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Small Companies & Federal vs. State Regulation
companies started tocome under fire in the early ’90s. Primary causes were insolvencies of several large life ... concern over rate increases on existing long term care products. Once again, minimum loss ratios have been ...- Authors: Norman E Hill
- Date: Sep 1999
- Competency: External Forces & Industry Knowledge
- Publication Name: Small Talk
- Topics: Public Policy
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Is There A Spof in Your Future?
• GICS • Equity-indexed annuities • Long-term care Current problems with product filing are due in ... life, annuity, variable, disability, or long-term care. The working group stated that their hope was that ...- Authors: Norman E Hill
- Date: Dec 2000
- Competency: External Forces & Industry Knowledge
- Publication Name: Small Talk
- Topics: Annuities; Health & Disability; Life Insurance
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Regulatory Update for 2013
PBR a. Non-variable annuities and long-term care (VM22 and VM25, respectively)—No firm proposals ... the primary demand for PBR and reserve reductions. Also, these products seem to be the primary products ...- Authors: Norman E Hill
- Date: Mar 2014
- Competency: External Forces & Industry Knowledge
- Publication Name: Small Talk
- Topics: Financial Reporting & Accounting>Statutory accounting
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The Actuarial Opinion Model Regulation AOMRTakes Center Stage
toughest regulatory state). 2. Regulators — their primary objection was that a Section 7 reserve opinion ... requirements to measure liabilities for long-term care and non-cancelable disability. These products ...- Authors: Norman E Hill
- Date: Jun 2000
- Competency: External Forces & Industry Knowledge
- Publication Name: The Financial Reporter
- Topics: Financial Reporting & Accounting>Statutory accounting
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Updated Regulatory Gamut—From OFC to PBR and In Between
provision that, on heavily coinsured term insurance, direct versus ceded modal pre- mium differences would ... annuities and health insurance, including long-term care. Summary As always, there are a host of regulatory ...- Authors: Norman E Hill
- Date: Nov 2009
- Competency: External Forces & Industry Knowledge; Technical Skills & Analytical Problem Solving
- Publication Name: Small Talk
- Topics: Public Policy
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Principles Based Valuation—Should SmallCompanies Be Steamed by This Steamroller?
framework for a viable valuation structure. Our primary trade association, the American Council of Life ... statutory reserve developments of all sorts. 10. One primary concern over Principles Based Valuation is the ...- Authors: Norman E Hill
- Date: Jun 2006
- Competency: External Forces & Industry Knowledge; Professional Values
- Publication Name: Small Talk
- Topics: Actuarial Profession>Standards of practice; Annuities>Reserves - Annuities; Life Insurance>Reserves - Life Insurance
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Regulatory Update – 2010 NAIC Summer National Meeting
Regulatory Update – 2010 NAIC Summer National Meeting A discussion of the events of the NAIC ... (VM25). However, the latest discussion of long-term care calculations under PBR indicates complete reliance ...- Authors: Norman E Hill
- Date: Nov 2010
- Competency: External Forces & Industry Knowledge
- Publication Name: Small Talk
- Topics: Public Policy
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More Regulation, More Uncertainty
More Regulation, More Uncertainty This article summarizes current regulatory activity discussed ... 3. For non-variable annuities and long-term care, where no VM work has been completed as yet, requiring ...- Authors: Norman E Hill
- Date: Jun 2009
- Competency: External Forces & Industry Knowledge; Technical Skills & Analytical Problem Solving
- Publication Name: Small Talk
- Topics: Life Insurance>Reserves - Life Insurance; Public Policy