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(Click for frequent words.) 79 policyholder 70 Policyholders 70 insureds 70 insurers 68 insurer 62 insurance 62 reinsurers 62 Insurers 61 Insurance 59 reinsurance 59 premiums 59 policyowners 57 windstorm deductibles 56 FAIR Plan 56 TWIA 56 Allstate 55 reinsurer 55 Insurer 55 casualty insurers 55 Equitable policyholders 55 Policyholder 54 ISMIE 54 Allstate Floridian 54 policyholder dividends 54 profits annuitants 53 advocate Clare Spottiswoode 53 insurance premiums 53 CGNU Life 53 FHCF 53 homeowners 52 Reinsurers 52 Texas Windstorm Insurance 52 OIR 52 NFIP 52 annuitants 52 JUA 52 insured 52 Lotane 52 Casualty Insurance Co. 52 reinsuring 51 Lloyd syndicates 51 guaranty associations 51 Mediclaim policy 51 Donelon 51 MAIF 51 casualty insurance 51 ANICO 51 UM UIM coverage 50 claims adjusters 50 Stranger Originated Life 50 Life Insurance 50 annuities 50 RenaissanceRe 50 nonrenewals 50 Specialty Lines 50 Bob Lotane spokesman 50 FEGLI 50 spokesman Dick Luedke 50 underwriting 50 Hiscox Bermuda 50 RRGs 50 Ambac Assurance 50 AIK Comp 50 Indemnity 50 underinsured motorist coverage 50 workers' comp 50 policyowner 49 life assurers 49 claimants 49 Allstate Indemnity 49 workers comp 49 insurer Equitable Life 49 nonlife insurance 49 actuarially sound 49 multiperil 49 WAEPA 49 Jerry Hagins 49 MVRs 49 life assurer 49 reinsures 49 BillingCenter 49 reinsurance treaties 49 Lisanbys 49 Liability Insurance 49 Citizens Property 49 policyholder surplus 49 reattribution 49 Medicare beneficiaries 49 MEMIC 49 Insurance VPI 49 Montpelier Re 49 CGNU 49 Mutual Insurance 49 Insurance Regulation OIR 49 catastrophe reinsurance 49 actuarial 49 viatical settlement 49 annuity 49 adjusters 49 NYSHIP 48 professional indemnity 48 casualty insurer 48 CommInsure 48 IFAs 48 spokesman Ed Domansky 48 RenRe 48 Allmerica 48 Dick Luedke spokesman 48 Critical Illness Insurance 48 CULAC 48 variable annuities 48 Personal Injury Protection 48 cedents 48 Lynne McChristian 48 Insureds 48 Superintendent Mila Kofman 48 Medicare Supplement 48 Casualty Insurance 48 Mississippi Windstorm Underwriting 48 ClaimCenter 48 professional indemnity PI 48 Workers Compensation Insurance 48 Joint Underwriting 48 nonadmitted 48 self insured retentions 48 lapsation 48 Underwriting 48 NAIC 48 Jeevan Aastha 48 Reinsurance 48 surance 47 Rich Halberg 47 nongroup 47 QBE 47 outwards reinsurance 47 Dyoll 47 PruProtect 47 actuarially justified 47 MGUs 47 Insurance Underwriting 47 NYSIF 47 Mr Makove 47 Jim Donelon 47 ACandS 47 British Insurers ABI 47 RAAs 47 variable annuity 47 ProMutual 47 NYPIUA 47 Guardrisk 47 Syncora 47 PacAdvantage 47 uninsureds 47 cedent 47 Surplus Lines 47 reinsured 47 Slome notes 47 TennCare recipients 47 Prevented planting 47 depositors 47 actuarial soundness 47 Siemienas 47 Commissioner Diane Koken 47 demutualization 47 Allstate Floridian Indemnity 47 