Index to 2006 best's review articles.Agent/Broker 4 Advertising Blunders. Avoid these mistakes before committing to your next marketing campaign. May, p. 94. 5 Strategies to Clear Backlogs. Combining clarification, separation, simplification, measurement and communication can eliminate backlogs of work quickly and cost effectively. October, p. 74. 9 Key Retirement-Income Questions. With the life industry's latest generation of products, advisers and buyers have new retirement-planning issues to consider. November, p. 52. A New Vision. As agents and carriers recognize the underserved insurance needs of African-American and urban markets, competition for these groups is heating up. February, p. 62. * North Carolina North Carolina, state in the SE United States. It is bordered by the Atlantic Ocean (E), South Carolina and Georgia (S), Tennessee (W), and Virginia (N). Facts and Figures Area, 52,586 sq mi (136,198 sq km). Pop. Mutual Finds Its Niche. February, p. 64. Aiming High. Hub International Hub International Limited is an insurance brokerage based in Chicago, Illinois. The company has 200+ offices across the United States and Canada. The company offers three types of commercial products and services: property and casualty products, employee benefits and risk has grown by giving its employees the freedom to stretch their entrepreneurial spirit--and a safety net to help them if they stumble. September, p. 74. * Measuring Success. September, p. 76. * Entrepreneurial Spirit. September, p. 77. * Looking for Looking for In the context of general equities, this describing a buy interest in which a dealer is asked to offer stock, often involving a capital commitment. Antithesis of in touch with. Acquisitions. September, p. 78. Anticipating Tomorrow Today. Clients value a partner whose advice can trigger epiphanies in which risk management solutions reveal themselves. May, p. 62. Boom and Bust In economics, the term boom and bust refers to the movement of an economy through economic cycles. The Boom-Bust economic cycle According to most economists, an economic boom is typically characterized by an increased level of economic output (GDP), a corresponding ? Insurers face new challenges as the baby boom generation may have to work beyond age 70 to maintain its current standard of living. April, p. 87. Broker Wars 2006. Some commercial brokers are gaining market share as a result of the compensation controversy. March, p. 27. * Leading Brokers a Year Later. March, p. 32. Build a Pipeline to Productivity. Links to a current client, center of influence, network or industry group can generate time-efficient positive leads. June, p. 66. Compelling the Consumers. Benefits brokers can provide the traction employers need to switch workers to consumer-driven health plans. August, p. 100. Compensation Paying Off. Agents and brokers are revising compensation plans to encourage new sales and growth of business from both producers and customer service representatives. September, p. 102. Don't Take It; It's Mine. Enforceable nonpiracy agreements protect the business interests of both agencies and agents. January, p. 85. Going for 50. Nationwide online producer licensing is just a few states away. January, p. 41. * NIPR Noun 1. NIPR - a clandestine group of leftist extremists who oppose Italy's labor policies and foreign policy; responsible for bombing building in the historic center of Rome from 2000 to 2002 Products. January, p. 42. Growing Crop Insurance concerns. The 2007 federal budget has agents seeking yet another language change to the Federal Crop Insurance Act. April, p. 84. Katrina's Next Wave. Agents' E&O coverage could become the next liability target nationwide. June, p. 22. * Few Big Players in the Agent/Broker E&O Market. June, p. 24. Life Cycle Risk Management. Agents and brokers are trying to earn a seat at the financial planning Financial planning Evaluating the investing and financing options available to a firm. Planning includes attempting to make optimal decisions, projecting the consequences of these decisions for the firm in the form of a financial plan, and then comparing future performance against table. August, p. 67. Making a Move. When personal lines policyholders relocate, agents move, too--to set up their clients with the same insurer or a similar agent in the new neighborhood. August, p. 63. Next Messaging. Insurers are exploring the newest avenues of cyberspace Coined by William Gibson in his 1984 novel "Neuromancer," it is a futuristic computer network that people use by plugging their minds into it! The term now refers to the Internet or to the online or digital world in general. See Internet and virtual reality. Contrast with meatspace. . May, p. 58. * A New Way to Reach Agents. May, p. 60. No Time to Spare. A new approach to time management has producers delegating, planning, qualifying, and performing self-analysis. March, p. 33. Nourishing nour·ish tr.v. nour·ished, nour·ish·ing, nour·ish·es 1. To provide with food or other substances necessary for life and growth; feed. 2. Sales. Producers experience greater productivity with strategies developed by seasoned sales management Sales Management Role and Goal Importance of sales management is critical for any commercial organization. Expanding business in not possible without increasing sales volumes, and effective sales management goal is to organize sales team work in such a manner that ensures a . December, p. 56. Personal Touch Matters. A survey finds homeowners give a vote of confidence to agents and their hands-on approach. November, p. 84. Preparing for the Worst. A two-pronged disaster management plan requires preparation and practice in responding to nature and man-made perils. February, p. 94. Producing Results. Producer lifecycle management can improve recruiting, contracting and appointing agents. February, p. 91. Rising Starr. C.V. Starr & Co. Inc. agencies vow to succeed without the help of--and in competition with--AIG. July, p. 30. Scientific Uncertainty. Prudent insurers will pay close attention to the scientific debates that surround the issue of global climate change. October, p. 77. Selling Good Decisions. Agents and brokers will be more successful if they demonstrate they know just as much about their clients as they do about financial products. March, p. 34. Sittin' In. Property/casualty agents and brokers can--and should--align themselves with planners at the wealth-management table. November, p. 87. Take 5 Steps Closer to Your Customers. To remain competitive, distributors must build more profitable client relationships. September, p. 98. The Long Haul Long distance. Long haul implies traversing a state or a country. Contrast with short haul. . Aligned interests and a shared passion are crucial concerns for independent insurance agents when choosing a carrier. August, p. 103. The Right Fit. In the past year, life insurers, their associations and regulators have worked hard to protect buyers of annuities from inappropriate sales. One positive result is that the Insurance Marketplace Standards Association has adopted its strictest suitability standards ever. December, p. 51. * IMSA's Use of 'Could' versus 'Must'. December, p. 54. Top Global Insurance Brokers. Best's Reviewpresents its premier global insurance broker rankings by revenue, with in-depth looks at leading firms' results and strategies. July, p. 22. Years of Experience. Sheldon Rankin is marking 50 years in the insurance business by leading Integro Canada's charge. November, p. 85. Alternative Markets Delayed Reaction delayed reaction n. An allergic or immune response that begins 24 to 48 hours after exposure to an antigen to which the individual has been sensitized. . The alternative risk market made it through the 2005 U.S. hurricane season Hurricane season refers to a period in a year when hurricanes usually form. For more information see: Tropical cyclone#Times of formation. For a lists of past seasons, see:
* Hits and Misses. March, p. 44. * Who's Who Who’s Who biographical dictionary of notable living people. [Am. Hist.: Hart, 922] See : Fame in Captives? March, p. 45. Annuities Electing Social Security Early. A variable annuity Variable Annuity An insurance contract in which, at the end of the accumulation stage, the insurance company guarantees a minimum payment. The remaining income payments can vary depending on the performance of the managed portfolio. with guaranteed withdrawal benefits can make up for taking lower Social Security benefits at age 62. December, p. 77. Managing Longevity Risk The new retirement math is that living benefits in variable annuities Variable annuities Investment contracts whose issuer pays a periodic amount linked to the investment performance of an underlying portfolio. can help hedge market risk. August, p. 54. 'Tis a Gift to Be Simple. Complex annuities scare off Verb 1. scare off - cause to lose courage; "dashed by the refusal" daunt, frighten away, frighten off, scare away, pall, scare, dash intimidate, restrain - to compel or deter by or as if by threats both buyers and advisers, so the industry is offering less intimidating products. April, p. 46. * Knowing Crediting Methodologies Can Improve Returns. April, p. 48. Auto A Brand New Approach, Auto insurers are looking to various channels and a consistent message to brand their companies. January, p. 52. * A Legend in Its Time. January, p. 53. * Specific Appeal. January, p. 54. * In a Favorable Light. January, p. 55. Turning the Corner. How the New York New York, state, United States New York, Middle Atlantic state of the United States. It is bordered by Vermont, Massachusetts, Connecticut, and the Atlantic Ocean (E), New Jersey and Pennsylvania (S), Lakes Erie and Ontario and the Canadian province of State Insurance Department lowered auto insurance rates, slashed loss costs for insurers and reduced fraud. January, p. 76. * Looking Ahead. Pending N.Y. Legislation. January, p. 78. Not By Accident. With an unusual business model and a strong emphasis on serving consumers, NJ Cure is gaining ground in the New Jersey private-passenger auto market. October, p. 108. * Born of Crisis. October, p. 109. * Changing the Score. October, p. 110. State of Recovery. After years of tinkering, New Jersey's auto insurance market is finally well tuned. October, p. 81. * The Darkest Hour for N.J. Drivers. October, p. 82. * The Legislative Fix. October, p. 84. Catastrophe Coverage A Catastrophic Battle. Some major players in the insurance industry say it's time It's Time was a successful political campaign run by the Australian Labor Party (ALP) under Gough Whitlam at the 1972 election in Australia. Campaigning on the perceived need for change after 23 years of conservative (Liberal Party of Australia) government, Labor put forward a the federal government provides protection against 'mega-catastrophes.' But a plan in Congress to create a federal backstop to state catastrophe funds continues to face an uphill climb. October, p. 38. Building Up to Code. Insurers back stronger building codes to lessen catastrophe losses, but progress is slow in two Gulf States. August, p. 24. Fixing the Leaks in the NFIP NFIP National Flood Insurance Program (US FEMA) NFIP National Foreign Intelligence Program NFIP National Foundation for Infantile Paralysis, Inc. NFIP National Federation of Independent Photographers . Best's Review survey shows that insurance professionals across the industry want to shore up the national flood program. July, p. 58. Funding Fiasco? A Best's Review survey suggests a federal catastrophe fund could be disastrous for the industry. October, p. 45. High Water Mark. Insurers are scrutinizing the National Flood Insurance Program The National Flood Insurance Program (NFIP) was created by the Congress of the United States in 1968 through the National Flood Insurance Act of 1968 (P.L. 90-448). after the worst flooding in decades. July, p. 49. * Privatizing Flood. July, p. 50. Learning Curve. Improvements in science and technology over the past century have made the industry more capable of predicting and responding to natural catastrophes. June, p. 71. Panacea or Boondoggle boon·dog·gle Informal n. 1. An unnecessary or wasteful project or activity. 2. a. A braided leather cord worn as a decoration especially by Boy Scouts. b. ? U.S. officials are taking a new look at tax-deferred reserves for catastrophe claims, but questions remain about whether they strengthen or harm the private insurance market. September, p. 80. * Reserving in Europe. September, p. 82. Searching for a Cause. Adjusters struggle to find out whether wind or flood produced Katrina's devastation. February, p. 22. * A House for Next Time. February, p. 26. * Agents Brave Katrina at Work and at Home. February, p. 27. Directors and Officers A Different Outlook. D&O underwriters are putting companies under more scrutiny than in the past. September, p. 108. Disability Call to Action. Workplace dynamics are changing how disability insurance is underwritten. November, p. 42. Disability's New Day. Group disability has become more competitive and has acquired a new emphasis on the small-case market. March, p. 36. * Council to Promote Long-Term Disability Insurance. March, p. 38. On Call. Insurers are making some big--and enticing--changes to disability insurance for physicians, but there's still an untapped market in need of the coverage. July, p. 76. * Added Protection. July, p. 78. Playing Doctor. Disability insurers should leave medical decisions up to the insureds and their physicians. September, p. 104. The Return of Own-Specialty. Liberalized disability benefits for professional groups suggest that history might repeat itself, to the detriment of insurers. April, p. 64. Health/Employee Benefits A Cloudy Future. A recent New York law extending the deadline for Sept. 11-related workers' comp claims means insurers of first responders may experience liability for years to come. September, p. 38. A Growing Problem. Diabetes and obesity are taking a toll on the U.S. health-care system. Health insurers and disability carriers are reaching out to members, physicians and employers about ways to curb the rise of these diseases. December, p. 57. * Better Health---One by One. December, p. 60. * Disability Takes a Hit. December, p. 62. A Healthy Change. Consumer-driven health plans' success depends on empowering participants and making them accountable for their actions. December, p. 90. Dealing the Odds. Sierra Health has turned a physician practice into the largest health insurer in Nevada with its unusual approach of owning its own medical facilities and by making its home in one of the nation's largest booming markets. June, p. 60. * Location, Location, Location Location, Location, Location is a popular Channel 4 property programme, presented by Kirstie Allsopp and Phil Spencer. The reality show follows two real estate experts as they try to find the perfect home for a different set of buyers each week. It first aired in May 2001. . June, p. 62. Diagnosis: Expect Growth Spurt growth spurt Pediatrics A period of rapid growth