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Governor Phil Murphy attends ACA enrollment training with the Department of Banking and Insurance on October 30, 2019.(Edwin J. Torres/Governor’s Office)
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California Insurance Commissioner Dave Jones announced the results of the national Multistate Insurance Diversity Survey (MIDS), which tracks supplier and governing board diversity in the insurance industry. Insurance commissioners from five states—California, the District of Columbia, New York, Oregon, and Washington – joined together in a multistate effort to collect information from nearly 800 of the nation's top insurance companies that collectively, account for nearly 70 percent ($1.27 trillion) of the nation’s $1.84 trillion insurance market.
Photography by Jon Cu
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Index-insurance for livestock in the IGAD region Ministerial policy roundtable June 24-26, 2019. (Photo credit: ILRI/Apollo Habtamu)
This was the Scottish Union & National Insurance Companys Offices in 1824. But what is now on the ground floor of this Leeds city centre building?
This book provides a thorough overview of health insurance in the United States, with an emphasis on private insurance.
...at Capel Manor College in Enfield.
NB: the meerkats are not on general view at the college.
I think it has something to do with insurance!
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www.cnbc.com/2022/12/01/how-covid-has-changed-life-insura...
‘It’s a work in progress.’ How Covid has changed the life insurance marketplace
▪ Individual U.S life insurance application activity increased by 3.4% in 2021, following a record-breaking year-over-year growth of 3.9% in 2020.
▪ The industry is still wrestling with mortality assumptions related to Covid-19, and how shifts may affect the life insurance underwriting process.
▪ In the meantime, consumers may see Covid questions on life insurance applications, and experts are stressing why it’s critical to answer truthfully.
As Americans brace for the third winter of the Covid-19 pandemic, many are still grappling with ongoing related health and financial issues — including insurance battles over long Covid treatments and disability claims.
But for the life insurance industry, experts say the long-term effects aren’t yet known.
“It’s a work in progress,” explained Michel Leonard, chief economist and data scientist at the Insurance Information Institute. “There’s not enough statistical data at this point.”
Faced with a staggering loss of life, insurance firms saw payouts soar during the pandemic.
U.S. life insurers paid more than $90 billion to beneficiaries in 2020, a 15.4% increase in payments compared to 2019 — the largest year-over-year jump since the 1918 influenza epidemic, according to data from the American Council of Life Insurers.
Payouts to beneficiaries increased by nearly 11% in 2021, jumping to over $100 billion, the organization’s latest report shows.
The demand for life insurance policies also jumped as consumers rushed to protect loved ones.
Individual U.S life insurance application activity increased by 3.4% in 2021, following a record-breaking year-over-year growth of 3.9% in 2020, according to the MIB Life Index’s 2021 annual report.
However, the life insurance industry is still wrestling with mortality changes and how these shifts may affect the underwriting process.
There’s still ‘uncertainty’ about mortality
Stuart Silverman, principal and consulting actuary at Milliman, an actuarial and consulting firm, said the Covid-19 pandemic has affected the life insurance industry in several ways, as outlined in a paper he co-authored in June.
Two areas of consideration are “mortality assumptions,” which are projections of death rates and the “capital requirements” needed to keep life insurance providers solvent. Both can factor into the price of policy premiums, he said.
While it’s clear mortality rates have increased since the beginning of the pandemic, experts don’t know yet how factors related to Covid like preexisting conditions, compromised mental health or delayed care may affect future assumptions, according to the paper.
“I think there is uncertainty with how this will unfold,” said Silverman, noting there’s “ongoing debate” on many of these points.
How ‘long Covid’ affects mortality assumptions
Future mortality assumptions are murky for those who may be suffering from so-called long Covid, one of the terms used to describe lingering health problems after contracting the virus.
These conditions affect an estimated 7.7 million to 23 million Americans, according to a report released by the U.S. Department of Health and Human Services on Nov. 21.
“It’s really difficult to underwrite for something that you don’t have a clear way to diagnose and define,” said Marianne Purushotham, corporate vice president and head of Limra’s data services.
