LIFE INSURANCE – ACCELERATED BENEFITS & VIATICAL SETTLEMENTS (LIFE SETTLEMENTS)
Updated 11-15-04
NAIC Publications
Selling Your Life Insurance Policy, Understanding Viatical Settlements, Appendix A of Viatical Settlement Model Regulation, Model Laws, Regulations and Guidelines-698,
NAIC Model
Viatical
Settlements: Buying Viaticals as Investments, Appendix A of
Viatical Settlement Model Regulation, Model Laws, Regulations and Guidelines-698, NAIC Model
Regulating
the Secondary Market for Life Insurance Policies, Neil A Doherty & Hal
J. Singer, The Journal of Insurance Regulation, Summer, 2003, p 63
NAIC
Testifies on Viatical Settlement Transactions and curbing potential fraud,
NAIC Press Release, May 15, 2003
Viatical Settlements, Issues,
NAIC Publication
Viatical Settlement Model Act, Model Laws, Regulations and Guidelines-697,
NAIC Model
Viatical Settlement Model Regulation, Model Laws, Regulations and Guidelines-698, NAIC Model
State Laws Regarding Viatical Settlements (Living Benefits). Compendium of State Laws on Insurance Topics, NAIC Chart
Accelerated Benefits Model Regulation, Model Laws, Regulations and Guidelines-620, NAIC Model
Appellate Court Holds that Viatical Settlements are not Securities Subject to Federal Securities Laws, Journal of Insurance Regulation, Winter 1996, Vol. 15, No. 2, p. 301.
Louisiana Department Implements New Viaticals Law, NAIC News, March, 1996, p. 6
State Regulators Approve Further Controls on Viaticals, NAIC News, October, 1994, p. 1
House Approves 'Living Benefits' for Federal Employees, NAIC Legislative Update, July 31, 1994, p. 10.
Regulators Continue Push to Clamp down on Viatical Settlements, NAIC News, April, 1994, p. 1
NAIC Gives Final Nod to Regulation of Viatical Settlements, NAIC News Release, December 5, 1993.
Imminent Death and Accelerated Benefits, Journal of Insurance Regulation, Fall 1993, p 28.
Accelerated Benefits, Issues, NAIC Publication
Other Publications
Federal Magistrate Judge: Viatical company Mutual Benefits violated securities laws, Fran Matso Lysiak, Best's Insurance News, November 11, 2004
Selling Your Life Insurance To A Stranger: Policyholder raise money by treating their coverage as asset and unloading it, Jeff D. Opdyke, The Wall Street Journal, September 21, 2004
States Can Regulate Either as Insurance or Securities, Kathy Bushouse, SouthFlorida Sun Sentinel, July 256, 2004
NCOIL Changes Life Settlement Model Law to Strengthen Consumer
Protections, Dennis Kelly, Best's Insurance News, July 22, 2004
Death Investors at Risk, Part 2 of 2, Michael J. Berens & Mark
Skertic, The Chicago Tribune, July 5, 2004
Chasing the Death Dividend, Part 1 of 2, Michael J. Berens & Mark
Skertic, The Chicago Tribune, July 4, 2004
Judge Rules SEC Can Regulate Florida Firms sale of Insurance
Investments, Patrick Danner, The Miami Herald, June 28, 2004
ACLI Will Ask Commissioners to Reinstate Viaticals Licensing, R. J.