in middle adolescence; ♀ ↑ ±8 cm/yr ±age 12; ♂ ↑ ±10 cm/yr ± age 14; GS is orderly, affecting acral parts–ie, hands and feet grow before proximal regions, . Poland leads health insurance modernization among the former Soviet satellite states. February, p. 98. Follow the Leader. As Wal-Mart and other mega-employers offer health savings accounts A Health Savings Account (HSA) is a tax-advantaged medical savings account available to taxpayers in the United States who are enrolled in a High Deductible Health Plan (HDHP). The funds contributed to the account are not subject to federal income tax at the time of deposit. , some industry experts believe it's only a matter of time until more companies jump on the HSA HSA Health Savings Account (US) HSA Human Serum Albumin HSA Human Services Agency (Nevada) HSA Health Services Agency HSA Health and Safety Authority (Ireland) bandwagon. February, p. 82. Health Care in Paradise. Hawaii is the only U.S. state A U.S. state is any one of the fifty subnational entities of the United States, although four states use the official title "commonwealth". The separate state governments and the federal government share sovereignty, in that an American is a citizen both of the federal entity and to require employers to offer health insurance to their employees. The mandate has proven to be both a blessing and a curse. July, p. 36. Here's to Your HealS. Insurers are working with employers to provide wellness programs in hopes of creating healthier and more productive employees. April, p. 52. * A Measurable Difference. April, p. 54. Less Is More Opportunity. Mini-meds or limited-benefit health plans are fast becoming a standard product among carriers. January, p. 69. Medical Breakthrough. Dr. David Brailer David Brailer is a public health official from the United States. Brailer was appointed the first National Health Information Technology Coordinator on May 6, 2004. In this role, he executed the actions ordered by President George W. is moving the goal of electronic health records for most Americans, along with a national health information technology infrastructure, closer to reality. February, p. 38. Mega Changes on the Horizon. A Texas life and health insurer regroups with a new name and a new objective, lowering the high cost of health care. August, p. 96. * Consumer-Driven Offerings. August, p. 97. More Than a Sales Pitch. Commercial buyers of insurance want brokers to offer more insight and advice, and anticipate potential business risks. August, p. 62. Playing With the Big Boys. Competition is heating up among health plans to attract large national accounts. November, p. 80. Smart Money. Wise health-care companies are investing in technology to use their medical and biological information better. July, p. 95. Status Quo [Latin, The existing state of things at any given date.] Status quo ante bellum means the state of things before the war. The status quo to be preserved by a preliminary injunction is the last actual, peaceable, uncontested status which preceded the pending controversy. vs. Change. Unraveling the knots in the current health-care system will require strategies bigger than any single enterprise. February, p. 86. When Consumer-Directed Plans Met Managed Care. The growing popularity of consumer-directed health care doesn't mean the demise of traditional managed care, but rather a coming together of the two types of products. October, p. 78. Index Index to 2005. Bests Review Articles. January, p. 90. Leading Writers Top Life Writers by Admitted Assets, United States--2005. July, p.46. Top Property/Casualty Writers by Net Premiums Written, United Slates--2005. July, p. 55. Top 35 Global Reinsurance The contract made between an insurance company and a third party to protect the insurance company from losses. The contract provides for the third party to pay for the loss sustained by the insurance company when the company makes a payment on the original contract. Groups. August, p. 40. Top Property/Casualty Writers by Line, United Slates--2005. August, p. 26-31. Top Life Writers by Line, United States--2005. September, p.52-56. Auto, Top Writers, Canada--2005. October, p. 86. Auto, Top Writers, United States--2005. October, p. 86-94. Asset Distribution, Top Life Writers, United States--2005. October, p.106. Asset Distribution, Top P/C Writers, United States--2005. October, p. 107. Homeowners Multiple Peril, Top Writers, United States--2005. November, p.36. Homeowners Multiple Peril, Top Writers by State--2005. November, p. 38. Top Inland Marine, Ocean Marine, Fire &Allied Writers, United Slates---2005. December, p. 80-84. Life A Big Step Up. If the life settlement industry can make its business easier to understand, years of impressive growth could follow. February, p. 87. A Long and Comfortable Life. Hartford President and COO Thomas M. Marra sees a healthy future for longevity products. June, p. 37. A New Kind of Hedge. Life insurance can be a valuable tool for baby boomers See generation X. caring for spouses, children and aging parents. May, p. 89. A Road Less Traveled. Symetra Financial, a spinoff bought by an investor group, exploits its advantages during its first two years. November, p. 65. A Spoonful of Sugar. Variable life insurance had another rough year in 2005 with sales down slightly, but companies offering product guarantees saw gains. May, p. 30. Boomers and Life. Improved group life insurance benefits could entice boomers to keep contributing at work. September, p. 96. Capturing Retirement Rollovers. Life insurers have a lot to offer retirees rolling over money from qualified plans. Some are beginning to offer not just products, but specific programs. August, p. 48. Changing Channels. Agents are likely to join independent marketing organizations, which offer greater commissions, but less service. How will insurers respond to demands for service? June, p. 77. Coming to a Market Near You. An effective, practical product disclosure and suitability framework could usher in Verb 1. usher in - be a precursor of; "The fall of the Berlin Wall ushered in the post-Cold War period" inaugurate, introduce commence, lead off, start, begin - set in motion, cause to start; "The U.S. a new environment for the industry and consumers. January, p. 66. Facing the New Competition. Life insurers need to focus more on improving the speed of underwriting. November, p. 67. Fighting 'The Blob'. Organizations need systems to function, but be wary lest they grow into unwieldy bureaucracies. October, p. 54. Genetic Evolution. How an industrial giant gave birth to life insurance's newest star. March, p. 50. * What's in a Name? March, p. 52. * From Wall Street to K Street. March, p. 54. Get Back to Basics. At a time when sales of life insurance products should be soaring, the industry needs to take a good look at what consumers really want. January, p. 68. Get Emotional. The Life Insurance Conference and the Retirement Industry Conference Coverage. June, p. 88. Healthy Shrinkage. The number of U.S. life insurance companies has fallen over the past decade by nearly half, a change that is probably for the better. October, p. 48. How Far Is Too Far?. Faced with pressures from all sides, underwriters face choices about what tools to use, and whether they'll be allowed to use them. November, p. 64. Lost in Translation. The industry operates under the erroneous assumption that improving life insurance products will make it easier to sell the products. December, p. 63. New Approaches. Life insurers wrestle with distribution issues