It's The Law: Insurance Companies Are Required To 'Willingly' Pay Claims Properly And Promptly (Good Faith) And It Is Illegal To 'Willingly' Discount, Delay Or Deny Payment Of Claims (Bad Faith) *
Ranking Of Insurer Groups Claims Payment Practices *       (from 655 insurer groups comprising 3693 insurer companies)
HALL OF SHAME                CLAIMS DENIED *               BAD-FAITH PRACTICES *               (#1 = THE WORST)		HALL OF FAME    CLAIMS PAID *   GOOD-FAITH PRACTICES *    (#1 = THE BEST)
Rank	Bad-Faith Insurers *	Rank	Good-Faith Insurers *
1.	The Hartford [do not buy] *	1.	Chubb [ok to buy] *
2.	State Farm [do not buy] *	2.	Amica [ok to buy] *
3.	Allstate [do not buy] *	3.	Allianz [ok to buy] *
* CLICK HERE to view the 'FBIC 100' (the 50 worst bad faith and 50 best good faith group insurers                      along with notes, research sources and methodology used in FBIC's ranking system.)                   * Ranking at January 2009. No company is complaint-free. Ranking list is subject to change.  * All Rights Reserved. Read our Legal Disclaimer and Copyright

              ................... Insurance Policyholders:   Buying Or Renewing Insurance?   FBIC Asks You To Buy Insurance From Good Faith Insurers And To Boycott Bad Faith Insurers!       ................... Insurance Policyholders:   FBIC Asks Each American To Buy Insurance From Good Faith Insurers And To Boycott Bad Faith Insurers!       ................... Insurance Policyholders:   FBIC Asks All Americans To Buy Insurance From Good Faith Insurers And To Boycott Bad Faith Insurers!       ................... Insurance Policyholders:   FBIC Asks You To Buy Insurance From Good Faith Insurers And To Boycott Bad Faith Insurers!       ................... Insurance Policyholders:   FBIC Asks Each American To Buy Insurance From Good Faith Insurers And To Boycott Bad Faith Insurers!       ................... Insurance Policyholders:   FBIC Asks All Americans To Buy Insurance From Good Faith Insurers And To Boycott Bad Faith Insurers!

• What Will Be The Effects On The Insurance Industry?
• What Insurance Companies Are Negatively Exposed And Most Likely To Fail?
• What Insurance Companies Are Illegally Denying Claims And Increasingly Advancing Bad Faith Insurance Practices Agendas In Order To Illegally Save And Preserve Capital In Hopes Of Preventing Or Putting Off Their Company's Ensuing Failure And/or Insolvency (In Hopes Of Saving Their Own Jobs And Incomes)?

• (1) Insurance-Financial Services Industry Headlines
• (1a-The Hartford Upfront) Hartford Financial Services (HIG)
• (1a-The Hartford On Direct Recall) Hartford Financial Services (HIG)
• (1a-The Hartford Headlines) Hartford Financial Services (HIG)
• (1b-AIG Upfront) American International Group (AIG)
• (1b-AIG On Direct Recall) American International Group (AIG)
• (1b-AIG Headlines) American International Group (AIG)
• (1c-Metlife On Direct Recall) Metlife (MET)
• (1c-Metlife Headlines) Metlife (MET)
• (1d-Prudential On Direct Recall) Prudential Financial Inc. (PRU)
• (1d-Prudential Headlines) Prudential Financial Inc. (PRU)
• (1e) Allstate (ALL)
• (1f) Principal Financial Group (PFG)
• (1g) XL Capital (XL)
• (1h) Lincoln National (LNC)
• (1i) St. Paul Travelers (TRV)
• (1j) CNA Financial (CNA)
• (1k) Genworth Financial (GNW)
• (1l) Progressive (PGR)
• (1m) Ameriprise Financial (AMP)
• (1n) Aflac (AFL:US)
• (1o) Nationwide (NFS)
• (1p) ING (ING)
• (1q) Zurich Financial (Swiss: ZURN.VX)
• (1r) Aegon (Dutch: AEG.N)
• (1s) Syncora (SCA)
• (1t) Protective Life (PL)
• (1u) GMAC (GMA)
• (1v) UNUM (UNM)
• (1yy) The Back Room (A Few Reinsurance & Runoff Bytes Of Interest)
• (1zz) Fraudster - Bad Faith (A Few Alleged Bad Faith Insurance Fraud Bytes)
• (Headlines #2-19) (More FBIC Bad Faith Insurance Consumer Headlines, Issues)

• HEADLINE #1-264 (June 2, 2009) Insurance-Financial Services: MetLife Says U.S. Aid May Create 'Zombie' Insurers ... "Competitors Hartford Financial Services Group Inc. and Lincoln National Corp. were offered government funds last month and both said they will consider accepting a bailout.".
• HEADLINE #1-263 (May 29, 2009) Insurance-Financial Services: Senate confirms former Hartford exec as deputy Treasury secretary.
• HEADLINE #1-262 (May 28, 2009) Insurance-Financial Services: AIG Must Vet Finances Of Liddy Replacement, Says Rep. Cummings.
• HEADLINE #1-261 (May 28, 2009) Insurance-Financial Services: Variable Annuity Sales Fall 27% as MetLife Takes Lead.
• HEADLINE #1-260 (May 28, 2009) Insurance-Financial Services: Health Overhaul Fails Without U.S. Plan, Rangel Says.
• HEADLINE #1-259 (May 27, 2009) Insurance-Financial Services: Kanjorski Reintroduces Bill to Create National Insurance Office.
• HEADLINE #1-258 (May 26, 2009) Insurance-Financial Services: State Farm called Katrina a "Water Storm".
• HEADLINE #1-257 (May 26, 2009) Insurance-Financial Services: NC Dominated By Two Insurers.
• HEADLINE #1-256 (May 26, 2009) Insurance-Financial Services: CT House Debates Health Care Pooling Bill.
• HEADLINE #1-255 (May 20, 2009) Insurance-Financial Services: Insurers Face 'Pain' From Commercial Loans, S&P Says.
• HEADLINE #1-254 (May 20, 2009) Insurance-Financial Services: Activists seek Justice Dept. probe of insurers.
• HEADLINE #1-253 (May 19, 2009) Insurance-Financial Services: NAIC to Assert Authority (lol) over Noninsurance Businesses (lol) ... If They Do So Like They Do Insurers, God Help Us All, Don't Let It Happen.
• HEADLINE #1-252 (May 19, 2009) Insurance-Financial Services: Health Insurers Return To The Table -- Again ......
• HEADLINE #1-251 (May 18, 2009) Insurance-Financial Services: Miss. AG Keep State Farm settlement deal sealed???????.
• HEADLINE #1-250 (May 18, 2009) Insurance-Financial Services: TARP Opens For Insurers, Some Enter.
• HEADLINE #1-249 (May 18, 2009) Insurance-Financial Services: Kanjorski Federal Regulation No Longer a Matter of 'If'.
• HEADLINE #1-248 (May 18, 2009) Insurance-Financial Services: Insurers Contributed $35.7 Million to Members of Congress Since 2005.
• HEADLINE #1-247 (May 17, 2009) Insurance-Financial Services: Health Insurance From Uncle Sam Gets A Look.
• HEADLINE #1-246 (May 16, 2009) Insurance-Financial Services: Is It Safe? Prudential's And Others Billions in Mortgages.
• HEADLINE #1-245 (May 15, 2009) Insurance-Financial Services: Treasury Clears Prudential, Allstate Corp., Hartford Financial, Principal Financial Group Inc., Ameriprise Financial Inc. and Lincoln National Corp. for US TARP Bailout Funds.
• HEADLINE #1-244 (May 14, 2009) Insurance-Financial Services: GAO Report Says Insurance Regulation Should Be More Uniform, Reciprocal.
• HEADLINE #1-243 (May 13, 2009) Insurance-Financial Services: Allianz Profit Drops 97%.
• HEADLINE #1-242 (May 11, 2009) Insurance-Financial Services: Munich Re 1Q Net Profit Falls 46 Percent.
• HEADLINE #1-241 (May 11, 2009) Insurance-Financial Services: Marsh & McLennan Posts 1Q Profit.
• HEADLINE #1-240 (May 9, 2009) Insurance-Financial Services: Berkshire Posts First Loss Since 2001.
• HEADLINE #1-239 (May 7, 2009) Insurance-Financial Services: Swiss Re Returns to Profit on Higher Premium Income.
• HEADLINE #1-238 (May 7, 2009) Insurance-Financial Services: Sun Life Has First-Quarter Loss as Stocks Decline.
• HEADLINE #1-237 (May 7, 2009) Insurance-Financial Services: Medicare Advantage, Drug Plans Face Fraud Scrutiny in Budget.
• HEADLINE #1-236 (May 7, 2009) Insurance-Financial Services: Manulife Has First-Quarter Loss on Equity Markets.
• HEADLINE #1-235 (May 6, 2009) Insurance-Financial Services: Cox's SEC Hindered Probes, Slowed Cases, Shrank Fines, GAO Says ... This Confirms What FBIC Was First To Expose In 2005 And Repeatedly Reiterated In 2006, 2007 and 2008 About The SEC And At The Time SEC Chairman Cox.
• HEADLINE #1-234 (May 5, 2009) Insurance-Financial Services: Liberty Mutual Net Falls 92% on Private Equity Loss.
• HEADLINE #1-233 (May 5, 2009) Insurance-Financial Services: American Financial Rises on First-Quarter Profit Gain.
• HEADLINE #1-232 (May 4, 2009) Insurance-Financial Services: Obama Tax Plan Would Go After Offshore Operations (Insurers, Etal).
• HEADLINE #1-231 (May 4, 2009) Insurance-Financial Services: Buffett Lambastes Bankers, Insurers for 'Stupidity'.
• HEADLINE #1-230 (May 3, 2009) Insurance-Financial Services: Buffett Says Insurers Took 'Ungodly' Amount of Risk.
• HEADLINE #1-229 (May 2, 2009) Insurance-Financial Services: Berkshire Operating Earnings Drop to $1.7 Billion.
• HEADLINE #1-228 (May 1, 2009) Insurance-Financial Services: Greater Federal Insurance Oversight a Given, CEO Panel Agrees.
• HEADLINE #1-227 (May 1, 2009) Insurance-Financial Services: Foreign Insurers Fight Proposals To Tax Offshore Activity.
• HEADLINE #1-226 (May 1, 2009) Insurance-Financial Services: Aon Falls After Insurance Brokerage Misses Estimates.
• HEADLINE #1-225 (May 1, 2009) Insurance-Financial Services: Fitch Places Health Net's Ratings on Watch Negative.
• HEADLINE #1-224 (April 30, 2009) Insurance-Financial Services: Hartford, MetLife Post Losses Amid Investment Woes.
• HEADLINE #1-223 (April 30, 2009) Insurance-Financial Services: Assurant Plunges as Profit Falls on Revenue Slump, Investments.
• HEADLINE #1-222 (April 29, 2009) Insurance-Financial Services: Eight Trades Write Congress In Support Of OFC.
• HEADLINE #1-221 (April 29, 2009) Insurance-Financial Services: Allianz First-Quarter Operating Profit Falls 41%.
• HEADLINE #1-220 (April 29, 2009) Insurance-Financial Services: ACE Net Up 50 Percent In Quarter.
• HEADLINE #1-219 (April 28, 2009) Insurance-Financial Services: Fraudulent Insurance Claims Surge Amid Economic Slump, Says Industry.
• HEADLINE #1-218 (April 28, 2009) Insurance-Financial Services: Berkshire's 31% Decline Spurred by Derivatives Buffett Derided.
• HEADLINE #1-217 (April 27, 2009) Insurance-Financial Services: Colorado Committee Blocks Unfair-Practices Bill That Would Have Barred Insurance Companies From Offering Bonuses And Incentives To Adjusters And Other Employees For Denying Claims.
• HEADLINE #1-216 (April 24, 2009) Insurance-Financial Services: Phoenix Intends To Withdraw Its Application To Participate In TARP.
• HEADLINE #1-215 (April 23, 2009) Insurance-Financial Services: Torchmark Plunges as More Holdings Are Cut to Junk.
• HEADLINE #1-214 (April 23, 2009) Insurance-Financial Services: Chubb Profit Declines 49% on Investments, Lower Sales.
• HEADLINE #1-213 (April 22, 2009) Insurance-Financial Services: Senate Votes to Create Panel to Probe Causes of Economic Crisis.
• HEADLINE #1-212 (April 22, 2009) Insurance-Financial Services: Geithner Assumes Insurers In CPP.
• HEADLINE #1-211 (April 21, 2009) Insurance-Financial Services: Why Social Security Disability Insurance System Is Crumbling.
• HEADLINE #1-210 (April 21, 2009) Insurance-Financial Services: State Farm Claims Manager Ordered To Testify.
• HEADLINE #1-209 (April 21, 2009) Insurance-Financial Services: Geithner Mission - Will Continue To Seek Authority To Place Non-Bank Financial Institutions In Receivership.
• HEADLINE #1-208 (April 21, 2009) Insurance-Financial Services: More Social Security Disability Applicants Are Seeking Representation.
• HEADLINE #1-207 (April 21, 2009) Insurance-Financial Services: Insurers Concerned About NAIC Pursuit of Its Own Rating Agency.
• HEADLINE #1-206 (April 21, 2009) Insurance-Financial Services: AXA Equitable's Latest Survey Making Ends Meet Surges as a Growing Worry.
• HEADLINE #1-205 (April 20, 2009) Insurance-Financial Services: Outlook For Life, Health Remains Negative Says S&P.
• HEADLINE #1-204 (April 20, 2009) Insurance-Financial Services: Express Scripts CEO got compensation worth $13.8M.
• HEADLINE #1-203 (April 20, 2009) Insurance-Financial Services: Liddy Should Sell $3 Million Goldman Sachs Stake, Lawmakers Say ... As FBIC has called it right from the beginning based upon overwhelming hard evidence collected over the past years, and on behalf of the American People and U.S. Taxpayers, FBIC requests, supports and welcomes a 'deep and thorough' investigative effort by The FBI And Federal Authorities into the behind-the-scenes actions and legality/illegality nature of the activities by Edward Liddy in his '$1 per year' (not counting stock bonuses now heard to be expected to be paid in 2010) position as Chairman & CEO of AIG. Taxpayers and the American People may/will financially support an 'honest' American System at their expense but have more than reached the point of patience where they are angered, frustrated and tired of being suckers by those that are in powerful and privileged positions that do things against the best interests of our country solely for their own personal gains! At very minimum, have any of these supposedly bright and talented, powerful/privileged positioned and "reportedly patriotic" business executives heard of the simplistic word "Recuse" when making decisions that involve their own conflicts of interest??????? Already knowing where many of the frauds-bodies are buried, We ask the American people and the U.S. Government to appropriate to it 'subpoena power' and the authority to investigate such questionable activities against the American People by (bad faith) insurers and financial services companies executives ... and FBIC will do it for $ nothing (zero dollars).
• HEADLINE #1-202 (April 20, 2009) Insurance-Financial Services: Allianz Follows Hartford, Principal in Seeking Relief.
• HEADLINE #1-201 (April 16, 2009) Insurance-Financial Services: Minnesota Considers Bill That Would Allow Recovery of Interest, Attorney Fees.
• HEADLINE #1-200 (April 16, 2009) Insurance-Financial Services: Moody's Drops Commercial Lines Outlook To Negative.
• HEADLINE #1-199 (April 10, 2009) Insurance-Financial Services: Connecticut AG Criticizes Bailout Money for Credit Rating 'Conspirator' Firms (Moody's, Standard & Poors, Fitch).
• HEADLINE #1-198 (April 10, 2009) Insurance-Financial Services: Financial Crisis Imperils Re-Insurers Ability to Access Capital.
• HEADLINE #1-197 (April 10, 2009) Insurance-Financial Services: P&C Insurers' Net Slumped 96% In '08; Remain Well-Capitalized.
• HEADLINE #1-196 (April 9, 2009) Insurance-Financial Services: Insurance Sales Fall Most in Half Century Amid Slump.
• HEADLINE #1-195 (April 8, 2009) Insurance-Financial Services: New York Life Posts $950 Million 2008 Net Loss on Investments.
• HEADLINE #1-194 (April 8, 2009) Insurance-Financial Services: Buffett's Berkshire Hathaway Loses Moody's Top Credit Rating.
• HEADLINE #1-193 (April 8, 2009) Insurance-Financial Services: U.S. to Offer Aid to Life Insurers.
• HEADLINE #1-192 (April 8, 2009) Insurance-Financial Services: Brokers Fear Many Insurers Are Ignorant of Annuity Risks.
• HEADLINE #1-191 (April 7, 2009) Insurance-Financial Services: New York’s First Department Rejects Insurer’s Attempt To Disclaim Coverage On Grounds Not Specifically Identified In The Initial Disclaimer.
• HEADLINE #1-190 (April 6, 2009) Insurance-Financial Services: Axa's Cash Flow 'Tight, Vulnerable,' Debt Rising, JPMorgan Says.
• HEADLINE #1-189 (April 3, 2009) Insurance-Financial Services: Insurance Regulators May Reduce Use of Rating Firms.
• HEADLINE #1-188 (April 3, 2009) Insurance-Financial Services: House Bill Submitted To Create Federal Insurance Charters.
• HEADLINE #1-187 (April 2, 2009) Insurance-Financial Services: Swiss Re Plans to Slash 10% of Jobs After Record Loss.
• HEADLINE #1-186 (April 2, 2009) Insurance-Financial Services: Hartford, Protective Left Hanging as Treasury Stalls.
• HEADLINE #1-185 (April 2, 2009) Insurance-Financial Services: Ameriprise, Lincoln, Etal. Most Vulnerable to Withdrawals, Morgan Stanley Dally Says.
• HEADLINE #1-184 (April 1, 2009) Insurance-Financial Services: Dodd’s AIG Ties, Cash Shortage Threaten Senate Re-Election Bid.
• HEADLINE #1-183 (April 1, 2009) Insurance-Financial Services: AIG Workers’ Compensation Probed by 50 State Regulators.
• HEADLINE #1-182 (April 1, 2009) Insurance-Financial Services: GAO Urges Treasury to Require Concessions From AIG Stakeholders.
• HEADLINE #1-181 (April 1, 2009) Insurance-Financial Services: U.S. Attorney In Conn. Withdraws Motions To Remand Convicted Insurance Execs.
• HEADLINE #1-180 (March 31, 2009) Insurance-Financial Services: Life Insurers Are Finding Their Fates Tied to Stocks.
• HEADLINE #1-179 (March 31, 2009) Insurance-Financial Services: 13 States Pressing Bad Faith Insurance Legislation Changes ... Montana Senate Panel Rejects Bad Faith Law Changes.
• HEADLINE #1-178 (March 30, 2009) Insurance-Financial Services: Members of Congress Want AIG Collateral Payments Investigated.
• HEADLINE #1-177 (March 30, 2009) Insurance-Financial Services: Dems Question AIG Transactions.
• HEADLINE #1-176 (March 28, 2009) Insurance-Financial Services: 7 Big Banks Seek Monopoly Receiving Payments From AIG On Derivatives.
• HEADLINE #1-175 (March 28, 2009) Insurance-Financial Services: Toxic Asset Plan May Appeal Little to Banks, Insurers on Write-Down Rule.
• HEADLINE #1-174 (March 27, 2009) Insurance-Financial Services: White House Asks For U.S. Regulator For Large Insurers.
• HEADLINE #1-173 (March 27, 2009) Insurance-Financial Services: U.S. Property Casualty Insurance Industry Net Profits Tumbled In 2008.
• HEADLINE #1-172 (March 26, 2009) Insurance-Financial Services: Life's Market Value Falls as Seniors Unload Insurance Policies.
• HEADLINE #1-171 (March 25, 2009) Insurance-Financial Services: As U.S. Life Industry's Market Cap Tanks, Access to Cash Gets Tougher.
• HEADLINE #1-170 (March 25, 2009) Insurance-Financial Services: Bernanke Legal Excuse For AIG Bonuses Challenged By CT State AG Blumenthal.
• HEADLINE #1-169 (March 25, 2009) Insurance-Financial Services: Buffett’s Berkshire May Lose AAA Rating From S&P.
• HEADLINE #1-168 (March 25, 2009) Insurance-Financial Services: Geithner Seeks Broad Power To Seize Firms ... Treasury Secretary To Ask Congress For Expanded Authority To Take Over Troubled Non-Bank Financial Companies.
• HEADLINE #1-167 (March 20, 2009) Insurance-Financial Services: The Real Scandal At AIG Is Not The Bonuses ... It's The Payments To Counterparties
• HEADLINE #1-166 (March 19, 2009) Insurance-Financial Services: Bill Would Repeal (McCarron-Ferguson) Insurers’ Antitrust Exemption Shield.
• HEADLINE #1-165 (March 18, 2009) Insurance-Financial Services: Variable Annuity Assets Fall 13% to $1.1 Trillion.
• HEADLINE #1-164 (March 18, 2009) Insurance-Financial Services: Allianz Posts $3.21 Billion 2008 Loss.
• HEADLINE #1-163 (March 18, 2009) Insurance-Financial Services: The Real AIG Outrage.
• HEADLINE #1-162 (March 18, 2009) Insurance-Financial Services: Treasury Will Make Grab to Recoup Bonus Funds.
• HEADLINE #1-161 (March 18, 2009) Insurance-Financial Services: Senators Asks TARP To Probe AIG Use Of Bailout Cash.
• HEADLINE #1-160 (March 18, 2009) Insurance-Financial Services: Regulators Say State Funds Can Handle Insurer Failure.
• HEADLINE #1-159 (March 17, 2009) Insurance-Financial Services: Worry Grows Over Insurers.
• HEADLINE #1-158 (March 17, 2009) Insurance-Financial Services: Life Insurers Lost $32 Billion in Capital in 2008.
• HEADLINE #1-157 (March 16, 2009) Insurance-Financial Services: Insurers Win in Conn. on 'Bad Faith', Insurance Scoring and Flex Rating.
• HEADLINE #1-156 (March 16, 2009) Insurance-Financial Services: What You Need to Know if Your Insurance Company is in Financial Distress.
• HEADLINE #1-155 (March 13, 2009) Insurance-Financial Services: MBIA Debt-Guarantee Split Sparks Hedge Fund Lawsuit. FBIC notes this article because the MBIA transaction has sweeping potential ramifications that in the future could severely damage shareholders and policyholders. Besides the concern for MBIA's solvency status on the other hand there is concern that the toxic non-municipal bond side of the transaction will ultimately wind up in runoff and whereby shareholders may/will wind up with shares worth nothing and payment of policyholders claims will be averted and not be paid as FBIC notes has occurred in many other situations.
• HEADLINE #1-154 (March 13, 2009) Insurance-Financial Services: Buffett’s Berkshire Has AAA Debt Rating Cut by Fitch. Fitch Ratings cited concern about the potential for losses on the insurer's equity and derivatives holdings.
• HEADLINE #1-153 (March 13, 2009) Insurance-Financial Services: Variable Annuity Questions Answered.
• HEADLINE #1-152rev.-1 (Updated March 16, 2009) Insurance-Financial Services: NAIC Posts 2007 And Updated 2008 Permitted Practices Figures.
• HEADLINE #1-152 (March 13, 2009) Insurance-Financial Services: NAIC Posts Permitted Practices Report.
• HEADLINE #1-151 (Rev. March 9, 2009) Insurance-Financial Services: NAIC Reports: Top 5 Reasons Insurance Consumers File Complaints Against Insurers. FBIC Note: As reported by the NAIC article, "The top three reasons consumers filed formal complaints against their insurance companies in 2008 were delays, denials of claims and unsatisfactory settlement offers." FBIC does not applaud the NAIC for finally coming clean on the nature of the substance of the most prevalent consumer insurance complaints. The report, as FBIC recognizes, comes better late than never as times have forced the NAIC to do so ... otherwise by not doing so would only subject them to more overwhelming shame and ridicule. In earlier days and up until now, the NAIC would indicate for example that one of the biggest if not the #1 consumer complaint was something of a lesser fraudulent nature for example something like a favorite previously used "insurers didn't respond to insureds complaints within the number of days, some 30 or 45 days, allowed for" under the individual states' statutes.
  