Mike Geeslin 47 Allstate Floridian Insurance 47 underinsured motorist 47 Equitable Life policyholders 47 Automobile Insurance 47 Sallie Hillmon 47 Ed Domansky spokesman 47 PIFC 47 assurer 46 windpool 46 HealthChoice 46 ReliaStar 46 IBNR reserves 46 PXRE 46 Kuczwanski 46 Superintendent Alessandro Iuppa 46 uninsured underinsured motorist 46 HMO 46 equity indexed annuities 46 insurability 46 Axa 46 Balboa Reinsurance 46 AmerInst 46 Blue Cross 46 spokesman Fraser Engerman 46 nonlife insurers 46 Fireman Fund 46 Insurance Cos. 46 inforce 46 assurers 46 UPCIC 46 Personal Lines 46 nonrenewed 46 Uninsured motorist 46 MBIA 46 reinsure 46 Uninsured Motorist 46 FX McCahill 46 WholesaleInsurance.net 46 Beazley syndicates 46 Rosanne Placey spokeswoman 46 cedants 46 Unum Provident 46 subrogation 46 deductibles 46 SUNZ 46 savers 46 Homeowners Choice 46 persistency 46 Reinsurance Assumed 46 Conseco Insurance 46 BestWire 46 retrocessionaires 46 Accident Forgiveness 46 Nick Prettejohn 46 Gerling Global 46 Encompass Floridian Indemnity 46 Hurricane Catastrophe Fund 46 Employers Liability Compulsory 46 payouts 46 ICHEIC 46 Commissioner Sean Dilweg 46 spokeswoman Kristin Binns 46 viatical 46 Paymentshield 46 Medmarc 46 Swiss Re 46 Reinsurance recoverables 46 DMHC 46 GuideOne 46 Scottish Equitable 46 noninsured 46 IBNR 45 contingent commissions 45 Excess Casualty 45 Munich Re 45 Lloyd Syndicates 45 Critical Illness Cover 45 Professional Liability Insurance 45 Allstate Geico 45 adjustors 45 Ms Spottiswoode 45 Critical Illness 45 Meiji Yasuda 45 Companies ACIC 45 keyman insurance 45 XLFA 45 Medigap policies 45 fixed annuities 45 viaticals 45 Firemans Fund 45 RSUI 45 recoupments 45 insures 45 FGIC 45 Mutual 45 Irda 45 IRDA 45 Assurant Health 45 HealthMarkets 45 casualty reinsurance 45 CastlePoint Re 45 LT Senter Jr. 45 insurer Chaucer 45 Long Term Disability 45 EAIG 45 ceded reinsurance 45 NAICO 45 indexed annuity 45 Bermuda reinsurers 45 nonadmitted insurance 45 Florida Hurricane Catastrophe 45 mis selling 45 spokeswoman Rosanne Placey 45 FSCO 45 VALIC 45 mediclaim policies 45 VLCT 45 VPI Pet Insurance 45 Aegon Religare 45 NFU Mutual 45 actuarially 45 INSURANCE 45 confiscatory penalties 45 Aviva 45 EQC 45 Variable Universal 45 Scottish Provident 45 Julianne Bowler 44 Medigap 44 AVCs 44 actuaries 44 Ambac Assurance Corporation 44 Darras 44 UnumProvident 44 indemnity 44 BCBSD 44 Encompass Insurance 44 AmCOMP 44 adjuster 44 Equitable Life 44 giant Fortis NV 44 Persistency 44 Lifemark 44 AutoOne 44 nonstandard automobile 44 FINEOS Claims 44 AIG 44 HMOs 44 Eileen Mallow 44 LTCI 44 retrocessions 44 EUTF 44 MBIA Insurance 44 malpractice insurance 44 underinsurance 44 Medicare Advantage 44 reinsurance recoveries 44 PurinaCare Pet Health 44 retrocessional 44 Converium 44 spokeswoman Kate Hollcraft 44 Donegal Mutual 44 finite reinsurance contracts 44 Insurance Brokers Association 44 