every day. Some have taken special steps to promote better education about retirement income. July, p. 42. New Law, New Opportunities. The Pension Protection Act changes the landscape of defined-benefit and defined-contribution plans. For insurers and producers, it offers a big chance in a big market to build business. December, p. 64. Nothing to Lose but Chains. Rather than allow ourselves to stagnate stag·nate intr.v. stag·nat·ed, stag·nat·ing, stag·nates To be or become stagnant. [Latin st at a time of great opportunity, we underwriters must become more involved. February, p. 90. Protection Support. A joint effort of insurers, governments and employers is needed to bridge the gap in mortality protection that leaves millions of people vulnerable and society responsible. January, p. 62. * A Bigger Problem Than Statistics Show. January, p. 64. Rethinking Our Tobacco Follies. Life and health insurers need to take another look at tobacco-use underwriting issues. June, p. 90. Retirement Coaches. As Americans fret about their post-career lives, insurers see big opportunities to help. February, p. 41. * The Game Changes, an Association Forms. February, p. 44. Saving me Retirement Myth. Creative life insurers can gain business as traditional pensions dry up. May, p. 34. Something Extra. Purchasing longevity insurance can extend retirees' financial good life, but the industry has to design the right product first. March, p. 80. * Longevity Insurance's Challenges. March, p.82. Term Life vs. No-Lapse UL. Sales of both product lines are growing, but universal life with a guaranteed death benefit threatens to cut into term sales. September, p. 46. * Sizing Up the Competition. September, p. 47. The Great Spend Down. How well life insurers sell retirement-income products will depend on how their producers adjust to new realities. July, p. 41. Who Will Sell Life Insurance in Rye Years? Just as the initial wave of baby boomers is starting to retire, so will an increasing number of life insurance agents. April, p. 57 Wooing Baby Boomers. Insurers should try new products and approaches to reach baby boomers nearing retirement age. September, p. 95. Long-Term Care long-term care (LTC), n the provision of medical, social, and personal care services on a recurring or continuing basis to persons with chronic physical or mental disorders. A Younger Crowd. Thirty- and 40-year-olds are the new potential customers for long-term-care insurance. July, p. 92. Long-Term Solutions. Can partnership policies boost the sales of long-term-care insurance and cut future Medicaid costs? June, p. 74. Meetings and Conventions 2007 Meetings Quest. Gatherings in 2006 cover a range of agendas and topics, from annual meetings to conferences on such subjects as employee benefits and windstorms. December, p. 94. Mergers and Acquisitions The Rediscovery Noun 1. rediscovery - the act of discovering again discovery, find, uncovering - the act of discovering something rediscovery n → redescubrimiento of America. Many European life insurers established a presence in the United States United States, officially United States of America, republic (2005 est. pop. 295,734,000), 3,539,227 sq mi (9,166,598 sq km), North America. The United States is the world's third largest country in population and the fourth largest country in area. in the 1980s through the early 2000s by buying American companies. Today, they're reaping the awards. November, p. 24. People in Insurance Help Wanted "Help wanted" is a request commonly made by an employer in search of an employee. It may also refer to:
Insurance Recruiters. Some search firms specialize in placing insurance professionals in specific lines of business and occupations, while others serve the entire industry. April, p. 76. Prescription Drugs As me Dust Settles. Initial confusion surrounding the Medicare Part D prescription drug program is fading as health plans reach out to seniors about benefits and cost savings. May, p. 36. Inside me Medicine Cabinet. Health plans must decide whether to place a host of new prescription drugs on their formularies. August, p. 56. * In the Pipeline. August, p. 57. Prescription for Fair Plan. Insurers and consumers are using litigation An action brought in court to enforce a particular right. The act or process of bringing a lawsuit in and of itself; a judicial contest; any dispute. When a person begins a civil lawsuit, the person enters into a process called litigation. to recover overcharges from pharmaceutical firms that illegally keep generics off the market. April, p. 93. Property/Casualty A Century of Aftershocks. The Great San Francisco Earthquake San Francisco earthquake disaster claiming many lives and most of city (1906). [Am. Hist.: Jameson, 443–444] See : Disaster and Fire of 1906 remains a milestone in insurance risk assessment. On its centennial, the post-Katrina world is asking the obvious. "What if ...?" April, p. 24. * Taking the Brunt. April, p. 28. * Making History. April, p. 30. A New Land. Today's mutuals are blending their traditional business model into a changing world. September, p. 105. A Safe Journey. In the wake of Katrina, marine writers are taking steps to re-evaluate what, where and how to insure. December, p. 78. A Year of Struggles. 2005 wasn't a great year for Hank Greenberg
American International Group, Inc. (AIG) (NYSE: AIG; TYO: 8685 ) is a major American insurance corporation based in New York City. , but he has plans for the new year. March, p. 74. After Vioxx. The national focus on the Merck & Co. trials is calling attention to product liability insurance and its future with large drug manufacturers. May, p. 48. All Shook Up. If the 1906 San Francisco earthquake occurred today, insured losses would likely reach $80 billion; however, there are many scenarios capable of producing even greater losses. April, p. 33. An Uncommon Vision. How a small monoline company saw demand for its only line of business fading away, but used the underwriting lessons it learned to expand into a niche property/casualty player that regularly outperforms industry giants. August, p. 69. * The Founding Father. August, p. 72. Before the Rood rood (r  d), crucifix mounted above the entrance to the chancel and flanked by large figures of the Virgin and St. . Agents needs to advise insureds that someday a hard rain could befall be·fall v. be·fell , be·fall·en , be·fall·ing, be·falls v.intr. To come to pass; happen. v.tr. To happen to. See Synonyms at happen. them. May, p. 86. Database Essentials. Insurers are faced with the fairness-consistency challenge in settling bodily injury claims. April, p. 96. Finding Goodwill in the Bad. In the wake of Hurricane Katrina  Editing of this page by unregistered or newly registered users is currently disabled due to vandalism. , adjusters were tested to respond with fiscal responsibility without losing touch with their humanity. January, p. 57. Form Familiarity. Insurance pros who know their coverage forms inside and out are more likely to impress, rather than confuse, potential clients. November, p. 74. Hard-Learned Lessons. The benefits that models and data provide insurers have inherent limits. July, p. 82. High-Tech Success. Underwriting the technology sector requires a full-time investment. March, p. 78. High Tech, High Risk? Property/casualty insurers look at emerging technologies not for their typical uses, but for hidden abuses--and potential exposures. July, p. 84. Holistic Risk Management. Agents and brokers offer services to help consumers deal with a changing world. February, p. 95. Insurers Reward Eco-Friendly Clients. December, p. 86. Insuring the Intangible. Electronic intellectual-property exposures are growing rapidly for companies and businesses, while new technologies and practices also may put individuals at risk. February, p. 76. Keeping It Simple. Effective simplicity is the product of careful thought, sound judgment and thorough planning. April, p. 94. 