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(Click for frequent words.) 65 copayments coinsurance 64 medically underwritten 64 deductibles copays 64 reinsurance recoverables owed 63 allowable copays 62 merchant chargebacks 61 premiums copays 61 NBCR risks 60 catastrophe reinsurance reinstatement 60 FHCF 60 Slome notes 60 copays deductibles 59 windstorm deductibles 59 THB# #mn 59 XGen Nevis Island 59 workersa compensation 59 reinsurance reinstatement 59 mortality morbidity 59 Reinsurance recoverables 59 deductibles copayments 59 deductibles coinsurance 58 Lump sums 58 recoverables 58 uninsured underinsured motorist 58 EUR1 #mn 58 Discontinued Lines 58 TFN NEWS BRIEFING Banking 58 FEGLI 58 Company noncontributory defined 58 Medicare Advantage PFFS 58 agents brokers MGAs 58 noncovered 58 policyholder dividends 57 Hannover Re anticipates 57 Inc AET AET 57 postretirement obligations 57 CNY# #mn 57 SBLIC 57 recoupments 57 Therein lurks 57 elective deferrals 57 copayments deductibles 57 c Relates 57 affecting mortality morbidity 57 deductible coinsurance 57 SHKPI 57 mso font pitch 56 Understanding BCAR 56 CastlePoint Re 56 HSA compatible 56 MXN# #mn 56 Balboa Reinsurance captive 56 lapsation 56 issuers counterparties 56 written NPW 56 RiverSource Life 56 GMDB 56 ceded reinsurance 56 retrocessions 56 reinsurance recoverable 56 borrower depositor 56 Crisa acquisition 56 actuarially equivalent 56 Unearned Premiums 56 GSPHMO 56 Inc NASDAQ CISG 55 Uninsured motorist 55 insureds 55 Selects Guidewire 55 ISTANBUL Deadline 55 Underinsured Motorist 55 log onto http:/www.aon.com 55 spokeswoman Kate Hollcraft 55 Hiscox Bermuda 55 actuarially determined 55 nonadmitted 55 Immediate annuities 55 Prevented planting 55 Employers Liability Compulsory 55 Market Disruption 55 COBRA continuation 55 OPEB obligations 55 Coinsurance 55 anduncertainties 55 PPO POS 55 Infor expressly disclaims 55 Reinsurance Assumed 55 infants Sundlof 55 de tariffed 54 retrocessional reinsurance 54 reinsurance recoverables 54 outwards reinsurance 54 noninsured 54 Illiquidity Risk 54 PBGC insures 54 deductibles 54 Noneconomic damages 54 nonforfeitable 54 CHD CVD 54 ceding commissions 54 reimbursement arrangements HRAs 54 Archer MSAs 54 CMTPL 54 AmerInst 54 FAFLIC 54 Variable annuities involve 54 multiemployer defined 54 variable annuity guarantees 54 NQDC 54 reinsurance cessions 54 RGA #/#/# PriceWatch 54 reinsurance recoveries 54 AGCS AG 54 cedents 54 MGUs 54 visit www.aclines.com 54 Unfunded Liability 54 Inc. NASDAQ SIGI 54 COLI BOLI 54 BP insurer QBE 54 postretirement benefit obligations 54 retrocessional coverage 54 reinsurance treaties 54 Stable Rating Outlooks 54 AMERISAFE actively markets 54 Variable Universal 54 nsurance 54 unfunded accrued 54 Deductible 54 Chubb CB 54 unfavorable variances 54 HDHPs 53 BOLI COLI 53 b Excludes 53 shipping packing crating 53 catastrophe reinsurance specialty 53 deductable 53 INSURANCE MANDATE Almost 53 Weisses misrepresented 53 Deductibles 53 DAC unlocking 53 Premature menopause 53 actuarially justified 53 Uninsured Underinsured Motorist 53 unforeseen underperformance 