CastlePoint Insurance 44 overinsured 44 Ambac 44 borrowers 44 WCIRB 44 Casualty 44 proc fees 44 Kristin Milam 44 CIGA 44 Retirement Annuity 44 Mark Delegal lobbyist 44 Unitrin 44 Fraser Engerman 44 Ambac Assurance Corp 44 Santam 44 mediclaim 44 FEMA Kinerney 44 reversionary bonus 44 monoline 44 Byron Udell founder 44 Workers Comp 44 Workers Compensation 44 NJM 44 Kristin Binns spokeswoman 44 Ageas 44 MVAs 44 Bill Sirola 44 workers' compensation 44 Assigned Risk 44 spokesman Bill Mellander 44 Inc. NASDAQ HCII 44 Scottish Amicable 44 John Kuczwanski 44 Judy Guice 44 nonparticipating providers 44 Nodak Mutual 44 actuarially sound rates 44 Life Assurance 44 deferred annuity 44 Hannover Re 44 deferred annuities 44 Skandia Liv 44 Julie Rochman spokeswoman 44 UIM coverage 44 insurers reinsurers 44 Professional Indemnity 44 VAT PAYE 44 Marita Zuraitis president 44 ConnectiCare 44 Medicare Advantage enrollees 44 insurer Kiln 44 Eric Hardgrove 44 Chartis enables 44 Landsbanki Guernsey 44 Fund FHCF 44 skyrocketing malpractice 44 smash repairers 44 Ironshore 44 homeowner 44 FSCS 44 detariffed regime 44 chairman Vanni Treves 44 uninsured motorist 43 CSHI 43 PPF levy 43 ratepayers 43 Guidewire Insurance 43 Triad Guaranty 43 LifeSearch 43 NBCR risks 43 Assurant 43 Patrick Snowball 43 PLICO 43 HumanaOne 43 Plan OHIP 43 ULIP 43 uninsurables 43 Selects Guidewire 43 MyRate 43 Isa savers 43 occupational pensions 43 ceding commissions 43 NASDAQ ANAT 43 Ulip 43 Ulips 43 Poolman 43 Coverage EPIC 43 Segregated Account 43 DirigoChoice 43 windstorm 43 FIGA 43 Crop Hail 43 FEHBP enrollees 43 QIL 43 finite reinsurance 43 medically underwritten 43 TennCare enrollees 43 usaa.com 43 IPCRe 43 Canopius 43 ParallelPay 43 AmerUs 43 Mary Beth Senkewicz 43 indexed annuities 43 Liability Coverage 43 Coverages 43 Policyholder benefits 43 disciplined underwriting 43 reattribute 43 reinsurance reinstatement 43 OBPI 43 HomeWise Insurance 43 Annuity 43 Syncora Guarantee 43 MIIA 43 malpractice premiums 43 Weisses misrepresented 43 reinsureds 43 BestWire Feb. 43 LTCi 43 Amex GAN Dallas 43 cedant 43 BCBS 43 recoverables 43 TPAs 43 actuary 43 Mine Subsidence Insurance 43 GeoVera 43 Regence BlueCross 43 claims adjustors 43 Berkshire Hathaway Reinsurance 43 Terry Lisotta 43 Buchmueller 43 Bob Lotane 43 Ambac Assurance Corp. 43 nbAccelerator 43 Millea Holdings Inc. 43 Domansky 43 Continental Casualty 43 Travelers Indemnity 43 Chaucer Holdings 43 NTUC Income 43 planholders 43 MedAmerica 43 Source Keoghs 43 Van Faasen 43 TIG Insurance 43 FirstComp 43 enrollees 43 www.geico.com 43 Sum Assured 43 Trenwick 43 Adjusters 43 FaithGuard 43 viatical settlements 43 Policyholder Advocate 43 IndyMac depositors 43 Sword AgencyPort 43 adjustor 43 Variable Annuity 43 Caremark 43 Stephan Christiansen 43 GMIB 42 Jesse Slome executive 42 FAFLIC 42 PBGF 42 mutuals 42 MONY 42 Trip Assured 42 mediclaim policy 42 Radian