EY - Ernst and Young

American Amicable – Horizon Life Insurance

  • 2004 12 – Best’s Review – Selling to Soldiers: Allegations of inappropriate sales of insurance and investments on military bases may forge a stronger partnership between the insurance industry, state regulators and the Department of Defense, by Ronald J Panko – 8p
    • 2005 0201 – Best’s Review – Letter to the Editor – Lanny Peary, President, Chief Executive Officer, American Amicable Life Insurance Company of Texas – [link]
  • 2005 1117 – GOV (Senate) – A Review of the GAO Report on the Sale of Financial Products to Military Personnel, Richard Shelby (R-AL)  —  [BonkNote]
  • 2006 0804 – NP – DeseretNews – Firm that targeted servicemen settles, by Associated Press – [link]  
  • 2006 1128 – NP-  Insurance companies to pay back GIs for deception, By Elaine Wilson, American Forces Press Service – [link]
  • 2010 0823 – insurance-forums.com – by Green Sky (Rick) – insurance-forums.com/community/threads/term-life-w-annuity-rider.23570/#post-295555
    • This product used to be written by American Amicable. It was called Horizon Life.
    • A 20 year, 7 pay term. ROP at end of 20 years.
    • Had a side fund account that although it was not tax deferred, it would grow at a guaranteed 4% (formerly 6%).
    • Not a bad product for accumulation.
    • I actually know one agent who has this product for himself.
 
  • 2006 – LC – SECURITIESAND EXCHANGE COMMISSION vs. AMERICAN-AMICABLE – LIFE INSURANCE COMPANY OF TEXAS; PIONEER AMERICAN INSURANCE COMPANY; and PIONEER SECURITY LIFE INSURANCE COMPANY
    • sec.gov/enforcement-litigation/litigation-releases/lr-19791
      • Pursuant to the settlement, American-Amicable will discontinue sales of Horizon Life and will terminate the deceptive sales program, which it called the “Building Success” system.
      • Although the written materials ultimately provided to investors apparently accurately described the Horizon Life product, the company’s deceptive sales pitch did not.
      • In related matters, Georgia Insurance Commissioner John W. Oxendine and Texas Insurance Commissioner Mike Geeslin announced today a multi-state settlement with American-Amicable alleging violations of state insurance and consumer protection laws, and U.S. Attorney Patrick L. Meehan of the Eastern District of Pennsylvania announced the filing of a complaint, settlement and proposed consent decree with American-Amicable alleging civil claims of wire and mail fraud.
    • COMPLAINT – 9p

Primerica – TimeLine

  • 2017 1218 – Letter – TINA.org to Primerica – re: Deceptive Marketing for Primerica Business Opportunity, Truth In Advertising – 1p
  • 2020 0506 – Letter – TINA.org to DSSRC – Re: Illegal Income Claims by Primerica, Truth in Advertising, Direct Selling Self-Regulatory Council – 11p
  • 2021 – BBB National Programs – Primerica – Case #31-2021 – NGO Inquiry – [link]
  • 2021 – BBB National Programs – Primerica – Case #31-2021 – NGO Inquiry – 18p
    • Basis of Inquiry
      • In this instance, a non-profit, non-governmental advocacy group1 identified to DSSRC certain core income messages disseminated in certain communications by representatives of the Company, or, in some instances, by the Company, that the NGO believes overstated the Company’s business opportunity to potential representatives.
        • The NGO focused its inquiry on core express and implied messages of earnings and lifestyle benefits arising from participation in the Company’s business opportunity that were communicated by the Company or certain of its representatives.2
      • 1 Tina.org
      • 2 The NGO called DSSRC’s attention to approximately 150 examples of social media posts in its database.
  • 2021 0120 – BBB National Programs – DSSRC Recommends Primerica Discontinue or Modify Certain Business Opportunity Claims – [link]
  • 2023-2024 – LC – Primerica vs Marco Moukhaiber – Always Marco  —  [BonkNote]
  • 2023 – Infiltrating a Pyramid Scam: Primerica by AlwaysMarco – [VIDEO-YouTube-42:34]
  • 2023 – Coffeezilla / The High Vibration Congregation – @AlwaysMarco Got Sued…AGAIN! Here’s Why! – [Primerica] – [VIDEO-YouTube-13:55]
  • 2024 0418 – Report – The Bear Cave – Problems at Primerica (PRI), by Edwin Dorsey  —  [BonkNote]  —  [link]