  Up until now, they would never have admitted to the fact as they did in this report that "The top three reasons consumers filed formal complaints against their insurance companies in 2008 were delays, denials of claims and unsatisfactory settlement offers" which FBIC has professed and fought for such illegal bad faith insurer practices to be exposed since it's 1998 inception and which has been going on we expect for 200 years and definitely moreso in the past 30 years. It's unfortunate that the NAIC report comes now at a time when the economy per Warren Buffett "is experiencing a Pearl Harbor" and is badly sinking to the point where many truths are being forced to out as heretofore many of such truths would have never been admitted to by the NAIC and insurance industry establishment. The NAIC recognizes that because of the persistent increasing pressures of FBIC, in concert with the press, plaintiff lawyers, and the mounting force of populism and consumerism, such truths being more frequently exposed are slowly starting to succeed and win out over the pervasive illegal and fraudulent practices being perpetrated by insurers although  law enforcement is badly behind. Furthermore, with the past and present movement of pervasive frauds of insurers being increasingly exposed picking up steam, which unfortunately and to the contrary the NAIC can not take a shred of credit for. In the past, the NAIC has quietly behind closed doors and under the sheets favored if not totally supported the fraudulent activities of insurers over policyholders, claimants and consumers ... it's proven so on this website. With exception of consumer advocates recently being allowed to play a larger role by the NAIC, don't expect this candor to continue on ad infinitum as the minute this focus of attention dwindles and brief period of exposure passes, we expect with the extreme money and power of the insurance industry being as strong as it is, so too will the holes in the insurance industry wall of silence to be plugged and the level and extent of the scrutiny and candor to diminish and/or return to more controlled industry maintained levels.
  
  In this report the NAIC states a total of 195,669 confirmed consumer complaints on insurance companies were reported in 2008 calendar year. (FBIC has reported from extensive research in previous years, that it estimates there being upwards of 1 million or more complaints annually against insurers and stands behind this number. Why the disparity? Many states, near half + or - of the state insurance departments do not report such complaint related information to the NAIC for their gathering. In addition, an overwhelming majority of complainants do not bother to submit their (claims related) insurance related complaints to their state insurance departments, something which FBIC has advocated complainants need to do since its inception moreso in order to help change the overwhelming imbalance of power between insurers and insureds. FBIC has advocated since inception the reporting of insureds complaints to their state insurance departments not that they would help with their claims denials but specifically in order to change this imbalance. The NAIC should have noted this information in it's report.
• HEADLINE #1-150 (March 7, 2009) Insurance-Financial Services: Who Got AIG's Bailout Billions?
• HEADLINE #1-149 (March 6, 2009) Insurance-Financial Services: Failure Worries Drag Down Life Insurers. To learn about the current health and financial status of a life insurance company, you will want to read about each of the individual sectioned insurers by clicking on the insurer's link above ... FYI, The Hartford appears close to failing if not already insolvent. (Hartford Financial Services NYSE: HIG real-time stock price)
• HEADLINE #1-148 (March 5, 2009) Insurance-Financial Services: OTS 'Fell Short' Regulating AIG Credit Swaps, Polakoff Says.
• HEADLINE #1-147 (March 5, 2009) Insurance-Financial Services: Aviva Falls After Posting Loss, Maintaining Dividend.
• HEADLINE #1-146 (March 5, 2009) Insurance-Financial Services: Ex-Gen Re Executive (Christopher Garand) Gets 1 Year In Prison.
• HEADLINE #1-145 (March 5, 2009) Insurance-Financial Services: Munich Re 4Q Net Profit Down 80 Percent.
• HEADLINE #1-144 (March 3, 2009) Insurance-Financial Services: NCOIL Model Law Would Keep (Bad) Market Conduct Data (Of Insurance Companies) Confidential. FYI, NCOIL (National Conference of Insurance Legislators) is an organization comprised of state legislators that works closely with the NAIC (National Association of Insurance Commissioners). Transparency in the insurance industry? Ahh! Special interest corruption is alive, well and continues to thrive as it knows no boundaries in the insurance (insurers') industry.
• HEADLINE #1-143 (March 2, 2009) Insurance-Financial Services: Conseco’s Auditors May Raise Doubt About Survival.
• HEADLINE #1-142 (March 2, 2009) Insurance-Financial Services: So Long, Farewell, Auf Wiedersehen: Is It (Anonymity) Game Over For Swiss Banks? If Transparency Can Happen With Swiss Banks, Then Can It Happen With Bad Faith Insurers?
• HEADLINE #1-141 (March 2, 2009) Insurance-Financial Services: State Farm's Net Worth Drops $10.4 Billion; Rust Earns $13.66 Million.
• HEADLINE #1-140 (March 2, 2009) Insurance-Financial Services: AIG to Get Up to $30 Billion More in New Bailout After Loss.
• HEADLINE #1-139 (March 1, 2009) Insurance-Financial Services: U.S. Revamps Bailout of AIG ... Gets $30 Billion More From TARP Funds.
• HEADLINE #1-138 (Feb. 28, 2009) Insurance-Financial Services: Berkshire Profit Plunges 96% on Stock Market Bets.
• HEADLINE #1-137 (Feb. 27, 2009) Insurance-Financial Services: The Back End: Insurance at Edge of Storm, U.K. Runoff Specialists (Insurance Company Liquidators) Told. [Reinsurance and insurance runoff companies (insurance company liquidators) use the courts system to hide behind, forestall and put-off paying claims in many if not most cases determining whether your insurance claims are paid or not ... you may want to keep a watch on our new section "The Back Room" for upcoming exposes' on their bad faith insurance practices and activities that we guarantee to raise an eyebrow.]
• HEADLINE #1-136 (Feb. 27, 2009) Insurance-Financial Services: Prudential to Weather Recession Better Than MetLife (And Other Life Insurers Recently Downgraded Says S&P).
• HEADLINE #1-135 (Feb. 27, 2009) Insurance-Financial Services: State Farm Net Worth Drops 16 Percent to $53.3 Billion.
• HEADLINE #1-134 (Feb. 27, 2009) Insurance-Financial Services: State Farm Loses $542 Million on Storms, Car Claims.
• HEADLINE #1-133 (Feb. 27, 2009) Insurance-Financial Services: S&P Cuts 10 Life Insurers On Higher Loss Assumptions, Includes Metlife, Hartford.
• HEADLINE #1-132 (Feb. 24, 2009) Insurance-Financial Services: AIG Seeks More US Funds As Record Loss Looms. As FBIC Hears, Is AIG Preparing For Bankruptcy?
• HEADLINE #1-131 (Feb. 20, 2009) Insurance-Financial Services: Buffett’s Berkshire Drops to Lowest in Five Years.
• HEADLINE #1-130 (Feb. 20, 2009) Insurance-Financial Services: Hartford, Principal Face Commercial Mortgage Losses.
• HEADLINE #1-129 (Feb. 20, 2009) Insurance-Financial Services: Conn. Bill To Ease Bad Faith Suits Stirs Insurers’ Opposition ... In An Attempt To Help Protect Policyholders In What Has Been Known As The (Bad Faith) Insurance Capitol Of The World.
• HEADLINE #1-128 (Feb. 20, 2009) Insurance-Financial Services: Iowa Joins States Granting Capital And Surplus Relief ... Leaving Policyholders Potentially Exposed
• HEADLINE #1-127 (Feb. 20, 2009) Insurance-Financial Services: Axa Tumbles to Lowest Since 1995 as S&P Cuts Outlook.
• HEADLINE #1-126 (Feb. 19, 2009) Insurance-Financial Services: Axa Has Second-Half Loss on Decline in Investments.
• HEADLINE #1-125 (Feb. 19, 2009) Insurance-Financial Services: Swiss Re Downgraded by S&P After 'Capital Depletion'.
• HEADLINE #1-124 (Feb. 17, 2009) Insurance-Financial Services: Axa Asia Posts $372.9 Million Loss on Investments.
• HEADLINE #1-123 (Feb. 17, 2009) Insurance-Financial Services: Lloyds Slides for Second Day After HBOS Loss Forecast.
• HEADLINE #1-122 (Feb. 16, 2009) Insurance-Financial Services: Insurers Go To States For A Break On Surplus Requirements.
• HEADLINE #1-121 (Feb. 16, 2009) Insurance-Financial Services: OFC Sponsors To Introduce Beefed-Up Federal Insurance Regulator Bill.
• HEADLINE #1-120 (Feb. 12, 2009) Insurance-Financial Services: Hartford Got Nearly $1 Billion Relief From Ex-Manager Turned Regulator. It's been less than 14 months since FBIC spearheaded the movement in which it called for and received the resignation of Connecticut's former insurance commissioner, (Susan Cogswell) and already FBIC finds itself again asking the FBI to come back and reinvestigate allegations of wrongdoing in this transaction ... and asking for the immediate resignation of the current newly installed (less than 10 months) Connecticut State Insurance Commissioner Thomas Sullivan who should have recused himself from the conflict of interest and involvement in making this major decision which was a unique and serious aberration from normal policy and which impacts all of the country's policyholders of The Hartford, it's state's citizens and taxpayers. How stupid or fraudulent can one be?
• HEADLINE #1-119 (Feb. 12, 2009) Insurance-Financial Services: Hartford Falls After Ouster From U.S. Commercial Paper Program.
• HEADLINE #1-118 (Feb. 12, 2009) Insurance-Financial Services: AIG Financial Products Unit Probed by U.K. Prosecutor.
• HEADLINE #1-117 (Feb. 12, 2009) Insurance-Financial Services: Best Projects 2008 Industry Net Income Down 80%.
• HEADLINE #1-116 (Feb. 10, 2009) Insurance-Financial Services: More Than Half of Insurers May Be Downgraded By Fitch.
• HEADLINE #1-115 (Feb. 10, 2009) Insurance-Financial Services: Treasury Plan Has No Bailout Money For Insurers.
• HEADLINE #1-114 (Feb. 10, 2009) Insurance-Financial Services: Life Insurance Stocks Fall On Rating Worries.
• HEADLINE #1-113 (Feb. 10, 2009) Insurance-Financial Services: No Federal $ For Insurers.
• HEADLINE #1-112 (Feb. 9, 2009) Insurance-Financial Services: Mercury Insurance Reports Q4 Loss of $168 Million.
• HEADLINE #1-111 (Feb. 9, 2009) Insurance-Financial Services: Insurance Sales Decline in Worst Streak Since 1930s. Policy sales by U.S. property and casualty insurers probably fell for a second straight year in 2008, the first back-to-back decline since the 1930s, A.M. Best Co. said.
• HEADLINE #1-110 (Feb. 6, 2009) Insurance-Financial Services: TARP Program Overseer Says U.S. Losing Big On AIG Investment.
• HEADLINE #1-109 (Feb. 6, 2009) Insurance-Financial Services: Aon 4Q Net Income Drops 95%.
• HEADLINE #1-108 (Feb. 5, 2009) Insurance-Financial Services: 9% P&C Sector Jan. Rate Decline Follows Prior Months.
• HEADLINE #1-107 (Feb. 5, 2009) Insurance-Financial Services: Swiss Re Gets $2.6 Billion From Buffett After Loss.
• HEADLINE #1-106 (Feb. 5, 2009) Insurance-Financial Services: Cigna Reports Quarterly Loss on Investment Declines.
• HEADLINE #1-105 (Feb. 5, 2009) Insurance-Financial Services: Insurer Ace Ltd Posts Sharp Drop In Q4 Profit.
• HEADLINE #1-104 (Feb. 4, 2009) Insurance-Financial Services: Swiss Re Pays Price For Lingering Uncertainty.
• HEADLINE #1-103 (Feb. 4, 2009) Insurance-Financial Services: PartnerRe Q4 Net Drops 52% to $95.3 Million; FY Down 94% to $46.5 Million.
• HEADLINE #1-102 (Feb. 4, 2009) Insurance-Financial Services: Munich Re Full-Year Profit Drops 62% on Writedowns.
• HEADLINE #1-101 (Feb. 2, 2009) Insurance-Financial Services: Financial Roundtable Supports Federal Insurance Regulation.
• HEADLINE #1-100 (Feb. 2, 2009) Insurance-Financial Services: Perspectives: The Regulatory Scramble over Credit Default Swaps Begins.
• HEADLINE #1-99 (Feb. 3, 2009) Insurance-Financial Services: Insurers’ Corporate-Bond Losses May Exceed Subprime.
• HEADLINE #1-98 (Feb. 2, 2009) Insurance-Financial Services: Ambac Pays Four Executives $3 Million in Bonuses.
• HEADLINE #1-97 (Jan. 29, 2009) Insurance-Financial Services: Regulators Vote Down Capital Relief for Life Insurers.
• HEADLINE #1-96 (Jan. 27, 2009) Insurance-Financial Services: NAIC Surplus Proposal To Lower Insurers Capital And Surplus Requirements Draws NCOIL Fire. Let there be no question that FBIC sides with NCOIL on this matter and is against NAIC's proposal to lower any statutory capital and surplus requirements especially at this time when a number of insurers have shown that they are exposed to bankruptcy and/or insolvency as a resort of the present declining economy. Lowering the surplus and capital requirements would expose some if not many policyholders to their insurance policies becoming worthless. (Note: The NAIC/National Association Of Insurance Commissioners historically and generally has always sided with insurers over policyholders in spite of NAIC claims to the contrary.)
• HEADLINE #1-95 (Jan. 23, 2009) Insurance-Financial Services: Lawmakers Press Geithner On US Insurance Oversight ... Much More Than Oversight Will Be Needed In Any Attempt To Bring More Than A Slight Semblance Of Legitimacy To An Industry Where Any Minimal Investigation Over The Past 200 Years Has Repeatedly Proven To Be Heavily Entrenched In Criminal Enterprise Activities And Where Such "Widespread Fraud And Corruption" Has Been Proven To Exist.
• HEADLINE #1-94 (Jan. 21, 2009) Insurance-Financial Services: AARP Is Sued Over Insurance Premiums Charged to Its Members.
• HEADLINE #1-93 (Jan. 21, 2009) Insurance-Financial Services: Ensuring 'Solvency' Is The Jackpot As Life Insurers Reach Out to NAIC, Treasury for Lifelines.
• HEADLINE #1-92 (Jan. 21, 2009) Insurance-Financial Services: Cox Quits at SEC, Leaves Schapiro to Restore Clout After Madoff.
• HEADLINE #1-91 (Jan. 21, 2009) Insurance-Financial Services: China Life Falls After It Warns of 50% Profit Drop.
• HEADLINE #1-90 (Jan. 19, 2009) Insurance-Financial Services: Insurers Brace For Commercial Mortgage Turmoil.
• HEADLINE #1-89 (Jan. 19, 2009) Insurance-Financial Services: Volcker Committee Calls For National Regulation Of Insurance.
• HEADLINE #1-88 (Jan. 19, 2009) Insurance-Financial Services: Insurers Sue to Stop SEC Rule Regulating Annuities. Insurers Sue SEC to Stop Rule Extending Federal Regulation to Annuities. Insurance companies and their marketers sued to block a Securities and Exchange Commission rule that defines indexed annuities as securities subject to U.S. regulation.
• HEADLINE #1-87 (Jan. 16, 2009) Insurance-Financial Services: Most Insurance Execs See A Bleak Year Ahead For Profits, Prices.
• HEADLINE #1-86 (Jan. 16, 2009) Insurance-Financial Services: Key Senator Calls For Federal Regulation Of Insurers.
• HEADLINE #1-85 (Jan. 15, 2009) Insurance-Financial Services: Fitch Private U.S. Mortgage Insurers Face Negative Outlook for 2009.
• HEADLINE #1-84 (Jan. 13, 2009) Insurance-Financial Services: Insurance Industry Groups React In Opposition To GAO Regulatory Report In Support Of Federal Regulation. In this article, Roger Sevigny, NAIC president and New Hampshire insurance commissioner said the NAIC "is pleased to point out" that the study acknowledges that state regulators are positioned to "move more quickly and more flexibly to respond to activities causing harm to consumers" than federal regulators. In response and opposition, FBIC would like to point out that due to the overwhelming power and strength of the insurance industry and it's lobbying groups, the proven 'widespread fraud and corruption' insurance industry has experienced only two 'major' probes and investigations since the 1990's. One was of the life insurance industry in the mid-nineties by multiple class-action civil suits lawyers where the states Departments of Insurance hid behind the insurance industry wall of silence and were nowhere to be found to help consumers, policyholders and victims (for supporting proof, and more on the 100% absence of investigation by the NAIC into the widespread frauds in the life insurance industry, click here; and the other was in 2004-2006 by a state attorneys general investigation led by NY state AG Eliot Spitzer for supporting documentation on the total lack and absence, if not opposition, to there being any investigation by the NAIC, click here). In both cases the absence of any NAIC (National Association Of Insurance Commissioners) consumer action was completely (100%) nowhere to be found. In spite of their mild almost tongue-in-cheek half-hearted attempts and responses to the contrary, The NAIC actions have repeatedly been proven over the years to be 100% pro-insurers with little if any regard or interest for consumer rights but also indicative of the 100% active revolving door that exists between state insurance commissioners and the insurance industry.
• HEADLINE #1-83 (Jan. 8, 2009) Insurance-Financial Services: Life Insurer Surplus Drops $77 Billion, Erasing Gain.
• HEADLINE #1-82 (Jan. 8, 2009) Insurance-Financial Services: UK FSA Fines Aon $7.9 Million Over Suspect Payments.
• HEADLINE #1-81 (Jan. 8, 2009) Insurance-Financial Services: Consumers Seek Probe Of NAIC Over Locked Door Meeting.
• HEADLINE #1-80 (Jan. 7, 2009) Insurance-Financial Services: Consumer Reps Expand Capital Proposal Battle.
• HEADLINE #1-79 (Jan. 6, 2009) Insurance-Financial Services: Marsh Settles Insurance Bid-Rigging Charges with 9 States for $7 Million.
• HEADLINE #1-78 (Jan. 3, 2009) Insurance-Financial Services: Insurers Facing A Legal Hurricane.
• HEADLINE #1-77 (Jan. 2, 2009) Insurance-Financial Services: NAIC Easing of Insurer Rules May Be Too Late for 2008. The life insurance industry’s request to ease capital requirements may come too late for companies to apply the new standards to 2008 results, the National Association of Insurance Commissioners said. FBIC Reports that this change is a terrible train wreck waiting to happen ... as a result how many policyholders will come up short or wind up with life insurance policies that are worthless and have no value. FBIC goes on the record that it is strongly against this anti-consumer action to lower life insurance companies capital reserves.
• HEADLINE #1-76 (Dec. 24, 2008) Insurance-Financial Services: Recession Puts Chinks In Health-Care Industry Armor.
• HEADLINE #1-75 (Dec. 23, 2008) Insurance-Financial Services: FTC Probing Insurers Over Credit-based Homeowners Insurance Pricing.
• HEADLINE #1-74 (Dec. 23, 2008) Insurance-Financial Services: Report Shows Drop In SEC Criminal Case Referrals. FBIC is not surprised by this as it proved in it's documented chronicles and diary on this website of then New York state Attorney General Eliot Spitzer's and other state AG's enforcement activities that although there was much fraud, corruption and illegal wrongdoing found and exposed in the multistate AG's insurance industry investigations in 2004 - 2006, the SEC Chairman Christopher Cox (Aug. 3, 2005 - Jan. 20, 2009) did little or nothing to investigate and/or did not refer any of the many exposed frauds to the Department Of Justice (DOJ) for prosecution. To make it worse, AG Spitzer specifically and repeatedly asked for Federal intervention and help but yet the SEC still did nothing. FBIC blames this near 100% lack of action by the SEC to be completely due to SEC Chairman Cox's fault and laxity in not referring any of those that were found to have committed such frauds to the DOJ for prosecution. Did somehow SEC Chairman Cox feel that such actions by the SEC would be bad for American Business?  Another reason of note and why FBIC is not surprised by Cox's lack of action is because when President Bush in 2005 replaced former SEC Chief Donaldson with Christopher Cox, FBIC recalls President Bush saying, "Hopefully, the new SEC Chief Christopher Cox will be able to keep his mouth shut". You can see it for yourself if you wish to read and review the chronicle diary of the headlines and articles of this two year expose of widespread fraud and corruption found in the insurance industry by clicking here (this linked section includes a short introduction on the SEC's complete lack of action followed by a chronicle diary of the news media' headlines in regards to the "widespread fraud found in the insurance industry investigation". If you read the headlines, they reveal the story a complete lack of action by the SEC ... then if you read the text of all the headline articles, you can only scratch your head in amazement as to why Cox did not do anything. Recommended reading only if/when you have substantial available time).
• HEADLINE #1-73 (Dec. 23, 2008) Insurance-Financial Services: AP Study Finds $1.6B Went To Bailed-Out Bank Execs.
• HEADLINE #1-72 (Dec. 23, 2008) Insurance-Financial Services: Fitch Predicts Continued P-C Struggles Through 2009.
• HEADLINE #1-71 (Dec. 22, 2008) Insurance-Financial Services: Life Insurers Stocks Plunge as Commercial Mortgage Defaults Loom.
• HEADLINE #1-70 (Dec. 20, 2008) Insurance-Financial Services: Madoff’s Investors Sell Life Insurance, Property as They Struggle to Raise Cash.
• HEADLINE #1-69 (Dec. 20, 2008) Insurance-Financial Services: The Real Cost of the Madoff Collapse to Insurance Companies Won’t be Known for Months.
• HEADLINE #1-68 (Dec. 19, 2008) Insurance-Financial Services: Paulson Urges Release of Next $350 Billion From TARP.
• HEADLINE #1-67 (Dec. 19, 2008) Insurance-Financial Services: Regulators May Ease Reserve Rules as Insurers’ Options Dwindle.
• HEADLINE #1-66 (Dec. 19, 2008) Insurance-Financial Services: Banks, Approved Insurers May Find TARP Comes With Long Strings Attached. Regional lenders, Treasury acceptable and approved insurers having applied for bank holding status, and credit-card companies clamoring to get into the Treasury’s $700 billion rescue fund may not know what they actually signed up for until long after they’ve pocketed the money.
• HEADLINE #1-65 (Dec. 18, 2008) Insurance-Financial Services: GE, GE Capital Ratings Outlook Cut to Negative by S&P.
• HEADLINE #1-64 (Dec. 18, 2008) Insurance-Financial Services: Fitch Report: U.S. Property/Casualty Industry Outlook Remains Negative for 2009.
• HEADLINE #1-63 (Dec. 18, 2008) Insurance-Financial Services: Credit Suisse Bonus Plan Takes On Risk Of Illiquid Assets.
• HEADLINE #1-62 (Dec. 18, 2008) Insurance-Financial Services: Duke Sues AIG on Cost of Stripper Dispute With Lacrosse Players.
• HEADLINE #1-61 (Dec. 16, 2008) Insurance-Financial Services: S&P Sees Insurer Downgrades Ahead For 2009.
• HEADLINE #1-60 (Dec. 16, 2008) Insurance-Financial Services: P-C Sector Had Quarterly Loss Of $9.9 Billion On Declining Prices, Bad Weather And Investment Losses.
• HEADLINE #1-59 (Dec. 16, 2008) Insurance-Financial Services: General Re’s Ferguson Gets Two Years For $500M Fraud, Avoids Life.
• HEADLINE #1-58 (Dec. 16, 2008) Insurance-Financial Services: AIG Should Reveal Extent of Bonuses, Cummings Says.
• HEADLINE #1-57 (Dec. 16, 2008) Insurance-Financial Services: Insurance Industry Profits Dove Massively through First Nine Months of 2008.
• HEADLINE #1-56 (Dec. 16, 2008) Insurance-Financial Services: Insurers Post Worst Underwriting Results Since 2001.
• HEADLINE #1-55 (Dec. 15, 2008) Insurance-Financial Services: S&P: Economic Turmoil Forcing Consumers To Trim Coverages.
• HEADLINE #1-54 (Dec. 15, 2008) Insurance-Financial Services: S&P: Challenging Times Loom For U.S. Insurers in 2009.
• HEADLINE #1-53 (Dec. 12, 2008) Insurance-Financial Services: S&P Lowers Outlook for U.S. Home, Auto Insurers on Investments.
• HEADLINE #1-52 (Dec. 12, 2008) Insurance-Financial Services: Some Insurer Banks Turn Down Bailout.
• HEADLINE #1-51 (Dec. 12, 2008) Insurance-Financial Services: Fed Refuses to Disclose Recipients of $2 Trillion.
• HEADLINE #1-50 (Dec. 12, 2008) Insurance-Financial Services: Madoff Confessed $50 Billion Fraud Before FBI Arrest.
• HEADLINE #1-49 (Dec. 11, 2008) Insurance-Financial Services: Zurich Pays $25 M To Settle SEC Charge Over Sham Reinsurance Deals.
• HEADLINE #1-48 (Dec. 11, 2008) Insurance-Financial Services: Zurich Financial To Pay $25 Million Fine To Settle SEC Fraud Charges Over Insurance Deals.
• HEADLINE #1-47 (Dec. 10, 2008) Insurance-Financial Services: TARP Treasury Aid Bailout Scorecard.
• HEADLINE #1-46 (Dec. 10, 2008) Insurance-Financial Services: NAIC Looks At Disability Insurers Best Practices.
• HEADLINE #1-45 (Dec. 10, 2008) Insurance-Financial Services: NAIC Discusses AIG’s Securities Lending.
• HEADLINE #1-44 (Dec. 8, 2008) Insurance-Financial Services: P&C Market Barometer Shows 9 Percent Rate Reductions In November.
• HEADLINE #1-43 (Dec. 8, 2008) Insurance-Financial Services: MIB Life Index Reports North American Life Insurance Activity Off 1.9% in November.
• HEADLINE #1-42 (Dec. 8, 2008) Insurance-Financial Services: S&P Warns of 'Multi-Notch Downgrades' On 5 Mortgage Insurers.
• HEADLINE #1-41 (Dec. 5, 2008) Insurance-Financial Services: Dodd, Frank Warn Paulson May Not Get TARP’s Next $350 Billion.
• HEADLINE #1-40 (Dec. 5, 2008) Insurance-Financial Services: Third Largest Germany Insurer Talanx Says 2008 Profit to Slump 93% on Investments.
• HEADLINE #1-39 (Dec. 3, 2008) Insurance-Financial Services: Don’t Give Some Insurers An Edge With Bailout $$, Says AIA.
• HEADLINE #1-38 (Dec. 3, 2008) Insurance-Financial Services: Munich Re US CEO We Have Capital To Aid Buyouts By Insurers.
• HEADLINE #1-37 (Dec. 2, 2008) Insurance-Financial Services: Canada's Largest Life Insurer, Manulife to Post Fourth-Quarter Loss, Sell Stock.
• HEADLINE #1-36 (Dec. 2, 2008) Insurance-Financial Services: Marsh: Economic Woes Threaten Financial Institutions' Insurance Market.
• HEADLINE #1-35 (Dec. 1, 2008) Insurance-Financial Services: Federal Regulation Unlikely In 2009, FDIC Says.
• HEADLINE #1-34 (Nov. 26, 2008) Insurance-Financial Services: Treasury Undecided Over Federal Bailout Funds for Life Insurers.
• HEADLINE #1-33 (Nov. 26, 2008) Insurance-Financial Services: LandAmerica Seeks Bankruptcy, Debt of $2.8 Billion.
• HEADLINE #1-32 (Posted Nov. 25, 2008) Insurance-Financial Services: P-C Sector Net Income Worst In Nearly A Decade.
• HEADLINE #1-31 (Nov. 24, 2008) Insurance-Financial Services: Top 10 Variable Annuity Providers - Variable Annuities Are Reported To Be A Major Liability, Negative Cash Flow Burner For Insurers. (Note, "Hartford" is listed twice on the list of the top ten, one as "Hartford Life & Annuity Ins" and also "Hartford Life Ins"). more stats on annuities
• HEADLINE #1-30 (Nov. 23, 2008) Insurance-Financial Services: Your Life Insurance Policy May Not Be Protected Or Guaranteed.
• HEADLINE #1-29 (Nov. 21, 2008) Insurance-Financial Services: What's Driving The Soft Property & Casualty Insurance Market.
• HEADLINE #1-28 (Nov. 21, 2008) Insurance-Financial Services U.S. Insurance Regulation Seems Certain, Insurance Execs Say.
• HEADLINE #1-27 (Nov. 19, 2008) Insurance-Financial Services: Fitch Looks at Nine Months 2008 U.S. P&C Insurance Results; Sharp Profit Decline Continues.
• HEADLINE #1-26 (Nov. 19, 2008) Insurance-Financial Services: "Life Insurers Fall On Worry Over Investment Losses"..
• HEADLINE #1-25 (Nov. 19, 2008) Insurance-Financial Services: Insurers' Back-Door Bailout Bids Spark Debate..
• HEADLINE #1-24 (Nov. 18, 2008) Insurance-Financial Services. Treasury Secretary Henry Paulson Testified Before Congress Today.  On Point: In Spite Of Recently Buying A Savings Bank, It Is Very Likely That The Hartford, Lincoln National, Genworth Financial, Etal. Insurers Having Recently Bought A Savings Bank, Will Likely Not Receive Bailout Funds From The U.S. Treasury Program. FBIC Excerpted: Treasury Secretary Henry Paulson testified at the hearing that the Treasury Department would be selective about letting insurers participate in the CPP by creating a bank holding company or a thrift holding company. "I'm not sure that's going to be a successful strategy," Paulson said. "Using a bank or thrift holding company operation to apply for the CPP "may make sense" for insurers that have had bank holding companies for some time, Paulson said.
• HEADLINE #1-23 (Nov. 17, 2008) Insurance-Financial Services: "Paulson Not Likely To Tap Rest Of TARP Money, He Says"..
• HEADLINE #1-22 (Nov. 17, 2008) Insurance-Financial Services: "Bush Said to Tell Aides He Won't Seek Bailout Funds"..
• HEADLINE #1-21 (Nov. 14, 2008) Insurance-Financial Services: "Insurers Mull S&L Status ... Companies that own a savings and loan and thus are already regulated by the OTS include MetLife Inc., the biggest U.S. life insurer; No. 2 Prudential Financial Inc.; Allstate Corp.; Principal Financial Group Inc. and Nationwide Corp. Those that aren't include Hartford Financial Services Group Inc., Lincoln National Corp. and Genworth Financial Inc.
• HEADLINE #1-20 (Nov 14, 2008) Insurance-Financial Services: American Association For Justice (AAJ), A National Lawyer Bar Group, Report On Insurer Carrier 'Bad Faith Insurance' Tactics. [FBIC Note: FBIC has been reporting for 11 years and can attest, through many tens of thousands of complaints from consumers and troves of other evidence, to many of the bad faith insurance companies' tactics cited in the report and article (i.e. FBIC cites bad faith major insurers include The Hartford, State Farm, Allstate along with many others). FYI, the AAJ report and article state just to cite a few of the many illegal bad faith insurance tactics examples: "AAJ said that some of the nation's largest insurance companies are "systematically" denying valid claims; "delaying payment, sometimes until death".]
• HEADLINE #1-19 (Nov 13, 2008) Insurance-Financial Services: AIG's Losses Lead Insurers as Tally Nears $1 Trillion.
  
