January 1994 (4 pages; $10)

• The Beginning of Our Third Decade
• A. M. Best Threatens The Insurance Forum

February 1994 (8 pages; $10)

• The Recent Flurry of Controversial Surplus Notes
• Western National Life’s Deceptive Memorandum to Its Agents
• A. M. Best Sues The Insurance Forum

March/April 1994 (32 pages; $10)

• Financial Strength Ratings of Life-Health Insurance Companies
• From the Mailbag

May/June 1994 28 pages; $10)

• Risk-Based Capital Numbers Become Public Information
• From the Mailbag
• Risk-based Capital Data and Ratings of Life-Health Insurance Companies

July 1994 (8 pages; $10)

• The Retirement of Senator Howard Metzenbaum
• Equitable’s Deceptive Advertisement
• Some Unintended Candor from A. M. Best
• Corrections in Our Special Issue on Risk-Based Capital
• From the Mailbag

August 1994 (12 pages; $10)

• The Disclosure Approach to the Problem of Deceptive Sales Practices in the Life Insurance Industry
• Risk-Based Capital and the Accountants
• More on Risk-Based Capital Numbers
• Executives’ Compensation in 1993

September 1994 (12 pages; $10)

• A Deceptive Press Release from LifeUSA
• Who Bought Those Controversial Surplus Notes?
• From the Mailbag
• More on Equitable’s Deceptive Advertisement
• Credit for Reinsurance in Life Insurance Companies
• Life Insurance Companies’ Junk Bonds and Problem Mortgages

October 1994 (4 pages; $10)

• Mutual of New York’s Junk Surplus Notes
• A. M. Best Increases Its Rating Fees

November 1994 16 pages; $10)

• An Expanded Watch List of Life-Health Insurance Companies

December 1994 (8 pages; $10)

• The Demutualization of Midland Mutual Life
• State Life’s Alliance with American United Life

January 1995 (8 pages; $10)

• A. M. Best and Confederation Life
• Still More on Equitable’s Deceptive Advertisement
• Mutual of New York Discusses Its Surplus Notes
• Developments Relating to Our Special Watch List Issue
• From the Mailbag

February 1995 (8 pages; $10)

• The Arguments against Rigorous Disclosure
• Statement on Our Special Watch List Issue
• Risk-based Capital and the Intimidated Accountants
• Deceptive Practices and the New York Department

March/April 1995 (32 pages; $10)

• Financial Strength Ratings of 1,600 Life-Health Insurance Companies
• How to Buy U. S. Securities at Auction
• Joint Statement by the A. M. Best Company and The Insurance Forum Concerning Dismissal of Lawsuit

May/June 1995 (12 pages; $10)

• Insurance Rating Firms’ Differences of Opinion
• More on the Ratings of Confederation Life
• Corrections in Our Special Ratings Issue
• A. M. Best and Southwestern Life
• An Important New Service from Standard & Poor’s
• From the Mailbag
• More on Buying U. S. Treasury Securities at Auction
• Recent Rating Actions

July 1995 (16 pages; $10)

• Crown Life’s Sales Illustrations and the Era of Disillusionment
• A Commendation and a Complaint
• Equitable’s Dividends and the Contribution Method
• The Circulation Base of A. M. Best’s Magazines
• Observations on Disclosure of the Agent’s Financial Interest
• An Important Insurance Periodical
• Recent Rating Actions

August 1995 (16 pages; $10)

• An Undisclosed Benefit Limitation from Globe Life and Accident
• Risk-Based Capital Data for 1994
• From the Mailbag
• Surplus Notes and the Massachusetts Division of Insurance
• John Dorfman Rejoins The Insurance Forum
• A Best Seller about Insurance Claims Practices
• Recent Rating Actions

September 1995 (16 pages; $10)

• Prophet’s Undercover Study of Insurance Agents
• LIMRA’s Comments on Antitrust Considerations
• Surplus Notes and the United States Treasury
• Standard & Poor’s New Quantitative Ratings of Insurance Companies
• Surplus Notes and Mutual Funds: Investors Beware (by Marty Leary)
• Executives’ Compensation in 1994
• Recent Rating Actions