Primerica vs. Marco Moukhaiber - [Always Marco]

  • 2023 1201 (as of) - Docket - Procedure Record - 1p
  • 2024 0510 (as of) - Docket - Procedure Record - 2p
  • 2024 0620 (as of) - Docket - Procedure Record - 3p
  • 2024 0908 (as of) - Docket - Procedure Record - 3p
  • 2023 0720 - LC - Statement of Claim - Injunction - Primerica - Marco Mouhkaiber - [Always Marco]  ---  [BonkNote]  ---  12p
    • Notice to Defendant - You are being sued. You are a defendant. 
  • 2023 0720 - Notice of Application - Interm Injunction - 9p
  • 2023 0720 - Affidavit - Mark Beauchamp - Primerica - 11p
  • 2023 0720 - Affidavit - Angela Kaiser - Primerica - 2p
  • 2023 0720 - Urgent Request Form - Primerica - 4p
    • Describe why your request is urgent, include efforts to resolve this matter with the opposing party and their response to this request (if applicable) (brief Description): 
    • This request comes with urgency and importance due to the scope and global reach of the Respondent's defamatory videos and social media posts, in breach of the Trademarks Act, the Copyright Act and the Competition Act. Since they were posted, the number of views of these posts have increased significantly across various platforms, and continues to increase daily, resulting in further irreparable harm to the Applicants' reputation, goodwill and business interests.
      • Despite several cease-and-desist letters from Primerica's counsel, the Respondent continues to create and release damaging Primerica related content, and has threatened to post additional harmful content and undertake continue to harass the Applicants.
  • 2023 0724 - Order for Injunction - Justice / Master - R.A. Graesser, J.C.K - 5p
  • 2023 0919 - Statement of Defence - AMarco - 3p 
  • 2023 1002 - Affidavit - William W. Keep - 173p
    • [Bonk: On the surface this appears to be the same Document as the 1129 Document. I have both. Does anyone know if they are the same or different?]
  • 2023 1129 - Affidavit - William W. Keep  ---  [BonkNote]  ---  173p
  • 2023 1129 - Affidavit - Marco Moukhaiber - [Always Marco]  ---  [BonkNote]  ---  118p
  • 2023 1129 - Affidavit - Douglas M. Brooks  ---  [BonkNote]  ---  39p
  • 2023 1129 - Affidavit - Robert L. Fitzpatrick  ---  [BonkNote]  ---  79p
  • x - 2024 0213 - Correspondence - Hearing - 05MAR2024 - COM  - HRD - COM / CRTRM / CLK / WE - J.S. Little, J.C.K. 
  • XX - 2024 0226 - Affidavit - Devyn Ens - Marco Moukhaiber - [Always Marco] - NC - 51p
    • 10 - Order
    • 15 - 2023 0720 - Statement of Claim - Primerica
  • XX - 2024 0228 - Affidavit - Marco Moukhaiber - [Always Marco] - NC - 3p
  • [ ] - 2024 0228 - Brief - Marco Moukhaiber - [Always Marco] - NC
  • --- - 2024 0228 - Correspondence - Urgent Filing Request-C - Marco Moukhaiber - [Always Marco] - N&C - 1p
  • XX - 2024 0228 - Application - AMND05MAR2024 COM - AMENDED APP - Marco Moukhaiber - [Always Marco] - N&C - 3p
    • [Depositions - In Person vs Remote - Conduct Money]
    • 15. The Defendant, at enormous personal cost, given the significant disparity in resources between the parties, has mounted a defence to the injunction application  However, the Plaintiffs' lack of cooperation means this matter has not proceeded hearing. The Defendant is seeking a direction from the Court on the procedural issues that are outstanding in this matter to ensure this application can proceed to hearing as expeditiously as possible.
    • Material or evidence to be relied on:
  • XX - 2024 0301 - Affidavit - Kelly Marier - Primerica - Primerica vs. Marco Moukhaiber - [Always Marco]   ---  [BonkNote]  ---  226p
  • XX - 2024 0301 - Brief - Primerica - Primerica vs Marco Moukhaiber - [Always Marco]  ---  [BonkNote] ---  58p
  • 2024 0412 - W/Out Notice App Justice - OHH
  • x - 2024 0416 - Order Attend Questioning - Marco Moukhaiber - [Always Marco] - J. s. LITTLE, J.C.K.B - OHH
  • 2024 0416 - Order Regarding Costs - Cont - TO BE SPOKEN TO - OHH
  • XX - 2024 0503 - Affidavit - Marco Moukhaiber - [Always Marco] - NC - 48p
  • -- - 2024 0506 - Hearing Set - No Corres - 10JUN2024 - Com -  COM/CRTRM/CLK/WE - M.J. LEMA, J.C.K.B. -
  • XX - 2024 0506 - Application - Primerica - 10JUN2024 - VARY TERMS/CONTEMPT - OHH - 24p
    • The Injunction Order Must be Varied
      • 40. As a result of the foregoing conduct, Primerica seeks to vary the Injunction Order to include the following terms:
        • (a) Mr. Moukhaiber must immediately remove the New Primerica Videos and any online content posted by Mr. Moukhaiber reproducing, promoting, or mentioning the New Primerica Videos in any way;
        • (b) Directing YouTube to remove the Primerica Videos, the New Primerica Videos, and any content posted by Mr. Moukhaiber or any other party reproducing the Primerica Videos and New Primerica Videos in whole or in part, upon request by counsel for Primerica;
        • (c) Mr. Moukhaiber must immediately un-block counsel for Primerica, under any user name whatsoever, from his social media accounts, including YouTube, Instagram, Discord, and any other account for which he has blocked Primerica's counsel.
  • XX - 2024 0503 - LC - Affidavit - Kelly Marier - Primerica - Primerica vs. Marco Moukhaiber - [Always Marco]  ---  [BonkNote]   ---   29p
  • - DESK APPLICATION - WITHOUT NOTICE - 1p

