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(Click for frequent words.) 59 FAIR Plan 58 FHCF 57 actuarially sound rates 57 Hurricane Catastrophe Fund 56 Citizens Property 56 Mississippi Windstorm Underwriting 56 multiperil 54 windstorm deductibles 54 actuarially sound 54 hazard mitigation grants 53 TWIA 53 Florida Hurricane Catastrophe 53 NYPIUA 52 Prevented planting 52 FEMA Kinerney 52 actuarially justified 51 Texas Windstorm Insurance 51 NFIP 50 Fund FHCF 50 actuarial soundness 50 insurance 50 PLADs 50 uninsurables 49 PEEHIP 49 unsubsidized COBRA 49 insurers 49 Rosanne Placey spokeswoman 49 Jim Ridling 49 NYSHIP 49 Mike Geeslin 48 windstorm 48 Caribbean Catastrophe Risk 48 Kuczwanski 48 Medical Assistance Percentages 48 EIDLs 48 landfalling hurricane 48 Flood Insurance 48 lease Alligator Alley 48 PIAL 47 Program NFIP 47 Bob Lotane spokesman 47 Meteorologist Christopher Juckins 47 Lotane 47 GeoVera 47 hazard mitigation grant 47 NCUSIF 47 noninsured 47 nonrenewals 47 guaranty associations 47 Allstate Floridian 47 renourish beaches 47 Donelon 47 UASI grants 47 FX McCahill 47 floodplain mapping 47 underwrites malpractice 47 Joint Underwriting 47 La Bonté 47 Workers Compensation Insurance 47 NAICO 46 policyholders 46 spokesman Ed Domansky 46 Jerry Hagins 46 FEMA reimburses 46 AmerInst 46 FEMA 46 Insurance Regulation OIR 46 Loretta Worters spokeswoman 46 Siemienas 46 Garvee bonds 46 CFO Sink 46 Superintendent Alessandro Iuppa 46 Jim Donelon 46 Insurance Underwriting 46 TIFIA 46 IndyMac depositors 45 Derrec Becker 45 Butch Kinerney 45 insurance premiums 45 reinsurance reinstatement 45 policyholder dividends 45 covering elective abortions 45 Medicaid DSH 45 megastorm 45 medically uninsurable 45 Mine Subsidence Insurance 45 Estuarine Land 45 Demotech 45 spokeswoman Rosanne Placey 45 retrocessions 44 Joseph Annotti 44 CIRMA 44 FEGLI 44 Ed Domansky spokesman 44 EUTF 44 AccessTN 44 Companies ACIC 44 MAIF 44 von Rinteln 44 Federal Deposit 44 reinsurers 44 Hazard Mitigation Grant 44 surety bonding 44 Roger Sevigny 44 NAIC 44 noncoastal 44 Bob Lotane 44 Kinerney 44 nonretirement accounts 44 medigap 44 nonadmitted insurance 44 Travelers Indemnity 44 Allstate Floridian Indemnity 44 Julie Rochman spokeswoman 44 Lynne McChristian 44 insurable crops 44 Allstate 44 JUA 44 Beazley syndicates 44 PEBP 44 FEMA Hazard Mitigation 44 spokesman Dick Luedke 44 tidelands leases 43 actuarially unsound 43 reinsurance recoverables owed 43 Transportation Disadvantaged 43 floodproofing 43 Impact Assistance Program 43 NDRRA 43 nonsubsidized 43 Debris removal 43 nonhomesteaded properties 43 Legislature appropriates 43 TMLT 43 Mcare 43 giant Fortis NV 43 Stranger Originated Life 43 Anthem WellPoint 43 reinsurance 43 Dick Luedke spokesman 43 Disaster Response Organisation 43 Nancy Dragani 43 Commission EQC 43 Leonard Bentz 43 workman compensation insurance 43 naplesnews.com hurricane 43 MSBU 43 beach renourishment 43 policyholder 43 Peachcare 43 IINC Executive 43 David Maurstad 43 tidelands lease 43 living adjustment COLA 43 Joseph Annotti spokesman 43 CompSource 43 John Kuczwanski 43 Volusia Forever 43 Insurance 43 EAIG 43 Sandy Praeger 