2013년 11월 28일 목요일

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By Adrianne Cerezo

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About 'private medical insurance uk'|Why PMI Reasons more are choosing health insurance...







About 'private medical insurance uk'|Why PMI Reasons more are choosing health insurance...








Ａ               ｔｒａｄｉｔｉｏｎａｌ               ｌｉｆｅ               ｉｎｓｕｒａｎｃｅ               ｐｏｌｉｃｙ               ｃｏｎｔｒａｃｔｓ               ｂｅｔｗｅｅｎ               ｐｏｌｉｃｙ               ｏｗｎｅｒ               ａｎｄ               ｉｎｓｕｒｅｒ               (ｉｎｓｕｒａｎｃｅ               ｃｏｍｐａｎｙ).

Ｔｈｅ               ｐｏｌｉｃｙ               ｏｗｎｅｒ               ｐａｙｓ               ａｎ               ａｇｒｅｅｄ               ｕｐｏｎ               ｐｒｅｍｉｕｍ               ｄｕｒｉｎｇ               ｔｈｅ               ｌｉｆｅ               ｏｆ               ｔｈｅ               ｃｏｎｔｒａｃｔ               ｏｒ               ｌｕｍｐ               ｓｕｍ.

Ｉｆ               ｔｈｅ               ｉｎｓｕｒｅｒ               ｓｔｏｐｓ               ｐａｙｉｎｇ               ａ               ｐｒｅｍｉｕｍ,               ｄｅｐｅｎｄｉｎｇ               ｕｐｏｎ               ｔｈｅ               ｐｏｌｉｃｙ,               ｔｈｅ               ｌｉｆｅ               ｉｎｓｕｒａｎｃｅ               ｐｏｌｉｃｙ               ｍａｙ               ｂｅ               ｄｅｃｌａｒｅｄ               ｉｎｖａｌｉｄ.

Ｕｐｏｎ               ｔｈｅ               ｄｅａｔｈ               ｏｆ               ｔｈｅ               ｉｎｓｕｒｅｒ,               ｂｅｎｅｆｉｃｉａｒｙ               ｏｒ               ｂｅｎｅｆｉｃｉａｒｉｅｓ               ｎａｍｅｄ               ｏｎ               ｔｈｅ               ｌｉｆｅ               ｉｎｓｕｒａｎｃｅ               ｐｏｌｉｃｙ               ｒｅｃｅｉｖｅ               ａ               ｌｕｍｐ               ｓｕｍ               ａｍｏｕｎｔ.

Ｍｏｓｔ               ｌｉｆｅ               ｉｎｓｕｒａｎｃｅ               ｃｏｖｅｒａｇｅ,               ｄｅａｔｈ               ｂｅｎｅｆｉｔ               ｐａｉｄ               ｃｏｎｄｉｔｉｏｎａｌ               ｕｐｏｎ               ｄｅａｔｈ               ａｔｔｒｉｂｕｔｅｄ               ｔｏ               ｎａｔｕｒａｌ               ｃａｕｓｅｓ,               ａｃｃｉｄｅｎｔａｌ               ｄｅａｔｈ               ｏｒ               ｒｅｌａｔｅｄ               ｔｏ               ａ               ｓｉｃｋｎｅｓｓ.

1               Ｗｈｅｎ               ｐｕｒｃｈａｓｉｎｇ               ａ               ｌｉｆｅ               ｉｎｓｕｒａｎｃｅ               ｐｏｌｉｃｙ               ｆｏｒ               ｓｏｍｅｏｎｅ               ｅｌｓｅ,               ｓｕｃｈ               ａｓ               ａ               ｒｅｌａｔｉｖｅ               (ｗｉｆｅ,               ｈｕｓｂａｎｄ,               ｇｒａｎｄｐａｒｅｎｔ               ｏｒ               ｃｈｉｌｄ),               ｉｎｓｕｒａｂｌｅ               ｉｎｔｅｒｅｓｔ               ｍｕｓｔ               ｂｅ               ｐｒｅｓｅｎｔ:               Ｅｓｔａｂｌｉｓｈｉｎｇ               ａ               ｓｕｆｆｉｃｉｅｎｔ               ｓｔｒｏｎｇ               ｒｅｌａｔｉｏｎｓｈｉｐ               ｗｉｔｈ               ｔｈａｔ               ｐｅｒｓｏｎ               ｂａｓｅｄ               ｏｎ               ｂｌｏｏｄ,               ｍａｒｒｉａｇｅ               ｏｒ               ｍｏｎｅｔａｒｙ               ｉｎｔｅｒｅｓｔ               (Ｅｘａｍｐｌｅｓ:               Ａ               ｃｒｅｄｉｔｏｒ               ｉｎｓｕｒｅｓ               ａ               ｄｅｂｔｏｒ'ｓ               ｄｅｂｔ               ｗｉｌｌ               ｂｅ               ｐａｉｄ               ａｆｔｅｒ               ｄｅａｔｈ,               ｒｅｌａｔｉｏｎｓｈｉｐ               ｂｅｔｗｅｅｎ               ａ               ｂｕｓｉｎｅｓｓ               ａｎｄ               ａ               ｋｅｙ               ｅｍｐｌｏｙｅｅ               ｏｒ               ｔｈｅ               ｒｅｌａｔｉｏｎｓｈｉｐ               ａｍｏｎｇ               ｐａｒｔｎｅｒｓ               ｉｎ               ａ               ｐａｒｔｎｅｒｓｈｉｐ               ｏｒ               ｓｔｏｃｋｈｏｌｄｅｒｓ               ｉｎ               ａ               ｌｉｍｉｔｅｄ               ｈｅｌｄ               ｃｏｒｐｏｒａｔｉｏｎ.)               2
               Ｕｎｆｏｒｔｕｎａｔｅｌｙ,               ｇｒｅａｔ               ｎｕｍｂｅｒ               ｏｆ               ｓｅｎｉｏｒｓ               (65               ｙｅａｒｓ               ｏｒ               ｏｌｄｅｒ,               ｎｅｔ               ｗｏｒｔｈ               ｏｆ               ｍｏｒｅ               ｔｈａｎ               ｏｎｅ               ｍｉｌｌｉｏｎ               ｄｏｌｌａｒｓ               ｏｒ               ｆａｌｌｉｎｇ               ｈｅａｌｔｈ               10.)               ｈａｖｅ               ｂｅｅｎ               ａｐｐｒｏａｃｈｅｄ               ｂｙ               ｉｎｖｅｓｔｏｒｓ               ｏｒ               ｎｏｎ               -               ｌｉｆｅ               ｉｎｓｕｒａｎｃｅ               ａｇｅｎｔｓ,               ｏｆｆｅｒｉｎｇ               ａ               ｍｏｒｂｉｄ               ｔｙｐｅ               ｏｆ               ｌｉｆｅ               ｉｎｓｕｒａｎｃｅ               ｐｏｌｉｃｙ               ｃａｌｌｅｄ               Ｓｔｒａｎｇｅｒ-Ｏｒｉｇｉｎａｔｅｄ               Ｌｉｆｅ               Ｉｎｓｕｒａｎｃｅ               (ＳＴＯＬＩ               ｏｒ               Ｓｐｅｃｕｌａｔｏｒ               Ｉｎｉｔｉａｔｅｄ               Ｌｉｆｅ               Ｉｎｓｕｒａｎｃｅ               (ＳＰＩＮＬＩＦＥ)               ｓｃｈｅｍｅｓ).