A.L. Williams - Media

1970s

1980s

  • 1980 1116 - NP - Fort Lauderdale News - A.L. Williams Grows Despite Controversy, by Karen Southwick  ---  [BonkNote]  ---   [link-Part 1-p39-newspapers.com]  ---  [link-Part 2-p42-newspapers.com]
  • 1981 0118 - NP - The Palm Beach Post - Policy Warfare: Term vs. Whole Life, by Leonard Sandler  ---  [BonkNote]   --- [link-Part 1-newspapers.com]   ---   [link-Part 2-newspapers.com]
  • 1986 0511 - NYT - Crusading for Term Life Insurance [A.L. Williams], By Thomas C. Hayes - [link] ---  [permalink]
    • ''The life insurance industry has ripped off the public by complicating what is really a simple business - protection of the family breadwinner,'' said Mr. Williams. 
  • 1987 0601 - CNN / Money - The Mess Called Multi-Level Marketing With celebrities setting the bait, hundreds of pyramid-style sales companies are raking in millions, often taking in the gullible, (MONEY Magazine), By Richard Eisenberg - [link] - https://money.cnn.com/magazines/moneymag/moneymag_archive/1987/06/01/83883/index.htm
    • Speaking at a recent A.L. Williams satellite hookup, national sales director Bill Anderton shunned discussion of recruiting. ''It has the multilevel marketing image I don't feel comfortable with,'' he said. ''We call it associate development."
  • 1988 0128 - NYT - A.L. Williams Sets Tie With Primerica - [link]
  • 1989 0901 - NP - The Atlanta Constitution - Calif. Won't Punish A.L. Williams Unit, by Peter Mantius  ---  [BonkNote]

