance Company (``NWL''); Nationwide Variable Account-II (the... life insurance company organized under the laws of the State of Ohio.\\1\\ NWL offers traditional...

  8. 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...

  9. 75 FR 68040 - Proposed Information Collection (Veterans Mortgage Life Insurance Statement) Activity: Comment...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-11-04

    ... AFFAIRS Proposed Information Collection (Veterans Mortgage Life Insurance Statement) Activity: Comment... solicits comments for information needed to decline Veterans Mortgage Life Insurance. DATES: Written...: Veterans Mortgage Life Insurance Statement, VA Form 29-8636. OMB Control Number: 2900-0212. Type of...

  10. 31 CFR 515.526 - Transactions involving blocked life insurance policies.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... blocked life insurance policies. (a) The following transactions are hereby authorized: (1) The payment of premiums and interest on policy loans with respect to any blocked life insurance policy; (2) The issuance, servicing or transfer of any blocked life insurance policy in which the only blocked interest is that of...

  11. 77 FR 32397 - Servicemembers' Group Life Insurance Traumatic Injury Protection Program-Genitourinary Losses

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-06-01

    ... AFFAIRS 38 CFR Part 9 RIN 2900-AO20 Servicemembers' Group Life Insurance Traumatic Injury Protection... Servicemembers' Group Life Insurance Traumatic Injury Protection (TSGLI) program by adding certain genitourinary... Servicemembers' Group Life Insurance Traumatic Injury Protection (TSGLI) program to add certain genitourinary...

  12. 26 CFR 1.802-3 - Tax imposed on life insurance companies.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ...) imposes a tax on the life insurance company taxable income (as defined in section 802(b) and paragraph (a... net long-term capital gain (as defined in section 1222(7)) of any life insurance company exceeds its... the net long-term capital gain (as defined in section 1222(7)) of any life insurance company...

  13. 26 CFR 1.802-3 - Tax imposed on life insurance companies.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ...) imposes a tax on the life insurance company taxable income (as defined in section 802(b) and paragraph (a... net long-term capital gain (as defined in section 1222(7)) of any life insurance company exceeds its... the net long-term capital gain (as defined in section 1222(7)) of any life insurance company...

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

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ...) imposes a tax on the life insurance company taxable income (as defined in section 802(b) and paragraph (a... net long-term capital gain (as defined in section 1222(7)) of any life insurance company exceeds its... the net long-term capital gain (as defined in section 1222(7)) of any life insurance company...

  15. 26 CFR 1.61-22 - Taxation of split-dollar life insurance arrangements.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... life insurance arrangement (as defined in paragraph (b) of this section) is subject to the rules of...) Overview. Paragraph (b) of this section defines a split-dollar life insurance arrangement and provides... the non-owner (as defined in paragraph (c)(2)(i) of this section) of a life insurance contract that...

  16. 26 CFR 1.61-22 - Taxation of split-dollar life insurance arrangements.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... life insurance arrangement (as defined in paragraph (b) of this section) is subject to the rules of...) Overview. Paragraph (b) of this section defines a split-dollar life insurance arrangement and provides... the non-owner (as defined in paragraph (c)(2)(i) of this section) of a life insurance contract that...

  17. 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.

  18. 2014 CRL Blood Pressure Study of Life Insurance Applicants.

    PubMed

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

    2015-01-01

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

  19. 2014 CRL Blood Pressure Study of Life Insurance Applicants.

    PubMed

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

    2015-01-01

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

  20. 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...

  1. 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.

  2. 26 CFR 1.79-0 - Group-term life insurance-definitions of certain terms.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... part of the cost of the life insurance directly or through another person; or (b) The employer or two or more employers arrange for payment of the cost of the life insurance by their employees and charge at least one employee less than the cost of his or her insurance, as determined under Table I of §...

  3. 26 CFR 1.79-0 - Group-term life insurance-definitions of certain terms.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... part of the cost of the life insurance directly or through another person; or (b) The employer or two or more employers arrange for payment of the cost of the life insurance by their employees and charge at least one employee less than the cost of his or her insurance, as determined under Table I of §...

  4. 26 CFR 1.802(b)-1 - Tax on life insurance companies.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... life insurance business within the United States if with respect to its United States business it would... life insurance companies not carrying on an insurance business within the United States are not taxable... capital gains and losses, nor to the provisions of section 171 (amortizable bond premium). (c)...

  5. 78 FR 46420 - Proposed Information Collection (Application for Conversion (Government Life Insurance)) Activity...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-07-31

    ... 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. Type... solicits comments for information needed to convert to a permanent plan of insurance. DATES:...

  6. 18 CFR 367.4262 - Account 426.2, Life insurance.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... insurance. This account must include all payments for life insurance of officers and employees where the... 18 Conservation of Power and Water Resources 1 2010-04-01 2010-04-01 false Account 426.2, Life insurance. 367.4262 Section 367.4262 Conservation of Power and Water Resources FEDERAL ENERGY...

  7. 75 FR 68036 - Proposed Information Collection (Application for Conversion (Government Life Insurance)) Activity...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-11-04

    ... 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. Type... solicits comments for information needed to convert to a permanent plan of insurance. DATES:...

  8. 17 CFR 270.6e-2 - Exemptions for certain variable life insurance separate accounts.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... a life insurance company pursuant to the insurance laws or code of (i) any state or territory of the... extent necessary with Rule 7d-1 (17 CFR 270.7d-1) under the Act; (2) The assets of the separate account are derived solely from the sale of variable life insurance contracts as defined in paragraph...

  9. 26 CFR 1.7702-2 - Attained age of the insured under a life insurance contract.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... age of the insured is determined by applying paragraph (b) of this section as if the youngest... insureds, the youngest surviving insured shall thereafter be treated as the only insured under the contract... determined by applying § 1.7702-2(b) as if the youngest individual were the only insured under the...

  10. 26 CFR 1.7702-2 - Attained age of the insured under a life insurance contract.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... age of the insured is determined by applying paragraph (b) of this section as if the youngest... insureds, the youngest surviving insured shall thereafter be treated as the only insured under the contract... determined by applying § 1.7702-2(b) as if the youngest individual were the only insured under the...

  11. 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...

  12. 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...

  13. 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...

  14. 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...

  15. 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...

  16. [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)

  17. Life insurance and breast cancer risk assessment: adverse selection, genetic testing decisions, and discrimination.

    PubMed

    Armstrong, Katrina; Weber, Barbara; FitzGerald, Genevieve; Hershey, John C; Pauly, Mark V; Lemaire, Jean; Subramanian, Krupa; Asch, David A

    2003-07-30

    Life insurance industry access to genetic information is controversial. Consumer groups argue that access will increase discrimination in life insurance premiums and discourage individuals from undergoing genetic testing that may provide health benefits. Conversely, life insurers argue that without access to risk information available to individuals, they face substantial financial risk from adverse selection. Given this controversy, we conducted a retrospective cohort study to evaluate the impact of breast cancer risk information on life insurance purchasing, the impact of concerns about life insurance discrimination on use of BRCA1/2 testing, and the incidence of life insurance discrimination following participation in breast cancer risk assessment and BRCA1/2 testing. Study participants were 636 women who participated in genetic counseling and/or genetic testing at a University based clinic offering breast cancer risk assessment, genetic counseling, and BRCA1/2 testing between January 1995 and May 2000. Twenty-seven women (4%) had increased and six (1%) had decreased their life insurance since participation in breast cancer risk assessment. The decision to increase life insurance coverage was associated with predicted breast cancer risk (adjusted OR 1.03 for each 1% absolute increase in risk, 95% CI 1.01-1.10) and being found to carry a mutation in BRCA1/2 (OR 5.10, 95% CI 1.90-13.66). Concern about life insurance discrimination was inversely associated with the decision to undergo BRCA1/2 testing (RR 0.67, 95% CI 0.52-0.85). No respondent reported having life insurance denied or canceled. In this cohort of women, these results indicate that information about increased breast cancer risk is associated with increase in life insurance purchasing, raising the possibility of adverse selection. Although fear of insurance discrimination is associated with the decision not to undergo BRCA1/2 testing, there was no evidence of actual insurance discrimination from BRCA1

  18. Life insurance and inflammatory bowel disease: is there discrimination against patients?

    PubMed

    Moody, G A; Mayberry, J F

    1996-01-01

    medical examination (36%) or a report from their GP (41%) before being accepted for a policy. 39% of patients had received an additional loading on their policies because of IBD including two patients who had been turned down altogether. In conclusion patients with IBD are clearly discriminated against by insurance companies. Life tables should be amended to take account of the low mortality recognised in recent years. Patients should be aware of the difficulties that currently exist.

  19. 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

    ... 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 on... charged by the insurer. (d) The cost of the portion of the group-term life insurance on an employee's...

  20. 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

    ... 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 on... charged by the insurer. (d) The cost of the portion of the group-term life insurance on an employee's...

  1. 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)...

  2. 26 CFR 1.804-4 - Investment yield of a life insurance company.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

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

  3. 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...) 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...

  4. 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...

  5. 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...

  6. 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...

  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, 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...

  9. 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...

  10. 26 CFR 1.61-22 - Taxation of split-dollar life insurance arrangements.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... value exceeding the amount payable to R. To fund the arrangement, R purchases a life insurance contract... makes no premium payments. The examples are as follows: Example 1. (i) In year 1, R purchases a life..., Employer R and Trust T, an irrevocable life insurance trust that is not treated under sections 671...

