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Small Talk Newsletter, November 2005, Issue No. 25
individual life, disability income or long-term care insurance. Two important changes are about to af- ... benefit without involvement of an insurer. The primary source of debt protection remains in the credit ...- Authors: Society of Actuaries, Roger Annin, Christopher Hause, Norman E Hill, Terry Long, James Thompson, Philip Velazquez, Daniel Winslow, Denise Love, Donna K Ferguson
- Date: Nov 2005
- Publication Name: Small Talk
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Small Talk Newsletter, June 2007, Issue No. 28
preliminary Academy presentation on PBR for long-term care was made to LHATF. It was structured as a series ... assumptions. Another regulator stated that long-term care reserves under PBR should be twice as high as current ...- Authors: Society of Actuaries, Mark Birdsall, Norman E Hill, Cary O Lakenbach, Leon Langlitz, Raymond Ted Schlude, James Thompson, Ronora Stryker, Meg Weber, Arthur Aaronson
- Date: Jun 2007
- Publication Name: Small Talk
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Regulatory Update for 2014
exemption. Currently, it is $300 million ordinary life direct plus assumed premiums for a company and $600 million ... would be divided between “Primary Securities” and “Other Securities.” Primary Securities would be regu- ...- Authors: Norman E Hill
- Date: Mar 2015
- Publication Name: Small Talk
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Small Talk Newsletter, September 1999, Issue No. 14
independent agency, insurer, reinsurer, direct market or direct writer—can win in the new game. The industry ... opened West. The second transformation was the direct writers’ rise to personal line dominance. After ...- Authors: Norma Y Christopher, Christian J DesRochers, Norman E Hill, John M O'Sullivan, James Thompson, Scott J Cipinko, Tim Pease, Kevin Keegan, Ara C Trembly
- Date: Sep 1999
- Publication Name: Small Talk
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Worksite Marketing
there has been some interest in selling long-term-care cover- age on a worksite basis. For ages under 65 ... attempt to retain their coverage by converting to direct billing. Often, Preauthorized Check System (PAC) ...- Authors: Norman E Hill
- Date: Dec 1998
- Publication Name: Small Talk
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Small Talk Newsletter, May 1999, Issue No. 13
This hotly argued rec- ommendation will have a direct impact on the bottom line and give rise to addi- ... complacency. Corporate law typically imposes standards of care on the company’s managers and directors which could ...- Authors: Richard H Browne, Cherri R Divin, Norman E Hill, Mike Lombardi, James Thompson, Scott J Cipinko, Cecilia Green, Jacqueline Bitowt, Thomas F Streiff, Ara C Trembly
- Date: May 1999
- Publication Name: Small Talk
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Small Talk Newsletter, December 1998, Issue No. 12
remember changes in our nation’s overall health care system were almost mandated on employers. The same ... from both valuation and tax perspectives. The primary products affected are level premium term insurance ...- Authors: Norman E Hill, James Reiskytl, Edward J Slaby, James Thompson, James Van Elsen, Patrick Lusk, Al Barthelman, Wallace F Dale, Rick Storms
- Date: Dec 1998
- Publication Name: Small Talk
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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