{"id":141,"date":"2023-11-23T15:06:00","date_gmt":"2023-11-23T15:06:00","guid":{"rendered":"http:\/\/kits.themecy.com\/membership\/?p=141"},"modified":"2024-09-23T22:12:00","modified_gmt":"2024-09-23T22:12:00","slug":"las-mejores-herramientas-saas-para-impulsar-el-crecimiento-empresarial","status":"publish","type":"post","link":"https:\/\/insurancebuddyusa.com\/es\/las-mejores-herramientas-saas-para-impulsar-el-crecimiento-empresarial\/","title":{"rendered":"Los reguladores deciden comprobar la integridad de la ilustraci\u00f3n de los productos"},"content":{"rendered":"

Por John Hilton<\/a><\/p>\n\n\n\n

Los reguladores estatales de seguros est\u00e1n cansados de tratar de seguir el ritmo a las aseguradoras de vida que se saltan r\u00e1pidamente los intentos de frenar las ilustraciones.<\/p>\n\n\n\n

Instead of further rulemaking, regulators are going directly to the products. The Indexed Universal Life Illustration Subgroup is “looking at specific company examples” of both IUL and annuities that use illustrations, said Fred Anderson of the Minnesota Department of Commerce, chairman of the subgroup.<\/p>\n\n\n\n

Anderson spoke Sunday during the National Association of Insurance Commissioners’ spring meeting in Phoenix.<\/p>\n\n\n\n

“The illustration subgroup has spent the last ten years continually making rules and changing the rules to kind of catch up to what’s going on,” Anderson said. “But we decided to step back and look at what’s actually being presented to consumers.”<\/p>\n\n\n\n

In response to a later question, Anderson said regulators are “starting to notice things in our product reviews” and having better communication between states. Regulators might finally be getting a handle on illustrations, he added.<\/p>\n\n\n\n

“It seems like we’ve got most of the way there as far as getting illustrations where regulators feel comfortable,” Anderson told committee chair Judi French, director of the Ohio Department of Insurance. “We’ve done some analysis and talked to a lot of people who study things and it will never be perfect, but I think that’s at a manageable place where we can no<\/em> start thinking about a next round of illustration guideline changes.”<\/p>\n\n\n\n

Los reguladores de la NAIC son francos al afirmar que no quieren reabrir el modelo general de ilustraciones porque probablemente ser\u00eda un proceso que durar\u00eda a\u00f1os. La actual normativa sobre ilustraciones se adopt\u00f3 en 1997 tras un proceso similar. Y eso fue antes de que existiera el seguro de vida universal indexado.<\/p>\n\n\n\n

\"\"\/<\/a><\/figure>\n\n\n\n

En lugar de una revisi\u00f3n completa, los reguladores adoptaron la Directriz Actuarial 49 en 2015 como primer control de las ilustraciones de los IUL. Las aseguradoras sortearon r\u00e1pidamente la AG 49 ofreciendo productos IUL con multiplicadores y bonificaciones. Esto llev\u00f3 a la AG 49-A, adoptada a finales de 2020, seguida de la AG 49-B en 2023.<\/p>\n\n\n\n

The NAIC’s Indexed Universal Life Illustration Subgroup hinted at a full illustrations rework late in 2022, apertura de un periodo de comentarios<\/a> that only asked for revision “concepts” for the model. That effort went nowhere and the subgroup’s 2024 work charges revealed no plans for illustrations.<\/p>\n\n\n\n

Sin gastos ni reuniones<\/h2>\n\n\n\n

El subgrupo de ilustraciones no se ha reunido recientemente y ha no hay reuniones programadas.<\/a> Los reguladores no han abordado la cuesti\u00f3n en meses, aprobando un 2024 lista de cargos u objetivos,<\/a> en oto\u00f1o sin mencionar una estrategia diferente hacia las ilustraciones.<\/p>\n\n\n\n

“Obviously, our goal is to help ensure that companies are not overpromising or understating downside risks of products,” Anderson explained. “Regarding what potential results could be, it could be addressing company specific issues with companies. And it also could be eventually developing recommendations for rulemaking.”<\/p>\n\n\n\n

Consumer advocates apply frequent pressure on NAIC regulators to address illustrations that frequently promise double-digit returns. During the organization’s December fall meeting, Birny Birnbaum and Brenda J. Cude inst\u00f3 a los reguladores a actualizar la ilustraci\u00f3n del seguro de vida<\/a> regulaci\u00f3n.<\/p>\n\n\n\n

“Clearly there needs to be a reengineering of illustration regulations for a consistent approach for both index annuities and life insurance,” said Birnbaum, executive director of the Center for Economic Justice. “We need to stop the incentives for illustration unrealistic accumulation competition, eliminate hypothetical historical results and projection of non-guaranteed outcomes.”<\/p>\n\n\n\n

John Hilton, redactor jefe de InsuranceNewsNet, ha cubierto temas empresariales y de otro tipo durante m\u00e1s de 20 a\u00f1os de periodismo diario. Puede ponerse en contacto con John en john.hilton@innfeedback.com<\/a>. S\u00edgalo en Twitter @INNJohnH.<\/em><\/p>\n\n\n\n

Todos los derechos reservados 2024 por InsuranceNewsNet.com Inc. Todos los derechos reservados. Queda prohibida la reproducci\u00f3n total o parcial de este art\u00edculo sin el consentimiento expreso y por escrito de InsuranceNewsNet.com.<\/strong><\/p>\n\n\n\n

\"John<\/a><\/figure>\n\n\n\n

Redactor jefe de InsuranceNewsNet John Hilton<\/a> ha cubierto negocios y otros temas en m\u00e1s de 20 a\u00f1os de periodismo diario. Puede ponerse en contacto con John en john.hilton@innfeedback.com<\/a>. S\u00edgale en Twitter @INNJohnH<\/a>.<\/p>","protected":false},"excerpt":{"rendered":"

Por John Hilton Los reguladores estatales de seguros est\u00e1n cansados de tratar de seguir el ritmo a las aseguradoras de vida que eluden r\u00e1pidamente los intentos de reducir las ilustraciones. En lugar de seguir elaborando normas, los reguladores se dirigen directamente a los productos. El Subgrupo de Ilustraci\u00f3n de Vida Universal Indexada est\u00e1 \u201cexaminando ejemplos concretos de empresas\u201d tanto de IUL como de rentas vitalicias que utilizan ilustraciones, dijo...<\/p>","protected":false},"author":1,"featured_media":2257,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"nf_dc_page":"","_coblocks_attr":"","_coblocks_dimensions":"","_coblocks_responsive_height":"","_coblocks_accordion_ie_support":"","_kadence_starter_templates_imported_post":true,"_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"_kad_post_classname":"","footnotes":""},"categories":[7,10],"tags":[],"class_list":["post-141","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-design","category-saas"],"yoast_head":"\nRegulators resolve to check up on products for illustration integrity -<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/insurancebuddyusa.com\/es\/las-mejores-herramientas-saas-para-impulsar-el-crecimiento-empresarial\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Regulators resolve to check up on products for illustration integrity -\" \/>\n<meta property=\"og:description\" content=\"By John Hilton State insurance regulators are tired are trying to keep up with life insurers that quickly skirt attempts to tamp down illustrations. 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