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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, 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...

  4. 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...

  5. 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... blood, legal adoption, or marriage; and a member of the slayer's family who is related to the...

  6. 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...

  7. Business quality control in issuing life insurance.

    PubMed

    Roberts, N K

    1999-01-01

    Fraud investigation and fraud control are entirely different processes. Similarly the auditing of a life insurance company and the issuing of life insurance policies and business quality control are not the same. Business quality control and fraud control have much in common. In this article, these similarities are explored and a case is made that companies issuing life insurance policies should consider the business quality control approach rather than the more traditional investigatory methods. PMID:10539385

  8. 26 CFR 1.801-4 - Life insurance reserves.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

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

  9. 77 FR 54621 - Pruco Life Insurance Company, et al;

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-09-05

    ... Account B''), Allstate Life Insurance Company (``Allstate Life''), Allstate Financial Advisors Separate... Financial Advisors Separate Account I, 3100 Sanders Road, Northbrook, IL 60062; Allstate Life Insurance.... Pickholz, Branch Chief, Office of Insurance Products, Division of Investment Management, at (202)...

  10. 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''),...

  11. 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...

  12. 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...

  13. 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...

  14. 5 CFR 870.701 - Eligibility for life insurance.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 5 Administrative Personnel 2 2011-01-01 2011-01-01 false Eligibility for life insurance. 870.701... REGULATIONS (CONTINUED) FEDERAL EMPLOYEES' GROUP LIFE INSURANCE PROGRAM Annuitants and Compensationers § 870.701 Eligibility for life insurance. (a) When an insured employee retires, Basic life insurance...

  15. 5 CFR 870.701 - Eligibility for life insurance.

    Code of Federal Regulations, 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...

  16. 26 CFR 1.7702-2 - Attained age of the insured under a life insurance contract.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... 26 Internal Revenue 13 2011-04-01 2011-04-01 false Attained age of the insured under a life...-2 Attained age of the insured under a life insurance contract. (a) In general. This section provides guidance on determining the attained age of an insured under a contract that is a life insurance...

  17. 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...

  18. 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...

  19. 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...

  20. 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...

  1. 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...

  2. 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...

  3. 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...

  4. 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...

  5. 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...

  6. 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...

  7. 26 CFR 1.801-4 - Life insurance reserves.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... 26 Internal Revenue 8 2013-04-01 2013-04-01 false Life insurance reserves. 1.801-4 Section 1.801-4...) INCOME TAXES (CONTINUED) Life Insurance Companies § 1.801-4 Life insurance reserves. (a) Life insurance reserves defined. For purposes of part I, subchapter L, chapter 1 of the Code, the term life...

  8. 26 CFR 1.801-4 - Life insurance reserves.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... 26 Internal Revenue 8 2012-04-01 2012-04-01 false Life insurance reserves. 1.801-4 Section 1.801-4...) INCOME TAXES (CONTINUED) Life Insurance Companies § 1.801-4 Life insurance reserves. (a) Life insurance reserves defined. For purposes of part I, subchapter L, chapter 1 of the Code, the term life...

  9. 26 CFR 1.801-4 - Life insurance reserves.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

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

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

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... 26 Internal Revenue 8 2014-04-01 2014-04-01 false Life insurance reserves. 1.801-4 Section 1.801-4...) INCOME TAXES (CONTINUED) Life Insurance Companies § 1.801-4 Life insurance reserves. (a) Life insurance reserves defined. For purposes of part I, subchapter L, chapter 1 of the Code, the term life...

  11. 26 CFR 1.803-1 - Life insurance reserves.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

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

  12. 26 CFR 1.803-1 - Life insurance reserves.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... 26 Internal Revenue 8 2013-04-01 2013-04-01 false Life insurance reserves. 1.803-1 Section 1.803-1...) INCOME TAXES (CONTINUED) Life Insurance Companies § 1.803-1 Life insurance reserves. (a) The term “life... life insurance, are held to supplement the future premium receipts when the latter, alone,...

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

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... 26 Internal Revenue 8 2012-04-01 2012-04-01 false Life insurance reserves. 1.803-1 Section 1.803-1...) INCOME TAXES (CONTINUED) Life Insurance Companies § 1.803-1 Life insurance reserves. (a) The term “life... life insurance, are held to supplement the future premium receipts when the latter, alone,...

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

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... 26 Internal Revenue 8 2014-04-01 2014-04-01 false Life insurance reserves. 1.803-1 Section 1.803-1...) INCOME TAXES (CONTINUED) Life Insurance Companies § 1.803-1 Life insurance reserves. (a) The term “life... life insurance, are held to supplement the future premium receipts when the latter, alone,...

  15. 76 FR 19150 - Jackson National Life Insurance Company, et al.

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-04-06

    ... Special Counsel, at (202) 551-6795, Office of Insurance Products, Division of Investment Management... 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...

  16. 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...

  17. 78 FR 68103 - Transamerica Life Insurance Company, et al; Notice of Application

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-11-13

    .... Applicants: Transamerica Life Insurance Company (``TLIC''), Transamerica Financial Life Insurance Company...: Transamerica Life Insurance Company and Separate Account VA B, Transamerica Financial Life Insurance Company... COMMISSION Transamerica Life Insurance Company, et al; Notice of Application November 6,......

  18. 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...

  19. 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...

  20. 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...

  1. 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...

  2. 41 CFR 60-250.25 - Health insurance, life insurance and other benefit plans.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

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

  3. 41 CFR 60-300.25 - Health insurance, life insurance and other benefit plans.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

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

  4. 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.

  5. 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

    ... coincided with the implementation of the Federal Employees' Life Insurance Improvement Act, Public Law 105... Basic Employee premium and Option A (all age bands), will not change at this time. These rates will...

  6. 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...

  7. 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...

  8. 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...

  9. 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...

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

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... 48 Federal Acquisition Regulations System 4 2014-10-01 2014-10-01 false Government as Additional....228-5 Government as Additional Insured. As prescribed in 528.310, insert the following clause: Government as Additional Insured (MAY 2009) (a) This clause supplements the requirements set forth in...

  11. A survey of state insurance commissioners concerning genetic testing and life insurance.

    PubMed Central

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

    1992-01-01

    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, we conducted a survey of that group. We received responses from 42 of the 51 jurisdictions. Our 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. PMID:1307229

  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... 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. 26 CFR 20.2042-1 - Proceeds of life insurance.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

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

  14. 26 CFR 20.2042-1 - Proceeds of life insurance.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

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

  15. 26 CFR 20.2042-1 - Proceeds of life insurance.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

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

  16. 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...

  17. 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...

  18. 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…

  19. 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...

  20. 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...

  1. 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...

  2. 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...

  3. 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...

  4. 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...

  5. 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...

  6. 5 CFR 870.706 - Reinstatement of life insurance.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

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

  7. 20 CFR 416.1230 - Exclusion of life insurance.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

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

  8. 41 CFR 60-741.25 - Health insurance, life insurance and other benefit plans.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... Health insurance, life insurance and other benefit plans. (a) An insurer, hospital, or medical service company, health maintenance organization, or any agent or entity that administers benefit plans, or... 41 Public Contracts and Property Management 1 2010-07-01 2010-07-01 true Health insurance,...

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

    PubMed Central

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

    2015-01-01

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

  10. 77 FR 60304 - Servicemembers' Group Life Insurance and Veterans' Group Life Insurance-Slayer's Rule Exclusion

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-10-03

    ... published in the Federal Register (76 FR 77455) a proposed rule to amend VA regulations governing the... AFFAIRS 38 CFR Part 9 RIN 2900-AN40 Servicemembers' Group Life Insurance and Veterans' Group Life... Department of Veterans Affairs (VA) is amending its regulations governing Servicemembers' Group...

  11. 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...

  12. 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...

  13. 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...

  14. 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...

  15. 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...

  16. 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...

  17. 75 FR 18908 - Jackson National Life Insurance Company, et al.

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-04-13

    ... Eisenstein, Branch Chief, at (202) 551-6795, Office of Insurance Products, Division of Investment Management... 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...

  18. 26 CFR 1.831-1 - Tax on insurance companies (other than life or mutual), mutual marine insurance companies, and...

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... 26 Internal Revenue 8 2011-04-01 2011-04-01 false Tax on insurance companies (other than life or... insurance 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...

  19. 26 CFR 1.831-3 - Tax on insurance companies (other than life or mutual), mutual marine insurance companies, mutual...

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... 26 Internal Revenue 8 2012-04-01 2012-04-01 false Tax on insurance companies (other than life or... Companies § 1.831-3 Tax on insurance companies (other than life or mutual), mutual marine insurance...) All insurance companies, other than life or mutual or foreign insurance companies not carrying on...

  20. 26 CFR 1.831-1 - Tax on insurance companies (other than life or mutual), mutual marine insurance companies, and...

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... 26 Internal Revenue 8 2013-04-01 2013-04-01 false Tax on insurance companies (other than life or... insurance 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...

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

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... 26 Internal Revenue 8 2014-04-01 2014-04-01 false Tax on insurance companies (other than life or... insurance 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...

  2. 26 CFR 1.831-1 - Tax on insurance companies (other than life or mutual), mutual marine insurance companies, and...

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... 26 Internal Revenue 8 2012-04-01 2012-04-01 false Tax on insurance companies (other than life or... insurance 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...

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

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... 26 Internal Revenue 8 2011-04-01 2011-04-01 false Tax on insurance companies (other than life or... Companies § 1.831-3 Tax on insurance companies (other than life or mutual), mutual marine insurance...) All insurance companies, other than life or mutual or foreign insurance companies not carrying on...

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

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... 26 Internal Revenue 8 2013-04-01 2013-04-01 false Tax on insurance companies (other than life or... Companies § 1.831-3 Tax on insurance companies (other than life or mutual), mutual marine insurance...) All insurance companies, other than life or mutual or foreign insurance companies not carrying on...

  5. 26 CFR 1.831-3 - Tax on insurance companies (other than life or mutual), mutual marine insurance companies, mutual...

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... 26 Internal Revenue 8 2014-04-01 2014-04-01 false Tax on insurance companies (other than life or... Companies § 1.831-3 Tax on insurance companies (other than life or mutual), mutual marine insurance...) All insurance companies, other than life or mutual or foreign insurance companies not carrying on...

  6. 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...-3 Tax on insurance companies (other than life or mutual), mutual marine insurance companies, mutual... insurance companies, other than life or mutual or foreign insurance companies not carrying on an...

  7. 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…

  8. Life and Health Insurance Industry Investments in Fast Food

    PubMed Central

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

    2010-01-01

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

  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. PMID:20395572

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

    Code of Federal Regulations, 2014 CFR

    2014-04-01

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

  11. 78 FR 38413 - American Family Life Insurance Company, et al.

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-06-26

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

  12. 26 CFR 1.803-1 - Life insurance reserves.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... covered by the premiums are not included in life insurance reserves. Unpaid loss reserves for noncancellable health and accident policies are included in life insurance reserves if they are computed or... liability is computed, life, health, or accident contingencies. (d) In any case where reserves are...

  13. 76 FR 20727 - National Life Insurance Company, et al.

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-04-13

    ...-6753 or Michael Kosoff, Branch Chief, Office of Insurance Products, Division of Investment Management... Variable Insurance Variable Products Money Products Fund V Money Market Fund Market Portfolio Management... COMMISSION National Life Insurance Company, et al. April 7, 2011. AGENCY: Securities and Exchange...

  14. [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

  15. 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. PMID:24797469

  16. 26 CFR 1.831-1 - Tax on insurance companies (other than life or mutual), mutual marine insurance companies, and...

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 26 Internal Revenue 8 2010-04-01 2010-04-01 false Tax on insurance companies (other than life or... 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...

  17. 76 FR 5861 - Medicare, Medicaid, and Children's Health Insurance Programs; Additional Screening Requirements...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-02-02

    ..., and Children's Health Insurance Programs; Additional Screening Requirements, Application Fees..., Medicaid, and Children's Health Insurance Programs; Additional Screening Requirements, Application Fees... Children's Health Insurance Program (CHIP); an application fee imposed on institutional providers...

  18. 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'...

  19. 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...

  20. 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. PMID:19519823

  1. 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......