  11. 26 CFR 1.61-22 - Taxation of split-dollar life insurance arrangements.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... value exceeding the amount payable to R. To fund the arrangement, R purchases a life insurance contract... makes no premium payments. The examples are as follows: Example 1. (i) In year 1, R purchases a life..., Employer R and Trust T, an irrevocable life insurance trust that is not treated under sections 671...

  12. 26 CFR 1.79-0 - Group-term life insurance-definitions of certain terms.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

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

  13. 77 FR 71687 - Federal Employees' Group Life Insurance Program: Court Orders Prior to July 22, 1998

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-12-04

    ... RIN 3206-AM67 Federal Employees' Group Life Insurance Program: Court Orders Prior to July 22, 1998... the court order expressly provides that an individual receive Federal Employee's Group Life Insurance... Administrative practice and procedure, Government employees, Hostages, Iraq, Kuwait, Lebanon, Life...

  14. 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...

  15. '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?

  16. 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.

  17. 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.

  18. 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...

  19. 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...

  20. 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...

  1. 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...

  2. 17 CFR 270.6c-3 - Exemptions for certain registered variable life insurance separate accounts.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... registered variable life insurance separate accounts. 270.6c-3 Section 270.6c-3 Commodity and Securities... 1940 § 270.6c-3 Exemptions for certain registered variable life insurance separate accounts. A separate account which meets the requirements of paragraph (a) of Rule 6e-2 (17 CFR 270.6e-2) or paragraph (a)...

  3. 76 FR 2756 - Agency Information Collection (Application for Conversion) (Government Life Insurance) Activity...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-01-14

    ... AFFAIRS Agency Information Collection (Application for Conversion) (Government Life Insurance) Activity... No. 2900-0149.'' SUPPLEMENTARY INFORMATION: Title: Application for Conversion (Government Life Insurance), VA Form 29-0152. OMB Control Number: 2900-0149. Type of Review: Extension of a...

  4. 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...

  5. 17 CFR 270.6e-2 - Exemptions for certain variable life insurance separate accounts.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... extent necessary with Rule 7d-1 (17 CFR 270.7d-1) under the Act; (2) The assets of the separate account... 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...

  6. 17 CFR 270.6e-2 - Exemptions for certain variable life insurance separate accounts.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... extent necessary with Rule 7d-1 (17 CFR 270.7d-1) under the Act; (2) The assets of the separate account... 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...

  7. 17 CFR 270.6e-2 - Exemptions for certain variable life insurance separate accounts.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... extent necessary with Rule 7d-1 (17 CFR 270.7d-1) under the Act; (2) The assets of the separate account... 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...

  8. 17 CFR 270.6e-2 - Exemptions for certain variable life insurance separate accounts.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... extent necessary with Rule 7d-1 (17 CFR 270.7d-1) under the Act; (2) The assets of the separate account... 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...

  9. 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 insurance company. (a) Investment yield defined. Section 804(c) defines the term “investment yield” of...

  10. Health, life and disability insurance and hereditary risk for breast or colorectal cancer.

    PubMed

    Norum, J; Tranebjaerg, L

    2000-01-01

    Fear of insurance discrimination affecting the insurance-seeker and family has been reported as the singlemost important reason why individuals choose not to undergo genetic testing. The eleven health insurers operating on the Norwegian market were mailed a questionnaire asking them to list their insurance products and evaluate two individuals' requests for insurance. The requests were constructed in order to illustrate a high genetic risk for (a) colorectal (HNPCC) and (b) breast cancer (BRCAI/BRCA2), respectively. Nine out of 11 insurers responded. While no restriction was documented concerning risk of BRCA1/BRCA2 and life insurance or disability pension, the premium paid by persons with susceptibility to HNPCC varied between the different insurers from standard to raised premiums. The product 'critical disease' insurance was refused or obtained at normal or raised premiums in both cases, depending on the insurer in question. On examining personal indemnity insurance, we found that the BRCA1/BRCA2-risk individual was offered insurance at the standard premium, whereas HNPCC-risk individuals were offered a standard or raised premium. Only the major Norwegian insurer is in fact diverging in its policies.

  11. Quality of life and changes in health insurance in long-term home care.

    PubMed

    Gaskamp, Carol D

    2004-01-01

    Changes in health insurance and concomitant changes in quality of life in patients receiving long-term home parenteral nutrition care were explored. A decrease in quality of life and increase in depression were significantly associated with a change of insurance providers. Knowing the importance of health insurance as a family economic resource, nurses working in these settings may be alert for potential socio-emotional problems when health insurance providers change or coverage is less. Policymakers also have an opportunity to ease the financial burden of long-term disease management by expanding coverage for prescription drugs in Medicare benefits.

  12. 26 CFR 20.2056(b)-6 - Marital deduction; life insurance or annuity payments with power of appointment in surviving spouse.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 26 Internal Revenue 14 2010-04-01 2010-04-01 false Marital deduction; life insurance or annuity... consists of proceeds held by an insurer under the terms of a life insurance, endowment, or annuity contract... policy of insurance upon the decedent's life, a policy of insurance upon the life of a person...

  13. 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. PMID:25122940

  14. 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.

  15. 26 CFR 1.61-10 - Alimony and separate maintenance payments; annuities; income from life insurance and endowment...

    Code of Federal Regulations, 2011 CFR

    2011-04-01

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

  16. 26 CFR 1.61-10 - Alimony and separate maintenance payments; annuities; income from life insurance and endowment...

    Code of Federal Regulations, 2012 CFR

    2012-04-01

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

  17. 26 CFR 1.61-10 - Alimony and separate maintenance payments; annuities; income from life insurance and endowment...

    Code of Federal Regulations, 2013 CFR

    2013-04-01

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

  18. 26 CFR 1.101-7 - Mortality table used to determine exclusion for deferred payments of life insurance proceeds.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 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 that... principles of this section may be illustrated by the following examples: Example 1. A life insurance...

  19. 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...

  20. 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

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

  1. 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

    ... 26 Internal Revenue 2 2010-04-01 2010-04-01 false Payment of life insurance proceeds at a date... Income § 1.101-4 Payment of life insurance proceeds at a date later than death. (a) In general. (1)(i... those to which section 101(c) applies) received under a life insurance contract and paid by reason...

  2. 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

    ... 26 Internal Revenue 3 2010-04-01 2010-04-01 false Premiums on life insurance taken out in a trade... taxpayer on a life insurance policy are not deductible from the taxpayer's gross income, even though they would otherwise be deductible as trade or business expenses, if they are paid on a life insurance...

  3. 26 CFR 1.61-10 - Alimony and separate maintenance payments; annuities; income from life insurance and endowment...

    Code of Federal Regulations, 2010 CFR

    2010-04-01

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

  4. 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

    ...-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...

  5. 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)

  6. 38 CFR 8.12 - Payment of the cash value of National Service Life Insurance in monthly installments under...

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ... 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...

  7. 38 CFR 8.12 - Payment of the cash value of National Service Life Insurance in monthly installments under...

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ... 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...

  8. 38 CFR 8.12 - Payment of the cash value of National Service Life Insurance in monthly installments under...

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ... 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...

  9. 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...

  10. 26 CFR 1.79-3 - Determination of amount equal to cost of group-term life insurance.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ...-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...

  11. 26 CFR 1.79-3 - Determination of amount equal to cost of group-term life insurance.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ...-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...

  12. 41 CFR 60-300.25 - Health insurance, life insurance and other benefit plans.

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ... insurance or subject a qualified disabled veteran to different terms or conditions of insurance based on... medical service company, health maintenance organization, or any agent or entity that administers benefit... based on or not inconsistent with state law. (b) The contractor may establish, sponsor, observe...

  13. 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,…

  14. 77 FR 4734 - Servicemembers' Group Life Insurance-Stillborn Child Coverage

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-01-31

    .... 74 FR 59479. Our research has determined that the law of the 50 States is silent as to which parent... AFFAIRS 38 CFR Part 9 RIN 2900-AO30 Servicemembers' Group Life Insurance--Stillborn Child Coverage AGENCY... a stillborn child is otherwise eligible to be insured by the SGLI coverage of more than one...

  15. Mathematics of Life Insurance Study Aid Development and Evaluation in a Nontraditional Setting.

    ERIC Educational Resources Information Center

    Rahmlow, Harold F.

    A mode of operation that is currently being utilized for research and development activities in a nontraditional college environment is presented. The program described is in the content area of mathematics of life insurance. The students for whom the materials were developed are adults in insurance and related professions who are engaged in…

  16. Who's Holding the Bag? Are You Named as "An Additional Insured"?

    ERIC Educational Resources Information Center

    Slutzky, Lorence H.

    1994-01-01

    Casual use of school or college property exposes the district to significant liability. To protect itself from the financial exposure of an insolvent contractor or tenant, the school district should be added as an "additional insured" to any contracts the district holds with a tenant or contractor. (MLF)

  17. 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…

  18. 78 FR 77366 - Federal Employee Dental and Vision Insurance Program; Qualifying Life Event Amendments

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-12-23

    ... MANAGEMENT 5 CFR Part 894 RIN 3206-AM57 Federal Employee Dental and Vision Insurance Program; Qualifying Life... 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. * * * * *...

  19. 26 CFR 1.804-3 - Gross investment income of a life insurance company.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... income of a life insurance company. (a) Gross investment income defined. For purposes of part I, subchapter L, chapter 1 of the Code, section 804(b) defines the term gross investment income of a life... 26 Internal Revenue 8 2013-04-01 2013-04-01 false Gross investment income of a life...

