Topics

The following list of topics is organized according to the chapter titles in The Insurance Forum: A Memoir ("the book") and shows in parentheses the number of issues of The Insurance Forum mentioned in each chapter of the book. We have omitted from this list the three chapters in which no issues are mentioned. For the titles of the relevant articles in the issues mentioned in the book, click on the chapter title desired. All back issues are $10 except for the following eight issues, which are $25:  December 1987, October 1988, April 1997, December 1998, March 1999, July 2013, August 2013, and September 2013. For bulk pricing, please contact us. Click here for ordering information.

Anyone interested in more articles on any topic is invited to contact us. We may be able to help.

  • Chapter 3: The Indiana Years: 1962-2015 (3)

    • June 1975, The Power of Compound Interest
    • April 1997, An Insurance Guide for Seniors ($25)
    • May 2013, A Memorial Tribute to Dan Mays McGill
  • Chapter 4: The Replacement Problem (8)

    • February 1976, Replacement Is Not Necessarily Twisting
    • January 1978, A Life Insurance Tragedy
    • June 1982, Is Your Life Insurance Reasonably Priced? (How to Evaluate an Existing Life Insurance Policy)
    • July 1984, Observations on Life Insurance Replacement Activity
    • December 1984, The Piggybacking Scandal at Prudential; A Prominent Agent Joins the Replacement Industry
    • March 1985, From the Mailbag
    • March 2012, The Victimization of an Elderly Widow through Life Insurance and Annuity Churning
    • January 2013, More on the Victimization of an Elderly Widow through Life Insurance and Annuity Churning
  • Chapter 5: The A. L. Williams Replacement Empire (12)

    • December 1980  The Plight of Jefferson Standard's Old Policyholders
    • April 1981  The A. L. Williams Replacement Empire
    • January 1982  The A. L. Williams Replacement Empire Strikes Back (The Banning of The Insurance Forum in North Carolina)
    • March 1982  The A. L. Williams Strategy Begins to Unravel--Part 1
    • April 1982  The A. L. Williams Strategy Begins to Unravel--Part 2
    • July 1982  More on the Plight of Jefferson Standard's Old Policyholders
    • April 1983  A. L. Williams and The Saturday Evening Post<
    • September 1984  Victory in North Carolina against A. L. Williams' Efforts to Suppress Distribution of The Insurance Forum
    • May 1985  A. L. Williams' Common Sense Booklet
    • July 1985  A. L. Williams and the United States Congress
    • February 1988  A. L. Williams and Southern Illinois University
    • November 2010  The Primerica Replacement Empire (by Alan Press)
    • December 1980  The Plight of Jefferson Standard's Old Policyholders
    • April 1981  The A. L. Williams Replacement Empire
    • January 1982  The A. L. Williams Replacement Empire Strikes Back (The Banning of The Insurance Forum in North Carolina)
    • March 1982  The A. L. Williams Strategy Begins to Unravel--Part 1
    • April 1982  The A. L. Williams Strategy Begins to Unravel--Part 2
    • July 1982  More on the Plight of Jefferson Standard's Old Policyholders
    • April 1983  A. L. Williams and The Saturday Evening Post<
    • September 1984  Victory in North Carolina against A. L. Williams' Efforts to Suppress Distribution of The Insurance Forum
    • May 1985  A. L. Williams' Common Sense Booklet
    • July 1985  A. L. Williams and the United States Congress
    • February 1988  A. L. Williams and Southern Illinois University
    • November 2010  The Primerica Replacement Empire (by Alan Press)
  • Chapter 6: Life Insurance Prices and Rates of Return (7)

    • August 1974, The Plight of Old John Hancock Policyholders
    • November 1974, The John Hancock Actuaries Respond
    • September 1975, Linton's Famous Rate-of-Return Figures
    • June 1976, The Antitrust Subcommittee's Price Study
    • August 1977, The Anti-Disclosure Strategy of the Life Insurance Industry
    • September 1979, The FTC Drops an Atomic Bomb
    • January 1981, An Extraordinary NAIC Task Force Proposal
  • Chapter 7: The Collapse of Executive Life (14)