'Let's Talk'. When a business relationship is heading for "Splitsville splits·ville adv. & adj. Slang In or into a state of separation or breakup: a couple that was splitsville after 12 years of marriage. n. ," the best thing to do is acknowledge it and move on. December, p. 85. Maintaining the Status Quo, At Commerce Group, success and growth come from keeping things the same. November, p. 88. * Dealing With Regulation. November, p. 89. Making ERM (Enterprise Relationship Management) An umbrella term with many shades of meaning over the years. It may refer to the management of information from any or all of an organization's customers, suppliers, business partners and employees. Happen. A few simple rules can empower champions of enterprise risk management to make it happen at their firms. January, p. 88. Managing the Cycle. Insurance carriers that fail to maintain underwriting discipline throughout the market cycle risk putting short-term gains ahead of long-term profit. October, p. 95. More Storms on the Horizon. Record hurricane losses are the costliest--but not the only--problems facing energy insurers. May, p. 81. Movin' on Up. Some of the nation's largest homeowners insurers are gaining on or passing their competitors in market rank. November, p. 30. * Movers & Shakers. November, p. 32. Not Business as Usual. Faced with a record volume of claims and far from ideal circumstances, insurers have settled most personal lines claims from Hurricane Katrina. Now the industry is taking steps to limit its exposure to the upcoming hurricane season. June, p. 27. * The Long Tail of Business Interruption. June, p. 30. * Homestead Homestead. 1 City (1990 pop. 26,866), Dade co., SE Fla.; inc. 1913. A large Miami suburb with a growing Hispanic population, Homestead is a trade center for the redland district, known for its many varieties of citrus and other fruits and vegetables. : Andrew Recovery Took 10 Years. June, p. 32. * Andrew's Aftermath in Florida. June, p. 32. On Dropping the Ball. Much like baseball, insurance is a game best played with professionalism, a team mentality and a winning spirit. September, p. 86. Playing to Win. A good insurance operation knows the secrets of a good basketball team. August, p. 108. Riding for the Brand. Carriers could learn a few things about loyalty from the Old West. March, p. 76. Tag-Teaming. Cooperation between a team of two brokers or agents provides a client the best of both worlds. June, p. 73. To Golf, or Not to Golf? It's wiser to prepare for a soft market than just ride it out. May, p. 52. Top of Their Game. Some of the most profitable writers of personal lines insurance are not household names History Formation (1998-2000) Household Names have been together since 1998, with various members rotating throughout the line-up with singer, Jason Garcia, until it was solidified in the summer of 2000 with bassist/keyboardist, Chris Peters, and drummer, C. J. . But whether they specialize in underwriting, claims management or keeping overhead costs overhead costs see fixed costs. low, they all tend to keep a laser-like focus on the bottom line. December, p. 26. Upfront and Personal. Proper use of the "personal profit" exclusion must be determined for defense coverage claims in white-collar criminal cases. October, p. 113. Upgrading Commercial Lines. Are process enhancements without product design changes really just an empty shell? January, p. 80. Weathering Change. Insurers must realize that the 2005 mega-storms were not an anomaly, but a harbinger har·bin·ger n. One that indicates or foreshadows what is to come; a forerunner. tr.v. har·bin·gered, har·bin·ger·ing, har·bin·gers To signal the approach of; presage. of things to come. February, p. 96. Regulatory/Law A Punch to the Wallet. Sure, insurance covers assaults and beating, but what about fiscal hostility? April, p. 82. Are You Ready for Solvency II Solvency II is the updated set of regulatory requirements for insurance firms that operate in the European Union. The rationale for European Union insurance legislation is to facilitate the development of a Single Market in insurance services in Europe, whilst at the same ? U.S. insurers doing business in the European Union European Union (EU), name given since the ratification (Nov., 1993) of the Treaty of European Union, or Maastricht Treaty, to the European Community must begin to prepare for a revolutionary new solvency regime. March, p. 88. Cause or Symptom? Two key court decisions define the limitations of mental illness insurance claims. March, p. 67. Copyrights and Trademarks and Patents! Oh, My! Insurers need to know the uses, benefits and risks of intellectual property rights to protect their own businesses and to avoid infringing on competitors' rights. August, p. 78. Designations, Designators and Degrees. Insurance professionals and aspiring professionals have opportunities to increase their knowledge of the industry through classes leading to an insurance designation and programs leading to a degree. May, p. 69. Environmental Claims. Excess/umbrella carriers may have to clean up after government-mandated orders. February, p. 61. Everything in Its Place. Litigation lifecycle management can streamline insurers' critical documents and give them greater control over the legal process. January, p. 82. Familiar Refrain. As the NAIC NAIC See National Association of Investors Corporation (NAIC). considers its 2007 budget, insurance industry concerns of years past echo once more. November, p. 56. Federal Elections. October, p. 34. * State Attorney General Races. October, p. 36. Financial Pioneers. The Gramm-Leach-Bliley generation of insurers and associations leads the way into banking for the health savings accounts newcomers. May, p. 41. For the Record--Corporate Changes 2005. All companies listed are U.S. property/casualty or life/health insurers. Changes occurred in 2005, unless otherwise indicated. June, p. 52. Forgoing the 'Usual Suspects'. Cargo and hull insurers can pursue alternate recovery routes when maritime disasters strike. May, p. 46. Getting Personal. Recent high-profile corporate scandals sprouted a new trend--attorneys targeting directors' assets. July, p. 72. Got C-3 Phase II? Writers of variable annuities are ably employing this complicated capital reserves regulation, despite lengthy instructions and even longer computer run times. December, p. 70. Hot Liability. Recent pro-plaintiff developments in welding fume fume Occupational medicine A solid suspension resulting from condensation of the products of combustion. See Inhalant Vox populi verbTo be in the midst of a mental mini-meltdown. litigation have put welding companies and insurers on the alert. April, p. 98. Insurance Auditors and Actuaries of North America North America, third largest continent (1990 est. pop. 365,000,000), c.9,400,000 sq mi (24,346,000 sq km), the northern of the two continents of the Western Hemisphere. . A.M. Best Special Report Excerpt. January, p. 29. It Means What It Says. Not all lawsuits for unsolicited faxes are covered by insurance. July, p. 75. On Guard. New rules require life insurers to establish programs to prevent