  20. 26 CFR 1.804-3 - Gross investment income of a life insurance company.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... income of a life insurance company. (a) Gross investment income defined. For purposes of part I, subchapter L, chapter 1 of the Code, section 804(b) defines the term gross investment income of a life... 26 Internal Revenue 8 2011-04-01 2011-04-01 false Gross investment income of a life...

  1. 26 CFR 1.804-3 - Gross investment income of a life insurance company.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... income of a life insurance company. (a) Gross investment income defined. For purposes of part I, subchapter L, chapter 1 of the Code, section 804(b) defines the term gross investment income of a life... 26 Internal Revenue 8 2014-04-01 2014-04-01 false Gross investment income of a life...

  2. Paying for College With Student Life Insurance. A New Approach to Financing a College Education. Financial Aid Reports

    ERIC Educational Resources Information Center

    Jefferson, Joseph; Moulton, Walter H.

    1974-01-01

    Proposes a national student group life insurance program be established under federal auspices. The insurance coverage would vary with the cost of the college attended and with the student's need for assistance. (Author/PG)

  3. 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...) Full-time life insurance salesman. A full-time life insurance salesman's main activity is selling...

  4. SCREENING LIFE CYCLE ASSESSMENT OF GASOLINE ADDITIVES

    EPA Science Inventory

    The EPA's ORD is conducting a screening of Life Cycle Assessment (LCA) of selected automotive fuel (i.e., gasoline) systems. Although no specific guidelines exist on how to conduct such a streamlined approach, the basic idea is to use a mix of qualitative and quantitative generi...

  5. 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

  6. 41 CFR 60-300.25 - Health insurance, life insurance and other benefit plans.

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ... qualified disabled veteran to different terms or conditions of insurance based on disability alone, if the... maintenance organization, or any agent or entity that administers benefit plans, or similar organizations may underwrite risks, classify risks, or administer such risks that are based on or not inconsistent with...

  7. 41 CFR 60-250.25 - Health insurance, life insurance and other benefit plans.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... subject a qualified special disabled veteran to different terms or conditions of insurance based on... maintenance organization, or any agent or entity that administers benefit plans, or similar organizations may underwrite risks, classify risks, or administer such risks that are based on or not inconsistent with...

  8. 41 CFR 60-250.25 - Health insurance, life insurance and other benefit plans.

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ... subject a qualified special disabled veteran to different terms or conditions of insurance based on... maintenance organization, or any agent or entity that administers benefit plans, or similar organizations may underwrite risks, classify risks, or administer such risks that are based on or not inconsistent with...

  9. 41 CFR 60-300.25 - Health insurance, life insurance and other benefit plans.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... qualified disabled veteran to different terms or conditions of insurance based on disability alone, if the... maintenance organization, or any agent or entity that administers benefit plans, or similar organizations may underwrite risks, classify risks, or administer such risks that are based on or not inconsistent with...

  10. 26 CFR 1.7702-2 - Attained age of the insured under a life insurance contract.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... individual's actual birthday as of the date of determination (actual age); or (ii) The insured's age determined by reference to contract anniversary (rather than the individual's actual birthday), so long as... age-last-birthday basis. Based on the method used by IC to determine age, X has an attained age of...

  11. 2014 CRL Build Study of Life Insurance Applicants.

    PubMed

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

    2016-01-01

    Objective .- Determine the impact of build on insurance applicant mortality accounting for smoking, laboratory test values and blood pressure. Method .- The study consisted of 2,051,370 applicants tested at Clinical Reference Laboratory between 1993 and 2007 with build and cotinine measurements available whose body mass index (BMI) was between 15 and 47. Vital status was determined as of September, 2011 by the Social Security Death Master File. Excluded from the primary study were applicants with HbA1c values ≥6.5%, systolic BP ≥141 mmHg, albumin values ≤3.3 g/dL or total cholesterol values ≤130 mg/dL. Relative mortality was determined by Cox regression analysis for bands of BMI split by age, sex and smoking status (urine cotinine positive). Results .- A majority of applicants had BMI >24 (overweight or obese by WHO criteria). After the exclusions noted above, relative mortality does not increase by >34% unless BMI is <20 (<18 for female non-smokers age 18 to 59) or BMI is >34. BMI values in the range of 22 to 24 and 25 to 29, overall, had similar and the lowest relative risks. For most nonsmokers, risk was lowest in the lower of these two BMI bands but for smokers (and non-smoking males age 60 to 89) risk was lowest in the higher BMI band. Additional analysis showed limited reduction in relative risk by accounting for all laboratory test values as well as continuing the exclusions. Eliminating the exclusions resulted in only a modest increase in relative risk because the mortality rate of the reference band increased as well. Conclusion .- After excluding elevated HbA1c and blood pressure (associated with high BMI) and low albumin and cholesterol (associated with low BMI) which are usually evaluated separately, mortality varies by a limited degree for BMI 20 to 34. Accounting for the mortality impact of other test values, in addition to the exclusions noted, reduced mortality associated with high BMI to a limited extent, but had little impact on mortality

  12. 2014 CRL Build Study of Life Insurance Applicants.

    PubMed

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

    2016-01-01

    Objective .- Determine the impact of build on insurance applicant mortality accounting for smoking, laboratory test values and blood pressure. Method .- The study consisted of 2,051,370 applicants tested at Clinical Reference Laboratory between 1993 and 2007 with build and cotinine measurements available whose body mass index (BMI) was between 15 and 47. Vital status was determined as of September, 2011 by the Social Security Death Master File. Excluded from the primary study were applicants with HbA1c values ≥6.5%, systolic BP ≥141 mmHg, albumin values ≤3.3 g/dL or total cholesterol values ≤130 mg/dL. Relative mortality was determined by Cox regression analysis for bands of BMI split by age, sex and smoking status (urine cotinine positive). Results .- A majority of applicants had BMI >24 (overweight or obese by WHO criteria). After the exclusions noted above, relative mortality does not increase by >34% unless BMI is <20 (<18 for female non-smokers age 18 to 59) or BMI is >34. BMI values in the range of 22 to 24 and 25 to 29, overall, had similar and the lowest relative risks. For most nonsmokers, risk was lowest in the lower of these two BMI bands but for smokers (and non-smoking males age 60 to 89) risk was lowest in the higher BMI band. Additional analysis showed limited reduction in relative risk by accounting for all laboratory test values as well as continuing the exclusions. Eliminating the exclusions resulted in only a modest increase in relative risk because the mortality rate of the reference band increased as well. Conclusion .- After excluding elevated HbA1c and blood pressure (associated with high BMI) and low albumin and cholesterol (associated with low BMI) which are usually evaluated separately, mortality varies by a limited degree for BMI 20 to 34. Accounting for the mortality impact of other test values, in addition to the exclusions noted, reduced mortality associated with high BMI to a limited extent, but had little impact on mortality

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

    PubMed

    Keogh, Louise A; Otlowski, Margaret F A

    2013-09-01

    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.

  14. 26 CFR 1.801-4 - Life insurance reserves.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... basis of recognized mortality or morbidity tables and assumed rates of interest; (2) Which are set aside... insurance reserves, see paragraph (e) of this section. (b) Certain reserves which need not be required by... annuity contracts as described in section 801(g)(1)). (3) Reserves held under noncancellable health...

  15. 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…

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

    PubMed

    Quinn, Sarah

    2008-11-01

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

  17. "Cancer in the family" and genetic testing: implications for life insurance.

    PubMed

    Lynch, Elly L; Doherty, Rebecca J; Gaff, Clara L; Macrae, Finlay A; Lindeman, Geoffrey J

    2003-11-01

    The potential for discrimination when applying for insurance can be of concern for individuals with a family history of cancer or of a genetic disorder and who are considering genetic counselling or genetic testing. The actual incidence of "genetic discrimination", however, is not known, despite considerable media coverage of this issue. The clinical details required by insurers have received less attention. We obtained primary application and personal statement forms used by 21 different underwriters of voluntary life insurance and found substantial differences in the information requested about family history and genetic testing. All insurance applications, however, contained a duty of disclosure that would require revealing the result, if known by the applicant, of a genetic test in a family member. Therefore, decisions made by family members can affect insurance applications, and people considering genetic testing may also need to consider the implications of the results for other family members. Health practitioners should balance the potential benefits of appropriate genetic testing against potential restriction to life and income-protection insurance when advising people about genetic testing.

  18. IRS Notice 2002-8 clarifies split-dollar life insurance arrangements.

    PubMed

    Ledbetter, Thomas L

    2002-04-01

    Healthcare organizations that sponsor split-dollar life insurance arrangements for employees need to understand the tax treatment of such arrangements. IRS Notice 2002-8 clarifies this issue. The notice announces the IRS's intention to publish final regulations regarding the taxation of split-dollar life insurance, outlines the expected provisions to be included in the regulations, provides guidance on the value of economic benefit provided under such arrangements, and issues rules for the taxation of arrangements entered into before the publication of final rules.

  19. The effect of firearm deaths on life expectancy and insurance premiums in the United States.

    PubMed

    Lemaire, Jean

    2005-01-01

    Despite recent gains, the U.S. remains behind most other affluent countries in life expectancy. Even within the U.S., the gap between the life expectancies of Caucasians and African-Americans remains significant. At the same time, firearm deaths in the U.S. far exceed peer nations, and disproportionately affect African-American males. In this Issue Brief, Dr. Lemaire explores whether deaths from firearms explain some of these international and racial disparities in life expectancy. He uses actuarial techniques to calculate the "cost" of firearm deaths in the U.S., both in terms of reduced life expectancy and increased life insurance premiums.