October 1995 (36 pages; $10)

• The Financial Strength of Life-Health Insurance Companies

November 1995 (8 pages; $10)

• Farewell to New England Mutual
• The Demutualization of State Mutual (by John R. Dorfman)
• Security First’s Annuities and the American Bankers Association
• Recent Rating Actions

December 1995 (8 pages; $10)

• How Conseco Tries to Silence Its Critics
• Myth vs. Reality—A Critique of Conseco’s Accounting Practices (by Abraham J. Briloff)
• More on the Circulation Base of A. M. Best’s Magazines
• From the Mailbag
• Recent Rating Actions

January 1996 (12 pages; $10)

• New York Life’s Proposed Settlement of Lawsuits Alleging Deceptive Sales Practices
• An Unacceptable Offer from A. M. Best
• From the Mailbag
• A Priceless Quip
• Recent Rating Actions

February 1996 (12 pages; $10)

• Northwestern Mutual, Metropolitan, and the Language Dilemma (by John R. Dorfman)
• More on the Unacceptable Offer from A. M. Best
• More on the Stone Wall at Provident Mutual

March 1996 (8 pages; $10)

• More on the New York Life Settlement
• Recent Rating Actions

April 1996 (8 pages; $10)

• A Consumer Advocate Stumbles
• Recent Rating Actions
• Jackson National Reverses Its Transfer

May 1996 (8 pages; $10)

• Unisun Insurance Company and the South Carolina Insurance Department
• Still More on the New York Life Settlement
• What Great-West Life Does to Beneficiaries
• A Breach of Security at Metropolitan Life
• Equitable’s Dividends and the New York Insurance Department
• Recent Rating Actions

June 1996 (8 pages; $10)

• Funeral Insurance: A High-Priced, Unnecessary Arrangement
• An Unanswered Question about Surplus Notes
• More on the Settlement Between State Mutual and the Center for Insurance Research

July 1996 (12 pages; $10)

• The Time Has Come for Insurance Companies to Stop Investing in the Tobacco Industry
• The Looming Controversy over Capital Notes
• Recent Rating Actions

August 1996 (16 pages; $10)

• Risk-Based Capital Data for 1995
• Executives’ Compensation in 1995
• From the Mailbag

September 1996 (36 pages; $10)

• The Financial Strength of Life-Health Insurance Companies

October 1996 (8 pages; $10)

• Allmerica and the Valuation Actuary Concept
• The Rapid Growth in the Use of Surplus Notes
• Two Companies Correct Their Executive Compensation Figures

November 1996 (12 pages; $10)

• John Hancock and the Insurance Lobby
• The Financial Strength of Large Property-Liability Insurance Companies
• Recent Rating Actions
• From the Mailbag

December 1996 (8 pages; $10)

• In Retrospect
• Ward’s 50 and a Deceptive Press Release from Trustmark Insurance
• Some Additional Information about the Merger of New England Mutual into Metropolitan Life
• A Forthright Correction from State Life
• From the Mailbag

January 1997 (12 pages; $10)

• Why Health Insurance Often Fails to Cover the Cost of Treatment in Hospital Emergency Rooms
• Security Benefit Life, Moody’s, and the University of Wisconsin
• A. M. Best Cashes in on Financial Ratings
• A Challenge to Company Officials Concerning Deceptive Sales Practices in the Life Insurance Business
• Knights of Columbus and the Rating Firms
• From the Mailbag

February 1997 (8 pages; $10)

• An Extraordinary Turnabout in the Demutualization of State Mutual Life
• More on Allmerica and the Valuation Actuary Concept
• More on John Hancock and the Insurance Lobby
• Recent Rating Actions

March 1997 (8 pages; $10)

• General American and the Mutual Holding Company Concept
• New England Life and the Risk-Based Capital Gag Rule
• Recent Rating Actions