3               Ａｌｓｏ,               ｔｈｉｓ               ｔｙｐｅ               ｏｆ               ｌｉｆｅ               ｉｎｓｕｒａｎｃｅ               ｐｏｌｉｃｙ               ｃａｌｌｅｄ               ｚｅｒｏ-ｐｒｅｍｉｕｍ               ｌｉｆｅ               ｉｎｓｕｒａｎｃｅ               ｐｏｌｉｃｉｅｓ               7               Ａ               ＳＴＯＬＩ               ｓｃｈｅｍｅ               ｔｙｐｉｃａｌｌｙ               ｓｔａｒｔｓ               ｂｙ               ａｎ               ａｇｅｎｔ               (ｒｅｐｒｅｓｅｎｔｉｎｇ               ｉｎｖｅｓｔｏｒｓ:               Ｐｅｎｓｉｏｎ               ｆｕｎｄｓ,               ｃｏｌｌｅｇｅ               ｅｎｄｏｗｍｅｎｔｓ,               ｈｅｄｇｅ               ｆｕｎｄｓ               ａｎｄ               ｏｔｈｅｒ               ｐｒｏｆｅｓｓｉｏｎａｌ               ｉｎｖｅｓｔｏｒｓ               7)               ｎｏｔ               ｅｍｐｌｏｙｅｄ               ｂｙ               ａｎ               ｉｎｓｕｒａｎｃｅ               ｃｏｍｐａｎｙ,               ｏｆｆｅｒｉｎｇ               ａ               ｌｉｆｅ               ｉｎｓｕｒａｎｃｅ               ｐｏｌｉｃｙ,               ａｎｄ               ｍａｙ               ｉｎｃｌｕｄｅ               ａｎ               ｏｆｆｅｒ               ｔｏ               ｆｉｎａｎｃｅ               ｔｈｅ               ｐｒｅｍｉｕｍ               ｐａｙｍｅｎｔｓ               ｄｕｒｉｎｇ               ｔｈｅ               ｆｉｒｓｔ               ｔｗｏ               ｙｅａｒ               ｐｅｒｉｏｄ               ｋｎｏｗｎ               ａｓ               ｉｎｓｕｒａｂｌｅ               ｉｎｔｅｒｅｓｔ               ｐｅｒｉｏｄ               (ｃｏｎｔｅｓｔａｂｉｉｌｉｔｙ               ｐｅｒｉｏｄ               8).

Ａｆｔｅｒ               ｔｗｏ               ｙｅａｒｓ,               ｔｈｅ               ａｇｅｎｔ               ｗｉｌｌ               ｂｕｙ               ｔｈｅ               ｐｏｌｉｃｙ               ｆｒｏｍ               ｔｈｅ               ｉｎｓｕｒｅｄ               ｐｅｒｓｏｎ,               ｏｆｆｅｒｉｎｇ               ａ               ｃａｓｈ               ｉｎｃｅｎｔｉｖｅ               (ｐｏｔｅｎｔｉａｌｌｙ               ｔｈｏｕｓａｎｄｓ               ｏｆ               ｄｏｌｌａｒｓ               4)               9               Ｔｈｉｓ               ｔａｃｔｉｃ               ｏｆｔｅｎ               ａｖｏｉｄｓ               ｓｔａｔｅ               ｉｎｓｕｒａｂｌｅ               ｉｎｔｅｒｅｓｔ               ｌａｗｓ.10               Ｔｈｅ               ｓｅｔｔｉｎｇ               ｆｏｒ               ｃｏｎｖｉｎｃｉｎｇ               ａ               ｓｅｎｉｏｒ               ｔｈｅ               ｍｅｒｉｔｓ               ｏｆ               ａ               ＳＴＯＬＩ,               ｆｒｅｑｕｅｎｔｌｙ               ｔａｋｅｓ               ｐｌａｃｅ               ｉｎ               ａ               ｐｌｅａｓａｎｔ               ｓｕｒｒｏｕｎｄｉｎｇｓ,               ｓｕｃｈ               ａｓ               ａ               ｒｅｓｔａｕｒａｎｔ               ｏｒ               ｙａｃｈｔ.

Ｄｕｒｉｎｇ               ｓｕｃｈ               ａ               ｍｅｅｔｉｎｇ,               ａｎ               ａｇｅｎｔ               ｍａｙ               ｃｈａｒａｃｔｅｒｉｚｅ               ａ               Ｓｔｒａｎｇｅｒ-Ｏｒｉｇｉｎａｔｅｄ               Ｌｉｆｅ               Ｉｎｓｕｒａｎｃｅ               ｂｙ               ｓａｙｉｎｇ:               "ｒｉｓｋ               ｆｒｅｅ"               ｏｒ               "ｎｏ-ｃｏｓｔ".

3               Ｃｅｒｔａｉｎｌｙ               ａ               ｌｕｍｐ               ｓｕｍ               ｏｆｆｅｒｅｄ               ｔｏ               ａ               ｓｅｎｉｏｒ               ｃａｎ               ｂｅ               ｖｅｒｙ               ｌｕｃｒａｔｉｖｅ,               ｅｓｐｅｃｉａｌｌｙ               ｉｆ               ｓｅｎｉｏｒ               ｈａｓ               ｂｉｌｌｓ               ｔｏ               ｐａｙ               (ｒｅｇａｒｄｉｎｇ               ａ               ｔｅｒｍｉｎａｌ               ｉｌｌｎｅｓｓ,               ｃｒｅｄｉｔ               ｃａｒｄ               ｄｅｂｔ               ｏｒ               ｅｘｐｅｎｓｉｖｅ               ｈｅａｌｔｈ               ｃａｒｅ               ｃｏｓｔｓ               7)               ｏｒ               ｈａｐｐｙ               ｔｏ               ｒｅｃｅｉｖｅ               ｆａｓｔ               ｍｏｎｅｙ               ｔｏ               ｂｕｙ               ｔｈｉｎｇｓ.

Ｈｏｗｅｖｅｒ,               ｃｏｎｓｕｍｅｒｓ               (ｓｅｎｉｏｒｓ)               ａｒｅ               ｎｏｔ               ｌｉｋｅｌｙ               ｉｎｆｏｒｍｅｄ               ｌｕｍｐ               ｓｕｍ               ｃａｎ               ｂｅ               ｒｅｄｕｃｅｄ               ｂｙ               ｃｏｍｍｉｓｓｉｏｎｓ,               ｔａｘｅｓ               (Ｃｏｎｔｒａｒｙ               ｔｏ               ｔｒａｄｉｔｉｏｎａｌ               ｔａｘ               ｆｒｅｅ               ｐｒｏｔｅｃｔｉｏｎ               ｒｅｃｅｉｖｉｎｇ               ｌｉｆｅ               ｉｎｓｕｒａｎｃｅ               ｐａｙｏｕｔ.

Ａ               ＳＴＯＬＩ               ｔｒａｎｓａｃｔｉｏｎ               ｔｈｅ               ｓｅｎｉｏｒ               ｒｅｑｕｉｒｅｄ               ｔｏ               ｐａｙ               ｔａｘｅｓ               ｏｎ               ｍｏｎｅｙ               ｒｅｃｅｉｖｅｄ               ａｓ               ａ               ｐａｙｏｕｔ               ｏｒ               ｉｎｃｅｎｔｉｖｅ               3)               ａｎｄ               ｏｔｈｅｒ               ｃｏｓｔｓ.

Ｂｅｓｉｄｅｓ               ｈｅｉｒｓ               ｔｏ               ｓｅｎｉｏｒ               ｅｓｔａｔｅｓ               ｗｉｌｌ               ｂｅ               ｖｅｒｙ               ａｎｇｒｙ,               ｍａｙ               ｎｅｅｄ               ｔｈｅ               ｍｏｎｅｙ               ｔｏ               ｐａｙ               ｏｆｆ               ｄｅｃｅａｓｅｄ               ｄｅｂｔｓ               (ｔａｘｅｓ,               ｂｕｒｉａｌ               ｅｘｐｅｎｓｅｓ               ｏｒ               ｏｔｈｅｒ               ｄｅｂｔｓ),               ｂｅｆｏｒｅ               ｒｅｃｅｉｖｉｎｇ               ａｎｙ               ｉｎｈｅｒｉｔａｎｃｅ.

4               Ｈｏｗｅｖｅｒ,               ｓｏｍｅｔｉｍｅｓ               ｔｈｅ               ｉｎｓｕｒｅｒ               (ｓｅｎｉｏｒ)               ｍａｙ               ｂｅ               ｐｒｏｍｉｓｅｄ               ｈｉｓ               ｏｒ               ｈｅｒ               ｂｅｎｅｆｉｃｉａｒｉｅｓ               ｒｅｃｅｉｖｅ               ａ               ｓｍａｌｌ               ｐｏｒｔｉｏｎ               ｏｆ               ｔｈｅ               ｐｏｌｉｃｙ               ｐｒｏｃｅｅｄｓ.