  20. 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…

  1. 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...

  2. 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

    ... 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... part, see section 1551. For alternative tax where the net long-term capital gain for any taxable...

  3. Life of Montana Insurance Company solar system: operation and maintenance manual

    SciTech Connect

    Not Available

    1980-05-01

    The solar space heating system for the three-story home office building of the Life of Montana Insurance Company in Bozeman, Montana, is described. The system utilizes 3885 net sq. ft. of Sunworks hydronic collectors and two 3000 gal. heat storage tanks. Engineering drawings of the system are included, and an operation and maintenance manual is included. (WHK)

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

    PubMed

    Nissing, Matthew H; Hayashi, Paul H

    2005-07-01

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

  5. Veterans' Group Life Insurance (VGLI) no-health period extension. Final rule.

    PubMed

    2012-11-01

    The Department of Veterans Affairs (VA) is issuing this final rule that amends the regulations governing eligibility for Veterans' Group Life Insurance (VGLI) to extend to 240 days the current 120-day "no-health" period during which veterans can apply for VGLI without proving that they are in good health for insurance purposes. The purpose of this rule is to increase the opportunities for disabled veterans to enroll in VGLI, some of whom would not qualify for VGLI coverage under existing provisions. This document adopts as a final rule, without change, the proposed rule published in the Federal Register on June 25, 2012.

  6. 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.

  7. Lubricant and additive effects on spur gear fatigue life

    NASA Technical Reports Server (NTRS)

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

    1986-01-01

    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 lubricants was divided into four batches each of which had a different additive content. Lubricant 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 antiwar additives. Gears tested with a 0.1 wt pct sulfur and 0.1 wt pct phosphorus EP additives in the lubricant had reactive films that were 200 to 400 (0.8 to 1.6 microns) thick.

  8. Is genetic information relevantly different from other kinds of non-genetic information in the life insurance context?

    PubMed

    Malpas, P J

    2008-07-01

    Within the medical, legal and bioethical literature, there has been an increasing concern that the information derived from genetic tests may be used to unfairly discriminate against individuals seeking various kinds of insurance; particularly health and life insurance. Consumer groups, the general public and those with genetic conditions have also expressed these concerns, specifically in the context of life insurance. While it is true that all insurance companies may have an interest in the information obtained from genetic tests, life insurers potentially have a very strong incentive to (want to) use genetic information to rate applicants, as individuals generally purchase their own cover and may want to take out very large policies. This paper critically focuses on genetic information in the context of life insurance. We consider whether genetic information differs in any relevant way from other kinds of non-genetic information required by and disclosed to life insurance companies by potential clients. We will argue that genetic information should not be treated any differently from other types of health information already collected from those wishing to purchase life insurance cover.

  9. [The assessment of free volitional competence in cases of suicide with life insurance].

    PubMed

    Cording, C; Sass, H

    2009-09-01

    The German insurance law stipulates that in cases of suicide, life insurance providers are not obligated to pay within a restriction period of 3 years, except if it can be proven that the suicide was committed in a state that precludes the insured's ability to make free choices. The relevant psychiatric assessment criteria are identical with those of mental and volitional competence in general. However, a different profile of patients and other disorders are involved, mainly depressive syndromes, but also chronic alcoholism as well as schizophrenic and paranoid syndromes. The assessment has to be based on the legal concept of mental disorder, which is different from the current diagnostic classifications in psychiatry. Decisive psychopathological symptoms are impairment of reality control, of volition and/or of judgement. These posthumous assessments are particularly difficult and require a thorough knowledge of psychopathology as well as of the relevant jurisdiction. The latter is summarised in this article.

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

    PubMed

    Cobb, Neil

    2010-01-01

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

  11. 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. PMID:27263254

  12. 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.

  13. 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.

  14. 26 CFR 1.101-1 - Exclusion from gross income of proceeds of life insurance contracts payable by reason of death.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... 26 Internal Revenue 2 2012-04-01 2012-04-01 false Exclusion from gross income of proceeds of life... Specifically Excluded from Gross Income § 1.101-1 Exclusion from gross income of proceeds of life insurance... proceeds of life insurance policies, if paid by reason of the death of the insured, are excluded from...

  15. 26 CFR 1.101-1 - Exclusion from gross income of proceeds of life insurance contracts payable by reason of death.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... 26 Internal Revenue 2 2014-04-01 2014-04-01 false Exclusion from gross income of proceeds of life... Specifically Excluded from Gross Income § 1.101-1 Exclusion from gross income of proceeds of life insurance... proceeds of life insurance policies, if paid by reason of the death of the insured, are excluded from...

  16. 26 CFR 1.101-1 - Exclusion from gross income of proceeds of life insurance contracts payable by reason of death.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... 26 Internal Revenue 2 2011-04-01 2011-04-01 false Exclusion from gross income of proceeds of life... Specifically Excluded from Gross Income § 1.101-1 Exclusion from gross income of proceeds of life insurance... proceeds of life insurance policies, if paid by reason of the death of the insured, are excluded from...

  17. 26 CFR 1.101-1 - Exclusion from gross income of proceeds of life insurance contracts payable by reason of death.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... 26 Internal Revenue 2 2013-04-01 2013-04-01 false Exclusion from gross income of proceeds of life... Specifically Excluded from Gross Income § 1.101-1 Exclusion from gross income of proceeds of life insurance... proceeds of life insurance policies, if paid by reason of the death of the insured, are excluded from...

  18. 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...) INCOME TAXES (CONTINUED) Exempt Organizations § 1.501(c)(12)-1 Local benevolent life insurance.... (b) The phrase of a purely local character applies to benevolent life insurance associations, and...

  19. 26 CFR 301.6332-2 - Surrender of property subject to levy in the case of life insurance and endowment contracts.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... case of life insurance and endowment contracts. 301.6332-2 Section 301.6332-2 Internal Revenue INTERNAL... the case of life insurance and endowment contracts. (a) In general. This section provides special rules relating to the surrender of property subject to levy in the case of life insurance and...

  20. 26 CFR 20.2031-8 - Valuation of certain life insurance and annuity contracts; valuation of shares in an open-end...

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 26 Internal Revenue 14 2010-04-01 2010-04-01 false Valuation of certain life insurance and annuity... certain life insurance and annuity contracts. (1) The value of a contract for the payment of an annuity, or an insurance policy on the life of a person other than the decedent, issued by a company...

  1. 26 CFR 1.101-1 - Exclusion from gross income of proceeds of life insurance contracts payable by reason of death.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... Specifically Excluded from Gross Income § 1.101-1 Exclusion from gross income of proceeds of life insurance... proceeds of life insurance policies, if paid by reason of the death of the insured, are excluded from the gross income of the recipient. Death benefit payments having the characteristics of life...

  2. Health insurance coverage and health-related quality of life: analysis of 2000 Medical Expenditure Panel Survey data.

    PubMed

    Bharmal, Murtuza; Thomas, Joseph

    2005-11-01

    This study investigated relationships between health insurance status and health-related quality of life (HRQOL) using the 2000 Medical Expenditure Panel Survey data. Health-related quality of life was measured using the SF-12 Physical Component Summary (PCS) and SF-12 Mental Component Summary (MCS). The analysis controlled for sociodemographic and attitudinal variables and medical conditions. The analysis also investigated and controlled for possible reverse causality between HRQOL and health insurance in the models. After adjusting for covariates, individuals without health insurance had significantly lower mean PCS scores (beta=-5.8; SE=0.4) than those with health insurance. The adjusted association between no health insurance and MCS scores (beta=-1.1; SE=0.4) also was significant. The adjusted difference in HRQOL among people with health insurance and those without it exceeds or is comparable to adjusted differences in HRQOL between people with each of various medical conditions and people without them.

  3. EBCT measured coronary artery calcium scores in asymptomatic life insurance applicants.

    PubMed

    Zamarripa, Daniel; Stanger, Harry

    2006-01-01

    EBCT measured coronary calcium is fast becoming a standard screening tool in asymptomatic patients with and without risk factors who apply for life insurance. Since atherosclerotic plaques become calcified as part of their natural history, the calcium score is an excellent measure of total atherosclerotic burden. Over the past 5 years, various clinical studies have confirmed the predictive value of the coronary calcium score for both soft (revascularization, MI) and hard (MI and sudden cardiac death) events incrementally and independently of traditional coronary risk factors identified by the Framingham Heart Study. Accurate assessment of cardiac mortality risk in asymptomatic applicants for life insurance should include both traditional risk factor assessments in combination with age and gender specific percentiles for coronary calcium. New data from both new and ongoing clinical trials will seek to further support the predictive value of coronary calcium scores as an independent and incremental predictor of hard cardiac events. PMID:17323758

  4. 17 CFR 270.6c-3 - Exemptions for certain registered variable life insurance separate accounts.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... account which meets the requirements of paragraph (a) of Rule 6e-2 (17 CFR 270.6e-2) or paragraph (a) of Rule 6e-3(T) (17 CFR 270.6e-3(T)) and registers as an investment company under section 8(a) of the Act... registered variable life insurance separate accounts. 270.6c-3 Section 270.6c-3 Commodity and...

  5. 17 CFR 270.6c-3 - Exemptions for certain registered variable life insurance separate accounts.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... account which meets the requirements of paragraph (a) of Rule 6e-2 (17 CFR 270.6e-2) or paragraph (a) of Rule 6e-3(T) (17 CFR 270.6e-3(T)) and registers as an investment company under section 8(a) of the Act... registered variable life insurance separate accounts. 270.6c-3 Section 270.6c-3 Commodity and...

