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Annuities

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Insurance Index by Title

American Council of Life Insurers:  American Council of Life Insurers (ACLI) is a unified voice on issues from retirement security to tax policy to international trade. We are backed by an industry with 250 years of experience protecting American families and businesses. ACLI shapes public debate, stays ahead of trends, and helps its members compete in changing times.

Americans for Insurance Reforms:  We all depend on reasonably priced insurance to live safe and healthy lives. Yet because of scant oversight of insurance industry activities, insurers can impose rate hikes that are so astronomical that they threaten the ability of businesses and professionals, homeowners or motorists to function.

National Association of Insurance Commissioners:  The National Association of Insurance Commissioners (NAIC) is the organization of insurance regulators from the 50 states, the District of Columbia and the four U.S. territories.

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Basic Training Doesn't Guard Against Insurance Pitch to G.I.'s, Diana B. Henriques, The New York Times, July 20, 2004.  “Nicholas Stachler was 19 years old when he reported for basic training with the Army at Fort Benning, Ga., before shipping out for 11 months to Iraq.  A gentle, trusting man, he had only weeks earlier graduated from high school with a handful of trophies in hockey and soccer, middling grades and hardly a clue about how to handle his money. He had held only casual jobs baby-sitting and mowing lawns and had never opened a checking account. The bus trip to boot camp, from the foothills of the Appalachians in southern Ohio to the kudzu-covered fields of western Georgia, took him farther from home than he had ever been.  About six weeks into his training - six weeks of combat drills and drummed-in lessons in Army ways - he tasted one of the less-honorable traditions of military life: a compulsory classroom briefing on personal finance that was a life insurance sales pitch in disguise.”  (Insurance | Financial Firms | Sales Agents)

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Florida Examines Higher Insurance Deductibles, Jospeh B. Treaster, The New York Times, September 16, 2004.  “Twelve years ago when Hurricane Andrew pummeled South Florida, 11 small insurance companies went out of business and the giants in home insurance, State Farm and Allstate, were staggered.  But industry analysts say that is not going to happen this year, even though not one, but two, hurricanes have torn up thousands of houses and businesses across the state and a third, Hurricane Ivan, was expected to affect the Florida Panhandle late Wednesday or early Thursday.  The insurance companies are expected to do fine, industry experts said, because the insurers, with the approval of Florida officials, have cut back on hurricane coverage, shifting much of the initial cost of repairs and reconstruction to the people who suffered the damage.” (Insurance (Property and Casualty and Deductibles))

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How a Top Marsh Employee Turned the Tables on Insurers, Ellen E. Schultz, The Wall Street Journal, October 22, 2004.  “In the 1990s, William Gilman, a star broker at Marsh & McLennan Cos., helped pioneer a fee arrangement with big insurance clients that propelled the world's largest insurance broker to new levels of profitability, associates say. Now, that arrangement has plunged Marsh into scandal.  Mr. Gilman was the driving force at an insurance-brokerage unit that had become a powerhouse for Marsh, colleagues say, generating a significant portion of Marsh's income with a relatively small staff -- just 1,200 of more than 43,000 employees world-wide.” (Insurance (Property & Casualty) | Bid Rigging (Contingent Commissions: Placement Services Agreement))

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Insurance Scandal Shakes Main Street, Timothy L. O’brien and Joseph B. Treaster, The New York Times, April 17, 2005.  “Like many doctors in private practice, Andrew A. Slemp Jr. figured that he could earn enough from the small surgical group he started in Roanoke, Va., to enjoy a comfortable retirement. But Dr. Slemp, who is in his early 60's, recently dissolved his practice after running into financial trouble when his malpractice insurer collapsed.  In Kansas City, Kan., another doctor, Joel N. Schroeder, is considering filing for bankruptcy. He is unable to pay a $750,000 malpractice claim that a state judge levied against him on behalf of survivors of an elderly stroke victim. Before the case went to trial, Dr. Schroeder, who contested the accusation, learned that his malpractice insurer, the same as Dr. Slemp's, had imploded." (Insurance | Accounting (Reinsurance) | Insurance (Malpractice) | Reciprocal of America)

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Spitzer Charges Bid Rigging In Insurance, Theo Francis, The Wall Street Journal, October 15, 2004.  “Marsh & McLennan Cos., the world's biggest insurance broker, cheated corporate clients by rigging bids and collecting huge fees from major insurance companies for throwing business their way, according to allegations made by New York Attorney General Eliot Spitzer.  Mr. Spitzer's charges came in a civil suit as well as in plea-bargain deals on criminal charges against two insurance executives.  The civil complaint filed by Mr. Spitzer against Marsh in state supreme court in Manhattan names insurance companies American International Group Inc., Ace Ltd., Hartford Financial Services Group Inc. and Munich-American Risk Partners as participants with Marsh in paying improper fees and bid rigging.” (Insurance | Bid Rigging | Insurance (Property & Casualty)

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Trials and Tabulations: Shareholders, Insurers Cover Some Executives' Legal Fees, Carrie Johnson and Ben White, The Washington Post, May 5, 2004.  "A few years ago, the city of Houston decided to sweeten its workers' retirement benefits. Along with their traditional pensions, city workers nearing retirement were offered special accounts, fed with money from the city pension fund. Although the accounts would pay generous returns, a study showed that the cost to the city would be modest.  What seemed a good idea then now looks ruinous. Hundreds of older workers will qualify for million-dollar payouts at retirement from these accounts. When their monthly pension checks start coming, some will actually have higher incomes than they did when they were working.  The city pension fund cannot support the payouts and has about $1.5 billion less than the benefits it owes the work force. The district attorney is looking into possible wrongdoing. City voters will go to the polls on May 15 to decide whether Houston should opt out of a Texas constitutional requirement that all pension promises be kept."  (Insurance (Legal Issues))

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U.S. Judge Freezes Doctors' Accounts In Tax Fraud Probe, Rob Wells, The Wall Street Journal, November 5, 2004.  “A judge ordered more than $500 million in investment accounts frozen as the Justice Department probes charges of tax avoidance involving a company that markets tax-savings plans to doctors.  The Internal Revenue Service estimates that some 4,000 doctors are involved in what it called a fraudulent tax-reduction scheme, and they could owe as much as $420 million in taxes plus interest and penalties, Justice Department officials said. That works out to more than $100,000 per taxpayer.” (Insurance (Tax Avoidance) | Accounting (Windows Dressing Insurance))

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