MARKET CONDUCT EXAMINATION REPORT OF THE ANNUITY BUSINESS OF METLIFE INVESTORS USA INSURANCE COMPANY (NAIC #61050)
|
|
- Madeline Booker
- 8 years ago
- Views:
Transcription
1 MARKET CONDUCT EXAMINATION REPORT OF THE ANNUITY BUSINESS OF METLIFE INVESTORS USA INSURANCE COMPANY (NAIC #61050) 1095 Avenue of the Americas New York, New York Report Number MCLH E Examination Period: December 1, 2011 through November 30, 2012 INSURANCE ADMINISTRATION STATE OF MARYLAND MARYLAND INSURANCE ADMINISTRATION THERESE M. GOLDSMITH, COMMISSIONER APRIL 23, 2014
2 MARE!N() MAuI Y IIIERFSI M GOIDSMIFH Governor Corrnmss~on~r ANTHONY 0. BROWN Lt. Governor KAREN STAKEM HORNIG Deputy Commissioner INSURANCE AI)MINISTRATION THOMAS L. MARSHALL C~iance&E~bivement 200 St. Paul Place. Suite 2700, Baltimore, Maryland Direct Dial: Fax; ; thornas.inarshalli~maryland.gov TTY: www. rndinsurance.state md.us April 23, 2014 The Honorable Therese M. Goldsmith Commissioner of Insurance State of Maryland 200 St. Paul Place, Suite 2700 Baltimore, Maryland Dear Commissioner Goldsmith: Pursuant to your instructions and authorization, an Examination has been made of the market conduct affairs of: METLIFE INVESTORS USA INSURANCE COMPANY whose home office is located at 1095 Avenue of the Americas, New York, New York The report of such Examination is being respectfully submitted. Sincerely, Signature on file with original Thomas L. Mars~iall Associate Comn~issioner Compliance & Enforcement
3 TABLE OF CONTENTS SECTION PAGE I. EXECUTIVE SUMMARY I II. SCOPE OF EXAMINATION 2 III. COMPANY PROFILE 3 IV. NEW ISSUES AND REPLACEMENTS 4 V. RECOMMENDATION 10 VI. CLOSING 11 VII. EXAMINATION REPORT SUBMISSION 12 EXHIBITS 13 MetLife Investors USA Insurance Company MCLH E
4 I. EXECUTIVE SUMMARY The Maryland Insurance Administration (hereinafter Administration ) conducted a target Market Conduct Examination (hereinafter Examination ) of MetLife Investors USA Insurance Company (hereinafter Company ). The purpose of the Examination was to assess the Company s business practices as they relate to Annuity Suitability and Annuity marketing practices to determine compliance with Maryland insurance laws and regulations. The period covered by the Examination was December 1, 2011 through November 30, 2012 (hereinafter Examination period ). A total of 323 randomly selected files were reviewed. A total of 17 violations were identified during the Examination period. The Company has been directed to modify certain policies and procedures to ensure future compliance. The Examination identified various non-complaint practices, some of which may extend to other jurisdictions. The Company is directed to take immediate corrective action to demonstrate its ability and intention to conduct business in Maryland according to the State s insurance laws and regulations. MetLife Investors USA Insurance Company MCLH E
5 II. SCOPE OF EXAMINATION An Examination has been performed on the Company and a Report thereon is submitted as follows: The Examination was conducted pursuant to ~2-205, 2-207, 2-208, and of the Annotated Code of Maryland, Insurance Article 1 and of the Code of Maryland Regulations (hereinafter COMAR ). The Examination period was December 1, 2011 through November 30, The purpose of the Examination was to assess the Company s compliance with Maryland insurance laws and regulations relating to Annuity Suitability plans. All non-compliant practices may not have been discovered or noted in the Report. Failure to identify or criticize non-compliant business practices in Maryland or in other jurisdictions does not constitute acceptance of such practices. Examination findings and recommendations, if any, that do not reference specific insurance laws, regulations, or bulletins are presented to improve the Company s business practices and ensure consumer protection. The examination and testing methodologies followed standards established by the National Association of Insurance Commissioners and procedures developed by the Administration. All sample files were selected by using ~acomputer generated random sample program unless otherwise stated herein. The Company was requested to provide the total population for each area listed in the chart below: Annuity Suitability Advertisin Annuity Suitability New Issues Annuity Suitability Replacements Annuity Suitability Denied contracts 9 9 Annuity Suitability Top 10 Producers Annuity Suitability~~plaints - Administrative 6 6 Annuity Suitability complaints - Representative 7 7 Totals: Unless otherwise noted all statutory references are to the Annotated Code of Maryland, Insurance Article. MetLife Investors USA Insurance Company MCLH E 2
6 Ill. COMPANY PROFILE Date Incorporated: 09/13/1960 Date Commenced: 03/10/1961 Domicile: DE MetLife Investors USA Insurance Company (MLI-USA), a Delaware domiciled life insurance company, is a wholly-owned subsidiary of MetLife Insurance Company of Connecticut ( MICC ). MICC is a subsidiary of MetLife, Inc. (the Holding Company or MetLife ). The Company markets and administers traditional life, variable and universal life, variable and fixed annuity products. MLI-USA is a wholly-owned subsidiary of MetLife Insurance Company of Connecticut. The Company is licensed to do business in 49 states, the District of Columbia and Puerto Rico. The Company offers life insurance and annuities to individuals, as well as group insurance and retirement & savings products and services to corporations and other institutions. The Company s products include variable life products, universal life products, traditional life products, including whole life and term life, individual disability insurance, variable and fixed annuities, mutual funds and a broad range of group insurance and retirement products and services 2. 2 A.M. Best Company AMB Credit Report Insurance Professional for MetLife Investors USA Insurance Company, History, http ://www3.ambest.corn/ratings/reportserver.asp?report=84 11 &URatingld= &AltSrc=9&ExtU ser=&ext Misc=, copied for this report on 6/05/ MetLife Investors USA Insurance Company MCLH E 3
7 The Company shall implement a process to ensure compliance with Maryland IV, NEW ISSUES AND REPLACEMENTS Issue 1: Violation of Section (c)(1) The Company failed to obtain the applicant s written consent for alterations on an application for an annuity contract. Section provides in pertinent part: FINDING I (c) (1) Except as provided in paragraph (2) of this subsection, an alteration of a written application for a life insurance or health insurance policy or annuity contract may not be made by a person other than the applicant without the applicant s written consent. The Company failed to obtain the applicant s written consent.when issuing annuity contract amounts other than applied for. The Company is in violation of Section (c)(I). Annuity Suitability Replacements (SàthpIeSizo~ Vibiati.6ri~ 2.~ of Error 3 Exhibit A insurance laws and regulations. MetLife Investors USA Insurance Company MCLH E 4