• HEADLINE #1-18 (Nov 13, 2008) Insurance-Financial Services: Lawmakers, Investors Ask Fed for Lending Disclosure.
  
• HEADLINE #1-17 (Nov 12, 2008) Insurance-Financial Services: Boehner Demands Fed Identify Recipients of Loans.
  
• HEADLINE #1-16 (Nov 12, 2008) Insurance-Financial Services: Mass Mutual, New York Life Reject Government Aid.
  
• HEADLINE #1-15 (Nov 11, 2008) Insurance-Financial Services: Bloomberg Demands Bailout $$$ Info. [FBIC Note To Those Administering American Taxpayer Bailout Funds: Historically, Based On The Perceived If Not Real Lack Of Honesty, Truthfulness, Credibility And Candor Of Many Of Those Who Deal With And/Or Are On Wall Street Along With Others Responsible For Running Different Sectors Of Our Country's Systems (Executive, Congressional, Judicial, Etc.) And Have Been Less Than Honest With The People, You Don't Need FBIC To Tell You That You Have Lost The Faith, Trust And Confidence Of Americans Nationwide. You Have Corrupted And Manipulated The American Systems To The Benefit Of Few To The Point That The Rest Of America Are Mad As Hell And Reaching The Point That They Are Not Going To Take It Anymore. So Let This Be A Friendly Warning From An Average American Helping Many Of These Consumers That You Need To Be Extra Careful As You Are Not Dealing With Investors Dollars Here. The Money Belongs To Hard Working American Taxpayers. Above All You Need To Be Forthcoming, Honest, Upfront And Open With The Concerned Public's Taxpayer Bailout Dollars That You Are Spending. All Americans Have A Right And Should Be Privy To This Information If They Want To Unless You Are Doing Something You Shouldn't ... In Which Case May G-d Help You.]
  
• HEADLINE #1-14 (Nov 11, 2008) Insurance-Financial Services: Bloomberg News Sues The Federal Reserve To Disclose Bailout $$$ Info. (FBIC Note To Those Administering Taxpayer Bailout Funds (TARP): Historically, Based On The Perceived If Not Real Lack Of Honesty, Credibility And Candor Of Many Of Those Dealing With And On Wall Street, Be Extra Careful As You Are Not Dealing With Investors Dollars Here. Above All Be Forthcoming, Honest, Upfront And Open With The Concerned Public's Hard Earned Taxpayer Bailout Dollars And You Will Be Alright ... And You Won't Have To Be Afraid Of Your Worst Fears Becoming True.)
  
• HEADLINE #1-13 (Nov 11, 2008) Insurance-Financial Services: Fed Defies Transparency Aim in Refusal to Disclose Bailout $$$ Info.
  
• HEADLINE #1-12 (Nov 10, 2008) Insurance-Financial Services: Fed Defies Transparency Aim in Refusal to Identify $2 Trillion In Bank Loans.
  
• HEADLINE #1-11 (Nov 10, 2008) Insurance-Financial Services: Fannie Mae Reports Record $29 Billion Loss After Asset Write-downs.
  
• HEADLINE #1-10 (Oct. 31, 2008) Insurance-Financial Services: US Senator Calls On AIG To Explain Use Of Bailout Funds.
  
• HEADLINE #1-9 (Oct. 31, 2008) Insurance-Financial Services: The Insurance Industry Doesn't Need Subsidies.
  
• HEADLINE #1-8 (Oct. 30, 2008) Insurance-Financial Services: Bond Insurers Seek Shelter Under TARP.
  
• HEADLINE #1-7 (FBIC Insider Reports Oct. 29, 2008) Insurance-Financial Services: Those insurance companies looking to deleverage and sell assets on their books to raise cash are meeting with heavy resistance and failing to find buyers at the current prices that they are looking to fetch ... and are finding that their prices are way too expensive, if not overpriced and unable to be sold in the current deflationary environment lending further downward pressure on the stock market prices of their companies shares.
  
• HEADLINE #1-6 (Oct. 28, 2008) Insurance-Financial Services: American Insurance Association Says P&C Insurance Companies Do Not Seek Financial Assistance Through Treasury Capital Purchase Program.
  
• HEADLINE #1-5 (Oct. 28, 2008) Insurance-Financial Services: Part 2 - Why Companies Are Hoarding Cash And CDS Derivatives Settlements.
  
• HEADLINE #1-4 (Oct. 28, 2008) Insurance-Financial Services: Part 1 - Why Companies Are Hoarding Cash And CDS Derivatives Settlements.
  
• HEADLINE #1-3 (Oct. 25, 2008) Insurance-Financial Services: U.S. Mulls Widening Bailout to Insurers.
  
• HEADLINE #1-2 (Oct. 25, 2008) Insurance-Financial Services: U.S. Treasury May Add Insurers To Investment List.
  
• HEADLINE #1-1 (Oct. 24, 2008) Insurance-Financial Services: Shares Of Insurance Companies Climb On Treasury Announcement.
  
  
• HEADLINE #1a-The Hartford Upfront (FBIC Reports September 2008 - Current) Hartford Financial Services (HIG) aka The Hartford Insurance: As it relates to the viability and survival of some imperiled insurance companies as the U.S. works through its financial and economic crises, Hartford appears to be the next to fail. In addition to a serious cash-burning life insurance and variable annuity units which alone threaten the viability of the entire company, Hartford's investment portfolio has significant toxic negative exposures such as credit default swaps, derivatives, mortgage-backed securities and other financial securities-instruments not to mention a significant growing amount of 'unrealized losses' on it's books (their commercial real estate backed securities portfolio is reported April 26, 2009 to exceed 50% of their shareholders equity alone) and looming increasing losses in its variable annuities business.
  
  Allianz could be the white knight here if it were to acquire the remaining shares of Hartford that it does not already own but Allianz and some of it's subsidiaries have their own problems and have significant negative financial exposures and as Hartford's negative cash flow situation worsens that likelihood has proven to be diminished.  So as the domestic and international recession grows deeper, the longer Hartford puts off bankruptcy, the greater the likelihood that bankruptcy may not be an option should it delay and become insolvent.
  
  The Hartford (HIG) announced Nov. 14, 2008 that it 'is acquiring' a small Federal Savings Bank for $10 million so that it can borrow moneys from the Federal Government's 'TARP" Program. If this concept were to work although it might buy The Hartford (HIG) some time from having to declare bankruptcy sooner rather than put off bankruptcy until a few more months later, by that time and at that point, it's operating situation and status will have only worsened to the point of becoming insolvent. Unfortunately for The Hartford (HIG) Treasury Secretary Henry Paulson on Nov. 18, 2008 announced that it is very likely that those insurers recently buying a savings bank will not receive bailout funds from the U.S. Treasury Program. (Treasury Secretary Henry Paulson in testifying before Congress indicated that the Treasury Department would be selective about letting insurers participate in the CPP by creating a bank holding company or a thrift holding company. "I'm not sure that's going to be a successful strategy," Paulson said. "Using a bank or thrift holding company operation to apply for the CPP "may make sense" for insurers that have had bank holding companies for some time, Paulson said.)
  
  In March 2009 The Hartford tried unsuccessfully to attract any buyers for its 'Life' insurance unit. In April 2009 It is testing the waters and trying to sell it's flagship Property & Casualty Unit which result at this 26-April 2009 time remains to be seen. And then there's the potential for borrowing from the U.S. Treasury TARP (perceived as a negative), and/or ultimately their insurance units will/may have to go into receivership and the parent Hartford Financial Services Corporation will go into bankruptcy. So for each day that goes by, it looks worse for The Hartford's survival. If The Hartford delays and puts off filing for bankruptcy protection, chances only improve and are likely that it will be forced into conservatorship or worse yet be put into runoff and forced to liquidate whereby pieces of the remaining company could be picked up by others for cents on the dollar. Although further borrowing to cover losses appears to be unavailable to Hartford to cover it's negative cash flows as they deplete cash reserves, such actions if available would only just weaken and put the company in further jeopardy.
  
  Comparison The Hartford vs. AIG: Although Hartford is a small if not tiny fraction of the size of AIG, it has a similar model. Hartford's model and 52-week $ decline from a high of $99+ to its recent November 2008 low of $4+ similarly and to a very close degree correlates and mirrors that of AIG, with it's 52 week high $62+ to recent Nov low $1+ ... one big difference is that AIG is considered too big to fail and subsequently is now 79% owned by the U.S. Government on behalf of American taxpayers and has already burnt as of Nov. 18 through $150 billion ... The Hartford is not considered too big to fail. (In doing the following comparison of AIG vs. The Hartford for recent years, note that such industry information made available has been diligently researched by FBIC over the past 11 years with significant and great challenges as such information is generally unattainable if not impossible to secure due to the intentional 'opaqueness' and complete lack of 'transparency' which historically up to present day is known to be the norm for the insurance industry aka "industry wall of silence"). 
  
  The following are the 'marketshare ranks' by lines of insurance for AIG (A) vs. The Hartford (H), respectively: (1) Health & Accident: A=12, H=41; (2) Life: A=1, H=12; (3) Property & Casualty (Auto, Home, Bus.): A=2, H=9; (4) Workmens Comp.: A=2, H=6; (5) Group Disability: A=15, H=2; (6) Variable Annuity: A=11+, H=3.  [Further Note: Being a much smaller company than AIG with a much lower marketshare in the larger numerous lines of insurance that it participates, has helped Hartford operate under the radar and shield it's extreme bad faith insurance claims denials practices from the Public while it's much larger insurance competitors (i.e. State Farm, Allstate, Etc.) receive the focus of the media's attention in such bad faith insurance matters. The Hartford's complaint ratio of bad faith related complaints by policyholders, consumers and businesses when correlated to their smaller size and marketshares on average earns them the #1 bad faith position by far in the lines of their insurance businesses with exception of the Group Disability line of insurance where it holds the #2 bad faith insurer position to #1 bad faith insurer Unum Insurance formerly known as Unum-Provident].
  
  The Hartford Insurance should not be bailed out by the Federal Government and U.S. taxpayers who are the very same people that the insurer routinely and illegally denied their legitimate claims ... without first requiring The Hartford to 'settle' in 'utmost' good faith including all and it's excessive number of its 'unsettled' seemingly legitimate claims that previously were denied and went unsettled and those with their hired lawyers considered legitimate by average Americans (per the law) and/or U.S. Government attorneys. Furthermore, and in going forward, not without direct 'independent' oversight (hopefully by FBIC and it's membership, and not by the former and existing CT state Dept. of Insurance 'proven' fraudulent in 2006) to guarantee that Hartford won't resort to the same inherent criminal bad faith actions in the future against the same very U.S. taxpayers that hopefully won't be asked to bail them out. (FBIC as always is pleased to provide well-intentioned acceptable authorities confirming evidence to support allegations as might be requested if not already provided on this website.)
  
