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(Click for frequent words.) 50 nonadmitted 48 spokesman Ed Domansky 47 IIABA 47 LRRA 47 RRGs 46 WCIRB 45 actuarially justified 45 agents brokers MGAs 45 FAIR Plan 45 GeoVera 45 spokeswoman Kristin Binns 44 scalability Guidewire solutions 44 Molasky Arman 44 nonstandard automobile 44 guaranty associations 44 Lotane 44 nonadmitted insurance 44 OHIC 44 Wrynn 43 Anthem WellPoint 43 Connecticut Interlocal Risk 43 ratemaking 43 policyholder surplus 43 CompSource 43 NBCR risks 43 cedents 43 NAICO 43 COBRAGuard 43 windstorm deductibles 42 AmerInst 42 ICHIP 42 Demotech 42 FinCor 42 NCOIL model 42 Medicare Secondary Payer 42 Workers comp 42 actuarial soundness 42 MGAs 42 TMLT 42 Kristin Binns spokeswoman 41 uninsured underinsured motorist 41 David Gower P.Geo 41 Workers Compensation Insurance 41 insurance 41 OIR 41 Professional Liability Insurance 41 merchant chargebacks 41 nonrenewals 41 Angoff 41 FSCO 41 Weiss Ratings 41 UM UIM coverage 41 Joel Ario 41 McCarran Ferguson 41 XGen Nevis Island 41 FHCF 41 spokeswoman Rosanne Placey 41 Allstate Indemnity 41 McCarran Ferguson Act 41 attorney Wil Florin 41 Womer Benjamin 40 self insured retentions 40 NAIC 40 workers comp 40 Clinger Cohen 40 DHSMV 40 BISHCA 40 Provider Synergies 40 NYIA 40 HealthChoice 40 Diane Koken 40 SUNZ 40 allowable copays 40 Dirigo Choice 40 Insurance Regulation OIR 40 Uninsured motorist 40 Eileen Mallow 40 Mary Beth Senkewicz 40 NYSIF 40 Risk Retention Groups 40 Dunmoyer 40 ProMutual Group 40 Sircon 40 Excellus BCBS 40 MPLI 40 Medmarc 40 PCIP 40 PIFC 40 farmowners 40 Nodak Mutual 39 USHEALTH Group 39 Medicare Advantage Plans 39 copayments deductibles 39 AmCOMP 39 insureds 39 Gausewitz 39 workers' compensation 39 Personal Injury Protection 39 Superintendent Alessandro Iuppa 39 workers' comp 39 Sandy Praeger 39 ABX1 1 39 Rosanne Placey spokeswoman 39 Quotit 39 DirigoChoice 39 Ms. Ignagni 39 Bureau WCIRB 39 NYSHIP 39 xii downgrades 39 Allstate Floridian Indemnity 39 Blue Cross 39 Alessandro Iuppa 39 Joseph Annotti 38 TWIA 38 Mila Kofman 38 Antonakes 38 DTRIC 38 FirstComp 38 WellPoint Anthem 38 UPCIC 38 AMERISAFE 38 Plan OHIP 38 Brightway Insurance 38 FEHBP enrollees 38 SelectHealth 38 Slome notes 38 Specialty Lines 38 BrickStreet 38 N Rangachary 38 windpool 38 Ernst Csiszar 38 MGUs 38 Poolman 38 Professional Liability PL 38 Pharmacists Mutual 38 IIABNY 38 M. Diane Koken 38 IVANS 38 Allstate Floridian 38 von Ebers 38 Annuity Transactions Model 38 Administration AHCA 38 CrisisResponse 38 SeaBright 38 OMIG 38 variable annuity reinsurance 38 Doug Ommen 38 insurers 38 ARMtech 38 Liability Risk Retention 38 HomeWise 38 BillingCenter 38 Uni Ter 38 Empire BlueCross 38 Insurance 38 NYSID 38 Commissioner Diane Koken 38 FX McCahill 37 surance 37 Highline Data 37 James Wrynn 37 copayments coinsurance 