8 Issue 2: Violation of COMAR B The Company failed to send a Guaranty Notice to annuitants which included the required lanquaqe, COMAR provides in pertinent part:.03 Required Notice. B. The notice required in A of this regulation shall be in at least 12-point type and shall read as follows: NOTICE OF PROTECTION PROVIDED BY MARYLAND LIFE AND HEALTH INSURANCE GUARANTY CORPORATION This notice provides a brief summary of the Maryland Life and Health Insurance Guaranty Corporation (the Corporation) and the protection it provides for policyholders. This safety net was created under Maryland law, which determines who and what is covered and the amounts of coverage. The Corporation is not a department or unit of the State of Maryland and the liabilities or debts of the Life and Health Insurance Guaranty Corporation are not liabilities or debts of the State of Maryland. The Corporation was established to provide protection in the unlikely event that your life, annuity, or health insurance company becomes financially unable to meet its obligations and is taken over by its Insurance Department. If this should happen, the Corporation will typically arrange to continue coverage and pay claims, in accordance with Maryland law, with funding from assessments paid by other insurance companies. The basic protections provided by the Corporation are: Life Insurance $300,000 in death benefits $100,000 in cash surrender or withdrawal values Health Insurance $500,000 for basic hospital, medical, and surgical insurance or major medical insurance provided by health benefit plans $300,000 for disability insurance MetLife Investors USA Insurance Company MCLH E 5
9 $300,000 for long-term care insurance $100,000 for a type of health insurance not listed above, including any net cash surrender and net cash withdrawal values under the types of health insurance listed above Annuities $250,000 in the present value of annuity benefits, including net cash withdrawal values and net cash surrender values With respect to each payee under a structured settlement annuity, or beneficiary of the payee, $250,000 in present value annuity benefits, in the aggregate, including any net cash surrender and net cash withdrawal values. The maximum amount of protection for each individual, regardless of the number of policies or contracts, is: $300,000 in aggregate for all types of coverage listed above, with the exception of basic hospital, medical, and surgical insurance or major medical insurance $500,000 in aggregate for basic hospital, medical, and surgical insurance or major medical insurance NOTE: Certain policies and contracts may not be covered or fully covered. For example, coverage does not extend to any portion(s) of a policy or contract that the insurer does not guarantee, such as certain investment additions to the account value of a variable life insurance policy or a variable annuity contract. There are also various residency requirements and other limitations under Maryland law. To learn more about the above protections, please visit the Corporation s website at or contact: Maryland Life and Health Insurance Guaranty Corporation 9199 Reisterstown Road P.O. Box 671 Suite 216C Owings Mills, Maryland Or, Maryland Insurance Administration 200 St. Paul Place, Suite 2700 MetLife Investors USA Insurance Company MCLH E 6
10 The Company incorporated the new notice into its system to ensure compliance FINDING 2 Baltimore, Maryland , ext Insurance companies and agents are not allowed by Maryland law to use the existence of the Corporation or its coverage to encourage you to purchase any form of insurance. When selecting an insurance company, you should not rely on Corporation coverage. If there is any inconsistency between this notice and Maryland law, then Maryland law will control. The Company failed to send a Guaranty Notice to annuitants which included the required language as stated in COMAR B. The latest change to the Maryland Guaranty Notice became effective on October 1, The Company did not implement the change to its system until November 10, The Company is in violation of COMAR B. YArea Be~[eyt~èd~i: ~ : ~pj.dation ~$apipfe Sjze VioIat~bs. % ~f Error Exbibit Annuity Suitability New Issues B Annuity Suitability Replacements B with Maryland insurance laws and regulations. MetLife Investors USA Insurance Company MCLH E 7
11 Issue 3: Violation of COMAR A(2) The Company failed to notify an existing insurer of a proposed replacement within five business days of receipt of the completed application indicatinu replacement. COMAR provides in pertinent part:.06 Duties of Replacing Insurers that Use Insurance Producers. A. In General. If a replacement is involved in a transaction, the replacing insurer shall: * * * The Company shall implement a process to ensure compliance with Maryland (2) Notify any other existing insurer that may be affected by the proposed replacement within 5 business days after: (a) Receipt of a completed application indicating replacement; or (b) A replacement is identified, if not indicated on the application; FINDING 3 The Company failed to notify an existing insurer of the proposed replacement within five business days after receipt of a completed application indicating replacements. The Company is in violation of COMAR A(2)..~ Area Revie*ed I ~opu~atjón ~a~pi~ $~Zé Violations - Wof Error Ext~ibit Annuity Suitability New Issues Annuity Suitability Replacements <1 1 0 D insurance laws and regulations. MetLife Investors USA Insurance Company MCLH E 8
12 Issue 4: Violation of COMAR (2) The Company failed to provide the information in the manner specified by the Commissioner in accordance with Maryland Law, COMAR provides in pertinent part: FINDING 4.05 Information. D. Whenever a person receives a request from the Commissioner for information, the person shall provide the requested information: (2) In the manner specified by the Commissioner. The Company failed to provide query responses by the due date and in some instances, by the extended due date. A list of the queries in violation is included in Exhibit D. As the Company failed to provide the requested information in the manner specified by the Commissioner, the Company is in violation of COMAR D(2). The Company shall implement a process to ensure compliance with Maryland insurance laws and regulations. MetLife Investors USA Insurance Company MCLH E 9
13 V. RECOMMENDATION It is recommended that the Company inform producers that they should only sign the application after the applicant has signed the application. The producer signature is necessary in order to verify that the information on the application is correct to the best of their knowledge. If the producer signs the application before the applicant completed the application, then it is not possible for the producer to be aware of the items completed on the application. MetLife Investors USA Insurance Company MCLH E 10
14 VI. CLOSING A total of 323 randomly selected files were reviewed. A total of 17 violations were identified during the Examination period. The Company has been directed to modify certain policies and procedures to ensure future compliance with Maryland insurance laws and regulations. The violations include failing to obtain the applicant s written consent on changes of annuity contract amounts other than applied for, failing to send a Guaranty Notice to the annuitant with the correct language, failing to notify an existing insurer of the proposed replacement within five business days after receipt of a completed application, and failing to provide the information in the manner specified by the Commissioner. MetLife Investors USA Insurance Company MCLH E 11
15 VII. EXAMINATION REPORT SUBMISSION The courtesy and cooperation extended by the officers and employees of the Company during the course of the Examination are hereby acknowledged. Signature on file with original Megan F(çvlason, Chief Life and Health Examiner Compliance & Enforcement Unit In addition, the following individuals participated in this Examination and in the preparation of this Report: Darshell N. Shepphard Senior Examiner Life and Health Market Conduct Examiner Compliance & Enforcement Unit Samantha L. Gross Life and Health Market Conduct Examiner Compliance & Enforcement Unit Kristen Walter Market Conduct Associate Compliance & Enforcement Unit MetLife Investors USA Insurance Company MCLH E 12