  2. 75 FR 66806 - Nationwide Life Insurance Company, et al.,

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-10-29

    ...Summary of Application: Applicants seek an order approving the proposed substitutions (the ``Substitutions'') of certain series of Nationwide Variable Insurance Trust (the ``Trust'' or ``NVIT'') for shares of series of other unaffiliated registered investment companies held by the Separate Accounts under certain variable annuity contracts and/or variable life insurance policies issued by the......

  3. 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'' and together, the ``Companies''), Variable Annuity Account B of ING Life Insurance and Annuity...

  4. 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...

  5. 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...

  6. 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...

  7. 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...

  8. 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...

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

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-03-30

    ... (the ``Company''), American Family Variable Account I (the ``Life Account''), and American Family Variable Account II (the ``Annuity Account'') (together, the ``Applicants''). Summary of Application... Variable Insurance Fund (``Vanguard Fund'') for Service Class 2 Shares of the Fidelity Variable...

  11. 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...

  12. 26 CFR 1.821-4 - Tax on mutual insurance companies other than life insurance companies and other than fire, flood...

    Code of Federal Regulations, 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...

  13. 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...

  14. 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...

  15. 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... the proposed collection of information; (3) ways to enhance the quality, utility, and clarity of the... information technology. Title: Claim for Disability Insurance Benefits, Government Life Insurance, VA Form...

  16. 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.

  17. 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...

  18. 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...

  19. 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...

  20. 26 CFR 1.802-4 - Life insurance company taxable income.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

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

  1. 26 CFR 1.802-4 - Life insurance company taxable income.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

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

  2. 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...

  3. 26 CFR 1.802-4 - Life insurance company taxable income.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

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

  4. 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...

  5. 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

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

    PubMed Central

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

    2015-01-01

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

  7. 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. PMID:25242499

  8. 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...

  9. 32 CFR Appendix B to Part 50 - Overseas Life Insurance Registration Program

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ... 32 National Defense 1 2013-07-01 2013-07-01 false Overseas Life Insurance Registration Program B... 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...

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

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ... 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 a. Insurers must demonstrate continuous successful operation in the life insurance business for a period...

  11. 32 CFR Appendix B to Part 50 - Overseas Life Insurance Registration Program

    Code of Federal Regulations, 2012 CFR

    2012-07-01

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

  12. 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...

  13. 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...

  14. 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...

  15. 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. PMID:15378591

  16. 26 CFR 1.802-3 - Tax imposed on life insurance companies.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... life insurance business within the United States if with respect to its United States business it would... insurance companies. Foreign life insurance companies not carrying on an insurance business within the..., inclusive, are applicable to the assessment and collection of the tax imposed by section 802(a), and...

  17. 31 CFR 515.526 - Transactions involving blocked life insurance policies.

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ... blocked life insurance policy shall mean any life insurance policy or annuity contract, or contract... 31 Money and Finance:Treasury 3 2012-07-01 2012-07-01 false Transactions involving blocked life... blocked life insurance policies. (a) The following transactions are hereby authorized: (1) The payment...

  18. 31 CFR 515.526 - Transactions involving blocked life insurance policies.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ... blocked life insurance policy shall mean any life insurance policy or annuity contract, or contract... 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...

  19. 31 CFR 515.526 - Transactions involving blocked life insurance policies.

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ... blocked life insurance policy shall mean any life insurance policy or annuity contract, or contract... 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...

  20. 31 CFR 515.526 - Transactions involving blocked life insurance policies.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... blocked life insurance policy shall mean any life insurance policy or annuity contract, or contract... 31 Money and Finance:Treasury 3 2011-07-01 2011-07-01 false Transactions involving blocked life... blocked life insurance policies. (a) The following transactions are hereby authorized: (1) The payment...

  1. 76 FR 401 - MetLife Insurance Company of Connecticut, et al.

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-01-04

    ..., Branch Chief, Office of Insurance Products, Division of Investment Management, at (202) 551-6795... COMMISSION MetLife Insurance Company of Connecticut, et al. December 28, 2010. AGENCY: Securities and...: MetLife Insurance Company of Connecticut (``MetLife of CT''), MetLife of CT Separate Account...

  2. 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...

  3. 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...

  4. 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...

  5. 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...

  6. 26 CFR 1.802-3 - Tax imposed on life insurance companies.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

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

  7. 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...

  8. 26 CFR 1.802(b)-1 - Tax on life insurance companies.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... 26 Internal Revenue 8 2014-04-01 2014-04-01 false Tax on life insurance companies. 1.802(b)-1...) INCOME TAX (CONTINUED) INCOME TAXES (CONTINUED) Life Insurance Companies § 1.802(b)-1 Tax on life..., and ending after August 16, 1954, section 802(b) imposes a tax on the 1954 life insurance...

  9. 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

  10. 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

    ... to provide information upon which the insurance premium can be based. VMIL provides financial... AFFAIRS Agency Information Collection (Veterans Mortgage Life Insurance Statement) Activity Under OMB... ``OMB Control No. 2900-0212.'' SUPPLEMENTARY INFORMATION: Title: Veterans Mortgage Life...

  11. 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…

  12. 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...

  13. 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...

  14. 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...

  15. 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

    ... 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...

  16. 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

    ... 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...

  17. 26 CFR 1.821-3 - Tax on mutual insurance companies other than life or marine or fire insurance companies subject...

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... 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...

  18. 26 CFR 1.72-16 - Life insurance contracts purchased under qualified employee plans.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... 26 Internal Revenue 2 2011-04-01 2011-04-01 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...

  19. 26 CFR 1.72-16 - Life insurance contracts purchased under qualified employee plans.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

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

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

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... 26 Internal Revenue 2 2014-04-01 2014-04-01 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. 26 CFR 1.72-16 - Life insurance contracts purchased under qualified employee plans.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

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

  2. 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...

  3. 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....

  4. 26 CFR 1.61-22 - Taxation of split-dollar life insurance arrangements.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

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

  5. 26 CFR 1.381(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 §...

  6. 78 FR 65393 - Ameritas Life Insurance Corp., et al; Notice of Application

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-10-31

    ... Life Insurance Companies reserve this right. 6. CVSI is an open-end management investment company (File... Portfolio were not motivated by any financial consideration paid or to be paid to a Life Insurance Company... COMMISSION Ameritas Life Insurance Corp., et al; Notice of Application October 25, 2013. AGENCY:...

  7. 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,...

  8. 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...

  9. 78 FR 5841 - Symetra Life Insurance Company, et al.; Notice of Application

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-01-28

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

  10. 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...

  11. 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...

  12. 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,...

  13. 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....

  14. 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....

  15. 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....

  16. 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....

  17. 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 §...

  18. 32 CFR Appendix A to Part 50 - Life Insurance Products and Securities

    Code of Federal Regulations, 2011 CFR

    2011-07-01

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

  19. 32 CFR Appendix A to Part 50 - Life Insurance Products and Securities

    Code of Federal Regulations, 2013 CFR

    2013-07-01

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

  20. 32 CFR Appendix A to Part 50 - Life Insurance Products and Securities

    Code of Federal Regulations, 2014 CFR

    2014-07-01

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

  1. 78 FR 58264 - Servicemembers' Group Life Insurance and Veterans' Group Life Insurance Information Access

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-09-23

    ...), published at 75 FR 65405, October 22, 2010. We also note that the provisions of 38 U.S.C. 5701, Confidential... insurance, Military personnel, Veterans. Dated: September 17, 2013. Robert C. McFetridge, Director... private sector, of $100 million or more (adjusted annually for inflation) in any one year. This...

  2. 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

  3. 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.

  4. 75 FR 75708 - American United Life Insurance Company, et al.; Notice of Application

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-12-06

    ... Insurance Products, Division of Investment Management, SEC, at (202) 551-6763, or Zandra Bailes, Branch... 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...

  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

    ... which the insurance premium can be based. VMIL provides financial protection to cover eligible veterans... 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...

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

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-04-24

    ... Account; or (ii) in the judgment of the Insurance Company's management, further investment in such... 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...

  7. 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...

  8. 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...

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

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-02-17

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

  10. 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...

  11. 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...

  12. 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...

  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, 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...

  15. [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) PMID:2734988

  16. 77 FR 3810 - New York Life Insurance and Annuity Corporation, et al., Notice of Application

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-01-25

    ... COMMISSION New York Life Insurance and Annuity Corporation, et al., Notice of Application January 19, 2012... Section 17(b) of the 1940 Act from Section 17(a) of the 1940 Act. Applicants: New York Life Insurance and...''), NYLIAC Variable Annuity Separate Account--IV (``VA IV''), NYLIAC Variable Universal Life Separate...

  17. 26 CFR 1.817-5 - Diversification requirements for variable annuity, endowment, and life insurance contracts.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

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

  18. 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...

  19. 26 CFR 1.817-5 - Diversification requirements for variable annuity, endowment, and life insurance contracts.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

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

  20. 26 CFR 1.804-4 - Investment yield of a life insurance company.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... 26 Internal Revenue 8 2012-04-01 2012-04-01 false Investment yield of a life insurance company. 1...) 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...

  1. 26 CFR 1.804-4 - Investment yield of a life insurance company.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... 26 Internal Revenue 8 2013-04-01 2013-04-01 false Investment yield of a life insurance company. 1...) 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...

  2. 26 CFR 1.817-5 - Diversification requirements for variable annuity, endowment, and life insurance contracts.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

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

  3. 26 CFR 1.804-4 - Investment yield of a life insurance company.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... 26 Internal Revenue 8 2014-04-01 2014-04-01 false Investment yield of a life insurance company. 1...) INCOME TAX (CONTINUED) INCOME TAXES (CONTINUED) Investment Income § 1.804-4 Investment yield of a life... life insurance company for purposes of part I, subchapter L, chapter 1 of the Code. Investment...

  4. 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...

  5. 26 CFR 1. 6039I-1 - Reporting of certain employer-owned life insurance contracts.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ...-owned life insurance contracts issued after August 17, 2006, must provide the information required under... 26 Internal Revenue 13 2010-04-01 2010-04-01 false Reporting of certain employer-owned life... Reporting of certain employer-owned life insurance contracts. (a) Requirement to report. Section...

  6. 75 FR 39994 - AXA Equitable Life Insurance Company, et al.; Notice of Application

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-07-13

    ..., Branch Chief, Office of Insurance Products, Division of Investment Management at (202) 551-6795... considered the Insurance Company's size, financial condition, and its reputation for service in selecting... COMMISSION AXA Equitable Life Insurance Company, et al.; Notice of Application July 7, 2010....

  7. 26 CFR 1.79-1 - Group-term life insurance-general rules.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... that does not provide general death benefits, such as travel insurance or accident and health insurance... provides a general death benefit that is excludable from gross income under section 101(a). (2) It is... precludes individual selection. (b) May group-term life insurance be combined with other benefits? No...

  8. '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? PMID:16552918

  9. 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.

  10. 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... enhance the quality, utility, and clarity of the information to be collected; and (4) ways to minimize...

  11. 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... the proposed collection of information; (3) ways to enhance the quality, utility, and clarity of...

  12. 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...'s estimate of the burden of the proposed collection of information; (3) ways to enhance the...

  13. 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... quality, utility, and clarity of the information to be collected; and (4) ways to minimize the burden...

  14. 76 FR 36583 - Submission for Review: Life Insurance Election, Standard Form 2817

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-06-22

    ... collection was previously published in the Federal Register on April 5, 2011 at Volume 76 FR 18810 allowing... 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....

  15. 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... corporation, the investment yield and mean of the assets of the distributor or transferor corporation for...

  16. 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... corporation, the investment yield and mean of the assets of the distributor or transferor corporation for...

  17. 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... corporation, the investment yield and mean of the assets of the distributor or transferor corporation for...

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

  19. 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... corporation, the investment yield and mean of the assets of the distributor or transferor corporation for...

  20. 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...

  1. 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...

  2. 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...

  3. 5 CFR 352.309 - Retirement, health benefits, and group life insurance.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 5 Administrative Personnel 1 2011-01-01 2011-01-01 false Retirement, health benefits, and group... Organizations § 352.309 Retirement, health benefits, and group life insurance. (a) Agency action. An employee... entitled to retain coverage for retirement, health benefits, and group life insurance purposes if he or...

