Description: Part 3 of Gray's summary of the Canadian report on taxation by the Carter Commission. One of the provisions would impose a 50% insurance company tax rate on the excess of surplus earnings over policy dividends disbursed.

Description: This article on recent developments in insurance regulation, is a discussion of the new Model Nonforfeiture and Valuation Laws the continuation of an article from the November, 1981 issue of The Actuary, and to be continued in next month’s issue. It covers topics including mortality assumptions and the new 1980 CSO Mortality Tables, maximum valuation interest rates, and maximum nonforfeiture interest rates.

Description: This article discusses the Washington State regulation governing life insurance policy replacements.

Description: This article describes some implications of increasing government intervention in the industry, such as the potential to eliminate the industry's ability to classify risk due to anti-discrimination laws and pressure to expand social 'insurance' programs

Description: The author, a Director of the National Insurance Consumer Organization, ‘NICO,’- a new non-profit organization, notes that ‘a consideration in forming NICO is the lack of adequate insurance expertise within the consumer movement.’ The article describes the public comments the organization has made on various life and health insurance issues.

Description: This article describes how Long-Term Care riders attached to Life Insurance policies provide real insurance value at a reasonable cost and allow life insurance companies to compete on a basis other than cost.

Description: This article discusses HIPAA, Health Insurance Portability and Accountability Act of 1997 and the many NAIC model laws affecting health insurance and paricularly how Arkansas is facing the post-HIPAA complexities.

Description: Discussion of solvency problems and the actuary's role in addressing them in the life insurance industry.

Description: A regulator's perspective on the changing insurance and financial services industry, including changes in the state regulatory environment driven by the regulators themselves, as well as potential changes in the competitive environment prompted by the Financial Services Modernization Act.

Description: Discussion of a Society of Actuaries research report on cost comparison methods life insurance sales illustration support, prepared at the request of the NAIC