43 www.floodsmart.gov 43 Travelers NYSE TRV 43 prebates 43 Whit Cornman spokesman 42 Bermuda reinsurers 42 spokesman Bill Mellander 42 Belshé 42 Annotti 42 PMACIC 42 PBGF 42 enhanced FMAP 42 ANICO 42 Chubb CB 42 Hoklin 42 catastrophe reinsurance reinstatement 42 Insurance Facility CCRIF 42 Assigned Risk 42 MIIA 42 CastlePoint Re 42 noninsurance 42 levelized billing 42 TIFIA loan 42 XLFA 42 nonrenewed 42 Commissioner Diane Koken 42 Allstate Floridian Insurance 42 PCIP 42 Gustav weakens 42 MAEP formula 42 Medicare Advantage PFFS 42 Brightway Insurance 42 detariffed 42 DirigoChoice 42 Measure WW 42 HECM loans 42 CCRIF 42 Medically Needy Program 42 Juckins 42 IIABA 42 LGIP 42 nonhomesteaded 42 DTRIC 42 premiums 42 surance 42 Tax Extenders Bill 42 LMGI 42 flood proofed 42 Coverage EPIC 42 Disaster Loan 42 workers' comp 42 Medigap 42 Catastrophic Illness 42 ERBs 42 Disproportionate Share Hospital 42 Homeland Security DEMHS 42 LITE UP Texas 42 Superintendent Mila Kofman 42 nonhomestead 42 reimbursement 42 nonfederal 42 guaranty insurers 42 nongroup 42 Dirigo Choice 42 PXRE 42 CompSource Oklahoma 42 OHIC 41 Garamendi 41 Vanliner 41 CDGB 41 RiskMeter 41 CLASIC 2 41 COBRA continuation 41 Barataria Basin 41 nsurance 41 Heavier precipitation 41 hurricanes 41 NBCR 41 unfunded accrued 41 UPCIC 41 cedents 41 MRMIB 41 reestimates 41 Professional Liability Insurance 41 uninsureds 41 RGA #/#/# PriceWatch 41 claims adjusters 41 agents brokers MGAs 41 South Lafourche Levee 41 Mr Makove 41 Fovissste 41 Capt. Ron LaBrec 41 www.insuremytrip.com 41 undesignated reserves 41 BillingCenter 41 CrisisResponse 41 FEMA hazard mitigation 41 Prop. 1B 41 Treutel 41 Guaranty Insurance 41 RenaissanceRe 41 commissioner Steve Poizner 41 insureds 41 Rachel Racusen 41 spokeswoman Kate Hollcraft 41 Coastal Wetlands 41 BlueCare 41 Catastrophe losses 41 meteorologist Christopher Juckins 41 unexpended balances 41 Federal Emergency Management 41 debris removal 41 retrocessional coverage 41 advanceable 41 hurricane 41 Schlomach 41 Raj Bhansaly 41 BISHCA 41 PILT payments 41 THDA 41 commercial multiperil 41 insurer 41 Preferred Provider Organizations 41 Mary Beth Senkewicz 41 LHFA 41 Von Rinteln 41 lapsation 41 MIRMA 41 Protective Life 41 www.naic.org 41 recoupments 41 workersa compensation 41 Eleanor Kitzman 41 renourishing 41 Michael McRaith 41 FHA 41 WRDA bill 41 OIR 41 Unemployment Compensation Trust 41 SOGAZ 41 Amunds 41 shutterless homes 41 VGLI 41 Allstate Indemnity 41 policyholder surplus 41 creditworthy borrower 41 www.insurance.ca.gov 41 RMIC 41 Sam Sorich 41 LaCHIP 41 Multiple Peril Insurance 41 spokeswoman Nancy Carniglia 41 Allmerica 41 Christopher Goetcheus 41 Kristin Milam 41 URAs 41 HealthChoice 41 Baptist LifeFlight 41 Windstorm 41 Loss Projection Methodology 41 Jimi Grande 41 HomeWise 41 OSPR 40 Homestead Farmstead 40 ocean currents veering 40 supplemental appropriations 40 Coverages 40 Loretta Worters 40 reimbursment 40 RRGs 40 Noninsured Crop Disaster Assistance 40 Elderly Pharmaceutical 40 Increase 40 Understanding BCAR 40 Mississippi 40 Slome notes 40 Company noncontributory defined 40 Uninsured Motorist 40 TruExposure 40 SPLOSTs 