Veralytic veralytic.com/ theinsuranceadvisor.com/ Barry Flagg triangulumfinancial.com/Barry-D–Flagg,-CFP,-CLU,-ChFC.e87811.htm Universal life: A form of permanent insurance designed to provide flexibility in premium payments and death benefit protection. The policyholder can pay maximum premiums and maintain a very high cash value. Alternatively, the policyholder can make minimal payments in an amount just large enough to cover mortality and other…

Read More

WSJ – Wall Street Journal – WishList 1960s <WishList> – 1967 0905 – WSJ – Insurers Under Fire, Critics Say Practices of Industry Confuse Life Insurance Buyers 1980s <WishList> – 1986 0202 – WSJ – Your Money Matters: Return on Universal Life Insurance Can Be a Lot Less Than Expected – p. 37. 1987 -…

Read More

Q: AIG – Where Did The Money Go? – Securities Lending 2009 0315 – AIG Press Release – AIG Discloses Counterparties To CDS, GIA And Securities Lending Transactions – 6p 2008 – AIG 10k, For the fiscal year ended December 31 – SEC-link-345p 2009 0315 – AIG Press Release – AIG Discloses Counterparties To CDS, GIA And Securities Lending Transactions – 6p 2009 1231…

Read More

Q: Were AIGFP and the AIG Insurance Companies Connected? A disorderly failure of AIG clearly would have placed additional pressures on, and magnified the risks facing, AIG’s insurance subsidiaries. For example, AIG’s insurance subsidiaries had substantial derivatives exposures to AIGFP and were interconnected with the parent company and its unregulated affiliates in a variety of…

Read More

David Parks Fackler David Parks Fackler, the assistant actuary, devised what became known as the contribution plan of dividend allocation. 2012 – SOA – Actuarius to Actuary: Chapter 1 – 19p In a paper read before the insurance commissioners in June last Mr. D. P. Fackler said: Many have grave fears of bad results if the…

Read More

Jim Millstein 2009-2011 – U.S. Department of the Treasury – Chief Restructuring Officer 2008 Financial Crisis 2010 0526 – COP – Hearing – TARP and Other Government Assistance for AIG —  [BonkNote]  — [PDF-241p] – [VIDEO-CSPAN-Parts 4 and 5] 2010 0526 – COP – Hearing – Written Testimony – Jim Millstein (Chief Restructuring Officer U.S. Department…

Read More

Dots – NAIC – Working Groups – 2013 Forward 2. Ensure customer awareness of the likelihood for variability of returns; —  ACLI Letter 2014-, NAIC Proceedings  2017 1106 Life Insurance Buyer’s Guide (A) Working Group Conference Call Attachment Four Life Insurance and Annuities (A) Committee   Brenda Cude (University of Georgia) said the issue of…

Read More

Fair Value Accounting Fair Value? I have always felt that the arguments for failing to carry assets at fair value are weak. (See “Fair-Value-Accounting : What’s in Store?” June Update) The supposed inability to value liabilities on an appropriate basis and the reliance on the long-term nature of these liabilities to justify the ignorance of…

Read More