53 b Relates 53 Vitality Re 53 guaranty reinsurance 53 FSAH 53 Compensatory damages 53 prudentially regulated 53 OPEB expense 53 premiums ceded 53 NYSHIP 53 reinsurance coverages 53 Insurable 53 multiemployer 53 postretirement benefit 53 Adjustment Expenses 53 dealer floorplan ABS 53 Coverages 53 Premiums receivable net 53 Visit www.transre.com 53 Conning understands 53 Travelers TRV 53 FEHBP enrollees 53 noninterest bearing transaction 53 CastlePoint Insurance 53 CharterBank deposits 53 coinsurance 53 minute Elderberry Facial 53 reinsures 53 adversely affect NextEra Energy 53 nonretirement accounts 53 GMIB 53 DISCLAIMER Install 53 OREO write downs 52 uncollectible reinsurance 52 #l k 52 unmeasured confounding 52 noninterest expense partially offset 52 Flexible Savings Accounts 52 Long Term Disability 52 pocket maximums 52 LAE reserves 52 Inc HGIC 52 deductible 52 Michael Huttner conservatively 52 WNS ADS 52 nat cat 52 unfunded actuarial accrued 52 MOSAID litigation 52 reinsurers Hannover Re 52 spokesman Walt Cherniak 52 Heavier precipitation 52 xi unanticipated 52 postemployment benefit 52 Professional Liability PL 52 Aetna Wellpoint 52 insurable 52 reestimates 52 Indexed annuities 52 RenaissanceRe Holdings RNR 52 incentive accruals 52 TranSwitch indebtedness 52 ConfiDent ® 52 Firemans Fund 52 ACandS 52 Portfolio Turnover 52 UAAL 52 policyholder 52 entities VIE 52 loan origination fees 52 repealers already 52 obj obj = 52 IBNR 52 Unfunded liabilities 52 guaranty associations 52 PFICs 52 issuer default 52 HOW MANY COVERED 52 Travelers Indemnity 52 AMT disallows certain 52 vi ineffectiveness 52 Prefunding 52 Irrevocable Life 52 NOL carryforwards 52 Assurant Inc 52 postretirement benefit OPEB 52 Kilroy Realty Declares Quarterly 52 Renter insurance 52 franking credits attached 52 SupplySMART ™ energy 52 A.M. Best Assigns Ratings 52 Understanding Universal BCAR 52 NOL carryforward 52 underinsured motorist UIM 52 FDIC indemnification 52 Balboa Reinsurance 52 Bosna Re 52 Variable Interest Amount 51 medigap 51 Deductions depreciation 51 guaranty insurers 51 interest entity VIE 51 Offer 51 reinsurers Swiss Re 51 adversely affect Waste Connections 51 Zaragoza Gustavo 51 Insureds 51 noninsurance 51 Roth IRA withdrawals 51 insured depositories 51 reversionary bonus 51 Verlan Fire 51 sepsis infection Notaros 51 j Represents 51 Combined Ratio 51 Reinsurers sell 51 disciplined underwriting 51 Unfunded pension 51 untreated STDs 51 PDP MLR 51 Cobalt Gordian 51 Transmonde 51 Hardship withdrawals 51 deductible IRAs 51 liquidate REO 51 VGLI 51 includible 51 premiums 51 expenses associated therewith 51 NIPPONKOA Asia 51 Reliable Individual Health 51 Assistance Program NAP 51 PPO EPO 51 policyholder surplus 51 Nonqualified 51 Catastrophe losses 51 Mastercard Visa accepted 51 Nasdaq LCAPA LCAPB 51 REMOVAL Removal shall 51 PTNS therapy 51 persistency mortality 51 reinsurance commutations 51 premiums deductibles copays 51 keyman insurance 51 ratio MLR 51 CSRS Offset 51 OPEB liabilities 51 postretirement benefit plans 51 WTOV9 Mobile 51 sleepwear infants 51 Traditional IRAs 51 LPT