37 ACORD XML 37 Crop1 37 CareHere 37 FDAAA 37 MMSEA 37 Surplus Lines 37 FHFB 37 underinsured motorist UIM 37 HealthMarkets 37 Belshé 37 disciplined underwriting 37 HSCRC 37 MRMIB 37 indexed annuities 37 Beazley syndicates 37 Kansas Bankers Surety 37 McRaith 37 EAIG 37 RIMS Benchmark Survey 37 Understanding BCAR 37 premiums 37 Medigap policies 37 Domansky 37 SBLI USA 37 Fac Re 37 Indvik 37 SCPIE 37 Subrogation 37 CIRMA 37 Trip Assured 37 PXRE 37 Ed Domansky spokesman 37 actuarially sound rates 37 Risk Retention Group 37 Advisen Ltd. 37 FIGA 37 PEOs 37 Roebig 37 ACORD standards 37 Van Faasen 37 UM UIM 37 SERFF 37 Triad Guaranty 37 actuarially sound 37 noncovered 37 USI Affinity 37 Ignani 37 Kermitt Brooks 37 covering elective abortions 36 Gregory Serio 36 Firemans Fund 36 HealthMetrix Research 36 NASCUS 36 Fiermonte 36 NAHU 36 MHPAEA 36 RAAs 36 MedAmerica 36 Conventus 36 MEMIC 36 AutoOne 36 reinsurance intermediaries 36 Chris Goetcheus 36 JUA 36 Medicare Advantage PPO 36 AHQA 36 Allstate Floridian Insurance 36 retrocessional reinsurance 36 Sean Dilweg 36 CTPL 36 TWCC 36 CFO Sink 36 Workers Comp 36 ProMutual 36 Florida Hurricane Catastrophe 36 noninsurance 36 underinsured motorist coverage 36 nonparticipating providers 36 Weldin Stewart 36 MedSolutions 36 SoonerCare 36 Proposing Release 36 CoverColorado 36 DMHC 36 FUTURITY FIRST 36 equity indexed annuities 36 Property Casualty Insurance 36 becoming GreenPowerhouse TM 36 Directorship magazine 36 OneShield Dragon 36 Iuppa 36 medigap 36 NRRA 36 PPO POS 36 NAII 36 Starkowski 36 FEHBP 36 prudential oversight 36 Medigap 36 GNY 36 BancInsure 36 Medicare Advantage HMOs 36 Board MSRB 36 ISMIE 36 Inviva 36 TitlePLUS 36 Companies ACIC 36 Csiszar 36 Ambac Assurance Corporation 36 Intellect SEEC 36 multiperil 36 DCBS 35 Reinsurers sell 35 Seibels Bruce 35 policyholder retention 35 Compensation Insurance 35 med mal 35 FirstBest 35 Uninsured Motorist 35 Ruebenson 35 BCBSND 35 HDHPs 35 Medical Malpractice 35 Dirigo Health 35 FSLA 35 AFGI 35 AHCA 35 Mr Makove 35 FinCor Solutions 35 Michael McRaith 35 Captive Insurance Companies 35 Guardrisk 35 cedants 35 tarmac stranding 35 reinsurance 35 Sagicor Life 35 Assurity Life 35 workman compensation insurance 35 frivolous malpractice lawsuits 35 MCare 35 Medicare Advantage 35 policyholders 35 Geoff Souser Progressive 35 Bob Lotane 35 XDimensional 35 Bourhis 35 Amex GAN Dallas 35 coverages 35 Grinnell Mutual 35 Torsten Jeworrek Munich Re 35 MAIF 35 Bob Lotane spokesman 35 workers' compensation insurance 35 multiemployer pension plans 35 Cladouhos 35 PacificSource 35 uninsured motorist 35 nonadmitted basis 35 Michael T. McRaith 35 Kristin Milam 35 AssuranceAmerica 35 professionals NAMIC dailyLead 35 premiums copays 35 BestWire 35 policyholder 35 Reinsurance recoverables 35 Groups Directive IGD 35 Wyncrest Group 35 