{"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":"i-migliori-strumenti-saas-per-incrementare-la-crescita-aziendale","status":"publish","type":"post","link":"https:\/\/insurancebuddyusa.com\/it\/i-migliori-strumenti-saas-per-incrementare-la-crescita-aziendale\/","title":{"rendered":"I regolatori decidono di controllare i prodotti per l'integrit\u00e0 delle illustrazioni"},"content":{"rendered":"

Da John Hilton<\/a><\/p>\n\n\n\n

Le autorit\u00e0 di regolamentazione delle assicurazioni statali sono stanche di tenere il passo con gli assicuratori vita che eludono rapidamente i tentativi di ridurre le illustrazioni.<\/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 non<\/em> start thinking about a next round of illustration guideline changes.”<\/p>\n\n\n\n

I regolatori del NAIC sono sinceri sul fatto di non voler riaprire il modello generale delle illustrazioni, perch\u00e9 sarebbe probabilmente un processo lungo anni. L'attuale regolamento sulle illustrazioni \u00e8 stato adottato nel 1997 dopo un processo simile. E questo prima ancora che esistesse l'assicurazione vita universale indicizzata.<\/p>\n\n\n\n

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

Invece di una rielaborazione completa, nel 2015 le autorit\u00e0 di regolamentazione hanno adottato la Actuarial Guideline 49 come primo controllo delle illustrazioni IUL. Gli assicuratori hanno rapidamente aggirato l'AG 49 offrendo prodotti IUL con moltiplicatori e bonus. Ci\u00f2 ha portato all'AG 49-A, adottato alla fine del 2020, seguito dall'AG 49-B nel 2023.<\/p>\n\n\n\n

The NAIC’s Indexed Universal Life Illustration Subgroup hinted at a full illustrations rework late in 2022, apertura di un periodo di commenti<\/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

Nessun costo, nessuna riunione<\/h2>\n\n\n\n

Il sottogruppo illustrazioni non si \u00e8 riunito di recente e ha non sono previste riunioni.<\/a> Le autorit\u00e0 di regolamentazione non hanno affrontato la questione per mesi, approvando una 2024 elenco delle cariche, o obiettivi,<\/a> in autunno, senza alcun accenno a una strategia diversa per le illustrazioni.<\/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 ha sollecitato le autorit\u00e0 di regolamentazione ad aggiornare l'illustrazione del ramo vita<\/a> regolamento.<\/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, redattore senior di InsuranceNewsNet, si \u00e8 occupato di economia e di altri settori in oltre 20 anni di giornalismo quotidiano. John pu\u00f2 essere contattato all'indirizzo john.hilton@innfeedback.com<\/a>. Seguitelo su Twitter @INNJohnH.<\/em><\/p>\n\n\n\n

\u00a9 Tutti i contenuti sono protetti dal copyright 2024 di InsuranceNewsNet.com Inc. Tutti i diritti riservati. Nessuna parte di questo articolo pu\u00f2 essere ristampata senza il consenso scritto di InsuranceNewsNet.com.<\/strong><\/p>\n\n\n\n

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

Editore senior di InsuranceNewsNet John Hilton<\/a> si \u00e8 occupato di economia e di altri argomenti in oltre 20 anni di giornalismo quotidiano. John pu\u00f2 essere contattato all'indirizzo john.hilton@innfeedback.com<\/a>. Seguitelo su Twitter @INNJohnH<\/a>.<\/p>","protected":false},"excerpt":{"rendered":"

Di John Hilton Le autorit\u00e0 di regolamentazione delle assicurazioni statali sono stanche di cercare di tenere il passo con gli assicuratori vita che eludono rapidamente i tentativi di ridurre le illustrazioni. Invece di emanare ulteriori norme, le autorit\u00e0 di regolamentazione si rivolgono direttamente ai prodotti. Il Sottogruppo Illustrazione Vita Universale Indicizzata sta \u201cesaminando esempi aziendali specifici\u201d sia di IUL che di rendite che utilizzano illustrazioni, ha dichiarato...<\/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\/it\/i-migliori-strumenti-saas-per-incrementare-la-crescita-aziendale\/\" \/>\n<meta property=\"og:locale\" content=\"it_IT\" \/>\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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