  6. 17 CFR 270.6c-3 - Exemptions for certain registered variable life insurance separate accounts.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... account which meets the requirements of paragraph (a) of Rule 6e-2 (17 CFR 270.6e-2) or paragraph (a) of Rule 6e-3(T) (17 CFR 270.6e-3(T)) and registers as an investment company under section 8(a) of the Act... registered variable life insurance separate accounts. 270.6c-3 Section 270.6c-3 Commodity and...

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

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... account which meets the requirements of paragraph (a) of Rule 6e-2 (17 CFR 270.6e-2) or paragraph (a) of Rule 6e-3(T) (17 CFR 270.6e-3(T)) and registers as an investment company under section 8(a) of the Act... registered variable life insurance separate accounts. 270.6c-3 Section 270.6c-3 Commodity and...

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

    PubMed

    Huijgen, Roeland; Homsma, Sietske J M; Hutten, Barbara A; Kindt, Iris; Vissers, Maud N; Kastelein, John J P; van Rijckevorsel, Jan L A

    2012-07-01

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

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

    ERIC Educational Resources Information Center

    Insurance Education Foundation, Indianapolis, IN.

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

  10. Failure factors in non-life insurance companies in United Kingdom

    NASA Astrophysics Data System (ADS)

    Samsudin, Humaida Banu

    2013-04-01

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

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

    NASA Astrophysics Data System (ADS)

    Samsudin, Humaida Banu

    2014-06-01

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

  12. Non-life insurance consumption in Italy: a sub-regional panel data analysis

    NASA Astrophysics Data System (ADS)

    Millo, Giovanni; Carmeci, Gaetano

    2011-09-01

    We analyze the consumption of non-life insurance across 103 Italian provinces in 1998-2002 in order to assess its determinants, in the light of the empirical literature. Using sub-regional data, we overcome an important limitation of cross-country analyses, i.e. the systemic heterogeneity due to country-specific characteristics. Individual heterogeneity is accounted for through panel data techniques. However, considering spatial units within a single market raises issues of cross-sectional or spatial dependence, either due to common nationwide and/or regional factors or to spatial proximity. We carefully assess spatial dependence, employing recent diagnostic tests, finding out that the regressors included in our specification successfully account for spatial dependence. Insurance turns out to depend on income, wealth and some demographics, as already established, but also on trust, judicial efficiency and borrowing conditions. These findings help in explaining the gap between Central-Northern Italy and the south of the country.

  13. Analysis of accelerated death benefit claims at a Japanese life insurance company.

    PubMed

    Kobayashi, Miyoharu; Kudomi, Hiroyuki

    2002-01-01

    We studied accelerated death benefit (ADB) claims at the Dai-ichi Mutual Life Insurance Company (Dai-ichi Life). The ADB provision is designed to pay all or a portion of the death benefit if the insured is expected to die within 6 months. Dai-ichi Life paid 243 ADB claims and did not pay 17 ADB claims between December 1994 and March 1998. Of the 260 ADB claims, 253 (97.3%) were caused by malignant neoplasm, 2 by intracranial hemorrhage, 2 by angina pectoris, 1 by dilated cardiomyopathy, 1 by hepatic cirrhosis, and 1 by bleeding gastric ulcer. The age range of the 243 paid claims at the time when the attendant physician predicted a life expectancy below 6 months was 21.6-72.6 years (48.7 +/- 8.7 years [Mean +/- SD]). By the end of March 2000, 236 cases were followed up among the above 243 paid ADB claims. Of the 236 followed-up cases, 149 (63.1%) died within 6 months and 203 (86.0%) died within 1 year. The range of survival periods of these 236 cases was 6-1516 days (210 +/- 237 days). Of the 217 dead cases due to malignant neoplasm, 45 (20.7%) died of gastric cancer, 44 (20.3%) of lung cancer, 24 (11.1%) of liver cancer, 16 (7.4%) of colon cancer, 13 (6.0%) of rectum cancer, and 12 (5.5%) of pancreatic cancer.

  14. Unhealthy and uninsured: exploring racial differences in health and health insurance coverage using a life table approach.

    PubMed

    Kirby, James B; Kaneda, Toshiko

    2010-11-01

    Millions of people in the United States do not have health insurance, and wide racial and ethnic disparities exist in coverage. Current research provides a limited description of this problem, focusing on the number or proportion of individuals without insurance at a single time point or for a short period. Moreover, the literature provides no sense of the joint risk of being uninsured and in need of medical care. In this article, we use a life table approach to calculate health- and insurance-specific life expectancies for whites and blacks, thereby providing estimates of the duration of exposure to different insurance and health states over a typical lifetime. We find that, on average, Americans can expect to spend well over a decade without health insurance during a typical lifetime and that 40% of these years are spent in less-healthy categories. Findings also reveal a significant racial gap: despite their shorter overall life expectancy, blacks have a longer uninsured life expectancy than whites, and this racial gap consists entirely of less-healthy years. Racial disparities in insurance coverage are thus likely more severe than indicated by previous research.

  15. Unhealthy and Uninsured: Exploring Racial Differences in Health and Health Insurance Coverage Using a Life Table Approach

    PubMed Central

    KIRBY, JAMES B.; KANEDA, TOSHIKO

    2010-01-01

    Millions of people in the United States do not have health insurance, and wide racial and ethnic disparities exist in coverage. Current research provides a limited description of this problem, focusing on the number or proportion of individuals without insurance at a single time point or for a short period. Moreover, the literature provides no sense of the joint risk of being uninsured and in need of medical care. In this article, we use a life table approach to calculate health- and insurance-specific life expectancies for whites and blacks, thereby providing estimates of the duration of exposure to different insurance and health states over a typical lifetime. We find that, on average, Americans can expect to spend well over a decade without health insurance during a typical lifetime and that 40% of these years are spent in less-healthy categories. Findings also reveal a significant racial gap: despite their shorter overall life expectancy, blacks have a longer uninsured life expectancy than whites, and this racial gap consists entirely of less-healthy years. Racial disparities in insurance coverage are thus likely more severe than indicated by previous research. PMID:21308569

  16. Servicemembers' Group Life Insurance Traumatic Injury Protection Program--genitourinary losses. Final rule.

    PubMed

    2012-06-01

    The Department of Veterans Affairs (VA) is issuing this final rule that amends the regulations governing the Servicemembers' Group Life Insurance Traumatic Injury Protection (TSGLI) program by adding certain genitourinary (GU) system losses to the TSGLI Schedule of Losses and defining terms relevant to these new losses. This amendment is necessary to make qualifying GU losses a basis for paying TSGLI benefits to servicemembers with severe GU injuries. The intended effect is to expand the list of losses for which TSGLI payments can be made. This document adopts as a final rule, without change, the interim final rule published in the Federal Register on December 2, 2011.

  17. Servicemembers' Group Life Insurance Traumatic Injury Protection program--genitourinary losses. Interim final rule.

    PubMed

    2011-12-01

    The Department of Veterans Affairs (VA) is issuing this interim final rule that amends the regulations governing the Servicemembers' Group Life Insurance Traumatic Injury Protection (TSGLI) program by adding certain genitourinary (GU) system losses to the TSGLI Schedule of Losses and defining terms relevant to these new losses. This amendment is necessary to make qualifying GU losses a basis for paying GU-injured Servicemembers TSGLI benefits. The intended effect is to expand the list of losses for which TSGLI payments can be made.

  18. 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...

  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, 2010 CFR

    2010-04-01

    ... 26 Internal Revenue 14 2010-04-01 2010-04-01 false Valuation of certain life insurance and annuity...; GIFTS MADE AFTER DECEMBER 31, 1954 Transfers § 25.2512-6 Valuation of certain life insurance and annuity contracts; valuation of shares in an open-end investment company. (a) Valuation of certain life...

  20. [Risk factor calculator for medical underwriting of life insurers based on the PROCAM study].

    PubMed

    Geritse, A; Müller, G; Trompetter, T; Schulte, H; Assmann, G

    2008-06-01

    For its electronic manual GEM, used to perform medical risk assessment in life insurance, SCOR Global Life Germany has developed an innovative and evidence-based calculator of the mortality risk depending on cardiovascular risk factors. The calculator contains several new findings regarding medical underwriting, which were gained from the analysis of the PROCAM (Prospective Cardiovascular Münster) study. For instance, in the overall consideration of all risk factors of a medically examined applicant, BMI is not an independent risk factor. Further, given sufficient information, the total extra mortality of a person no longer results from adding up the ratings for the single risk factors. In fact, this new approach of risk assessment considers the interdependencies between the different risk factors. The new calculator is expected to improve risk selection and standard acceptances will probably increase.

  1. A current life table and causes of death for insured dogs in Japan.

    PubMed

    Inoue, Mai; Hasegawa, A; Hosoi, Y; Sugiura, K

    2015-06-15

    The life expectancies and causes of death were evaluated in 299,555 dogs insured in Japan between 1 April 2010 and 31 March 2011, of which 4169 dogs died during this period. The overall life expectancy of dogs was 13.7 years. The probability of death was high in the first year of life, lowest in the second and third years, and increased exponentially after 3 years of age. The life expectancy was 13.8 years in the <5 kg body weight group, 14.2 years in the 5-10 kg body weight group, 13.6 years in the 10-20 kg body weight group, 12.5 years in the 20-40 kg body weight group and 10.6 years in the ≥40 kg body weight group. As body weight increases, life expectancy tended to decrease except in the <5 kg body weight group. The probability of death increased as dogs got older for most potential causes of death. Neoplasia resulted in the highest probability of death, especially in the large and giant breed groups. Cardiovascular system disorders were the second major cause of death and the toy group had a probability of death significantly higher than the other breed groups at age 12+.