Dr. Fombonne 35 Univest Insurance 35 FSOC 35 Jay Angoff 35 Hurricane Catastrophe Fund 35 Medicare Set Asides 35 nongroup 35 Umbrella Liability 35 Insurance Commissioners NAIC 35 Gedwed 35 fixed indexed annuities 35 CastlePoint Re 35 Wallison 35 CIAB 35 Wu Dingfu 35 viatical settlement 35 CBIZ Benefits 35 Industrial Siting Council 35 NFIP 35 healthinsurance 35 Ansvar 35 BCBS 35 CAMICO 35 Insurancewide.com 35 policyholder dividends 35 Lloyd syndicates 35 Eleanor Kitzman 35 ASCnet 35 Julianne Bowler 35 CLHIA 34 ACandS 34 Richard RJ Eskow 34 Daniel Goelzer 34 Delegal 34 Klebaum 34 EUTF 34 HMOs 34 ERISA preemption 34 DISB 34 Insure Oklahoma 34 AccessTN 34 FDIC 34 BestWire Feb. 34 Medicare Supplement 34 Pete Kuhnmuench executive 34 PEBB 34 Praeger 34 IPCRe 34 Jerry Hagins 34 Jose Montemayor 34 DentaQuest 34 HMO 34 AMERISAFE actively markets 34 policyowner 34 CCH INSURANCE SERVICES 34 Mcare 34 Minimum Continuing 34 Jimi Grande 34 Insurance Commissioner Nonnie 34 Mastercard Visa accepted 34 Administration NCUA 34 Proposed Regulations 34 UICI 34 Highmark 34 Triad Guaranty Insurance 34 thoroughness 34 MIIA 34 Lloyd Syndicates 34 Genworth Mortgage 34 PLIC 34 medical malpractice 34 Regence BlueCross 34 Whit Cornman spokesman 34 workmen compensation 34 PIANY 34 Med mal 34 indexed annuity 34 Dinallo 34 Rule 2a 7 34 Nonadmitted 34 Insurity 34 Assurant Inc 34 BCBSMT 34 Janet Trautwein 34 ACLI 34 ERISA fiduciary 34 underinsured motorist 34 ANICO 34 VFIS 34 Brickstreet 34 RenaissanceRe 34 Medical Malpractice Insurance 34 eAutoclaims 34 Excess Liability 34 CSBS 34 IBAO 34 AHPs 34 Property Casualty 34 ProAssurance 34 Ann Womer Benjamin 34 Dr. Mangiero 34 Streur 34 Subtitle B 34 PPACA 34 NCOIL 34 CarInsurance.com 34 Sri Lanka IBSL 34 broker Lockton 34 FINEOS 34 MAG Mutual 34 PPO HMO 34 Radian Asset Assurance 34 MarketStance 34 AIK Comp 34 NCRIC 34 workmen comp 34 professional indemnity PI 34 deductibles coinsurance 34 Starr Indemnity 34 Kreidler 34 Roger Sevigny 34 malpractice suits 34 DeToy 34 NICB 34 PIANJ 34 Loser Pays 34 CompWest 34 Tillinghast Towers Perrin 34 GoHealth Workplace 34 Transatlantic Reinsurance Company 34 CAPCOs 34 BCAR 34 Stranger Originated Life 34 Empire Surplus Lines 34 PPO EPO 34 WEA Trust 34 Bancinsurance 34 Wellmark 34 NCCI 33 nonstandard auto 33 IWIF 33 MarketScout 33 reinsurance recoverables 33 VOSHA 33 Epack Extra 33 PacificComp 33 SignatureOne Ceremony Server 33 Liquor Liability 33 deductibles copays 33 malpractice insurance 33 AARMR 33 reinsurers 33 Professional Liability 33 Medicaid 33 CompSource Oklahoma 33 prosecutive 33 ETAAC 33 NAIC Suitability 33 Captive Insurance 33 COBRA continuation 33 Ingenix databases 33 Worker Comp 33 NARUC 33 GNAIE 33 HSAs 33 Mark Stinneford 33 Kalberman 33 Coverages 33 BlueChoice 33 HOW YOU CHOOSE 33 AHIP 33 CLRG 33 BrickStreet Insurance 33 tort reform 