    • November 1986, Executive Life's Bermuda Reinsurance
    • March 1987, More on Executive Life's Bermuda Reinsurance
    • April 1987, An Interesting Letter from Executive Life
    • May 1987, The Reinsurance Disaster at Executive Life
    • June 1987, More on the Reinsurance Disaster at Executive Life
    • September 1987, Still More on the Reinsurance Disaster at Executive Life
    • June 1988, New Questions about Executive Life's Financial Condition
    • August 1988, More about Executive Life's Financial Condition
    • October 1988, Excerpts from Examination Report on Executive Life ($25)
    • November 1988, Executive Life, Moody's Investors Service, and Duff & Phelps
    • January 1990, Executive Life's Junk Bonds—A Case Study in the Manipulation of Investments to Improve Their Apparent Quality and Provide Surplus Relief
    • June 1991, The Collapse of Executive Life
    • July 1991, A New and Dangerous Era for the Life Insurance Industry
    • December 1991, A Disappointing Book about Executive Life
  • Chapter 8: Fractional (Modal) Premium Charges (10)

    • December 1978, A Forgotten Aspect of Life Insurance Disclosure
    • December 1998, Fractional Premium Charges in the Life Insurance Business ($25)
    • February 2001, Two Dramatically Different Settlements in Litigation over Disclosure of Fractional Premium Charges as Annual Percentage Rates
    • March 2001, Justifying the Unjustifiable—How a Court-Approved Settlement Protected a $550 Million Bonanza in Fractional Premiums at Primerica
    • December 2001, Insurance Commissioners and the ACLI Oppose Disclosure of Fractional Premium Charges as Annual Percentage Rates
    • May 2002, The Rewriting of History by Opponents of Disclosure of Fractional Premium Charges as Annual Percentage Rates
    • July 2003, Incorrect Statements from the ACLI about the Fractional Premiums Lawsuits in New Mexico
    • May/June 2004, The Utah Insurance Commissioner Blocks Disclosure of Fractional Premium Charges as Annual Percentage Rates
    • November 2004, The Growing Availability of Easy-To-Use Calculators for Annual Percentage Rates Associated with Fractional Premiums
    • April 2012 Massachusetts Mutual's Fractional (Modal) Premium Disclosures in New Policies
  • Chapter 9: The Secondary Market for Life Insurance (18)

    • March 1989, A System for the Exploitation of the Terminally Ill
    • March 1999, Viatical Transactions and the Growth of the Frightening Secondary Market for Life Insurance Policies ($25)
    • October 1999, Alleged Criminal Activity and Other Developments in the Viatical Industry
    • December 1999, More Allegations of Wrongdoing in the Viatical Industry
    • June 2000, A Florida Grand Jury Goes After Viatical Fraud
    • July 2000, Federal Criminal Allegations in California Relating to Viatical Fraud
    • August 2000, The First Viatical Fraud Convictions
    • July/August 2004, Flawed Life Insurance Programs Promoted to Charities
    • January/February 2007, Spitzer, Coventry, and the Secondary Market for Life Insurance Policies
    • January 2008, Obscene Commissions for Intermediaries in the Secondary Market for Life Insurance Policies
    • February 2008, Lincoln National's Lawsuit Seeking Rescission of $30 Million of Spinlife, and Other Developments Relating to Spinlife
    • December 2009, Coventry First's Settlement with New York Attorney General Andrew Cuomo
    • April 2011, The Waldhauser/Davis Viatical Fraud Case and Its Grisly Prelude
    • April 2012, The SEC Complaint against Life Partners and Three of Its Officers
    • May 2012, Federal Criminal Charges against Three STOLI Promoters
    • October 2012, Two Major STOLI Lawsuits against Phoenix
    • March 2013, A Lengthy Prison Sentence for the President of Provident Capital Indemnity
    • October 2013, Three Plea Agreements Related to the Federal Investigation of Imperial Holdings
  • Chapter 10: Universal Life (14)