  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

    ... set forth in § 1.72-7(c)(1), and is shown in Table V of § 1.72-9 (which contains life expectancy... table set forth in § 1.72-7(c)(1), and is shown in Table VI of § 1.72-9 (which contains life expectancy... deferred payments of life insurance proceeds. 1.101-7 Section 1.101-7 Internal Revenue INTERNAL...

  3. 26 CFR 1.101-7 - Mortality table used to determine exclusion for deferred payments of life insurance proceeds.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... set forth in § 1.72-7(c)(1), and is shown in Table V of § 1.72-9 (which contains life expectancy... table set forth in § 1.72-7(c)(1), and is shown in Table VI of § 1.72-9 (which contains life expectancy... deferred payments of life insurance proceeds. 1.101-7 Section 1.101-7 Internal Revenue INTERNAL...

  4. 26 CFR 1.101-7 - Mortality table used to determine exclusion for deferred payments of life insurance proceeds.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... set forth in § 1.72-7(c)(1), and is shown in Table V of § 1.72-9 (which contains life expectancy... table set forth in § 1.72-7(c)(1), and is shown in Table VI of § 1.72-9 (which contains life expectancy... deferred payments of life insurance proceeds. 1.101-7 Section 1.101-7 Internal Revenue INTERNAL...

  5. 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

    ... set forth in § 1.72-7(c)(1), and is shown in Table V of § 1.72-9 (which contains life expectancy... table set forth in § 1.72-7(c)(1), and is shown in Table VI of § 1.72-9 (which contains life expectancy... deferred payments of life insurance proceeds. 1.101-7 Section 1.101-7 Internal Revenue INTERNAL...

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

    PubMed

    2007-03-01

    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. PMID:17450649

  7. 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.

  8. 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.

  9. 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.

  10. 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. PMID:23069364

  11. Insurability for asymptomatic hematuria or proteinuria during childhood.

    PubMed

    Feld, L G; Stapleton, F B

    1993-08-01

    The objective of this survey was to describe life insurance underwriting practices concerning children with asymptomatic hematuria and proteinuria. A questionnaire was sent to 200 companies licensed to issue life insurance policies in the state of New York. The medical director of each company was asked to respond to the insurability of children with asymptomatic hematuria and proteinuria. Two case summaries were provided with the questionnaire. Of 97 companies, 66 would offer insurance to the patient with hematuria, although 38 (58%) would charge additional premiums. In response to the problem of proteinuria, 61 companies would offer life insurance, although 50 (82%) would require higher premium charges (P < 0.002 compared with hematuria). We conclude that children with asymptomatic hematuria and proteinuria can usually obtain life insurance, although often at higher cost. Invasive diagnostic tests are not necessary for insurers to offer insurance.

  12. 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. PMID:27562107

  13. 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.

  14. 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

    ... 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 chapter). Editorial Note: For Federal Register citations affecting Form N-27I-2, see the List of CFR Sections...

  15. 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

    ... 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...

  16. 17 CFR 274.302 - Form N-27I-1, notice of right of withdrawal and refund for variable life insurance...

    Code of Federal Regulations, 2010 CFR

    2010-04-01

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

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

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... variable life insurance contractholders required pursuant to Rule 6e-2 (§ 270.6e-2 of this chapter). Editorial Note: For Federal Register citations affecting Form N-27I-2, see the List of CFR Sections Affected... withdrawal right and statement of charges for variable life insurance contractholders required pursuant...

  18. 17 CFR 274.303 - Form N-27I-2, notice of withdrawal right and statement of charges for variable life insurance...

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... variable life insurance contractholders required pursuant to Rule 6e-2 (§ 270.6e-2 of this chapter). Editorial Note: For Federal Register citations affecting Form N-27I-2, see the List of CFR Sections Affected... withdrawal right and statement of charges for variable life insurance contractholders required pursuant...

  19. 17 CFR 274.303 - Form N-27I-2, notice of withdrawal right and statement of charges for variable life insurance...

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... variable life insurance contractholders required pursuant to Rule 6e-2 (§ 270.6e-2 of this chapter). Editorial Note: For Federal Register citations affecting Form N-27I-2, see the List of CFR Sections Affected... withdrawal right and statement of charges for variable life insurance contractholders required pursuant...

  20. 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

    ... variable life insurance contractholders required pursuant to Rule 6e-2 (§ 270.6e-2 of this chapter). Editorial Note: For Federal Register citations affecting Form N-27I-2, see the List of CFR Sections Affected... withdrawal right and statement of charges for variable life insurance contractholders required pursuant...

  1. 26 CFR 1.264-4 - Other life insurance, endowment, or annuity contracts.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... statute of limitations or other rule of law. (c) Special rules. For purposes of this section: (1... whether from the insurer, insured, or any other person (other than by gift, bequest, or inheritance, or...

  2. 26 CFR 1.264-4 - Other life insurance, endowment, or annuity contracts.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... statute of limitations or other rule of law. (c) Special rules. For purposes of this section: (1... whether from the insurer, insured, or any other person (other than by gift, bequest, or inheritance, or...

  3. 26 CFR 1.264-4 - Other life insurance, endowment, or annuity contracts.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... statute of limitations or other rule of law. (c) Special rules. For purposes of this section: (1... whether from the insurer, insured, or any other person (other than by gift, bequest, or inheritance, or...

  4. 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...

  5. 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

    ... computed on preliminary term basis. 1.818-4 Section 1.818-4 Internal Revenue INTERNAL REVENUE SERVICE... Election with respect to life insurance reserves computed on preliminary term basis. (a) In general... reserves are computed on one of the recognized preliminary term bases to elect to revalue such reserves...

  6. Making the normal deviant: the introduction of predictive medicine in life insurance.

    PubMed

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

    2006-09-01

    Over the past years, one of the most discussed topics in policy debates on genetics has been the use of genetic testing in insurance. Many of these debates have been rather speculative and abstract. In a recent contribution to this journal, Kaufert therefore urged for "a proper research agenda" to study the issue, arguing for the need of anthropological and sociological research of the insurance world. This article will make a start with this. Based on ethnographic fieldwork in two Belgium insurance companies, this study analyses the ways insurers account for predictive medicine (lifestyle, genetics) during underwriting. We demonstrate how insurers highlight predictive lifestyle health information and how this articulates with a fault based approach in underwriting. Individual responsibility for health risks becomes the golden standard for assessing one's fitness for membership of the insurance pool. Moreover, these developments imply a changed concept of "normal standard" in insurance, increasing the conditions to fulfil to be part of the insurance group. Predictive medicine constitutes new ground in the old debates about individual control, responsibility and blame for health. This goes to the heart of the basis for citizenship and how this articulates with membership--or, if you want, exclusion--of the insurance pool.

  7. 46 CFR 160.027-3 - Additional requirements for life floats.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

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

  8. 46 CFR 160.027-3 - Additional requirements for life floats.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

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

  9. 46 CFR 160.027-3 - Additional requirements for life floats.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

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

  10. 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...

  11. 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.

  12. The burden of falling on the quality of life of adults with Medicare supplement insurance.

    PubMed

    Hawkins, Kevin; Musich, Shirley; Ozminkowski, Ronald J; Bai, Ming; Migliori, Richard J; Yeh, Charlotte S

    2011-08-01

    To study the impact of falling or risk of falling on quality of life (QOL) outcomes, a survey was mailed to a random sample of 15,000 adults with an AARP® Medicare Supplement plan insured by UnitedHealthcare from 10 states in 2008. Approximately 21% had fallen in the past year; 17% did not fall but reported balance or walking problems (i.e., at high risk of falling); and 62% were in the low-risk, no-falls comparison group. Multiple regression analyses showed the strongest predictors of falling or being at high risk of falling were advancing age, female gender, heart conditions, stroke, digestive disorders, arthritis, sciatica, diabetes, and hearing problems. Average physical and mental component scores were significantly lower for both those who fell and those at risk of falling than the comparison group, indicating that falling or being at risk of falling had a stronger negative influence on QOL than most of the comorbidities measured. Clinicians, patients, and families should be aware of the potential negative impact of falling and fear of falling on the QOL of older adults.

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

    PubMed

    Green, A G

    1994-09-10

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

  14. 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

    ... District of Columbia, or (ii) Canada or any province thereof, if it complies with Rule 7d-1 (17 CFR 270.7d... contracts (“scheduled contracts”) as defined in paragraph (c)(1) of Rule 6e-2 (17 CFR 270.6e-2) under the... not chargeable with liabilities arising from any other business of the life insurer; (5) The value...

  15. Insurance scam.

    PubMed

    1999-07-23

    Twenty-eight people with HIV or AIDS were indicted in Dallas for lying about their medical status to obtain life insurance and then selling those policies through a viatical settlement arrangement conducted by an insurance company. Forgery and fraud indictments were obtained against three insurance brokers and agents and Michael Lee Davis, the vice president of Southwest Viatical Inc. People working with [name removed] arranged for the purchase of $12 million in insurance policies for applicants even though the applicants had HIV. One man who has had AIDS for 6 years was issued policies by two insurers who did not require HIV tests or medical exams. After receiving the policies, they were sold for 13 percent of face value. Normally, viatical settlements generate 70 to 80 percent of the face value of the policies.