April 1997 (28 pages; $25)

• An Insurance Guide for Seniors (by John R. Dorfman and Joseph M. Belth)

May 1997 (12 pages; $10)

• General Electric Capital Assurance’s Deceptive Promotion of Guaranteed Renewable Long-Term Care Insurance
• More on the Extraordinary Turnabout in the Demutualization of State Mutual Life
• Still More on John Hancock and the Insurance Lobby
• Another View of Rating Distributions
• Mortimer Spiegelman, Metropolitan Life, and the U. S. Surgeon General’s 1964 Report on Smoking
  Corporate Governance Activism at TIAA-CREF
• Recent Rating Actions

June 1997 (8 pages; $10)

• Manipulation of Financial Information about Insurance Companies in Advertisements Directed at Agents
• Deceptive Advertising from Globe Life and Accident
• Guardian Life’s Omission of Its Rating by Moody’s
• Gerber Life’s Deceptive Advertising of Its Rating by A. M. Best
• From the Mailbag

July 1997 (16 pages; $10)

• Medical Savings Accounts and Golden Rule Insurance
• Executives’ Compensation in 1996

August 1997 (16 pages; $10)

• The Disaster at Mid-Continent Life
• Risk-Based Capital Data for 1996
• Guardian Life Respondsec

September 1997 (32 pages; $10)

• The Financial Strength of Life-Health Insurance Companies

October 1997 (8 pages; $10)

• Allowing Mutual Insurance Companies to Select Their State Regulators—A Dangerous Federal Proposal
• Allmerica’s Impending Transfer of Its Disability Insurance Business to Metropolitan Life
• New York Life’s Deceptive Reference to Its Financial Ratings
• More on the Financial Ratings of Guardian Life
• From the Mailbag
• Still More on the Valuation Actuary

November 1997 (8 pages; $10)

• Anti-Consumer Provisions in AAA’s Life Insurance—A Case Study in the Inferiority of Association Group Plans Compared to Individual Coverage
• Royal Macabees’ Assault on Its Disability Insurance Policyowners
• Western Fraternal Life and the Taxation of Annuities
• Selected Recent Rating Actions and a Correctionoth

December 1997 (8 pages; $10)

• The Mutual Holding Company—A Flawed Concept
• Surplus Note Usage by Insurance Companies
• John Dorfman Leaves The Insurance Forum

January 1998 (8 pages; $10)

• Demotech’s Financial Ratings—Should They Be Relied Upon?
• Sun Life of Canada’s U.S. Branch and Its Risk-Based Capital Ratio
• Selected Recent Rating Actions

February 1998 (4 pages; $10)

• Royal Macabees’ Anti-Policyowner Interpretation of the Reinstatement Clause in Disability Insurance
• More on General Electric Capital Assurance’s Promotion of Long-Term Care Insurance

March 1998 (8 pages; $10)

• A Challenge to Prudential
• Notification of Expiring Contractual Rights—An Important Element of Rigorous Disclosure to Insurance Policyowners
• Some Words of Edmund Halley from 1693
• Selected Recent Rating Actions
• From the Mailbag

April 1998 (12 pages; $10)

• Observations on the Governance of Mutual Insurance Companies
• Democracy at Allied Mutual—A Case Study in the Lack of Disclosure to Voters
• Principal Mutual and the New York Insurance Department
• Provident Mutual and the Pennsylvania Insurance Department

May 1998 (12 pages; $10)

• Democracy at Provident Mutual—A Case Study in the Suppression of Communication among Policyowners
• Covenant Life and Provident Mutual
• Why We Need Mutual Life Insurers
• An Income Tax Setback for the Mutual Holding Company Concept
• Selected Recent Rating Actions

June 1998 (12 pages; $10)

• The Apparent Cover-Up at Provident Mutual
• The Grannis Committee Report

July 1998 (8 pages; $10)