16 EXHIBITS MetLife Investors USA Insurance Company MCLH E 13
17 IN THE MATTER OF THE ~BEFORE THE STATE OF MARYLAND MARYLAND INSURANCE COMMISSIONER * * V. * METLIFE INVESTORS USA INSURANCE COMPANY (NAIC #61060) l09bavenueoftheamerloas New York, Now York I ** INSURANCE COMMISSIONER. ~CASE NO. MIA-2O14D~~ ~ FO80~P0SITC;~I\, * *.. RY~NDU~~.;IRAI.IOI o~4~ 080 * APR 2.~2014 * * * A * A A * * A CA AC C * * * * * * * * * A * * * * * * A CCC CC * * AC * * A * * * * * A AC A * A AC PA~D. CONSENT ORDER The Maryland Insurance Commissioner ( Commissioner ) and MotLife Investors USA Insurance Company ( Respondent ), pursuant to ~2-108, of the Insurance Article, Md: Code Ann~; (the lnsurance~articie );and any other applicable sections, enter Into this Consent Order ( Order ) as follows: EXPLANATORY STATEMENT AND FINDiNGS OF FACT 1. At all times relevant to this Order, Respondent has held and currently holds a certificate of authority from the Maryland Insurance Administration ( Administration ) to operate as an insurer, 2 The Administration conducted a Market Conduct Examination ( Examination ) of Respondent. 3. Respondent admits to the facts and accepts the Administration s conclusions as stated in Examination Report number MCLH E ( Report ), but denies liability to any third party as a result of the violations noted In this Report. Both Respondent and the Administration agree to the conditions of the Order and the remedial measures set forth herein. Respondent execytes this Order knowingly and voluntarily. tmt~oi~ The parties
18 acknowledge that this Order Is In the public interest and desire to resolve this matter without further proceedings. 4. The Examination, the details of which are included In the Report is incorporated herein as if set forth in full, concluded that Respondent violated the following Maryland Laws and Regulations, (o) ofthe Insurance Article, Annotated Code of Maryland Section B of the Code of Maryland Regulations Section A(2) of the Code of Maryland Regulations Section ,050(2) of the Code of Maryland Regulations WHEREFORE~pursuant to ~2-108 and 4-IIS(d)(1) of the Insurance Article, it is hereby ORDERED by the Commissioner and consented to by Respondent: A. Respondent shall accept the Report as final and waives any right to a hearing on or for judicial review of the Report. B. Respondent shall correct the violation(s) as noted in the Report within ninety (90) days of the date this Order Is executed by the Insurance Commissioner or her designee. Respondent shall take such measures to ensure that the conditions that led to these violations are addressed such that same violations do not, occur In the future. Respondent shall set forth In a letter to the Commissioner that the violations have been corrected and that the measures have been taken to ensure that such violations do not occur in the future. Such letter shall be accompanied by a certification, signed by an officer of the Respondent, certifying that the information is true and accurate, C, Respondent shall pay an administrative penalty to the State of Maryland for the violations stated herein in the amount of Three Thousand Five Hundred dollars -2-
19 ($3,500.00) contemporaneously with Respondent s execution of this Order, Administrative penalties shall be made payable to the Maryland Insurance Mminlstration and shall identify the case by number or name, Unpaid penalties will be referred to the Central Collection Unit for collections, D. The executed Order and payment of the administrative penalty shall be sent to the attention of: Associate Commissioner, Compliance and Enforcement, 200 St. Paul Place, Suite 2700, Baltimore, MD 21202, E, Respondent agrees that no amounts paid pursuant to Paragraph C of this Order shall be included in or recoverable as expenses in any rate filing filed with the Administration or any other regulatory authority. F. For the purposes of the Administration and for any subsequent administrative or c~vllproceedings concerning Respondent, whether related or unrelated to the foregoing paragraphs, and with regard to requests for information about the Respondent made under the Maryland Public Information Act, or properly made by governmental agencies, this Order will be kept and maintained in the regular course of business by the Administration. For the purposes of the business of the Administration, the records and publications of the Administration will reflect this Order, G. The parties agree that this Order resolves all matters relating to the Report only, and the factual assertions and agreements contained herein are to be used solely for th~purposes of this proceeding brought by or on behalf of the Administration, Nothing herein shall be deemed a waiver of the Commissioner s right to proceed in an administrative action or civil action for violations not specifically identified in this Order, including, but not limited to, specific consumer complaints received by the Administration, -3-
20 nor shall anything herein be deemed a waiver of the right of the Respondent to contest other proceedings b,y the Administration, Additionally, Respondent understands and agrees that this Order addresses and resolves only the administrative actions by the Compliance and Enforcement Section of the Administration relating to the Report. This Order shall not be construed to resolve or preclude any potential or pending civil, administrative, or criminal action or prosecution, by any other person, entity or governmental authority, including, but not limited to, the Insurance Fraud Division of the Administration, regarding any conduct by the Respondent.inoludlng the conduct that is the subject of this Order. H. Respondent has had the opportunity to have this Order reviewed by legal counsel of Its choosing, and Is aware Of the benefits gained and obligations incurred by the execution of the Order, Respondent waives any and all rights to any hearing or judicial review of this Order to which it would otherwise be entitled under the Insurance Article with respect to any of the determinations made or actions ordered by this Order. I. This Order contains the entire agreement between the parties relating to the administrative actions addressed herein, This Order supersedes any and all earlier agreements or negotiations, whether oral or written, All time frames set forth In this Order may be amended or modified only by subsequent written agreement of the parties. J. On behalf of Respondent, the undersigned representative of Respondent affirms that he or she has taken all necessary steps to obtain the authority to bind Respondent to the obligations stated heroin and does in fact have the authority to bind Respondent to the obligations stated heroin, 4-
21 K. This Order shall be effective upon signing by the Commissioner or her designee, and is a Final Order of the Commissioner under of the Insurance Article. L. Failure to comply with the terms of this Order may subject Respondent to further legal and/or administrative action. It Is so ORDERED, this day of /FP~-~ ~, THERESE M. GOLDSMITH INSURANCE COMMISSIONER Signature on file with original By: Thomas L. Marsh II Associate Commis loner Compliance&Enforcomont ~ RESPONDENT S CONSENT RESPONDENT hereby CONSENTS to the representations made in, and to the terms of, the above Consent, Order,.The undersigned hereby represents that h~or she has the authority to bind MetLife Investors USA Insurance Company to the terms of this Consent Order resolving Report number MCLH E. Name: / ~li~ ~ L Signature on file with original Title: ~_c~ (~~4 ~~ ((~~e~( Date: y. ; I b, ~O(,4,~ -a-