1990s

  • 1990 0930 - NYT - Stubbing a Toe on Primerica, By Diana B. Henriques  ---  [BonkNote]  ---  [link]
    • The stock market, to judge by the drubbing the company's shares have taken in the past two months, thinks that Primerica is a poor bet, in part because of emerging problems at the A. L. Williams unit.
    • One thing that worries Mr. Picoult is the unfolding drama at Williams, which Primerica purchased in 1988 from its controversial founder and self-styled ''coach,'' Art Williams.
    • For years, Mr. Williams's aggressive selling style has made him a hero to his 190,000 agents and a thorn in the flesh of his industry rivals. After the Primerica buyout, he stayed on as a sales consultant and de facto leader of the insurance operation, which produces almost a quarter of Primerica's profits.
    • On July 20, Mr. Williams stunned his followers by tearfully announcing that he was taking a leave of absence to deal with a Federal grand jury investigation in Florida.
      • The probe, according to the company, focuses on allegations of unspecified ''bad practices'' by a Williams marketing unit; others involved in the case say prosecutors are examining whether Mr. Williams or his associates played a role in fraudulently undermining a rival's business.
    • Primerica's fans among Wall Street analysts say the A. L. Williams issue is an ''aberration'' and ''an irrelevancy.'' But Mr. Picoult points out that Primerica's promising plan to use Mr. Williams's aggressive disciples to sell the products and services of other subsidiaries, including Commercial Credit, could be derailed by the current turmoil.
    • Moreover, he said, ''one wonders whether the United States Attorney's investigation could lead to review of the A. L. Williams operation in other jurisdictions by various state insurance departments, given past complaints about the company.''
  • 1990 1111 - NP - Asbury Park Press - The A.L. Williams Insurance Crusade, by Ames Alexander  ---  [BonkNote] 
  • 1990 1111 - NP - Asbury Park Press - This Isn't Just Insurance: When A.L. Williams Pitches, Agents Listen, by Ames Alexander  ---  [BonkNote]
    • The sales troops have been without their leader since July, when Williams announced that he was taking a leave of absence to cooperate with an FBI investigation into his unorthodox insurance sales firm.
    • With no formal business education or corporate management experience, Williams formed his own insurance agency in 1977, teaming up with Charles D. "Boe" Adams, who was earlier convicted of stock and land fraud.
    • Williams now refers to Adams as the "genius" behind the operation.
    • Outside his Atlanta office, Williams reportedly kept a life-size portrait of Adams, bearing the inscription "The Mastermind."
  • 1990 1111 - NP - Asbury Park Press - States Cry Foul: A.L. Williams Has Had Several Run-ins with State Insurance Regulators Across the Country, by Ames Alexander  ---  [BonkNote] 
  • 1990 1111 - NP - Asbury Park Press - Working for A.L. Williams: Like Cult or just job?, by Ames Alexander  ---  [BonkNote]
    • Steven Hassan
    • 1988 - Book - An exposition of A.L. Williams: Cult or crusade?, by Robert M. Michael - <WishList>
  • 1993 07 - Business Atlanta - Prime's time: A.L. Williams is nowhere in sight but his "crusade" goes on under the Primerica banner, and the insurance establishment isn't amused, by Shelley A. Lee, Vol. 22, Iss. 7, 44. - [link-<WishList>]
    • The new Primerica Financial Services is a company that, three years after Williams sold it to Primerica, walks a fine line between the oft-derided "commercial cult" pathos of its past and the powerful corporate-America ethos of its future.
  • 1994 0501 - NYT - Mischief Under the Travelers Umbrella, By Michael Quint - [link]
    • "Over the years since Sandy Weill took charge, we have heard talk of cleaning up the old A. L. Williams image," said Alan Press, who, while a competitor as a principal in Press, Fishman & Rappaport, a New York insurance agency, is also a well-known expert on life insurance and a former head of the National Association of Life Underwriters. "But there has never been a fundamental commitment to cleaning up the act." 