14               Ａｃｃｏｒｄｉｎｇ               ｔｏ               ｔｈｅ               ｔｅｒｍｓ               ｏｆ               ａ               Ｓｔｒａｎｇｅｒ-Ｏｒｉｇｉｎａｔｅｄ               Ｌｉｆｅ               Ｉｎｓｕｒａｎｃｅ               ｃｏｎｔｒａｃｔ,               ｔｈｅ               ｉｎｓｕｒａｎｃｅ               ｐｏｌｉｃｙ               ｐｕｒｃｈａｓｅｄ               ｂｙ               ｉｎｖｅｓｔｏｒｓ,               ｈｏｗｅｖｅｒ               ｔｈｅ               ｓｅｎｉｏｒ               ｍａｙ               ｎｏｔ               ｂｅ               ａｂｌｅ               ｔｏ               ｏｂｔａｉｎ               ａｄｄｉｔｉｏｎａｌ               ｌｉｆｅ               ｉｎｓｕｒａｎｃｅ               ｆｏｒ               ａ               ｌｅｇｉｔｉｍａｔｅ               ｎｅｅｄ               ｉｎ               ｔｈｅ               ｆｕｔｕｒｅ.

3               Ａｌｓｏ,               ｏｎｃｅ               ａｎ               ｉｎｖｅｓｔｏｒ               ｆｉｒｍ               ｏｒ               ｇｒｏｕｐ               ｏｗｎｓ               ａ               ｌｉｆｅ               ｉｎｓｕｒａｎｃｅ               ｐｏｌｉｃｙ               (ｌｉｆｅ               ａ               ｓｅｎｉｏｒ),               ｄｕｒｉｎｇ               ｔｈｅ               ｔｉｍｅ               ｔｈｅ               ｓｅｎｉｏｒ               ｉｓ               ａ               ｌｉｖｅ               ｔｈａｔ               ｐｏｌｉｃｙ               ｃａｎ               ｂｅ               ｓｏｌｄ               ｔｏ               ａｎｏｔｈｅｒ               ｇｒｏｕｐ               ｏｆ               ｉｎｖｅｓｔｏｒｓ,               ｐｏｔｅｎｔｉａｌｌｙ               ｏｃｃｕｒｒｉｎｇ               ｍｕｌｔｉｐｌｅ               ｔｉｍｅｓ.

Ａｃｔｕａｌｌｙ               ｔｈｅ               ｖａｌｕｅ               ｏｆ               ｔｈｅ               ｌｉｆｅ               ｉｎｓｕｒａｎｃｅ               ｐｏｌｉｃｙ               ｍａｙ               ｉｎｃｒｅａｓｅ               ｉｎ               ｖａｌｕｅ,               ｌｉｋｅ               ａ               ｓｔｏｃｋ               ｏｒ               ａ               ｂｏｎｄ,               ａｓ               ｔｈｅ               ｓｅｎｉｏｒ               ｇｅｔｓ               ｏｌｄｅｒ               ｏｒ               ｈｅａｌｔｈ               ｄｉｍｉｎｉｓｈｅｓ,               ｕｎｄｅｒｓｃｏｒｉｎｇ               ｔｈｅ               ｐｏｔｅｎｔｉａｌ               ｏｆ               ｍｉｌｌｉｏｎｓ               ｏｆ               ｄｏｌｌａｒｓ               ｃｏｌｌｅｃｔｅｄ               ｆｒｏｍ               ｔｈｅ               ｌｉｆｅ               ｉｎｓｕｒａｎｃｅ               ｐｏｌｉｃｙ               ｏｒ               ｐｏｌｉｃｉｅｓ               ｏｆ               ｏｔｈｅｒ               ｓｅｎｉｏｒｓ               ｕｐｏｎ               ｄｅａｔｈ.

3               Ｂｉｇ               ｍｏｎｅｙ               ｉｎｖｅｓｔｏｒｓ               ｏｎ               Ｗａｌｌ               Ｓｔｒｅｅｔ               ａｒｅ               ｐｕｒｃｈａｓｉｎｇ               ｔｈｅｓｅ               ｐｏｌｉｃｉｅｓ               ｔｈｅｎ               ｄｉｖｉｄｉｎｇ               ｔｈｅｍ               ｉｎｔｏ               ｔｈｏｕｓａｎｄｓ               ｏｆ               ｂｏｎｄｓ,               ｓｏｌｄ-ｏｆｆ               ｔｏ               ｉｎｖｅｓｔｏｒｓ,               ｈｏｐｉｎｇ               ｔｏ               ｃｏｌｌｅｃｔ               ｕｐｏｎ               ａ               ｓｉｚａｂｌｅ               ｐａｙｏｕｔ               ｕｐｏｎ               ａ               ｐｅｒｓｏｎ'ｓ               ｄｅａｔｈ.

4               "Ｓｅｎｉｏｒｓ               ｏｗｎ               ａｎ               ｅｓｔｉｍａｔｅｄ               $500               ｂｉｌｌｉｏｎ               ｏｆ               ｌｉｆｅ               ｉｎｓｕｒａｎｃｅ               ｉｎ               ｆｏｒｃｅ               ａｎｄ               ｍｏｒｅ               ｔｈａｎ               $120               ｂｉｌｌｉｏｎ               ｉｓ               ｅｓｔｉｍａｔｅｄ               ｔｏ               ｑｕａｌｉｆｙ               ｆｏｒ               ｌｉｆｅ               ｓｅｔｔｌｅｍｅｎｔｓ"               10
               Ｉｎｓｕｒａｎｃｅ               ｃｏｍｐａｎｉｅｓ               ｄｉｓｌｉｋｅ               Ｓｔｒａｎｇｅｒ-Ｏｒｉｇｉｎａｔｅｄ               Ｌｉｆｅ               Ｉｎｓｕｒａｎｃｅ,               ｂｅｃａｕｓｅ               ａｃｔｕａｒｉａｌ               ｍｏｄｅｌｓ               ａｓｓｕｍｅ               ａ               ｃｅｒｔａｉｎ               ｐｅｒｃｅｎｔａｇｅ               ｏｆ               ｃｏｎｓｕｍｅｒｓ               ｗｉｌｌ               ｃａｎｃｅｌ               ｔｈｅｉｒ               ｐｏｌｉｃｉｅｓ               ｏｒ               ｓｔｏｐｐｉｎｇ               ｐａｙｉｎｇ               ｔｈｅｉｒ               ｐｒｅｍｉｕｍｓ               ｐｒｉｏｒ               ｔｏ               ｄｅａｔｈ,               ａｓｓｕｒｉｎｇ               ｐｒｏｆｉｔａｂｌｅ               ｏｕｔｃｏｍｅ               ｆｏｒ               ｉｎｓｕｒａｎｃｅ               ｃｏｍｐａｎｉｅｓ.

(Ａｐｐｒｏｘｉｍａｔｅｌｙ               ｓｉｘ               ｐｅｒｃｅｎｔ               ｏｆ               ｌｉｆｅ               -               ｉｎｓｕｒａｎｃｅ               ｐｏｌｉｃｉｅｓ               ｌａｐｓｅ               ａｃｃｏｒｄｉｎｇ               ｔｏ               ｔｈｅ               Ｉｎｓｕｒａｎｃｅ               ｉｎｆｏｒｍａｔｉｏｎ               ｉｎｓｔｉｔｕｔｅ               16).

Ｈｏｗｅｖｅｒ,               ｉｎｖｅｓｔｏｒｓ               ｔｈａｔ               ｐｕｒｃｈａｓｅ               ｉｎｄｉｖｉｄｕａｌ               ｌｉｆｅ               ｉｎｓｕｒａｎｃｅ               ｐｏｌｉｃｉｅｓ,               ｈａｖｅ               ａ               ｆｉｎａｎｃｉａｌ               ｉｎｔｅｒｅｓｔ               ｔｏ               ｍａｋｅ               ｔｉｍｅｌｙ               ｉｎｄｉｖｉｄｕａｌ               ｐｒｅｍｉｕｍ               ｐａｙｍｅｎｔｓ,               ｎｏｔ               ｌｉｋｅｌｙ               ｔｏ               ｂｅ               ｃａｎｃｅｌｅｄ.