40 Terrorism Risk 40 Radian Asset 40 Ms. Ketcham 40 StanCERA 40 Insurance Commissioners NAIC 40 EduJobs 40 renourishment 40 PEBB 40 GreenPoint Insurance 40 Inc. NASDAQ HCII 40 SCHIP reauthorization bill 40 Reinsurance recoverables 40 Property Casualty Insurers 40 nonadmitted 40 Assistance Compact EMAC 40 HSA HDHP 40 CoverColorado 40 retrocessional reinsurance 40 professional indemnity PI 40 Louisiana 40 Municipal Employees Retirement System 40 Brickstreet 40 Lodestone Re 40 GEFA 40 Sandy Praeger Kansas 40 TANF Emergency 40 FirstComp 40 Eberts ranch 40 Fortegra Financial 40 Ed Domansky 40 comes DeZellar 40 NYHELPs 40 DEMHS 40 SCHIP enrollees 40 SBLF 40 insurability 40 WAEPA 40 FSAs HSAs 40 self insured retentions 40 Prepaid Tuition 40 nonstandard automobile 40 UEZs 40 Hiscox Bermuda 40 VLCT 40 Compact Impact 40 Reinsurance Assumed 40 Countryway 40 Homestead Tax Exemption 40 precautions Cavazos 40 federally administered 40 Ambac Assurance Corp 40 David Colmans 40 CZMA 40 EF Scale 40 Non Insured 40 copayments deductibles 40 unreimbursed expenses 40 Disaster Contingency 40 LBDP 40 VLF backfill 40 Forgotston 40 setaside 40 ratemaking 40 spokeswoman Jennifer Wislocki 40 MEMIC 40 Leeville Bridge 40 IBNR 40 TruPS CDOs 40 unobligated stimulus 40 COASTAL BEND Soil moisture 40 Abnormally Dry 40 homestead exclusion 40 Lake Okeechobee dike 40 Tropical Storm Isidore 40 GOHSEP 40 Umbrella Liability 40 HURF 40 HMGP 40 spokeswoman Darcy Fauci 40 AGR Lite 40 Salaam Halal 40 HPMR 40 Rental Assistance Program 39 Langkopp 39 Affordable Choices 39 Californians foretells skyrocketing 39 FHLBanks 39 Bill Mellander 39 Hardest Hit Housing 39 nonfederal entities 39 MSBUs 39 Chrissy Pearson spokeswoman 39 AgriStability 39 Hail Underwriting 39 collateralized reinsurance 39 Disaster Declarations 39 FMAP extension 39 deductibles copays 39 Dennis MacKee 39 doppler radars 39 Montpelier Re 39 unobligated 39 subsidized COBRA 39 Congress 39 Reinsurers sell 39 KETRA 39 reimbursements 39 floodproof 39 Eileen Mallow 39 copays deductibles 39 nonhomesteaded property 39 Disaster Loans 39 Florida KidCare 39 allowable copays 39 Edujobs 39 Mark Delegal lobbyist 39 Superintendent Hank Bounds 39 forecaster Richard Pasch 39 casualty insurers 39 Uninsured Underinsured Motorist 39 medically needy 39 Clallam Grays Harbor 39 Medigap insurance 39 Jose Montemayor 39 mangle migration 39 HB# Relating 39 Izembek 39 LTAF 39 deductibles 39 NLASCO 39 Coastal Erosion Planning 39 CHIP reauthorization 39 Medigap policies 39 Trip Cancellation 39 Josh deBerge 39 hydrologist Karl Sieczynski 39 PELL grants 39 FERS retirees 39 Chris Landsea meteorologist 39 catastrophe modeler 39 Aetna PPO 39 uninsured underinsured motorist 39 uninsured Coloradans 39 redevelop foreclosed 39 ERRP 39 unobligated funds 39 Chantal Cyr 39 Employers Liability Compulsory 39 IowaCare 39 Drinking Water Revolving Loan 39 STAR rebate checks 39 Real Estate Excise Tax 39 Agricultural Disaster Assistance 39 property catastrophe reinsurance 39 copayments coinsurance 39 canker eradication program 39 Ironshore Insurance 39 Neighborhood Stabilization Funds 39 Ambac Assurance Corp. 39 MaineHousing 39 