Lehmann, Best's Insurance News, June 8, 2004
Maine Governor Approves Life Settlements: Editorial, Denis Kelly,
Best's Insurance News, June 4, 2004
Questions Haunting Viatical Firm, Tom Stieghorst, South Florida
Sun-Sentinel., May 16, 2004
Viatical Company Denies Wrong Doing Charges are Trumped Up, Spokesman
says, Glen Singer, South Florida Sun Sentinel, May 8, 2004
Regulators Shut Down For Lauderdale, Fla Based Viatical Settlement
Firm,. Patrick Danner, The Miami Herald, May 6, 2004
ACLI Protests Change to Viatical Model Daft, Jim Connolly, National
Underwriter L/H, May 5, 2004
Do Viatical Brokers Need Licenses?, Insurance Chronicle, April
19, 2004
ACLI Pushes for Separate Viatical Broker Licensing, Jim Connolly, NU
online, April 8, 2004
Viatical Model OK's Minus Licensing Rule, Daily Insurance Reporter,
March 17, 2004
Life Settlement Industry Seeks Better Market Data, John Hillman, Best's
Insurance News, December 30, 2003
NAIC Delays Action on Viatical Model, Jim Connolly, National
Underwriter online, December 17, 2003
Regulators
Targeting Viaticals Sales Scams, Purva Patel, South Florida
Sun-Sentinel, November 2, 2003
Purchasing
Power; Life settlement providers must overcome problems in underwriting,
financing, marketing and perseverance to tap into a potentially huge
market Steven Arenson & Bob Miller, , Bests's Review, August,
2003
Purchasing
Power, Life Settlements vs Viaticals, Steven Arenson & Bob Miller, Best's
Review, August, 2003
Florida
Viatical Bankruptcy Order Seen Impacting Many Life Insurers, BestWire,
June 12, 2003
Virginia
Enacts Viatical Broker Law, Allison Bell, National Underwriter L/H,
May 7, 2003
Department
of Corporations Takes Enforcement Action Against Insurance Agents Selling
Unlawful and Fraudulent Viatical Investments. A P Newswire, March
20, 2003
Viatical Bankruptcy Order Affects 350 Life Companies, Bests Insurance News, February 4, 2003
Florida Regulators Charge Viatical Firm with Fraud, Marie Suszynski, Bests Insurance News, January 29, 2003
Life Settlement Ethics: Lessons from the past, knowledge for the future, Mark Berlin Kevin Glowacki & Robert Miller, National Underwriter L/H, December 9, 2002
Officials Targeting Variable Annuities, Susan Tompor, Detroit Free Press, December 2, 2002
Cashing Out:
Big banks and insurers are putting money into the business of buying unwanted
life insurance policies, a trend that foreshadows growth for the still-new
industry, Ron Panko, Bests Review, April, 2002
Viatical and Life Settlements: The frightening secondary market for
life insurance policies, Joseph M. Belth, Contingencies,
March/April, 2002
Viaticals
Carry Risk of Fraud, State Warns Betting On Death Unwise, Experts Say,
Teresa Dixon Murray, The Cleveland Plain Dealer, March 31, 2002
This Investment
Vehicle is Rife with Fraud, Kathy Kristof, South Florida Sun-Sentinel,
March 12, 2002
A Foolish
(And Ghoulish) Investment, Michele Singletary, The Washington Post,
March 10, 2002
Life Settlement
Institute Testifies Before US House of Representatives Committee on Financial
Services Oversight and Investigations Subcommittee, Ascribe News,
February 28, 2002
Congressional
Testimony Growing Incidence of Fraud in Viatical Settlements, Federal
Document Clearing House, February 26, 2002
Arizona Regulators
Allege Fraud in Viatical Sales, Best Day, December 5, 2001
North Carolina
Law Expands Regulators' Authority Over Viatical Settlements, Bests
Insurance News, October 19, 2001
Fraud, New
AIDS Drug Slow down Business in Death Benefits, Kristina Stefanova,
The Washington Times, August 23, 2001
Life Settlement
Coalition Launched to Educate Insurers, John Hillman, Bests Insurance
News, August 14, 2001
CNA Places
Moratorium on Viatical Purchases, Ron Panko BestWeek, July
30, 2001,
Viatical
Investors Told to Pay Up Again, Helen Huntley, St Petersburg Times,
June 27, 2001
NJ Insurance
Department Adopts Licensing for Viatical Brokers, Bests Insurance News,
June 13, 2001
Securitized
Bonds Could Propel Growth of Life Settlements, Bests Insurance News,