  4. 5 CFR 352.309 - Retirement, health benefits, and group life insurance.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 5 Administrative Personnel 1 2010-01-01 2010-01-01 false Retirement, health benefits, and group... Organizations § 352.309 Retirement, health benefits, and group life insurance. (a) Agency action. An employee... entitled to retain coverage for retirement, health benefits, and group life insurance purposes if he or...

  5. 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... desires monthly installment in lieu of one lump payment he or she must complete VA Forms 29-4125a and...

  6. 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... desires monthly installment in lieu of one lump payment he or she must complete VA Forms 29-4125a and...

  7. 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... desires monthly installment in lieu of one lump payment he or she must complete VA Forms 29-4125a and...

  8. 75 FR 73166 - Agency Information Collection (Claim for One Sum Payment (Government Life Insurance)) Activities...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-11-29

    ... AFFAIRS Agency Information Collection (Claim for One Sum Payment (Government Life Insurance)) Activities... Control No. 2900- 0060.'' SUPPLEMENTARY INFORMATION: Titles: a. Claim for One Sum Payment (Government Life... veteran's Government Insurance policies. If the beneficiary desires monthly installment in lieu of...

  9. 26 CFR 1.594-1 - Mutual savings banks conducting life insurance business.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

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

  10. 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...

  11. 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... Docket Management System (FDMS) at http://www.Regulations.gov ; or to Nancy J. Kessinger, Veterans...: Application for Conversion (Government Life Insurance), VA Form 29-0152. OMB Control Number: 2900-0149....

  12. 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... Docket Management System (FDMS) at www.Regulations.gov ; or to Nancy J. Kessinger, Veterans Benefits...: Application for Conversion (Government Life Insurance), VA Form 29-0152. OMB Control Number: 2900-0149....

  13. 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 annuity contracts. 1.264-2 Section 1.264-2 Internal Revenue INTERNAL REVENUE SERVICE, DEPARTMENT OF THE TREASURY (CONTINUED) INCOME TAX (CONTINUED) INCOME TAXES Items Not Deductible § 1.264-2 Single premium life insurance, endowment, or...

  14. 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 Program--Genitourinary Losses AGENCY: Department of Veterans Affairs. ACTION: Final rule. SUMMARY: The... Servicemembers' Group Life Insurance Traumatic Injury Protection (TSGLI) program by adding certain...

  15. 77 FR 37839 - Veterans' Group Life Insurance (VGLI) No-Health Period Extension

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-06-25

    ... valuable insurance coverage that is needed to help ensure financial security for their families, while... 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...

  16. 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...

  17. 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...

  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, 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...

  20. 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

  1. 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

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

  3. 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...

  4. 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

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

  5. 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

    ... 26 Internal Revenue 2 2011-04-01 2011-04-01 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...

  6. 27 CFR 70.164 - Surrender of property subject to levy in the case of life insurance and endowment contracts.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... 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...

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

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... 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...

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

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... 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...

  9. 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

    ... 26 Internal Revenue 2 2014-04-01 2014-04-01 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...

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

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... 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...

  11. 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,…

  12. 26 CFR 1.804-3 - Gross investment income of a life insurance company.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... company. 1.804-3 Section 1.804-3 Internal Revenue INTERNAL REVENUE SERVICE, DEPARTMENT OF THE TREASURY... insurance company. (a) Gross investment income defined. For purposes of part I, subchapter L, chapter 1 of the Code, section 804(b) defines the term gross investment income of a life insurance company as...

  13. 26 CFR 1.381(c)(22)-1 - Successor life insurance company.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 26 Internal Revenue 4 2010-04-01 2010-04-01 false Successor life insurance company. 1.381(c)(22)-1... company. (a) Carryover requirement. If in a taxable year beginning after December 31, 1957, a distributor or transferor corporation which is an insurance company is acquired by a corporation which is...

  14. 26 CFR 1.61-22 - Taxation of split-dollar life insurance arrangements.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... (CONTINUED) INCOME TAX (CONTINUED) INCOME TAXES (CONTINUED) Definition of Gross Income, Adjusted Gross Income, and Taxable Income § 1.61-22 Taxation of split-dollar life insurance arrangements. (a) Scope—(1) In... purposes of the income tax, the gift tax, the Federal Insurance Contributions Act (FICA), the...

  15. 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...

  16. 75 FR 16205 - MetLife Insurance Company of Connecticut, et al.

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-03-31

    ...Summary of Application: Applicants seek an order approving the substitution of certain series of the Investment Companies for shares of series of other unaffiliated registered investment companies held by the Separate Accounts to fund certain group and individual variable annuity contracts and variable life insurance policies issued by the Insurance Companies (collectively, the ``Contracts'').......

  17. 77 FR 73700 - Mutual of America Life Insurance Company, et al;

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-12-11

    ... Vanguard International Portfolio (``Replacement International Fund'') of the Vanguard Variable Insurance... Fund'') of the DWS Variable Series I (``DWS Fund''), and (b) the Mutual of America Bond Fund... Bond Fund'') of the DWS Fund, under certain variable life insurance and annuity contracts issued by...

  18. 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…

  19. 26 CFR 1.7702-2 - Attained age of the insured under a life insurance contract.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    .... Because X is younger than Y, the attained age of X must be used for purposes of sections 7702(c)(4), 7702... (the younger of the two insureds) dies in 2012. After X's death, both the cash value and...

  20. 26 CFR 1.79-0 - Group-term life insurance-definitions of certain terms.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ...) A feature under which term life insurance is provided at a level premium for a period of five years.... The actuarial sufficiency of the premium charged for each obligation is not taken into account...

  1. 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)

  2. 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

    ... payment of $2,000 per year for life and for the same amount to be paid after A's death to B for B's life... deferred payments of life insurance proceeds. 1.101-7 Section 1.101-7 Internal Revenue INTERNAL REVENUE... payments of life insurance proceeds. (a) Mortality table. Notwithstanding any provision of § 1.101-4...

  3. 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

  4. 12 CFR 713.7 - May the NCUA Board require a credit union to secure additional insurance coverage?

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... 12 Banks and Banking 7 2012-01-01 2012-01-01 false May the NCUA Board require a credit union to secure additional insurance coverage? 713.7 Section 713.7 Banks and Banking NATIONAL CREDIT UNION... § 713.7 May the NCUA Board require a credit union to secure additional insurance coverage? The...

  5. 12 CFR 713.7 - May the NCUA Board require a credit union to secure additional insurance coverage?

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 12 Banks and Banking 6 2011-01-01 2011-01-01 false May the NCUA Board require a credit union to secure additional insurance coverage? 713.7 Section 713.7 Banks and Banking NATIONAL CREDIT UNION... § 713.7 May the NCUA Board require a credit union to secure additional insurance coverage? The...

  6. 12 CFR 713.7 - May the NCUA Board require a credit union to secure additional insurance coverage?

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 12 Banks and Banking 7 2013-01-01 2013-01-01 false May the NCUA Board require a credit union to secure additional insurance coverage? 713.7 Section 713.7 Banks and Banking NATIONAL CREDIT UNION... § 713.7 May the NCUA Board require a credit union to secure additional insurance coverage? The...

  7. 12 CFR 713.7 - May the NCUA Board require a credit union to secure additional insurance coverage?

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 12 Banks and Banking 7 2014-01-01 2014-01-01 false May the NCUA Board require a credit union to secure additional insurance coverage? 713.7 Section 713.7 Banks and Banking NATIONAL CREDIT UNION... § 713.7 May the NCUA Board require a credit union to secure additional insurance coverage? The...

  8. 12 CFR 713.7 - May the NCUA Board require a credit union to secure additional insurance coverage?

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false May the NCUA Board require a credit union to secure additional insurance coverage? 713.7 Section 713.7 Banks and Banking NATIONAL CREDIT UNION... § 713.7 May the NCUA Board require a credit union to secure additional insurance coverage? The...

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

    Code of Federal Regulations, 2013 CFR

    2013-04-01

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

  10. 26 CFR 1.264-4 - Other life insurance, endowment, or annuity contracts.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

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

  11. 26 CFR 1.264-4 - Other life insurance, endowment, or annuity contracts.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

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

  12. 26 CFR 1.264-4 - Other life insurance, endowment, or annuity contracts.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

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

  13. 78 FR 53175 - The Northwestern Mutual Life Insurance Company, et al.;

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-08-28

    ...''). CSAM is part of the asset management business of Credit Suisse Group AG, a worldwide bank and financial... 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...

  14. 26 CFR 1.802(b)-1 - Tax on life insurance companies.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... business within the United States if with respect to its United States business it would qualify as a life..., inclusive, are applicable to the assessment and collection of the tax imposed by section 802, and life... not carrying on an insurance business within the United States are not taxable under section 802,...

  15. 26 CFR 1.79-1 - Group-term life insurance-general rules.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... provided in 26 CFR 1.79-1(g) (revised as of April 1, 1983) with respect to insurance provided in employee... taxable years beginning after December 31, 1982. See 26 CFR 1.79-1 through 1.79-3 (revised as of April 1... 26 Internal Revenue 2 2013-04-01 2013-04-01 false Group-term life insurance-general rules....

  16. 26 CFR 1.79-1 - Group-term life insurance-general rules.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... provided in 26 CFR 1.79-1(g) (revised as of April 1, 1983) with respect to insurance provided in employee... taxable years beginning after December 31, 1982. See 26 CFR 1.79-1 through 1.79-3 (revised as of April 1... 26 Internal Revenue 2 2012-04-01 2012-04-01 false Group-term life insurance-general rules....

  17. 26 CFR 1.821-1 - Tax on mutual insurance companies other than life or marine or fire insurance companies subject...

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... 26 Internal Revenue 8 2012-04-01 2012-04-01 false Tax on mutual insurance companies other than life or marine or fire insurance companies subject to the tax imposed by section 831. 1.821-1 Section 1.821-1 Internal Revenue INTERNAL REVENUE SERVICE, DEPARTMENT OF THE TREASURY (CONTINUED) INCOME TAX (CONTINUED) INCOME TAXES (CONTINUED)...

  18. 26 CFR 1.821-3 - Tax on mutual insurance companies other than life or marine or fire insurance companies subject...

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... 26 Internal Revenue 8 2012-04-01 2012-04-01 false Tax on mutual insurance companies other than life or marine or fire insurance companies subject to the tax imposed by section 831. 1.821-3 Section 1.821-3 Internal Revenue INTERNAL REVENUE SERVICE, DEPARTMENT OF THE TREASURY (CONTINUED) INCOME TAX (CONTINUED) INCOME TAXES (CONTINUED)...

  19. 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. PMID:19569397

  20. 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

    ... payment of $2,000 per year for life and for the same amount to be paid after A's death to B for B's life... to amounts received with respect to deaths occurring after October 22, 1986, in taxable years ending... insured's death. If A is 59 years of age at the time of the insured's death, the period with respect...

  1. 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

    ... payment of $2,000 per year for life and for the same amount to be paid after A's death to B for B's life... to amounts received with respect to deaths occurring after October 22, 1986, in taxable years ending... insured's death. If A is 59 years of age at the time of the insured's death, the period with respect...

  2. 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

    ... payment of $2,000 per year for life and for the same amount to be paid after A's death to B for B's life... to amounts received with respect to deaths occurring after October 22, 1986, in taxable years ending... insured's death. If A is 59 years of age at the time of the insured's death, the period with respect...

  3. 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

    ... payment of $2,000 per year for life and for the same amount to be paid after A's death to B for B's life... to amounts received with respect to deaths occurring after October 22, 1986, in taxable years ending... insured's death. If A is 59 years of age at the time of the insured's death, the period with respect...

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

    Code of Federal Regulations, 2012 CFR

    2012-04-01

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

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

    ERIC Educational Resources Information Center

    Fan, Chiang Ku; Cheng, Chen-Liang

    2006-01-01

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

  6. 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...