  More on The Hartford to Fail ... The personal and business environment for most lines of insurance (including and esp. P&C) during the economic downturn starting in 2008 as announced by the Industry rating companies and credit analysts (i.e. Fitch, S&P, Moody's, etc.) has been extremely soft especially in the personal and business lines of insurance that The Hartford operates. Experts agree that Hartford will not be able to sell the company and/or sell its insurance products out of harms way and it's worsening day-by-day deteriorating problem situation. Accordingly, Hartford's growing reputation as a bad faith insurer has negatively impacted and also contributed to its sales slump and shrinking marketshare in its lines of insurance due not only based on overwhelming amounts of fraudulent and criminal activities exposed by prosecutions of a small handful of states attorneys generals over the recent 2-year period (2004-2006) but also the excessive number and overwhelming amounts of bad faith insurance related evidence and complaints collected from countless policyholders complaints, other complainants, whistleblowers, (held in strictest confidence by FBIC) and many other sources by FBIC and states Departments of Insurance over the past years,
  
  Ramani Ayer, Present Chairman & CEO Including Formerly President (1991 - Present)  and Thomas M. Marra, President & COO need to be immediately removed and investigated by The U.S. Department Of Justice, The U.S. Congress and The FBI for admittedly running a criminal enterprise and for their company's widespread fraudulent practices and illegal activities committed against the American People. ... Investors, Policyholders, Taxpayers And The American Public are demanding to have such illegal activities stopped, NOW.
  
  The Hartford's Repeated Fraudulent Practices Like It Was Just Yesterday: (FBIC Reports On The Biggest Insurance Companies Frauds Employing Illegal Bad Faith Insurance Practices Ever Perpetrated In Modern Times By Life Insurance Companies Against Their Own Customers And Policyholders. Such life insurance bad faith practices were exposed in the mid-1990s stemming from fraudulent activities by life insurers which practices allegedly started in the mid 1980s and went through to the mid 1990s and that affected upwards of 50 million life insurance policyholder victims (not a typo). Although Hartford Life was a smaller player in life insurance than some of the other named life insurance notables at the time, The Hartford and Hartford Life was implicated and relatively speaking alleged to be a significant player in the frauds along with the others. FYI, many life insurance experts agree and allege that many of these same fraudulent practices are still commonly practiced today).
  
  For those of you that don't know or don't remember what pervasive bad faith life insurance practices commonly occurred in the 1980s - mid 1990s involving the life insurance and annuities industry, it included upwards of some 30 life insurance and annuities companies being accused and exposed for bad faith insurance practices against their own customers in the largest expose ever to hit the life insurance industry in modern times if not up to that point ... and FBIC may be the only source to have it in it's archives. It was estimated that less than 10% of those victimized would actually be made whole by class action suits. Assuming another 5% "opted out" or chose not to participate in the class action suits, this left approximately upwards of 85% of life insurance policyholder victims that were hanging onto policies that were of no value and would never benefit anyone. The states Departments of Insurance hid behind the insurance industry wall of silence and were nowhere to be found to help policyholders and victims. more.
  
  The Hartford Recently And Now, More Repeated Fraudulent Practices. Hartford is ranked the country's #1 bad faith insurer by consumers and FBIC's national membership based on FBIC's extensive collection of data, research, investigations and findings.  On a separate but related note, it is not surprising that the following are but just a few of the many articles highlighting several of the many more illegal activities inherent in The Hartford's criminal corporate culture as exposed, investigated and prosecuted by that of just a few states' attorneys generals in just a recent short 2 years span (2004-2006) as to Hartford's widespread and pervasive fraudulent activities. Even though what FBIC says about The Hartford is completely true and substantiated, if you don't believe FBIC for what we say and have said since our inception in 1998, about The Hartford over the years acting as a criminal enterprise, if you don't believe FBIC when we reference and tell you about The Hartford's widespread illicit and pervasive fraudulent activities, excessive number of bad faith and breach of contract related consumer complaints, widespread denials and non-payment of claims, trickery, deception, extensive whistleblower information and evidence collected over 11 years on Hartford's illegal activities ... then read the following recent mainstream media articles by the country's own media establishment over a 2-year period limited investigation by a handful of states attorneys general which are but a few and just scratch the surface confirming some of Hartford's illegal and criminal activities regarding their sales department alone:
  
  
• Nov 05 2004 NY Attorney General To Probe The Hartford Stock Sale Disclosure
  
• Nov 13 2004 SEC Names Hartford Life Insurance Target Of Investigation
  
• Jan 28 2005 The Hartford Insurance Expects Legal Actions From Investigations
  
• Mar 23 2005 Oregon Sues Hartford Insurance For Criminal Fraud Bad-Faith
  
• June 21 2005 Hartford Insurance Gets Another NY AG Subpoena re Annuities
  
• Sept 17 2005 Spitzer Issues New Subpoena To Hartford Insurance
  
• May 10 2006 The Hartford Pays $20M To End NY, CT Annuity Fraud Probe
  
• May 11 2006 Hartford's $20M Settles Payoffs-Deceptions-Kickback Charges
  
• Nov 8 2006 Hartford to Pay $55 Million to Settle Directed Brokerage Charges
  
• July 2 2007 CA Dept of Insurance Reaches Settlement with Hartford Life
  
• July 23 2007 Hartford Settles Illegal Practices Charges, Apologizes, Promises To Reform
  
  It has further been noted and reported that Hartford Financial Services aka Hartford Insurance aka The Hartford received substantially more subpoenas during the coordinated handful of states Attorneys Generals (AGs) investigations in the 2 years 2004 - 2006 significantly more than any other insurance company ... and these few aforementioned referenced articles regarding states' attorney generals investigations into "widespread fraudulent activities found in the insurance industry" and the AG's actions which don't come close to reflecting the inordinate many more numbers of individuals and businesses lawsuits against "The Hartford" for not paying claims of policyholders and claimants, including widespread allegations of committing illegal, criminal and fraudulent practices and bad faith activities. Read much more on The Hartford's leading role that they reluctantly had to face up to in the investigations and other bad faith insurers widespread illegal and fraudulent activities exposed by clicking here (recommended reading only if/when you have substantial available time).
  
  We ask the Board of Directors of The Hartford Financial Services Group Inc. to recognize what represents a small sampling of numerous events and articles reflecting serious repeated criminal infractions of fraudulent and bad faith insurance practices and recurring illegal activities by The Hartford while under the guise of Ramani Ayer and Thomas M. Marra ... while under your directorship, stewardship and supervision. On behalf of Hartford's Investors, Shareholders, Policyholders, Denied Claimants And Unnecessarily Victimized Plaintiff Litigants formerly insured with The Hartford as well as All Americans who deserve better, FBIC accordingly request that you take the necessary steps to immediately remove Ramani Ayer and Thomas Marra from their corporate and operations positions of responsibility and release them immediately from any and all association with The Hartford without delay and before it's too late. [Feb. 25, 2009 Update:  The Hartford announced Thomas Marra's (50), President & COO resignation from The Hartford's Board of Directors effective immediately, and retirement July 3, 2009.  FBIC reiterates it's Call for Ramani Ayer (61), Chairman & CEO to immediately be removed from his operating office and immediately be unseated from The Hartford's Board of Directors, and before he can do/does further damage to shareholders, policyholders and the American Public.]
  
  As it relates to Ramani Ayer, Chief Executive Officer and Chairman of The Board and Thomas M. Marra, President and Chief Operating Officer and member of the Board of Directors respectively of The Hartford, on behalf of Hartford Investors, Shareholders, Policyholders and Litigants who have lost all confidence in the corporate governance, integrity and ethics, financial and fiduciary responsibilities and duties of these two officers of the Corporation, we direct this appeal to the remaining non-executive members of the Board of Directors, to exercise their corporate responsibilities and immediately remove these two individuals from their operating offices and unseat them from the Board of Directors. The non-executive members of The Board of Directors of 'The Hartford' to whom this request is made include:
  
  
  • Mr. H. Patrick Swygert (profile)
    
  • Mr. Robert B. Allardice III (profile)
    
  • Mr. Roman De Oliveira (profile)
    
  • Mr. Trevor Fetter (profile)
    
  • Mr. Edward J. Kelly III (profile)
    
  • Mr. Paul G. Kirk Jr. (profile)
    
  • Ms. Gail J. McGovern (profile)
    
  • Mr. Michael G. Morris (profile)
    
  • Mr. Charles B. Strauss (profile)
    
  
  Ramani Ayer became President & COO of The Hartford's P&C Operations in 1991. Ayer has been Chairman and CEO of The Hartford since 1997. During this time while serving in his capacity, The Hartford under Ayer's regime has adversely and negatively effected many hundreds of thousands if not millions of Americans because of The Hartford's illegally denying and not paying legitimate claims, and/or not paying claims properly and promptly as required by law. Subsequently, Ramani Ayer's (and Thomas M. Marra's, President & COO) removal is not only necessary but would positively impact Hartford's ranking as the country's #1 worst bad faith insurer but also turnaround its diminishing lack of confidence in it's business would be an important first step ... and with professional management installed (such as Allianz), would restore investor and policyholder confidence and dramatically improve its low ranking-rating possibly (to emulate Allianz's present #3 U.S. good faith insurer). Otherwise, if the U.S. market maintains its expected deteriorating economic conditions at least for the next 6-9 months or longer, it is expected that under Ramani Ayer's fraudulent, corrupt and illegitimate leadership, The Hartford Will Fail And/Or Go Into Bankruptcy. more early on indicators.
  
  More than 90% of Hartford's shareholders and investors are institutional. As 'The Hartford' has been shown, proven and/or has admittedly indicated their company's involvement in fraudulent, criminal and/or illegal activities against The American Public, The American People and U.S. Businesses nationwide at everyone's expense but to Hartford's executives own personal benefit. This is a critical problem that has accumulated over time and has reached the point whereby it has come back to roost and haunt the Company and which won't leave without action being taken to resolve this very critical and serious problem. [The following mainstream media articles below are a small sampling of current activities that are symptomatic evidence reflecting the inherent problems that exist at The Hartford which continue to grow, be exposed and which won't go away until Ramani Ayer and Thomas Marra are removed from their positions. The fact that Hartford's share price within the past recent year has gone from it's high of $100 (one-hundred) to it's recent November 21, 2008 $4+ share price low and going lower to zero speaks for itself].
  
  Americans as well as businesses have grown intolerant and are sick and tired of being taken advantage of by insurance companies acting badly in their own company's and executives' exclusive interests, so until Ramani Ayer Chairman & CEO and Thomas M. Marra, President & COO are removed from Hartford's Board and The Hartford's operating positions, and Hartford changes it's fraudulent and illegal anti-American ways and activities, FBIC asks all institutional and personal investors of The Hartford (HIG) to sell all of their stock and investment holdings in Hartford Financial Services aka The Hartford ... and when you sell your holdings in The Hartford to please click here to contact FBIC by email and at your discretion we will list you in green and/or remove you from the Hartford (HIG) institutional investors list. The following are Hartford Financial Services (HIG: NYSE) largest institutional investors with the largest investor company listed first in descending order by $ amounts invested (to view click here) for The list of Hartford's largest institutional investors, addresses and telephone numbers ... call and ask them to sell their shares in good faith before they fail).
  
  
• HEADLINE #1a-The Hartford On Direct Recall aka Hartford Financial Services aka Hartford Insurance (NYSE: HIG): (FBIC Reports September 2008 - Current) In current retrospect: "The Hartford is financially strong and well capitalized," Hartford Chief Executive Ramani Ayer said in a statement Nov. 3, 2008. Counting the companies in recent weeks who have used the "financially strong and well capitalized" line are Bear Stearns, Lehman Brothers, IndyMac, Washington Mutual, Merrill-Lynch, Wachovia, Etal.  (FBIC Note: The Hartford public relations blast November 3 probably wouldn't have mattered for Fitch Ratings and Moody's Investor Services, as each some 72 hours earlier on Oct. 31 downgraded Hartford.  Moody's cut Hartford's unsecured debt rating one notch to A3 while Fitch downgraded Hartford to A from A+ (indicating that it's not strong enough for a AA). On Dec. 5 "Ayer reiterated that The Hartford is well capitalized and has ample liquidity".
  
  Ramani Ayer's represents projections for The Hartford are optimistic for their P&C and Life operations even when the industries' experts consensus for the P&C, Life and other insurance related Industries are for a decline as the P&C, Life and the other insurance markets that Hartford operates continue to worsen for 2008 and 2009 ... these are the real facts:
  
  
  • P&C insurance industry says sales are down-soft at best (Nov. 21, 2008)
  • Life insurance industry says sales are down (Dec. 1, 2008)
  • More Down For 'Life' Industry (Dec. 8, 2008)
  • More Down For 'Auto', 'Home' Insurers On Investments (Dec. 12, 2008)
  • Insurers Post Worst Underwriting Results Since 2001 (Dec. 16, 2008)
  • Industry Profits Dove Massively First 9 Months of 2008 (Dec. 16, 2008)
  • Life Insurers Plunge, Commercial Mortgage Defaults Loom (Dec. 22, 2008)
  • Fitch Predicts Continued P-C Struggles Through 2009 (Dec. 22, 2008)
  • Report Shows Drop In SEC Criminal Case Referrals (Dec. 22, 2008)
  
  Is The Hartford's Chairman & CEO Ramani Ayer 'knowingly' misrepresenting, misstating and distorting the true Hartford operating divisions performances facts and projections for it's P&C Insurance, Life Insurance, Annuities, Workers Compensation and Group Disability facts to investors? FBIC believes unambiguously and definitively, YES!  The truth will out within the next 3-6 months. The facts by industry experts and mainstream media say otherwise. Is Hartford's financial and communications departments at Ayer's command intentionally misstating the facts and providing misinformation and/or more false statements and untruths (aka lies) to the Public and not telling Americans, investors and concerned policyholders the truth and the real way it is?
  
  The following articles with our notes for emphasis address all of the ambiguities from Hartford statements on all of their operations. In spite of The Hartford's less than forthright ambiguously positive statements, insurance industry overseers and authorities cite the following: the 2008 and projected 2009 P&C insurance business to be down, soft at best; Life insurance sales are down; All of The Hartford's major life insurer competitors mortgage related investments are down and unrealized losses are up according to their 'legitimate' evaluations; Hartford's variable annuity business is a source of negative cash flow and risk; as employers layoffs increase FBIC projects Hartford's smaller workmen's compensation and group disability division's insurance sales to also be down. These account for most all of Hartford's operations and businesses which prospects at best are anything but positive.
  
  ... With The Hartford Being Less Than Forthright, Ambiguous And Lack Of Transparency In Their Forward Looking Statements As Followed And With No Transparency To One-Time Events Write-offs, Let There Be No Doubt That It's Only A Matter Of Short Time That Hartford Is A Train Wreck Waiting To Happen. The Hartford Will Fail, File For Bankruptcy Protection Or Become Insolvent And Wipe Out Investors ... And Hartford Will Probably Say Like Bear Stearns And All The Others That It Was The 4 Days Prior Market Downturn Which Caused It's Demise When All Along The Underlying Causes Can Be Read In Between The Lines Of Their Ambiguous And Less Than Forthcoming Investors Meeting Forward Statements And Press Releases Which FBIC Presents To You. (See Previous Cumulative Substantiating Operational Information And Financial Data).
  