June 6, 2001
Death Wish
Investors in Insurance Policies for the Terminally Ill are watching their
Capital get Annihilated, Carrie Coolidge, Forbes, March 19, 2001
Business
World: Back to the future when life insurance was fun, Holman W. Jenkins,
The Wall Street Journal, March 14, 2001
Viatical
Settlements Could be a Godsend or a Swindle for the Dying, The Washington
Post, February 13, 2001
Fla Viatical
Firm Succumbs to Bad News: State Regulation, Fran Matso Lysiak, BestWeek,
February 12, 2001
Betting On
Death, Consumer Reports, February, 2001, p 37
Viatical
Transactions: The frightening secondary market for life insurance
policies, Joseph M. Belth, Insurance Forum, Inc., 2000
Study: Monitoring
Viatical & Life Settlements Pose Challenge for Industry, Best’s
Insurance News, December 20, 2000
As Viatical
and Life Settlements Multiply in the USA, LOMA Examines the Issue for
Life Insurers in a Just Published Report PR Newswire, December
14, 2000
NAIC Committee
Adopts Report on Life Settlements, Bests Insurance News, December
6, 2000
Law Aims
to Protect Death Futures Buyers, Kathy M Kristof, Los Angeles Times,
October 27, 2000
Maryland
Seizes Viatical Marketers Policies David Pilla, Bests Insurance News,
October 20, 2000
New Law Clarifies
State Authority Over Viatical Investments; Investments in ’Death Futures’
Among Top-Ten State Scams, Business Wire,. October 10, 2000
How to Cope
When Health Problems Wreak Financial Havoc Laura T. Coffey, St Petersburg
Times, October 1, 2000
Clearance
Sale: After Merger or Acquisition, Life settlements May Recover Value
for Company Owned life insurance policies, Gary Chodes, Best’s Review,
October, 2000, p 149
Viatiacals
are Rife With Cheating, Risky Bests on Someone Dying, Jane Bruant Quinn,
The Baltimore Sun, September 24, 2000,, p 2C
NAIC Viatical
Model Law Draft Would Include Life Settlements, Ron Panko & David
Pilla,
BestWeek,
L&H, September 4, 2000, p 16
California
Supreme Court Rules in Favor of AIDS Disability Claim, Business Wire,
August 20, 2000
The First
Viatical Fraud Convictions, The Insurance Forum, August , 2000
Viatical
Official Says Lax Underwriting Found at Root of Fraud, Best’s Insurance
News, July 7, 2000
Raid on Lexington,
Ky Life Insurance Firm Part of National Crackdown, Lexington Herald
Leader, June 12, 2000
Feds Indict
13 People, 3 Companies in $117 Million Viatical Fraud Case Dennis Kelly,
BestWeek, L&H, June 5, 2000
States Continue
to Crack Down on Viatical Settlement Fraud, Best’s News, June 2,
2000
Viaticus,
Inc Applauds Regulatory & Law Enforcement Efforts to Protect ConsumersPR
Newswire, May 25, 2000
Be Careful
When Your Life Is Worth Money to Strangers Paul Palazzo, The Seattle
Times, May 15, 2000
VUL Accelerated
Benefits Can Pay for LTC Norse N. Blazzard, Judity Hasenauer, National
Underwriter L&H, May 10, 2000
Insurance
Departments Look to Stamp Out Viatical Fraud,Eric Thorsen, Best’s Insurance
News, March 15, 2000
Brokers
Receive Guidance on Life Settlements Carole Ann King, National Underwriter
L&H, January 31,2000
The Kelco
Group Advocates Revisions to NAIC Model Viatical & Life Settlement
Act Increasing Consumer Protection, Kelco News Release, January
31, 2000
Brokers Receive
Guidance on Life Settlements, Carole Ann King, National Underwriter
L&H, January 31, 2000
Study: Seniors
Will fuel Viatical Growth, Joseph D’Allegro, National Underwriter L&H,
January 10, 2000, p 13
Viatical
Settlement Concept Seen Moving from Last Resort Mode into Source of Funds
for Healthy Seniors, Insurance Advocate, January 1, 2000, p. 30
Making a
Killing Viaticals let Sick People Sell their Life Insurance, But Investing
in Death may not Always be the Best Bet, Daniel Eisenberg, Time,
November 29, 1999
John Hancock
Sues Cleveland Area Viatical Company over Florida Deals, The Miami
Herald, October 1, 1999
New Jersey
Looks for Ways to Regulate Viatical Settlement Market, David Shook, The
Record, September 30, 1999
Taking the
Bad out of Viatical Firms Hope to Lift Reputation of Industry, Offer Protection