  7. A survey of medical directors of life insurance companies concerning use of genetic information.

    PubMed Central

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

    1993-01-01

    Rapid advances in our ability to test persons presymptomatically for genetic diseases have generated increasing concern that genetic information will be abused by insurance companies. Reasoning that the insurance companies may have the strongest interest in using genetic data and that the medical directors of those companies with responsibility for rating applicants would be a good source of information on the use of such data, we conducted a large survey of medical directors of North American life insurance companies. We received responses from 27 medical directors. Our results suggest that (1) few insurers perform genetic tests on applicants, but most are interested in accessing genetic test information about applicants that already exists; (2) the degree of insurers' interest in using genetic test results may depend on the face amount of the policy applied for and on the specificity and sensitivity of the test; (3) many companies employ underwriting guidelines with respect to certain genetic conditions but may not always have specific actuarial data in house to support their rating decisions; (4) a considerable degree of subjectivity is involved in most insurers' rating decisions; and (5) some of the medical directors who responded to our survey are not fully informed about certain basic principles of medical genetics. PMID:8317496

  8. 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... enhance the quality, utility, and clarity of the information to be collected; and (4) ways to minimize the... techniques or the use of other forms of information technology. Titles: a. Application for Ordinary...

  9. 31 CFR 515.526 - Transactions involving blocked life insurance policies.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 31 Money and Finance: Treasury 3 2010-07-01 2010-07-01 false Transactions involving blocked life insurance policies. 515.526 Section 515.526 Money and Finance: Treasury Regulations Relating to Money and Finance (Continued) OFFICE OF FOREIGN ASSETS CONTROL, DEPARTMENT OF THE TREASURY CUBAN ASSETS CONTROL REGULATIONS Licenses, Authorizations,...

  10. 31 CFR 500.526 - Transactions involving blocked life insurance policies.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 31 Money and Finance: Treasury 3 2010-07-01 2010-07-01 false Transactions involving blocked life insurance policies. 500.526 Section 500.526 Money and Finance: Treasury Regulations Relating to Money and Finance (Continued) OFFICE OF FOREIGN ASSETS CONTROL, DEPARTMENT OF THE TREASURY FOREIGN ASSETS CONTROL REGULATIONS Licenses, Authorizations...

  11. 17 CFR 270.6e-2 - Exemptions for certain variable life insurance separate accounts.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... 17 Commodity and Securities Exchanges 3 2013-04-01 2013-04-01 false Exemptions for certain variable life insurance separate accounts. 270.6e-2 Section 270.6e-2 Commodity and Securities Exchanges SECURITIES AND EXCHANGE COMMISSION (CONTINUED) RULES AND REGULATIONS, INVESTMENT COMPANY ACT OF 1940 § 270.6e-2 Exemptions for certain variable...

  12. 5 CFR 352.309 - Retirement, health benefits, and group life insurance.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 5 Administrative Personnel 1 2014-01-01 2014-01-01 false Retirement, health benefits, and group life insurance. 352.309 Section 352.309 Administrative Personnel OFFICE OF PERSONNEL MANAGEMENT CIVIL SERVICE REGULATIONS REEMPLOYMENT RIGHTS Detail and Transfer of Federal Employees to International Organizations § 352.309 Retirement, health...

  13. 5 CFR 352.309 - Retirement, health benefits, and group life insurance.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 5 Administrative Personnel 1 2013-01-01 2013-01-01 false Retirement, health benefits, and group life insurance. 352.309 Section 352.309 Administrative Personnel OFFICE OF PERSONNEL MANAGEMENT CIVIL SERVICE REGULATIONS REEMPLOYMENT RIGHTS Detail and Transfer of Federal Employees to International Organizations § 352.309 Retirement, health...

  14. 5 CFR 352.309 - Retirement, health benefits, and group life insurance.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... 5 Administrative Personnel 1 2012-01-01 2012-01-01 false Retirement, health benefits, and group life insurance. 352.309 Section 352.309 Administrative Personnel OFFICE OF PERSONNEL MANAGEMENT CIVIL SERVICE REGULATIONS REEMPLOYMENT RIGHTS Detail and Transfer of Federal Employees to International Organizations § 352.309 Retirement, health...

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

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... 26 Internal Revenue 2 2011-04-01 2011-04-01 false Taxation of split-dollar life insurance arrangements. 1.61-22 Section 1.61-22 Internal Revenue INTERNAL REVENUE SERVICE, DEPARTMENT OF THE TREASURY (CONTINUED) INCOME TAX (CONTINUED) INCOME TAXES (CONTINUED) Definition of Gross Income, Adjusted Gross Income, and Taxable Income § 1.61-22...

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

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... 26 Internal Revenue 2 2014-04-01 2014-04-01 false Taxation of split-dollar life insurance arrangements. 1.61-22 Section 1.61-22 Internal Revenue INTERNAL REVENUE SERVICE, DEPARTMENT OF THE TREASURY (CONTINUED) INCOME TAX (CONTINUED) INCOME TAXES (CONTINUED) Definition of Gross Income, Adjusted Gross Income, and Taxable Income § 1.61-22...

  17. 26 CFR 1.61-22 - Taxation of split-dollar life insurance arrangements.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... 26 Internal Revenue 2 2012-04-01 2012-04-01 false Taxation of split-dollar life insurance arrangements. 1.61-22 Section 1.61-22 Internal Revenue INTERNAL REVENUE SERVICE, DEPARTMENT OF THE TREASURY (CONTINUED) INCOME TAX (CONTINUED) INCOME TAXES (CONTINUED) Definition of Gross Income, Adjusted Gross Income, and Taxable Income § 1.61-22...

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

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 18 Conservation of Power and Water Resources 1 2010-04-01 2010-04-01 false Account 426.2, Life insurance. 367.4262 Section 367.4262 Conservation of Power and Water Resources FEDERAL ENERGY REGULATORY COMMISSION, DEPARTMENT OF ENERGY REGULATIONS UNDER THE PUBLIC UTILITY HOLDING COMPANY ACT OF 2005,...

  19. 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 insurance. 367.4262 Section 367.4262 Conservation of Power and Water Resources FEDERAL ENERGY REGULATORY COMMISSION, DEPARTMENT OF ENERGY REGULATIONS UNDER THE PUBLIC UTILITY HOLDING COMPANY ACT OF 2005,...

  20. 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 insurance. 367.4262 Section 367.4262 Conservation of Power and Water Resources FEDERAL ENERGY REGULATORY COMMISSION, DEPARTMENT OF ENERGY REGULATIONS UNDER THE PUBLIC UTILITY HOLDING COMPANY ACT OF 2005,...

  1. 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 insurance. 367.4262 Section 367.4262 Conservation of Power and Water Resources FEDERAL ENERGY REGULATORY COMMISSION, DEPARTMENT OF ENERGY REGULATIONS UNDER THE PUBLIC UTILITY HOLDING COMPANY ACT OF 2005,...

  2. 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 insurance. 367.4262 Section 367.4262 Conservation of Power and Water Resources FEDERAL ENERGY REGULATORY COMMISSION, DEPARTMENT OF ENERGY REGULATIONS UNDER THE PUBLIC UTILITY HOLDING COMPANY ACT OF 2005,...

  3. 12 CFR 2.3 - Distribution of credit life insurance income.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... employed by a third party that has contracted with the bank on an arm's-length basis to sell financial... 12 Banks and Banking 1 2010-01-01 2010-01-01 false Distribution of credit life insurance income. 2.3 Section 2.3 Banks and Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE TREASURY SALES...

  4. 12 CFR 2.3 - Distribution of credit life insurance income.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... employed by a third party that has contracted with the bank on an arm's-length basis to sell financial... 12 Banks and Banking 1 2014-01-01 2014-01-01 false Distribution of credit life insurance income. 2.3 Section 2.3 Banks and Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE TREASURY SALES...

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

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... employed by a third party that has contracted with the bank on an arm's-length basis to sell financial... 12 Banks and Banking 1 2013-01-01 2013-01-01 false Distribution of credit life insurance income. 2.3 Section 2.3 Banks and Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE TREASURY SALES...

  6. 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

  7. 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... OF DECEDENTS DYING AFTER AUGUST 16, 1954 Taxable Estate § 20.2056(b)-6 Marital deduction; life... consists of proceeds held by an insurer under the terms of a life insurance, endowment, or annuity...

  8. 26 CFR 301.6332-2 - Surrender of property subject to levy in the case of life insurance and endowment contracts.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... 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...

  9. 26 CFR 20.2056(b)-6 - Marital deduction; life insurance or annuity payments with power of appointment in surviving spouse.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... 26 Internal Revenue 14 2011-04-01 2010-04-01 true Marital deduction; life insurance or annuity... OF DECEDENTS DYING AFTER AUGUST 16, 1954 Taxable Estate § 20.2056(b)-6 Marital deduction; life... consists of proceeds held by an insurer under the terms of a life insurance, endowment, or annuity...

  10. 26 CFR 301.6332-2 - Surrender of property subject to levy in the case of life insurance and endowment contracts.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... 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...

  11. 26 CFR 20.2056(b)-6 - Marital deduction; life insurance or annuity payments with power of appointment in surviving spouse.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... 26 Internal Revenue 14 2013-04-01 2013-04-01 false Marital deduction; life insurance or annuity... OF DECEDENTS DYING AFTER AUGUST 16, 1954 Taxable Estate § 20.2056(b)-6 Marital deduction; life... consists of proceeds held by an insurer under the terms of a life insurance, endowment, or annuity...

  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, 2012 CFR

    2012-04-01

    ... 26 Internal Revenue 14 2012-04-01 2012-04-01 false Marital deduction; life insurance or annuity... OF DECEDENTS DYING AFTER AUGUST 16, 1954 Taxable Estate § 20.2056(b)-6 Marital deduction; life... consists of proceeds held by an insurer under the terms of a life insurance, endowment, or annuity...

  13. 26 CFR 20.2056(b)-6 - Marital deduction; life insurance or annuity payments with power of appointment in surviving spouse.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... 26 Internal Revenue 14 2014-04-01 2013-04-01 true Marital deduction; life insurance or annuity... OF DECEDENTS DYING AFTER AUGUST 16, 1954 Taxable Estate § 20.2056(b)-6 Marital deduction; life... consists of proceeds held by an insurer under the terms of a life insurance, endowment, or annuity...

  14. 26 CFR 301.6332-2 - Surrender of property subject to levy in the case of life insurance and endowment contracts.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... 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...

  15. 26 CFR 301.6332-2 - Surrender of property subject to levy in the case of life insurance and endowment contracts.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... 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...

  16. 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...

  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, 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...

  18. 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...

  19. 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...

  20. 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

    ... 26 Internal Revenue 2 2010-04-01 2010-04-01 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...

  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, 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...

  2. 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.

  3. 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

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

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

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 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, 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...

  6. Can Additional Homeopathic Treatment Save Costs? A Retrospective Cost-Analysis Based on 44500 Insured Persons

    PubMed Central

    Ostermann, Julia K.; Reinhold, Thomas; Witt, Claudia M.

    2015-01-01

    Objectives The aim of this study was to compare the health care costs for patients using additional homeopathic treatment (homeopathy group) with the costs for those receiving usual care (control group). Methods Cost data provided by a large German statutory health insurance company were retrospectively analysed from the societal perspective (primary outcome) and from the statutory health insurance perspective. Patients in both groups were matched using a propensity score matching procedure based on socio-demographic variables as well as costs, number of hospital stays and sick leave days in the previous 12 months. Total cumulative costs over 18 months were compared between the groups with an analysis of covariance (adjusted for baseline costs) across diagnoses and for six specific diagnoses (depression, migraine, allergic rhinitis, asthma, atopic dermatitis, and headache). Results Data from 44,550 patients (67.3% females) were available for analysis. From the societal perspective, total costs after 18 months were higher in the homeopathy group (adj. mean: EUR 7,207.72 [95% CI 7,001.14–7,414.29]) than in the control group (EUR 5,857.56 [5,650.98–6,064.13]; p<0.0001) with the largest differences between groups for productivity loss (homeopathy EUR 3,698.00 [3,586.48–3,809.53] vs. control EUR 3,092.84 [2,981.31–3,204.37]) and outpatient care costs (homeopathy EUR 1,088.25 [1,073.90–1,102.59] vs. control EUR 867.87 [853.52–882.21]). Group differences decreased over time. For all diagnoses, costs were higher in the homeopathy group than in the control group, although this difference was not always statistically significant. Conclusion Compared with usual care, additional homeopathic treatment was associated with significantly higher costs. These analyses did not confirm previously observed cost savings resulting from the use of homeopathy in the health care system. PMID:26230412

  7. 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…

  8. 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.