• HEADLINE #1a-118  Hartford Financial Services aka The Hartford Insurance (NYSE: HIG real-time stock price): (June 15, 2009) Hartford To Sell $750M In Stock, Seek Up To $3.4B TARP. In addition to the $3.4 billion it is seeking from the Treasury, Hartford Financial Services Group Inc. (HIG) said Friday that it will sell up to $750 million in stock to further bolster its capital position as it prepares to report more investment losses in the second quarter. The Hartford Will Fail, File For Bankruptcy Protection And/Or Become Insolvent (As The Hartford Is Believed To Be Approaching Insolvency If Not Already Insolvent) Which Will Wipe Out All Investors, Shareholders, Bondholders And Creditors. (See Previous Cumulative Substantiating Operational And Financial Information).
• HEADLINE #1a-117  Hartford Financial Services aka The Hartford Insurance (NYSE: HIG real-time stock price): (June 12, 2009) Hartford to Accept as Much as $3.4 Billion From TARP. The Hartford Will Fail, File For Bankruptcy Protection And/Or Become Insolvent (As The Hartford Is Believed To Be Approaching Insolvency If Not Already Insolvent) Which Will Wipe Out All Investors, Shareholders, Bondholders And Creditors. (See Previous Cumulative Substantiating Operational And Financial Information).
• HEADLINE #1a-116  Hartford Financial Services aka The Hartford Insurance (NYSE: HIG real-time stock price): (June 10, 2009) Quincy Krosby, Hartford Chief Investment Strategist Resigns ... "The Hartford so far has had $12.4 billion in writedowns and credit losses linked to the subprime collapse since the beginning of 2007, second among insurers to American International Group Inc., which received four U.S. bailouts." The Hartford Will Fail, File For Bankruptcy Protection And/Or Become Insolvent (As The Hartford Is Believed To Be Approaching Insolvency If Not Already Insolvent) Which Will Wipe Out All Investors, Shareholders, Bondholders And Creditors. (See Previous Cumulative Substantiating Operational And Financial Information).
• HEADLINE #1a-115  Hartford Financial Services aka The Hartford Insurance (NYSE: HIG real-time stock price): (June 9, 2009) Hartford Financial shares fall after downgrade on senior management vacuum. The Hartford Will Fail, File For Bankruptcy Protection And/Or Become Insolvent (As The Hartford Is Believed To Be Approaching Insolvency If Not Already Insolvent) Which Will Wipe Out All Investors, Shareholders, Bondholders And Creditors. (See Previous Cumulative Substantiating Operational And Financial Information).
• HEADLINE #1a-114  Hartford Financial Services aka The Hartford Insurance (NYSE: HIG real-time stock price): (June 4, 2009) Hartford CEO Ramani Ayer Steps Down After 'Most Challenging Year'. The Hartford Will Fail, File For Bankruptcy Protection And/Or Become Insolvent (As The Hartford Is Believed To Be Approaching Insolvency If Not Already Insolvent) Which Will Wipe Out All Investors, Shareholders, Bondholders And Creditors. (See Previous Cumulative Substantiating Operational And Financial Information).
• HEADLINE #1a-113  Hartford Financial Services aka The Hartford Insurance (NYSE: HIG real-time stock price): (May 28, 2009) Hartford Is 'Finalizing Details' of TARP Investment. The Hartford Will Fail, File For Bankruptcy Protection And/Or Become Insolvent And Wipe Out Investors. (See Previous Cumulative Substantiating Operational And Financial Information).
• HEADLINE #1a-112  Hartford Financial Services aka The Hartford Insurance (NYSE: HIG real-time stock price): (May 20, 2009) Fitch Downgrades Hartford's Debt & Life Ratings; Outlook Negative. The Hartford Will Fail, File For Bankruptcy Protection And/Or Become Insolvent And Wipe Out Investors. (See Previous Cumulative Substantiating Operational And Financial Information).
• HEADLINE #1a-111  Hartford Financial Services aka The Hartford Insurance (NYSE: HIG real-time stock price): (May 19, 2009) The Hartford Says It Will Keep P-C Operations. The Hartford Will Fail, File For Bankruptcy Protection And/Or Become Insolvent And Wipe Out Investors. (See Previous Cumulative Substantiating Operational And Financial Information).
• HEADLINE #1a-110  Hartford Financial Services aka The Hartford Insurance (NYSE: HIG real-time stock price): (May 19, 2009) The Hartford Confirms It May Sell Or Close Some Units As It Bolsters Finances. The Hartford Will Fail, File For Bankruptcy Protection And/Or Become Insolvent And Wipe Out Investors. (See Previous Cumulative Substantiating Operational And Financial Information).
• HEADLINE #1a-109  Hartford Financial Services aka The Hartford Insurance (NYSE: HIG real-time stock price): (May 18, 2009) Hartford Will Maintain U.S. Property, Life Units. The Hartford Will Fail, File For Bankruptcy Protection And/Or Become Insolvent And Wipe Out Investors. (See Previous Cumulative Substantiating Operational And Financial Information).
• HEADLINE #1a-108  Hartford Financial Services aka The Hartford Insurance (NYSE: HIG real-time stock price): (May 15, 2009) Treasury Clears Hartford, Six Insurers for US TARP Bailout Funds. The Hartford Will Fail, File For Bankruptcy Protection And/Or Become Insolvent And Wipe Out Investors. (See Previous Cumulative Substantiating Operational And Financial Information).
• HEADLINE #1a-107  Hartford Financial Services aka The Hartford Insurance (NYSE: HIG real-time stock price): (May 2, 2009) The Hartford's Shares Fall 8 Percent After First Quarter Losses. The Hartford Will Fail, File For Bankruptcy Protection And/Or Become Insolvent And Wipe Out Investors. (See Previous Cumulative Substantiating Operational And Financial Information).
• HEADLINE #1a-106  Hartford Financial Services aka The Hartford Insurance (NYSE: HIG real-time stock price): (April 30, 2009) Hartford Posts Loss, Halts Sales In Japan, UK. The Hartford Will Fail, File For Bankruptcy Protection And/Or Become Insolvent And Wipe Out Investors. (See Previous Cumulative Substantiating Operational And Financial Information).
• HEADLINE #1a-105  Hartford Financial Services aka The Hartford Insurance (NYSE: HIG real-time stock price): (April 30, 2009) Hartford Has Third Straight Loss as Equities Slump. The Hartford Will Fail, File For Bankruptcy Protection And/Or Become Insolvent And Wipe Out Investors. (See Previous Cumulative Substantiating Operational And Financial Information).
• HEADLINE #1a-104  Hartford Financial Services aka The Hartford Insurance (NYSE: HIG real-time stock price): (April 30, 2009) Bob MacDonald Says Only Allianz SE Buyout Can Save The Hartford Financial. The Hartford Will Fail, File For Bankruptcy Protection And/Or Become Insolvent And Wipe Out Investors. (See Previous Cumulative Substantiating Operational And Financial Information).
• HEADLINE #1a-103  Hartford Financial Services aka The Hartford Insurance (NYSE: HIG real-time stock price): (April 28, 2009) LBO, Hedge Fund 'Anchor' Weighs Down Hartford. The Hartford Will Fail, File For Bankruptcy Protection And/Or Become Insolvent And Wipe Out Investors. (See Previous Cumulative Substantiating Operational And Financial Information).
• HEADLINE #1a-102  Hartford Financial Services aka The Hartford Insurance (NYSE: HIG real-time stock price): (April 23, 2009) Hartford Said to Seek Bids for Unit From Travelers. The Hartford Will Fail, File For Bankruptcy Protection And/Or Become Insolvent And Wipe Out Investors. (See Previous Cumulative Substantiating Operational And Financial Information).
• HEADLINE #1a-101  Hartford Financial Services aka The Hartford Insurance (NYSE: HIG real-time stock price): (April 10, 2009) Hartford's CEO Paid $4.5 Million, Despite Large Losses. The Hartford Will Fail, File For Bankruptcy Protection And/Or Become Insolvent And Wipe Out Investors. (See Previous Cumulative Substantiating Operational And Financial Information).
• HEADLINE #1a-100  Hartford Financial Services aka The Hartford Insurance (NYSE: HIG real-time stock price): (April 7, 2009) Hartford Sued Over Refusing To Pay Claim of 'Dumped' Chinese Crawfish. The Hartford Will Fail, File For Bankruptcy Protection And/Or Become Insolvent And Wipe Out Investors. (See Previous Cumulative Substantiating Operational And Financial Information).
• HEADLINE #1a-99  Hartford Financial Services aka The Hartford Insurance (NYSE: HIG real-time stock price): (April 6, 2009) Hartford Cuts Ayer's Pay in 'Most Challenging Year'. The Hartford Will Fail, File For Bankruptcy Protection And/Or Become Insolvent And Wipe Out Investors. (See Previous Cumulative Substantiating Operational And Financial Information).
• HEADLINE #1a-98  Hartford Financial Services aka The Hartford Insurance (NYSE: HIG real-time stock price): (April 2, 2009) Hartford, Protective Left Hanging as Treasury Stalls. The Hartford Will Fail, File For Bankruptcy Protection And/Or Become Insolvent And Wipe Out Investors. (See Previous Cumulative Substantiating Operational And Financial Information).
• HEADLINE #1a-97  Hartford Financial Services aka The Hartford Insurance (NYSE: HIG real-time stock price): (April 1, 2009) Hartford's Capital Cushion Questioned On Moody's Downgrade To One Level Above Junk. The Hartford Will Fail, File For Bankruptcy Protection And/Or Become Insolvent And Wipe Out Investors. (See Previous Cumulative Substantiating Operational And Financial Information).
• HEADLINE #1a-96  Hartford Financial Services aka The Hartford Insurance (NYSE: HIG real-time stock price): (April 1, 2009) The Hartford Hit by Moody's Downgrade ... Negative Outlook. The Hartford Will Fail, File For Bankruptcy Protection And/Or Become Insolvent And Wipe Out Investors. (See Previous Cumulative Substantiating Operational And Financial Information).
• HEADLINE #1a-95  Hartford Financial Services aka The Hartford Insurance (NYSE: HIG real-time stock price): (March 31, 2009) Sun Life Ends Talks to Buy Parts of Hartford, Globe Reports. The Hartford Will Fail, File For Bankruptcy Protection And/Or Become Insolvent And Wipe Out Investors. (See Previous Cumulative Substantiating Operational And Financial Information).
• HEADLINE #1a-94  Hartford Financial Services aka The Hartford Insurance (NYSE: HIG real-time stock price): (March 25, 2009) As U.S. Life Industry's Market Cap Tanks, Access to Cash Gets Tougher. The Hartford Will Fail, File For Bankruptcy Protection And/Or Become Insolvent And Wipe Out Investors. (See Previous Cumulative Substantiating Operational And Financial Information).
• HEADLINE #1a-93  Hartford Financial Services aka The Hartford Insurance (NYSE: HIG real-time stock price): (March 18, 2009) Variable Annuity Assets Fall 13% to $1.1 Trillion (Update2). The Hartford Will Fail, File For Bankruptcy Protection And/Or Become Insolvent And Wipe Out Investors. (See Previous Cumulative Substantiating Operational And Financial Information).
• HEADLINE #1a-92  Hartford Financial Services aka The Hartford Insurance (NYSE: HIG real-time stock price): (March 13, 2009) Variable Annuity Questions Answered. The Hartford Will Fail, File For Bankruptcy Protection And/Or Become Insolvent And Wipe Out Investors. (See Previous Cumulative Substantiating Operational And Financial Information).
• HEADLINE #1a-91  Hartford Financial Services aka The Hartford Insurance (NYSE: HIG real-time stock price): (March 4, 2009) Hartford Said to Weigh Sale of Life Unit to Sun Life ... Although Experts Consider Sale Highly Unlikely. The Hartford Will Fail, File For Bankruptcy Protection And/Or Become Insolvent And Wipe Out Investors. (See Previous Cumulative Substantiating Operational And Financial Information).
• HEADLINE #1a-90  Hartford Financial Services aka The Hartford Insurance (NYSE: HIG real-time stock price): (March 4, 2009) USI Holdings Unit To Pay $470,000 In Pact With Conn AG (Pact Involving Pay-offs Also Included-Implicated The Hartford). The Hartford Will Fail, File For Bankruptcy Protection And/Or Become Insolvent And Wipe Out Investors. (See Previous Cumulative Substantiating Operational And Financial Information).
• HEADLINE #1a-89  Hartford Financial Services aka The Hartford Insurance (NYSE: HIG real-time stock price): (March 3, 2009) Hartford Cut by S&P on Concern for Insurer’s Brand. The Hartford Will Fail, File For Bankruptcy Protection And/Or Become Insolvent And Wipe Out Investors. (See Previous Cumulative Substantiating Operational And Financial Information).
• HEADLINE #1a-88  Hartford Financial Services aka The Hartford Insurance (NYSE: HIG real-time stock price): (Feb. 27, 2009) S&P Cuts 10 Life Insurers On Higher Loss Assumptions, Includes Hartford. The Hartford Will Fail, File For Bankruptcy Protection And/Or Become Insolvent And Wipe Out Investors. (See Previous Cumulative Substantiating Operational And Financial Information).
• HEADLINE #1a-87  Hartford Financial Services aka The Hartford Insurance (NYSE: HIG real-time stock price): (Feb. 26, 2009) Thomas Marra (50), President Of The Hartford Announces Immediate Resignation From The Board Of Directors, Retirement Effective July 3. The Hartford Will Fail, File For Bankruptcy Protection And/Or Become Insolvent And Wipe Out Investors. (See Previous Cumulative Substantiating Operational And Financial Information).
• HEADLINE #1a-86  Hartford Financial Services aka The Hartford Insurance (NYSE: HIG real-time stock price): (Feb. 26, 2009) Marra to Leave Posts at Hartford Financial. The Hartford Will Fail, File For Bankruptcy Protection And/Or Become Insolvent And Wipe Out Investors. (See Previous Cumulative Substantiating Operational And Financial Information).
• HEADLINE #1a-85  Hartford Financial Services aka The Hartford Insurance (NYSE: HIG real-time stock price): (Feb. 25, 2009) The Hartford's Tom Marra To Retire. The Hartford Will Fail, File For Bankruptcy Protection And/Or Become Insolvent And Wipe Out Investors. (See Previous Cumulative Substantiating Operational And Financial Information).
• HEADLINE #1a-84  Hartford Financial Services aka The Hartford Insurance (NYSE: HIG real-time stock price): (Feb. 20, 2009) Hartford Faces Commercial Mortgage Losses. The Hartford Will Fail, File For Bankruptcy Protection And/Or Become Insolvent And Wipe Out Investors. (See Previous Cumulative Substantiating Operational And Financial Information).
• HEADLINE #1a-83   Hartford Financial Services aka The Hartford Insurance (NYSE: HIG real-time stock price): (Feb. 20, 2009): Conn. Bill To Ease Bad Faith Suits Stirs Insurers’ Opposition ... In An Attempt To Help Protect Policyholders In What Has Been Known As The (Bad Faith) Insurance Capitol Of The World. The Hartford Will Fail, File For Bankruptcy Protection And/Or Become Insolvent And Wipe Out Investors. (See Previous Cumulative Substantiating Operational And Financial Information).
• HEADLINE #1a-82  Hartford Financial Services aka The Hartford Insurance (NYSE: HIG real-time stock price): (Feb. 19, 2009) Conn. Regulator Defends Hartford Surplus Decision. The Hartford Will Fail, File For Bankruptcy Protection And/Or Become Insolvent And Wipe Out Investors. (See Previous Cumulative Substantiating Operational And Financial Information).
• HEADLINE #1a-81  Hartford Financial Services aka The Hartford Insurance (NYSE: HIG real-time stock price): (Feb. 18, 2009) Atlanta Braves Sue Hartford Over Pitcher’s Disability. The Hartford Will Fail, File For Bankruptcy Protection And/Or Become Insolvent And Wipe Out Investors. (See Previous Cumulative Substantiating Operational And Financial Information).
• HEADLINE #1a-80  Hartford Financial Services aka The Hartford Insurance (NYSE: HIG real-time stock price): (Feb. 17, 2009) Beazley Group Acquires Hartford Unit. The Hartford Will Fail, File For Bankruptcy Protection And/Or Become Insolvent And Wipe Out Investors. (See Previous Cumulative Substantiating Operational And Financial Information).
• HEADLINE #1a-79  Hartford Financial Services aka The Hartford Insurance (NYSE: HIG real-time stock price): (Feb. 16, 2009) Connecticut Regulator Allows Hartford (HIG) To Use Nearly $1 Billion For Statutory Surplus. The Hartford Will Fail, File For Bankruptcy Protection And/Or Become Insolvent And Wipe Out Investors. (See Previous Cumulative Substantiating Operational And Financial Information).
• HEADLINE #1a-78  Hartford Financial Services aka The Hartford Insurance (NYSE: HIG real-time stock price): (Feb. 12, 2009) Hartford Got Nearly $1 Billion Relief From Ex-Manager Turned Regulator. It's been less than 14 months since FBIC spearheaded the movement in which it called for and received the resignation of Connecticut's former insurance commissioner, (Susan Cogswell) and already FBIC finds itself again now asking the FBI to come back and reinvestigate allegations of wrongdoing in this insurance transaction between The Hartford and the Connecticut state insurance commission ... and asking for the immediate resignation of the current newly installed (less than 10 months) Connecticut State Insurance Commissioner Thomas Sullivan who should have recused himself from the conflict of interest and involvement in making this major decision, which was unique policy and a serious aberration from the norm, and which impacts all Hartford  policyholders, state citizens and taxpayers. How stupid or fraudulent can one be as this action 'under an expected failure' further jeopardizes investors to being farther back-of-the-line, greatly exposes policyholders in not meeting the insurer's obligations, and ultimately exposes CT taxpayers? The Hartford Will Fail, File For Bankruptcy And/Or Become Insolvent The Longer It Puts Off Filing For Bankruptcy Protection ... In Any Event, It Wipes Out Investors And Potentially Leaves Policyholders Short And Exposed. (See Previous Cumulative Substantiating Operational And Financial Information).
  
• HEADLINE #1a-77  Hartford Financial Services aka The Hartford Insurance (NYSE: HIG real-time stock price): (Feb. 12, 2009) Hartford Falls After Ouster From U.S. Commercial Paper Program. ... The Hartford Will Fail, File For Bankruptcy Protection Or Become Insolvent And Wipe Out Investors. (See Previous Cumulative Substantiating Operational And Financial Information).
  
• HEADLINE #1a-76  Hartford Financial Services aka The Hartford Insurance (NYSE: HIG real-time stock price): (Feb. 12, 2009) Hartford Wins State Reserve Relief, Boosting Surplus. This act by the state is irresponsible, too little too late and only contributes if not exposes how dire and how close The Hartford is to failing. As exposed and indicated in the article "Hartford also said it was ousted from the federal program that buys short-term debt because ratings firms downgraded the firm. Hartford had issued $375 million to the U.S. Commercial Paper Program as of Dec. 31 before being expelled." ... it is believed that Ramani Ayer, Hartford's finance executives, media and investors relations failed to disclose this important item to shareholders at the time?  It's probably too late for Hartford which needs to seriously stem the tide of its mounting losses and take drastic cost-cutting measures to slow losses and it's negative cash flow burn rate as the signs indicate The Hartford grows nearer to bankruptcy if not with this step moreso closer to insolvency. This irresponsible step by the state insurance department regulators merely puts Hartford one step closer to insolvency and wiping out shareholders, bondholders and policyholders.  ... The Hartford Will Fail, File For Bankruptcy And/Or Become Insolvent The Longer It Delays Bankruptcy ... In Any Event, It Wipes Out Investors And Jeopardizes Policyholders. (See Previous Cumulative Substantiating Operational And Financial Information).
  
• HEADLINE #1a-75  Hartford Financial Services aka The Hartford Insurance (NYSE: HIG real-time stock price): (Feb. 9, 2009) Hartford Asks For Reporting Flexibility - Although Commission Says Not Permitted By Law To Discuss. ... The Hartford Will Fail, File For Bankruptcy Protection Or Become Insolvent And Wipe Out Investors. (See Previous Cumulative Substantiating Operational And Financial Information).
  
• HEADLINE #1a-74  Hartford Financial Services aka The Hartford Insurance (NYSE: HIG real-time stock price): (Feb. 10, 2009) Life Insurance Stocks Fall On Rating Worries. ... The Hartford Will Fail, File For Bankruptcy Protection Or Become Insolvent And Wipe Out Investors. (See Previous Cumulative Substantiating Operational And Financial Information).
  
• HEADLINE #1a-73  Hartford Financial Services aka The Hartford Insurance (NYSE: HIG real-time stock price): (Feb. 10, 2009) No Federal $ For Insurers? ... The Hartford Will Fail, File For Bankruptcy Protection Or Become Insolvent And Wipe Out Investors. (See Previous Cumulative Substantiating Operational And Financial Information).
  
• HEADLINE #1a-72  Hartford Financial Services aka The Hartford Insurance (NYSE: HIG real-time stock price): (Feb. 10 2009) S&P Lowers Hartford's Ratings to 'A-'; On CreditWatch Negative. ... The Hartford Will Fail, File For Bankruptcy Protection Or Become Insolvent And Wipe Out Investors. (See Previous Cumulative Substantiating Operational And Financial Information).
  
• HEADLINE #1a-71  Hartford Financial Services aka The Hartford Insurance (NYSE: HIG real-time stock price): (Feb. 9, 2009) Hartford Rises on Speculation Government Readies Aid. Hartford Financial Services Group Inc., the Connecticut-based insurer that lost $2.75 billion last year, rose in New York trading on speculation the government and regulators will provide financial relief. ... The Hartford Will Fail, File For Bankruptcy Protection Or Become Insolvent And Wipe Out Investors. (See Previous Cumulative Substantiating Operational And Financial Information).
  
• HEADLINE #1a-70  Hartford Financial Services aka The Hartford Insurance (NYSE: HIG real-time stock price): (Feb. 9, 2009) Treasury To Approve insurers For TARP Funds Sources? ... The Hartford Will Fail, File For Bankruptcy Protection Or Become Insolvent And Wipe Out Investors. (See Previous Cumulative Substantiating Operational And Financial Information).
  
• HEADLINE #1a-69  Hartford Financial Services aka The Hartford Insurance (NYSE: HIG real-time stock price): (Feb. 6, 2009) Hartford May Be Forced to Break Up as Capital Slips. ... The Hartford Will Fail, File For Bankruptcy Protection Or Become Insolvent And Wipe Out Investors. (See Previous Cumulative Substantiating Operational And Financial Information).
  
• HEADLINE #1a-68  Hartford Financial Services aka The Hartford Insurance (NYSE: HIG real-time stock price): (Feb. 6, 2009) Hartford May Win Reserve Relief From State Regulator. ... The Hartford Will Fail, File For Bankruptcy Protection Or Become Insolvent And Wipe Out Investors. (See Previous Cumulative Substantiating Operational And Financial Information).
  
• HEADLINE #1a-67  Hartford Financial Services aka The Hartford Insurance (NYSE: HIG real-time stock price): (Feb. 6, 2009) Moody's Cuts Hartford, Cites Capital Concerns. ... The Hartford Will Fail, File For Bankruptcy Protection Or Become Insolvent And Wipe Out Investors. (See Previous Cumulative Substantiating Operational And Financial Information).
  
• HEADLINE #1a-66  Hartford Financial Services aka The Hartford Insurance (NYSE: HIG real-time stock price): (Feb. 6, 2009) Hartford Shares Fall 25 Pct On New Capital Woes. ... The Hartford Will Fail, File For Bankruptcy Protection Or Become Insolvent And Wipe Out Investors. (See Previous Cumulative Substantiating Operational And Financial Information).
  
• HEADLINE #1a-65  Hartford Financial Services aka The Hartford Insurance (NYSE: HIG real-time stock price): (Feb. 6, 2009) Hartford Posts $806 Million Loss in Fourth Quarter. ... The Hartford Will Fail, File For Bankruptcy Protection Or Become Insolvent And Wipe Out Investors. (See Previous Cumulative Substantiating Operational And Financial Information).
  
• HEADLINE #1a-64  Hartford Financial Services aka The Hartford Insurance (NYSE: HIG real-time stock price): (Feb. 5, 2009) Hartford Posts Large Q4 Loss, To Cut Dividend. ... The Hartford Will Fail, File For Bankruptcy Protection Or Become Insolvent And Wipe Out Investors. (See Previous Cumulative Substantiating Operational And Financial Information).
  
• HEADLINE #1a-63  Hartford Financial Services aka The Hartford Insurance (NYSE: HIG real-time stock price): (Feb. 5, 2009) Hartford Financial Posts Large 4Q Loss. ... The Hartford Will Fail, File For Bankruptcy Protection Or Become Insolvent And Wipe Out Investors. (See Previous Cumulative Substantiating Operational And Financial Information).
  
• HEADLINE #1a-62  Hartford Financial Services aka The Hartford Insurance (NYSE: HIG real-time stock price): (Feb. 5, 2009) Hartford Slashes Dividend 84% After Posting Loss. ... The Hartford Will Fail, File For Bankruptcy Protection Or Become Insolvent And Wipe Out Investors. (See Previous Cumulative Substantiating Operational And Financial Information).
  
• HEADLINE #1a-61  Hartford Financial Services aka The Hartford Insurance (NYSE: HIG real-time stock price): (Jan. 21, 2009) AARP Is Sued Over Insurance Premiums Charged to Its Members ... Negatively Effects The Hartford. ... The Hartford Will Fail, File For Bankruptcy Protection Or Become Insolvent And Wipe Out Investors. (See Previous Cumulative Substantiating Operational And Financial Information).
  
• HEADLINE #1a-60  Hartford Financial Services aka The Hartford Insurance (NYSE: HIG real-time stock price): (Jan. 19, 2009) Insurers Brace For Commercial Mortgage Turmoil ... (And So Should Hartford In Spite Of It's Prior Exceptional Comments To The Contrary). ... The Hartford Will Fail, File For Bankruptcy Protection Or Become Insolvent And Wipe Out Investors. (See Previous Cumulative Substantiating Operational And Financial Information).
  
• HEADLINE #1a-59 Hartford Financial Services aka The Hartford Insurance (NYSE: HIG real-time stock price): (Jan. 15, 2009) AARP’s Stealth Fees (And Kickbacks From The Hartford) Often Sting Seniors With Costlier Insurance. Bloomberg Television will broadcast this evening Thursday Jan. 15, 2009 an expose on AARP's conflicted interests involving insurance companies that it has royalty (kickback) arrangements with, which AARP may allegedly endorse, that are much more costly than other insurers, in some cases twice as much if not more, and ultimately are not in the best interests of senior citizens. AARP has such an arrangement with The Hartford which is expected to be negatively highlighted and a focus of the expose'. You don't want to miss it.
• HEADLINE #1a-58  Hartford Financial Services aka The Hartford Insurance (NYSE: HIG real-time stock price): (Jan. 15, 2009) Hartford Leads Life Insurers Lower on Credit Concerns. ... The Hartford Will Fail, File For Bankruptcy Protection Or Become Insolvent And Wipe Out Investors. (See Previous Cumulative Substantiating Operational And Financial Information).
  
• HEADLINE #1a-57  Hartford Financial Services aka The Hartford Insurance (NYSE: HIG real-time stock price): (Jan. 12, 2009) Hartford Falls as Plea for Speedier Reform Rebuffed. ... The Hartford Will Fail, File For Bankruptcy Protection Or Become Insolvent And Wipe Out Investors. (See Previous Cumulative Substantiating Operational And Financial Information).
  
• HEADLINE #1a-56  Hartford Financial Services aka The Hartford Insurance (NYSE: HIG real-time stock price): (Jan. 10, 2009) Hartford Moves Closer to U.S. Aid on Takeover Approvals. ... The Hartford Will Fail, File For Bankruptcy Protection Or Become Insolvent And Wipe Out Investors. (See Previous Cumulative Substantiating Operational And Financial Information).
  HEADLINE #1a-55 Hartford Financial Services aka The Hartford Insurance (NYSE: HIG): (Dec. 22, 2008) Life Insurers Plunge as Commercial Mortgage Defaults Loom ... The Hartford Will Fail, File For Bankruptcy Protection Or Become Insolvent And Wipe Out Investors. (See Previous Cumulative Substantiating Operational And Financial Information).
  
• HEADLINE #1a-54 (Dec. 10, 2008) Hartford Financial Services aka The Hartford Insurance (NYSE: HIG): NAIC Looks At Disability Insurers Best Practices ... As The Article Recognizes 20% Of All Disability Claims Don't Get Paid Properly and Promptly, FBIC Cites Hartford Insurance As Being The #2 Rated Worst Bad Faith Disability Insurer. The Hartford Will Fail, File For Bankruptcy Protection Or Become Insolvent And Wipe Out Investors. (See Previous Cumulative Substantiating Operational And Financial Information).
  
• HEADLINE #1a-53 (Dec. 5, 2008) Hartford Financial Services aka The Hartford Insurance (NYSE: HIG): Hartford Says It Sees 2009 Growth In Most Life Insurance Lines ... Yet Industry Experts Sees Life Insurance Sales Down For 2009. Life insurance industry sees sales down, more life sales down. Is this more wishful thinking or intentional miscommunications by Hartford as management continues its escapade to what appears to be an effort to over-project to investors in hopes of boosting their ailing stock market price especially when they are contrary to life insurance industry experts, analysts and overseers projections where the consensus is that of sales decreases for the industry especially in a deteriorating and tough economy? The Hartford Will Fail, File For Bankruptcy Protection Or Become Insolvent And Wipe Out Investors. (See Previous Cumulative Substantiating Operational And Financial Information).
  