    • November 1981, The War over Universal Life--Part 1
    • December 1981, The War over Universal Life--Part 2
    • May 1984, How Not to Advertise Universal Life
    • June 1984, Universal Life and Variable Life—How to Evaluate the New Wave of Life Insurance Products
    • October 1985, The Coming Era of Disillusionment
    • January 1986, More on Life of Georgia's Deceptive Advertisement
    • January 1987, Are Life Insurance Sales Illustrations Out of Control?
    • July 1995, Crown Life's Sales Illustrations and the Era of Disillusionment
    • January 1996, New York Life's Proposed Settlement of Lawsuits Alleging Deceptive Sales Practices
    • July 2001, The Likely Failure of a Universal Life Policy
    • December 2003, Conseco's Assault on Universal Life Policyholders
    • February 2012, The Controversy over Reserves for Universal Life Policies with Secondary Guarantees
    • October 2012, Two Major STOLI Lawsuits against Phoenix
    • December 2012, More on the Cost-of-Insurance Increases That Phoenix Imposed on Certain Policyowners
  • Chapter 11: The Military-Insurance Interlock (7)

    • September 1974, The "Military-Insurance Complex" Revisited
    • March 1978, A Disclosure Problem for Veterans of the Korean War
    • October 1978, An Extraordinary Price Comparison
    • March 1987, A. L. Williams and the Department of Defense
    • June 2001, The Continuing Saga of Life Insurance Sales Practices at Military Installations
    • March 2003, The Results of the Federal Investigation into Academy Life's Sales Practices at Military Installations
    • November/December 2006, DOJ, SEC, and State Insurance Regulatory Actions against Abusive Practices Directed at Military Personnel
  • Chapter 12: Distortion of Important Policy Provisions (9)

    • February 1974, How To Pay Premiums for "A Piece of the Rock" and Have No Insurance Protection
    • April 1974, The Misstatement-of-Age Clause and the "Goodman Effect"
    • August 1975, A Report on Death Claim Procedures
    • September 1976, MONY and the Misstatement-of-Age Clause
    • January 1978, A Life Insurance Tragedy
    • May 1979, The Case of the Outdated Settlement Agreement
    • April 1980, A Close Look at Some of Prudential's Practices
    • September 1985, What the Word "Incontestable" Really Means
    • October 2013, Minnesota Life's "New" and "Unique" Irrevocable Settlement Option
  • Chapter 13: Deceptive Sales Practices (5)

    • February 1977, Northwestern Mutual's Fabulous Dividends
    • July 1977, More on Northwestern Mutual's Dividends
    • June 1978, Northwestern Mutual's Dividend Advertisement Revisited
    • February 1981, How Not to Sell Cash-Value Life Insurance
    • April 2002, "LEAP" and the Diversion of Funds into Cash-Value Life Insurance
  • Chapter 14: Professional Codes of Ethics (14)

    • March 1974, The Non-Enforcement of the CLU Code of Ethics
    • March 1975, Lip Service from the MDRT
    • September 1978, The Quiet End of a Big Libel Suit
    • October 1978, An Extraordinary Price Comparison
    • July/August 2004, Personal Reflections about Jack Moorhead
    • May/June 2005, A Conflict of Interest for Joseph Petrelli of Demotech
    • October 2005, The Disciplinary Body of the U.S. Actuarial Profession Says Joseph Petrelli of Demotech Does Not Have a Conflict of Interest
    • October 2008, The Need for More Transparency in the Actuarial Profession's Disciplinary Procedures
    • December 2008, More on Actuarial Disciplinary Procedures
    • January 2012, Disciplinary Actions Imposed on Actuaries by Their Professional Organizations
    • January 2013, A Shocking Development at the CFP Board
    • February 2013, The Reporting of Disciplinary Actions by the CFP Board of Standards
    • March 2013, Knights of Columbus Takes Action against an Agent
    • June 2013, Enforcement of Codes of Ethics of Professional Insurance Organizations
  • Chapter 15: Credit Life Insurance (2)