Overall, the life insurance industry is in a “major data gathering stage,” Purushotham said, collecting information on all the ways Covid may be affecting mortality, including indirect effects like opioid overdoses and suicide rates.
She said one of the “big considerations” is whether impacts will be a long-term trend, noting that companies may not want to change pricing if mortality “settles into where it was pre-Covid.”
“It’s going to take five to 10 years for us to fully understand what patterns we’re starting to see,” Silverman added.
Applications may include Covid questions
While updates to mortality assumptions may take time, experts say life insurance applications have been quicker to change, depending on state regulations.
Consumer advocate Brendan Bridgeland, policy director and staff attorney at the Center for Insurance Research, has noticed Covid questions appearing on life insurance applications since the beginning of the pandemic and expects more in the future. For example, some companies ask questions about your history of testing positive for the disease and if you have a current diagnosis.
“States are still coming to grips with it,” he said. “Companies have been quick to add application questions.
“But I don’t think they’ve been perfected yet,” Bridgeland added.
“While you may not see a vaccine question on a life insurance application yet, it’s more likely two to three years from now,” Bridgeland said. “I can see that on the horizon and I think that’s going to be inevitable,” he added.
“There are very big differences between the questions asked by life insurers right now,” Bridgeland said. “Some make a lot of sense and others are very vague and slightly concerning.”
With a lack of consistency across providers, he worries there’s potential for consumers to misread a question and answer it incorrectly.
If a provider finds inaccuracies, there’s a chance they will return your premiums rather than pay the death benefit to your loved ones, Bridgeland said.
To avoid mistakes, ask for clarification from an insurance broker or the provider, he said. “Just take your time, make sure you understand the questions and answer them truthfully,” Bridgeland said.
Regulatory guidance is pending
In January 2021, the Consumer Federation of America sent a letter to the National Association of Insurance Commissioners, asking the organization to adopt a model rule for life insurance underwriters who may “delay or deny coverage” to applicants who have or have had Covid-19.
Prompted by life insurance underwriting changes in Europe, the Consumer Federation of America requested that the rules be “totally transparent” and “meet standards for reasonability” for applicants who may experience Covid-related delays or denials.
“This rule is also important for current policyholders who may be considering dropping their coverage for a period to save some money to help the family get through the economic consequences of Covid-19,” the letter said. “These policyholders need to know the possible danger of such action.”
The CFA also sent the letter to major life insurance companies, asking for them to “voluntarily make Covid underwriting rules public and reasonable.”
While the NAIC addressed the letter during their spring 2021 meeting, the organization did not have enough information to consider supporting a model rule, a spokesperson for the National Association of Insurance Commissioners told CNBC.
Michael G. Conway Insurance Agency is very involved within the community. We support and participate in many cultural events and festivals throughout Lowell, MA. As part of the community, we take pride in providing quality products with superb service.
Speechless. Just had my house attacked. 3 windows smashed in. [update: This happened around 6:50pm. Checked CCTV - nothing. Suspect done by air-rifle at a distance of 30 feet or more. I have not knowingly upset anyone! Waiting for police to call back.. .we are just shook up. Insurance called.. waiting for repair
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Gloucester, Massachusetts
Auger Insurance was later purchased by John J. Walsh Insurance Co.
SNHP-136
Citation: The Salem News Historic Photograph Collection,
Salem State University Archives and Special Collections, Salem, Massachusetts
California Insurance Commissioner Dave Jones announced the results of the national Multistate Insurance Diversity Survey (MIDS), which tracks supplier and governing board diversity in the insurance industry. Insurance commissioners from five states—California, the District of Columbia, New York, Oregon, and Washington – joined together in a multistate effort to collect information from nearly 800 of the nation's top insurance companies that collectively, account for nearly 70 percent ($1.27 trillion) of the nation’s $1.84 trillion insurance market.
Photography by Jon Cu
California Homeowners Insurance Company provides home insurance, townhome insurance and condo insurance with reputable insurance companies.Our success has been fueled by our impressive national network of real estate, mortgage and escrow professional affiliates.