from Fraud, Humberto Cruz, Sun Sentinel- Ft Lauderdale, September
27, 1999
Florida Moves
Against Another Viatical Co. Joseph D’Allegro, National Underwriter
L&H, August 23, 1999, p 14
Texas Indictments
Shake up Viatical Settlement Industry, Edmundo Conchas, San Antonio
Business Journal, August 23, 1999
Florida Regulators
Raise Their Efforts to Oversee Growing Viatical Industry, Ron Panko, BestWeek
L&H, August 2, 1999
Insurance
Companies, Regulators, Wrangle over Viatical Policies, Sun Sentinel,
July 31, 1999
A life-Insurance
Plan May Be Dead End for Scores of Investors, Douglas Blackmon, The
Wall Street Journal, July 29, 1999
US, Florida
to Probe Investments Involving Viatical Settlements, Douglas Blackmon,
Dow Jones Business News, July 26, 1999
Who Regulates
Viaticals, Lisa Karam Middleton, Insure Com, The Consumer Insurance
Guide, July, 1999
Texas First
State to Regulate Life Settlements, News Release, June 29, 1999
Viatical
Settlements: The Other, Positive Side of the Story, News Release,
June 1, 1999
Insurance
Investors Getting Scammed, News Release, May 26, 1999
Cash for
Life (Insurance): policies Gain Momentum: Accelerated Death Benefits Liberalized,
Gene Linn, Journal of Commerce, May 6, 1999
Viaticals
Traced to 1911 Ruling, Gene Linn, Journal of Commerce, April 27,
1999
New Market
for Viaticals Firms Criticized. Gene Linn, Journal of Commerce,
Part II, April 27, 1999
Viaticals
Industry under Attack, Life Insurers See Need for Stronger Legislation,
Gene Linn, Journal of Commerce, Part I, April 26, 1999
High Net
Worth Viaticals Ripe for Reinsurers, Gary Chodes & Bernie Goebel,
National Underwriter L&H, April 26, 1999
Policies
with Living Benefits Double in 4 Years, Joseph D’Allegro, National
Underwriter L&H, April 26, 1999, p. 24
Accelerated
Death Benefits Provisos on Rise, Insurance Accounting, April 19,
1999, p. 1
Market for
Healthy Insureds’ Policies Seen as Dangerous, Ron Pankoi, Best’s News,
April 9, 1999
Professionals
in Viatical Industry Welcome Clear Rules, Wm. Scott Page, Editorial, Sun
Sentinel Ft. Lauderdale, March 29, 1999.
The Lottery
on Lives, Jane Bryant Quinn, Newsweek, March 15, 1999.
Special Viatical
Issue, The Insurance Forum, vol. 26, no. 3, March 1999, p. 173.
Viatical
Settlement: What’s A Good Fit, Hal Stucker, National Underwriter L&H,
February 1, 1999, p. 8.
Group Aids
Healthy Seniors With Viaticals, M. Christian Murray, National Underwriter,
L&H, February 1, 1999, p. 33.
Viatical
Questions Mount, Jim Connolly, National Underwriter L&H, January
25, 1999, p. 1.
Fla. Seeks
More Rules on Viatical Products, Insurance Regulator, January 18,
1999, p. 8.
Viatical
Settlements: An Explanation of the Process, An Analysis of State Regulations
and an Examination of Viatical Settlements as Securities, Drake Law
Review, vol. 46 no. 4. 1998.
Dollars &
Dying Financial Options, Scott Bernard Nelson, The Tampa Tribune,
November 22, 1998
Viatical
Company Broadens Field to Buy Unneeded, Excess Life Policies of Senior
Citizens, Insurance Advocate, May 23, 1998, p. 10.
SEC Fines
Florida Viatical Company, Amy S. Friedman, National Underwriter, L&H,
May 18, 1998, p. 21.
Mixing Death
and Profit Viatical Contracts Bring Cash to Terminally Ill, Profit to
Investors, Gene Meyer, Kansas City Star, May 10, 1998.
Viatical
Companies Buying From Healthy Seniors, Amy S. Friedman, National Underwriter,
L&H, April 28, 1998.
NAIC Mulls
Privacy Options on Viaticals, Insurance Accountant, April 6, 1998,
p 1.
Accelerated
Benefit Rider Also Pays for Chronic as Well as Terminal Illness, Linda
Koko, National Underwriter, L&H, April 6, 1998
Viaticus
Fined for Mistake with Solicitation Mailings, Barbara Mannino, BestWeek,
L&H, March 9, 1998, p. 15.
Viaticus
Adds Seniors, Best's Review, L&H, December 1997, p. 89.
Aetna Catches
Flak Over Verification Fee/ Viatical Industry Critical of Policy, The
San Francisco Chronicle, Laura Castaneda, November 24, 1997, p. B2.
Banks Now
Selling Viatical Settlements, Amy S. Friedman, National Underwriter,
L&H, November 3, 1997, p 41.