Agreement 51 prepetition liabilities 51 reinsuring 51 nonstandard automobile 51 mortality persistency 51 Transsib Re 51 Rollover IRAs 51 elective deferral 51 cedent 51 Code Section #A 51 Trip Cancellation 51 FGIC insured 51 UM UIM coverage 51 Swiss Re Munich Re 51 REQUIREMENTS FOR INDIVIDUALS Individuals 51 VimpelCom disclaims 51 noninterest bearing deposit 51 retrocessionaires 51 reinstatement premiums 51 RenaissanceRe NYSE RNR 51 unsubsidized COBRA 51 Mr. Vlock 51 unfunded retiree 51 Verisk Analytics Nasdaq VRSK 51 SIMPLE IRAs 51 multiline insurer 51 unfavorable payor mix 51 Policyholder 51 Variable annuity 51 Century Indemnity 51 Stated Amount 51 nonwage 51 accretable 51 COLI policies 51 CHAMPVA 51 IG FSV ;) CO 51 associatedwith 51 insured 51 IBNR reserves 51 actuarial valuations 51 ERISA fiduciary 51 Coverdell ESAs 51 Holdings AMEX UVE 51 foreign currency remeasurement 51 noncancelable 51 ERISA pre empts 51 FRBNY Facility 51 Deficit widens 51 Visa indemnification 51 annuitization 51 deferred loan origination 51 Ceded premiums 51 Fixed annuity 51 takaful operators 51 Amounts recoverable 51 Tekmira disclaims any 50 Aegon Religare Aviva 50 XLFA 50 Pay 50 PURSE Cash 50 OBPI 50 uncertainties materialize Shire plc 50 BES Vida 50 Variable Annuity Life 50 CIRe 50 Transocean insurer QBE 50 Copano commodity 50 giant Fortis NV 50 Inc. NASDAQ HCII 50 nonvested 50 Increase subsidies 50 EXPENSES Employee Compensation 50 HSA HDHP 50 accrual reversals 50 Mediclaim policy 50 unreimbursed expenses 50 xxxiii 50 accretable yield 50 f Represents 50 fatal IHD 50 Kings Madera Merced 50 please visit http:/en.epochtimes.com/features/dpaHypertouch 50 W. Stancil Starnes 50 adopting SFAS #R 50 Introductory teaser rates 50 Copays 50 Navigators Specialty 50 uncollectable receivables 50 CinFin Capital Management 50 Joseph M. Zubretsky 50 GRADE Closed 50 counterparty exposures 50 Persistency 50 UBTI 50 viii insufficient 50 VETO HB 50 Guaranteed Minimum Withdrawal Benefit 50 g Represents 50 Underfunded pension 50 substantial Baggaley 50 Northwind Holdings 50 - Total noninterest expense 50 TransCanada Declares Quarterly 50 Allstate Indemnity 50 cyclicality inherent 50 Interest Drawdown Date 50 TIAA Traditional 50 Quake jolts Anchorage Alaska 50 Code § #A [002] 50 governmental payors 50 Regulation XXX 50 QSGI reduces 50 Liquidated damages 50 value ratios LTVs 50 PRIZES Prize s 50 Slome explains 50 Electro Re 50 Assumed Reinsurance 50 insurance marketplace kanetix 50 FIGA assessment 50 gain amplifiers VGAs 50 nonpension 50 benefits copayments deductibles 50 PLICO 50 carryforwards 50 Aetna CIGNA 50 indemnitee 50 choice Shed shyness 50 b Reflects 50 Health Reimbursement Account 50 MHPAEA 50 DoD Identifies Marine 50 Semiconductor Manufacturing SMI 50 Lance Locurto 50 c Reflects 50 FDIC indemnification asset 50 mitigant 50 GMAB 50 spousal IRA 50 Millea Holdings Inc. 50 nondeductible IRAs 50 carrybacks 50 Cheneys owed 50 Erythropoietic therapies may 50 overinsured 50 -KGMU Trauma Centre 50 AND PREMIUMS 50 Travelers Cos Inc TRV.N 50 Accrued severance 50 Medigap supplemental insurance 50 stock basedcompensation 