January 1984 (4 pages; $10)

• A Brief History of The Insurance Forum
• More on A. L. Williams “UltimaTerm” Brochure

February 1984 (4 pages; $10)

• How to Select an Appropriate Type of Life Insurance
• The Savings Component in Cash-Value Life Insurance
• From the Mailbag

March 1984 (4 pages; $10)

• A Vicious Act of Arson
• Further Developments Concerning A. L. Williams’ Brochure
• The National Underwriter Company’s Improperly Titled Book
• More on Retroactive Liability Insurance
• A. L. Williams’ Forthcoming Article about Joseph M. Belth

April 1984 (4 pages + 4 page supplement; $10)

• W. Robert Blakney
• Northwestern Mutual’s Deceptive Advertisement
• One Man’s Opinion on Rebating in Life Insurance
• More on the Cover-Up in Insurance Academe
• From the Mailbag

May 1984 (4 pages; $10)

• How Not to Advertise Universal Life
• Observations on Flexible Premium Variable Life Insurance
• Attention: James Arness Fans

June 1984 (4 pages; $10)

• Universal Life and Variable Life—How to Evaluate the New Wave of Life Insurance Products
• From the Mailbag

July 1984 (4 pages; $10)

• Observations on Life Insurance Replacement Activity
• Southern Educators’ College Fund Program
• A Few Words on the Unisex Debate
• From the Mailbag

August 1984 (4 pages; $10)

• Thinking the Unthinkable—What Would Happen If a Big Life Insurance Company Were to Get into Financial Difficulty?
• From the Mailbag
• Executives’ Compensation in 1983

September 1984 (4 pages; $10)

• Victory in North Carolina against A. L. Williams’ Efforts to Suppress Distribution of The Insurance Forum
• Further Observations on Flexible Premium Variable Life Insurance
• From the Mailbag
• Intimidation from the A. L. Williams Organization

October 1984 (4 pages; $10)

• Robert W. Osler
• How to Buy Disability Income Insurance

November 1984 (4 pages; $10)

• Is Term Insurance Convertible to Universal Life?
• An Important Weekly Newsletter
• A New Vehicle for Promoting the A. L. Williams Organization
• The Right Thing to Do
• Attention: Regulatory Officials

December 1984 (4 pages; $10)

• Ira M. Ball
• The Piggybacking Scandal at Prudential
• A Prominent Agent Joins the Replacement Industry
• How Not to Protect the Insurance Consumers of Indiana

January 1985 (4 pages; $10)

• A Case Study in the Operation of NAIC Advisory Committees
• From the Mailbag

February 1985 (4 pages; $10)

• How Not to Promote Cash-Value Life Insurance
• More Pseudo Disclosure from the NAIC
• Alan Press Challenges Robert MacDonald
• A Comment Regarding AID Life Insurance Company
• From the Mailbag

March 1985 (4 pages; $10)

• The Second Edition of Life Insurance: A Consumer’s Handbook
• Other Developments at Union Mutual
• A Pair of Case Studies in the Use of Surplus Relief Reinsurance
• From the Mailbag

April 1985 (4 pages; $10)

• The NAIC’s Confidential IRIS Ratios
• Northwestern Mutual’s Deceptive Advertising Marches On
• From the Mailbag

May 1985 (4 pages; $10)

• A. L. Williams’ Common Sense Booklet
• A Misdirected Attack on the Life Insurance Business

June 1985 (4 pages; $10)

• A. L. Williams and the Congressional Record
• More on the NAIC’s Confidential IRIS Ratios
• Joseph Gandolfo and The American College

July 1985 (4 pages; $10)

• A. L. Williams and the United States Congress
• How Not to Handle a Death Claim
• From the Mailbag

August 1985 (4 pages; $10)

• An Important Book about Retirement
• Will the Inside Interest Be Taxed?
• The Case of the Unsuitable Annuity
• Executives’ Compensation in 1984

September 1985 (4 pages; $10)

• Executive Life Declines to Provide Confirmation
• Should Alan Press Replace His Policy?
• More on the Kessler Book
• What the Word “Incontestable” Really Means
• From the Mailbag