MARKET CONDUCT EXAMINATION REPORT. OF THE LIFE AND ANNUITY BUSINESS OF METROPOLITAN LIFE INSURANCE COMPANY. 1095 Avenue of the Americas
MARKET CONDUCT EXAMINATION REPORT. OF THE LIFE AND ANNUITY BUSINESS OF METROPOLITAN LIFE INSURANCE COMPANY 1095 Avenue of the Americas New York, NY 10036 REPORT NUMBER MCLH-22-2O11~.E Examination Period:
More informationUNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK CITY (NAIC # 70106)
MARKET CONDUCT EXAMINATION REPORT OF THE LIFE INSURANCE BUSINESS OF UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK CITY (NAIC # 70106) 70 Pine Street New York, NY 10270 Report No. MCLH-59-2010-E
More informationMARYLAND. INSURANCE ADMINIsmATI0N
MARKET CONDUCT EXAMINATION REPORT OF THE LIFE INSURANCE BUSINESS OF SENIOR LIFE INSURANCE COMPANY (NAIC #78662) 1327 W. Jackson Street Thomasville, GA 31792 Report No. MCLH-36-2010-E Examination Period:
More informationReport No. MCLH-37-2010-E. Examination Period: July 1, 2009 - March 31, 2010 INSURANCE ADMINISTRATION ~ ~
MARKET CONDUCT EXAMINATION REPORT OF THE LIFE INSURANCE BUSINESS OF LIFE INSURANCE COMPANY OF THE SOUTHWEST (NAIC #65528) One National Life Drive Montpelier, VT 05604 Report No. MCLH-37-2010-E Examination
More informationSTATE OF MARYLAND MARYLAND INSURANCE ADMINISTRATION
MARKET CONDUCT EXAMINATION REPORT OF THE LIFE INSURANCE BUSINESS OF GUARDIAN LIFE INSURANCE COMPANY OF AMERICA (NAIC #64246) 7 Hanover Square Mail Station H-23-N New York, NY 10004 Report No. MCLH-14-2011-E
More informationReport No. MCLH-1O-2010-E INSURANCE ADMINISTRATION. Examination Period: July 1, 2009 - March 31, 2010
MARKET CONDUCT EXAMINATION REPORT OFTHE LIFE INSURANCE BUSINESS OF JOHN HANCOCK LIFE INSURANCE COMPANY (U.S.A.) (NAIC#65838) 197 Clarendon Street Boston, MA 02116 Report No. MCLH-1O-2010-E Examination
More informationState of California Department of Corporations
STATE OF CALIFORNIA BUSINESS, TRANSPORTATION AND HOUSING AGENCY DEPARTMENT OF CORPORATIONS Allied Cash Advance California, LLC dba Allied Cash Advance File # 0- and 0 locations NW th Street, Suite 00 Doral,
More informationREGULATORY SETTLEMENT AGREEMENT. THIS REGULATORY SETTLEMENT AGREEMENT (the Regulatory Settlement
IN THE MATTER OF LIFE INSURANCE COMPANY OF GEORGIA AND SOUTHLAND LIFE INSURANCE COMPANY REGULATORY SETTLEMENT AGREEMENT THIS REGULATORY SETTLEMENT AGREEMENT (the Regulatory Settlement Agreement ) is entered
More informationUNITED SERVICES AUTOMOBILE ASSOCIATION (NAIC# 25941) USAA CASUALTY INSURANCE COMPANY (NAIC# 25968) 9800 Fredericksburg Road San Antonio, TX 78288
UNITED SERVICES AUTOMOBILE ASSOCIATION (NAIC# 25941) USAA CASUALTY INSURANCE COMPANY (NAIC# 25968) 9800 Fredericksburg Road San Antonio, TX 78288 EXAMINATION DATE: July 9, 2001 EXAMINATION PERIOD: May
More informationMARYLAND INSURANCE * BEFORE THE ADMINISTRATION * 200 ST. PAUL PLACE, SUITE 2700 * MARYLAND INSURANCE
MARYLAND INSURANCE * BEFORE THE ADMINISTRATION * 200 ST. PAUL PLACE, SUITE 2700 * MARYLAND INSURANCE BALTIMORE, MARYLAND 21202 COMMISSIONER VS. * * JOHN HANCOCK LIFE & HEALTH * INSURANCE COMPANY * (NAIC
More informationState of California - Department of Corporations
0 0 This ("Agreement") is entered into as of February, 0 by and between the California Department of Corporations ( DOC ) through the California Corporations Commissioner ("Commissioner"), on the one hand,
More informationState of California Department of Business Oversight
0 MARY ANN SMITH Deputy Commissioner SEAN M. ROONEY Assistant Chief Counsel JUDY L. HARTLEY (CA BAR NO. 0 Senior Corporations Counsel Department of Business Oversight West th Street, Ste. 0 Los Angeles,
More informationST ATE OF VERMONT DEPARTMENT OF BANKING, INSURANCE, SECURITIES AND HEALTH CARE ADMINISTRATION STIPULATION AND CONSENT ORDER
ST ATE OF VERMONT DEPARTMENT OF BANKING, INSURANCE, SECURITIES AND HEALTH CARE ADMINISTRATION IN RE: RELIANCE STANDARD LIFE INSURANCE COMPANY DOCKET NO. 10-020-H STIPULATION AND CONSENT ORDER NOW COME
More informationUNITED STATES OF AMERICA DEPARTMENT OF THE TREASURY COMPTROLLER OF THE CURRENCY ) ) ) CONSENT ORDER FOR A CIVIL MONEY PENALTY
UNITED STATES OF AMERICA DEPARTMENT OF THE TREASURY COMPTROLLER OF THE CURRENCY #2015-089 In the Matter of: RBS Citizens, National Association, n/k/a Citizens Bank, National Association Providence, Rhode
More informationCherry Hills Investment Advisors INVESTMENT ADVISORY CONTRACT
Cherry Hills Investment Advisors INVESTMENT ADVISORY CONTRACT THIS INVESTMENT ADVISORY CONTRACT (this Agreement ) is made as of the Effective Date (defined below), between, whose address is and whose email
More informationMARYLAND HEALTHCARE PROVIDERS INSURANCE EXCHANGE LIMITED SCOPE EXAMINATION RATE STABILIZATION SUBSIDY YEAR 2006
MARYLAND HEALTHCARE PROVIDERS INSURANCE EXCHANGE LIMITED SCOPE EXAMINATION RATE STABILIZATION SUBSIDY YEAR 2006 NAIC NUMBER 12570 TABLE OF CONTENTS Executive Summary... 1 Conclusion... 2 Salutation...
More informationIN THE MATTER OF THE SECURITIES ACT R.S.O. 1990, c. S.5, AS AMENDED -AND- IN THE MATTER OF SYSTEMATECH SOLUTIONS INC., APRIL VUONG AND HAO QUACH
Ontario Commission des P.O. Box 55, 22 nd Floor CP 55, 22e étage Securities valeurs mobilières 20 Queen Street West 20, rue queen ouest Commission de l Ontario Toronto ON M5H 3S8 Toronto ON M5H 3S8 IN
More informationBEFORE THE COMMISSIONER OF INSURANCE OF THE STATE OF KANSAS CONSENT ORDER
BEFORE THE COMMISSIONER OF INSURANCE OF THE STATE OF KANSAS In the Matter of ) FIRSTCOMP INSURANCE ) Docket No. 3946-CO COMPANY ) CONSENT ORDER The Kansas Insurance Department ( KID ) and FirstComp Insurance
More informationNEW YORK CITY FALSE CLAIMS ACT Administrative Code 7-801 through 7-810 *
NEW YORK CITY FALSE CLAIMS ACT Administrative Code 7-801 through 7-810 * 7-801. Short title. This chapter shall be known as the "New York city false claims act." 7-802. Definitions. For purposes of this
More informationLIFE INSURANCE ENDORSEMENT METHOD SPLIT DOLLAR PLAN AGREEMENT
Exhibit 10.21 LIFE INSURANCE ENDORSEMENT METHOD SPLIT DOLLAR PLAN AGREEMENT Insurer/Policy Number: Bank: New York Life Insurance Company Heritage Bank Of Commerce Insured: Relationship of Insured to Bank:
More informationEX-10.1 2 ahcaagreement.htm AHCA AGREEMENT Back to Form 8-K Exhibit 10.1
EX-10.1 2 ahcaagreement.htm AHCA AGREEMENT Back to Form 8-K Exhibit 10.1 AGREEMENT Whereas: A. WellCare Health Plans, Inc., a Delaware corporation, owns or controls various subsidiaries and other corporations
More informationHow To Check If A Company Is In Compliance With The Law
LIBERTY INSURANCE CORPORATION (42404) LIBERTY MUTUAL FIRE INSURANCE COMPANY (23035) LIBERTY MUTUAL INSURANCE COMPANY (23043) 175 Berkeley Street Mail Stop 3E Boston, MA 02117 EXAMINATION DATE: SEPTEMBER
More informationSTATE OF MICIDGAN DEPARTMENT OF LICENSING AND REGULATORY AFFAIRS OFFICE OF FINANCIAL AND INSURANCE REGULATION
STATE OF MICIDGAN DEPARTMENT OF LICENSING AND REGULATORY AFFAIRS OFFICE OF FINANCIAL AND INSURANCE REGULATION Before the Commissioner of the Office of Financial and Insurance Regulation In the matter of:
More informationEMPLOYMENT CONTRACT BETWEEN
This sample is for illustrative purposes only and should not be used as a template. STMA recommends that you utilize professional legal counsel whenever entering into an employment contract or agreement.