MassHealth Basic 39 Deerfield Beach southward 39 Presidentially declared disaster 39 Utilicare 39 MedAmerica 39 congressionally authorized 39 ConfiDent R 39 Disaster Designation 39 workers' compensation 39 Disaster Assistance Program 39 Conageski 39 CFO Alex Sink 39 VHFA 39 farmstead exclusion 39 Disproportionate Share 39 Balboa Reinsurance captive 39 insurace 39 BadgerCare Plus Basic 39 Recreational Trails Program 39 ZC Sterling 39 Nina Banister spokeswoman 39 Regulation XXX 39 Wallop Breaux 39 Medicaid 39 Eues 39 FACT CHECK Barbour 39 Windell Curole Louisiana 39 Tropical Depression Georgette 39 HB#/SB# 39 GovGuam retirees 39 Insurers 39 meth lab cleanups 39 ConfiDent ® 39 wetlands mitigation 39 Felicia weakens 39 Szcodronski 39 Rescissions 39 Excess Liability 39 ceding commissions 39 Unsubsidized 39 Michael Widomski 39 loss carrybacks 39 muni issuers 39 TennCare recipients 39 Uninsured motorist 39 Chris Goetcheus 39 Hiscox Guernsey 39 BestWire 39 SHIPs 39 Hardest Hit Fund 39 Watch WESH NewsChannel 39 Stewart Sneed Hewes 39 IBNR reserves 39 Rosanne Placey 39 federally mandated 39 #-#-GET-INFO 39 farebox recovery 39 inlet dredging 39 TABOR refunds 39 Mastercard Visa accepted 39 MediCare International 39 Grabryan 39 Holdings AMEX UVE 39 Svedjan 39 farmowners 39 Information Program SHIIP 39 catastrophe reinsurance 39 ceded reinsurance 39 Hazard Mitigation 39 CWRA 39 EAST TEXAS Soil moisture 39 insurees 39 Elvin McCorvey 39 deductible coinsurance 39 overinsured 39 RAAs 39 Linked Deposit 39 saturated catchments 39 BadgerCare Basic 39 Abandoned Mine Lands 39 DiResto 38 Emler Lindsborg Republican 38 Claims adjusters 38 gray wolf populations 38 Natural Disaster Relief 38 tropical depressions tropical storms 38 beach nourishment 38 Chehalis Basin 38 SAFETEA 38 spokesman Ioannis Kazanis 38 RenRe 38 CATRADER 38 Mena sirens sounded 38 Kryzda 38 DISTRESS SALE Bank 38 Great Inagua island 38 professionals NAMIC dailyLead 38 Mareane 38 nat cat 38 millage rollback 38 Garret Graves 38 VHCB 38 MMIP 38 rehabilitate foreclosed 38 PATRICK WILLIS LB 38 chancery clerks 38 Doug Bellomo 38 unorganized territories 38 Dunmoyer 38 Medicare Supplement 38 ADECA 38 Coast2Coast Rx card 38 Medi caid 38 Geoff Souser Progressive 38 Plan OHIP 38 reinsurance treaties 38 deductible 38 Statutory surplus 38 PEHP 38 carryback provision 38 interfund loans 38 Ranking Member Snowe 38 SelectCare 38 Mitsui Sumitomo MetLife 38 Reimbursement Accounts 38 geoduck harvesting 38 Bunstock 38 pay copays coinsurance 38 Livestock Indemnity Program 38 MEMA cottages 38 SF CDO exposure 38 Alfa Mutual 38 Michigan Catastrophic Claims 38 MCARE 38 CalHFA 38 Clean Water SRF 38 Environmental Quality Incentive Program 38 chinook bycatch 38 unimproved parcels 38 nonparticipating providers 38 homestead farmstead exclusion 38 cramdowns 38 recoverables 38 assigning recklessly 38 Slome explains 38 FEHBP 38 Medical Malpractice Insurance 38 MinnesotaCare enrollees 38 AccuWeather.com meteorologists 38 Senkewicz 38 ARKids First 38 BrickStreet 38 Womer Benjamin 38 Jeworrek 38 Ken Ambos 38 Rade Musulin 38 Equity indexed annuities 38 Deductible 38 Travel Insured 38 spokeswoman Cragin