• The Iowa Commissioner’s Anti-Policyowner Decision on Principal Mutual’s Reorganization Plan
• Monarch Life Tightens the Rules for Its Disability Policyowners
• The Gift to the Iowa Septuplets from Employers Modern Life
• Selected Recent Rating Actions
• From the Mailbag

August 1998 (16 pages; $10)

• USAA’s Unsuccessful Effort to Avoid Disclosure of the Compensation of Its Executives
• Executives’ Compensation in 1997
• Risk-Based Capital Data for 1997
• A Question about Life Annuities
• Moody’s Report on Mutual Companies

September 1998 (20 pages; $10)

• Life Insurance and the Holocaust

October 1998 (32 pages; $10)

• The Financial Strength of Life-Health Insurance Companies

November 1998 (8 pages; $10)

• Measuring the Price of the Protection in Life Annuities
• From the Mailbag
• More on Edmund Halley’s 1693 Mortality Table
• Surplus Note Usage by Insurance Companies

December 1998 (12 pages; $25)

• Fractional Premium Charges in the Life Insurance Business

January 1999 (4 pages; $10)

• The Pennsylvania Insurance Department’s Approval of Provident Mutual’s Anti-Policyowner Reorganization Plan
• From the Mailbag

February 1999 (16 pages; $10)

• Mutual Holding Companies and the Distribution of Surplus to Participating Policyowners
• More on Fractional Premium Charges
• Recent Developments Regarding the Fake Newspaper Clipping from Globe Life and Accident
• Update to Our October 1998 Special Ratings Issue

March 1999 (12 pages; $25)

• Viatical Transactions and the Growth of the Frightening Secondary Market for Life Insurance Policies

April 1999 (8 pages; $10)

• Provident Mutual’s Legal Snag—A Stunning Setback for the Mutual Holding Company Concept
• Eligibility—An Important Issue in Demutualizations
• GenAmerica’s Announcement about the End of Its Mutual Holding Company Experiment
• American Mutual’s Announcement about the End of Its Mutual Holding Company Experiment
• An Income Tax Victory for the Mutual Holding Company Concept
  A. M. Best Sometimes Calls the Shots
• Standard & Poor’s Ratings Evaluation Service

May 1999 (8 pages; $10)

• The Strange Results of the Allocation Formula in the Demutualization of Standard Insurance Company
• An Outrageous Advertisement Involving Duff & Phelps
• From the Mailbag

June 1999 (16 pages; $10)

• The Plight of the Policyowners in the Disaster at Mid-Continent Life
• On Election versus Appointment of Insurance Commissioners
• A Provocative Question about Viatical Transactions

July 1999 (24 pages; $20)

• Executives’ Compensation in 1998
• Risk-Based Capital Data for 1998
• Surplus Note Usage by Insurance Companies

August 1999 (8 pages; $10)

• Deceptive Practices and the Establishment of IMSA
• More on the Canadian Approach to the Allocation of Value to Policyholders in Demutualizations
• New York Life Declines to Disclose Utilization Figures in Its Settlement of Allegations of Deceptive Sales Practices

September 1999 (32 pages; $20)

• The Financial Strength of Life-Health Insurance Companies

October 1999 (16 pages; $10)

• The Stunning Default at General American Life
• Continental Assurance Company Corrects Its Risk-Based Capital Data
• From the Mailbag
• Alleged Criminal Activity and Other Developments in the Viatical Industry

November 1999 (8 pages; $10)

• Another Major Setback for Provident Mutual and the Mutual Holding Company Concept
• American United Life Puts Redomestication on Hold
• American United Life Changes Its Definition of a Mutual Insurer

December 1999 (8 pages; $10)

• How Bank One Quietly Reduced Interest Rates on Market Index Accounts—A Case Study in the Lack of Disclosure
• The Strange Results of the Allocation Formula in the Demutualization of John Hancock
• More Allegations of Wrongdoing in the Viatical Industry
• From the Mailbag

January 2000 (8 pages; $10)