  9. 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.

  10. 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.

  11. 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...; the insured individual cannot cancel (or reduce) insurance after making an assignment. (b)...

  12. 26 CFR 1.6052-1 - Information returns regarding payment of wages in the form of group-term life insurance.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

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

  13. 26 CFR 1.6052-1 - Information returns regarding payment of wages in the form of group-term life insurance.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

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

  14. 26 CFR 1.6052-1 - Information returns regarding payment of wages in the form of group-term life insurance.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

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

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

    Code of Federal Regulations, 2014 CFR

    2014-04-01

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

  16. 26 CFR 25.2512-6 - Valuation of certain life insurance and annuity contracts; valuation of shares in an open-end...

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... 26 Internal Revenue 14 2014-04-01 2013-04-01 true 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...

  17. 26 CFR 25.2512-6 - Valuation of certain life insurance and annuity contracts; valuation of shares in an open-end...

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... 26 Internal Revenue 14 2013-04-01 2013-04-01 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...

  18. 26 CFR 25.2512-6 - Valuation of certain life insurance and annuity contracts; valuation of shares in an open-end...

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... 26 Internal Revenue 14 2012-04-01 2012-04-01 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...

  19. 75 FR 58203 - Medicare, Medicaid, and Children's Health Insurance Programs; Additional Screening Requirements...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-09-23

    ...This proposed rule would implement provisions of the Affordable Care Act that establish: Procedures under which screening is conducted for providers of medical or other services and suppliers in the Medicare program, providers in the Medicaid program, and providers in the Children's Health Insurance Program (CHIP); an application fee to be imposed on providers and suppliers; temporary......

  20. 26 CFR 31.6001-2 - Additional records under Federal Insurance Contributions Act.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

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

  1. 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...

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

    Code of Federal Regulations, 2010 CFR

    2010-04-01

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

  3. 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

  4. 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.

  5. 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.

  6. 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

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

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... 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...

  8. 26 CFR 25.2512-6 - Valuation of certain life insurance and annuity contracts; valuation of shares in an open-end...

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... comparable contracts. As valuation of an insurance policy through sale of comparable contracts is not readily... annually for the life of a person 50 years of age. Example (3). A donor owning a life insurance policy on which no further payments are to be made to the company (e.g., a single premium policy or paid-up...

  9. 17 CFR 270.6e-3(T) - Temporary exemptions for flexible premium variable life insurance separate accounts.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... 17 Commodity and Securities Exchanges 3 2013-04-01 2013-04-01 false Temporary exemptions for flexible premium variable life insurance separate accounts. 270.6e-3(T) Section 270.6e-3(T) Commodity and Securities Exchanges SECURITIES AND EXCHANGE COMMISSION (CONTINUED) RULES AND REGULATIONS, INVESTMENT COMPANY ACT OF 1940 § 270.6e-3(T)...

  10. 26 CFR 1.818-4 - Election with respect to life insurance reserves computed on preliminary term basis.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... 26 Internal Revenue 8 2014-04-01 2014-04-01 false Election with respect to life insurance reserves computed on preliminary term basis. 1.818-4 Section 1.818-4 Internal Revenue INTERNAL REVENUE SERVICE, DEPARTMENT OF THE TREASURY (CONTINUED) INCOME TAX (CONTINUED) INCOME TAXES (CONTINUED) Miscellaneous Provisions § 1.818-4 Election with respect...

  11. 26 CFR 1.821-1 - Tax on mutual insurance companies other than life or marine or fire insurance companies subject...

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... companies, including foreign insurance companies carrying on an insurance business within the United States... mutual insurance companies not carrying on an insurance business within the United States are not taxable... (a) to (c) inclusive, may be illustrated by the following examples: Example 1. The W Company,...

  12. 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. PMID:22404391

  13. Racial differences in quality of life and employment outcomes in insured women with breast cancer

    PubMed Central

    Bradley, Cathy J.; Wilk, Amber

    2013-01-01

    Purpose Prior studies indicate that racial disparities are not only present in cancer survival, but also in the quality of cancer survivorship. We estimated the effect of cancer and its treatment on two measures of survivorship quality: health-related quality of life and employment worked for initially employed and insured women newly diagnosed with breast cancer. Methods We collected employment data from 548 women from 2007 to 2011; 22% were African American. The outcomes were responses to the SF-36, CES-D, employment, and change in weekly hours worked from pre-diagnosis to two- and nine-months following treatment initiation. Results African American women reported a 2.77 (0.94) and 1.96 (0.92) higher score on the Mental Component Score at the two- and nine-month interviews, respectively. They also report fewer depression symptoms at the two-month interview, but were over half as likely to be employed as non-Hispanic white women (OR=0.43; 95% CI=0.26 to 0.71). At the nine-month interview, African American women had 2.33 (1.06) lower scores on the Physical Component Score. Conclusions Differences in health-related quality of life were small and although statistically significant, were most likely clinically insignificant between African American and non-Hispanic white women. Differences in employment were substantial, suggesting the need for future research to identify reasons for disparities and interventions to reduce the employment effects of breast cancer and its treatment on African American women. Implications for Cancer Survivors African American breast cancer survivors are more likely to stop working during the early phases of their treatment. These women and their treating physicians need to be aware of options to reduce work loss and take steps to minimize long-term employment consequences. PMID:24130067

  14. 26 CFR 20.2031-8 - Valuation of certain life insurance and annuity contracts; valuation of shares in an open-end...

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... contracts; valuation of shares in an open-end investment company. 20.2031-8 Section 20.2031-8 Internal... insurance and annuity contracts; valuation of shares in an open-end investment company. (a) Valuation of..., or an insurance policy on the life of a person other than the decedent, issued by a company...

  15. 26 CFR 20.2031-8 - Valuation of certain life insurance and annuity contracts; valuation of shares in an open-end...

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... contracts; valuation of shares in an open-end investment company. 20.2031-8 Section 20.2031-8 Internal... insurance and annuity contracts; valuation of shares in an open-end investment company. (a) Valuation of..., or an insurance policy on the life of a person other than the decedent, issued by a company...

  16. 26 CFR 20.2031-8 - Valuation of certain life insurance and annuity contracts; valuation of shares in an open-end...

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... contracts; valuation of shares in an open-end investment company. 20.2031-8 Section 20.2031-8 Internal... insurance and annuity contracts; valuation of shares in an open-end investment company. (a) Valuation of..., or an insurance policy on the life of a person other than the decedent, issued by a company...

  17. 26 CFR 20.2031-8 - Valuation of certain life insurance and annuity contracts; valuation of shares in an open-end...

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... contracts; valuation of shares in an open-end investment company. 20.2031-8 Section 20.2031-8 Internal... insurance and annuity contracts; valuation of shares in an open-end investment company. (a) Valuation of..., or an insurance policy on the life of a person other than the decedent, issued by a company...

  18. 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

    ... contracts; valuation of shares in an open-end investment company. 20.2031-8 Section 20.2031-8 Internal... insurance and annuity contracts; valuation of shares in an open-end investment company. (a) Valuation of..., or an insurance policy on the life of a person other than the decedent, issued by a company...

  19. 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

    ..., computed on the basis of 5-year age brackets. See 26 CFR 1.79-3(d)(2) in effect prior to July 1, 1999, and contained in the 26 CFR part 1 edition revised as of April 1, 1999, for a table setting forth the cost of...-term life insurance. 1.79-3 Section 1.79-3 Internal Revenue INTERNAL REVENUE SERVICE, DEPARTMENT OF...

  20. 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

    ..., computed on the basis of 5-year age brackets. See 26 CFR 1.79-3(d)(2) in effect prior to July 1, 1999, and contained in the 26 CFR part 1 edition revised as of April 1, 1999, for a table setting forth the cost of...-term life insurance. 1.79-3 Section 1.79-3 Internal Revenue INTERNAL REVENUE SERVICE, DEPARTMENT OF...

  1. 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

    ..., computed on the basis of 5-year age brackets. See 26 CFR 1.79-3(d)(2) in effect prior to July 1, 1999, and contained in the 26 CFR part 1 edition revised as of April 1, 1999, for a table setting forth the cost of...-term life insurance. 1.79-3 Section 1.79-3 Internal Revenue INTERNAL REVENUE SERVICE, DEPARTMENT OF...

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

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ..., computed on the basis of 5-year age brackets. See 26 CFR 1.79-3(d)(2) in effect prior to July 1, 1999, and contained in the 26 CFR part 1 edition revised as of April 1, 1999, for a table setting forth the cost of...-term life insurance. 1.79-3 Section 1.79-3 Internal Revenue INTERNAL REVENUE SERVICE, DEPARTMENT OF...

  3. 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

    ..., computed on the basis of 5-year age brackets. See 26 CFR 1.79-3(d)(2) in effect prior to July 1, 1999, and contained in the 26 CFR part 1 edition revised as of April 1, 1999, for a table setting forth the cost of...-term life insurance. 1.79-3 Section 1.79-3 Internal Revenue INTERNAL REVENUE SERVICE, DEPARTMENT OF...

  4. 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...

  5. 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... PASSENGER VESSELS (UNDER 100 GROSS TONS) LIFESAVING EQUIPMENT AND ARRANGEMENTS Ring Life Buoys and Life Jackets § 180.72 Personal flotation devices carried in addition to life jackets. (a) Equipment...

  6. 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... PASSENGER VESSELS (UNDER 100 GROSS TONS) LIFESAVING EQUIPMENT AND ARRANGEMENTS Ring Life Buoys and Life Jackets § 180.72 Personal flotation devices carried in addition to life jackets. (a) Equipment...

  7. 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...

  8. 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... PASSENGER VESSELS (UNDER 100 GROSS TONS) LIFESAVING EQUIPMENT AND ARRANGEMENTS Ring Life Buoys and Life Jackets § 180.72 Personal flotation devices carried in addition to life jackets. (a) Equipment...

  9. 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... PASSENGER VESSELS (UNDER 100 GROSS TONS) LIFESAVING EQUIPMENT AND ARRANGEMENTS Ring Life Buoys and Life Jackets § 180.72 Personal flotation devices carried in addition to life jackets. (a) Equipment...

  10. [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

  11. 26 CFR 1.821-3 - Tax on mutual insurance companies other than life or marine or fire insurance companies subject...

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... insurance business within the United States, not taxable under section 802 or 831 and not specifically... mutual insurance companies not carrying on an insurance business within the United States are not taxable... application of section 821 (a) to (c) inclusive, may be illustrated by the following examples: Example 1....

  12. 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...

  13. 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...

  14. 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...

  15. 46 CFR 117.72 - Personal flotation devices carried in addition to life jackets.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... approved life jackets required to be worn during drills and emergencies. (b) Wearable marine buoyant... 46 Shipping 4 2011-10-01 2011-10-01 false Personal flotation devices carried in addition to life... PASSENGERS LIFESAVING EQUIPMENT AND ARRANGEMENTS Ring Life Buoys and Life Jackets § 117.72 Personal...

  16. 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...

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

    PubMed

    Kennickell, Arthur B

    2008-09-10

    There is a literature of long standing that considers the relationship between income and differentials in mortality and morbidity, but information on differentials over the distribution of accumulated wealth have been far more scarce and subject to measurement problems. This paper provides evidence from the Survey of Consumer Finances, which is designed as a survey of wealth, on the distribution of wealth and income and how those distributions have shifted in recent years. Particular attention is paid to the distribution of wealth across minority groups and across age groups. The paper also examines the relationship between wealth and health status, life expectancy, and health insurance coverage. PMID:18680166

  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

    ...The U.S. Office of Personnel Management (OPM) is issuing a Notice of Proposed Rulemaking to change some conditions under which Federal employees may change an enrollment status under the Federal Employee Dental and Vision Insurance Program. OPM is proposing these changes to expand the opportunities for FEDVIP enrollment changes and therefore better align FEDVIP with the Federal Employees......

  19. 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

    ... 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 Life..., by rating an applicant's mortality risk. (c) What does the term “organic loss of speech” mean?...