  16. 46 CFR 117.72 - Personal flotation devices carried in addition to life jackets.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... approved life jackets required to be worn during drills and emergencies. (b) Wearable marine buoyant... 46 Shipping 4 2014-10-01 2014-10-01 false Personal flotation devices carried in addition to life... PASSENGERS LIFESAVING EQUIPMENT AND ARRANGEMENTS Ring Life Buoys and Life Jackets § 117.72 Personal...

  17. 46 CFR 117.72 - Personal flotation devices carried in addition to life jackets.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... approved life jackets required to be worn during drills and emergencies. (b) Wearable marine buoyant... 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...

  18. 46 CFR 117.72 - Personal flotation devices carried in addition to life jackets.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... approved life jackets required to be worn during drills and emergencies. (b) Wearable marine buoyant... 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...

  19. 46 CFR 117.72 - Personal flotation devices carried in addition to life jackets.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... approved life jackets required to be worn during drills and emergencies. (b) Wearable marine buoyant... 46 Shipping 4 2012-10-01 2012-10-01 false Personal flotation devices carried in addition to life... PASSENGERS LIFESAVING EQUIPMENT AND ARRANGEMENTS Ring Life Buoys and Life Jackets § 117.72 Personal...

  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. PMID:27483687

  1. [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.

  2. 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,…

  3. 12 CFR 362.3 - Activities of insured State banks.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... insurance company, provided that the savings bank life insurance company provides written disclosures to purchasers or potential purchasers of life insurance policies, other insurance products, and annuities that... insurance coverage for insured depository institutions. (B) Stock of savings bank life insurance company.......

  4. 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.

  5. 12 CFR 2.3 - Distribution of credit life insurance income.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 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 this... employed by a third party that has contracted with the bank on an arm's-length basis to sell...

  6. 12 CFR 2.3 - Distribution of credit life insurance income.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 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 this... employed by a third party that has contracted with the bank on an arm's-length basis to sell...

  7. Infant mortality: an insured population perspective.

    PubMed

    Zimmerman, Daniel D; Roudebush, Brad

    2012-01-01

    Many insurers offer life coverage to individuals during the first year of life. The policies tend to have small face values, but frequently contain premium waiver or additional purchase options. General population mortality is significantly higher at this age relative to older children and even middle-aged adults. This article presents the mortality experience of an insured cohort in which death occurred under 1 year of age. In summary, the insured population's mortality rate was significantly lower and the leading causes of death were different than the general population.

  8. 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.

  9. 5 CFR 870.904 - Amount of insurance.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... (CONTINUED) FEDERAL EMPLOYEES' GROUP LIFE INSURANCE PROGRAM Assignments of Life Insurance § 870.904 Amount of insurance. The amount of insurance is the amount of the insured individual's Basic insurance, plus any... 5 Administrative Personnel 2 2010-01-01 2010-01-01 false Amount of insurance. 870.904 Section...

  10. 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 Section 180.72 Shipping COAST GUARD, DEPARTMENT OF HOMELAND SECURITY (CONTINUED) SMALL PASSENGER VESSELS (UNDER 100 GROSS TONS) LIFESAVING EQUIPMENT AND ARRANGEMENTS Ring Life Buoys and...

  11. 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 Section 180.72 Shipping COAST GUARD, DEPARTMENT OF HOMELAND SECURITY (CONTINUED) SMALL PASSENGER VESSELS (UNDER 100 GROSS TONS) LIFESAVING EQUIPMENT AND ARRANGEMENTS Ring Life Buoys and...

  12. 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 Section 180.72 Shipping COAST GUARD, DEPARTMENT OF HOMELAND SECURITY (CONTINUED) SMALL PASSENGER VESSELS (UNDER 100 GROSS TONS) LIFESAVING EQUIPMENT AND ARRANGEMENTS Ring Life Buoys and...

  13. 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 Section 180.72 Shipping COAST GUARD, DEPARTMENT OF HOMELAND SECURITY (CONTINUED) SMALL PASSENGER VESSELS (UNDER 100 GROSS TONS) LIFESAVING EQUIPMENT AND ARRANGEMENTS Ring Life Buoys and...

  14. 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

    ... that some speech can be produced through the use of artificial appliance or other organs of the body... 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...

  15. 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

    ... that some speech can be produced through the use of artificial appliance or other organs of the body... 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...

  16. 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

    ... that some speech can be produced through the use of artificial appliance or other organs of the body... 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...

  17. 38 CFR 8.0 - Definitions of terms used in connection with title 38 CFR, part 8, National Service Life Insurance.

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ... that some speech can be produced through the use of artificial appliance or other organs of the body... 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...

  18. 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…

  19. 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.…

  20. 17 CFR 274.302 - Form N-27I-1, notice of right of withdrawal and refund for variable life insurance...

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... Federal Register citations affecting Form N-27I-1, see the List of CFR Sections Affected, which appears in... 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...

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

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... Federal Register citations affecting Form N-27I-1, see the List of CFR Sections Affected, which appears in... 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...

  2. 17 CFR 274.302 - Form N-27I-1, notice of right of withdrawal and refund for variable life insurance...

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... Federal Register citations affecting Form N-27I-1, see the List of CFR Sections Affected, which appears in... 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

    ... Federal Register citations affecting Form N-27I-1, see the List of CFR Sections Affected, which appears in... 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. 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

    ... and annuity contracts. The value of a life insurance contract or of a contract for the payment of an... payments are to be made, the value may be approximated by adding to the interpolated terminal reserve at... contract such approximation is not reasonably close to the full value, this method may not be used....

  5. 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.

  6. 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. PMID:27450674

  7. 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.

  8. 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

  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, 2014 CFR

    2014-04-01

    ... would be imposed. Example 3. The X Company, a mutual casualty insurance company, for the calendar year... income of the X Company from interest, dividends, rents, and net premiums, minus dividends to...-exempt interest of $12,000, has income for purposes of the normal tax of $48,000. The gross...

  10. 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

    ...(a) no income tax would be imposed. Example 3. The X Company, a mutual casualty insurance company.... The gross amount of income of the X Company received during the taxable year from the items described..., has income for purposes of the normal tax of $48,000. The gross amount received during the...

  11. 26 CFR 1.817-5 - Diversification requirements for variable annuity, endowment, and life insurance contracts.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

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

  12. 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.

  13. 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 PASSENGER VESSELS CARRYING MORE THAN 150 PASSENGERS OR WITH OVERNIGHT ACCOMMODATIONS FOR MORE THAN 49 PASSENGERS LIFESAVING EQUIPMENT...

  14. 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...

  15. 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.

  16. 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.

  17. Illinois disability law does not extend to insurance companies.

    PubMed

    1999-07-23

    A Federal appeals court ruled that the content of insurance policies is not regulated by the Americans with Disabilities Act. The decision came in a complaint filed by a hairdresser, Cut N Dried Salon, against National Group Life Insurance Co. in Illinois. The insurance company refused coverage for a female salon employee because it did not insure employees of hairdressers, interior decorators, florists, graphic artists, and certain other professions. The insurer explained that they were "high risk occupations." All occupations identified are commonly associated with gay men. National later changed its policy, but requires the employer to pay a 20 percent additional premium. In 1992, the salon filed a complaint with the Illinois Department of Human Rights, which later dismissed the case for lack of jurisdiction. The State Appellate Court said that insurance companies were not like other commercial ventures, since their customers have to undergo an evaluation process. The ruling leaves insurance customers with a last resort, filing a complaint with the State Insurance Department whose Insurance Code bars such discrimination. However, investigations into Insurance Department complaints are discretionary and not required.

  18. Insurance Incentives for Health Promotion.

    ERIC Educational Resources Information Center

    Hosokawa, Michael C.

    1984-01-01

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

  19. Insuring the unknown.

    PubMed

    Parsons, C

    2015-12-01

    Uncertainty is the central element in insurance. This article examines how insurers evaluate and price risks that can present very high levels of uncertainty, and which many underwriters regard as especially hazardous in insurance terms. These are the risks associated with new medical devices, new pharmaceutical products and others substances for human consumption, such as food additives. Insurance is likely to be needed for these products both during their research and development phases, including insurance for clinical trials, and also once the device, drug or other substance gains approval and is in regular use.The article examines the types of insurance that are available to cover these risks, the organizations that provide insurance and how the insurance is organised. It discusses the basic principles that insurers use to price insurance before considering the difficulties presented by novel and complex risks generally. The article concludes with a description of the techniques that insurers employ to analyse and price the particular risks that are our subject and a discussion of how underwriters seek to overcome the special problems associated with them. PMID:26614811

  20. Insuring the unknown.

    PubMed

    Parsons, C

    2015-12-01

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

  1. 5 CFR 870.906 - Cancellation of insurance.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... REGULATIONS (CONTINUED) FEDERAL EMPLOYEES' GROUP LIFE INSURANCE PROGRAM Assignments of Life Insurance § 870.906 Cancellation of insurance. (a) The right to cancel (or reduce) insurance transfers to the assignee... 5 Administrative Personnel 2 2010-01-01 2010-01-01 false Cancellation of insurance....

  2. 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)...