October 1985 (4 pages; $10)

• The Coming Era of Disillusionment
• Life of Georgia’s Deceptive Advertisement
• How Not to Sell Universal Life
• Watch Out for Erroneous Payroll Deductions

November 1985 (4 pages + 2 page supplement; $10)

• A. L. Williams and Fidelity Destiny
• Attention: Regulatory Officials
• 1984 Compensation of A. L. Williams, Jr.
• From the Mailbag

December 1985 (4 pages; $10)

• Cargill, Summit National, and the United States Treasury
• The NAIC’s Confidential IRIS Ratios for 1984
• From the Mailbag

January 1986 (4 pages; $10)

• Prudential’s Reinsurance, ERISA, and the Antirebating Laws
• More on Life of Georgia’s Deceptive Advertisement
• A List of Insurance Companies with Consecutive Years of Top Ratings
• A Letter to “The Saturday Evening Post” about A. L. Williams
• From the Mailbag

February 1986 (4 pages; $10)

• The Heavy Users of Surplus Relief Reinsurance
• A Denial from Gerald J. Rankin
• From the Mailbag

March 1986 (4 pages; $10)

• Credit Life, Reinsurance, and the Antirebating Laws
• More on Cargill, Summit National, and the United States Treasury
• From the Mailbag

April 1986 (4 pages; $10)

• Is A. L. Williams Right for the Consumer?

May 1986 (4 pages; $10)

• A. L. Williams and the Life Insurance Capacity Crisis

June 1986 (4 pages; $10)

• Some Unanswered Questions about Two Reinsurance Companies
• The Financiers of the A. L. Williams Organization
• A. L. Williams and Consumer Reports
• From the Mailbag

July 1986 (4 pages; $10)

• A. L. Williams and the Kansas Insurance Department
• A. L. Williams and the United States Navy
• A. L. Williams Goes Back for More Money
• Observations on the 1985 Statement of Lincoln National Life
• Consumer Reports and the Life Insurance Industry
• From the Mailbag

August 1986 (4 pages; $10)

• The NAIC’s Confidential IRIS Ratios for 1985
• Indiana’s IRIS Secrecy Law
• More on the Secondary Financiers of the A. L. Williams Organization
• A Meeting with Officials of Lincoln National Life
• From the Mailbag

September 1986 (4 pages; $10)

• Lincoln National Life’s Surplus Relief Program for Reinsurance Customers—A Case Study in the Circumvention of the Legal Reserve System

October 1986 (4 pages + 2 page supplement; $10)

• More on Lincoln National Life’s Surplus Relief Program
• A New List of Life Insurance Companies with Consecutive Top Ratings from the A. M. Best Company for 1975 through 1986
• Developments on the IRIS Secrecy Front
• Observations on Best’s 1986 Ratings

November 1986 (4 pages; $10)

• Executive Life’s Bermuda Reinsurance
• Lincoln National Life and the Indiana Department
• Executives’ Compensation in 1985

December 1986 (4 pages; $10)

• A New Term Policy from the A. L. Williams Organization
• Prudential’s Divestment of Its American Can Company Holdings

January 1987 (4 pages; $10)

• Are Life Insurance Sales Illustrations Out of Control?
• More Secrecy from the NAIC
• An Important Book about the Penn Square Bank

February 1987 (4 pages; $10)

• Herbert S. Bright
• Observations on Single-Premium Life Insurance

March 1987 (4 pages; $10)

• More on Executive Life’s Bermuda Reinsurance
• A. L. Williams and the Department of Defense
• Is the A. L. Williams Organization Beginning to Decline?