  20. 38 CFR 8.0 - Definitions of terms used in connection with title 38 CFR, part 8, National Service Life Insurance.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... in connection with title 38 CFR, part 8, National Service Life Insurance. 8.0 Section 8.0 Pensions... § 8.0 Definitions of terms used in connection with title 38 CFR, part 8, National Service Life..., by rating an applicant's mortality risk. (c) What does the term “organic loss of speech” mean?...

  1. 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

    ... 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 Life..., by rating an applicant's mortality risk. (c) What does the term “organic loss of speech” mean?...

  2. 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

    ... 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 Life..., by rating an applicant's mortality risk. (c) What does the term “organic loss of speech” mean?...

  3. 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... § 8.0 Definitions of terms used in connection with title 38 CFR, part 8, National Service Life..., through the normal organs of speech if the loss is caused by physical changes in such organs. The...

  4. 26 CFR 1.79-1 - Group-term life insurance-general rules.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... provided in 26 CFR 1.79-1(g) (revised as of April 1, 1983) with respect to insurance provided in employee... taxable years beginning after December 31, 1982. See 26 CFR 1.79-1 through 1.79-3 (revised as of April 1... the employee's income is equal to: (D+C)−(PI+DI+AP) where D is the total amount of dividends...

  5. 26 CFR 1.79-1 - Group-term life insurance-general rules.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... provided in 26 CFR 1.79-1(g) (revised as of April 1, 1983) with respect to insurance provided in employee... taxable years beginning after December 31, 1982. See 26 CFR 1.79-1 through 1.79-3 (revised as of April 1... the employee's income is equal to: (D+C)−(PI+DI+AP) where D is the total amount of dividends...

  6. 20 CFR 404.1008 - Agent-driver or commission-driver, full-time life insurance salesman, home worker, or traveling...

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... 20 Employees' Benefits 2 2012-04-01 2012-04-01 false Agent-driver or commission-driver, full-time... commission-driver, full-time life insurance salesman, home worker, or traveling or city salesman. (a) General... work performed must not be a single transaction. Part-time and regular seasonal work may be...

  7. 20 CFR 404.1008 - Agent-driver or commission-driver, full-time life insurance salesman, home worker, or traveling...

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... 20 Employees' Benefits 2 2014-04-01 2014-04-01 false Agent-driver or commission-driver, full-time... commission-driver, full-time life insurance salesman, home worker, or traveling or city salesman. (a) General... work performed must not be a single transaction. Part-time and regular seasonal work may be...

  8. 20 CFR 404.1008 - Agent-driver or commission-driver, full-time life insurance salesman, home worker, or traveling...

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... 20 Employees' Benefits 2 2013-04-01 2013-04-01 false Agent-driver or commission-driver, full-time... commission-driver, full-time life insurance salesman, home worker, or traveling or city salesman. (a) General... work performed must not be a single transaction. Part-time and regular seasonal work may be...

  9. 20 CFR 404.1008 - Agent-driver or commission-driver, full-time life insurance salesman, home worker, or traveling...

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... 20 Employees' Benefits 2 2011-04-01 2011-04-01 false Agent-driver or commission-driver, full-time... commission-driver, full-time life insurance salesman, home worker, or traveling or city salesman. (a) General... work performed must not be a single transaction. Part-time and regular seasonal work may be...

  10. 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

    ... 20 Employees' Benefits 2 2010-04-01 2010-04-01 false Agent-driver or commission-driver, full-time... commission-driver, full-time life insurance salesman, home worker, or traveling or city salesman. (a) General... work performed must not be a single transaction. Part-time and regular seasonal work may be...

  11. 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…

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

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... 26 Internal Revenue 7 2014-04-01 2013-04-01 true Local benevolent life insurance associations, mutual irrigation and telephone companies, and like organizations. 1.501(c)(12)-1 Section 1.501(c)(12)-1... associations, mutual irrigation and telephone companies, and like organizations. (a) An organization...

  13. 26 CFR 1.501(c)(12)-1 - Local benevolent life insurance associations, mutual irrigation and telephone companies, and like...

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... 26 Internal Revenue 7 2011-04-01 2009-04-01 true Local benevolent life insurance associations, mutual irrigation and telephone companies, and like organizations. 1.501(c)(12)-1 Section 1.501(c)(12)-1... associations, mutual irrigation and telephone companies, and like organizations. (a) An organization...

  14. 26 CFR 1.501(c)(12)-1 - Local benevolent life insurance associations, mutual irrigation and telephone companies, and like...

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... 26 Internal Revenue 7 2012-04-01 2012-04-01 false Local benevolent life insurance associations, mutual irrigation and telephone companies, and like organizations. 1.501(c)(12)-1 Section 1.501(c)(12)-1... associations, mutual irrigation and telephone companies, and like organizations. (a) An organization...

  15. 26 CFR 1.501(c)(12)-1 - Local benevolent life insurance associations, mutual irrigation and telephone companies, and like...

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... 26 Internal Revenue 7 2013-04-01 2013-04-01 false Local benevolent life insurance associations, mutual irrigation and telephone companies, and like organizations. 1.501(c)(12)-1 Section 1.501(c)(12)-1... associations, mutual irrigation and telephone companies, and like organizations. (a) An organization...

  16. 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...

  17. 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.…

  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, mutual irrigation and telephone companies, and like organizations. 1.501(c)(12)-1 Section 1.501(c)(12)-1... associations, mutual irrigation and telephone companies, and like organizations. (a) An organization...

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

    NASA Technical Reports Server (NTRS)

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

    1973-01-01

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

  20. 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

    ...) on mutual insurance company taxable income or, in the case of certain small companies, to the tax... company is taxable under section 821 (a) or (c) for the taxable year is dependent upon the gross amount received by the company during such taxable year from the items described in section 822(b) (other...

  1. 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

  2. 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

    ... payment of FEGLI benefits. In addition, OPM is making some minor textual changes to explain how and to... updated as needs change. Analysis Agency: Retirement Operations, Retirement Services, Office of...

  3. 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.

  4. 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.

  5. 75 FR 60573 - Federal Employees' Group Life Insurance Program: Miscellaneous Changes, Clarifications, and...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-10-01

    ..., OPM published proposed regulations (74 FR 69288) with miscellaneous changes, clarifications, and... physicians and dentists employed by the VA. Accordingly, in addition to base pay, market pay must be used to..., currently cited in Sec. 870.204(a)(2)(x), relating to the treatment of bonuses for physicians and...

  6. 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...

  7. 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.

  8. 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.…

  9. 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.

  10. 5 CFR 870.904 - Amount of insurance.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 5 Administrative Personnel 2 2010-01-01 2010-01-01 false Amount of insurance. 870.904 Section 870.904 Administrative Personnel OFFICE OF PERSONNEL MANAGEMENT (CONTINUED) CIVIL SERVICE REGULATIONS (CONTINUED) FEDERAL EMPLOYEES' GROUP LIFE INSURANCE PROGRAM Assignments of Life Insurance § 870.904 Amount of insurance. The amount of insurance is...

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

    NASA Technical Reports Server (NTRS)

    Dreshfield, R. L.; Johnson, W.

    1982-01-01

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

  12. 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

  13. Health Insurance

    MedlinePlus

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

  14. 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, ...

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

    NASA Astrophysics Data System (ADS)

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

    1985-02-01

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

  16. 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.

  17. 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.

  18. 31 CFR 103.137 - Anti-money laundering programs for insurance companies.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... by senior management. An insurance company shall make a copy of its anti-money laundering program... insurance policy, other than a group life insurance policy; (ii) An annuity contract, other than a group... contract. (6) Group life insurance policy means any life insurance policy under which a number of...

  19. 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

  20. Travel insurance and health.

    PubMed

    Leggat, P A; Carne, J; Kedjarune, U

    1999-12-01

    Travel insurance normally underwrites travel, medical, and dental expenses incurred by travelers abroad and arranges aeromedical evacuation of travelers under conditions specified by the travel insurance policy. Because of the costs of medical and dental treatment abroad and the high cost associated with aeromedical evacuation, all travelers should be advised of the need for comprehensive travel insurance and be advised to read their policies carefully to see what is covered and to check for any exclusions. In particular, those travelers who have known preexisting conditions, who are working overseas, or who are going to undertake any form of hazardous recreational pursuit may need to obtain a special travel insurance policy, which may attract a higher premium. Conservatively, it is estimated that between 30-50% of travelers become ill or injured whilst traveling. Relative estimated monthly incidence rates of various health problems have been compiled elsewhere. The risk of severe injury is thought to be greater for people when traveling abroad. These risks should be covered by travel insurance to protect the traveler, however it is not known what proportion of travel agents or airlines give advice routinely on travel insurance. Travel insurance is the most important safety net for travelers in the event of misadventure, and should be reinforced by travel health advisers. Although only 4% of general practitioners (GPs) in a late 1980's study in the United Kingdom would advise a traveler going to Turkey about travel insurance,4 more recent studies have shown about 60% of GPs in New Zealand and 39% of travel clinics worldwide usually advised travelers concerning travel insurance. In addition, 54% of GPs in New Zealand usually also advised travelers about finding medical assistance abroad, but only 19% of GPs recommended travel insurance companies as a source of medical assistance while traveling. PMID:10575173

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

    PubMed

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

    2015-12-01

    Genetic discrimination in the context of genetic testing has been identified as a concern for symptomatic and asymptomatic individuals for more than three decades. Genetic counselors are often the health care professionals who discuss risks and benefits of genetic testing with patients, thereby making them most appropriate to address patient concerns about genetics and personal insurance (i.e., life, life as related to mortgage or group insurance, disability, critical illness and travel). A pilot study was conducted to ascertain the current practices of Canadian cancer genetic counselors in regard to their discussions with patients about genetic testing and access to personal insurance. Among the 36 counselors surveyed, 100 % reported discussing the issue of genetic testing and personal insurance with their patients. Several factors influenced the content, depth and length of these discussions including age, cancer status, family members, and patients' current and future insurance needs. Counselors reported discussing with patients the possible impact of genetic test results on access to personal insurance, possible access and use of patient genetic information by insurance companies, and whom patients should contact if they have additional questions. The most commonly reported inquiries from patients included questions about the possible impact of genetic testing on their ability to obtain insurance, and the insurability of family members. While 28 % of counselors reported having been contacted by an insurer requesting access to patient information, only one counselor was aware of or could recall the outcome of such a request. This pilot study revealed that issues concerning genetics and personal insurance are commonly discussed in Canadian cancer genetic counseling sessions. Counselors furthermore expressed a need for additional educational resources on the topic of genetics and personal insurance for themselves and their patients. PMID:25925606

  2. 5 CFR 870.601 - Termination of Basic insurance.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... REGULATIONS (CONTINUED) FEDERAL EMPLOYEES' GROUP LIFE INSURANCE PROGRAM Termination and Conversion § 870.601... to a position in which he/she is excluded from life insurance stops on his/her last day in the...

  3. 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.

  4. 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.

  5. 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

  6. 5 CFR 870.601 - Termination of Basic insurance.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... REGULATIONS (CONTINUED) FEDERAL EMPLOYEES' GROUP LIFE INSURANCE PROGRAM Termination and Conversion § 870.601... employee who moves without a break in service to a position in which he or she is excluded from life... status for life insurance purposes. (ii) Basic insurance continues free for 12 months or until 90...

  7. 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.

  8. 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…

  9. 5 CFR 870.201 - Types of insurance.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 5 Administrative Personnel 2 2010-01-01 2010-01-01 false Types of insurance. 870.201 Section 870.201 Administrative Personnel OFFICE OF PERSONNEL MANAGEMENT (CONTINUED) CIVIL SERVICE REGULATIONS (CONTINUED) FEDERAL EMPLOYEES' GROUP LIFE INSURANCE PROGRAM Types and Amount of Insurance § 870.201 Types of insurance. (a) There are two types of...

  10. 5 CFR 870.202 - Basic insurance amount (BIA).

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 5 Administrative Personnel 2 2010-01-01 2010-01-01 false Basic insurance amount (BIA). 870.202 Section 870.202 Administrative Personnel OFFICE OF PERSONNEL MANAGEMENT (CONTINUED) CIVIL SERVICE REGULATIONS (CONTINUED) FEDERAL EMPLOYEES' GROUP LIFE INSURANCE PROGRAM Types and Amount of Insurance § 870.202 Basic insurance amount (BIA). (a)(1)...

