DEFERRED COMPENSATION EXAMPLE by Larry Morrison and Gary Jacobson This is an example of the key financial features in a deferred compensation plan for top producers at a s...

DOLLARS AND SENSE: FINANCIAL RESPONSIBILITY REQUIREMENTS FOR UNDERGROUND STORAGE TANKS by U.S. Environmental Protection Agency Why Are There Financial Responsibility Requirements? Whe...

DO's AND DONT's FOR DEALING WITH THE PRESS DOs 1. Appoint one person in your organization to be the media contact to answer media inquiries. All such calls should be referred to that p...

FAMILY & MEDICAL LEAVE ACT OF 1993 by Marvin Sahl, CLU Final rules for The Family and Medical Leave Act of 1993 (FMLA) were effective on February 6, 1995. The law and the rules are ...

FRAUDBUSTERS: FIVE GOLDEN RULES FOR MINIMIZING LIABILITY IN EXPOSING FRAUD by G. Andrew Nagle Claim representatives and insurers face civil and criminal liability exposure for statements a...

In early September, the credit reporting agency Equifax announced a significant data breach. Hackers were able to access the names, birth dates, Social Security numbers and addresses of 143 million consumers, which put their identity and credit at risk. A credit report freeze is one protective measure Equifax recommended. Every consumer, including you, should understand this protective measure as you protect your data, identity and credit.

GET RID OF ABUSIVE CUSTOMERS by the IIABA Virtual University Faculty One of the nice things about being a business owner is that, if a client is abusive and undesirable, you can usually send...

The conference report for H.R. 3103, the Health Insurance Portability and Accountability Act of 1996, provides for changes in the private heath insurance market. The bill guarantees the availability of private heath insurance coverage for certain groups and restricts the use of preexisting condition restrictions. Renewal of coverage will be guaranteed with limited exceptions. Although H.R. 3103 creates federal standards for insurers, health maintenance organizations (HMOs), and employers who self-insure, the bill permits substantial state flexibility for compliance. This report examines the major features of H.R. 3103 regarding heath insurance.

HIDDEN LIABILITIES IN MERGERS AND ACQUISITIONS by Arthur Parry Increased financial benefits coupled with regulatory restrictions have caused many organizations to merge, acquire or...

HOW TO BUY, SELL, MERGE OR PERPETUATE PART VII A Comprehensive Look at the Best Ways to Handle One of the Most Significant Financial Events in the Life of Your Agency by Larry Morrison an...