10727 White Oak Avenue
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Phone: 877-931-3368
Insurance fraud, may be defined as, act committed with an intent to obtain a fraudulent result from an insurance process. This may occur when a claimant attempts to obtain some benefit to which they are not otherwise entitled, or when an insurer knowingly denies some benefit that is due. According to the United States Federal Bureau of Investigation the most common schemes include: Premium Diversion, Fee Churning, Asset Diversion, and Workers Compensation Fraud. The perpetrators in these schemes can be both insurance company employees and claimants. False insurance claims are insurance claims filed with an intent to deceive an insurance provider.
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This newborn baby is happy that her parents bought life insurance, now he knows he'll be taken care of if something happens to them.
Description: Interior view at the Allstate Insurance Company building at 3243-59 W. Arthington Street, showing "bull pen space" a large open area with desks.
Photographer: Copelin Commercial Photographers
Series Description: Copelin Commercial Photographers recorded exteriors and interiors of buildings that Chicago's building inspectors visited when they investigated problematic structures during the 1940s, '50s, and '60s. Some general views of streets and intersections taken for the Department of Streets and Sanitation, as well as major commercial buildings also fill out the picture of various neighborhoods.
Date: May 11, 1950
Geographic coverage: Chicago (Ill.)
Collection: Chicago - Photographic Images of Change (University of Illinois at Chicago)
Repository: University of Illinois at Chicago. Library. Special Collections and University Archives.
File Name: JPCC_01_0031_0352_0029
Acknowledgements: This project was funded through a generous grant from the National Historic Publications and Records Commission.
Rights: This image may be used freely, with attribution, for research, study and educational purposes. For permission to publish, distribute, or use this image for any other purpose, please contact Special Collections and University Archives, University of Illinois at Chicago Library at lib-spec@uic.libanswers.com
For more images from the collection, visit collections.carli.illinois.edu/cdm/landingpage/collection/uic_pic
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10727 White Oak Avenue
Suite 115
Granada Hills, CA 91344
Phone: 877-931-3368
Los Angeles, CA
The Los Angeles Fire Department (LAFD) and Los Angeles Police Department (LAPD) went head-to-head for the inaugural “9-1-1 BBQ Battle,” a charitable barbecue competition on 2/29/20.
Six teams (three from each department) squared-off in three categories—ribs, steak and tenderloin.
The LAFD and LAPD hosted this fun and informative event to benefit local non-profit organizations, community groups, after school programs and the Los Angeles community.
Farmers Insurance®, a leading insurer group with a longstanding commitment to first responders, proudly sponsored the 9-1-1 BBQ Battle with nonprofit partner Operation BBQ Relief, and the Los Angeles Fire Department Foundation and the Los Angeles Police Foundation.
Supporting these Foundations is one of the many ways the Woodland Hills-based organization continues to recognize and thank first responders who serve their communities in Los Angeles and around the country.
Photo credit: Grant Terzakis
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California Insurance Commissioner Dave Jones announced the results of the national Multistate Insurance Diversity Survey (MIDS), which tracks supplier and governing board diversity in the insurance industry. Insurance commissioners from five states—California, the District of Columbia, New York, Oregon, and Washington – joined together in a multistate effort to collect information from nearly 800 of the nation's top insurance companies that collectively, account for nearly 70 percent ($1.27 trillion) of the nation’s $1.84 trillion insurance market.
Photography by Jon Cu
Insurance World Challenges 2017 es la conferencia internacional de referencia en el Sector Asegurador que reunirá a los máximos exponentes de la Industria Aseguradora nacional e internacional con el objetivo de compartir, debatir y reflexionar acerca de los futuros retos y tendencias a los que se enfrenta el Sector Asegurador a nivel global.
Website #11
Pretty much a nuts and bolts site with some advanced form handling features. I've began a redesign for them at the beginning of the year but held off waiting to see what changes in health care do to their offerings.
Best part of this project was the logo I created, it was the first time a company used my artwork for company apparel.
Active: www.nigroinsurance.com