50 nonexempt employees 50 postemployment benefits 50 xxxi adverse tax 50 Mendakota Insurance Company 50 By STEPHEN WILLIS 50 Inc EMCI 50 Leverage Risk 50 nonworking spouses 50 Bilgena Read Terms 50 distort comparability 50 borrowable funds 50 radiological NBCR 50 Candente relies upon 50 insurance 50 FDIC TLGP 50 ResiLogic model 50 impacting comparability 50 AccessTN 50 STERIS calculation 50 -Edelsberg 50 loss NOL carryforward 50 Rosanne Placey spokeswoman 50 Chubb Corp CB.N 50 Personal Injury Protection 50 INTEGRA LIFESCIENCES HOLDINGS CORPORATION 49 Liberty Mutual MAPFRE RSA 49 d Reflects 49 deferred variable annuity 49 grossly underinsured 49 Grandfathered plans 49 xxiv adverse effects 49 Medicare Advantage MLR 49 Inc. Nasdaq NWSB 49 NCUSIF 49 DPAC amortization 49 Stoneheath Re 49 nonqualified retirement 49 Aetna Anthem 49 European windstorm Xynthia 49 BKIC 49 balance sheet deleveraging 49 Miljoner 49 beta coefficient included 49 Asset Accumulation 49 Beta coefficient 49 Bermuda domiciled holding 49 EnPro consolidated 49 Chief Executive Jacques Aigrain 49 Monoline insurers 49 Maj. Op 49 PBGF 49 Kristin Binns spokeswoman 49 Excess Cash Flow 49 MLRs 49 covering elective abortions 49 underwriters Fidelity 49 uncollectible accounts receivable 49 By Laurie Kulikowski 49 nbAccelerator 49 Bioenvision filings 49 Borrowing Fees 49 Symbility Solutions automates 49 ILOG JRules ILOG Rules 49 insurees 49 annuitize 49 FERS retirees 49 optional coverages 49 MCCSR ratio 49 origination volumes 49 • Compounded singles 49 Ingenix OptumHealth 49 reasonably estimable 49 cedant 49 trivial commutation 49 By DAVID SCHEPP 49 variable remuneration 49 adequately compensates 49 nondeductible expenses 49 LinuxLink reduces 49 Casiopea Re 49 Transamerica Occidental Life 49 setoffs 49 nonowner 49 brushed aside Heene 49 RidgewaterEquity.com 49 alternate payee 49 MIICL 49 Y Cumulative Preferred 49 Malakoff Mederic 49 Accrued postretirement 49 Fusarium infection 49 SmarTire cautions 49 Loss severities 49 del Giocondo wife 49 #.#x MADS [001] 49 purposes Torchmark defers 49 MBIA insures 49 representations warranties covenants 49 multiemployer pension plans 49 By Samantha Pidde 49 underinsured motorist coverage 49 worksite employee 49 HUF# #mn 49 amortized ratably 49 GridPoint Platform 49 barrier Calonge 49 BFSI banking 49 Caparra Hills 49 wholly owned subsidiary IPCRe 49 Surrender Value 49 Nektar undertakes 49 Bajaj Allianz Bharti AXA 49 nausea dizziness vomiting 49 uncertainties materialize Shire 49 travelinsurance.co.uk offers convenient 49 MainSource Title LLC 49 Piecemeal reform 49 Fiduciary Liability 49 Firstmerit Corp FMER 49 excludes depreciation amortization 49 Dorinco 49 voluntary contributions AVCs 49 MassHealth Medicaid 49 #/#/# Payable Date 49 specialty casualty multiline 49 Inc. NASDAQ MIGP 49 Depressive disorders 49 WpHG folgendes mitgeteilt 49 LTM Adjusted EBITDA 49 pulmonary exacerbations 49 Accrued liabilities #,#,# #,#,# [001] 49 JW 'S SALOON 49 About PaySimple PaySimple 49 policyowner 49 companiesâ 49 Statutory surplus 49 Multiemployer 49 Airvana anticipates 49 Compensation