  11. 5 CFR 870.205 - Amount of Optional insurance.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 5 Administrative Personnel 2 2010-01-01 2010-01-01 false Amount of Optional insurance. 870.205 Section 870.205 Administrative Personnel OFFICE OF PERSONNEL MANAGEMENT (CONTINUED) CIVIL SERVICE REGULATIONS (CONTINUED) FEDERAL EMPLOYEES' GROUP LIFE INSURANCE PROGRAM Types and Amount of Insurance § 870.205 Amount of Optional insurance. (a) Option...

  12. 12 CFR 618.8040 - Authorized insurance services.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... institution is the provider. Term-life insurance coverage may continue after the loan has been repaid or the... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Authorized insurance services. 618.8040 Section... Insurance § 618.8040 Authorized insurance services. (a) Farm Credit System banks (excluding banks...

  13. 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...

  14. 78 FR 59985 - Variable Insurance Trust, et al.;

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-09-30

    ... financial status, age, insurance needs and investment goals. A portfolio supporting even one type of... Participating Insurance Company will enhance management of the Insurance Fund without raising significant... Rules 6e-2(b)(15) and 6e-3(T)(b)(15) thereunder in cases where a life insurance company separate...

  15. 5 CFR 870.503 - Basic insurance: Cancelling a waiver.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... REGULATIONS (CONTINUED) FEDERAL EMPLOYEES' GROUP LIFE INSURANCE PROGRAM Coverage § 870.503 Basic insurance.... The insurance is effective when, after OFEGLI's approval, the employee actually enters on duty in pay... least 180 days is reinstated on or after April 1, 1981, a previous waiver of Basic insurance...

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

    NASA Technical Reports Server (NTRS)

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

    1995-01-01

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

  17. 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

  18. Effect of packaging conditions on the shelf-life of chicken frankfurters with and without lactate addition.

    PubMed

    Tovunac, I; Galic, K; Prpic, T; Juric, S

    2011-04-01

    Shelf-life of frankfurters depends on various factors such as its composition, packaging material and method used as well as the effect of external conditions (temperature). The objective of this study was to determine the shelf-life of packaged (vacuum, shrink and modified atmosphere, MA) chicken frankfurters during storage at different temperatures. For this purpose regular and with sodium lactate addition chicken frankfurters were produced. For MA packaging (MAP), under gas mixture of 70% N(2) and 30% CO(2), a package consisting of container and heat sealable cover was used. Different laminate composition was used for vacuum and shrink packaging of frankfurters. During frankfurters storage physico-chemical (pH, a(w)), and microbiological (aerobic mesophiles, lactic acid bacteria and total bacterial count) analyses were performed. Packaging materials were analyzed for their barrier characteristic (oxygen permeability). The shelf-life of frankfurters can be extended if packaged in MA (54 days) and shrink (45 days) packaging compared to 36 days of shelf-life in vacuum packaging, at 3 (°)C. Higher shelf-life is obtained for frankfurters with lactate addition, in all packaging conditions, stored at 6 (°)C. PMID:21436233

  19. 5 CFR 870.505 - Optional insurance: Waiver/cancellation of insurance.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

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

  20. 5 CFR 870.502 - Basic insurance: Waiver/cancellation of insurance.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

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

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

    Code of Federal Regulations, 2010 CFR

    2010-01-01

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

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

    Code of Federal Regulations, 2010 CFR

    2010-01-01

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

  3. Neurologic disorders in Medicaid vs privately insured children and working-age adults

    PubMed Central

    Geer, Joseph P.; Frick, Kevin; Carone, Marco

    2014-01-01

    Summary This retrospective, observational study reports health utilization and access patterns of Medicaid recipients for neurologic diseases compared to privately insured individuals seen in 2 hospitals at a single institution in the same time period. We reviewed records of patients and compared demographic characteristics, visit types, neurologic diagnoses, and all-cause mortality, by age group, when seen with Medicaid vs private insurance. Adults insured by Medicaid were more likely to present as inpatients and with life-threatening neurologic disease compared to privately insured patients. Moreover, adult patients presenting with neurologic disease on Medicaid had a higher all-cause mortality rate than privately insured patients. Similar disparities in neurologic disease were not observed in children. The relationship of these findings to patient educational status, household income, comorbidities, and the reasons prompting Medicaid eligibility require additional study. PMID:24790798

  4. Standard of review-effect of conflict on standard of review. Metropolitan Life Insurance Co. v. Glenn, _S. Ct._, 2008 WL 2444796 (6/19/08).

    PubMed

    2009-01-01

    An ERISA plan administrator, whether it is an insurance company or a self-insured employer, has a conflict of interest if it both decides who receives benefits and makes benefits payments. That conflict of interest is one factor that should be taken into account in determining whether the administrator has abused its discretion in a case. PMID:19408445

  5. 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

  6. 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

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

    PubMed

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

    2014-01-01

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

  8. 46 CFR 180.72 - Personal flotation devices carried in addition to life jackets.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... additional equipment for use of persons working near or over the water. (d) Commercial hybrid personal... water. Each commercial hybrid PFD must be: (1) Used, stowed, and maintained in accordance with the... method of operation as each other hybrid PFD carried on board....

  9. 5 CFR 870.504 - Optional insurance: Election.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... employee of the District of Columbia Financial Responsibility and Management Assistance Authority who... REGULATIONS (CONTINUED) FEDERAL EMPLOYEES' GROUP LIFE INSURANCE PROGRAM Coverage § 870.504 Optional insurance... under age 65. (b) Any employee who doesn't file a Life Insurance Election with his/her employing...

  10. 75 FR 11585 - Lincoln Variable Insurance Products Trust, et al.; Notice of Application

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-03-11

    ... COMMISSION Lincoln Variable Insurance Products Trust, et al.; Notice of Application March 5, 2010. AGENCY...: Lincoln Variable Insurance Products Trust (``Trust'') and Lincoln Investment Advisors Corporation... Companies'') as the underlying investment vehicles for the variable life insurance and variable...

  11. Value addition of Palmyra palm and studies on the storage life.

    PubMed

    Chaurasiya, A K; Chakraborty, I; Saha, J

    2014-04-01

    Palmyra palm (Borassus flabellifer L.) belonging to the family Palmae is referred to as tree of life with several uses including food, beverage, fibre, medicinal and timber. Unfortunately, the nutritionally enriched pulp of ripened palm has limited commercial use. Extraction of pulp has been accomplished by using water and heat to ensure maximum pulp recovery. Different recipes were tried for the preparation of two uncommon value added products like palm spread and palm toffee. On the basis of biochemical composition, organoleptic scores, microbial estimation and storage study both under ambient and refrigerated conditions; the suitable recipe was selected with the maximum acceptability. Gradual increase in total soluble solid (TSS), total sugar and reducing sugar while decrease in ascorbic acid, pH, β-carotene and protein content of processed products have been observed irrespective of storage condition. The results obtained from sensory evaluation and microbial status revealed that palm spread and toffee remained acceptable up to 9 months and 8 months, respectively at ambient temperature. The income per rupee investment for these two products was found to be remunerative. PMID:24741173

  12. Health Insurance Basics

    MedlinePlus

    ... How Can I Help a Friend Who Cuts? Health Insurance Basics KidsHealth > For Teens > Health Insurance Basics Print ... thought advanced calculus was confusing. What Exactly Is Health Insurance? Health insurance is a plan that people buy ...

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

    ERIC Educational Resources Information Center

    National Education Association, Washington, DC.

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

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

    NASA Astrophysics Data System (ADS)

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

    2015-04-01

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

  15. Evolutionary dynamics of collective index insurance.

    PubMed

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

    2016-03-01

    Index-based insurances offer promising opportunities for climate-risk investments in developing countries. Indeed, contracts conditional on, e.g., weather or livestock indexes can be cheaper to set up than conventional indemnity-based insurances, while offering a safety net to vulnerable households, allowing them to eventually escape poverty traps. Moreover, transaction costs by insurance companies may be additionally reduced if contracts, instead of arranged with single households, are endorsed by collectives of households that bear the responsibility of managing the division of the insurance coverage by its members whenever the index is surpassed, allowing for additional flexibility in what concerns risk-sharing and also allowing insurance companies to avoid the costs associated with moral hazard. Here we resort to a population dynamics framework to investigate under which conditions household collectives may find collective index insurances attractive, when compared with individual index insurances. We assume risk sharing among the participants of each collective, and model collective action in terms of an N-person threshold game. Compared to less affordable individual index insurances, we show how collective index insurances lead to a coordination problem in which the adoption of index insurances may become the optimal decision, spreading index insurance coverage to the entire population. We further investigate the role of risk-averse and risk-prone behaviors, as well as the role of partial correlation between insurance coverage and actual loss of crops, and in which way these affect the original coordination thresholds. PMID:26486802

  16. Current issues in HIV/AIDS and insurance.

    PubMed

    Elliott, D

    Insurance was rarely a major concern for Canadians with AIDS early in the AIDS epidemic, when life expectancies were short and drug treatments less expensive. However, with the advent of early diagnosis and triple-drug combinations, people with HIV/AIDS are now confronting insurance problems. In the first of a two-part series, fictional scenarios explore the current issues of obtaining insurance coverage. Insurance applications may ask for HIV status and some people apply for insurance when they suspect they may be infected to protect their coverage. Applying for insurance before confirming HIV status may lead the insurance companies to interpret HIV testing and treatment shortly after initiating coverage as possibly fraudulent and questionable. Group life and mortgage insurance issues, and pre- and post-test counseling are addressed. Recent court cases and their implications on insurance coverage are described, including Gibbs v. Battleford & District Cooperative Ltd., a mental health case that affects AIDS coverage. PMID:11365276

  17. 25 CFR 276.4 - Bondings and insurance.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

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

  18. 25 CFR 276.4 - Bondings and insurance.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

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

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

    Code of Federal Regulations, 2011 CFR

    2011-10-01

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

  20. Federal Life Insurance Transparency Act

    THOMAS, 112th Congress

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

    2011-01-05

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

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

    NASA Astrophysics Data System (ADS)

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

    2012-09-01

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

  2. Additional Saturday rehabilitation improves functional independence and quality of life and reduces length of stay: a randomized controlled trial

    PubMed Central

    2013-01-01

    Background Many inpatients receive little or no rehabilitation on weekends. Our aim was to determine what effect providing additional Saturday rehabilitation during inpatient rehabilitation had on functional independence, quality of life and length of stay compared to 5 days per week of rehabilitation. Methods This was a multicenter, single-blind (assessors) randomized controlled trial with concealed allocation and 12-month follow-up conducted in two publically funded metropolitan inpatient rehabilitation facilities in Melbourne, Australia. Patients were eligible if they were adults (aged ≥18 years) admitted for rehabilitation for any orthopedic, neurological or other disabling conditions excluding those admitted for slow stream rehabilitation/geriatric evaluation and management. Participants were randomly allocated to usual care Monday to Friday rehabilitation (control) or to Monday to Saturday rehabilitation (intervention). The additional Saturday rehabilitation comprised physiotherapy and occupational therapy. The primary outcomes were functional independence (functional independence measure (FIM); measured on an 18 to 126 point scale), health-related quality of life (EQ-5D utility index; measured on a 0 to 1 scale, and EQ-5D visual analog scale; measured on a 0 to 100 scale), and patient length of stay. Outcome measures were assessed on admission, discharge (primary endpoint), and at 6 and 12 months post discharge. Results We randomly assigned 996 adults (mean (SD) age 74 (13) years) to Monday to Saturday rehabilitation (n = 496) or usual care Monday to Friday rehabilitation (n = 500). Relative to admission scores, intervention group participants had higher functional independence (mean difference (MD) 2.3, 95% confidence interval (CI) 0.5 to 4.1, P = 0.01) and health-related quality of life (MD 0.04, 95% CI 0.01 to 0.07, P = 0.009) on discharge and may have had a shorter length of stay by 2 days (95% CI 0 to 4, P = 0.1) when compared to

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

    PubMed Central

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

    2014-01-01

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

  4. 5 CFR 870.602 - Termination of Optional insurance.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 5 Administrative Personnel 2 2010-01-01 2010-01-01 false Termination of Optional insurance. 870.602 Section 870.602 Administrative Personnel OFFICE OF PERSONNEL MANAGEMENT (CONTINUED) CIVIL SERVICE REGULATIONS (CONTINUED) FEDERAL EMPLOYEES' GROUP LIFE INSURANCE PROGRAM Termination and Conversion § 870.602 Termination of Optional insurance....