A.L. Williams – Pyramid Scheme

  • [Investigations]
  • Always Marco – YouTube – Social Media – Primerica – [BonkNote]
  • FBI – Federal Bureau of Investigation
    • 1990 1111 – Asbury Park Press – This Isn’t Just Insurance: When A.L. Williams Pitches, Agents Listen, by Ames Alexander  —  [BonkNote]
  • Insurance Commissioners – States
    • 1982 0106 – NP – The Charlotte News – N.C. checks insurance firm after ‘pyramid’ questions – [A.L.Williams ] —  [BonkNote]
  • Joseph Belth – Primerica
  • 2018 – ArtWilliamsBest – Art Williams Greatest Hits from Highlands 2018 – Part 2 – [VIDEO-YouTube-01:14:30]
    • 55-56:45 – I’m Sorry You weren’t there when:
      • 30 states investigated us for being a Pyramid. They thought we were a Pyramid.
      • California investigated us for being a Cult.

29 Mar 1982, Mon The Charlotte Observer (Charlotte, North Carolina) Newspapers.com

  • 1990 1111 – Asbury Park Press – This Isn’t Just Insurance: When A.L. Williams Pitches, Agents Listen, by Ames Alexander  —  [BonkNote]
    • The sales troops have been without their leader since July, when Williams announced that he was taking a leave of absence to cooperate with an FBI investigation into his unorthodox insurance sales firm.
    • With no formal business education or corporate management experience, Williams formed his own insurance agency in 1977, teaming up with Charles D. “Boe” Adams, who was earlier convicted of stock and land fraud.
    • Williams now refers to Adams as the “genius” behind the operation.
    • Outside his Atlanta office, Williams reportedly kept a life-size portrait of Adams, bearing the inscription “The Mastermind.”
  • A.L. Williams – Joseph Belth
    • 2016 1207 – Forum 400 – Battle for the Soul of the US Life Industry – [Joseph Belth]  —  [BonkNote]  —  [VIDEO-YouTube-48:28]
      • 33 – A.L. Williams / Primerica
        • North Carolina Department of Insurance Banned Insurance Forum Issue
        • Joseph Belth – We sued the North Carolina Department of Insurance
  • Primerica – Joseph Belth
  • 1982-? – Newspaper – State Probes Atlanta Insurance Firm – [A.L. Williams]  —  [BonkNote]
    • [Bonk: I Found this on GoogleNews in 2014 – This is all I have and I haven’t been able to find it again. I think it’s from 1982 – <WishList?>] 
    • Phil A. Telfer. an associate attorney general, said the firm A.L. Williams may have violated the state’s anti-pyramiding law.
  • 1986 0511 – NYT – Crusading for Term Life Insurance – [A.L. Williams – Joseph Belth], by Thomas C. Hayes- [link]
    • “The indiscriminate replacement of cash-value insurance causes me concern,” said Joseph M. Belth, an insurance professor at Indiana University.
    • A frequent critic of Mr. Williams, Mr. Belth charges in a recent issue of his monthly newsletter that ”what A.L. Williams is doing is wrong for the consumer and represents a disservice to the public.”
      • Mr. Williams dismisses the charge, claiming that Mr. Belth’s criticism is aimed at increasing his newsletter’s circulation in the insurance industry.
  • 1987 1123 – UPI – Former high school football coach; Art Williams ‘He hit this country like a bomb. They didn’t know what hit them.’, By Rhonda Cook – [link]
    • But Belth said there seems to be a high turnover in the A.L. Williams ‘multi-level marketing’ organization, which attracts part-timers because it allows them to make commissions off their sales as well as the sales of anyone they bring into the company.
  • Year-? – Book – The A.L. Williams Replacement Empire: Articles from the Insurance Forum, 1981-1986 
  • 2015 – Book – The Insurance Forum: A Memoir, by Joseph Belth
    • theinsuranceforum.com/pages/topics.html
    • Chapter 5 – [Bonk: The Chapter References the following Insurance Forum Newsletters]
    • 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)