More informationMEMBERSHIP AGREEMENT OF HEALTHCARE SERVICES PLATFORM CONSORTIUM RECITALS
MEMBERSHIP AGREEMENT OF HEALTHCARE SERVICES PLATFORM CONSORTIUM Hunton & Williams LLP draft dated 12/19/14 This Membership Agreement (this Agreement ) is entered into effective as of, 2014 by and between
More informationIN THE MATTER OF BEFORE THE AMERICAN SALES COMPANY LLC STATE BOARD OF RESPONDENT-CORPORATION PHARMACY PERMIT NUMBER: D00162 CASE NO.
AMERICAN SALES COMPANY LLC STATE BOARD OF RESPONDENT-CORPORATION PHARMACY PERMIT NUMBER: D00162 CASE NO.: P1-14-212/14-612 D83/ 200133480.1.05 Violations and Penalties. Code Md. Regs. Tit. 10 34.22: $500,000.
More informationFINAL JUDGMENT BY CONSENT
COMMONWEALTH OF MASSACHUSETTS SUFFOLK, SS. SUPERIOR COURT DEPARTMENT OF THE TRIAL COURT ) COMMONWEALTH OF MASSACHUSETTS, ) Plaintiff, ) CIVIL ACTION NO. /3-6) 7W--1-1- 2-- ) TRANSAMERICA LIFE INSURANCE
More informationBEFORE THE COMMISSIONER OF COMMERCE AND INSURANCE OF THE STATE OF TENNESSEE AT NASHVILLE ) ) ) ) ) ) CONSENT ORDER
BEFORE THE COMMISSIONER OF COMMERCE AND INSURANCE OF THE STATE OF TENNESSEE AT NASHVILLE TENNESSEE SECURITIES DIVISION Petitioner~ vs. CONSTITUTION CAPITAL CORPORATION Respondent. File No.: 99-007 CONSENT
More informationcorporation with its principal place of business in the City of
TEXAS DEPARTMENT OF INSURANCE Division of Workers Compensation Self-Insurance Regulation MS-60 7551 Metro Center Dr., Ste 100 Austin, Texas 78744-1645 (512) 804-4775 FAX (512) 804-4776 www.tdi.texas.gov
More informationAIA Document A310 TM 2010
AIA Document A310 TM 2010 Bid Bond CONTRACTOR: OWNER: «Lane County» «125 East Eighth Avenue BOND AMOUNT: $ PROJECT: (Name, location or address, and Project number, if any) «Lane County Adult Corrections
More informationHOOVER FINANCIAL ADVISORS, PC FINANCIAL PLANNING AND CONSULTING AGREEMENT
FINANCIAL PLANNING AND CONSULTING AGREEMENT This financial planning and/or consulting agreement ( Agreement ) made as of the day of, 2016 between the undersigned party, ( Client ), the Investment Advisory
More informationClimb Investco, LLC, a Delaware limited liability company. Climb Credit, Inc., a Delaware Corporation
Amended and Restated Final Agreement of the Parties PARTIES Lender Manager Master Servicer School ELIGIBILITY Eligible Assets Eligible Schools TRANSACTION Transaction Term Survival Program Size Funding
More informationFINANCIAL INSTITUTION AGREEMENT
Banner Life Insurance Company 3275 Bennett Creek Avenue Frederick, Maryland 21704 (800) 638-8428 FINANCIAL INSTITUTION AGREEMENT 1. Subject to the terms and conditions of this Agreement, the undersigned
More informationClaim Form for Structured Settlements
Claim Form for Structured Settlements New York Life Insurance Company New York Life Insurance and Annuity Corp. A Delaware Corp. The Company You Keep Important Information for Completing Your Claim Form
More informationSENATE BILL 5180. State of Washington 64th Legislature 2015 Regular Session
Z-0.1 SENATE BILL State of Washington th Legislature 01 Regular Session By Senators Benton, Mullet, Angel, Hobbs, Hargrove, Keiser, and Darneille; by request of Insurance Commissioner Read first time 01/1/1.