• Wit Capital and the Demutualization of John Hancock
• Provident Mutual Withdraws Its Mutual Holding Company Reorganization Plan
• A Bizarre Amendment to Michigan's Viatical Statute

February 2000 (12 pages; $10)

• Visit Our New Website
• Congress Should Say Who Will Regulate the Viatical Business
• Update to Our September 1999 Special Ratings Issue
• Comments by Northwestern Mutual on Viatical Commissions

March 2000 (8 pages; $10)

• Viatical Fraud and the Legislative Attack on the Venerable Incontestability Clause in Life Insurance Policies
• Financial Information about Viaticus
• More on the Public Announcements Clause in the Termination Agreement Between ARM Financial and General American Life
• Our Detailed 1998-1999 Index

April 2000 (8 pages; $10)

• The Actuarial Profession Brushes Aside Questions about Responsibility for the Disaster at Mid-Continent Life
• More about Life Partners and the Fifth Circuit
• A Correction
• The Uninsurables at Universal Guaranty Life--A Case Study in the Dangers of Simplified Underwriting
• The Sad Experience of a Policyholder of Mutual Benefit Life
• Our Book about Viaticals
• From the Mailbag

May 2000 (8 pages; $10)

• Characteristics of an Excellent Demutualization Plan
• The Arithmetic of Viatical Senior Settlements
• More Information about Viaticals
• From the Mailbag

June 2000 (12 pages; $10)

• A Florida Grand Jury Goes After Viatical Fraud
• The Huge Commissions Paid to Viatical Brokers
• Purchases by Viaticus in Texas During 1998 and 1999
• Appendix: Florida Grand Jury Report on Viatical Fraud

July 2000 (12 pages; $10)

• The New York Insurance Department Slams the Door on Public Access to Compensation Data
• Federal Criminal Allegations in California Relating to Viatical Fraud
• Justus Viatical and the Illinois Insurance Department
• Executives' Compensation in 1999

August 2000 (16 pages; $10)

• Richard L. D. Morse
• The Aftermath of Bank One's Quiet Interest Rate Reduction on Market Index Accounts
• Risk-Based Capital Data for 1999
• Surplus Note Usage by Insurers
• Ratings Equivalencies Advertised by Duff & Phelps
• The First Viatical Fraud Convictions

September 2000 (40 pages; $10)

• The Financial Strength of Life-Health Insurance Companies
• Ratings List of Life-Health Insurance Companies
• Watch List of Life-Health Insurance Companies
• Appendix A: Rating Firms' Descriptions of Their Rating Categories
• Appendix B: Rating Distributions of Life-Health Insurance Companies

October 2000 (8 pages; $10)

• How Not To Deal with a Troublesome Regulator -- Bankers Insurance Company's Investigation of an Insurance Department Employee
• Two Questions for Our Readers Concerning Fractional Premiums
• An Update on Florida's Viatical Reports

November 2000 (16 pages; $10)

• Life Partners and the Nonregulation of the Viatical Industry
• Viatical Senior Settlements and Contingency Insurance
• More on Executives' Compensation

December 2000 (12 pages; $10)

• Variable Life, the Surrender Squeeze, and the Coming Bonanza for the Lawyers
• Update to Our September 2000 Special Ratings Issue
• Arson vs. Murder: The Insurable Interest Anomaly and the Frightening Secondary Market for Life Insurance Policies
• Appendix: Recent Rating Actions Affecting Life-Health Insurance Companies

January 2001 (8 pages; $10)

• General Electric Takes a Leadership Role in Disclosure of Fractional Premium Charges as Annual Percentage Rates
• The Age 100 Problem in Life Insurance
• Should the Federal Trade Commission Regulate the Secondary Market for Life Insurance Policies?
• Who Should Regulate the Viatical Industry? (by S. Roy Woodall, Jr.)
• Who Says Financial Services Integration is in Consumers' Best Interests?
• Appendix: How to Calculate Annual Percentage Rates and Annual Interest Rates Associated with Fractional Premiums

February 2001 (8 pages; $10)