their products and services from being used for money laundering The process of taking the proceeds of criminal activity and making them appear legal. Laundering allows criminals to transform illegally obtained gain into seemingly legitimate funds. or terrorist financing  The of this article or section may be compromised by "weasel words".You can help Wikipedia by removing weasel words. . April, p. 79. On the Hill. Congress faces significant health insurance and regulatory reform Regulatory Reform concerns improvements to the quality of government regulation. At the international level, the "OECD Regulatory Reform Programme is aimed at helping governments improve regulatory quality -- that is, reforming regulations that raise unnecessary obstacles to bills in September. September, p. 103. Regulator Yearbook: The 2006 Insurance Commissioners. February, p. 51. Running on Faith. For disability insurers, the Good, the Bad and the Ugly of bad faith litigation depends on how well they investigate an insured's claim. June, p. 87. Sharing Secrets. The "common interest" doctrine is the key to whether an insurer is entitled to receive privileged communications PRIVILEGED COMMUNICATIONS. Those statements made by a client to his counsel or attorney, or solicitor, in confidence, relating to some cause Or action then pending or in contemplation. 2. Such communications cannot be disclosed without the consent of the client. between a policyholder and defense counsel. March, p. 64. Silver Lining silver lining n. A hopeful or comforting prospect in the midst of difficulty. [From the proverb "Every cloud has a silver lining". . "Co-logo contracts" can help health insurers glide through the clouds enveloping en·vel·op tr.v. en·vel·oped, en·vel·op·ing, en·vel·ops 1. To enclose or encase completely with or as if with a covering: "Accompanying the darkness, a stillness envelops the city" Medicare Part D. November, p. 61. State Elections. The outcome of November's U.S. elections should shape the course of insurance for years. October, p. 26. Storm Surge storm surge: see under storm. . Nearly a year after Hurricane Katrina, Gulf Coast courts are beginning to weigh in on homeowners flood claims. August, p. 81. Super Regulator at Work. United Kingdom's Financial Services Authority The Financial Services Authority ("FSA") is an independent non-departmental public body and quasi-judicial body that regulates the financial services industry in the United Kingdom. Its main office is based in Canary Wharf, London, with another office in Edinburgh. adjusts to its broadening role. February, p. 47. Take a Good Look at Yourself. Follow these six steps when investigating alleged business misconduct. October, p. 115. The New Frontier New Frontier President John F. Kennedy’s legislative program, encompassing such areas as civil rights, the economy, and foreign relations. [Am. Hist.: WB, K:212] See : Aid, Governmental . Global trade integration opens new territory for multinational insurers. August, p. 32. * Where WTO See World Trade Organization. Goes. August, p. 34. The New Scrutiny. Insurers are facing additional pressure to prove they have adequate internal and external financial controls in place. January, p. 22. * SOX in a BOX. January, p. 23. * The Leaders. January, p. 24. The Question of Collateral. Reform of current U.S. collateral requirements should be one of many steps the industry takes to modernize reinsurance regulation to achieve open global markets on fair terms. September, p. 70. The Question of Collateral. Relaxing U.S. collateral requirements is directly at odds with the regulatory objectives of adequate capacity, affordable coverage, market stability, and most importantly Adv. 1. most importantly - above and beyond all other consideration; "above all, you must be independent" above all, most especially , insurer solvency. September, p. 70. The Right Focus? Emerging approaches to measuring risk and managing capital enhance solvency. Will they do the same for shareholder value? October, p. 114. Tied Down. Despite a recent overhaul, insurance company insolvency laws are still mired mire n. 1. An area of wet, soggy, muddy ground; a bog. 2. Deep slimy soil or mud. 3. A disadvantageous or difficult condition or situation: the mire of poverty. v. in redundancy and high costs. June, p. 85. * A Case for Uniformity: Insurance Is Not a Hamburger. June, p. 86. Trusting in Nature. Some courts are relying on the laws of nature, not policy time-limit provisions, to determine when an insured's injuries become disabling. December, p. 75. Way Out 'West'. When a company is scammed, who pays the insurance? January, p. 84. Reinsurance/Capital Markets A Custom Mix. A growing number of insurers are adding product liability considerations to create stronger investment management process. December, p. 87. A Secure Package. Life insurers are becoming more creative in designing securitization Securitization The process of creating a financial instrument by combining other financial assets and then marketing them to investors. Notes: Mortgage backed securities are a perfect example of securitization. May also be spelled as "securitisation. transactions to fund a variety of objectives. September, p. 57. * Parties to the Transaction. September, p. 58. Agreeing to Disagree. In a Best's Review roundtable about U.S. collateral requirements, reinsurers clash on U.S. regulation, but unite on the need for universal rules. December, p. 33. Doing Something About Weather. Weather derivatives Weather derivatives are financial instruments that can be used by organizations or individuals as part of a risk management strategy to reduce risk associated with adverse or unexpected weather conditions. have helped companies control financial risk for nearly a decade. Now that they're trading on a mercantile exchange, sales are really taking off. April, p. 88. * Weather Extremes Fuel Interest in Weather Derivatives. April, p. 90. Face to Face. The forthcoming Reinsurance Directive will be a factor as renewal talks begin in Monte Carlo Monte Carlo (môNtā` kärlō`), town (1982 pop. 13,150), principality of Monaco, on the Mediterranean Sea and the French Riviera. in September. August, p. 37. Flirting with Disaster, 2006 may seem like a quiet year for catastrophes so far--there have been no Katrinas, Ritas or Wilmas--but natural catastrophes don't need a first name in order to wreak disaster. November, p. 62. Follow the Money. A look at how U.S. life/health insurers' investment strategies have fared since 1995. October, p. 99. Full Speed Ahead. Insurers shouldn't fear the roadblocks currently inherent in securitizing Triple-X reserves. They can be crossed, and the trip is worth the effort. June, p. 78. Going It Alone. In an age when most life reinsurance is sold by multiline companies, and the number of pure life reinsurers serving the U.S. market has shrunk, the few remaining players are going strong and a new player has joined them. August, p. 83. Growing Up Fast. The five largest insurers formed in Bermuda in 2001 have survived their first major losses--due to Hurricanes Katrina, Rita and Wilma--and are now tasting their first softening market. October, p. 63. Guidance Department. Reinsurance brokers can help insurance companies successfully manage rapid growth. November, p. 39. * Rapid Growth Scenarios. November, p. 40. Hamilton Bound. The flow of capital to Bermuda makes London take notice. May, p. 90. Hot Cat Contracts. Industry loss warranties Industry Loss Warranties, often referred to as ILWs, are a type of reinsurance