Asset 42 Travelers Indemnity Company 42 Statutory surplus 42 MGIC 42 misselling 42 Fish Parcham 42 USAA Casualty Insurance 42 EPLI 42 HDFC Chubb 42 Viatical 42 Equitas 42 NYSID 42 Royal Liver 42 COBRA continuation 42 Joseph Annotti spokesman 42 Bethlehem Steel retirees 42 Disaster Response Organisation 42 Insurance Facility CCRIF 42 Liberty Mutual 42 RLI specialty 42 Claims adjusters 42 collateralized reinsurance 42 Immediate annuities 42 deductible 42 Disability Insurance 42 reinsurance recoverables owed 42 Crop1 42 WR Berkley 42 depositers 42 Merastar 42 unsubsidized COBRA 42 Promina 42 insurnace 42 Chartis 42 insurees 42 STOLI transactions 42 COLI BOLI 42 ULIPs 42 CIFG 42 reinsurance ceded 42 Marketform 42 copayments deductibles 42 Goodhealth 42 Chief Executive Jacques Aigrain 42 Sagicor Life 42 PFFS 42 ProCentury 42 NAHU 42 intercompany reinsurance 42 Medical Malpractice Joint 42 Blue Shield 42 Professional Liability 42 IVANS 42 Bermuda reinsurer 42 DTRIC 42 MIICL 42 Annotti 42 UM UIM 42 OHIC 42 Home Warranty 42 Universal Underwriters 42 de tariffed 42 Transamerica Occidental Life 42 Indemnity Co. 42 actuarial calculations 42 Malcolm Tarling 42 nonlife 42 Garamendi 42 SAYE schemes 42 Delegal 42 ACLI 42 Casualty Insurance Guaranty 42 Separate Account 42 Vioxx prescriptions 42 CLICO policyholders 42 Dirigo Choice 42 Unitrin Direct 42 exclusion clauses 42 MIIX 42 Countryway 42 Thomas V. Cholnoky 42 USI Affinity 42 Chief Executive Ramani Ayer 42 rescissions 42 reinsurance recoverables 42 Assured Guaranty Re 42 Insurancewide 42 Genevieve Broussard 42 AALTCI 42 George Ruebenson 42 mortgagors 42 Medicare Advantage PFFS 42 claimant solicitors 42 Indemnity Insurance 42 Nicole Mahrt spokeswoman 42 Hiscox 42 Ed Domansky 42 reinsurers Munich Re 42 value reductions MVRs 42 USAble Life 42 retirees 42 bancassurer 42 Anthem WellPoint 42 consolidator Resolution 42 Variable Annuity Life 42 moneyback 42 London LOL.UL 42 Ngalwana 42 spokeswoman Jennifer Wislocki 42 insurable 42 grossly underinsured 42 Andy Goldby 42 Annuities 42 KICO 42 insurer MBIA Inc. 42 CompWest 42 policyholder retention 42 Valiant Specialty 42 Syncora Capital 42 Medicare enrollees 42 medical malpractice 42 Lawyers Professional Liability 42 variable annuity reinsurance 42 premiums copays 42 Subrogation 42 PEHP 42 Gary Bhojwani 42 Pension Bima Yojana 42 SSIA savers 42 NYMAGIC 42 SGLI 42 Mellander 41 FSCS levy 41 Liz Zlatkus 41 coverholder 41 Jay Gelb 41 Salaam Halal 41 scalability Guidewire solutions 41 Lloyds 41 Jeevan Varsha 41 ICHIP 41 RACQ Insurance 41 Mbask 41 Alfa Mutual 41 UnitedHealthcare 41 Roger Sevigny 41 Fortis Holding 41 Kansas Bankers Surety 41 OneBeacon Insurance 41 Aegon Religare Aviva 41 PolicyCenter 41 Homeowners 41 Iffco Tokio 41 CoverColorado 41 Caribbean Catastrophe Risk 41 CastlePoint 41 Autopac 41 noninsurance 41 injurers 41 iPartners 41 GARs 41 PrefSure 41 HEMIC 41 HSBC