Ａｃｃｏｒｄｉｎｇ               ｔｏ               Ｒｅｐｒｅｓｅｎｔａｔｉｖｅ               Ｊａｙ               Ｈｏｔｔｉｎｇｅｒ               (Ｃｏｌｕｍｂｕｓ,               ＯＨ               5),               Ｓｔｒａｎｇｅｒ-Ｏｒｉｇｉｎａｔｅｄ               Ｌｉｆｅ               Ｉｎｓｕｒａｎｃｅ               ｈａｓ               ｕｎｆｏｒｔｕｎａｔｅ               ｃｏｎｓｅｑｕｅｎｃｅｓ               ｆｏｒ               ｃｏｎｓｕｍｅｒｓ:               Ｉｎｓｕｒａｎｃｅ               ｃｏｍｐａｎｉｅｓ               ｏｆｆｓｅｔ               ａｄｄｉｔｉｏｎａｌ               ｃｌａｉｍｓ               ｂｙ               ｉｎｃｒｅａｓｉｎｇ               ａｓ               ｍｕｃｈ               ａｓ               ｆｉｆｔｅｅｎ               ｐｅｒｃｅｎｔ               ｐｒｅｍｉｕｍｓ.

6
               Ｒｅｐｏｒｔｅｄ               ｉｎ               Ｆｅｂｒｕａｒｙ               2008,               Ｔｈｅ               Ｎｅｂｒａｓｋａ               Ｄｅｐａｒｔｍｅｎｔ               ｏｆ               Ｉｎｓｕｒａｎｃｅ               ｓｕｐｐｏｒｔ               ｎｅｗ               ｌｅｇｉｓｌａｔｉｏｎ               ｂｉｌｌ               (ＬＢ853),               ｂａｓｅｄ               ｕｐｏｎ               ａ               ｎａｔｉｏｎａｌ               ｍｏｄｅｌ,               ｅｘｔｅｎｄｉｎｇ               ｔｈｅ               ｔｗｏ               ｙｅａｒ               ｉｎｓｕｒａｂｌｅ               ｉｎｔｅｒｅｓｔ               ｏｎ               ａ               ｌｉｆｅ               ｉｎｓｕｒａｎｃｅ               ｐｏｌｉｃｙ               (ｗｉｎｄｏｗ)               ｔｏ               ｆｉｖｅ               ｙｅａｒｓ,               ｂｅｆｏｒｅ               ａ               ｌｉｆｅ               ｉｎｓｕｒａｎｃｅ               ｐｏｌｉｃｙ               ｃｏｕｌｄ               ｂｅ               ｓｏｌｄ.

7               Ａｌｓｏ,               ｒｅｐｏｒｔｅｄ               ｉｎ               Ａｐｒｉｌ               2007,               Ｎｏｒｔｈ               Ｄａｋｏｔａ               (ｆｉｒｓｔ               ｓｔａｔｅ)               ａｄｏｐｔｅｄ               ａ               ｓｉｍｉｌａｒ               ｌｅｇｉｓｌａｔｉｏｎ:               Ｉｎｓｕｒａｎｃｅ               ｐｏｌｉｃｙ               ｃａｎ'ｔ               ｂｅ               ｓｏｌｄ               ｔｏ               ｉｎｖｅｓｔｏｒｓ               ｗｉｔｈｉｎ               ｆｉｖｅ               ｙｅａｒｓ               ｏｆ               ｉｓｓｕａｎｃｅ.

"Ｎｉｎｅ               ｓｔａｔｅｓ               ａｒｅ               ｃｏｎｓｉｄｅｒｉｎｇ               ｓｉｍｉｌａｒ               ｌａｗｓ".

15               Ａｃｃｏｒｄｉｎｇ               ｔｏ               Ｎｅｂｒａｓｋａ               Ｓｔａｔｅ               Ｉｎｓｕｒａｎｃｅ               Ｄｉｒｅｃｔｏｒ               Ａｎｎ               Ｆｒｏｈｍａｎ:               "Ｔｈａｔ               ｗｏｕｌｄ               ｄｉｓｃｏｕｒａｇｅ               ｔｈｅ               ｐｒａｃｔｉｃｅ               ｂｅｃａｕｓｅ               ｉｔ               ｗｏｕｌｄ               ｌｉｍｉｔ               ｔｈｅ               ｐｒｏｆｉｔ               ｃｏｍｐａｎｉｅｓ               ｃｏｕｌｄ               ｍａｋｅ               ｗｉｔｈ               ＳＴＯＬＩ,               ｓｉｎｃｅ               ｍｏｒｅ               ｏｌｄｅｒ               ｐｏｌｉｃｙｈｏｌｄｅｒｓ               ｗｏｕｌｄ               ｄｉｅ               ｄｕｒｉｎｇ               ｔｈｅ               ｆｉｖｅ               ｙｅａｒｓ".

Ａｌｓｏ,               Ｓｅｎａｔｏｒ               Ｔｏｍ               Ｃａｒｌｓｏｎ               (Ｈｏｌｄｒｅｇｅ,               Ｎｅｂｒａｓｋａ               11)               ｉｎｖｏｌｖｅｄ               ｉｎ               ｔｈｅ               ｌｉｆｅ               ｉｎｓｕｒａｎｃｅ               ｂｕｓｉｎｅｓｓ               ｆｏｒ               ｄｅｃａｄｅｓ               ｓａｉｄ               ｒｅｇａｒｄｉｎｇ               ｔｈｅ               ｎｅｗ               ｐｒｏｐｏｓｅｄ               ｌｅｇｉｓｌａｔｉｏｎ:               "Ａｎｄ               ｔｈａｔ               ｃｈａｒａｃｔｅｒｉｓｔｉｃ               ｈａｓ               ｂｅｅｎ               ｐｒｅｓｅｒｖｅｄ               ｔｈｒｏｕｇｈ               ａｌｌ               ｔｈｅ               ｙｅａｒｓ               ｂｅｃａｕｓｅ               ｌｉｆｅ               ｉｎｓｕｒａｎｃｅ               ｉｓ               ａ               ｐｒｏｄｕｃｔ               ｔｈａｔ               ｉｓ               ｆｏｒ               ｔｈｅ               ｐｕｂｌｉｃ               ｇｏｏｄ               ｉｔ               ｉｓ               ｎｏｔ               ａ               ｃｏｍｍｏｄｉｔｙ               ｔｏ               ｂｅ               ｂｏｕｇｈｔ               ａｎｄ               ｓｏｌｄ".7               Ｔｈｒｅｅ               ｉｎｓｕｒａｎｃｅ               ｉｎｄｕｓｔｒｙ               ｇｒｏｕｐｓ               (Ｔｈｅ               Ａｍｅｒｉｃａｎ               Ｃｏｕｎｃｉｌ               ｏｆ               Ｌｉｆｅ               Ｉｎｓｕｒａｎｃｅ               (ＡＣＬＩ),               Ｎａｔｉｏｎａｌ               Ａｓｓｏｃｉａｔｉｏｎ               ｏｆ               Ｉｎｓｕｒａｎｃｅ               ａｎｄ               Ｆｉｎａｎｃｉａｌ               Ａｄｖｉｓｏｒｓ               (ＮＡＩＦＡ),               ａｎｄ               Ａｓｓｏｃｉａｔｉｏｎ               ｆｏｒ               Ａｄｖａｎｃｅｄ               Ｌｉｆｅ               Ｕｎｄｅｒｗｒｉｔｉｎｇ               (ＡＡＬＵ))               ｓｅｅｋｉｎｇ               ｌｅｇｉｓｌａｔｉｏｎ'ｓ               ｔｏ               ｃｏｍｂａｔ               ｉｎｃｒｅａｓｉｎｇ               ｎｕｍｂｅｒ               ｏｆ               ｓｔｒａｎｇｅｒ               -               ｏｒｉｇｉｎａｔｅｄ               ｌｉｆｅ               ｉｎｓｕｒａｎｃｅ               (ＳＴＯＬＩ)               ｔｒａｎｓａｃｔｉｏｎｓ,               ａｎｄ               ｏｐｐｏｓｅ               ｌｅｇｉｓｌａｔｉｏｎ               ｔｈａｔ               ｗｉｌｌ               ｅｘｔｅｎｄ               ｔｈｅ               ｔｗｏ               ｙｅａｒ               ｉｎｓｕｒａｂｌｅ               ｉｎｔｅｒｅｓｔ               ｐｅｒｉｏｄ               ｔｏ               ｆｉｖｅ               ｙｅａｒｓ,               ａｓ               "ｃｌｅａｒｌｙ               ａｂｕｓｉｖｅ".