33 Prevailing Wage Law 33 Miles Beacom 33 KHPA 33 liability 33 subparagraph b 33 actuarially 33 Medi caid 33 Self Insured 33 Wolburgh Jenah 33 PIACT 33 CHIP reauthorization 33 Is 33 HCSC 33 Employers Liability Compulsory 33 CNSF 33 Waltuch 33 insured 33 enacting tort reform 33 BCBSKC 33 GoHealthInsurance.com 33 diligence 33 UIM coverage 33 Homeowners Choice 33 property catastrophe reinsurance 33 Mike Geeslin 33 tenacity 33 Lockton Cos. 33 Listings Qualification Panel 33 Uninsured Motorist Coverage 33 PacAdvantage 33 EPLI 33 Ambac 33 MESSA 33 professional indemnity 33 reinsurance treaties 33 Ingenix database 33 HealthWave 33 boardsmanship 33 LMGI 33 contingent commissions 33 NOPR 33 BlueCross 33 Regence Blue Shield 33 discourage frivolous lawsuits 33 insurance premiums 33 Medical Malpractice Liability 33 MediGap 33 tort liability 33 Rosanne Placey 33 JPDO 33 DiPietre 33 collective bargaining agreements 33 #Insure#Less.com 33 Sam Sorich 33 Willful violations 33 ATA SRO 33 Insurance Reciprocal 33 Financial Stability Ratings 33 Sallie Hillmon 33 Annotti 33 Assurant 33 PEHP 33 WR Berkley 33 Superintendent Mila Kofman 33 AMCP 33 Dr. Rohack 33 WholesaleInsurance.net 33 Citizens Property 33 NYPIUA 33 Liability Insurance 33 MRTU 33 FSBA 33 NRSROs 33 InsurCard 33 Blue Shield 33 Insureds 33 Allstate 33 STOLI 33 BlueOptions 33 Workmen Compensation Act 33 Suehs 33 Tort Claims 33 PDSs 33 Rev. Rul 32 SUTA dumping 32 Encompass Insurance 32 NCCUSL 32 Assigned Risk 32 HORSE TRAIL RIDES 32 uninsureds 32 CaliforniaChoice 32 Long Term Disability 32 AAHP HIAA 32 FESE 32 AEIX 32 Universal Underwriters 32 OFIR Commissioner 32 Medigap insurance 32 RMIC 32 reinsures 32 www.novarica.com 32 OSDH 32 PLADs 32 END FOOTNOTE 32 Uniform Arbitration 32 copays deductibles 32 Tim Karsky 32 Florida KidCare 32 exclusion clauses 32 SLHCs 32 Insurance Agents 32 Professional Indemnity 32 Vanliner 32 Premera 32 insur ance 32 catastrophe reinsurance reinstatement 32 Eastbridge Consulting Group 32 Symbility Solutions automates 32 SeeChange Health 32 Oshlo 32 PIAL 32 Willnerd 32 Lynne McChristian 32 CCHI 32 Ms. Schapiro 32 liablity 32 ACIC 32 Underinsured Motorist 32 Solvency II Directive 32 overinsured 32 ICOB 32 Rob Schweers 32 A.M. Best 32 UnitedHealthCare 32 AutoClaims Direct 32 CSR #-#.# 32 ARKids First 32 Sandra Shewry 32 Mcare Fund 32 premiums ceded 32 Iarrapino 32 workersa compensation 32 Risk Retention 32 Affordable Care Act 32 deductibles 32 underwrites specialty 32 Act FELA 32 IOGCC 32 Fish Parcham 32 Malpractice Insurance 32 deemed grossly negligent 32 CNA HealthPro 32 BCBSA 32 Underwriter CPCU designation 32 Escobar Chanos 32 R. Dinallo 32 TopCoder methodology 32 GTESS 32 supplemental Medigap 32 spokesman Darrel Ng 32 CEIOPS 32 Haislmaier 32 Guaranty Insurance 32 casualty insurance 32 insurability 32 CIEBA 32 Safeware 32 