Expenses 49 excluding MYA 49 BNY Trade 49 indemnification clauses 49 Program FEHBP 49 theglobe.com inc 49 str = i 49 normalized FFO guidance 49 ultrashort bond 49 indemnification provisions 49 Actuarial Guideline 49 Defined Benefit Plans 49 subsidiaries RLI 49 Kimberly Clark Declares Quarterly 49 Trip Interruption 49 accruals 49 Expense ratios 49 Intercompany transactions 49 Julie Rochman spokeswoman 49 MARTEN TRANSPORT LTD 49 Pruco Life Insurance 49 positive inotropic agents 49 Products Declare Monthly 49 Heathrow Gatwick Stansted Southampton 49 infrequently occurring 49 Umbrella Liability 49 symbol FPTB 49 Pollution Liability 49 OREO valuation 49 Excess Liability 49 SCOR SE 49 property catastrophe reinsurance 49 CCIR Commander critical 49 FSAH acquisition 49 Stable angina 49 UILIC 49 FERS annuity 49 High Deductible 49 noncurrent liabilities 49 Guaranteed Minimum Death 49 Realized Earnings 49 Kamakura defines troubled 49 § #.#-# [004] 49 nonsevere disability 49 Fac Re 49 GSK Janssen Pharmaceutica 49 visit http:/www.tronox.com 49 HDHP 49 museum Julie Setlock 49 Amanda Farinos dines anonymously 49 concessional contributions 49 Colgate Palmolive 3Q 49 subrogate 49 Urinary tract infections UTIs 49 Obrycka suffered 49 insurers 49 DSCRs 49 xiii fluctuating currency 49 ANICO 49 risk mitigant 49 TruPS CDOs 49 advanceable 49 variable annuity reinsurance 49 TFG CLO 49 performing obligors 49 LIFO adjustment 48 Please view www.idexrecruitment.com 48 tortfeasors 48 Modifiable risk 48 Plan OHIP 48 TSCorp 48 inherited IRAs 48 nonlabor 48 Sage grouse inhabit 48 TAGP 48 subsidiary SUA 48 Salaries Wages 48 pi subscript 48 SIX ZURN 48 Travelers Indemnity Co. 48 - Total Current Liabilities [007] 48 wholesaling broker dealer 48 Incurring debt 48 Additional Voluntary Contributions 48 reserve reestimates 48 Shipping Packing 48 insurers Ambac MBIA 48 includable 48 CMBS CDO 48 OTTI write downs 48 serum aminotransferase levels 48 noncardiovascular mortality 48 Severe hypersensitivity reactions 48 TOLL BROTHERS INC. AND 48 PVNBP 48 Adjusted Margin 48 indemnifiable 48 Gen Re LifeHealth 48 postemployment 48 efficiency ratio teb 48 By Shaun Sutner 48 Telecom HOLDRS TTH 48 Flexible Spending Accounts 48 reciprocals 48 5x rollover 48 QSGI offsets 48 COASTAL BEND Soil moisture 48 severance accruals 48 By Shanthi Bharatwaj 48 Annual Incentive Plan 48 ii Immtech ability 48 PPF levy 48 colonoscopy detects precancerous polyps 48 ConfiDent R 48 Carewise Health 48 PPO HMO 48 nonqualified deferred compensation 48 jeanswear outerwear packs 48 impair Lillian Vernon 48 PV originations 48 Fund FHCF 48 retrocessional reinsurers 48 annuitizing 48 Guidewire PolicyCenter ® 48 ILWs 48 RMBS exposures 48 Symptom onset 48 EHR Incentive Programs 48 contingent guaranties 48 LogicVision disclaims 48 Montpelier Re MRH 48 accounts HRAs 48 elevated fasting glucose 48 DISTRESS SALE Bank 48 current liabilities #,#,# 48 lifetime maximums 48 Subordinate MBS 48 Interest Expenses Salaries 48 intersegment transactions 48 Equity indexed annuities 48 % CI #.#-#.