April 1987 (4 pages + 2 page supplement; $10)

• A. L. Williams and Standard & Poor’s Corporation
• The Debate That Never Occurred
• An Interesting Letter from Executive Life
• More Production Figures for the A. L. Williams Organization
• An Intriguing Suggestion from a Regulator

May 1987 (4 pages + 2 page supplement; $10)

• The Reinsurance Disaster at Executive Life

June 1987 (4 pages + 2 page supplement; $10)

• More on the Reinsurance Disaster at Executive Life
• Observations on the Surplus Relief Reinsurance Arrangements at Anchor National Life and E. F. Hutton Life
• From the Mailbag

July 1987 (4 pages; $10)

• Observations on Computerized Telephone Prospecting
• A. L. Williams and The Wall Street Journal
• Executives’ Compensation in 1986

August 1987 (4 pages + 2 page supplement; $10)

• The Illinois Department and Minnesota Mutual’s Mortgage Insurance
• The Good Samaritan Program
• From the Mailbag

September 1987 (4 pages; $10)

• Still More on the Reinsurance Disaster at Executive Life
• A. L. Williams and The Springville Herald
• The NAIC’s Confidential IRIS Ratios for 1986
• From the Mailbag

October 1987 (4 pages + 2 page supplement; $10)

• Further Observations on Telephone Dialing Machines
• What is SelectQuote Insurance Services?
• A Victory for Insurance Secrecy in Montana

November 1987 (4 pages + 4 page supplement; $10)

• Venita Van Caspel and the Price of Life Insurance
• Observations on Best’s 1987 Ratings
• Travelers and the A. M. Best Company

December 1987 (16 pages; $25)

• Insurance Companies Designated by the NAIC for Regulatory Attention

January 1988 (4 pages; $10)

• Best’s Ratings and the NAIC’s IRIS Designations
• Initial Response to Publication of the NAIC’s IRIS Designations

February 1988 (4 pages; $10)

• A. L. Williams and Southern Illinois University
• An Open Letter to Danny Thomas about Union Fidelity Life’s “Choice Plus” Long-Term Care Insurance Plan

March 1988 (4 pages; $10)

• IRIS as a Mechanism for Insurance Industry Financing of the NAIC
• A. L. Williams and the Paramedical Examiners
• From the Mailbag

April 1988 (4 pages + 2 page supplement; $10)

• IRIS and the Subsidiaries of Major Insurance Companies
• Watch Out for Minimum-Deposit Rescue Programs
• From the Mailbag

May 1988 (4 pages + 2 page supplement; $10)

• A Fraudulent Videotape from A. L. Williams
• CIGNA’s Unfair Attack on Its Mutual Competitors
• Fidelity Bankers Life and the A. M. Best Company

June 1988 (4 pages + 4 page supplement; $10)

• New Questions about Executive Life’s Financial Condition
• Who Is Frank S. J. McIntosh?
• The Continuing Struggle for Access to the NAIC’s IRIS Material

July 1988 (4 pages; $10)

• Robert I. Mehr
• I.C.H. Corporation and Other Users of Surplus Notes
• Jackson National’s “Lifeline Ultimate” Policy

August 1988 (4 pages + 2 page supplement; $10)

• More about Executive Life’s Financial Condition
• From the Mailbag
• Executives’ Compensation in 1987

September 1988 (4 pages + 4 page supplement; $10)

• The NAIC’s IRIS Ratios for 1988
• From the Mailbag
• Best’s 1988 Ratings of Life-Health Insurance Companies

October 1988 (48 pages; $25)

• Executive Life and the California Insurance Department
• Excerpts for Examination Report on Executive Life
• What May Have Happened at Executive Life
• From the Mailbag
• Executive Life and the New York Insurance Department
• Testimony of Albert Jacob before the New York Insurance Department
• Testimony of Merle A. Horst before the New York Insurance Department
• Testimony of William J. Adams before the New York Insurance Department
• Testimony of Allan L. Chapman before the New York Insurance Department

November 1988 (4 pages + 2 page supplement; $10)

• A. L. Williams and the California Insurance Department
• A New Book about Lloyd’s of London
• Executive Life, Moody’s Investors Service, and Duff & Phelps
• From the Mailbag
• Executives’ Compensation in 1987—Continued

December 1988 (4 pages; $10)

• Observations on New England’s 1987 Report to Policyowners
• Catch 22—The Higginbotham Case and the Unfair-Trade-Practices Laws