More informationNOTICE OF PROTECTION PROVIDED BY ALASKA LIFE AND HEALTH INSURANCE GUARANTY ASSOCIATION
ALASKA NOTICE OF PROTECTION PROVIDED BY ALASKA LIFE AND HEALTH INSURANCE GUARANTY ASSOCIATION This notice provides a brief summary of the Alaska Life and Health Insurance Guaranty Association (Association)
More informationVERSION 6.23.15 QUANTUM FINANCIAL ADVISORS
VERSION 6.23.15 Q F A NON- D I S C R E T I O N A R Y I A A G R E E M E N T ( D C ) QUANTUM FINANCIAL ADVISORS N O N D I S C R E T I O N A R Y I N V E S T M E N T A D V I S O R Y A G R E E M E N T THIS
More informationSETTLEMENT AGREEMENT JAMES B. NUTTER & COMPANY. "Corporation"), a corporation organized under the laws of, and headquartered in, Kansas City,
SETTLEMENT AGREEMENT JAMES B. NUTTER & COMPANY WHEREAS, JAMES B. NUTTER & COMPANY (hereafter "Nutter" or the "Corporation"), a corporation organized under the laws of, and headquartered in, Kansas City,
More informationDISCRETIONARY INVESTMENT ADVISORY AGREEMENT
DISCRETIONARY INVESTMENT ADVISORY AGREEMENT This Discretionary Investment Advisory Agreement (this Agreement ) is between (the "Client") and LEONARD L. GOLDBERG d/b/a GOLDBERG CAPITAL MANAGEMENT, a sole
More informationADMINISTRATIVE PROCEEDING BEFORE THE SECURITIES COMMISSIONER OF MARYLAND CONSENT ORDER
ADMINISTRATIVE PROCEEDING BEFORE THE SECURITIES COMMISSIONER OF MARYLAND IN THE MATTER OF: * OAH Case No. OAG-SD-50-35471 MARYLAND RETIREMENT SERVICES, * SD Case No. 2008-0179 INC. * Respondent. * * *
More informationGENERAL AGENT AGREEMENT
Complete Wellness Solutions, Inc. 6338 Constitution Drive Fort Wayne, Indiana 46804 GENERAL AGENT AGREEMENT This Agreement is made by and between Complete Wellness Solutions, Inc. (the Company ) and (the
More informationUNITED STATES OF AMERICA DEPARTMENT OF THE TREASURY COMPTROLLER OF THE CURRENCY ) ) ) ) ) ) ) ) ) CONSENT ORDER FOR A CIVIL MONEY PENALTY
UNITED STATES OF AMERICA DEPARTMENT OF THE TREASURY COMPTROLLER OF THE CURRENCY #2013-141 In the Matter of: JPMorgan Chase Bank, N.A. Columbus, Ohio Chase Bank USA, N.A. Wilmington, Delaware AA-EC-2013-46
More informationBMA ADVISORS, LLC Investment Advisory Agreement
BMA ADVISORS, LLC Investment Advisory Agreement 608 Silver Spur Road, Suite 100, Rolling Hills Estates, CA 90274 This agreement describes the relationship between BMA Advisors, LLC (hereinafter BMA ) and
More informationUNITED STATES OF AMERICA Before the COMMODITY FUTURES TRADING COMMISSION
UNITED STATES OF AMERICA Before the COMMODITY FUTURES TRADING COMMISSION In the Matter of: J.P. Morgan Securities LLC, Respondent. 19 CFTC Docket No. 14- ; ORDER INSTITUTING PROCEEDINGS PURSUANT TO SECTIONS
More informationMARYLAND CLAIM SETTLEMENT LAWS AND REGULATIONS
MARYLAND CLAIM SETTLEMENT LAWS AND REGULATIONS LAWS: SUBTITLE 3. UNFAIR CLAIM SETTLEMENT PRACTICES 27-301. Intent and effect of subtitle. (a) Intent of subtitle.- The intent of this subtitle is to provide
More informationSettlement Agreement. This Settlement Agreement ( Agreement ) is entered into between and among (i) the
Settlement Agreement This Settlement Agreement ( Agreement ) is entered into between and among (i) the District of Columbia ( District ), (ii) Compass/Chartwells (defined below), and (iii) Relator Jeffrey
More informationOperating Agreement. WXYZ Company, LLC, a [State] Limited Liability Company
Operating Agreement WXYZ Company, LLC, a [State] Limited Liability Company THIS OPERATING AGREEMENT of WXYZ Company, LLC (the Company ) is entered into as of the date set forth on the signature page of
More informationHOURLY CONSULTING AGREEMENT
4245 Kemp Blvd., Suite 1007 Wichita Falls, Texas 76308 HOURLY CONSULTING AGREEMENT This is an agreement between Personal Money Planning ( Advisor ), and ( Client ). By this agreement, Client retains Advisor
More informationThis Notice requests comments on how the Internal Revenue Service (the
Part III - Administrative, Procedural, and Miscellaneous Closing Agreements for Certain Life Insurance and Annuity Contracts that Fail to Meet the Requirements of Section 817(h), 7702 or 7702A (As Applicable)
More informationGLOBAL RESOLUTION AGREEMENT. the ongoing unclaimed property audit that Verus Financial LLC ("Verus") is conducting of
GLOBAL RESOLUTION AGREEMENT This Global Resolution Agreement sets forth the terms and conditions intended to resolve the ongoing unclaimed property audit that Verus Financial LLC ("Verus") is conducting
More information58-58-50. Standard Valuation Law.
58-58-50. Standard Valuation Law. (a) This section shall be known as the Standard Valuation Law. (b) Each year the Commissioner shall value or cause to be valued the reserve liabilities ("reserves") for
More informationcorporation with its principal place of business in the City of
TEXAS DEPARTMENT OF INSURANCE Division of Workers Compensation Self-Insurance Regulation MS-60 7551 Metro Center Dr., Ste 100 Austin, Texas 78744-1645 (512) 804-4775 FAX (512) 804-4776 www.tdi.texas.gov
More informationCREDIT REPAIR ORGANIZATIONS ACT 15 U.S.C. 1679 et. seq.
CREDIT REPAIR ORGANIZATIONS ACT 15 U.S.C. 1679 et. seq. Please note that the information contained herein should not be construed as legal advice and is intended for informational purposes only. In addition,
More informationAPPLICATION FOR EMPLOYEE BENEFIT PLAN FIDUCIARY INSURANCE
APPLICATION FOR EMPLOYEE BENEFIT PLAN FIDUCIARY INSURANCE NOTICE: THIS IS AN APPLICATION FOR A CLAIMS MADE AND REPORTED POLICY. THE POLICY FOR WHICH THIS APPLICATION IS MADE IS LIMITED TO LIABILITY FOR
More informationSETTLEMENT AGREEMENT AND CONSENT ORDER OCWEN FINANCIAL CORPORATION AND OCWEN LOAN SERVICING, LLC
SETTLEMENT AGREEMENT AND CONSENT ORDER OCWEN FINANCIAL CORPORATION AND OCWEN LOAN SERVICING, LLC WHEREAS, Ocwen Financial Corporation is a publicly traded Florida corporation headquartered in Atlanta,
More informationREVISED COVERAGE UNDER THE NEV ADA LIFE AND HEALTH INSURANCE GUARANTY ASSOCIATION
BRIAN SANDOVAL Governor STATE OF NEVADA TERRY JOHNSON Director AMYL.PARKS Acting Commissioner DEPARTMENT OF BUSINESS AND INDUSTRY DIVISION OF INSURANCE 18 18 East College Pkwy., Suite 103 Carson City,
More informationUNITED STATES OF AMERICA DEPARTMENT OF THE TREASURY COMPTROLLER OF THE CURRENCY CONSENT ORDER FOR A CIVIL MONEY PENALTY
UNITED STATES OF AMERICA DEPARTMENT OF THE TREASURY COMPTROLLER OF THE CURRENCY #2015-051 In the Matter of: Wells Fargo Bank, National Association Sioux Falls, South Dakota AA-EC-2015-13 CONSENT ORDER
More informationUNITED STATES DISTRICT COURT DISTRICT OF MINNESOTA Criminal No.:
UNITED STATES DISTRICT COURT DISTRICT OF MINNESOTA Criminal No.: UNITED STATES OF AMERICA, ) ) Plaintiff, ) DEFERRED PROSECUTION ) AGREEMENT v. ) ) BIXBY ENERGY SYSTEMS, INC., ) ) Defendant. ) The United
More informationBEFORE THE FEDERAL MARITIME COMMISSION
BEFORE THE FEDERAL MARITIME COMMISSION COMBUSTION STORE LIMITED, Complainant, V Docket No. 15-02 UNIGROUP WORLDWIDE, INC., Respondent. OFFER OF JUDGMENT COMES NOW, Respondent UNIGROUP WORLDWIDE, inc. and,
More informationSETTLEMENT AGREEMENT AND RELEASE
SETTLEMENT AGREEMENT AND RELEASE This Settlement Agreement and Release ( Agreement ) is made and entered into by and between Cheryl Coryea ( Coryea or Plaintiff ), and Rochester Independent School District
More informationUNITED STATES OF AMERICA DEPARTMENT OF THE TREASURY OFFICE OF THE COMPTROLLER OF THE CURRENCY ) ) ) ) ) ) ) ) ) ) ) ) STIPULATION AND CONSENT ORDER
UNITED STATES OF AMERICA DEPARTMENT OF THE TREASURY OFFICE OF THE COMPTROLLER OF THE CURRENCY #2005-12 In the Matter of: Chicago Title Insurance Company Settlement Agent for: Whitney National Bank New
More informationLETTER AGREEMENT. 1.5 Investment Amount means an amount equal to THOUSAND DOLLARS ($,000.00).