or derivative contract through which one party will purchase protection based on the total loss arising from an event to the entire insurance industry rather than their own losses. are growing in popularity as insurers look to balance their risks and fill in gaps in traditional catastrophe coverage. April, p. 59. Inside the Box. "The Room" at Lloyd's moves to a timeless rhythm. July, p. 97. Insurance Assurance. Premium financing Premium Financing involves the lending of funds to a person or company to cover the cost of an insurance premium. Premium finance loans are often provided by third party finance entity known as a "Premium Financing Company"; however insurance companies and brokerages occasionally provides both a safety net for insureds and client service for agents and brokers. March, p. 89. * Premium Finance Fundamentals. March, p. 91. Investment Assessment. A look back at how property/casualty insurers' investment strategies have fared since 1999. February, p. 30. More Risk, More Reward. The catastrophe bond catastrophe bond A debt security with a payoff tied to the relative severity of a natural disaster such as a hurricane or earthquake. Bondholders are paid with insurance premiums but may have to accept reduced principal repayment in the event the specified business is booming this year, as insurers and reinsurers securitize Securitize The practice of a company selling accounts receivables or other debts owed to it. The third party that buys the debt assumes ownership of it and the responsibility for collecting the debts, and keeps the repayments when made. greater amounts of risk at lower layers. July, p. 61. * Sidecars and Cat Bonds. July, p. 62. New Ventures, New Vehicles. A number of reinsurers have found innovative ways to team up with hedge funds and other investors to tap into fresh capacity while taking some risk off their books. May, p. 54. Private Equity Eyes Insurance. Investments in the insurance industry are booming as investors flush with capital look for new ways to invest it. June, p. 43. Reinsurance Waltz. Hurricane Katrina, skepticism about modeling, and continuing state and federal investigations are giving annual reinsurance negotiations some new turns. January, p. 73. Saved by the Light. Regulators and the industry hope that new disclosure requirements will eliminate shady finite reinsurance Finite Reinsurance A type of reinsurance that transfers over only a finite or limited amount of risk. Risk is reduced through accounting or financial methods, along with the actual transfer of economic risk. contracts and keep the product viable. January, p. 58. * Additional Disclosure. January, p. 59. Singled Out. The hard property market and improvements in technology have led to dramatic increases in the facultative reinsurance market for catastrophe-exposed commercial business. September, p. 88. Tale of Two Markets. The buyer's level of U.S. catastrophe exposure has much to do with the price of reinsurance this year. March, p. 23. The Allure of Securitization. Securitizations are a hot new trend as life insurers seek access to cheaper and more reliable sources of capital. July, p. 66. Worst-Case Scenarios. Reinsurers and insurers are taking steps to deal not only with mega-catastrophes, but also with individual catastrophes that might strike at the same time. March, p. 68. * The Day After Tomorrow. March, p. 70. Risk Management Enduring a Flu Pandemic pandemic /pan·dem·ic/ (pan-dem´ik) 1. a widespread epidemic of a disease. 2. widely epidemic. pan·dem·ic adj. Epidemic over a wide geographic area. n. . Life/health insurers and reinsurers, who know a lot about risk management, believe they will be able to manage and emerge from a severe avian flu avian flu: see influenza. pandemic better than other businesses. June, p. 38. * Different Approach for Small Direct Writers. June, p. 40. ERM Report Card. Does Enterprise Risk Management really deserve all the attention it's been getting? October, p. 112. Katrina: Why Risk Management Failed. The record insured losses from Hurricane Katrina show that insurance companies need more discipline in managing risk assumption. June, p. 34. * Key Steps to Revamp Your Company's Risk Governance. June, p. 35. Preparing for the Worst. Risk managers are flocking to the annual Risk and Insurance Management Society's conference to discuss hot topics including pandemics, wild weather and terrorism. April, p. 40. Technology A Global Future. Research shows the need to break away from old operational models for many aspects of insurance. April, p. 70. A New Frontier. Virtualization An umbrella term for enhancing a computer's ability to do work. Following are the ways virtualization is used. Hardware Virtualization Partitioning the computer's memory into separate and isolated "virtual machines" simulates multiple machines within one physical computer. is beginning to find its place in the insurance industry. June, p. 82. A Strategic Approach. Dynamic Enterprise Performance Management is a tool to help drive profitability. September, p. 92. A Whole New World. E-Fusion participants explore innovative technologies and new uses for old ones. December, p. 40. * E-Claim.com LLC (Logical Link Control) See "LANs" under data link protocol. LLC - Logical Link Control Receives Claims Management Award. December, p. 42. * Oceanwide Inc. Recognized in Customer Management. December, p. 43. * VantisLife Insurance Co. Receives L/H Agent Award. December, p. 44. * Royal & SunAlliance Canada Receives P/C Agent Award. December, p. 45. * Homesite Group Inc. Receives Underwriting and Pricing Award. December, p. 46. * Selective Insurance Receives Productivity Management Award. December, p. 47. At Your Service. Service-oriented architecture See SOA. is a tool for the adaptive enterprise. February, p. 72. Calling to me Outside. For the first time, insurers' spending on external technology solutions is expected to outpace out·pace tr.v. out·paced, out·pac·ing, out·pac·es To surpass or outdo (another), as in speed, growth, or performance. outpace Verb [-pacing, internal IT spending. January, p. 45. Connecting.... Merging insurers have found new ways to coax disparate information systems to communicate. May, p. 24. Digital Rescue. How three insurers used technology to solve underwriting problems, including speed, pricing and accumulation of risk. February, p. 68. Enabling Human Resources The fancy word for "people." The human resources department within an organization, years ago known as the "personnel department," manages the administrative aspects of the employees. . Technology is a key component to helping improve the return on human capital. November, p. 79. Enterprise Mobility. Practice allows insurers to blend convergence, collaboration and management. December, p. 50. From me Ground Up. Three insurers share the importance of project management and the critical steps they took to complete their technology-driven projects successfully. July, p. 68. * Avoiding Failure. July, p. 70. In or Out? With technology to establish the reality of events, as a society, are we ready to examine the consequences of these capabilities? October, p. 62. In the Palm of Your Hand, Mobile wireless technologies are helping agents and adjusters to be more efficient and also meet the demands for real-time service. March, p. 57. * In the Beginning. March, p. 58. Keep Up With the Changes. A survey of IT executives reveals how technology is the competitive sweet spot in the global financial market. September, p. 62. Linking for Fewer Losses. Insurers need