• Two Dramatically Different Settlements in Litigation over Disclosure of Fractional Premium Charges as Annual Percentage Rates
• Should Life Insurers Compete with Viatical Firms by Offering Cash Values Related to the Health of Insureds?
• Health Related Cash Values--Some Practical Aspects (by Albert E. Easton)
• The Banning of The Insurance Forum in the Home Office of Massachusetts Mutual

March 2001 (12 pages; $10)

• Justifying the Unjustifiable--How a Court-Approved Settlement Protected a $550 Million Bonanza in Fractional Premiums at Primerica
• The LOMA Report on Viatical and Life Settlements
• From the Mailbag
• Appendix A: Testimony of Brian McDonald
• Appendix B: Excerpt from Affidavit of Christopher P. Krahling

April 2001 (12 pages; $10)

• Second-to-Die Policies, the New Jersey Department, and the Insurance Industry Assault on the Policy Approval Process
• Dirtysheeting--Another Type of Viatical Fraud
• More on the Aritmetic of Senior Settlements
• A Further Update to Our September 2000 Special Ratings Issue
• Appendix: Recent Rating Actions Affecting Life-Health Insurance Companies

May 2001 (8 pages; $10)

• A Legal Attack on New York Life's Changes in Its Agents' Retirement Plan
• More on the Age 100 Problem in Life Insurance
• Bank One's Market Index Accounts in an Environment of Falling Interest Rates

June 2001 (8 pages; $10)

• The Continuing Saga of Life Insurance Sales Practices at Military Installations
• Another Method for Evaluating Fractional Premium Charges
• From the Mailbag
• Prudential and the New York Department

July 2001 (12 pages; $10)

• Executives' Compensation in 2000
• More about the Legal Attack on New York Life's Changes in Its Agents' Retirement Plan
• ViatiCare, Senior Settlements, and the Veterans of Foreign Wars
• The Likely Failure of a Universal Life Policy
• Tactics Used by a Critic of Northwestern Mutual

August 2001 (16 pages; $10)

• What Is the "LEAP" System?
• Risk-Based Capital Data for 2000
• Surplus Note Usage by Insurers

September 2001 (36 pages; $10)

• The Financial Strength of Life-Health Insurance Companies
• Ratings List of Life-Health Insurance Companies
• Watch List of Life-Health Insurance Companies
• Appendix A: Rating Firms' Descriptions of Their Rating Categories
• Appendix B: Distributions of the Ratings of Life-Health Insurance Companies

October 2001 (12 pages; $10)

• A Legal Immunity Zone for the Marketers of Variable Insurance Products
• Jason Adkins, David Schiff, Allied Mutual, and an Important Iowa Supreme Court Decision
• More on Executives' Compensation in 2000
• More on the Tactics Used by a Critic of Northwestern Mutual
• From the Mailbag
• Appendix A: The Lander Case from the Plaintiff's Point of View (by Ronald A. Uitz)
• Appendix B: The Lander Case from the Defendants' Point of View (by Barry A. Chasnoff, Daniel McNeel Lane, Jr., and David R. Nelson)
• Appendix C: The Allegations in the Lander Case (by Michael C. Spencer)

November 2001 (8 pages; $10)

• Requirements for the Proper Functioning of Private Insurance
• Income Taxation of the Inside Interest--An Important Nondisclosure in Life Insurance
• Northwestern Mutual Tells Its Representatives How To Express Fractional Premium Charges as Annual Percentage Rates
• More on Risk-Based Capital Data for 2000
• The Impact of Recent Events on Ratings
• A Court Orders the New York Insurance Department To Honor Our Request for Executive Compensation Data

December 2001 (12 pages; $10)

• Insurance Commissioners and the ACLI Oppose Disclosure of Fractional Premium Charges as Annual Percentage Rates
• More on the "LEAP" System
• What Provident Mutual Will Not Allow Its Policyholders To See Until Later

January 2002 (12 pages; $10)