10
               Ｉｎ               ｔｈｅ               Ｓｔａｔｅ               ｏｆ               Ｃａｌｉｆｏｒｎｉａ,               ｌａｗ               ｐｒｏｈｉｂｉｔｓ               ｅｘｅｃｕｔｉｎｇ               ｉｎｓｕｒａｎｃｅ               ｐｏｌｉｃｉｅｓ               ａｓ               "ｗａｇｅｓ"               ｏｎ               ｐｅｏｐｌｅ'ｓ               ｌｉｖｅｓ.

Ｓｔｒａｎｇｅｒ-Ｏｒｉｇｉｎａｔｅｄ               Ｌｉｆｅ               Ｉｎｓｕｒａｎｃｅ               ｍａｙ               ｖｉｏｌａｔｅ               ｔｈａｔ               ｒｕｌｅ               ｂｙ               ｗａｇｉｎｇ               ｏｎ               ａ               ｓｅｎｉｏｒ'ｓ               ｄｅａｔｈ.

Ａｓ               ａ               ｃｏｎｓｅｑｕｅｎｃｅ,               ａｎ               ｉｎｓｕｒｅｒ               ｍａｙ               ｉｎｖａｌｉｄａｔｅ               ａ               ｌｉｆｅ               ｉｎｓｕｒａｎｃｅ               ｐｏｌｉｃｙ               ｓｏｌｄ               ｔｏ               ａｎ               ｉｎｖｅｓｔｍｅｎｔ               ｇｒｏｕｐ,               ｌａｃｋｓ               ｉｎｓｕｒａｂｌｅ               ｉｎｔｅｒｅｓｔ               ("ｅｘｉｓｔ               ｗｈｅｒｅ               ｔｈｅ               ｏｗｎｅｒ               ｏｆ               ｔｈｅ               ｐｏｌｉｃｙ               ｉｓ               ｃｌｏｓｅｌｙ               ｒｅｌａｔｅｄ               ｔｏ               ｔｈｅ               ｉｎｓｕｒｅｄ")               ｃｌａｕｓｅ               ａｎｄ               ｍａｙ               ｓｕｅ               ｔｏ               ｒｅｓｃｉｎｄ               ｔｈｅ               ｐｏｌｉｃｙ.

Ｆｕｒｔｈｅｒｍｏｒｅ               ｉｎｖｅｓｔｏｒｓ               ｈｏｌｄｉｎｇ               ｏｎｔｏ               ｔｈａｔ               ｐｏｌｉｃｙ               ｐｏｔｅｎｔｉａｌｌｙ               ｃｏｕｌｄ               ｓｕｅ               ｔｈｅ               ｓｅｎｉｏｒ               ｏｒ               ｈｉｓ               ｏｒ               ｈｅｒ               ｅｓｔａｔｅ               ｆｏｒ               ｄａｍａｇｅｓ,               ｕｎａｂｌｅ               ｔｏ               ｓｅｃｕｒｅ               ｄｅａｔｈ               ｂｅｎｅｆｉｔ               ｄｅｃｌａｒｅｄ               ｖｏｉｄ.
               Ｔａｉｌ               ｓｉｇｎ               ａ               ｓｅｎｉｏｒ               ｍａｙ               ｂｅ               ｐｅｒｓｕａｄｅｄ               ｉｎｔｏ               ａ               ＳＴＯＬＩ               ｔｒａｎｓａｃｔｉｏｎ,               ａｇｅｎｔ               ｒｅｑｕｅｓｔ               ｃｏｎｆｉｄｅｎｔｉａｌ               ｍｅｄｉｃａｌ               ｉｎｆｏｒｍａｔｉｏｎ,               ｇｉｖｉｎｇ               ｉｎｖｅｓｔｏｒｓ               ｐｒｉｖａｔｅ               ｉｎｆｏｒｍａｔｉｏｎ,               ｅｓｔｉｍａｔｅ               ｌｅｎｇｔｈ               ｏｆ               ｔｉｍｅ               ａ               ｓｅｎｉｏｒ               ｍａｙ               ｌｉｖｅ               ｏｒ               ｄｉｅ.

3               "Ｓｏｕｔｈ               Ｆｌｏｒｉｄａ               ａｓ               ｓｅｅｎ               ａ               ｓｐｅｃｔａｃｕｌａｒ               ｇｒｏｗｔｈ               ｉｎ               ｔｈｅ               ｓａｌｅ               ｏｆ               ｎｏｎ-ｒｅｃｏｕｒｓｅ               ｐｒｅｍｉｕｍ               ｆｉｎａｎｃｉａｌ               ｌｉｆｅ               ｉｎｓｕｒａｎｃｅ               ｐｏｌｉｃｉｅｓ               ｔｏ               ｓｅｎｉｏｒｓ."               12               Ｒｅｃｏｍｍｅｎｄ               ｓｅｎｉｏｒｓ               ｓｈｏｕｌｄ               ａｌｗａｙｓ               ｃｏｎｓｕｌｔ               ａ               ｌａｗｙｅｒ               ｏｒ               ｆｉｎａｎｃｉａｌ               ａｄｖｉｓｏｒ               ｂｅｆｏｒｅ               ｓｉｇｎｉｎｇ               ａ               ｌｉｆｅ               ｉｎｓｕｒａｎｃｅ               ｐｏｌｉｃｙ,               ｅｎｓｕｒｅ               ｔｈｅ               ｃｏｎｔｒａｃｔ               ｉｓ               ｌｅｇａｌ               ａｎｄ               ｎｏｔ               ａ               Ｓｔｒａｎｇｅｒ-Ｏｒｉｇｉｎａｔｅｄ               Ｌｉｆｅ               Ｉｎｓｕｒａｎｃｅ               ｓｃｈｅｍｅ.

3
               Ｉｎ               Ｊａｎｕａｒｙ               30,               2008,               Ｏｈｉｏ               Ｈｏｕｓｅ               ｏｆ               Ｒｅｐｒｅｓｅｎｔａｔｉｖｅｓ               ｐａｓｓｅｄ               ｎｅｗ               ｌｅｇｉｓｌａｔｕｒｅ               Ｂｉｌｌ               404               (Ｈｏｔｔｉｎｇｅｒ/Ｂａｒｒｅｔｔ):               Ｇｉｖｅ               ｔｈｅ               Ｄｅｐａｒｔｍｅｎｔ               ｏｆ               Ｉｎｓｕｒａｎｃｅ               ｇｒｅａｔｅｒ               ｅｎｆｏｒｃｅｍｅｎｔ               ｐｏｗｅｒｓ               ｐｒｅｖｅｎｔｉｎｇ               Ｓｔｒａｎｇｅｒ-Ｏｒｉｇｉｎａｔｅｄ               Ｌｉｆｅ               Ｉｎｓｕｒａｎｃｅ               ｃｏｎｔｒａｃｔｓ.

Ｔｈｅ               ｐａｓｓａｇｅ               ｏｆ               ｔｈｅ               Ｂｉｌｌ               ｉｓ               ａｗａｉｔｉｎｇ               ａｐｐｒｏｖａｌ               ｂｙ               Ｏｈｉｏ               Ｓｅｎａｔｅ.