• HEADLINE #1a-52 aka Hartford Financial Services aka The Hartford Insurance (NYSE: HIG): (Dec. 5, 2008) Hartford Rises as It Boosts Forecast, Affirms Capital. ... As indicated, there are 'many' questions regarding Ramani Ayer's parsed and vague statements and double-talking in Hartford's investors conference held this day Some of the ambiguous statements are incorporated in The Hartford's forward looking statements many of which can be caught by reading this Bloomberg News article as well as other mainstream media articles of which many are cited herein. For just a couple of investor questions which are prompted in their investors conference and indicated in the article are the statements "exclude investment results", "exclude one-time and special items" especially as Ayer stated, "some of the insurer's holdings have been hammered way beyond what we believe is the intrinsic value". Even more questionable are The Hartford's projections in the article being optimistic for their P&C operations when the consensus for the P&C industry is for a decline as the P&C insurance and life insurance markets continue and are projected to worsen for 2008 and 2009. Ramani Ayer's represents projections for The Hartford are optimistic for their P&C and Life operations even when the industries' experts consensus for the P&C, Life and other insurance related Industries are for a decline as the P&C insurance market continues to worsen for 2008 and 2009 are the real facts for P&C insurance industry says sales are down, soft at best, Life insurance industry says sales are down and expected to go down further to say the least, More Down For 'Life' Industry, More Down For 'P&C' ('Auto', 'Homeowner') Industry. Is Hartford Chairman & CEO Ramani Ayer knowingly misrepresenting and misstating the true Hartford P&C Insurance, Life Insurance, And Annuity facts to investors? The facts by industry experts and mainstream media say otherwise. Is Hartford's financial and communications departments at Ayer's command intentionally misstating the facts and providing misinformation and/or more false statements and untruths (aka lies) to the Public and not telling Americans, investors and concerned policyholders the truth?
  
  Among further questions include the reference that "Hartford has $3.5 billion of existing additional capital resources", is this the same collateral referred to which are otherwise not liquid and to be used as collateral as referenced earlier with The U.S. Treasury TARP should Paulson change his mind and allow them to borrow? Also, they have repeatedly referenced this year to "a $1.9 billion revolving credit facility" but in such a deteriorating market as this is, The Hartford fails to identify the source and at very least indicate if/when the credit facility expires. "They further indicate that Hartford may face further losses as commercial mortgage delinquencies rise and securities backed by the loans plummet. The company is "overweight" CMBS, with a $11.2 billion portfolio, according to a slide presentation today" further adds to potential for serious one-time charges not presently reflected esp. when "Top-rated commercial-mortgage bonds, the largest part of the market, tumbled about 10 percent last month, according to Merrill Lynch & Co.'s CMBS Fixed-Rate AAA-Rated index. (In addition, see statement that "Prudential Financial Inc. disclosed that unrealized losses on fixed-income securities more than doubled to $13.4 billion on Nov. 21 from $5.9 billion at the end of September.) ... This Is A Train Wreck Waiting To Happen. The Hartford Will Fail, File For Bankruptcy Protection Or Become Insolvent And Wipe Out Investors. (See Previous Cumulative Substantiating Operational And Financial Information).
  
• HEADLINE #1a-51 (Dec. 5, 2008) Hartford Financial Services aka The Hartford Insurance (NYSE: HIG): Hartford Predicts Strong P-C Results For ‘09 ... Yet Market Barometer, Industry Analysts See P&C industry Sales For Late 08 And 09 Down Along With Rate Reductions, Soft At Best, And P&C Reveal 9 Percent Rate Reductions In November 08. More on Ramani Ayer's double-talking. Ayer indicated at his investor conference "noting that the firm’s property and casualty operations are capitalized at levels higher than those historically associated with a 'double-A'-level rated company" without noting that on Oct. 31 Moody's downgraded and cut Hartford's unsecured debt rating one notch to A3 while Fitch downgraded Hartford to A from A+ (indicating that it's not strong enough for a AA). ... The Hartford Will Fail, File For Bankruptcy Protection Or Become Insolvent And Wipe Out Investors. (See Previous Cumulative Substantiating Operational And Financial Information).
  
• HEADLINE #1a-50 (FBIC Reports Dec. 5, 2008) Hartford Financial Services aka The Hartford Insurance (NYSE: HIG): Hartford Financial Services Group Lifts FY08 Core EPS Outlook - Quick Facts  ... and more on Ramani Ayers double-talking statements. (Because of so many previous untruths and misleading statements issued by The Hartford in the past, FBIC questioned this "Hartford Company News" brief 6-sentence article released from The Hartford's Ramani investor conference which indicates: "The Hartford noted that it is well capitalized and has ample liquidity" along with "The Company's statutory surplus exceeded $13 billion as of September 30, 2008 and the company held more than $12 billion in cash, short-term investments and Treasuries, as of November 30, 2008". Attention: These two sentences are misleading investors as they are not related. The Hartford should immediately apologize and clarify for investors and the Public that the "well capitalized and ample liquidity" statement here has nothing to do with the referenced statement "statutory $13 billion surplus and $12 billion" figures. The Company's referenced "statutory surplus exceeded $13 billion as of September 30, 2008 and the company held more than $12 billion in cash, short-term investments and Treasuries, as of November 30, 2008" are FYI, The Hartford's statutory figures which are The Hartford's reserves held by state insurance statute regulatory authority and according to all state laws are required (along with all insurance companies) to be held for all policyholders and to cover claims, etc. and as such Hartford knows these moneys by law cannot be touched or used for operations or liquidity purposes and subsequently has nothing to do with the Company's liquidity ... This stated and knowing this, the "well capitalized and ample liquidity" statement in actuality leaves Hartford with a shrinking smaller and marginally at best amount of cash remaining for liquidity and operations.
  
  FBIC calls again for these reserves to be constantly monitored and verified for their quality and existence by the states Departments of Insurance ... Policyholders Demand And Deserve This! ... (Note: It became further obvious to FBIC that the $13 billion in cash and short-term related securities held by regulatory authority of which reserves are required to be held by law, as obviously why would Hartford sell a 26% stake in the Company to Allianz as it did on October 6 in order to raise a small $2.5 billion to stay afloat if it has $12 billion in cash? At least it's good to know that The Hartford in this regard is bringing attention to the fact that it's observing the law. No other insurance company refers to statutory dollars held in reserve and to top it off refers to it regarding 'liquidity' in the same sentence or paragraph. The Hartford should apologize for issuing two such misleading inappropriate and ambiguous statements in such ambiguous context let alone the same Company article. In addition, and as indicated, we should be cautious and wary as to "Analysts' estimates typically exclude special items" statement as Company's forecasts such as was involved here always excludes unrealized losses, investment results, one-time and many potential special items which should be expected to be negative, and possibly a very big negative. Also note that the article references that "Prudential Financial Inc. disclosed that 'unrealized losses' on fixed-income securities more than doubled to $13.4 billion on Nov. 21 from $5.9 billion at the end of September. And furthermore there's the mention that "Mortgage bonds posted a record decline in November" along with properties bundled into bonds and other one-time items pose very substantial negative exposures for the life insurers industry. ... These Rampant Ambiguities And Potential Deceptions In This Case Herald A Train Wreck Waiting To Happen. The Hartford Will Fail, File For Bankruptcy Protection Or Become Insolvent And Wipe Out Investors. (See Previous Cumulative Substantiating Operational And Financial Information).
  
• HEADLINE #1a-49 (Dec. 5, 2008) Hartford Financial Services aka The Hartford Insurance (NYSE: HIG): Hartford Soars as It Boosts Forecast, Affirms Capital. ... Ramani Ayer's forward-looking statements are mired in double-talk and seen through rose-colored glasses, are also completely exclusive of industry anticipated one-time charges and in sharp contrast to the Life and P&C insurance industry segments consensus which indicate and anticipate they are in a soft pricing environment and/or decreasing sales markets respectively (as articles indicating soft market confirm herein). The Hartford Will Fail, File For Bankruptcy Protection Or Become Insolvent And Wipe Out Investors. (See Previous Cumulative Substantiating Operational And Financial Information).
  
• HEADLINE #1a-48 (Dec. 4, 2008) Hartford Financial Services aka The Hartford Insurance (NYSE: HIG): AARP’s Stealth Fees Often Sting Seniors With Costlier Insurance From The Hartford. (the article states: "AARP/Hartford charged $700 a year more than the average";  "found AARP/Hartford to have the highest premiums"; "found GEICO offered a price that was half as much as AARP/Hartford"; and, "dare I say kickbacks" (Oops, there's the word 'kickback' 'again' used in reference 'again' to The Hartford). ... The Hartford Will Fail, File For Bankruptcy Protection Or Become Insolvent And Wipe Out Investors. (See Previous Cumulative Substantiating Operational And Financial Information).
  
• HEADLINE #1a-47 (Nov. 25, 2008) Hartford Financial Services aka The Hartford Insurance (NYSE: HIG): The Hartford Comments On Its Highly Rated Commercial Mortgage-Backed Securities. ... The Hartford Will Fail, File For Bankruptcy Protection Or Become Insolvent And Wipe Out Investors. (See Previous Cumulative Substantiating Operational And Financial Information).
  
• HEADLINE #1a-46 (FBIC Reports Nov. 24, 2008) Hartford Financial Services aka The Hartford aka Hartford Insurance Update (NYSE: HIG): FYI, The Top 10 Variable Annuity Providers List - Variable Annuities Are Reported To Be A Major Liability And Negative Cash Flow Burner For Insurers. Note: The Hartford, listed twice on the list of the top ten, one as "Hartford Life & Annuity Ins" and also "Hartford Life Ins", by this source ranks The Hartford the U.S. #3 largest variable annuity insurer, although relatively close in annuity sales to #1 Metlife and #2 Prudential and reportedly one of a number of sources causing this insurer to have significant losses and negative cash flow. more stats on annuities
  (Hartford Is Expected To Have To File For Bankruptcy Protection ... See Previous Cumulative Substantiating Operational And Financial Information).
• HEADLINE #1a-45 (FBIC Reports Nov. 21, 2008) Hartford Financial Services aka The Hartford aka Hartford Insurance Update (NYSE: HIG): 52 week previous high: $ 99.21; The Dow Jones Average was up 7% today along with most insurers also up but 'HIG' Shares Continued It's Dive Toward Zero, Falling Today To $4.95, Another Record Closing Low For The Stock, Representing A Change -$0.62 Or Down -11.13%. ... Hartford Is Expected To Have To File For Bankruptcy Protection. (See Previous Cumulative Substantiating Operational And Financial Information).
• HEADLINE #1a-44 (FBIC Reports Nov. 20, 2008) Hartford Financial Services aka The Hartford aka Hartford Insurance Update (NYSE: HIG): 52 week previous high: $ 99.21; HIG Shares Continued It's Dive Toward Zero Falling To Another Record Closing Low Today  $5.57, Change -$1.31 or Down -19.04%. ... Hartford Has No Choice And Is Expected To Have To File For Bankruptcy Protection. (See Previous Cumulative Substantiating Operational And Financial Information).
• HEADLINE #1a-43 (Nov. 20, 2008) Hartford Financial Services aka The Hartford Insurance (NYSE: HIG): Commercial Mortgage Securities Batters Hartford Financial Services. ... The Hartford Will Fail, File For Bankruptcy Protection Or Become Insolvent And Wipe Out Investors. (See Previous Cumulative Substantiating Operational And Financial Information).
  
• HEADLINE #1a-42 (FBIC Reports Nov. 19, 2008) Hartford Financial Services aka The Hartford aka Hartford Insurance Update (NYSE: HIG): 52 week previous high: $ 99.21; HIG Shares Fell Today To Set 'Another' New Record Closing Low At $6.88, Change -$2.76 or Down -28.6%. ... With No New Sources Of Cash Or Capital Apparently Available, And Concern That 'All' Segments Of Its Businesses (P&C, Life, Annuities, Mortgage-Backed Securities, Investments, Etc.) Are/Have Turned Negative And Hemorrhaging Increasing Negative Cash Flows ... Exclusive Of It's Negative Cash Flow Is It's Growing Worse By The Day Staggering Substantial $ Amount Of Toxic 'Unrealized Losses' On The Books. As The Hartford's Situation Becomes Worse By The Day At An Increasing Accelerating Rate, There Are Growing Imminent Concerns That Management Sees The Evident And Obvious Handwriting On The Wall And For Strategic Reasons To Stop And Best Protect Company Assets That Hartford Will File For Bankruptcy Protection Sooner Than Later, Wipe Out General Investors For The Most Part But Give The Company It's Best Chance Of Ch. 11 Reorganization Rather Than Delay, Burn More Cash, Further Deplete Assets Until It Is In A Weakened State That It Becomes Insolvent. (See Previous Cumulative Substantiating Operational And Financial Information).
• HEADLINE #1a-41 (FBIC Reports Nov. 18, 2008) Hartford Financial Services aka The Hartford aka Hartford Insurance Update (NYSE: HIG): Treasury Secretary Henry Paulson Testified Before Congress Today.  On Point: Recently Buying A Savings Bank, It Is Very Likely That The Hartford, Etal Will Not Receive Bailout Funds From The U.S. Treasury Program. FBIC Excerpted: Treasury Secretary Henry Paulson testified at the hearing that the Treasury Department would be selective about letting insurers participate in the CPP by creating a bank holding company or a thrift holding company. "I'm not sure that's going to be a successful strategy," Paulson said. "Using a bank or thrift holding company operation to apply for the CPP "may make sense" for insurers that have had bank holding companies for some time, Paulson said.
  
• HEADLINE #1a-40 (Nov. 18, 2008) Hartford Financial Services aka The Hartford Insurance (NYSE: HIG): Fraud Suit Reinstated Against The Hartford. ... The Hartford Will Fail, File For Bankruptcy Protection Or Become Insolvent And Wipe Out Investors. (See Previous Cumulative Substantiating Operational And Financial Information).
  
• HEADLINE #1a-39 (Nov. 18, 2008) Hartford Financial Services  aka The Hartford Update (NYSE: HIG): Kickback Case Reinstated Against The Hartford. ... The Hartford Will Fail, File For Bankruptcy Protection Or Become Insolvent And Wipe Out Investors. (See Previous Cumulative Substantiating Operational And Financial Information).
  
• HEADLINE #1a-38 (FBIC Reports Nov. 17, 2008) Hartford Financial Services aka The Hartford aka Hartford Insurance Update (NYSE: HIG): 52 week previous high: $ 99.21; HIG Shares Fell Today To $9.26, Change -$3.39 or Down -26.8%. ... The Hartford Will Fail, File For Bankruptcy Protection And Wipe Out Investors. (See Previous Cumulative Substantiating Operational And Financial Information).
• HEADLINE #1a-37 (Nov. 17, 2008) Hartford Financial Services aka The Hartford aka Hartford Insurance Update (NYSE: HIG): Hartford Financial Services' Quest for TARP Money Met with Skepticism. Hartford Financial Services (HIG) resumes downtrend despite plan to access TARP money ... The Hartford Will Fail, File For Bankruptcy Protection Or Become Insolvent And Wipe Out Investors. (See Previous Cumulative Substantiating Operational And Financial Information).
  
• HEADLINE #1a-36 (Nov. 17, 2008) Hartford Financial Services aka The Hartford aka Hartford Insurance Update (NYSE: HIG): Employees Sue The Hartford Over Retirement-Plan Stock Losses. ... The Hartford Will Fail, File For Bankruptcy Protection Or Become Insolvent And Wipe Out Investors. (See Previous Cumulative Substantiating Operational And Financial Information).
  
• HEADLINE #1a-35 (Nov. 17, 2008) Hartford Financial Services aka The Hartford aka Hartford Insurance Update (NYSE: HIG): Hartford Gets Hit Again By Policyholders In U.S. Court Case. ... The Hartford Will Fail, File For Bankruptcy Protection And Wipe Out Investors. (See Previous Cumulative Substantiating Operational And Financial Information).
  
• HEADLINE #1a-34 (Nov. 17, 2008) Hartford Financial Services aka The Hartford aka Hartford Insurance Update (NYSE: HIG): Hartford Financial Down On Variable Annuity Worry. ... The Hartford Will Fail, File For Bankruptcy Protection And Wipe Out Investors. (See Previous Cumulative Substantiating Operational And Financial Information).
  
• HEADLINE #1a-33 (Nov. 15, 2008) Hartford Financial Services aka The Hartford aka Hartford Insurance Update (NYSE: HIG): Hartford Expects To Qualify For $1.1 Billion To $3.4 Billion Needed Funds Under TARP Treasury Department Bailout Guidelines. This may very well be the last funds available to Hartford. With limited or no other new cash infusions or capital lending sources available, it's likelihood of bankruptcy is closer to becoming reality.
  
• HEADLINE #1a-32 (Nov. 15, 2008) Hartford Financial Services aka The Hartford aka Hartford Insurance Update (NYSE: HIG): Hartford Seeks To Buy A Bank, To Convert To S&L. ... The Hartford Will Fail, File For Bankruptcy Protection And Wipe Out Investors. (See Previous Cumulative Substantiating Operational And Financial Information). 
  
• HEADLINE #1a-31 (FBIC Reports Nov. 14, 2008) Hartford Financial Services  aka The Hartford aka Hartford Insurance Update (NYSE: HIG): Abracadabra, ... Hartford Becomes a Savings and Loan as it is reported that it 'is acquiring' a small savings bank for $10 million. (Unfortunately, because of it's intrinsic continuing negative cash flow and systemic failing toxic and bad investments, it is highly doubtful that Houdini could not save it from disappearing and going under ... the acquisition or conversion only delays the inevitable that Hartford Will Fail And Have To File For Bankruptcy Protection Wiping Out Investors). 
• HEADLINE #1a-30 (FBIC Reports Nov. 14, 2008) Hartford Financial Services aka The Hartford aka Hartford Insurance Update (NYSE: HIG): "Insurers Mull S&L Status" ... Companies that own a savings and loan and thus are already regulated by the OTS include MetLife Inc., the biggest U.S. life insurer; No. 2 Prudential Financial Inc.; Allstate Corp.; Principal Financial Group Inc. and Nationwide Corp. Those that aren't include Hartford Financial Services Group Inc., Lincoln National Corp. and Genworth Financial Inc.
• HEADLINE #1a-29 (FBIC Reports Nov. 14, 2008) Hartford Financial Services aka The Hartford aka Hartford Insurance Update (NYSE: HIG): "Goldman Sachs Bearish On U.S. Life Insurance Sector", "Goldman Sachs Says Sell Hartford Shares". There Is No Positive Cash Flow Nor Shining Light On Hartford's (HIG) Balance Sheet Or Operations Adequate Enough To Sustain It As It Stands Currently.  Indications Are That Hartford Will Fail Or Go Into Bankruptcy.
• HEADLINE #1a-28 (FBIC Reports Nov. 13, 2008) Hartford Financial Services aka The Hartford aka Hartford Insurance Update (NYSE: HIG): Hartford Shares Continue To Fall as Hartford returns to single digit intraday low of $8.62 on rumors that it continues to burn cash and has been unsuccessful at finding any new sources of capital. As previously reported that it's operating cash levels have been diminished from a falling stock price ... Hartford's viability continues to deteriorate as an operating company and day by day becomes more and more tenuous. Fears among 'The Hartford' investors and policyholders have increased and rightfully so as the probability of bankruptcy for Hartford has grown from it's late October 20% to it's current 50%. With no new cash or capital sources available, it's likelihood of bankruptcy is fast becoming a reality.
  