LETTER AGREEMENT DATE:, 20 ( Effective Date ) BETWEEN: Investee Entrepreneur Email: AND, Investor Investor Email: For good and valuable consideration, the receipt and sufficiency of which are hereby acknowledged,
More informationState of Missouri Office of Secretary of State
Case No. AP 10 11 IN THE MATTER OF: JAMES E. OTTO, Respondent. Serve James E. Otto at: 13425 W. 128th Street Overland Park, Kansas 66213 State of Missouri Office of Secretary of State CONSENT ORDER On
More informationThe Rosenthal Fair Debt Collection Practices Act California Civil Code 1788 et seq.
The Rosenthal Fair Debt Collection Practices Act California Civil Code 1788 et seq. 1788. This title may be cited as the Rosenthal Fair Debt Collection Practices Act. 1788.1 (a) The Legislature makes the
More informationUNITED STATES OF AMERICA CONSUMER FINANCIAL PROTECTION BUREAU
2014-CFPB-0012 Document 1 Filed 08/20/2014 Page 1 of 17 UNITED STATES OF AMERICA CONSUMER FINANCIAL PROTECTION BUREAU ADMINISTRATIVE PROCEEDING File No. 2014-CFPB-0012 In the Matter of: CONSENT ORDER First
More informationUNITED STATES OF AMERICA DEPARTMENT OF THE TREASURY OFFICE OF THE COMPTROLLER OF THE CURRENCY ) ) ) ) ) ) CONSENT ORDER FOR A CIVIL MONEY PENALTY
UNITED STATES OF AMERICA DEPARTMENT OF THE TREASURY OFFICE OF THE COMPTROLLER OF THE CURRENCY #2016-008 In the Matter of: U.S. Bank National Association Cincinnati, Ohio AA-EC-2016-10 CONSENT ORDER FOR
More informationFINAL ORDER Effective: 11-27-07
BEFORE THE COMMISSIONER OF INSURANCE OF THE STATE OF KANSAS ) SunAmerica Life ) Insurance Company ) SUMMARY ORDER Pursuant to the authority granted to the Commissioner of Insurance ( Commissioner ) by
More informationProfessional Solutions Insurance Company. Business Associate Agreement re HIPAA Rules
Professional Solutions Insurance Company Business Associate Agreement re HIPAA Rules I. Purpose of Agreement This Agreement reflects Professional Solutions Insurance Company s agreement to comply with
More informationTitle 24-A: MAINE INSURANCE CODE
Title 24-A: MAINE INSURANCE CODE Chapter 11: ASSETS AND LIABILITIES Table of Contents Subchapter 1. ASSETS... 3 Section 901. "ASSETS" DEFINED... 3 Section 901-A. STATUTORY ACCOUNTING PRINCIPLES; RESERVES...
More informationAuthorized Merchant Agreement
Authorized Merchant Agreement THIS LEASE PURCHASE PROGRAM AGREEMENT ("Agreement") is made this day of 2014 by and between CREST FINANCIAL SERVICES LLC, whose address is 15 West Scenic Pointe Dr. Ste.350,
More informationBe it enacted by the People of the State of Illinois,
AN ACT concerning insurance. Be it enacted by the People of the State of Illinois, represented in the General Assembly: Section 5. The Illinois Insurance Code is amended by changing Sections 223 and 229.2
More informationAmendment and Consent No. 2 (Morris County Renewable Energy Program, Series 2011)
Execution Version Amendment and Consent No. 2 (Morris County Renewable Energy Program, Series 2011) by and among MORRIS COUNTY IMPROVEMENT AUTHORITY, COUNTY OF MORRIS, NEW JERSEY, U.S. BANK NATIONAL ASSOCIATION
More informationWest s Annotated MISSISSIPPI CODE
West s Annotated MISSISSIPPI CODE Using the Classification and Numbering System of the Mississippi Code of 1972 Title 73 Professions and Vocations 2002 Cumulative Annual Pocket Part Chapter 60 HOME INSPECTORS
More informationMARKET CONDUCT EXAMINATION NUMBER 2012C-0026 BROOKE LIFE INSURANCE COMPANY
STATE OF MICHIGAN DEPARTMENT OF LICENSING AND REGULATORY AFFAIRS MARKET CONDUCT EXAMINATION NUMBER 2012C-0026 TARGETED MARKET CONDUCT EXAMINATION REPORT OF BROOKE LIFE INSURANCE COMPANY LANSING, MICHIGAN
More informationName of Policyholder: ARCHDIOCESE OF ST. LOUIS. of each policy month
AMENDMENT TO GROUP POLICY GL-677885 PROCESSED ON APRIL 16, 2010. ANY CHANGES BETWEEN THIS POLICY AND THE PREVIOUSLY ISSUED POLICY ARE EFFECTIVE JULY 1, 2010. ALL OTHER TERMS, CONDITIONS AND DATES REMAIN
More informationUNITED STATES OF AMERICA DEPARTMENT OF THE TREASURY OFFICE OF THE COMPTROLLER OF THE CURRENCY ORDER FOR A CIVIL MONEY PENALTY
UNITED STATES OF AMERICA DEPARTMENT OF THE TREASURY OFFICE OF THE COMPTROLLER OF THE CURRENCY #2011-120 In the Matter of: ) ) AA-NE-2011-69 The National Union Bank of Kinderhook ) Kinderhook, New York
More informationHOMEOWNERS LIMITED REPRESENTATIVE SERVICE AGREEMENT With SERVICE FIRST INSURANCE GROUP LLC. Of CYPRESS PROPERTY & CASUALTY INSURANCE COMPANY
HOMEOWNERS LIMITED REPRESENTATIVE SERVICE AGREEMENT With SERVICE FIRST INSURANCE GROUP LLC. Of CYPRESS PROPERTY & CASUALTY INSURANCE COMPANY This Agreement is made and entered into effective as of October
More information549 COSTS, DISBURSEMENTS STRUCTURED SETTLEMENTS
For more information please visit Strategic Capital Corporation at www.strategiccapital.com, or contact us at Toll Free: 1-866-256-0088 or email us at info@strategiccapital.com. MINNESOTA ANNOTATED STATUTES
More informationINDEPENDENT CONTRACTOR AGREEMENT
INDEPENDENT CONTRACTOR AGREEMENT This Independent Contractor Agreement ( Agreement ) is entered between Nordstrom, Inc. ( Nordstrom ), with a business address at 1700 Seventh Avenue, Suite 1000, Seattle,
More informationFINAL ORDER EFFECTIVE: 11-18-13
BEFORE THE COMMISSIONER OF INSURANCE OF THE STATE OF KANSAS In the Matter of ) ) FARMERS INSURANCE COMPANY, INC. ) Docket No. 4613-MC NAIC #21628 ) SUMMARY ORDER Pursuant to the authority conferred upon
More informationSecretary of the Senate. Chief Clerk of the Assembly. Private Secretary of the Governor
Senate Bill No. 510 Passed the Senate September 9, 2009 Secretary of the Senate Passed the Assembly August 24, 2009 Chief Clerk of the Assembly This bill was received by the Governor this day of, 2009,
More informationUnitedHealthcare Insurance Company
UnitedHealthcare Insurance Company 185 Asylum Street Hartford, Connecticut 06103-3408 Policyholder: Synergy Services, Inc. Policy Number: 303968 Effective Date: January 1, 2015 Premium Due Date: January
More informationTHE STATE OF NEW HAMPSHIRE DEPARTMENT OF ENVIRONMENTAL SERVICES AIR RESOURCES DIVISION
THE STATE OF NEW HAMPSHIRE DEPARTMENT OF ENVIRONMENTAL SERVICES AIR RESOURCES DIVISION IN RE: KAL WALL CORPORATION AND STRUCTURES UNLIMITED, INC. AIR POLLUTION CONTROL ACT SETTLEMENT AGREEMENT BETWEEN
More informationBelow is an overview of the Molex lease process as it applies to Molex Application Tooling equipment.