Philip Polkinghorn

  • ?-1986-? – Consultant with Tillinghast, a Towers Perrin Company out of Jacksonville, Florida
    • 1986 – SOA – New Forms of Agency Compensation — Impact On Product Design And Company Profitability, rsa86v12n4a15 – Society of Actuaries – 42p
  • 2013-Current (as of 2024) – Americo – President
  • NAIC
    • 2004 Proceedings of the NAIC 
    • Life and health actuarial subscription 2004 – 2014 Electronic file
    • 2001 Proceedings of the NAIC 
    • 1997 Proceedings of the NAIC
    • 1993 Proceedings of the NAIC 
    • 1992 Proceedings of the NAIC
    • 1991 Proceedings of the NAIC 
    • 1990 Proceedings of the NAIC 
    • 1988 Proceedings of the NAIC
  • LinkedIn – Sheryl J. Moore – [link] 
    • re: 2024 0408 – ThinkAdvisor.com – Clients With Universal Life Need Performance Updates: Elan Moas, By Allison Bell – [link]
    • Comment: Philip Polkinghorn – If you adjust premium at each change in credited rates you should not crash. Insurance is for low frequency and high severity events. If only 10% of houses burned down, would you not insure your house?
    • Christopher Harp – The volume of conversation on this subject makes me want to avoid this space completely.
  • …some people view the UL fund mechanics as an opening of the dividend box…   

—  Philip K. Polkinghorn

1988 – SOA – Update on Universal Life Reserves and Non-Forfeiture Values, Society of Actuaries – 36p

  • I’d like to go through a bit of history and cover some of the challenges that are coming up and see what we might be able to do with them.
    • Let’s start with October 1987, which, in my mind, started a nifty period for the annuities — the “golden age,” as I would call it.
    • There was a period of time, 1985 through most of 1987, when single premium fixed life insurance and single premium variable life insurance were really coming on strong.
      • These products were offering the potential for tax-free income through wash loan features, and the indication was that the SPDA product was going to be left behind. Things changed rather abruptly – within a two-week period.
      • There was a 500-point Dow Jones decline in October of that year, and a big challenge emerged on the tax front with Stark and Rostenkowski. Ultimately, a year later, the tax laws were changed to preclude tax-free income through use of the loan feature.
  • So it was back to basics for agents and stockbrokers. The good, old tax-deferred annuity concept wasn’t that bad after all, so they got re-energized.

—  Michael Winterfield

1991 – SOA – Annuity Product Development Update, Moderator: Philip Polkinghorn, rsa91v17n218 – Society of Actuaries – 22p 

  • (p1063) – 14. Disclosure and Sales Illustration Practice
    • The actuarial task force has become aware of two professional actuarial groups which are now studying sales illustrations for life insurance contracts.
      • Presentations on behalf of both these groups were made at the December 1991 actuarial task force meeting.
    • Judy Faucett commented on the work of the Society of Actuaries Task Force for Research on Life Insurance Sales Illustrations under the auspices of the Committee for Research on Social Concerns.
      • She is chair of that Society of Actuaries Task Force. No detailed information on the work of this task force was presented at the April 1992 or the June 1992 actuarial task force meetings.
    • Also studying life insurance sales illustrations is another subgroup of the American Academy of Actuaries Committee chaired by Mr. Polkinghorn.
      • (Please see also Section 13, “Non-Guaranteed Element Annual Statement Interrogatories,” described above.)
      • Attachment One-L is a transmittal letter from Mr. Polkinghorn, with its attachment, forwarding a report that was recently prepared by his committee.
      • The transmittal letter includes comments on the general subject of life insurance illustrations.
      • A report on potential smoothness tests for non-guaranteed cash values was transmitted with this letter, but it was not included as part of this attachment.
      • Mr. Polkinghorn’s transmittal letter requested guidance from the actuarial task force as to whether the smoothness test concept should be pursued further.
      • Mr. Polkinghorn was present at the June 1992 actuarial task force meeting.
      • However, the actuarial task force had only had this material for a relatively short period of time and no position was developed by the actuarial task force regarding the smoothness test.

1992-2B, NAIC Proceedings

Harkin Amendment

  • 2010 1101 – Brokers World – Harkin Amendment Welcome Relief For Indexed Products, By Robert M. Elconin and Eric L. Marhoun – [link]