Automobile Insurance 32 DeVeydt 32 Benefit Informatics 32 Dick Luedke spokesman 32 objectivity impartiality 32 tenaciousness 32 Gjovig 32 Advisen 32 CorVel 32 Jim Poolman 32 WCAB 32 SustiNet 32 intuition toughness 32 Glaiser 32 Mierzwa 32 Patient Centered Outcomes 32 PIP 32 windstorm 32 ACA 32 RMHP 32 Insurance VPI 32 grossly underinsured 32 Lawyers Professional Liability 32 Haneborg 32 INSTEC 32 lapsation 32 USAble Life 32 Beaver Logging 32 insurer 32 BeneCard 32 spokesman Bill Mellander 32 MIIX 32 Atterholt 32 Baden forensic pathologist 32 dram shop 32 PPOs HMOs 32 iVOS 32 Coach Cignetti 32 optional coverages 32 PEIA 32 insures pensions 32 TAVMA 32 deductibles copayments 32 Doehrel 32 nonemployer firms 32 Pollution Liability 32 Self Insured Solutions 32 Donelon 32 RightPath 32 PEEHIP 32 Sandy Praeger Kansas 32 AvMed Health 32 preexisting conditions 32 actuarially unsound 32 Allmerica 32 Mario Manningham Rodgers Cromartie 32 MCOs 32 ACOs 32 PBGF 32 Ternian 32 ACE Westchester 32 Actuarial Consulting 32 LIDMA 32 Garamendi 32 PPD lump sum 31 Beneficiary designations 31 Indemnity Insurance 31 MBIA 31 regulator IRDA 31 uninsurance 31 OCERS 31 rehiring retirees 31 accountability WorkSmart partners 31 Nodak Mutual Insurance 31 QIOs 31 Insurers 31 Regence BlueCross BlueShield 31 Darrel Ng 31 Reinsurance Assumed 31 NAPHIA 31 SOX whistleblower 31 CompWest Insurance Company 31 Workman Compensation 31 Balber 31 Prevented planting 31 Major Facility Siting 31 medical malpractice lawsuits 31 Maintenance Organizations 31 Excess Casualty 31 Rich Robleto 31 Peter Kuhnmuench 31 ParallelPay 31 Dram Shop Act 31 NASD Dispute Resolution 31 PBMs 31 CAHI 31 MIRMA 31 Lori Parham 31 Ontario IBAO 31 AALTCI 31 FPIC Insurance Group 31 FMHA 31 MICRA 31 SWPPP 31 FEHB 31 IDOE 31 FMCSA 31 BBB Accredited Businesses 31 Unum Provident 31 Medi Cal beneficiaries 31 Prepaid Tuition 31 Loan Protector 31 Sheila Weissberger 31 ProAg 31 Amos Aflac 31 FASB Interpretation No. 31 Drzycimski 31 Unitrin Direct 31 Jim Donelon 31 Chairwoman Nancy Argenziano 31 underinsurance 31 Public Insurance Adjusters 31 RenaissanceRe Syndicate 31 payor 31 TennCare recipients 31 exemplifies perseverance sportsmanship 31 Insurance Underwriting 31 Medigap supplemental insurance 31 Secure Horizons 31 Radian Asset 31 atty gen 31 Shoreland Zoning 31 BCBSF 31 TradePMR 31 Researcher Anne McCartt 31 tells HPW 31 PGBC takes 31 NCQA accreditation 31 sovereign immunity doctrine 31 Insure Montana 31 Fraser Engerman 31 MHPA 31 underwriting 31 SilverPlume 31 Beth Umland 31 MQSoftware delivers 31 Denn 31 Worker Compensation 31 David Colmans 31 variable annuity guarantees 31 Eysink 31 Teahon 31 claims adjustors 31 HMO PPO 31 Moffie writing 31 NAIFA 31 courage Sergeant Rieman 31 Montpelier Re 31 methodological rigor 31 Med Mal 31 ASPPA 31 Irda 31 GIPSA 31 Rich Halberg 