January 1989 (4 pages + 2 page supplement; $10)

• Executive Life and the California Redwoods
• Norman Dacey’s Forthcoming Book about Life Insurance
• More on the NAIC’s IRIS Ratios for 1988

February 1989 (4 pages; $10)

• Executive Life and Broker World Magazine
• More on Executive Life and the California Insurance Department From the Mailbag

March 1989 (4 pages; $10)

• A System for the Exploitation of the Terminally Ill

April 1989 (8 pages; $10)

• Citibank’s Surplus Relief Arrangement for General American Life—A Case Study in the Circumvention of Statutory Accounting Principles
• From the Mailbag

May 1989 (4 pages + 4 page supplement; $10)

• More on the “Surplus Relief” that Banks Provide to Insurance Companies
• Changes in the NAIC’s IRIS Ratios and Designations for 1989
• The Continuing Search for the Anonymous Culprit at Executive Life
• From the Mailbag

June 1989 (4 pages + 2 page supplement; $10)

• MILICO, A. L. Williams Life, and the Controversy over Reserving Methods in the Life Insurance Business
• From the Mailbag

July 1989 (4 pages; $10)

• A. L. Williams and the Tennessee Insurance Department
• Executives’ Compensation in 1988

August 1989 (4 pages; $10)

• A. L. Williams, MILICO, Mapleleaf Insurance Services, the Banks, and the Subversion of Statutory Accounting Principles

September 1989 (12 pages + 4 page supplement; $10)

• A Watch List of Insurance Companies Based on the NAIC’s 1989 IRIS Ratios
• Best’s 1989 Ratings of Life-Health Insurance Companies
• From the Mailbag

October 1989 (4 pages + 2 page supplement; $10)

• Assumption Reinsurance and the Plight of the Consumer
• The Challenge Confronting Sanford Weill of Primerica

November 1989 (8 pages; $10)

• The Weakening of the Financial Standards Applied to Life Insurance Companies—The Assault on Statutory Accounting Principles

December 1989 (4 pages + 2 page supplement; $10)

• More on Assumption Reinsurance—A Court Decision in California, Penn Mutual, and the New York Insurance Department
• The A. L. Williams Victory over the California Insurance Department
• More on Surplus Relief Reinsurance

January 1990 (4 pages; $10)

• Executive Life’s Junk Bonds—A Case Study in the Manipulation of Investments to Improve Their Apparent Quality and Provide Surplus Relief

February 1990 (4 pages + 2 page supplement; $10)

• More on Executive Life’s Manipulation of Its Junk Bond Portfolio
• Executive Life and Columbia Savings & Loan
• Comments from Companies on Our Discussion of Surplus Relief Reinsurance
• From the Mailbag

March 1990 (8 pages; $10)

• A Disastrous January for Executive Life
• Citibank and the Insurance Regulators
• General American Life and Moody’s Investors Service—A Case Study in the Deceptive Use of a Rating Firm’s Report

April 1990 (8 pages; $10)

• Executive Life and the Municipal Bonds
• Junk Bonds in the Life Insurance Industry
• Delinquent and Foreclosed Mortgages in the Life Insurance Industry

May 1990 (8 pages; $10)

• Financial Strength Ratings of Life Insurance Companies
• More on Junk Bonds in the Life Insurance Industry
• From the Mailbag

June 1990 (16 pages; $10)

• The Unprecedented Problems at First Executive and Executive Life
• The Confidential Milliman & Robertson Study of Executive Life
• From the Mailbag

July 1990 (4 pages; $10)

• More on Citibank and the Insurance Regulators
• Executives’ Compensation in 1989

August 1990 (8 pages; $10)

• Continental American’s Dividends and the Policy Loan Clause
• Life Insurance Companies’ Junk Bonds, Troubled Mortgages, Real Estate, and Investments in Affiliates
• From the Mailbag

September 1990 (14 pages + 4 page supplement + 6 page supplement; $10)