Dear Valued Customer, Below is an overview of the Molex lease process as it applies to Molex Application Tooling equipment. Lease process: Molex does not offer leases for all of the equipment that we promote.
More informationADMINISTRATIVE PROCEEDING BEFORE THE SECURITIES COMMISSIONER OF MARYLAND
ADMINISTRATIVE PROCEEDING BEFORE THE SECURITIES COMMISSIONER OF MARYLAND IN THE MATTER OF: * * Ralph Edward Thomas, Jr. * Securities Docket No. 2011-0427 * Respondent * * * * * * * * * * * * * * ORDER
More informationINDIVIDUAL LIFE CLAIM KIT FOR PROCESSING LIFE INSURANCE AND ACCIDENTAL DEATH BENEFITS INSTRUCTIONS FOR FILING A LIFE CLAIM
INDIVIDUAL LIFE CLAIM KIT FOR PROCESSING LIFE INSURANCE AND ACCIDENTAL DEATH BENEFITS INSTRUCTIONS FOR FILING A LIFE CLAIM On behalf of Boston Mutual Life Insurance Company, please accept our sincere condolences
More informationCALIFORNIA CAPITAL INVESTORS, LLC (a Delaware Limited Liability Company) SUBSCRIPTION AGREEMENT
CALIFORNIA CAPITAL INVESTORS, LLC (a Delaware Limited Liability Company) SUBSCRIPTION AGREEMENT To: John R. Nelson, Managing Member California Capital Investors, LLC 700 East Redlands Boulevard, #105 Redlands,
More informationGENERAL ASSEMBLY OF NORTH CAROLINA SESSION 1999 SESSION LAW 1999-367 SENATE BILL 746
GENERAL ASSEMBLY OF NORTH CAROLINA SESSION 1999 SESSION LAW 1999-367 SENATE BILL 746 AN ACT TO CREATE THE NORTH CAROLINA STRUCTURED SETTLEMENT PROTECTION ACT. The General Assembly of North Carolina enacts:
More informationRequest for Disbursement / Systematic Withdrawal Form for Qualified Annuities
for Qualified Annuities INSURER Fidelity and Guaranty Life Insurance Company Americom Life and Annuity Insurance Company Service Center: Service Center: PO Box 81497 Lincoln, NE 68501-1497 PO Box 82337
More informationAs Reported by the Senate Insurance Committee. 131st General Assembly Regular Session S. B. No. 223 2015-2016
131st General Assembly Regular Session S. B. No. 223 2015-2016 Senator Bacon Cosponsors: Senators Hottinger, Tavares, Brown A B I L L To amend sections 3956.01 and 3956.04 of the Revised Code to make changes
More informationNEW YORK NY GENERAL OBLIGATIONS LAW 5-1701 5-1709 TITLE 17 STRUCTURED SETTLEMENT PROTECTION ACT
NEW YORK NY GENERAL OBLIGATIONS LAW 5-1701 5-1709 TITLE 17 STRUCTURED SETTLEMENT PROTECTION ACT 5-1701. Definitions. For purposes of this title: a. "Annuity issuer" means an insurer that has issued an
More informationReverse Mortgage Specialist
ADVISOR/LENDER APPLICANT ASSISTANCE AGREEMENT This ADVISOR/LENDER APPLICANT ASSISTANCE AGREEMENT (the Agreement ) is made this day of, 200_ by and between Oaktree Funding Corporation, a California Corporation
More informationTEXAS FAIR PLAN PRODUCER REQUIREMENTS AND PERFORMANCE STANDARDS
Producer Requirements Page 1 TEXAS FAIR PLAN PRODUCER REQUIREMENTS AND PERFORMANCE STANDARDS The following Texas FAIR Plan Association ( Association ) requirements and producer performance standards (
More informationARKANSAS DEPARTMENT OF EDUCATION RULES GOVERNING THE SCHOOL WORKER DEFENSE PROGRAM AND THE SCHOOL WORKER DEFENSE PROGRAM ADVISORY BOARD June 2014
ARKANSAS DEPARTMENT OF EDUCATION RULES GOVERNING THE SCHOOL WORKER DEFENSE PROGRAM AND THE SCHOOL WORKER DEFENSE PROGRAM ADVISORY BOARD June 2014 1.0 PURPOSE 1.01 The purpose of these rules is to establish
More informationVisa Business Credit Card Visa Business Rewards Credit Card
Visa Business Credit Card Visa Business Rewards Credit Card Card Center, P.O. Box 410436, Kansas City, MO 64141-0436 Branch ID no. Associate ID No. Agent # - BBW 0240 COMPANY INFORMATION Company Name Street
More informationA CONSUMER GUIDE TO ANNUITIES INSURANCE ADMINISTRATION
A CONSUMER GUIDE TO ANNUITIES INSURANCE ADMINISTRATION TABLE OF CONTENTS Who We Are...1 How We Help Consumers....1 Resources For Consumers...2 What Is An Annuity?....2 Five Basic Questions For Understanding
More informationInsurance Market Solutions Group, LLC Sub-Producer Agreement
Insurance Market Solutions Group, LLC Sub-Producer Agreement This Producer Agreement is made and entered into effective the day of, 20, by and between Insurance Market Solutions Group, LLC a Texas Company
More informationTHIS SETTLEMENT AGREEMENT (the Agreement ) is entered into by the States
UNITED STATES DISTRICT COURT EASTERN DISTRICT OF NEW YORK UNITED STATES OF AMERICA, and the STATES OF CALIFORNIA, FLORIDA, HAWAII, ILLINOIS, MASSACHUSETTS, NEVADA, VIRGINIA, DISTRICT OF COLUMBIA and STATE
More informationUNITED STATES OF AMERICA Before the COMMODITY FUTURES TRADING COMMISSION
In the Matter of: UNITED STATES OF AMERICA Before the COMMODITY FUTURES TRADING COMMISSION Alfred C. Toepfer International, Inc. CFTC Docket No. 15-41 Respondent. ORDER INSTITUTING PROCEEDINGS PURSUANT
More information