• HEADLINE #1a-27 (Nov. 11, 2008) Hartford Financial Services aka The Hartford aka Hartford Insurance Update (NYSE: HIG): Hartford Drops; Goldman Downgrades Hartford (HIG) Stock To "Sell".  As FBIC Previously Indicated On October 2, Projections Indicate That Hartford Will Fail And Declare Bankruptcy Protection. (See Previous Cumulative Substantiating Operational And Financial Information)..
• HEADLINE #1a-26 (FBIC Reports Nov. 11, 2008) Hartford Financial Services aka The Hartford aka Hartford Insurance Update (NYSE: HIG): The Hartford Shares On The Move, Down ... The Hartford Will Fail, File For Bankruptcy Protection And Wipe Out Investors. (See Previous Cumulative Substantiating Operational And Financial Information).
• HEADLINE #1a-25 (Nov. 6, 2008) Hartford Financial Services aka The Hartford aka Hartford Insurance Update (NYSE: HIG): Annuities Contribute To Hartford's Steep Losses ... The Hartford Will Be Next To Fail Or File For Bankruptcy Protection And Wipe Out Investors. (See Previous Cumulative Substantiating Operational And Financial Information).
• HEADLINE #1a-24 (Nov. 4, 2008) Hartford Financial Services aka The Hartford aka Hartford Insurance Update (NYSE: HIG): The Hartford To Cut 500 Jobs Across Country.
• HEADLINE #1a-23 (Nov. 3, 2008) Hartford Financial Services aka The Hartford aka Hartford Insurance Update (NYSE: HIG): Hartford Drops Its Capital Margin Estimate by $1.5 Billion ... FBIC Calls Indicate For Hartford To Fail. (See Previous Cumulative Substantiating Operational And Financial Information).
• HEADLINE #1a-22 (Nov. 3, 2008) Hartford Financial Services aka The Hartford aka Hartford Insurance Update (NYSE: HIG): Hartford Reduces Year-End Capital Margin Forecast ... Hartford Is Expected To Be Next To Fail Or Go Into Bankruptcy And Wipe Out Investors. (See Previous Cumulative Substantiating Operational And Financial Information).
• HEADLINE #1a-21 (Oct. 31, 2008) Hartford Financial Services aka The Hartford aka Hartford Insurance Update (NYSE: HIG): Hartford Has `Few Options' for Capital, Berg Says ... Fears That Hartford Will Fail Or Go Into Bankruptcy. (See Previous Cumulative Substantiating Operational And Financial Information).
• HEADLINE #1a-20 (FBIC Reports Oct. 31, 2008) Hartford Financial Services aka The Hartford aka Hartford Insurance Update (NYSE: HIG): Merrill-Lynch Downgrades Hartford Financial Services To Neutral.  ... Hartford Will Fail Or File For Bankruptcy Protection. (See Previous Cumulative Substantiating Operational And Financial Information).
• HEADLINE #1a-19 (Oct. 30, 2008) Hartford Financial Services aka The Hartford aka Hartford Insurance Update (NYSE: HIG): The Hartford Will Cut Jobs And Expenses ... Citing Hartford's Dismal Performance And Tenuous Situation, The Consensus Is That The Cuts To Jobs And Expenses Without Increasing And Shoring Up Shrinking Sales And Revenues Losses Combined With The Question Of Whether The Cuts Can Be Implemented Swiftly Enough As The Cash Flow Clock Is Ticking ... That Without A Required Substantial Infusion of New Capital, It's Too Little Too Late And Alone Will Not Be Enough To Save The Weakened And Ailing Insurer From Failing. (See Previous Cumulative Substantiating Operational And Financial Information).
• HEADLINE #1a-18 (FBIC Reports Oct. 30, 2008) Hartford Financial Services aka The Hartford aka Hartford Insurance Update (NYSE: HIG): (52 week high: $99.21) Oct. 30: Hartford Shares Opened At $19.86, Dropped Sharply To A New Intraday Low of $ 8.23 (1:55 PM EST), Down -$11.35, Change -58.1%; The Dow Was Up 2% At The Close Of The Trading Day, But The Hartford Closed at $9.62, Down -$10.24, Change -51.56%. As Previously Indicated By FBIC, Hartford Has Lost The Confidence Of Americans Nationwide And It Appears Investors May Also Feel The Same. ... Hartford Will Fail Or Go Into Bankruptcy. (See Previous Cumulative Substantiating Operational And Financial Information).
  [Important Note To Ramani Ayer, Chairman & CEO, The Hartford: It's Not Too Late To Initiate Your Promised Reform And Start Doing The Right Good Faith Insurer Thing By Taking Your Highly Paid Law Firms Out Of The Picture And Taking Back All Of The Active 'Legitimate' Claims Files That Were Turned Over To Your Outside Law Firms During The Past 15 Years Rather Than Settle Them In Good Faith, And Settle These Claims Now Properly ... And In Addition To Show "Extra-Good Faith", 'Properly' Compensate Plaintiffs Whose Lives Have Been Severely Effected And Damaged By Years Of Severe Adversarial, Retaliatory And Unnecessary Litigation By Hartford's Lawyers.  It's Been Proven Time And Again That The American People Are A Forgiving People. Well, Americans Want Your Company And Your Army Of Highly Qualified Ruthless Attorneys To Stop Acting Badly, NOW.  We Have Not Yet Sent Certified Letters To Your Board Members, Your Institutional Investors, Nor Responded To Contacts From The Media ... It's Not Too Late As You Last Promised On July 23 2007 To Have The Hartford Reform It's Old Ways And Start It's New, NOW ... And FBIC Would Like Nothing More Than To Be There With You.]
  
• HEADLINE #1a-17 (Oct. 30, 2008) Hartford Financial Services aka The Hartford aka Hartford Insurance Update (NYSE: HIG): Hartford Financial Loses Over Half Its Market Value. Hartford Will Fail Or File For Bankruptcy Protection. (See Previous Cumulative Substantiating Operational And Financial Information).
• HEADLINE #1a-16 (Oct. 30, 2008) Hartford Financial Services aka The Hartford aka Hartford Insurance Update (NYSE: HIG): Hartford Financial Services Slips To Loss In Q3. Hartford Will Fail Or Go Into Bankruptcy. (See Previous Cumulative Substantiating Operational And Financial Information).
• HEADLINE #1a-15 (Oct. 30, 2008) Hartford Financial Services aka The Hartford aka Hartford Insurance Update (NYSE: HIG): Hartford Posts 3rd-Qtr Loss, Slashes Year View. Hartford Will Fail Or File For Bankruptcy Protection. (See Previous Cumulative Substantiating Operational And Financial Information).
• HEADLINE #1a-14 (Oct. 30, 2008) Hartford Financial Services aka The Hartford aka Hartford Insurance Update (NYSE: HIG): Market Decline Impacts Capital Levels. Hartford Will Fail Or Go Into Bankruptcy. (See Previous Cumulative Substantiating Operational And Financial Information).
• HEADLINE #1a-13 (FBIC Exclusive Reports Oct. 27-Oct. 30, 2008) Hartford Financial Services aka The Hartford aka Hartford Insurance Update (NYSE: HIG): 52 week high: $ 99.21 To A New Current Closing $ Price Low; Oct. 28: Hartford Shares Are Falling Intraday And Continue It's Dive Lower To $16.47 (12:25 PM EST), Down -$3.30 or Change -16.69%, a new 52-week low; Oct. 27: Hartford Shares Fell Today To $19.77, Down -$4.53 or Change -18.64% To A New Current Closing $ Price Low. The Hartford Will Fail Or File For Bankruptcy Protection. (See Previous Cumulative Substantiating Operational And Financial Information).
  
• HEADLINE #1a-12 (FBIC Exclusive Reports Oct. 27, 2008) Hartford Financial Services aka The Hartford aka Hartford Insurance Update (NYSE: HIG): FBIC expects Hartford's shares to continue to decline unless there are extraordinary circumstances such as: (1) Allianz purchases all the remaining shares of Hartford Financial Services (HIG: NYSE) that it doesn't already own and forthwith immediately removes Hartford's Ramani Ayer, Chairman & CEO and Thomas M. Marra, President & COO from their Company's operating positions and their Board of Directors seats; (2) The Hartford is able to get an infusion from The U.S. Treasury; or (3) Hartford's Ramani Ayer, Chairman & CEO and Thomas M. Marra, President & COO are removed from their Company's operating positions and their Board of Directors seats ... otherwise The Hartford Will Fail Or Go Into Bankruptcy. (See Previous Cumulative Substantiating Operational And Financial Information).
  
• HEADLINE #1a-11 (Oct. 10, 2008) Hartford Financial Services aka The Hartford aka Hartford Insurance Update (NYSE: HIG): Hartford Default Swaps Trade Upfront. Hartford Will Fail Or File For Bankruptcy Protection. (See Previous Cumulative Substantiating Operational And Financial Information).
• HEADLINE #1a-10 (Oct. 9, 2008) Hartford Financial Services aka The Hartford aka Hartford Insurance Update (NYSE: HIG): Hartford Financial, Insurance Groups In Hunt For Capital. The Hartford Will Fail Or Go Into Bankruptcy. (See Previous Cumulative Substantiating Operational And Financial Information).
  
• HEADLINE #1a-9 (Oct. 9, 2008) Hartford Financial Services aka The Hartford aka Hartford Insurance Update (NYSE: HIG): Insurance Downgraded Rating Possible For The Hartford. Hartford's stock prices on Wall Street over the past year have fallen from a 52-week high of $100 to it's recent Oct. 9 intraday of $22. The Hartford Will Fail Or File For Bankruptcy Protection. (See Previous Cumulative Substantiating Operational And Financial Information).
  
• HEADLINE #1a-8 (Oct. 9, 2008) Hartford Financial Services aka The Hartford aka Hartford Insurance Update (NYSE: HIG): Report Hartford Financial, MetLife Talked Merger. The Hartford Will Fail Or Go Into Bankruptcy. (See Previous Cumulative Substantiating Operational And Financial Information).
  
• HEADLINE #1a-7 (Oct. 8, 2008) Hartford Financial Services aka The Hartford aka Hartford Insurance Update (NYSE: HIG): Hartford Investors Skeptical Of Life Insurers' Rosy View. The Hartford Will Fail Or File For Bankruptcy Protection. (See Previous Cumulative Substantiating Operational And Financial Information).
  
• HEADLINE #1a-6 (Oct. 7, 2008) Hartford Financial Services aka The Hartford aka Hartford Insurance Update (NYSE: HIG): The Hartford to Bankruptcy - It Was Closer Than They Admitted. The Hartford Will Fail Or Go Into Bankruptcy. (See Previous Cumulative Substantiating Operational And Financial Information).
  
• HEADLINE #1a-5 (Oct. 7, 2008) Hartford Financial Services aka The Hartford aka Hartford Insurance Update (NYSE: HIG): The Hartford Replaces Chief Investment Officer. The Hartford Will Fail Or File For Bankruptcy Protection (See Previous Cumulative Substantiating Operational And Financial Information).
  
• HEADLINE #1a-4 (Oct. 7, 2008) Hartford Financial Services aka The Hartford aka Hartford Insurance Update (NYSE: HIG): S&P, A.M. Best Watching The Hartford's Ratings. The Hartford Will Fail Or Go Into Bankruptcy.
  
• HEADLINE #1a-3 (FBIC Notes Oct. 6, 2008 8:00 AM) Hartford Financial Services aka The Hartford aka Hartford Insurance Update (NYSE: HIG): Hartford Receives A $2.5B Cash Infusion From Allianz,  Cuts Dividend, Warns Of Losses. The $2.5B Is Perceived As A Drop In The Bucket, Too Little Too Late Cash Infusion For An Immediately Needed Temporary Fix To Exposure To Credit Default Swaps And The Company's Financial Hemorrhaging As Signs, Fears Indicate The Hartford Will Be Next To Fail? (also see Headline story below reported Oct. 2).
  
• HEADLINE #1a-2 (Oct. 4, 2008) Hartford Financial Services aka The Hartford aka Hartford Insurance Update (NYSE: HIG): The Hartford Takes A Beating On Wall Street. The Hartford Will Fail Or Go Into Bankruptcy.
  
• HEADLINE #1a-1 (FBIC Notes Oct. 2, 2008) Hartford Financial Services aka The Hartford aka Hartford Insurance (NYSE: HIG): Hartford Credit Swaps Widens to Record. The Hartford has quietly plunged in the past recent days due to deterioration of credit default swaps and other negative factors, as the Company's losses mount, liquidity tightens and investors fear the obvious that Hartford will be the next to fail.  Hartford's stock prices on Wall Street over the past year have fallen from a 52-week high of $100 to it's recent Oct. 2 low of $32, falling on Oct. 9 intraday to $22. In recent days the stock has been plunging as signs and speculation grows that Hartford will either go the same route as AIG (see AIG 1b Headline stories below), or worse yet, if Hartford's downward spiral continues, it will be forced to file bankruptcy and wipe out investors. The Hartford Will Fail And Either File For Bankruptcy Protection Or Become Insolvent. ( more bankruptcy )
  
  
• HEADLINE #1b - AIG Upfront (FBIC Reports September 2008 - Current) American International Group aka AIG Insurance (NYSE: AIG): Hard-nosed Super-connected Ed Liddy, Former CEO Of Allstate Insurance, Was Appointed CEO At AIG, By The U.S. Government September 21, 2008 ... AIG, Being The Recipient Of A Huge 'Too Big Too Fail' Government Bailout!  OH NO, The Selection Of Ed Liddy In This Case Will Also Bear Itself Out To Be An Enormous Mistake! FYI, Edward Liddy Was Former Allstate Insurance' President, CEO and/or Chairman from Jan. 1995 - retired April 2008 During Which Years Allstate Adversely And Negatively Impacted 'Millions of Americans' In Denying And Not Paying Claims, Significantly  Underpaying And Inclusively Not Paying Claims Properly And Promptly.
  
  Allstate has always been ranked and held one of the top 3 bad faith insurers positions, been proven to commit widespread fraudulent activities against policyholders and claimants, and to be one of the leading criminal enterprises (along with Hartford, State Farm and many others) in many cases since 1998 when such rankings were initiated by the FBIC organization. In the people's quest for candor and transparency in our American world of mostly non-transparency, Ed Liddy only knows the insurance industry's opaqueness better known as the "Wall of Silence and Secrecy". In FBIC's world of increased outrage, growing candor and effort for a change to transparency, and in FBIC's educated, experienced and knowledgeable estimation, the U.S. Government in appointing Ed Liddy to this position possibly unknowingly has made a huge mistake. In addition to that already cited herein, Edward Liddy has repeatedly been proven to be one who readily deceives, misrepresents, and makes false statements when he feels it necessary and/or when it suits his agenda as known from his former powerful position as CEO of Allstate insurance. As such, Ed Liddy must assume responsibility for the fraudulent and illegal goings-on during his tenure at the Allstate helm many and much of which are cited by FBIC and referenced by mainstream media throughout this website. Many other illegal goings-on and evidence have been and are held in strict confidence by FBIC since 1998.
  
  Knowing this, does this suggest that Ed Liddy is a compulsive liar and a person not to be trusted? Ed Liddy learned early on that in his former powerful position and tenure as CEO of Allstate and being among the very top of the leaders responsible for the secretive illegal goings on at Allstate and in the powerful insurance industry, that there is one way of doing business, "his way according to his law" aka "the Allstate way and the Allstate law", which include illegal and fraudulent activities committed repeatedly and "willingly" and which have been proven to have been/are widespread.
  
  He, along with many other top level bad faith insurers executives, repeatedly have been shown to couch, parse and be vague in his wording and misrepresentations which ultimately have proven to be false statements, untruths or not to be true. How can one person be so consistently wrong or does all of this make Edward Liddy a liar in FBIC's and the rest of Americans eyes or at this point maybe he no longer knows the difference between a true statement and a false statement? No entities lie or give the endless number of excuses like the insurance industry ... they wrote the book.  Edward Liddy to say the least is not the type of person Americans want running their taxpayer owned insurance Company.
   
  
• HEADLINE #1b - AIG On Direct Recall (FBIC Reports September 2008 - Current) American International Group aka AIG Insurance (NYSE: AIG): Edward Liddy Has Got To Go And Be Replaced With Someone Who Is Honest, Trustworthy And Forthright! (As Previously Cited By This FBIC Note In Reference To Edward Liddy's Being Appointed CEO of AIG Sept. 21, 2008 By The U.S. Government: OH NO! Edward Liddy was former Allstate Insurance' President, CEO and/or Chairman from Jan. 1995 - retirement in April 2008 during which years Allstate adversely and negatively impacted (screwed) 'millions of Americans' in denying and not paying legitimate claims, and/or not paying legitimate claims properly, promptly or as required by law. Allstate has consistently been ranked 1, 2 or 3 worst bad faith insurers by Americans and FBIC. The insurer Allstate is believed by those in the insurance-know and has proven to be greatly lacking in proper insurance ethics, credibility, honesty and truthfulness by claimants and many of Allstate's former staff and agents ... especially if not moreso during the controversial years that Edward Liddy was at the helm of Allstate as President, CEO and Chairman (1995-2008). [When asked off-the-record by an insurance industry expert in the know if FBIC thought Edward Liddy could be "The Devil", FBIC responded that we thought the following FBIC nominees could potentially earn what they probably considered to be that distinction:
  
  
  • Allstate President-CEO-Chmn. Edward Liddy (1995 - April 2008) *
    
  • The Hartford President-CEO-Chmn. Ramani Ayer (1991-Present) *
    
  • State Farm President-CEO-Chmn. Edward B. Rust Jr. (1987 - Present) *
    
  • SEC Chairman Christopher Cox (Aug. 3, 2005 - Jan. 20, 2009) ⁽¹⁾
  
  * Combined, these three men it is believed are responsible for the demise of upwards of maybe 10 million or more individuals (over the years they were/are still in power) and insured Americans who were 'illegally' denied on their legitimate claims to the benefit of these three notorious individuals' and their companies during their tenures in office.]
  ⁽¹⁾ FBIC proved in it's chronicles of NYS Attorney General Eliot Spitzer's and other state AG's investigations and enforcement activities which bore out the fact that there was much corruption, wrongdoing and fraudulent activity exposed in the insurance industry found in 2004 - 2006. FBIC's chronology of the investigations exposed that the SEC (and the SEC Commissioner Cox) did next to nothing and/or did not refer one of the many frauds exposed to the Justice Department for prosecution. FBIC blames that close to 100% of this is due to SEC Commissioner Cox's fault and laxity to take action against those that commit fraud and for his somehow considering that it would be bad for American Business?). Another reason for this is because when President Bush replaced SEC Chief Donaldson (who had done a much better job) with Christopher Cox, which at the time FBIC recalls President Bush in reference saying, "Hopefully, Christopher Cox will be able to keep his mouth shut". You can see it for yourself if you wish to review this two year expose of widespread fraud and corruption found in the insurance industry by clicking here (recommended reading only if/when you have substantial available time).
  
  FBIC is neither surprised or shocked by the appointment as there are none or few if any business people more politically connected to the Federal Government and the administration than Edward Liddy. The selection of Edward Liddy instead should have been someone that is beyond and above reproach and Edward Liddy certainly is not one of them. Edward Liddy Has Got To Go And Be Replaced With Someone Who Is Honest, Trustworthy And Forthright! This is a disaster waiting to happen. The Congress and The Public need to keep an extra very sharp vigilant eye on the goings-on at AIG with the enormous and loose taxpayers dollars funding AIG during Liddy's tenure. Watch and keep an eye on the following headlines here as they happen, question them and be the judge for yourself if Edward Liddy is who you want representing the U.S. and Taxpayers?
  
• HEADLINE #1b-102  American International Group aka AIG Update (NYSE: AIG real-time stock price): (June 22, 2009) AIG Trading Partners Squeeze Insurer Before Bailout.
  
• HEADLINE #1b-101  American International Group aka AIG Update (NYSE: AIG real-time stock price): (May 28, 2009) AIG Must Vet Finances Of Liddy Replacement, Says Rep. Cummings.
  
• HEADLINE #1b-100  American International Group aka AIG Update (NYSE: AIG real-time stock price): (May 22, 2009) AIG's Liddy Secures Three Bailouts, Seeks Successor Timeline.
  
• HEADLINE #1b-99  American International Group aka AIG Update (NYSE: AIG real-time stock price): (May 22, 2009) AIG CEO Liddy Leaves 'Terrible Job' for Successor to Complete.
  
• HEADLINE #1b-98  American International Group aka AIG Update (NYSE: AIG real-time stock price): (May 22, 2009) AIG's Liddy Says He'll Leave Post With Reputation 'Enhanced'.
  
• HEADLINE #1b-97  American International Group aka AIG Update (NYSE: AIG real-time stock price): (May 20, 2009) AIG Investors Finally Get Payback For Accounting Fraud.
  
• HEADLINE #1b-96  American International Group aka AIG Update (NYSE: AIG real-time stock price): (May 20, 2009) AIG Did 'Great Job' Rebranding in Japan "Masking It's Identity", Aflac Says.
  
• HEADLINE #1b-95  American International Group aka AIG Update (NYSE: AIG real-time stock price): (May 20, 2009) Liddy says AIG on track for 5-year payback.
  
• HEADLINE #1b-94  American International Group aka AIG Update (NYSE: AIG real-time stock price): (May 20, 2009) AIG Kanjorski Federal Regulation No Longer a Matter of 'If'.
  
• HEADLINE #1b-93  American International Group aka AIG Update (NYSE: AIG real-time stock price): (May 20, 2009) US Officials Knew Of AIG Bonuses Before Controversy - Report.
  
• HEADLINE #1b-92  American International Group aka AIG Update (NYSE: AIG real-time stock price): (May 19, 2009) AIG Names Six for Board as Trustees Assert Control.
  
• HEADLINE #1b-91  American International Group aka AIG Update (NYSE: AIG real-time stock price): (May 16, 2009) AIG Downgraded by Fitch on Prospect of Falling Sales.
  
• HEADLINE #1b-90  American International Group aka AIG Update (NYSE: AIG real-time stock price): (May 13, 2009) AIG's Trustees Shun 'Shadow Board,' Plan to Recruit Directors.
  
• HEADLINE #1b-89  American International Group aka AIG Update (NYSE: AIG real-time stock price): (May 11, 2009) AIG's $4.4 Billion Loss Is Smallest in 6 Quarters.
  
• HEADLINE #1b-88  American International Group aka AIG Update (NYSE: AIG real-time stock price): (May 8, 2009) AIG Loss Narrows, No New Bailout Plan.
  
• HEADLINE #1b-87  American International Group aka AIG Update (NYSE: AIG real-time stock price): (April 28, 2009) U.S. Said to Probe AIG's Cassano, Forster, Athan.
  
• HEADLINE #1b-86  American International Group aka AIG Update (NYSE: AIG real-time stock price): (April 28, 2009) AIG: We Know Of No Crime At AIGFP.
  
• HEADLINE #1b-85  American International Group aka AIG Update (NYSE: AIG real-time stock price): (April 28, 2009) LBO, Hedge Fund 'Anchor' Weighs Down AIG, Hartford.
  
• HEADLINE #1b-84  American International Group aka AIG Update (NYSE: AIG real-time stock price): (April 28, 2009) AIG Trustees Asked to Testify to Congress on Stake.
  
• HEADLINE #1b-83  American International Group aka AIG Update (NYSE: AIG real-time stock price): (April 27, 2009) Probe Sought Of AIG Civilian Injury War Base Claims Handling.
  
• HEADLINE #1b-82  American International Group aka AIG Update (NYSE: AIG real-time stock price): (April 20, 2009) AIG Completes Preferred Stock Sale To Government.
  
• HEADLINE #1b-81  American International Group aka AIG Update (NYSE: AIG real-time stock price): (April 20, 2009) US Deducts AIG Bonus Payments From Financial Aid ... Seems A Pretty Stupid Responsive Action Since The Government and US Taxpayers Own 80% of AIG And Are Therefore Depriving Supposed Required $$$ From Itself?
  
• HEADLINE #1b-80  American International Group aka AIG Update (NYSE: AIG real-time stock price): (April 20, 2009) AIG House Panel Wants Probe of AIG's Public Relations Contracts.
  
• HEADLINE #1b-79  American International Group aka AIG Update (NYSE: AIG real-time stock price): (April 20, 2009) TARP Auditing AIG’s Counterparty Payments.
  