A Plan for
all Ages, J. Timothy Lynch, Journal of the American Society of CLU &
ChFC. Nov, 1997, p 12
'Viatication':
a '96 Tax Act Estate Planning Opportunity, Vivienne Gilbert, National
Underwriter, L&H, October 6, 1997, p. 7.
Post-1996
Viatical Settlements Under Section 101 of the Internal Revenue Code, Robert
H. Breakfield, The National Public Accountant, October 1997, p
18.
Viatical
Settlement Firm Rethinks Target Markets, BestWeek, L&H, September
29, 1997, p 10.
New Viatical
Settlement Law Signed in California, Insurance Advocate, August
30, 1997, p. 21.
Moving Beyond
the Learning Curve, Barbara Mannino, Best's Review, L&H, August
1997, p 72.
Viatical
Model Act Adopted by NCOIL, Diane West, National Underwriter, L&H,
July 28, 1997, p. 21.
Missouri
Legislature Passes Viatical Regs, Susan Daniels, National Underwriter,
L&H, June 16, 1997, p 16.
Viaticals,
Quarterly Communiqué, Spread the Risk, Inc., Volume 3, No. 2, 1997, p
20.
New Law Has
Accelerated Benefits ‘Catch’ In it, Norse N. Blazzard & Judith A Hasenauer,
National Underwriter L&H, May 19, 1997, p. 7
Allegations
of Fraud, Deceit Encumber Viatical Industry, Sougata Mukherjee, Kansas
City Business Journal, May 16-22, 1997, p 22.
For 'Death
Futures', the Playing Field is Slippery, Marcia Vickers, The New York
Times, April 27, 1997, p F5.
Living Benefits
Become Typical on Group Life, Allison Bell, National Underwriter, L&H,
April 14, 1997, p. S4.
Mortal Danger,
Kenneth W. Faig, Jr., Best's Review, L&H, April 1997, p 66.
9th Circuit
Gives Victory to Viaticals, Victoria Slind-Flor, The National Law Journal,
March 10, 1997, p. A6.
Incontestability
Clause Trumps Imposter Defense in California HIV Case, Mealey's Insurance
Law Weekly, March 6, 1997.
New Tax Policy
Seen Creating Dramatic Increase in Use of Viatical Settlement Programs,
Insurance Advocate, March 1, 1997, p. 23.
Viatical
Settlements: Perspectives of Investors, Regulators, and Insureds, David
W. Sommer, Journal of the American Society of CLU & ChFC, March
1997, p. 54.
Death Benefits:
No longer just for beneficiaries,J. Timothy, Journal of the American
Society of CLU &ChFC, March, 1997, p 8
Tax Legislation
Affecting Individuals in 1996, Nicholas Fiore, Journal of Accountancy,
March 1997, p. 32.
Viaticals,
Communiqué, Spread the Risk, Inc., March 1997, Vol. 3, No. 1, p.
16.
SEC is Denied
Rehearing of Ruling on Viaticals, BestWeek, L&H, December 30,
1996, p. 3.
Getting Life
Insurance Death Benefits Early, Howard W. Wolosky, The Practical Accountant,
November 1996, p. 37.
Viatical
Cos. See Validation in Favored Tax Status, National Underwriter, L&H,
October 28, 1996, p. 16.
State Laws,
NAIC Regulate Viatical Settlements, Employee Benefit Plan Review,
October 1996, p. 46.
Accelerated
Death Benefits Receive Tax Preference, Employee Benefit Plan Review,
October 1996, 44p..
Landmark
Development viatical Settlement Executive Notes New Law’s Favorable Climate
for ‘Living Benefits’, Insurance Advocate, August 10, 1996, p 1.
Nature Deals
Blow to Viatical Insurers, Journal of Commerce, August 9, 1996,
p. 8A.
Despite Win
Over SEC, Viaticals May Face Threat, BestWeek, L&H, July 22,
1996, p. 3.
Doubts Ahead
for Firms that Buy AIDS Victims’ Insurance, Steve Sakson, APWire,
July 19, 1996,
Court: Viatical
Settlements Neither Fish Nor Fowl, Insurance Regulator, July 15,
1996, p. 6.
Viatical
Settlements: New Issues for Legislators, The Insurance Legislative
Fact Book and Almanac 1996, NCOIL, p 34.
Regulators,
Investors put Viaticals Under Microscope, The Actuary, May 1996,
p. 3.
Focus on
Viatical Settlements, State Health Notes, April 15, 1996, p. 4.