Insurance Brokers 41 reinsurers Swiss Re 41 Medicaid recipients 41 MAG Mutual 41 Medicare HMOs 41 Seguros ING 41 Unum 41 STOLI 41 Contractors Bonding 41 Insurance Commissioners NAIC 41 Medicare Supplement Earned 41 TMLT 41 Swiss Re RUKN.VX 41 UILIC 41 WellPoint Anthem parent 41 Medicare recipients 41 Lumbermens 41 covering elective abortions 41 Stephen Haddrill 41 Assurant Solutions 41 Keydata 41 Fixed Annuity 41 Sandy Crombie 41 Tony Kuczinski 41 Mcare 41 missold 41 Jim Poolman 41 Underwriter 41 Casualty Insurance Company 41 Slome explains 41 Unitrin Specialty 41 Equitable 41 Frederick H. Eppinger 41 MGAs 41 Amlin 41 UnitedHealthCare 41 SIPPs 41 spokesman Ioannis Kazanis 41 MPPI 41 Travelers NYSE TRV 41 workersa compensation 41 BrickStreet 41 Admin Re 41 AMP Sanmar 41 Compensation Scheme FSCS 41 Eureko 41 Phil Supple 41 unitised 41 cashless mediclaim 41 XLCA 41 AEIX 41 BestLink 41 detariffed 41 BlueCare 41 CGU 41 SBLI USA 41 PEEHIP 41 Illinois Mine Subsidence 41 AmAssurance 41 HDFC Ergo General 41 Leonards 41 James Wrynn 41 PFFS plans 41 shareholders 41 Sri Lanka IBSL 41 PPO HMO 41 Mark Zesbaugh 41 www.safeco.com 41 commissioner Steve Poizner 41 Reinsurer 41 ACORD standards 41 Variable annuities 41 Navigators Specialty 41 Workman Comp 41 cash Isas 41 Mcare Fund 41 Jose Montemayor 41 renters 41 Chief Actuary 41 Bajaj Allianz 41 Tomlinsons misrepresented parts 41 Generali 41 Worker Compensation 41 Assurance 41 GuideOne Insurance 41 contributions NICs 41 certificateholders 41 Future Generali 41 Ansvar 41 pension schemes 41 takaful operators 41 NASDAQ OCAS 41 Insurancewide.com 41 MRMIB 41 insure 41 Mr. Mathas 41 Chola MS 41 agents brokers MGAs 41 WellCare 41 & SunAlliance 41 Petplan 41 PurinaCare 41 Aetna Anthem 41 Fixed annuities 41 Inviva 41 CEO Bruce Bodaken 41 Lloyd Syndicate 41 Immediate Annuity 41 ratemaking 41 CMTPL 41 compulsory insurances 41 Property Casualty 41 Montpelier Reinsurance Ltd. 41 Umbrella Liability 41 Igal Mayer 41 CIGNA 41 GEICO Indemnity 41 insur ance 41 Swiss Reinsurance 41 Cholamandalam MS General 41 USAA 41 AM Best 41 L' Unique 41 Hiscox plc 41 uninsured 41 RMK Funds 41 Groups Directive IGD 41 Demotech 41 PCIP 40 SSIA holders 40 Renter insurance 40 Amlin Bermuda 40 detariffing 40 AvMed Health 40 IWIF 40 Specialty Reinsurance 40 commercial multiperil 40 PacifiCare 40 PMS savers 40 LPHI 40 BAICO 40 Torus Insurance 40 Risk Retention Groups 40 unitholders 40 advisers IFAs 40 USHEALTH Group Inc. 40 Ellen Melchionni 40 HomeWise 40 BOLI COLI 40 Cigna 40 NCCI 40 American Amicable 40 ULIPS 40 Allstate Indemnity Co. 40 med mal 40 ProMutual Group 40 Mediclaim 40 merchant chargebacks 40 Medicare Advantage Plans 40 Amica Mutual 40 Domestic Brokerage 40 Mitsui Sumitomo Insurance 40 Companies NAMIC 40 Deductible 40 Professional Liability PL 40 Casualty Ins 40 Grain Dealers 40 claims adjuster 40 VGLI 40 Loretta Worters spokeswoman 40 WellPoint