• A Watch List of Insurance Companies Based on the NAIC’s 1990 IRIS Ratios
• Insurance Companies with Top Ratings from Duff & Phelps, Moody’s, and Standard & Poor’s
• Companies with Reduced Ratings from the A. M. Best Company in 1990

October 1990 (4 pages; $10)

• The Milliman & Robertson Reports on Executive Life

November 1990 (4 pages + 2 page supplement; $10)

• A. L. Williams and the Misguided Massachusetts Regulators
• More on MILICO’s Reserving Methods

December 1990 (6 pages; $10)

• The Dilemma of the A. M. Best Company
• The Weiss Ratings of Life Insurance Companies

January 1991 (4 pages; $10)

• Assumption Reinsurance Strikes Again—The Beneficiary of a Life Insurance Policy Becomes Another Victim of an Abusive Industry Practice
• From the Mailbag

February 1991 (4 pages; $10)

• A Proposal for the Dismemberment of Executive Life
• Executive Life and the War Between the States
• More on Taisho’s 1990 IRIS Ratios
• From the Mailbag

March 1991 (4 pages; $10)

• Life Insurance for Our Military Men and Women and Their Families
• The Weiss Ratings of Life Insurance Companies—A Reply
• More on Continental American’s Dividends and the Policy Loan Clause

April 1991 (8 pages; $10)

• Standard & Poor’s New System for Rating Insurance Companies
• More on the Proposal for the Dismemberment of Executive Life
• General American’s Withdrawal from the Disability Insurance Business
• From the Mailbag
• Ratings of Life-Health Insurance Companies by A. M. Best, Standard & Poor’s, Moody’s, and Duff & Phelps

May 1991 (6 pages; $10)

• The Struggle to Protect the Rights of Policyowners When Policies Are Transferred from One Insurance Company to Another
• Executive Life and the Massachusetts Division of Insurance
• A Proposed NAIC Model Act on Transfers of Insurance Policies

June 1991 (4 pages + 2 page supplement; $10)

• The Collapse of Executive Life
• More on Standard & Poor’s New System for Rating Insurance Companies
• A George Polk Award in Journalism for The Insurance Forum

July 1991 (8 pages; $10)

• A New and Dangerous Era for the Life Insurance Industry
• Life Insurance Companies’ Junk Bonds, Problem Mortgages, Real Estate, and Investments in Affiliates

August 1991 (4 pages; $10)

• An Important Study of Long-Term Care Insurance
• From the Mailbag
• Executives’ Compensation in 1990

September/October 1991 (32 pages; $10)

• Financial Strength Ratings of Life Insurance Companies
• Rating Reductions among Life Insurance Companies
• A Watch List of Life Insurance Companies Based on the NAIC’s IRIS Ratios

November 1991 (4 pages; $10)

• Recent Developments at Executive Life
• From the Mailbag

December 1991 (8 pages; $10)

• A Disappointing Book about Executive Life
• Recent Developments in the Ratings of Life Insurance Companies

January 1992 (4 pages; $10)

• A. M. Best Abdicates Its Leadership Position
• Financial Deception from the Equitable
• A Correction by Standard & Poor’s
• From the Mailbag

February 1992 (4 pages; $10)

• Security Benefit Life and the State Guaranty Associations
• An Aetna Policyowner Says No to the Transfer of His Health Insurance Coverage to Mutual of Omaha
• The NAIC’s IRIS Ratios and the Canadian Companies

March 1992 (8 pages; $10)

• William T. Beadles
• The Current State of Affairs in the Life Insurance Business
• A. M. Best Revises Its Rating System
• Presidential Life and Standard & Poor’s
• Moody’s Changes Its Procedure

April 1992 (8 pages; $10)

• Presidential Life and the U.S. Department of Labor
• The Downgrade of Prudential by Moody’s Investors Service
• Recent Developments in the Ratings of Life Insurance Companies
• General American Life and the Policy Loan Clause
• From the Mailbag
• A Response from the Equitable

May 1992 (4 pages; $10)

• The Assault by State Regulators on the Rights of Insurance Consumers

June 1992 (8 pages; $10)