  5. 5 CFR 870.702 - Amount of Basic insurance.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 5 Administrative Personnel 2 2010-01-01 2010-01-01 false Amount of Basic insurance. 870.702 Section 870.702 Administrative Personnel OFFICE OF PERSONNEL MANAGEMENT (CONTINUED) CIVIL SERVICE REGULATIONS (CONTINUED) FEDERAL EMPLOYEES' GROUP LIFE INSURANCE PROGRAM Annuitants and Compensationers § 870.702 Amount of Basic insurance. (a) The amount...

  6. 5 CFR 870.1204 - Cost of insurance.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 5 Administrative Personnel 2 2010-01-01 2010-01-01 false Cost of insurance. 870.1204 Section 870.1204 Administrative Personnel OFFICE OF PERSONNEL MANAGEMENT (CONTINUED) CIVIL SERVICE REGULATIONS (CONTINUED) FEDERAL EMPLOYEES' GROUP LIFE INSURANCE PROGRAM Portability § 870.1204 Cost of insurance. (a)(1) The cost of ported coverage is the...

  7. 38 CFR 8.3 - Revival of insurance.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 38 Pensions, Bonuses, and Veterans' Relief 1 2010-07-01 2010-07-01 false Revival of insurance. 8.3 Section 8.3 Pensions, Bonuses, and Veterans' Relief DEPARTMENT OF VETERANS AFFAIRS NATIONAL SERVICE LIFE INSURANCE Premiums § 8.3 Revival of insurance. (a) If the sole reason death or total disability...

  8. 38 CFR 8.3 - Revival of insurance.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... 38 Pensions, Bonuses, and Veterans' Relief 1 2011-07-01 2011-07-01 false Revival of insurance. 8.3 Section 8.3 Pensions, Bonuses, and Veterans' Relief DEPARTMENT OF VETERANS AFFAIRS NATIONAL SERVICE LIFE INSURANCE Premiums § 8.3 Revival of insurance. (a) If the sole reason death or total disability...

  9. Prescriptions and Insurance Plans

    MedlinePlus

    MENU Return to Web version Prescriptions and Insurance Plans Prescriptions and Insurance Plans Getting a prescription filled is usually easy. But because of the high cost of prescription medicines, most insurance ...

  10. Unemployment Insurance Management.

    ERIC Educational Resources Information Center

    Pope, Daniel C.

    1979-01-01

    An insurance management system has the goal of minimizing unemployment insurance costs. Components of a model system should include general administration, claims management, and appeals process. (Author)

  11. 12 CFR 714.7 - What are the insurance requirements applicable to leasing?

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... the co-insured if you do not own the leased property. Contingent liability insurance protects you should you be sued as the owner of the leased property. You must use an insurance company with a... property insurance on the leased property. You must be named as an additional insured on the...

  12. 12 CFR 714.7 - What are the insurance requirements applicable to leasing?

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... the co-insured if you do not own the leased property. Contingent liability insurance protects you should you be sued as the owner of the leased property. You must use an insurance company with a... property insurance on the leased property. You must be named as an additional insured on the...

  13. 12 CFR 714.7 - What are the insurance requirements applicable to leasing?

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... the co-insured if you do not own the leased property. Contingent liability insurance protects you should you be sued as the owner of the leased property. You must use an insurance company with a... property insurance on the leased property. You must be named as an additional insured on the...

  14. 12 CFR 714.7 - What are the insurance requirements applicable to leasing?

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... the co-insured if you do not own the leased property. Contingent liability insurance protects you should you be sued as the owner of the leased property. You must use an insurance company with a... property insurance on the leased property. You must be named as an additional insured on the...

  15. 12 CFR 708b.102 - Special provisions for federal insurance.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Special provisions for federal insurance. 708b... waived in whole or in part for all insured credit unions during that year) on the additional share... (unless waived in whole or in part for all insured credit unions during that year) on any additional...

  16. 12 CFR 708b.102 - Special provisions for federal insurance.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 12 Banks and Banking 6 2011-01-01 2011-01-01 false Special provisions for federal insurance. 708b... waived in whole or in part for all insured credit unions during that year) on the additional share... (unless waived in whole or in part for all insured credit unions during that year) on any additional...

  17. Criteria for the Evaluation of Insurance Management in School Districts.

    ERIC Educational Resources Information Center

    Bradley, C. E.

    In addition to general rules for good insurance management in school districts, a number of questions are presented for use in evaluating the administrator's effectiveness in insurance management. (FS)

  18. 7 CFR 457.138 - Grape crop insurance provisions.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... insured under an organic farming practice. (b) In all states except Arizona and California, in addition to... and by irrigated and non-irrigated acreage and for acreage grown and insured under an organic...

  19. 7 CFR 457.138 - Grape crop insurance provisions.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... insured under an organic farming practice. (b) In all states except Arizona and California, in addition to... and by irrigated and non-irrigated acreage and for acreage grown and insured under an organic...

  20. 7 CFR 457.138 - Grape crop insurance provisions.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... insured under an organic farming practice. (b) In all states except Arizona and California, in addition to... and by irrigated and non-irrigated acreage and for acreage grown and insured under an organic...

  1. 7 CFR 457.138 - Grape crop insurance provisions.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... insured under an organic farming practice. (b) In all states except Arizona and California, in addition to... and by irrigated and non-irrigated acreage and for acreage grown and insured under an organic...

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

    PubMed

    Heller, Michael

    2008-01-01

    The role of the British major life assurance companies in administering the National Insurance Acts in the guise of approved societies has long been controversial. The companies have been accused of profiteering rather than civic duty or social altruism. This article, using the Prudential Assurance Company as a case study, questions this argument. Life assurance companies such as the Prudential were fundamental to the operational running of national health insurance in the first half of the twentieth century due to their scale, scope and expertise. In addition, they were keen to extend the scope of national health insurance and campaigned to make the acts more comprehensive. Finally, while the companies certainly did see benefits in administering the acts, these were related more to corporate identity, branding and public relations than to direct pecuniary gain. An analysis of the inclusion of the life insurance companies in the administration of the National Health Insurance Acts is thus as important for an understanding of twentieth-century Britain as it is for the development of modern social welfare. PMID:19069079

  3. 38 CFR 6.19 - Evidence to establish death of the insured.

    Code of Federal Regulations, 2012 CFR

    2012-07-01

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

  4. 38 CFR 6.19 - Evidence to establish death of the insured.

    Code of Federal Regulations, 2014 CFR

    2014-07-01

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

  5. 38 CFR 6.19 - Evidence to establish death of the insured.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

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

  6. 20 CFR 404.359 - Who is the insured's equitably adopted child?

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... for child's benefits after the insured's death, the law of the State where the insured had his or her permanent home at the time of his or her death will be followed. If you apply for child's benefits during the insured's life, the law of the State where the insured has his or her permanent home at the...

  7. 20 CFR 404.359 - Who is the insured's equitably adopted child?

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... for child's benefits after the insured's death, the law of the State where the insured had his or her permanent home at the time of his or her death will be followed. If you apply for child's benefits during the insured's life, the law of the State where the insured has his or her permanent home at the...

  8. 20 CFR 404.359 - Who is the insured's equitably adopted child?

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... for child's benefits after the insured's death, the law of the State where the insured had his or her permanent home at the time of his or her death will be followed. If you apply for child's benefits during the insured's life, the law of the State where the insured has his or her permanent home at the...

  9. 20 CFR 404.359 - Who is the insured's equitably adopted child?

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... for child's benefits after the insured's death, the law of the State where the insured had his or her permanent home at the time of his or her death will be followed. If you apply for child's benefits during the insured's life, the law of the State where the insured has his or her permanent home at the...

  10. 76 FR 56505 - Agency Information Collection (Application by Insured Terminally Ill Person for Accelerated...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-09-13

    ... Management and Budget (OMB) for review and comment. The PRA submission describes the nature of the... 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...

  11. 78 FR 53011 - Agency Information Collection (Application for Reinstatement (Insurance Lapsed More Than 6 Months...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-08-27

    ... comment. The PRA submission describes the nature of the information collection and its expected cost and... (Insurance Lapsed More than 6 Months), Government Life Insurance and/or Total Disability Income Provision, VA... Life Insurance, VA Form 29-353. OMB Control Number: 2900-0011. Type of Review: Extension of a...

  12. 5 CFR 870.401 - Withholdings and contributions for Basic insurance.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... SERVICE REGULATIONS (CONTINUED) FEDERAL EMPLOYEES' GROUP LIFE INSURANCE PROGRAM Cost of Insurance § 870... Government pays one-third. (2) When OPM makes any adjustment to the Basic life insurance premium, it will... 52 work weeks is the amount obtained by converting the biweekly rate to an annual rate and...

  13. 7 CFR 457.142 - Northern potato crop insurance provisions.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 7 CFR part 400, subpart T, and pay an additional premium, you may increase your prevented planting... 7 Agriculture 6 2011-01-01 2011-01-01 false Northern potato crop insurance provisions. 457.142... INSURANCE CORPORATION, DEPARTMENT OF AGRICULTURE COMMON CROP INSURANCE REGULATIONS § 457.142 Northern...

  14. 7 CFR 457.142 - Northern potato crop insurance provisions.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 7 CFR part 400, subpart T, and pay an additional premium, you may increase your prevented planting... 7 Agriculture 6 2014-01-01 2014-01-01 false Northern potato crop insurance provisions. 457.142... INSURANCE CORPORATION, DEPARTMENT OF AGRICULTURE COMMON CROP INSURANCE REGULATIONS § 457.142 Northern...

  15. 7 CFR 457.142 - Northern potato crop insurance provisions.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 7 CFR part 400, subpart T, and pay an additional premium, you may increase your prevented planting... 7 Agriculture 6 2013-01-01 2013-01-01 false Northern potato crop insurance provisions. 457.142... INSURANCE CORPORATION, DEPARTMENT OF AGRICULTURE COMMON CROP INSURANCE REGULATIONS § 457.142 Northern...

  16. 7 CFR 457.142 - Northern potato crop insurance provisions.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... 7 CFR part 400, subpart T, and pay an additional premium, you may increase your prevented planting... 7 Agriculture 6 2012-01-01 2012-01-01 false Northern potato crop insurance provisions. 457.142... INSURANCE CORPORATION, DEPARTMENT OF AGRICULTURE COMMON CROP INSURANCE REGULATIONS § 457.142 Northern...

  17. 7 CFR 457.142 - Northern potato crop insurance provisions.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 7 CFR part 400, subpart T, and pay an additional premium, you may increase your prevented planting... 7 Agriculture 6 2010-01-01 2010-01-01 false Northern potato crop insurance provisions. 457.142... INSURANCE CORPORATION, DEPARTMENT OF AGRICULTURE COMMON CROP INSURANCE REGULATIONS § 457.142 Northern...

  18. 7 CFR 457.108 - Sunflower seed crop insurance provisions.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... coverage, as specified in 7 CFR part 400, subpart T, and pay an additional premium, you may increase you... 7 Agriculture 6 2010-01-01 2010-01-01 false Sunflower seed crop insurance provisions. 457.108... INSURANCE CORPORATION, DEPARTMENT OF AGRICULTURE COMMON CROP INSURANCE REGULATIONS § 457.108 Sunflower...

  19. Predictivity, genetic tests and insurance law.

    PubMed

    Romeo Casabona, Carlos Maria

    2009-01-01

    An increasing discussion today consists of whether emerging genetic tests will provide a powerful tool for individual risk assessments for the life, health, disability and accident policies underwritten by private insurance companies and what could be the consequences of this for the insurance contract system built throughout the last decades. Thus, access to such risk information will facilitate more precise actuarial premium assessments. PMID:20476692

  20. Pet insurance--essential option?

    PubMed Central

    Stowe, J D

    2000-01-01

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