    • March 1986, Credit Life, Reinsurance, and the Antirebating Laws
    • January 2005, Conflicts of Interest Relating to Compensation in the Distribution Component of the Insurance Industry
  • Chapter 16: Disability Insurance (8)

    • November 1974, What "Renewable at Company Option" Means
    • February 2003, The National Media Spotlight Focuses Attention on UnumProvident's Disability Insurance Claims Practices
    • February/March 2005, The Multistate Settlements Relating to UnumProvident's Disability Insurance Claims Practices
    • April 2005, The Georgia Examination Report on UnumProvident's Disability Insurance Claims Practices
    • January 2006, The California Insurance Department's Settlement with UnumProvident Relating to Disability Insurance Claims Practices
    • February/March 2006, Aftermath of the California/UnumProvident Settlement Relating to Disability Insurance Claims Practices
    • March 2009, Two Recent Court Decisions Critical of UNUM's Disability Insurancd Claims Practices
    • June 2010, How a Medical Reviewer Helped Reliance Standard Deny Disability Claims
  • Chapter 17: Medical Insurance (1)

    • January 1974, An Illustration of What "Guaranteed Renewable" Means
  • Chapter 18: Long-Term Care Insurance (18)

    • February 1988, An Open Letter to Danny Thomas about Union Fidelity Life's "Choice Plus" Long-Term Care Insurance Plan
    • August 1991, An Important Study of Long-Term Care Insurance
    • April 1997, An Insurance Guide for Seniors ($25)
    • May 1997, General Electric Capital Assurance's Deceptive Promotion of Guaranteed Renewable Long-Term Care Insurance
    • March/April 2004, TIAA's Surprising Exit from the Long-Term Care Insurance Business
    • December 2005, Developments Relating to TIAA's Transfer of Its Long-Term Care Insurance Business to Metropolitan Life
    • June 2007, Metropolitan Life's Flawed Attempt to Take Over TIAA's Obligations Relating to Long-Term Care Insurance Policies
    • July 2008, Shortcomings of Private Insurance in Financing Long-Term Care
    • August 2008, The Unconventional NAIC Settlement with Conseco on Long-Term Care Insurance
    • November 2008, Conseco's Separation from a Financially Troubled Long-Term Care Insurance Subsidiary
    • January 2009, More on Conseco's Separation from a Troubled Long-Term Care Insurance Subsidiary
    • June 2009, Tardy Disclosure of an Important Element in the Approval of Conseco's Separation from a Troubled Long-Term Care Subsidiary
    • January 2010, Conseco's Settlement with the California Department on Long-Term Care Plans
    • January 2012, Ill-Advised State Government Promotions of Private Long-Term Care Insurance
    • May 2012, A Lawsuit over Claims Practices at a Former Conseco Long-Term Care Subsidiary
    • August 2012, The Pennsylvania Commissioner's Court Defeat Regarding Penn Treaty's Long-Term Care Insurance Business
    • May 2013, An Important Lawsuit Relating to Long-Term Care Insurance Claims Practices
    • November 2013, Settlement of a Lawsuit Relating to SHIP's Long-Term Care Claims Practices
  • Chapter 19: The Annuity Business (14)

    • April 1978, How Not To Sell Tax-Sheltered Annuities
    • April 1979, Deception in the Sale of Tax-Sheltered Annuities
    • April 1997, An Insurance Guide for Seniors ($25)
    • November 1997, Western Fraternal Life and the Taxation of Annuities
    • August 1998, A Question about Life Annuities
    • November 1998, Measuring the Price of the Protection in Life Annuities
    • March/April 2007, The Minnesota Complaint against Allianz Life for Selling Unsuitable Deferred Annuities to Seniors
    • August 2007, The Expanding Crackdown on Deception in the Sale of Unsuitable Annuities to Seniors
    • December 2007, The Minnesota/Allianz Settlement about Sales of Unsuitable Annuities to Seniors
    • May 2008, The Minnesota General, American Equity, Aviva, and the Selling of Unsuitable Annuities to Seniors
    • January 2010, An Unsuitable Life Annuity from TIAA
    • June 2010, American Equity Investment Life, the Minnesota Commerce Department, and the SEC
    • August 2012, An Alternative to a Life Annuity
    • November 2012, More on Systematic Withdrawals as a Viable Alternative to a Life Annuity
  • Chapter 20: The Secondary Market for Annuities (8)