Ｂｉｌｌ               404               ｐｏｔｅｎｔｉａｌｌｙ               ｗｏｕｌｄ               ｐｒｅｖｅｎｔ               ｎｅｇａｔｉｖｅ               ｉｍｐａｃｔ               ｏｆ               ＳＴＯＬＩ               ｕｐｏｎ               ｔｈｅ               Ｏｈｉｏ               ｉｎｓｕｒａｎｃｅ               ｍａｒｋｅｔ.

Ａｌｓｏ,               ｐａｓｓａｇｅ               ｏｆ               ｔｈｅ               ｂｉｌｌ               ｗｏｕｌｄ               ｍａｋｅ               ａｖａｉｌａｂｌｅ               ａｎｄ               ａｆｆｏｒｄａｂｌｅ               ｉｎｓｕｒａｎｃｅ               ｔｏ               ｏｌｄｅｒ               Ｏｈｉｏａｎｓ.

14
               Ｉｎ               ｔｈｅ               Ｕｎｉｔｅｄ               Ｋｉｎｇｄｏｍ,               Ｎｉｃｋ               Ｋｉｗａｎ,               ｆｒｏｍ               ｔｈｅ               Ａｓｓｏｃｉａｔｉｏｎ               ｏｆ               Ｂｒｉｔｉｓｈ               Ｉｎｓｕｒｅｒｓ,               ｃｏｍｍｅｎｔｅｄ:"Ｉｎ               ｔｈｅ               ＵＫ,               ｗｅ               ｈａｖｅ               ａｎ               ｏｌｄ               ｉｎｓｕｒａｎｃｅ               ｌａｗ               ｄａｔｉｎｇ               ｂａｃｋ               ｔｏ               1774,               ｗｈｉｃｈ               ｓａｙｓ               ｔｈａｔ               ｙｏｕ               ａｒｅ               ｎｏｔ               ａｌｌｏｗｅｄ               ｔｏ               ｔａｋｅ               ｏｕｔ               ａ               ｐｏｌｉｃｙ               ｏｎ               ｓｏｍｅｏｎｅ               ｅｌｓｅ'ｓ               ｌｉｆｅ.

Ｔｈｅｒｅ               ｈａｓ               ｔｏ               ｂｅ               ａｎ               ｉｎｓｕｒａｂｌｅ               ｉｎｔｅｒｅｓｔ."               13
               Ｉｎ               Ａｐｒｉｌ               2007               ｇｒｏｕｐ               ｏｆ               ｂａｎｋｓ               (Ｇｏｌｄｍａｎ               Ｓａｃｈｓ               Ｇｒｏｕｐ               Ｉｎｃ,               Ｃｒｅｄｉｔ               Ｓｕｉｓｓｅ               Ｇｒｏｕｐ,               ａｎｄ               Ｂｅａｒ               Ｓｔｅａｒｎｓ               Ｃｏｓ)               ｃｏｌｌａｂｏｒａｔｅｄ               ｔｏ               ｆｏｒｍ               Ｉｎｓｔｉｔｕｔｉｏｎａｌ               Ｌｉｆｅ               Ｍａｒｋｅｔｓ               Ａｓｓｏｃｉａｔｉｏｎ               (ＩＬＭＡ).

Ｔｈｅ               ａｓｓｏｃｉａｔｉｏｎ               ｓｅｅｋ               ｔｏ               ｂｕｙ               ｐｏｌｉｃｉｅｓ               ｄｉｒｅｃｔｌｙ               ｆｒｏｍ               ｃｏｎｓｕｍｅｒｓ               (ｏｔｈｅｒｗｉｓｅ               ａ               ｃａｒｂｏｎ               ｃｏｐｙ               ｏｆ               Ｓｔｒａｎｇｅｒ-Ｏｒｉｇｉｎａｔｅｄ               Ｌｉｆｅ               Ｉｎｓｕｒａｎｃｅ               17)               ｉｎ               ｌｉｆｅ               -               ｓｅｔｔｌｅｍｅｎｔ               ｂｕｓｉｎｅｓｓ.

Ａｌｓｏ,               ｔｈｅ               ａｓｓｏｃｉａｔｉｏｎ               ｌｏｂｂｙ               ａｇａｉｎｓｔ               ｅｆｆｏｒｔｓ               ｔｏ               ｒｅｓｔｒｉｃｔ               ｏｒ               ｒｅｇｕｌａｔｅ               ｔｈｅ               ｂｕｓｉｎｅｓｓ.16               Ｄｕｒｉｎｇ               2006               ｌｉｆｅ               ｓｅｔｔｌｅｍｅｎｔ               ｍａｒｋｅｔ               ｅｘｐａｎｄｅｄ               ｔｏ               ａｐｐｒｏｘｉｍａｔｅｌｙ               $12               ｂｉｌｌｉｏｎ.19               Ｔｈｅ               Ｉｎｓｔｉｔｕｔｉｏｎａｌ               Ｌｉｆｅ               Ｍａｒｋｅｔｓ               Ａｓｓｏｃｉａｔｉｏｎ               ｇｏａｌ,               ｅｄｕｃａｔｅ               ｃｏｎｓｕｍｅｒｓ               ｂｙ               ｐｒｏｖｉｄｉｎｇ               ａ               ｔｒａｎｓｐａｒｅｎｃｙ               ｏｆ               ｉｎｆｏｒｍａｔｉｏｎ               ｒｅｇａｒｄｉｎｇ               ｌｉｆｅ               ｓｅｔｔｌｅｍｅｎｔ               ｔｒａｎｓａｃｔｉｏｎｓ.

Ｉｎ               ｔｈｅ               ｄｏｃｕｍｅｎｔａｔｉｏｎ               ｐｒｏｖｉｄｅｄ               ｔｏ               ｃｏｎｓｕｍｅｒｓ               ｉｎｃｌｕｄｅｓ:               Ａｍｏｕｎｔ               ｏｆ               ｍｏｎｅｙ               ｃｏｎｓｕｍｅｒｓ               ｗｉｌｌ               ｒｅｃｅｉｖｅ               ｗｈｅｎ               ｔｈｅｙ               ｓｅｌｌ               ｔｈｅｉｒ               ｉｎｔｅｒｅｓｔ               ｉｎ               ａ               ｌｉｆｅ               ｉｎｓｕｒａｎｃｅ               ｐｏｌｉｃｙ,               ｅｓｔｉｍａｔｅｄ               ｃａｓｈ               ｓｕｒｒｅｎｄｅｒ               ｖａｌｕｅ,               ｔｈｅ               ａｍｏｕｎｔ               ｏｆ               ｂｒｏｋｅｒ               ｃｏｍｐｅｎｓａｔｉｏｎ,               ｇｒｏｓｓ               ｓａｌｅｓ               ｐｒｉｃｅ,               ａｎｄ               ｎｅｔ               ａｍｏｕｎｔ               ａ               ｃｏｎｓｕｍｅｒ               ｗｉｌｌ               ｒｅｃｅｉｖｅ               ｆｏｒ               ｔｈｅ               ｓａｌｅ.

Ｆｕｒｔｈｅｒ               ｄｅｔａｉｌｓ               ａｒｅ               ｉｎｃｌｕｄｅｄ               ｉｎ               ｔｈｅ               ｄｉｓｃｌｏｓｕｒｅ               ｓｔａｔｅｍｅｎｔ.

Ｅｘｐｅｃｔｅｄ               ｂｙ               Ｊａｎｕａｒｙ               1,               2008               ｍｅｍｂｅｒｓ               ｏｆ               ＩＬＭＡ               ｃｏｍｍｉｔｔｅｄ               ｔｏ               ｈａｖｅ               ａｖａｉｌａｂｌｅ               ａ               ｄｅｔａｉｌ               ｆｏｒｍ               ｏｕｔ-ｌｉｎｉｎｇ               ｔｏ               ｃｏｎｓｕｍｅｒｓ               ｌｉｆｅ               ｓｅｔｔｌｅｍｅｎｔ               ｔｒａｎｓａｃｔｉｏｎｓ.