# [005] 48 DTRIC 48 SF CDO exposure 48 PLIC 48 DIRECTORS OF CAPITAL CORP. 48 intercompany receivables 48 insurance premiums 48 analyst Christopher Mutascio 48 LIFO adjustments 48 Rev. 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Fam 48 d Excludes 48 beta coefficient 48 Secondhand smoke exposure 48 Reduce 48 wind geothermal biogas 48 HGIC 48 Hannover ReTakaful 48 RLI specialty 48 insurability 48 Primary Servicer Rating 48 include Firstbank Alma 48 Grandfathered Plans 48 visit www.fiosinc.com 48 ultra deepwater floaters 48 Guidewire Insurance 48 Federal Mogul Alapont 48 Unitrin Property 47 Cautionary Disclosures 47 multiple lease terminations 47 technological innovations adversely affecting 47 Nonlife insurers 47 Inc HUM HUM 47 nonadmitted insurance 47 Master Commutation Release 47 aftertax charge 47 Non Correlation 47 intentional torts 47 geriatric syndromes 47 XL Reinsurance 47 PPOs HMOs 47 Bioenvision disclaims 47 Unearned premium 47 Acuity Brands Declares Quarterly 47 Invitel Holdings operates 47 identifying beta coefficient 47 Medcohealth Solutions 47 Transamerica Re 47 QGIR 47 microsurgical disciplines 47 misclassify employees 47 -TORONTO BLUE JAYS Optioned 47 ARS# #mn 47 nonrecurring expenses 47 IRAs annuities 47 Fortune Brands Declares Regular 47 actuarial liabilities 47 Drama Desk Bambi 47 eResearch sole 47 = Weighted average [026] 47 Indemnities 47 TEB adjustment 47 Redlands Emotions Anonymous 47 Ambac insures 47 E Forex.ro accepts 47 Radian Asset 47 Lump sum payments 47 Aetna Cigna 47 Suites Fisherman Wharf 47 Gypsy Biker Girls 47 irreparable misidentification 47 OTC SYCRF 47 Negative Rating Outlook 47 substitute SBPA 47 PAINTED POST BARBERSHOPPERS REHEARSAL 47 Neenah Paper Declares Quarterly 47 FSAs HRAs 47 ROAs 47 UTI MF declares 47 www.safeco.com 47 Express Scripts Caremark 47 Kristian Moor 47 reinsurers Munich Re 47 expressly disclaimed 47 Thomas F. 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NYSE UTR 47 antidumping rulings 47 trivial Klatsky 47 morbidity mortality persistency 47 readily determinable 47 ESPPs 47 indexation clauses 47 Munich Re MUV2 GY 47 Bacterin proprietary 47 implied volatilities tend 47 insurances 47 MCCSR 47 statins fibrates 47 excludes unrealized gains 47 remarkable #,#:# contrast 47 mother Robertina Sanchez 47 FDIC insures 47 Transamerica Life 47 MONY Life 47 Income Annuities 47 Critical limb ischemia 47 § #.#-# [007] 47 INSURANCE INDUSTRY RESTRICTIONS 47 Kara Van Pelt 47 By Miriam Reimer 47 Genworth NYSE GNW 47 liquidating Filene Basement 47 Salary.com expressly disclaims 47 Indexed Universal 47 CDO squared transactions 47 quotation KZT 47 Magic Software Enterprs 47 Hindu Undivided Families 47 Dick Luedke spokesman 47 Hartford HIG 47 SBPAs 47 Ingenix manipulated 47 participating policyowners 47 scalability Guidewire solutions 47 covenant calculations 47 insurer QBE Underwriting 47 d Calculated 47 Fine particle pollution 47 OMFN 47 www.endurance.bm 47 Guaranteed Lifetime 47 indemnifications 47 Peripheral neuropathies 47 cedants 47 HMO PPO POS 47 By Anusha Shrivastava 47 cancerous mesothelioma 47 Valiant Specialty 47 DAILY LARIAT ONE 47 NASDAQ ANAT 47 KEVIN HARLIN INVESTOR 'S