• Revisiting Credit Insurance
• An Update to Our September 2001 Special Ratings Issue
• Confronting the Terrorism Exposure
• Appendix: Recent Rating Actions Affecting Life-Health Insurance Companies

February 2002 (8 pages; $10)

• The Shrinking Secondary Market for Life Insurance Policies
• The Yearly Price of Protection--Another Important Nondisclosure in Life Insurance
• The Case Against Secret Dividend Formulas

March 2002 (12 pages; $10)

• Legal Setbacks for Tax-Motivated COLI Plans
• A Federal Government Reinsurance Facility for Catastrophes
• Providing Catastrophe Insurance Coverage Following the Terrorist Events of September 11 (by Dan R. Anderson)

April 2002 (12 pages; $10)

• "LEAP" and the Diversion of Funds into Cash-Value Life Insurance
• The A. L. Williams Parallel
• The Struggle for Access to "LEAP" Material
• Rates of Return in the "LEAP" System
• Who Is Robert Castiglione?
• "LEAP" and Dr. Huebner's Economics Book
• "LEAP" and Guardian Life
• Our Detailed 2000-2001 Index

May 2002 (12 pages; $10)

• The Rewriting of History by Opponents of Disclosure of Fractional Premium Charges as Annual Percentage Rates
• Fractional Premium Charges and the Wilcox Lobbying Campaign
• The Second Settlement in the Massachusetts Mutual Fractional Premiums Case
• Appendix A: Results of December 10, 2001 Survey of 55 Insurance Commissioners
• Appendix B: Excerpts from Notes and Desposition Testimony of Robert E. Wilcox
• Appendix C: Letter from David Hippen of Florida and My Reply

June 2002 (8 pages; $10)

• The "LEAP" Provision in the 1997 Settlement of the Sales Practices Lawsuit against John Hancock
• On the Independence of IMSA's Independent Assessors
• Belated Compensation Data from the New York Insurance Department
• Settlement of State Allegations Relating to Bankers Insurance Company's Investigation of a Florida Insurance Department Employee
• Appendix: 1999 Compensation Data from the New York Insurance Department

July 2002 (16 pages; $10)

• The "LEAP" Responses to Our Special Issue
• From the Mailbag
• Executives' Compensation in 2001

August 2002 (16 pages; $10)

• A Big Payday for Six Departing Executives of Provident Mutual
• Recent Letters from "LEAP" and Guardian Life
• Risk-Based Capital Data for 2001
• Surplus Note Usage by Insurers

September 2002 (36 pages; $10)

• The Financial Strength of Life-Health Insurance Companies
• Ratings List
• Watch List
• Appendix A: Descriptions of Rating Categories
• Appendix B: Distributions of Ratings

October 2002 (12 pages; $10)

• Recent Developments Relating to the "LEAP" System
• The Nonpayment of Insurance Claims
• From the Mailbag
• The Loss of the Certainty Effect (by Richard E. Stewart and Barbara D. Stewart)
• Moody's Report on Life Insurers' Bond Exposure to Troubled Corporations
• Belated 2000 Compensation Data from the New York Insurance Department
• An Update on the Conseco Companies' Ratings

November 2002 (8 pages; $10)

• The Departure of a Dedicated Agent
• Why I Left the Life Insurance Business (by a Veteran Agent)
• Further Secrecy in the Confidential Allocation Formula at Provident Mutual
• From the Mailbag
• Belated 2001 Compensation Data from the New York Insurance Department
• Further Developments at Conseco

December 2002 (8 pages; $10)

• The Vendetta against Northwestern Mutual
• An Introduction to Dr. Long's Article
• Insurance Credit Scoring: Yes or No? (by John D. Long)
• Insurance and Discrimination
• An Unsuccessful Survey about Expensing Stock Options

January 2003 (8 pages; $10)

• Massachusetts Mutual's Free Life Insurance Program
• From the Mailbag
• IMSA Sidesteps a Question about the "LEAP" System
• Minimum Monthly Payments on Credit Card Accounts
• Significant Recent Rating Actions Affecting Life-Health Insurance Companies