Viatical
firm Ordered to Obey Securities Laws, BestWeek, L&H, March
25, 1996, p. 5.
Shady Agent,
Viatical Mix Creates Recipe for Fraud, Best’s Review, L&H,
March 1996, p. 68.
Viatical
Firms Fighting Outlaw Image, Charles E. Schmidt, Jr. Best’s Review
L&H, March, 1996, p. 69
The Viatical
Industry is Coming of Age Financially, National Underwriter, L&H,
March 4, 1996, p. 5.
Viatical
Firm Still must Register with SEC, BestWeek, L&H, January 29,
1996, p. 7.
Nice Work
on Viatical Regulation, Editorial, National Underwriter, L&H,
December 11, 1995, p. 22.
Standard
& Poor’s Issues Viatical Settlement Rating Criteria, Insurance
Advocate, November 11, 1995, p 11.
Viatical
Cos. May Follow Dignity partners’ Lead, National Underwriter, L&H,
November 20, 1995 p. 5.
Viatical
Ratings Depend on Fairness, Insurance Regulator, November 13, 1995,
p. 8.
Judge Backs
Government in Viaticals Case, Insurance Regulator, September 11,
1995, p. 6.
A Helping
Hand for Terminally Ill, Business Insurance, September 11, 1995,
p. 2.
Cost Factors
Hinder Viatical Settlement Market, National Underwriter, L&H,
July 3, 1995, p. 22.
Volatile
Market, Kansas City Business Journal, Feb. 24-March 2, 1995.
The ‘Mainstreaming’
of Viatical Settlements: Market Demand Drives Phenomenal Growth, Insurance
Advocate, Feb. 25, 1995, p.18.
ACLI Supports
Accelerated Death Benefits Bills, National Underwriter, L&H,
January 30, 1995, p. 4.
Tax Break
for Viatical Recipients Included in GOP’s ‘Contract’ Agenda, BestWeek,
P&C, Jan. 16, 1995, p 15.
What you
need to know about accelerated benefits. ACLI. (brochure) circa
1995
Terminally
Ill Employees Grapple With Benefits Issues, The Wall Street Journal,
December 29, 1994.
Viatical
Settlements not Enticing Many Insurers, National Underwriter, L&H,
Dec. 5, 1994, p 55.
Viatical
Companies Seem Ready to Embrace Regulation, National Underwriter, L&H,
November 28, 1994, p. 21.
Regulating
Viatical Transactions, FICC Quarterly, Fall 1994, p. 85.
NAIC Adopts
Regulation Outlining Stiffer Rules for Viatical Companies, BNA’s Health
Care Policy Report, September 26, 1994, p. 1668.
Pomeroy:
More Viatical Issues Need Exploring, National Underwriter, L&H,
September 5, 1994, p. 74.
AIDS and
the Trusted Advisor, Best's Review, L&H, September 1994, p.
37.
SEC Sues
Life Partners Inc., Alleging Illegal Brokering of Insurance Policies,
The Wall Street Journal, August 26, 1994, p. A2.
More Insurers
Offer Living Benefits Option to Groups, National Underwriter, P&C,
August 22, 1994, p 21.
Insurers
Add Living Benefits to Group Life, National Underwriter, L&H,
July 18, 1994, p. 7.
Life Insurance,
Imminent Death and Accelerated Benefits, Journal of the American Society
of CLU & ChFC, May 1994, p. 84.
Five Year
Old Viatical Settlement Business Growing, National Underwriter, L&H,
Feb. 21, 1994, p. 3.
Beating the
Grim Reaper, or Just Confusing Him? Examining the Harmful Effects of Viatical
Settlement Regulation, J. Marshall Law Review, Vol. 27, p. 581,
1994
Regulators
Target Brokers Who Acquire Insurance Policies from AIDS Patients, Associated
Press, September 21, 1993.
AIDS Patients
Reap Benefits by Selling Their Insurance, The Boston Globe, July 25, 1993.
The Taxation
of Accelerated Benefits Under a Life Insurance Contract, Journal of
the American Society of CLU & ChFC, July 1993, p. 38.
Clarifying
Living Benefits Regulation, Best's Review, June 1993.
Clarifying
Living Benefits Regulation, Best's Review, L&H, June 1993,
p. 44.
LTC and Living
Benefits Riders, California Broker, April 1991.
Life Insurance
for the Living, CRS Report for Congress, March 16, 1990.
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