31 RenRe 31 Coverage EPIC 31 PERM Rule 31 UnitedHealthcare 31 Lamart Barrett 31 Workers Compensation 31 WorkSafeNB 31 lobbyist Karen Ignagni 31 Companies NAMIC 31 Scandlen 31 Fortegra Financial 31 HMOs PPOs 31 SACGHS 31 subrogation 31 NRSRO ratings 31 commissioner Steve Poizner 31 TMPAA 31 workman compensation 31 Erie Indemnity Company 31 LTCi 31 director Rodman Flender 31 Orus Lambert 31 medically underwritten 31 NAICOM 31 customer servi MORE 31 Persistency 31 Gallanis 31 Bruce Koeppl 31 AultCare 31 Bolejack 31 AssuranceAmerica Corporation 31 upcoding 31 Jodi Alberts 31 Morneau Shepell 31 uninsured Coloradans 31 Ceiops 31 Chuck Idelson 31 Leslie Seidman 31 draftable quarterbacks 31 Axene Health 31 Cindy Ehnes director 31 Managed Care 30 Grain Dealers 30 Medically Needy Program 30 Christy Howley 30 Rescissions 30 Joan Markman 30 ProCentury 30 catastrophe reinsurance 30 LTCA 30 HHS 30 UPMIFA 30 AALU 30 preexisting condition 30 Brimner 30 CIKR 30 Property Casualty Insurers 30 Colm Freyne 30 Molendorp 30 Medicaid recipients 30 ObamaCare 30 Californians foretells skyrocketing 30 nonrenewed 30 whistleblower retaliation 30 Medicare HMOs 30 Affordable Care 30 NCBTMB 30 CEO Bruce Bodaken 30 AgencyPortal 30 AAHP 30 & Healthsystem Association 30 Joint Underwriting 30 Workman Comp 30 Med Supp 30 Personal Injury Claims 30 NAIC Model 30 Pension Reform Act 30 PHRs 30 ob gyns 30 HMOS 30 retrocessional 30 DesPrez 30 IAAO 30 LifeSearch 30 CDHPs 30 ERISA pre emption 30 ineligible dependents 30 Tort reform 30 Blue Shield PPO 30 liability CGL 30 Renter insurance 30 OSH Act 30 Obamacare 30 Medicare beneficiaries 30 FEGLI 30 Terry Lisotta 30 malpractice payouts 30 Commissioner Sean Dilweg 30 Carly Glick 30 Affirmative Insurance 30 Mr. Mathas 30 EMPLOYERS ® 30 Fund FHCF 30 actuarial 30 Transmonde 30 HEMIC 30 FINRA Rule 30 Uncompensated Care Pool 30 AAMGA 30 AGR Lite 30 CompManagement 30 Gies resisted 30 LTCI 30 Solvency 30 uninsured 30 viatical 30 spirituality Dabovich wrote 30 OneChoice 30 Tyrone Pettaway 30 Patty Wentz 30 compensability 30 Insure U 30 Ascensus 30 Matthew Brelis 30 Program NFIP 30 detariffed 30 narrow mindedness haste 30 UNICARE 30 Dubas 30 OSFI 30 NCQA Accreditation 30 Castaneira 30 Xceligent 30 PERILS 30 untiring dedication 30 Bank Supervisors CSBS 30 CompPartners 30 Identity Theft Resolution 30 Carlos Mainord 30 Fred Loya 30 JJ Jelincic 30 AB8 30 itiveness 30 Strong interpersonal skills 30 Berkshire Hathaway Reinsurance 30 preauthorization 30 MPSERS 30 VALIC 30 reinsurance broking 30 FINRA Dispute Resolution 30 Tanchek 30 NGFA 30 consultant Robert Laszewski 30 shoreland zoning 30 Mcare abatement 30 Insure.com 30 Miller Fienen 30 Aetna 30 Excellent interpersonal skills 30 Casualty Insurance 30 Insurance SSDI benefits 30 Casualty Actuarial Society 30 unquestionable integrity 30 HomeInsurance.com