integrated data to prepare for the changing nature of catastrophic loss. May, p. 63. Living Up to the Hype. Insurance CEOs see significant competitive advantages--and a new role for CIOs--as technology aligns with business. August, p. 41. Modeling After the Big One. Applying lessons from the 2004 and 2005 hurricane seasons, catastrophe modelers have changed their products and insurers have changed how they use them. October, p. 57. * A Useful Tool. October, p. 60. Plugging the Leak. Insurers are spending too much of their premium dollars on inefficient claims adjusting, but they can improve the process and their profitability. August, p. 91. Ready, Set, Go? Most health plans agree that migration to a new coding system--ICD-10--is a step in the right direction, but they fear a proposed 2010 deadline is too soon and could have costly effects on the industry. November, p. 46. * Technology Trauma. November, p. 48. Retirement Wave. Technology aids in addressing the challenge of an aging work force. March, p. 86. Secrets to Successful Commercial Segmentation. Commercial insurers are beginning to develop customized predictive risk models, operationalize the models and harvest the business benefits. July, p. 86. Shifting IT Success Factors. Organizational strategy is as important as the technology strategy. January, p. 50. Striving for Simplicity. "Industrialized in·dus·tri·al·ize v. in·dus·tri·al·ized, in·dus·tri·al·iz·ing, in·dus·tri·al·iz·es v.tr. 1. To develop industry in (a country or society, for example). 2. " strategies reduce costs and accelerate growth. July, p. 71. Tag, You're It. Radio frequency identification See RFID. technology may soon help insurers track documents, stolen items, patients, medical histories, prescription drug use and more. June, p. 47. * RFID (Radio Frequency IDentification) A data collection technology that uses electronic tags for storing data. The tag, also known as an "electronic label," "transponder" or "code plate," is made up of an RFID chip attached to an antenna. vs. Bar Coding. June, p. 48. * Radio Frequency ID: Fast Facts. June, p. 50. Taming the Cells. Automated spreadsheet control can help insurers breeze through regulatory compliance standards. March, p. 84. Technology Talent Management. Savvy business leaders must develop strategies to keep IT talent. May, p. 67. The Changing Face of Online Distribution. Internet insurance marketing has evolved from being aggregator-driven to being carrier-driven. April, p. 66. * Successful Online Sellers. April, p. 67. The Makeup of ERM. Extreme computing and big data are the DNA DNA: see nucleic acid. DNA or deoxyribonucleic acid One of two types of nucleic acid (the other is RNA); a complex organic compound found in all living cells and many viruses. It is the chemical substance of genes. of enterprise risk management systems. August, p. 46. Terrorism On Alert. Wary insurers weigh modeling and reinsurance options against elevated terrorism risks. September, p. 29. Saying No. A Best's Review survey reveals insurers and agents are declining terrorism coverage in urban, high-risk areas. September, p. 35. Covering the Unthinkable. In today's world, no insurance package is really complete without terrorism insurance Terrorism insurance is insurance purchased by property owners to cover their potential losses and liabilities that might occur due to terrorist activities. It is considered to be a difficult product for insurance companies, as the odds of terrorist attacks are very . February, p. 80. The Last Word A Drop in the Bucket. By writing against the risk of drought and starvation, one reinsurer re·in·sure tr.v. re·in·sured, re·in·sur·ing, re·in·sures To insure again, especially by transferring all or part of the risk in a contract to a new contract with another insurance company. is offering both hope and self-reliance to a Third World nation. August, p. 112. A Bigger Bang. For recent Independence Day celebrations, sponsoring organizations have been requiring pyrotechnics pyrotechnics (pī'rōtĕk`nĭks, pī'rə–), technology of making and using fireworks. Gunpowder was used in fireworks by the Chinese as early as the 9th cent. companies to carry higher limits of insurance coverage. July, p. 104. Advertising in the Sky. Horizon Blue Cross Blue Shield Blue Shield A US not-for-profit health care insurer that is a reimbursement intermediary for physicians. Cf Blue Cross. of New Jersey's blimp blimp: see airship. is soaring across the state to market the company and the importance of health care. September, p. 112. Automotive Feng Shui Feng shui Traditional Chinese method of arranging the human and social world in auspicious alignment with the forces of the cosmos, including qi and yin-yang. It was devised during the Han dynasty (206 BC–AD 220). . Applying the principles of an ancient practice may improve the safety of modern cars and drivers. June, p. 96. Broker-Backed 'Mountains'. Brokers and insurers backed the making of such Golden Globe winners
Custer's Last Policy. General George Custer's life insurance policy is now on display at the fort he called home before the Battle of Little Bighorn Little Bighorn, river, c.90 mi (145 km) long, rising in the Bighorn Mts., N Wyo., and flowing north to join the Bighorn River in S Mont. On June 25–26, 1876, Sioux and Cheyenne warriors defeated the forces of Col. George Custer in the Little Bighorn valley. . November, p. 96. First Aid in Right, A growing number of medevac med·e·vac n. 1. Air transport of persons to a place where they can receive medical or surgical care; medical evacuation. 2. A helicopter or other aircraft used for such transport. v. helicopters are used for medical evacuation, but the air ambulances also carry a host of liabilities. December, p. 104. Illustrations of Life. Norman Rockwell's contract with Massachusetts Mutual Life Insurance Co. led to 81 pieces of art. February, p. 104. Into the Night. Halloween means haunted houses, where liabilities that lurk To view the interaction in a chat room or online forum without participating by typing in any comments. See de-lurk. lurk - lurking in dark corners have many operators running for cover. October, p. 120. Outstanding in His Field. Gene Gantz has been honored for spending more than four decades promoting crop insurance. April, p. 104. Under the Big Top. Circus liability insurance makes sure the show goes on. January, p. 104. United We Stand. "Cover the Uninsured Week" will bring together a variety of supporters across the United States in the fight against the nation's uninsured problem. May, p. 104. The Year Ahead A Unique Momentum. Top 10 Insurance News Stories of 2005. January, p. 31. Staying Strong. As insurance leaders approach 2006, they are analyzing and extrapolating the events of 2005, probing the causes of the problems and figuring out how to move the industry forward. January, p. 37. Workers' Compensation workers' compensation, payment by employers for some part of the cost of injuries, or in some cases of occupational diseases, received by employees in the course of their work. Breaking Borders. Some state workers' compensation funds have expanded beyond their original intent--and state borders--to write business in other states, and even to write other lines of business. November, p. 68. * State Funds--A Strange Breed. November, p. 70. The Empire Slate Strikes Back. In trying to fix troubled workers' compensation systems, New York and other states can learn from California and Pennsylvania. August, p. 104. |
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