Mosteller 38 Insurance VPI 38 IPCRe 38 cityā 38 James Wrynn 38 uninsured Tennesseans 38 levees damming 38 ABX1 1 38 mortgage guaranty 38 re lief 38 Associa client 38 nontax revenues 38 HSA compatible 38 cedent 38 insured depositories 38 Reinsurers 38 merchant chargebacks 38 Oshlo 38 KidsCare Parents 38 Valiant Specialty 38 Red Flag Warnings 38 FHLBank Cincinnati 38 Assistance DUA 38 uninsurable 38 Medical Malpractice Joint 38 CIAP 38 Electronic Deposit Insurance 38 RiverSource Life 38 AccuQuote.com 38 Gov. Haley Barbour 38 Operating Profit Margins 38 UM UIM 38 FDIC 38 Assured Guaranty Re 38 healthinsurance 38 gulf coast 38 Julianne Bowler 38 perpetual easements 38 Grandfathered plans 38 Ad valorem taxes 38 BCAR 38 worker Estella Marazzito 38 DecisionMaker 38 Elegeert 38 renourish Orange Beach 38 actuarial calculations 38 install programmable thermostats 38 MCREA 38 re imbursements 38 Pataki vetoed 38 Renkenberger 38 Brezany 38 predisaster 38 Underfunded pension 38 reinsureds 38 voter referendums 38 TAGP 38 Catastrophe Claims 38 grossly underinsured 38 Hurricanes Charley Frances 38 Temporary Disability 38 Tropical Storm Warnings 38 Personal Injury Protection 38 skyrocketing malpractice 38 Alessandro Iuppa 38 Megi ferocious 38 WMI JPMorgan 38 MCare 38 casualty insurance 38 Chris Sisko meteorologist 38 Paradex 38 Cathy Seifert 38 LAGERS 38 Senators Thad Cochran 38 Flagstone Holdings 38 cover octuplet mom 38 Multi Peril 38 Judy Guice 38 UM UIM coverage 38 CENTRAL Soil moisture 38 WCIRB 38 TravelGuard 38 www.BoatUS.com 38 Immediate annuities 38 Policyholder 38 NASDAQ ANAT 38 MILC program 38 D Grosse Tete 38 CRCOG 38 GEICO policyholders 38 Irrevocable Life 38 Insure Montana 38 Variable Annuity Life 38 inundation maps 38 intercompany pooling agreement 38 Emergency Supplemental Appropriations 38 excluding MYA 38 Surface Transportation Program 38 Panel Recommends Abolishing 38 CoverKids 38 Medigap supplemental insurance 38 Chairman Dirk Dedeaux 38 Cumbest 38 Qwest CenturyLink 38 Hazardous Mitigation 38 Commercial Advertising Loudness 38 medically underwritten 38 uncollectibles 38 Scrub jay 38 AMBAC 38 Bonvento 38 code unfairly penalizes 38 blackbird baiting 38 Carly Glick 38 Senn Dunn 38 Bertie Bladen Cumberland 38 Workman Comp 38 official Munzir Shiblak 38 Beach renourishment 38 SGLI 38 Casualty Insurance 38 VIST Insurance 38 optional coverages 38 outermost bands 38 Fac Re 38 SUNZ 38 Bellwin scheme 38 Illinois Mine Subsidence 38 OTTED 38 equity indexed annuities 38 supplemental appropriation 38 GARVEE bond 38 insurers reinsurers 38 Groups Directive IGD 38 catastrophe modelers 38 PEIA 38 PERS TRS 37 noncurrent loans 37 subrogation clause 37 Swysgood 37 SCHIP 37 taxables 37 coordinator Goretti Wulf 37 IronStone 37 Casualty Intermunicipal Fund 37 www.coverageforall.org 37 Lushine 37 Social Security COLAs 37 FEHB 37 ARkStorm 37 FireMed 37 SCHIP eligibility 37 northwestward motion 37 annuitants 37 hazard mitigation 37 Jay Gelb 37 HDHPs 37 spokesman Marty Bahamonde 37 Walter Monsour 37 BBB Accredited Businesses 37 Fourchon 37 downstreamed 37 www.fldfs.com 37 Spotted owl 37 SWFWMD 37 Mark Rouck 37 Montpelier Re MRH 37 