Anthem Blue 40 CarInsurance.com 40 Underwriting Officer 40 uncollectible reinsurance 40 occupational pension 40 Invesco Assurance 40 coinsurance 40 insurance.com 40 Underinsurance 40 Excess Liability 40 EUR1 #mn 40 captive reinsurance 40 Underinsured Motorist 40 Multi Peril 40 BlueChoice 40 Aetna 40 Advantra Freedom 40 multiline insurer 40 AFLIC 40 Thunderhead NOW 40 Alessandro Iuppa 40 Royal Sundaram 40 ProAssurance 40 PRSAs 40 Producer Registry NIPR 40 HMO PPO 40 Ross Buchmueller 40 underinsuring 40 PLIC 40 GMWB 40 StanCERA 40 Validus Holdings 40 reinsurer IPC 40 Sipps 40 deferred variable annuity 40 EquiTrust Life 40 Empire BlueCross 40 Transatlantic Holdings 40 xii downgrades 40 deductibles copayments 40 ineligible dependents 40 ob gyns 40 repairers 40 STANDARD Life 40 professionals NAMIC dailyLead 40 GV Nageswara Rao 40 ING Vysya Life 40 HSA enrollees 40 ILWs 40 Ironshore Insurance 40 Whit Cornman spokesman 40 ReliaStar Life Insurance 40 CEO Charles Brindamour 40 BancInsure 40 Louisianians 40 Guaranty Insurance 40 HGIC 40 Hiscox Guernsey 40 ING Asigurari de Viata 40 Syncora Holdings 40 payout 40 DRPs 40 Medicare HMO 40 MMIP 40 property catastrophe reinsurance 40 UICI 40 Gerhard Joubert 40 AXA 40 Unit Linked 40 HDFC Ergo 40 Annuity Direct 40 Praetorian Financial 40 Bharti AXA General 40 Proformance Insurance 40 Tan Kin Lian 40 MCEV 40 CFO Sink 40 CUMIS 40 CCRIF 40 pleural plaques sufferers 40 subsidized COBRA 40 Fedsure 40 ANPAC 40 Gross Written Premiums 40 eRisk Hub 40 Coregis 40 Skandia 40 MIRMA 40 Rajesh Sud 40 SGLI coverage 40 homeowners renters 40 Barrie Cornes 40 Century Indemnity 40 Katsipis 40 Guidewire ClaimCenter 40 Michigan Catastrophic Claims 40 Scor 40 Fixed Annuities 40 Max Bupa 40 Equitable Life debacle 40 Tina Shortle marketing 40 Lifesearch 40 Empire Surplus Lines 40 PVNBP 40 AMERISAFE INC. AND SUBSIDIARIES 40 Chamber BlueOptions 40 MediCare International 40 NAIFA 40 PruHealth 40 Zenkyoren 40 solvency 40 GeoVera Insurance 40 fixed indexed annuities 40 John Raguin 40 Indexed annuities 40 trivial commutation 40 Symbility Solutions automates 40 HSA HDHP 40 superannuants 40 Commission EQC 40 Womer Benjamin 40 adjusted capitalization 40 Allianz Leben 40 Temporary Disability 40 insurer Aviva 40 Crop Insurance 40 Friends Provident 40 Sophie Harbert 40 Assicurazioni Generali 40 variable annuity guarantees 40 BCBSM 40 LWCC 40 Bajaj Allianz Life 40 WTC Captive 40 Binnun 40 Deductibles 40 Harleysville Mutual 40 Dyoll Insurance Company 40 GAB Robins 40 AMP Sanmar Life 40 BSLI 40 Swiss Re Capital Markets 40 SGIC 40 Medi Share 40 P. Nandagopal 40 Rade Musulin 40 Nipponkoa 40 Patrick Thiele 40 XL Reinsurance 40 subrogate 40 NYIA 40 Safeco 39 Plans ULIPs 39 QBE Insurance Group 39 Clive Bannister 39 CAMICO 39 Underwriters 39 GMWBs 39 Jeworrek 39 AmerUs Group 39 V. Serio 39 InterSecurities 39 WellPoint Anthem 39 MediShield 39 IFFCO Tokio 39 NCOIL