  3. 5 CFR 870.402 - Withholdings for Optional insurance.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... which his/her birthday occurs. (3) When OPM makes any adjustment to the Optional life insurance premiums... REGULATIONS (CONTINUED) FEDERAL EMPLOYEES' GROUP LIFE INSURANCE PROGRAM Cost of Insurance § 870.402... amount of Optional life insurance deductions from an individual's pay, annuity, or compensation,...

  4. 5 CFR 870.202 - Basic insurance amount (BIA).

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... REGULATIONS (CONTINUED) FEDERAL EMPLOYEES' GROUP LIFE INSURANCE PROGRAM Types and Amount of Insurance § 870... individual who is eligible to continue Basic Life insurance coverage as an annuitant or compensationer is the... subpart K of this part. (c) The amount of an employee's Basic Life insurance coverage is equal to...

  5. [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.

  6. 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.

  7. 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.

  8. Making health insurers insure.

    PubMed

    Ortolon, Ken

    2010-12-01

    A section of the Patient Protection and Affordable Care Act requires health plans to maintain a minimum "medical loss ratio," or MLR, of between 80 percent and 85 percent. If they don't, they could be ordered to refund some premium dollars to their beneficiaries. Texas Medical Association officials say the new MLR provision could force health plans to spend more time providing insurance and less time meddling in patient care. But that is still unclear. PMID:21174243

  9. 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, ...

  10. 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)...

  11. 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.

  12. 26 CFR 1.101-4 - Payment of life insurance proceeds at a date later than death.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... of the beneficiary in lieu of such lump sum, the lump sum shall be divided by the life expectancy of... without regard to whether he lives beyond the life expectancy used in making the calculation. If the... the beneficiary, the divisor shall be the life expectancy of the beneficiary. To the extent...

  13. 26 CFR 1.101-4 - Payment of life insurance proceeds at a date later than death.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... of the beneficiary in lieu of such lump sum, the lump sum shall be divided by the life expectancy of... without regard to whether he lives beyond the life expectancy used in making the calculation. If the... the beneficiary, the divisor shall be the life expectancy of the beneficiary. To the extent...

  14. 26 CFR 1.101-4 - Payment of life insurance proceeds at a date later than death.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... of the beneficiary in lieu of such lump sum, the lump sum shall be divided by the life expectancy of... without regard to whether he lives beyond the life expectancy used in making the calculation. If the... the beneficiary, the divisor shall be the life expectancy of the beneficiary. To the extent...

  15. 26 CFR 1.101-4 - Payment of life insurance proceeds at a date later than death.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... of the beneficiary in lieu of such lump sum, the lump sum shall be divided by the life expectancy of... without regard to whether he lives beyond the life expectancy used in making the calculation. If the... the beneficiary, the divisor shall be the life expectancy of the beneficiary. To the extent...

  16. 76 FR 38744 - Proposed Information Collection (Application by Insured Terminally Ill Person for Accelerated...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-07-01

    ... stating the life expectancy of the insured person and a statement by the insured on the amount of... terminally ill may request a portion of the face value of his or her Servicemembers' Group Life Insurance (SGLI) or Veterans' Group Life Insurance (VGLI) prior to death. If the insured would like to receive...

  17. 76 FR 56505 - Agency Information Collection (Application by Insured Terminally Ill Person for Accelerated...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-09-13

    ... life expectancy of the insured person and a statement by the insured on the amount of accelerated... a portion of the face value of his or her Servicemembers' Group Life Insurance (SGLI) or Veterans' Group Life Insurance (VGLI) prior to death. If the insured would like to receive a portion of the...

  18. Effect of healthcare insurance policy on the quality of life of chronic hepatitis C patients receiving interferon α-2a plus ribavirin therapy.

    PubMed

    Liu, Jing; Lin, Chao-Shuang; Gan, Wei-Qiang; Zheng, Yu-Bao; Wu, Zhe-Bin; Zhao, Zhi-Xin; Gao, Zhi-Liang

    2012-06-01

    The aim of this study was to evaluate the effect of pegylated interferon α-2a plus ribavirin therapy on the quality of life (QOL) of chronic hepatitis C patients when this treatment was paid for by healthcare insurance. The QOL questionnaire (GQOLI-74) was used to assess patient QOL. A total of 42 cases received 1-year pegylated interferon α-2a plus ribavirin treatment paid for by Guangzhou Medical Insurance (group A), and 30 cases received treatment self-subsidized by the patients themselves (group B). Another 30 patients did not receive interferon therapy (group C). All groups completed the evaluation twice; prior to interferon treatment (T0) and at the end of treatment (T1). There was no statistically significant difference among the three groups (P>0.05). At T1, patients in group A had higher scores for each questionnaire dimension and a higher total score than those of group C (P<0.05). Patients in group B also had higher scores than those of group C (P<0.05), except for material well-being (P=0.305). Compared with group B, patients in group A had higher scores for mental function, material well-being and a higher total score (P<0.05). Patients in group A had higher scores for each dimension and a higher total score at T1 than at T0 (P=0.05), while patients in group B had higher scores for physical function, social function and a higher total score at T1 than at T0 (P=0.05). Pegylated interferon α-2a plus ribavirin treatment is able to improve the QOL of chronic hepatitis C patients. Patients whose treatment was financed by medical insurance exhibited increased improvement in QOL compared to those who paid for their own treatment.

  19. 38 CFR 8.3 - Revival of insurance.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... life insurance which are equal to or greater in amount than the total of the monthly premiums which... income provision lapsed at the same time as the life insurance, the premium for the provision will be... INSURANCE Premiums § 8.3 Revival of insurance. (a) If the sole reason death or total disability...

  20. 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.

  1. Captive insurance companies.

    PubMed

    Strauss, Peter

    2014-01-01

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

  2. Captive insurance companies.

    PubMed

    Strauss, Peter

    2014-01-01

    The landscape of the business world is changing; and now, more than ever, business owners are recognizing that life is filled with risks: known risk, calculated risk, and unexpected risk. Every day, businesses thrive or fail based on understanding the risk of owning and operating their business, and business owners are recognizing that there are alternative risk financing mechanisms other than simply taking out a basket of standard coverage as recommended by your friendly neighborhood agent. A captive insurance company is an insurance company established to provide a broad range of risk management capabilities to affiliated companies. The captive is owned by the business owner and can provide insurance to the business for potential future losses, whether or not the losses are already covered by a commercial carrier or are "self-insured." The premiums paid by your business are tax deductible. Meanwhile, the premiums that your captive collects are tax-free up to $1.2 million annually. PMID:25807627

  3. Louis I. Dublin and the development of the observational study: the Metropolitan Life Insurance Company natural history (cohort) studies of typhoid fever and scarlet fever.

    PubMed

    Lilienfeld, David E

    2009-06-01

    During 1911-1914, using the resources of the Metropolitan Life Insurance Company, Louis I. Dublin conducted two national studies into the survival of those surviving episodes of typhoid fever or scarlet fever. He identified an elevated risk of such mortality, associated with specific causes of death, among those having had typhoid fever but not among the scarlet fever survivors. The studies were methodologically sophisticated, resembling those conducted three to four decades later. The studies appear to have been accepted by the medical and public health communities. However, the absence of modern data processing technology and the lack of financial support for such studies by other investigators precluded the further development of modern epidemiology until World War II.

  4. 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.

  5. 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. PMID:25925606

  6. 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.

  7. EMPLOYEE GROUP PROPERTY AND LIABILITY INSURANCE.

    ERIC Educational Resources Information Center

    FIELD, IRVING M.

    AN ATTEMPT IS MADE TO ESTABLISH A THEORETICAL FOUNDATION FOR GROUP PROPERTY AND LIABILITY INSURANCE AND TO ADVANCE THE GENERAL HYPOTHESIS THAT THE PRINCIPLES USED IN INSTALLING AND ADMINISTERING GROUP LIFE AND HEALTH INSURANCE ARE APPLICABLE TO THE INSTALLATION AND ADMINISTRATION OF GROUP PROPERTY AND LIABILITY INSURANCE. A SURVEY WAS CONDUCTED TO…

  8. 31 CFR 103.16 - Reports by insurance companies of suspicious transactions.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... as provided in § 103.11(f). (4) Covered product means: (i) A permanent life insurance policy, other than a group life insurance policy; (ii) An annuity contract, other than a group annuity contract; or... life insurance policy means any life insurance policy under which a number of persons and...

  9. 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.

  10. 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…

  11. 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. PMID:27044710

  12. 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.

  13. 78 FR 59985 - Variable Insurance Trust, et al.;

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-09-30

    ... Rules 6e-2(b)(15) and 6e-3(T)(b)(15) thereunder in cases where a life insurance company separate account supporting variable life insurance contracts (``VLI Accounts'') holds shares of an existing portfolio of the... together ``Separate Accounts'') issued by both affiliated life insurance companies and unaffiliated...

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

    PubMed

    Hoffmann, Reinhard W

    2016-02-01

    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.

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

    PubMed

    Hoffmann, Reinhard W

    2016-02-01

    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. PMID:26753913

  16. 5 CFR 870.702 - Amount of Basic insurance.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 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 can... 5 Administrative Personnel 2 2010-01-01 2010-01-01 false Amount of Basic insurance....

  17. 7 CFR 3550.110 - Insurance (loans only).

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... Emergency Management Agency (FEMA). RHS actions will be consistent with 7 CFR part 1806, subpart B which... with 7 CFR part 1924, subpart A. (4) When insurance funds remain after all repairs, replacements, and... insured value. (c) Flood insurance. Flood insurance must be obtained and maintained for the life of...

  18. 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...

  19. 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

  20. 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. PMID:24769873