February 2003 (12 pages; $10)

• The National Media Spotlight Focuses Attention on UnumProvident's Disability Insurance Claims Practices
• Using ERISA against Those It Was Designed to Protect (by Mark D. DeBofsky)
• Appendix A: Excerpts from the Federal Court Decision in the Hangarter Case
• Appendix B: Excerpts from the Federal Court Decision in the Watson Case

March 2003 (8 pages; $10)

• The Results of the Federal Investigation into Academy Life's Sales Practices at Military Installations
• More about Minimum Monthly Payments on Credit Card Accounts
• More on the Vendetta against Northwestern Mutual
• Olympus Reinsurance and the A.M. Best Company
• Our Annual Percentage Rate Calculator
• Northwestern Mutual, New York Life, and the "LEAP" System

April/May 2003 (24 pages; $10)

• The LeBoeuf Report in Connection with the Reengineering Project at Provident Life and Accident
• Transferring Claims Administration for Disability Insurance Policies
• Other Agreements for Transferring Disability Insurance Claims Administration
• Some Insurance Claims History
• Some Insurance Claims Philosophies
• An Actuary's Comments on UnumProvident
• From the Mailbag
• A Book about Insurance Investigations
• Appendix A:  The Recommendations in the LeBoeuf Report
• Appendix B:  Services Agreement for Disability Income Claims Management between Berkshire Life Insurance Company and Security Mutual Life Insurance Company of New York
• Appendix C:  Some Cases Described in a Committee Report in 1911
• Appendix D:  Excerpts from a New Hampshire Court Decision in 1873

June 2003 (8 pages; $10)

• UnumProvident Corporation and the Georgia Commissioner
• Income Taxation of Distributions to Policyholders in Demutualizations
• UnumProvident Corporation and the Fortune Lists of "Most Admired" Companies

July 2003 (8 pages; $10)

• John Hancock/UnumProvident Agreements Reveal an Important Dimension of Transfers for Claims Administration
• A Recommendation from LeBoeuf to Provident Life and Accident Raises Accounting and Other Questions
• Incorrect Statements from the ACLI about the Fractional Premiums Lawsuits in New Mexico
• Lincoln National Life's Extraordinary Quarterly Premiums

August 2003 (16 pages; $10)

• Executives' Compensation in 2002
• Unexplained Substantial Differences in the Reported Compensation of John Hancock Executives
• The Lawsuit against John Hancock's Officers and Directors
• Executive Compensation and Financial Services Integration
• Appendix A:  Compensation Data for 2002 from Proxies
• Appendix B:  Compensation Data for 2002 from Nebraska
• Appendix C:  Compensation Data for 2002 from New York

September 2003 (32 pages; $10)

• The Financial Strength of Life-Health Insurance Companies
• Ratings List
• Watch List
• Appendix A:  Descriptions of Rating Categories
• Appendix B:  Distributions of Ratings

October 2003 (8 pages; $10)

• The NAIC Terminates Free Public Access to the Annual Statements of Insurance Companies
• Executive Compensation Data in the Annual Statements of Insurance Companies
• Is the NAIC Private or Governmental?

November 2003 (16 pages; $10)

• The Surplus Note Catastrophe at Lumbermens Mutual
• What Is a Surplus Note?
• Do Insurance Regulators Have Statutory Authority To Approve Issuance of Surplus Notes?
• More on Executives' Compensation in 2002
• Surplus Note Usage by Insurers
• Risk-Based Capital Ratios
• Comments from the State of Washington
• Appendix A:  Data on Surplus Notes
• Appendix B:  Data on Risk-Based Capital

December 2003 (16 pages; $10)

• Conseco's Assault on Universal Life Policyholders
• Conseco's Outrageous Surrender Form
• My Questions and Conseco's Answers
• Appendix:  Texas Insurance Commissioner's Protective Order Relating to Conseco Life Insurance Company of Texas