    • June 2009, Money Laundering through Annuities
    • April 2010, Stranger-Originated Life Annuities
    • August 2011, The Secondary Market for Annuities
    • October 2011, More on the Secondary Market for Structured Settlement and Retirement Annuities
    • March 2012, Recent Civil and Criminal Cases Relating to Stranger-Originated Life Annuities
    • February 2013, A Stunning Guilty Plea During the Criminal Trial of Joseph Caramadre
    • April 2013, Yet Another Stunning Development in the Caramadre Criminal Case
    • October 2013, A Federal Judge Slams Joseph Caramadre
  • Chapter 21: Charitable Gift Annuities (11)

    • February 1978, Billy Graham's Gift Annuities
    • August 1978, More on Billy Graham's Gift Annuities
    • July 2010, Deceptive Promotion of Charitable Gift Annuities
    • March 2012, Limited Progress in Addressing Deceptive Promotions of Charitable Gift Annuities
    • June 2013, More on Deceptive Promotions of Charitable Gift Annuities
  • Chapter 22: Financial Strength Ratings (11)

    • January 1974, Attention: Regulatory Officials
    • October 1977, The A. M. Best Company Expands Its Market
    • November 1988, Executive Life, Moody's Investors Service, and Duff & Phelps
    • March 1990, General American Life and Moody's Investors Service—A Case Study in the Deceptive Use of a Rating Firm's Report
    • September/October 1991, Financial Strength Ratings of Life Insurance Companies
    • March/April 1995, Financial Strength Ratings of 1,600 Life--Health Insurance Companies
    • June 1997, Guardian Life's Omission of Its Rating by Moody's
    • October 1999, The Stunning Default at General American Life
    • September 2000, The Financial Strength of Life-Health Insurance Companies
    • February/March 2005, Why We Omitted the Weiss Ratings from Our September 2004 Special Ratings Issue
    • September 2013, Financial Strength of Insurance Companies ($25)
  • Chapter 23: Transfers of Policies between Companies (9)

    • October 1989, Assumption Reinsurance and the Plight of the Consumer
    • December 1989, More on Assumption Reinsurance—A Court Decision in California, Penn Mutual, and the New York Insurance Department
    • January 1991, Assumption Reinsurance Strikes Again—The Beneficiary of a Life Insurance Policy Becomes Another Victim of an Abusive Industry Practice
    • May 1991, The Struggle to Protect the Rights of Policyowners when Policies Are Transferred from One Insurance Company to Another
    • August 1992, A Suggested Commitment Clause Regarding Insurance Policy Transfers
    • August 1993, Crown Life's Transfer of its United States Disability Business to Lone Star Life—A Case Study in Nondisclosure of Material Information
    • March/April 2004, TIAA's Surprising Exit from the Long-Term Care Insurance Business
    • December 2005, Developments Relating to TIAA's Transfer of Its Long-Term Care Insurance Business to Metropolitan Life
    • June 2007, Metropolitan Life's Flawed Attempt to Take Over TIAA's Obligations Relating to Long-Term Care Insurance Policies
  • Chapter 24: Compensation of Insurance Executives (11)

    • October 1975, Another Measure of Company Size
    • January 1987, More Secrecy from the NAIC
    • July 2000, The New York Insurance Department Slams the Door on Public Access to Compensation Data
    • November 2001, A Court Orders the New York Insurance Department to Honor Our Request for Executive Compensation Data
    • October 2007, The New York Insurance Department Changes Its Position on Compensation Disclosure
    • October 2008, The Decimation of New York State's Century-Old Compensation Disclosure Law
    • July 2009, Executives' Compensation in 2008
    • July 2010, Executives' Compensation in 2009
    • July 2011, Executives' Compensation in 2010
    • July 2012, Executives' Compensation in 2011
    • July 2013, Executives' Compensation in 2012 ($25)
  • Chapter 25: Surplus Notes (8)