"Ｓｕｂｊｅｃｔ               ｔｏ               ｒｅｇｕｌａｔｏｒｙ               ａｐｐｒｏｖａｌ               ａｓ               ｍａｙ               ｂｅ               ｒｅｑｕｉｒｅｄ               ｉｎ               ｖａｒｉｏｕｓ               ｓｔａｔｅｓ."               Ｊａｃｋ               Ｋｅｌｌｙ               ｇｏｖｅｒｎｍｅｎｔ               ｒｅｌａｔｉｏｎｓ               ｄｉｒｅｃｔｏｒ               ｏｆ               ＩＬＭＡ               ｓａｉｄ:               "Ｃｏｎｓｕｍｅｒｓ               ｈａｖｅ               ａ               ｒｉｇｈｔ               ｔｏ               ｋｎｏｗ               ｅｘａｃｔｌｙ               ｈｏｗ               ｍｕｃｈ               ｔｈｅｉｒ               ｌｉｆｅ               ｉｎｓｕｒａｎｃｅ               ｐｏｌｉｃｙ               ｉｓ               ｗｏｒｔｈ               ｉｎ               ｔｈｅ               ｓｅｃｏｎｄａｒｙ               ｍａｒｋｅｔ               ａｎｄ               ｈｏｗ               ｍｕｃｈ               ｔｈｅｉｒ               ｂｒｏｋｅｒｓ               ｗｉｌｌ               ｅａｒｎ               ｉｎ               ｃｏｍｍｉｓｓｉｏｎ."               18
               Ｃｅｌｅｂｒｉｔｉｅｓ               ａｒｅ               ｎｏｔ               ｉｍｍｕｎｅ               ｆｒｏｍ               ｆｒａｕｄｕｌｅｎｔ               ａｇｅｎｔｓ               ｗｈｏ               ｔｒｙ               ｔｏ               ｓｅｌｌ               Ｓｔｒａｎｇｅｒ-Ｏｒｉｇｉｎａｔｅｄ               Ｌｉｆｅ               Ｉｎｓｕｒａｎｃｅ               ｐｏｌｉｃｉｅｓ.

"Ｌａｓｔ               Ｏｃｔｏｂｅｒ               (2007),               ｔａｌｋ               ｓｈｏｗ               ｈｏｓｔ               Ｌａｒｒｙ               Ｋｉｎｇ               ｆｉｌｅｄ               ａ               ｌａｗｓｕｉｔ               ａｇａｉｎｓｔ               ａ               Ｍａｒｙｌａｎｄ               ｉｎｓｕｒａｎｃｅ               ｂｒｏｋｅｒａｇｅ               ｉｎ               ｗｈｉｃｈ               ｈｅ               ａｄｍｉｔｔｅｄ               ｔｏ               ｔａｋｉｎｇ               ｏｕｔ               ａ               $10               ｍｉｌｌｉｏｎ               ｄｏｌｌａｒ               ｐｏｌｉｃｙ               ｗｉｔｈ               ｔｈｅ               ｅｘｐｒｅｓｓ               ｐｕｒｐｏｓｅ               ｏｆ               ｉｍｍｅｄｉａｔｅｌｙ               ｓｅｌｌｉｎｇ               ｔｈｅ               ｐｏｌｉｃｙ               ｉｎ               ａ               ｌｉｆｅ               ｓｅｔｔｌｅｍｅｎｔ               ｂｕｔ               ｌａｔｅｒ               ｃｏｎｃｌｕｄｅｄ               ｈｅ               ｈａｄ               ｇｏｔｔｅｎ               ａ               ｒａｗ               ｄｅａｌ."               8
               Ｒｅｆｅｒｅｎｃｅｓ:
               1.)               Ｌｉｆｅ               Ｉｎｓｕｒａｎｃｅ               -               ｈｔｔｐ://ｅｎ.ｗｉｋｉｐｅｄｉａ.ｏｒｇ/ｗｉｋｉ/Ｌｉｆｅ_ｉｎｓｕｒａｎｃｅ
               2.)               Ｉｎｓｕｒａｂｌｅ               Ｉｎｔｅｒｅｓｔ               -               ｈｔｔｐ://ｗｗｗ.ｉｎｓｕｒａｎｃｅ.ｃｏｍ/ｆａｑｓ/ｌｉｆｅｆａｑｄｅｔａｉｌ.ａｓｐｘ/ｉｎｄｅｘ/9
               3.)               Ｗｈａｔ               ｉｓ               "ＳＴＯＬＩ"               ｏｒ               "ＳＰＩＮＬＩＦＥ"?

-               ｈｔｔｐ://ｗｗｗ.ｉｎｓｕｒａｎｃｅ.ｃａ.ｇｏｖ/0100-ｃｏｎｓｕｍｅｒｓ/0250-ｓｅｎｉｏｒｓ-ｉｓｓｕｅｓ/ｓｅｎｉｏｒ-ｓｔｒａｎｇｅｒ-ｏｗｎｅｄ-ｌｉｆｅ-ｉｎｓｕｒａｎｃｅ.ｃｆｍ
               4.)               Ｓｔｒａｎｇｅｒ-Ｏｒｇｉｎａｔｅｄ               Ｌｉｆｅ               Ｉｎｓｕｒａｎｃｅ               ａ               ｂａｄ               ｄｅｂｔ,               ｒｅｇｕｌａｔｏｒｓ               ｓａｙ               -               ｈｔｔｐ://ｗｗｗ.ｋａｎｓａｓｃｉｔｙ.ｃｏｍ/198/ｓｔｏｒｙ/522898.ｈｔｍｌ
               5.)               Ｊａｙ               Ｈｏｔｔｉｎｇｅｒ               (Ｒ)               -               ｈｔｔｐ://ｗｗｗ.ｈｏｕｓｅ.ｓｔａｔｅ.ｏｈ.ｕｓ/ｊｓｐｓ/ＭｅｍｂｅｒＤｅｔａｉｌｓ.ｊｓｐ?ＤＩＳＴＲＩＣＴ=71
               6.)               Ｓｅｎｉｏｒ               Ｃｉｔｉｚｅｎｓ               ＢＥＷＡＲＥ               ｏｆ               Ｃａｓｈ               Ｃｏｎｖｅｒｓｉｏｎ               ｆｏｒ               Ｌｉｆｅ               Ｉｎｓｕｒａｎｃｅ               Ｓｃａｍ               -               ｈｔｔｐ://ｄａｙｔｏｎｏｓ.ｃｏｍ/?ｐ=593
               7.)               Ｂｉｌｌ               ｔａｋｅｓ               ａｉｍ               ａｔ               ｌｉｆｅ               ｉｎｓｕｒａｎｃｅ               ｇｉｍｍｉｃｋ               -               ｈｔｔｐ://ｗｗｗ.ｊｏｕｒｎａｌｓｔａｒ.ｃｏｍ/ａｒｔｉｃｌｅｓ/2008/02/04/ｎｅｗｓ/ｐｏｌｉｔｉｃｓ/ｄｏｃ47ａ50941ｄ1ｆ78346942555.ｔｘｔ
               8.)               Ｌｉｆｅ               Ｓｅｔｔｌｅｍｅｎｔｓ:               Ｗｈａｔ               Ｉｎｖｅｓｔｏｒｓ               Ｓｈｏｕｌｄ               ｋｎｏｗ               -               ｈｔｔｐ://ｗｗｗ.ｎｕｗｉｒｅｉｎｖｅｓｔｏｒ.ｃｏｍ/ａｒｔｉｃｌｅｓ/ｌｉｆｅ-ｓｅｔｔｌｅｍｅｎｔｓ-ｗｈａｔ-ｉｎｖｅｓｔｏｒｓ-ｓｈｏｕｌｄ-ｋｎｏｗ-51429.ａｓｐｘ
               9.)               Ｇａｍｂｌｉｎｇ               ｏｎ               Ｄｅａｔｈ?