• Recent Developments at Fidelity Mutual Life
• Observations on the Use of Selective Quotations from the Reports of Insurance Company Rating Agencies
• Standard & Poor’s and the Congressional Research Service
• A Victory for the California Public Records Act

July 1992 (8 pages; $10)

• Observations on Credit Rating Bail-Out Provisions
• Life Insurance Companies’ Junk Bonds and Problem Mortgages
• From the Mailbag
• Executives’ Compensation in 1991

August 1992 (8 pages; $10)

• A Suggested Commitment Clause Regarding Insurance Policy Transfers
• Insurance Policy Transfers and the United States Constitution
• More on Security Benefit Life and the State Guaranty Associations

September/October 1992 (32 pages; $10)

• Financial Strength Ratings of Life Insurance Companies
• Rating Changes among Life Insurance Companies
• A Watch List of Life Insurance Companies Based on the NAIC’s IRIS Ratios

November 1992 (12 pages; $10)

• A Potential Federal Income Tax Trap for Buyers of Second-to-Die Life Insurance Policies with Age Rate-Ups
• Observations on Our Rating Criteria

December 1992 (4 pages; $10)

• Deceptive Promotional Material from LifeUSA
• TIAA’s Investment in Mall of America
• A Deafening Silence on Credit Rating Bail-Out Provisions

January 1993 (8 pages; $10)

• The Continuing Struggle to Protect the Rights of Policyowners When Policies are Transferred from One Insurance Company to Another
• From the Mailbag

February 1993 (6 pages; $10)

• Jackson National’s Transfer of Its Michigan Policyowners
• An Outdated Report from Continental American Life
• A Message for Readers with Vision Problems
• Recent Developments in the Ratings of Life Insurance Companies

March 1993 (8 pages; $10)

• Risk-based Capital, a New Gag Rule, and the Coming Assault on State Freedom-of-Information Laws
• Great West Life’s Transfer of Its United States Policyowners
• Equitable’s Deceptive Letter to Shareholders
• Investors Insurance Corporation Modifies a Deceptive Advertisement

April 1993 (4 pages; $10)

• Continuing Education from Jackson National
• A Troublesome Dispute in Professional Insurance Education
• From the Mailbag

May 1993 (8 pages; $10)

• A Continental Casualty Company Policyowner Says No to the Transfer of Her Medicare Supplement Policy to Bankers Life and Casualty
• More on LifeUSA’s Deceptive Promotional Material
• From the Mailbag

June 1993 (4 pages; $10)

• Jackson National’s Michigan Transfer Begins to Unravel

July 1993 (8 pages; $10)

• A Tale of Two Equitables—The Clash over Risk-Based Capital Data
• From the Mailbag
• Guaranty Income Life’s Extracontractual Bail-Out Arrangement

August 1993 (16 pages; $10)

• Crown Life’s Transfer of Its United States Disability Business to Lone Star Life—A Case Study in Nondisclosure of Material Information
• Manufacturers Life’s Transfer of Its United States Policyowners
• Life-Health Insurance Companies’ Junk Bonds and Problem Mortgages
• Executives’ Compensation in 1992
• Statement of Joseph M. Belth to the NAIC on Insurance Policy Transfers
• Jackson National’s Meaningless Victory over Michigan Officials

September/October 1993 (32 pages; $10)

• Financial Strength Ratings of Life-Health Insurance Companies
• A Watch List of Life-Health Insurance Companies Based on the NAIC’s IRIS Ratioss

November 1993 (4 pages; $10)

• How Insurance Consumers Will Be Victimized by Misuse of Risk-based Capital Data
• Observations on the Inclusion of the Weiss Ratings
• From the Mailbag

December 1993 (8 pages; $10)

• Policy Transfers and the Kansas Insurance Department
• The Saga of the Security Benefit Annuities
• The NAIC, Policy Transfers, and the Rights of Insurance Consumers
• The Devastating Aftermath of the Executive Life Collapse
• LifeUSA and the Kansas Insurance Department
• Our Policy Transfer Package