    • February 1994, The Recent Flurry of Controversial Surplus Notes
    • September 1994, Who Bought Those Controversial Surplus Notes?
    • November 2003, The Surplus Note Catastrophe at Lumbermens Mutual
    • March/April 2007, The Surplus Note Catastrophe at Atlantic Mutual
    • August 2010, TIAA and Northwestern Issue Surplus Notes
    • August 2012, Insurance Companies' Usage of Surplus Notes
    • August 2013, Insurance Companies' Usage of Surplus Notes ($25)
    • September 2013, Watch List of Life-Health Companies ($25)
  • Chapter 26: The Demutualization Wave (10)

    • December 1997, The Mutual Holding Company—A Flawed Concept
    • May 1998, Democracy at Provident Mutual—A Case Study in the Suppression of Communication among Policyowners
    • June 1998, The Apparent Cover-up at Provident Mutual
    • January 1999, The Pennsylvania Insurance Department's Approval of Provident Mutual's Anti-Policyowner Reorganization Plan
    • May 1999, The Strange Results of the Allocation Formula in the Demutualization of Standard Insurance Company
    • August 1999, More on the Canadian Approach to the Allocation of Value to Policyholders in Demutualizations
    • December 1999, The Strange Results of the Allocation Formula in the Demutualization of John Hancock
    • August 2002, A Big Payday for Six Departing Executives of Provident Mutual
    • June 2003, Income Taxation of Distributions to Policyholders in Demutualizations
    • November 2010, Unclaimed Life Insurance Property
  • Chapter 27: Life Insurance Policy Dividends (2)

    • April 1976, Great News--Except for Equitable's Old Policyholders
    • October 1978, The New York Cover-Up Continues to Unravel
  • Chapter 28: Agents' Contracts with Insurance Companies (8)

    • June 1974, An Emancipation Proclamation for Life Insurance Agents
    • October 1974, How to Terminate an Agent's Contract
    • February 1975, The NALU Is Not a Union
    • March 1975, New York Life's Tontine-Like Arrangement for Agents
    • September 1977, A Provocative Telephone Conversation
    • September 1978, A Case Study in the Vulnerability of Agents
    • August 1979, How Not to Handle a Policyholder's Authorization
    • July 2010, The Commission Chargeback Clause in Protective Life's Contracts with Agents
  • Chapter 29: The Insurance Regulators (4)

    • March 1988, IRIS As a Mechanism for Insurance Industry Financing of the NAIC
    • March 1989, A System for the Exploitation of the Terminally Ill
    • December 1989, The A. L. Williams Victory over the California Insurance Department
    • October 2003, The NAIC Terminates Free Public Access to the Annual Statements of Insurance Companies
  • Chapter 30: The Insurance Regulatory Information System (9)

    • April 1985, The NAIC's Confidential IRIS Ratios
    • August 1986, The NAIC's Confidential IRIS Ratios for 1985
    • December 1987, Insurance Companies Designated by the NAIC for Regulatory Attention ($25)
    • January 1988, Best's Ratings and NAIC's IRIS Designations
    • April 1988, IRIS and the Subsidiaries of Major Insurance Companies
    • June 1988, The Continuing Struggle for Access to the NAIC's IRIS Material
    • September 1989, A Watch List of Insurance Companies Based on the NAIC's 1989 IRIS Ratios
    • November 1994, An Expanded Watch List of Life-Health Insurance Companies
    • September 2006, Financial Strength of Insurance Companies
  • Chapter 31: Risk-Based Capital (3)

    • November 1994, An Expanded Watch List of Life-Health Insurance Companies
    • March/April 2004, Conseco Adds to the Confusion Surrounding RBC Ratios
    • August 2013, Insurance Companies' Risk-Based Capital Ratios ($25)