Ｔｒｅｎｄｓ               ｉｎ               ｔｈｅ               Ｂｕｙｉｎｇ               ａｎｄ               Ｓｅｌｌｉｎｇ               Ｄｅａｔｈ               Ｂｅｎｅｆｉｔｓ               -               ｈｔｔｐ://ｗｗｗ.ｃａｈｅａｌｔｈａｄｖｏｃａｔｅｓ.ｏｒｇ/ｎｅｗｓｌｅｔｔｅｒ/2007/12/ｄｅａｔｈ.ｈｔｍｌ
               10.)               ＳＯＵＲＣＥ:               ＩｎｓｕｒａｎｃｅＮｅｗｓＮｅｔ.

Ｉｎｃ               -               ｈｔｔｐ://ｗｗｗ.ｉｎｓｕｒａｎｃｅｎｅｗｓｎｅｔ.ｃｏｍ/ａｒｔｉｃｌｅ.ａｓｐ?ａ=ｔｏｐ_ｌｈ&ｉｄ=87329
               11.)               Ｓｅｎ.

Ｔｏｍ               Ｃａｒｌｓｏｎ               (Ｄｉｓｔｒｉｃｔ               38,               Ｈｏｌｄｒｅｇｅ)               -               ｈｔｔｐ://ｎｅｂｒａｓｋａｌｅｇｉｓｌａｔｕｒｅ.ｇｏｖ/ｗｅｂ/ｐｕｂｌｉｃ/ｓｅｎａｔｏｒｓ/ｂｉｏｓ/ｃａｒｌｓｏｎ
               12.)               ＡＴＴＯＲＮＥＹ               ＡＴ               ＬＡＷ               ＴＨＯＭＡＳ               Ｌ.

ＤＡＶＩＤ               -               ｈｔｔｐ://ｗｗｗ.ｔｄａｖｉｄｌａｗ.ｃｏｍ/
               13.)               Ｃｏｕｌｄ               Ｓｔｏｌｉ               ｓｐｒｅａｄ               ｔｏ               Ｂｒｉｔａｉｎ?

Ｃｉｔｙ               ｗａｔｃｈｄｏｇ               ｓａｙｓ               ｔｈｅ               ｓｙｓｔｅｍ               ｓｔｏｐｓ               ｉｎｓｕｒａｎｃｅ               ｗｉｔｈ               ｓｔｒａｎｇｅｒｓ               -               ｈｔｔｐ://ｗｗｗ.ｉｎｄｅｐｅｎｄｅｎｔ.ｃｏ.ｕｋ/ｎｅｗｓ/ｂｕｓｉｎｅｓｓ/ａｎａｌｙｓｉｓ-ａｎｄ-ｆｅａｔｕｒｅｓ/ｃｏｕｌｄ-ｓｔｏｌｉ-ｓｐｒｅａｄ-ｔｏ-ｂｒｉｔａｉｎ-ｃｉｔｙ-ｗａｔｃｈｄｏｇ-ｓａｙｓ-ｔｈｅ-ｓｙｓｔｅｍ-ｓｔｏｐｓ-ｉｎｓｕｒａｎｃｅ-ｗｉｔｈ-ｓｔｒａｎｇｅｒｓ-783205.ｈｔｍｌ?ｒ=ＲＳＳ
               14.)               Ｄｅｐａｒｔｍｅｎｔ               Ａｄｖｏｃａｔｅｓ               Ｐａｓｓａｇｅ               ｏｆ               ＳＴＯＬＩ               Ｌｅｇｉｓｌａｔｉｏｎ               ｔｏ               Ｐｒｏｔｅｃｔ               Ｏｈｉｏａｎｓ               -               ｈｔｔｐ://ｗｗｗ.ｏｈｉｏｉｎｓｕｒａｎｃｅ.ｇｏｖ/ｉｎｓｕｒａｎｃｅｉｎｓｉｇｈｔｓ/ｓｔｏｒｙ_3.ｈｔｍ
               15.)               Ｎｏｒｔｈ               Ｄａｋｏｔａ               ｂｌａｚｅｓ               ａ               ｒｅｇｕｌａｔｏｒｙ               ｔｒａｉｌ               -               ｈｔｔｐ://ｗｗｗ.ｉｎｖｅｓｔｍｅｎｔｎｅｗｓ.ｃｏｍ/ａｐｐｓ/ｐｂｃｓ.ｄｌｌ/ａｒｔｉｃｌｅ?ＡＩＤ=/20070423/ＦＲＥＥ/70423022/-1/ｃｕｓｔｏｍｅｒｓｅｒｖｉｃｅｓ
               16.)               Ｂｅｔｔｉｎｇ               ｏｎ               ｄｅａｔｈ               ｉｎ               ｔｈｅ               ｉｎｓｕｒａｎｃｅ               ｂｕｓｉｎｅｓｓ               ｓｐａｒｋｓ               ｃｏｎｔｒｏｖｅｒｓｙ               -               ｈｔｔｐ://ｗｗｗ.ｎｅｗｓｄａｙ.ｃｏｍ/ｂｕｓｉｎｅｓｓ/ｃｕｓｔｏｍ/ｒｅｔｉｒｅｍｅｎｔ/ｎｙ-ｂｚｄｅａｔｈ1127,0,129158.ｓｔｏｒｙ
               17.)               ＮＣＯＩＬ               ＧＲＯＵＰ               ＭＥＥＴＳ               ＴＯ               ＤＩＳＣＵＳＳ               ＬＩＦＥ               ＳＥＴＴＬＭＥＮＴ,               ＳＴＯＬＩ               -               ｈｔｔｐ://ｗｗｗ.ｎａｉｆａ.ｏｒｇ/ａｄｖｏｃａｃｙ/ｆｒｏｎｔｌｉｎｅ/ａｄｖｏｃａｃｙｕｐｄａｔｅｓ/20071026_ｎｃｏｉｌ.ｃｆｍ
               18.)               Ｎｅｗ               Ｄｉｓｃｌｏｓｕｒｅｓ               ｆｏｒ               Ｐｏｌｉｃｙ               Ｏｗｎｅｒｓ               Ｐａｒｔ               ｏｆ               Ｉｎｉｔｉａｔｉｖｅ               ｔｏ               Ｅｎｓｕｒｅ               Ｔｒａｎｓｐａｒｅｎｃｙ               -               ｈｔｔｐ://ｗｗｗ.ｎｅｗｓｄａｙ.ｃｏｍ/ｂｕｓｉｎｅｓｓ/ｃｕｓｔｏｍ/ｒｅｔｉｒｅｍｅｎｔ/ｎｙ-ｂｚｄｅａｔｈ1127,0,129158.ｓｔｏｒｙ
               19.)               Ｉｎｓｔｉｔｕｔｉｏｎａｌ               Ｉｎｖｅｓｔｏｒ               Ｊｏｕｒｎａｌｓ               ａｎｄ               ｔｈｅ               Ｌｉｆｅ               Ｉｎｓｕｒａｎｃｅ               Ｓｅｔｔｌｅｍｅｎｔ               Ａｓｓｏｃｉａｔｉｏｎ,               Ｐｕｂｌｉｓｈ               Ｎｅｗ               Ｒｅｓｅａｒｃｈ               ａｎｄ               Ｉｎｖｅｓｔｍｅｎｔ               Ｓｔｒａｔｅｇｉｅｓ               ｉｎ               ａ               Ｓｐｅｃｉａｌ               Ｓｅｃｔｉｏｎ               ｏｎ               Ｌｉｆｅ               Ｓｅｔｔｌｅｍｅｎｔｓ               ｉｎ               ｔｈｅ               Ｊｏｕｒｎａｌ               ｏｆ               Ｓｔｒｕｃｔｕｒｅｄ               Ｆｉｎａｎｃｅ               -               ｈｔｔｐ://ｌｉｓａｓｓｏｃｉａｔｉｏｎ.ｏｒｇ/ｖｌｓａａｍｅｍｂｅｒｓ/ｎｅｗｓ/ｆｉｌｅｓ/ｌｉｓａｎｅｗｓ_26_Ｊｕｌｙ_2007_ｍａｒｋｅｔｗｉｒｅ_Ｌｉｆｅ_Ｓｅｔｔｌｅｍｅｎｔｓ_Ｔｏｐ_12_Ｂｉｌｌｉｏｎ_Ｔｈｉｓ_Ｙｅａｒ.ｐｄｆ






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