TsunamiReady 37 State Floodplain Managers 37 PurinaCare Pet Health 37 Beaver Cimarron 37 WR Berkley Corp. 37 DWSRF 37 premiums copays 37 Badgercare 37 Stephan Christiansen 37 supplemental Medigap 37 Lonnie Thibodeaux 37 Terry Lisotta 37 LandAmerica 37 Claudette weakens 37 forecaster Jack Beven 37 outyears 37 Radian Guaranty Inc. 37 sand replenishment 37 PSC regulates 37 deductable 37 GARVEE bonds 37 OHLAP 37 Mcare Fund 37 Rural Opportunity Zones 37 Chevron Pascagoula Refinery 37 website healthcare.gov 37 RenaissanceRe Holdings Ltd. 37 Workers comp 37 Assistance Program SHIP 37 SAFCA 37 Revolving Loan Funds 37 Kermitt Brooks 37 Insured 37 HSCRC 37 Charlotte DeSoto Hardee 37 PennVest 37 adjustment COLA 37 M. Diane Koken 37 Triad Guaranty 37 GARVEE bonding 37 WholesaleInsurance.net 37 Ironshore 37 Stephanie Dhue reports 37 Jim Homstad 37 Lisanbys 37 SenioRx 37 MediGap 37 Crop Insurance 37 PACE PACENET 37 Susie Stonner spokeswoman 37 Property Appraiser Alvin Mazourek 37 Claims Facility GCCF 37 HOPWA 37 Congress reauthorizes 37 stream buffers 37 equity indexed annuity 37 Talbot Underwriting 37 Property Casualty Insurance 37 fema.gov 37 Aioi Nissay Dowa 37 Asuris 37 FHLBs 37 Wyomissing PA offering 37 presidentially declared disaster 37 SSI SSP 37 BadgerCare Core 37 regulator Eric Dinallo 37 TSPs 37 Disaster Declaration 37 KICO 37 SBLIC 37 Pacific LifeCorp 37 Gulf Coasts 37 unrefunded 37 nondepository 37 AIK Comp 37 HOW MANY COVERED 37 RiskLink 37 Hoover Dike 37 Weldin Stewart 37 compensatory mitigation 37 Advantra Freedom 37 Adams Amite Claiborne 37 Per diem 37 Polk HealthCare 37 H2O PA 37 Ross Buchmueller 37 FHA Modernization Act 37 Commissioner Sean Dilweg 37 Homeowners Choice 37 Ascension Assumption 37 Frankenmuth Mutual 37 Eysink 37 Attala Choctaw Holmes 37 Pralgo 37 PacAdvantage 37 unfunded actuarial accrued 37 Chattahoochee Flint 37 grandfathering provision 37 variable annuity guarantees 37 Renter insurance 37 Mayport ferry 37 Insure Oklahoma 37 NCUA insured 37 deductibles copayments 37 al.com weather 37 John Liarakos 37 Electro Re 37 FEDVIP 37 STEAP 37 Jon Rosenlund 37 cyclone Ului 37 underwriting 37 Topazi 37 Gov. Kathleen Blanco 37 McGuyer Homebuilders 37 guaranty 37 subordinate liens 37 Ernst Csiszar 37 MassHealth Medicaid 37 David Fukutomi 37 Extend 37 WRSD 37 turnback funds 37 CALFED 37 NJ FamilyCare 37 Historic Tax Credits 37 SFY #-# 37 CRMWD 37 regulator Irda 37 Pummels Jamaica 37 Jim Suydam 37 EIDL 37 insured 37 Assistance Percentage FMAP 37 BoatU.S 37 Worldwide Trip Protector 37 Cecil Picard 37 Retirement System FRS 37 MVHC 37 Mortgage Assistance Program 37 Terrebonne Levee 37 borrowable funds 37 CAPCOs 37 Guglielmana 37 wetland mitigation 37 TaxAide 37 prudent layperson 37 geophysicist Gerard Fryer 37 Montpelier Reinsurance Ltd. 37 actuarially 37 rescissions 37 Platinum Underwriters 37 loan origination fees 37 Squaremouth 37 Gianato 37 barrier Calonge 37 Company Nasdaq ANAT 37 Genworth Mortgage 37 Bill Sirola 37 Abandoned Mine Land 37 Derek Pegues intercepted 37 VHDA 37 MPSERS 37 Paulison 37 BCBSD 37 Insurable 37 AHFC 37 catastrophe 37 Health care 37 Assistance Program NAP 37 Indexed annuities 37 Grawe