• HEADLINE #1b-78  American International Group aka AIG Update (NYSE: AIG real-time stock price): (April 20, 2009) Liddy Should Sell $3 Million Goldman Sachs Stake, Lawmakers Say ... As FBIC has called it right from the beginning based upon overwhelming hard evidence collected over the past years, and on behalf of the American People and U.S. Taxpayers, FBIC requests, supports and welcomes a 'deep and thorough' investigative effort by The FBI And Federal Authorities into the behind-the-scenes actions and legality/illegality nature of the activities by Edward Liddy in his '$1 per year' (not counting stock bonuses now heard to be expected to be paid in 2010) position as Chairman & CEO of AIG. Taxpayers and the American People may/will financially support an 'honest' American System at their expense but have more than reached the point of patience where they are angered, frustrated and tired of being suckers by those that are in powerful and privileged positions that do things against the best interests of our country solely for their own personal gains! At very minimum, have any of these supposedly bright and talented, powerful/privileged positioned and "reportedly patriotic" business executives heard of the simplistic word "RECUSE" when making decisions that involve their own conflicts of interest??????? Already knowing where many of the frauds-bodies are buried, We ask the American people and the U.S. Government to appropriate to it 'subpoena power' and the authority to investigate such questionable activities against the American People by (bad faith) insurers and financial services companies executives ... and FBIC will do it for $ nothing (zero dollars).
  
• HEADLINE #1b-77  American International Group aka AIG Update (NYSE: AIG real-time stock price): (April 16, 2009) AIG Sells Auto Unit to Zurich in Biggest Deal Since Bailout.
  
• HEADLINE #1b-76  American International Group aka AIG Update (NYSE: AIG real-time stock price): (April 7, 2009) US Lawsuit Accuses AIG Of Inflating Bonuses.
  
• HEADLINE #1b-75  American International Group aka AIG Update (NYSE: AIG real-time stock price): (April 2, 2009) Investors Seek Ouster Of AIG Compensation Chief.
  
• HEADLINE #1b-74  American International Group aka AIG Update (NYSE: AIG real-time stock price): (April 1, 2009) AIG Workers’ Compensation Probed by 50 State Regulators.
  
• HEADLINE #1b-73  American International Group aka AIG Update (NYSE: AIG real-time stock price): (April 1, 2009) GAO Urges Treasury to Require Concessions From AIG Stakeholders.
  
• HEADLINE #1b-72  American International Group aka AIG Update (NYSE: AIG real-time stock price): (April 1, 2009) AIG Monitor Was Witness to Meltdown, House Investigators Say.
  
• HEADLINE #1b-71  American International Group aka AIG Update (NYSE: AIG real-time stock price): (March 30, 2009) Members of Congress Want AIG Collateral Payments Investigated.
  
• HEADLINE #1b-70  American International Group aka AIG Update (NYSE: AIG real-time stock price): (March 30, 2009) Dems Question AIG Transactions.
  
• HEADLINE #1b-69  American International Group aka AIG Update (NYSE: AIG real-time stock price): (March 28, 2009) 7 Big Banks Seek Monopoly Receiving Payments From AIG On Derivatives.
  
• HEADLINE #1b-68  American International Group aka AIG Update (NYSE: AIG real-time stock price): (March 27, 2009) Blumenthal Urges Stop to $230 Million in 2010 AIG Bonuses.
  
• HEADLINE #1b-67  American International Group aka AIG Update (NYSE: AIG real-time stock price): (March 27, 2009) Cuomo Expands AIG Bonus Probe With Subpoena of Data on Swaps.
  
• HEADLINE #1b-66  American International Group aka AIG Update (NYSE: AIG real-time stock price): (March 26, 2009) Cuomo Subpoenas AIG Swap Data in Taxpayer Fund Probe.
  
• HEADLINE #1b-65  American International Group aka AIG Update (NYSE: AIG real-time stock price): (March 26, 2009) AIG Payments to Banks Should Be Probed, Lawmakers Say.
  
• HEADLINE #1b-64  American International Group aka AIG Update (NYSE: AIG real-time stock price): (March 25, 2009) Bernanke Legal Excuse For AIG Bonuses Challenged By CT State AG Blumenthal.
  
• HEADLINE #1b-63  American International Group aka AIG Update (NYSE: AIG real-time stock price): (March 20, 2009) The Real Scandal At AIG Is Not The Bonuses ... It's The Payments To Counterparties.
  
• HEADLINE #1b-62  American International Group aka AIG Update (NYSE: AIG real-time stock price): (March 18, 2009) Treasury Will Make Grab to Recoup Bonus Funds.
  
• HEADLINE #1b-61  American International Group aka AIG Update (NYSE: AIG real-time stock price): (March 18, 2009) The Real AIG Outrage.
  
• HEADLINE #1b-60  American International Group aka AIG Update (NYSE: AIG real-time stock price): (March 18, 2009) Senators Asks TARP To Probe AIG Use Of Bailout Cash.
  
• HEADLINE #1b-59  American International Group aka AIG Update (NYSE: AIG real-time stock price): (March 16, 2009) AIG Faces Growing Wrath Over Payouts.
  
• HEADLINE #1b-58  American International Group aka AIG Update (NYSE: AIG real-time stock price): (March 7, 2009) Who Got AIG's Bailout Billions?
  
• HEADLINE #1b-57  American International Group aka AIG Update (NYSE: AIG real-time stock price): (March 6, 2009) Senators Demand Details, Officials Admit Regulatory Gaps on AIG.
  
• HEADLINE #1b-56  American International Group aka AIG Update (NYSE: AIG real-time stock price): (March 6, 2009) U. S. Federal Reserve Won't Name Firms Helped By AIG Bailout.
  
• HEADLINE #1b-55  American International Group aka AIG Update (NYSE: AIG real-time stock price): (March 2, 2009) AIG to Get Up to $30 Billion More in New Bailout After Loss.
  
• HEADLINE #1b-54  American International Group aka AIG Update (NYSE: AIG real-time stock price): (March 1, 2009) U.S. Revamps Bailout of AIG ... Gets $30 Billion More From TARP Funds.
  
• HEADLINE #1b-53  American International Group aka AIG Update (NYSE: AIG real-time stock price): (Feb. 24, 2009) AIG Reportedly Facing $60 Billion Loss; In Talks For More Government Aid.
  
• HEADLINE #1b-52  American International Group aka AIG Update (NYSE: AIG real-time stock price): (Feb. 24, 2009) AIG Seeks More US Funds As Record Loss Looms. As FBIC Hears, Is AIG Preparing For Bankruptcy?
  
• HEADLINE #1b-51  American International Group aka AIG Update (NYSE: AIG real-time stock price): (Feb. 24, 2009) AIG Seeks Yet More Cash As Record Loss Looms. FBIC Hears, Is AIG Is Preparing For Bankruptcy?
  
• HEADLINE #1b-50  American International Group aka AIG Update (NYSE: AIG real-time stock price): (Feb. 18, 2009) Fraud Officers To Meet US Officials Over AIG Inquiry.
  
• HEADLINE #1b-49  American International Group aka AIG Update (NYSE: AIG real-time stock price): (Feb. 12, 2009) AIG Financial Products Unit Probed by U.K. Prosecutor.
  
• HEADLINE #1b-48  American International Group aka AIG Update (NYSE: AIG real-time stock price): (Feb. 6, 2009) TARP Program Overseer Says U.S. Losing Big On AIG Investment.
  
• HEADLINE #1b-47  American International Group aka AIG Update (NYSE: AIG real-time stock price): (Feb. 5, 2009) AIG Falls Below $1, Losing Half of Value Since Rescue.
  
• HEADLINE #1b-46  American International Group aka AIG Update (NYSE: AIG real-time stock price): (Feb. 3, 2009) AIG Shares Fall On Fears More Government Cash Needed.
  
• HEADLINE #1b-45  American International Group aka AIG Update (NYSE: AIG real-time stock price): (Jan. 28, 2009) AIG Said to Offer $1 Billion in Retention to Workers.
  
• HEADLINE #1b-44  American International Group aka AIG Update (NYSE: AIG real-time stock price): (Jan. 27, 2009) AIG Said to Pay $450 Million to Retain Swaps Staff.
  
• HEADLINE #1b-43  American International Group aka AIG Update (NYSE: AIG real-time stock price): (Jan. 19, 2009) New York Fed Selects Trustees For AIG Stake.
  
• HEADLINE #1b-42  American International Group aka AIG Update (NYSE: AIG real-time stock price): (Jan. 15, 2009) AIG Discloses $150 Million More in Retention Pay.
  
• HEADLINE #1b-41  American International Group aka AIG Update (NYSE: AIG real-time stock price): (Jan. 15, 2009) Congressmen Demand Fed, Treasury to Detail AIG Oversight.
  
• HEADLINE #1b-40  American International Group aka AIG Update (NYSE: AIG real-time stock price): (Dec. 23, 2008) AIG’s Hartford Boiler Sale Shows Repaying U.S. Loan Not Guaranteed.
  
• HEADLINE #1b-39 (Dec. 23, 2008) American International Group aka AIG Update (NYSE: AIG): AIG’s Liddy Says 70% Of Company Must Be Sold To Pay Fed Loan.
  
• HEADLINE #1b-38 (Dec. 23, 2008) American International Group aka AIG Update (NYSE: AIG): Greenberg Says AIG Chief Liddy Not Equipped to Run Firm.
  
• HEADLINE #1b-37 (Dec. 22, 2008) American International Group aka AIG Update (NYSE: AIG): AIG Selling Hartford Steam Boiler To Munich Re At $458M Loss.
  
• HEADLINE #1b-36 (Dec. 17, 2008) American International Group aka AIG Update (NYSE: AIG): AIG Write-downs May Rise $30 Billion on Swaps Not in U.S. Rescue.
  
• HEADLINE #1b-35 (Dec. 15, 2008) American International Group aka AIG Update (NYSE: AIG): AIG Sells Mortgage-Backed Securities to Fed Vehicle, Shuts Down Securities Lending Program.
  
• HEADLINE #1b-34 (Dec. 13, 2008) American International Group aka AIG Update (NYSE: AIG): AIG Gives 2,000 Employees Retention Payments, With Liddy's Knowledge Tells Them to Keep It Secret.
  
• HEADLINE #1b-33 (Dec. 11, 2008) American International Group aka AIG Update (NYSE: AIG): Insiders Say AIG Slashing Prices to Win Business in Moves That May Burn Rivals, Taxpayers.
  
• HEADLINE #1b-32 (Dec. 10, 2008) American International Group aka AIG Update (NYSE: AIG): AIG: Wall Street Journal Wrong on Report on $10 Billion Portfolio.
  
• HEADLINE #1b-31 (Dec. 10, 2008) American International Group aka AIG Update (NYSE: AIG): NAIC Discusses AIG’s Securities Lending (Note: In A Down Market Numerous Other Insurers Specifically Life Insurers As Cited Herein Experience And Have This Same Negative Exposure).
  
• HEADLINE #1b-30 (Dec. 10, 2008) American International Group aka AIG Update (NYSE: AIG): AIG Is Said to Pay $18.7 Billion to Goldman, SocGen for Swaps.
  
• HEADLINE #1b-29 (Dec. 10, 2008) American International Group aka AIG Update (NYSE: AIG): AIG Working To Settle $10b Of Investment Losses.
  
• HEADLINE #1b-28 (Dec. 8, 2008) American International Group aka AIG Update (NYSE: AIG): AIG Says More Will Get Retention Pay, Top Award of $4 Million Apiece.
  
• HEADLINE #1b-27 (Dec. 4, 2008) American International Group aka AIG Update (NYSE: AIG): AIG May Double Some Salaries With Retention Payments.
  
• HEADLINE #1b-26 (Dec. 3, 2008) American International Group aka AIG Update (NYSE: AIG): AIG in Deal with U.S. Government to Terminate Some Debt Obligations.
  
• HEADLINE #1b-25 (Dec. 3, 2008) American International Group aka AIG Update (NYSE: AIG): Greenberg Has Questions For Liddy.
  
• HEADLINE #1b-24 (Dec. 3, 2008) American International Group aka AIG Update (NYSE: AIG): Rep. Conyers Demands AIG Data On Retention Bonuses.
  
• HEADLINE #1b-23 (Nov. 26, 2008) American International Group aka AIG Update (NYSE: AIG): Treasury AIG Receives Capital Injection Of $40B.
  
• HEADLINE #1b-22 (Nov. 26, 2008) American International Group aka AIG Update (NYSE: AIG): AIG Uses Sale of Stock to US Treasury to Lower Loan Amount.
  
• HEADLINE #1b-21 (Nov. 26, 2008) American International Group aka AIG Update (NYSE: AIG): U.S. Is Said to Probe AIG’s Cassano for Possible Misstatements.
  
• HEADLINE #1b-20 (Nov. 24, 2008) American International Group aka AIG Update (NYSE: AIG): Competitors Question AIG Moves.
  
• HEADLINE #1b-19 (FBIC Reports Nov. 20, 2008) American International Group aka AIG Update (NYSE: AIG):  52 week high: $ 64.19; AIG Shares Fell Today To $1.44, A Change -$0.12 or Down -7.69%.
• HEADLINE #1b-18 (FBIC Reports Nov. 19, 2008) American International Group aka AIG Update (NYSE: AIG):  52 week high: $ 64.19; AIG Shares Fell Today To $1.56, A Change -$0.39 or Down -20%.
• HEADLINE #1b-17 (FBIC Reports Nov. 17, 2008) American International Group aka AIG Update (NYSE: AIG): 52 week high: $ 64.19; AIG Shares Fell Today To $1.91, A Change -$0.17 or Down -8.17%.
• HEADLINE #1b-16 (Nov. 6, 2008) American International Group aka AIG Update (NYSE: AIG): Meltdown 101 Why Did the AIG Bailout Get Bigger.
  
• HEADLINE #1b-15 (Nov. 10, 2008) American International Group aka AIG Update (NYSE: AIG): AIG Gets Expanded Bailout, Posts $24.5 Billion Loss.
  
• HEADLINE #1b-14 (Nov. 10, 2008) American International Group aka AIG Update (NYSE: AIG):  AIG To Get $150 Billion Bailout Reports.
  
• HEADLINE #1b-13 (Nov. 10, 2008) American International Group aka AIG Update (NYSE: AIG):  AIG May Get Expanded Government Funds of $150 Billion.
  
• HEADLINE #1b-12 (Nov. 9, 2008) American International Group aka AIG Update (NYSE: AIG):  AIG May Get More in Bailout.
  
• HEADLINE #1b-11 (Nov. 6, 2008) American International Group aka AIG Update (NYSE: AIG):  AIG Sales May Not Repay U.S. Loan, Forcing New Deal.  (As called by FBIC On Oct. 23.).
  
• HEADLINE #1b-10 (Oct. 31, 2008) American International Group aka AIG Update (NYSE: AIG):  US Senator Calls On AIG To Explain Use Of Bailout Funds. (FBIC Note: Senator Charles Grassley Here Is 100% Correct And Right On The Money To Say The Least ... You Are Watching A Disaster In The Making If Anything Only Made Worse By The Selection Of CEO, Edward Liddy ... see AIG Headline Note #1b-2).
  
• HEADLINE #1b-9 (Oct. 31, 2008) American International Group aka AIG Update (NYSE: AIG):  AIG's Fed Bailout 'Total' Reaches $143.8 Billion.
• HEADLINE #1b-8 (FBIC Reports Oct. 30, 2008) American International Group aka AIG Update (NYSE: AIG):  AIG Cuts Debt to $83.5 Billion Using Commercial Paper. ("it's like using one credit card to pay off another" ... but how much is the total between the loan and the commercial paper amount?).
  
• HEADLINE #1b-7 (FBIC Reports Oct. 27, 2008) American International Group aka AIG Update (NYSE: AIG): 52 week high: $ 64.19; AIG Shares Fell Today To $1.35, A Change -$0.35 or Down -20.59%.
• HEADLINE #1b-6 (FBIC Exclusive Reports Oct. 23, 2008) American International Group aka AIG Update (NYSE: AIG): ($85B + $38B =) $123B Loan Bailout. FBIC has heard that more than $90B of the $123B provided AIG by the Fed has and continues to be drawn down and sources indicate that AIG will have to go back to the Fed shortly for more $$$.
• HEADLINE #1b-5 (Oct. 9, 2008) American International Group aka AIG Update (NYSE: AIG):  AIG Taps $70 Billion ... Federal Reserve Report Shows AIG insurance giant uses $9 billion more of $85 billion government loan. (FBIC notes: see Oct 6 Headline below for FBIC's Exclusive Report indicating that this Headline event was imminent)
  
• HEADLINE #1b-4 (FBIC Notes Oct. 8, 2008 4:43 PM) American International Group aka AIG Update (NYSE: AIG):   Fed Lends An Additional $38 Billion To Troubled AIG ... To Provide Needed Liquidity, Counter Exposure To Credit Default Swaps And Other Negative Instruments Causing Financial Hemorrhaging. (see Headline below two days previous for FBIC's Oct. 6 exclusive report indicating AIG's status and that this Headline event was imminent)
  
• HEADLINE #1b-3 (FBIC Exclusive Reports Oct. 6, 2008) American International Group aka AIG Update (NYSE: AIG):  $85B Loan Bailout. FBIC has heard from an unidentified source that AIG has already borrowed and drawn down more than two-thirds of the $85B loan previously granted to it by the Federal Reserve on Sept. 16, 2008, that AIG's liquidity is exposed to credit default swaps and other negative financial instruments,  is still underwater, and the Company has become further marginalized and in jeopardy.
  
• HEADLINE #1b-2 (Sept. 21, 2008, FBIC Noted Nov. 10, 2008) American International Group aka AIG Update (NYSE: AIG):   Hard-nosed Super-connected Ed Liddy Is Appointed CEO At AIG By Government. OH NO! (FBIC Note: Edward Liddy Is Allstate Insurance' Former President, CEO and/or Chairman Jan. 1995 - retirement April 2008. Allstate has consistently been ranked 1, 2 or 3 worst bad faith insurers. The insurer Allstate is believed by those in the insurance-know and has proven to be greatly lacking in proper insurance ethics, credibility, honesty and truthfulness by claimants and many of Allstate's former staff and agents ... especially if not moreso during the controversial years that Edward Liddy was at the helm of Allstate as President and moreso as CEO. FBIC is neither surprised or shocked by the appointment as there are none or few if any business people more politically connected to the government and the administration than Edward Liddy. The selection of Edward Liddy instead should have been someone that is beyond and above reproach and Edward Liddy certainly is not one of them. This is another disaster waiting to happen. The Congress and The Public need to keep an extra very sharp eye on the goings-on at AIG with the enormous and loose taxpayers dollars funding AIG during Liddy's tenure).
  
• HEADLINE #1b-1 (Sept. 16, 2008)American International Group aka AIG Update (NYSE: AIG):  Federal Reserve Rescues AIG With $85 Billion Loan. (more)
  
  
• (HEADLINE #1c - Metlife On Direct Recall): (FBIC Reports On The Biggest Insurance Companies Frauds Employing Illegal Bad Faith Insurance Practices Ever Perpetrated In Modern Times By Life Insurance Companies Against Their Own Customers And Policyholders. Such Life Insurance Bad Faith Practices Were Exposed In The Mid-1990s Stemming From Fraudulent Activities By Life Insurers Which Practices Allegedly Began In The Mid 1980s - Mid 1990s And That Impacted Upwards of 50 Million Life Insurance 'Policyholder-Victims' (not a typo) Led By Metlife (10.7 million policyholder-victims), Prudential (11.5 million policyholder-victims), John Hancock, New York Life, Hartford Life, And A Host Of Other Insurers ... And Which Life Insurance Experts Confirm That Many Of These Same Fraudulent Practices Are Still Commonly Practiced Today).
  
  Metropolitan Life aka Metlife Insurance (NYSE: MET): For those of you that don't know or don't remember what pervasive bad faith life insurance practices commonly occurred in the 1980s - mid 1990s when the life insurance and annuities industry, including upwards of some 30 life insurance and annuities companies led by Metlife, Prudential, Hartford Life, and other named life insurance companies were accused and exposed for bad faith insurance practices against their own customers in the largest expose ever to hit the life insurance industry up to that point ... and FBIC may be the only source to have it in it's archives. Specific to Metlife, in August 1999, The Metropolitan Life Insurance Company (Metlife), the nation's second-largest life insurer at the time, agreed to pay $1.7 billion dollars to settle lawsuits and claims accusing the company of cheating an estimated 10.7 million policies sold to 9 million of their own policyholders and potential fraud victim customers through deceptive sales practices during the years 1982-1995. Involved in a class action suit(s), it was determined that potential fraud victims/policyholders which existed from the sale of such life insurance policies and annuities, it was estimated and determined that less than 10% of those victimized would actually be made whole by this class action suit. Assuming another 5% "opted out" or chose not to participate in the class, this left approximately 85% from Metropolitan life insurance policies that were hanging onto policies that were of no value and would never benefit anyone. The states Departments of Insurance hid behind the insurance industry wall of silence and were nowhere to be found to help policyholders and victims ......... more
  
• HEADLINE #1c-37 Metlife Insurance Update (NYSE: MET real-time stock price): (June 3, 2009) MetLife Leads Busiest Day of Bond Sales Since March.
  
• HEADLINE #1c-36 Metlife Insurance Update (NYSE: MET real-time stock price): (May 28, 2009) Variable Annuity Sales Fall 27% as MetLife Takes Lead.
  
• HEADLINE #1c-35 Metlife Insurance Update (NYSE: MET real-time stock price): (May 27, 2009) MetLife to Sell $1.25 Billion of Seven-Year Notes.
  
• HEADLINE #1c-34 Metlife Insurance Update (NYSE: MET real-time stock price): (May 8, 2009) MetLife posts 1Q loss.
  
• HEADLINE #1c-33 Metlife Insurance Update (NYSE: MET real-time stock price): (May 7, 2009) MetLife Losses on Corporate Debt Rise to $15 Billion.
  
• HEADLINE #1c-32 Metlife Insurance Update (NYSE: MET real-time stock price): (April 30, 2009) MetLife Swings To 1Q Loss On Investment Woes.
  
• HEADLINE #1c-31 Metlife Insurance Update (NYSE: MET real-time stock price): (April 13, 2009) MetLife Says It Will Not Seek Treasury Funds ... Declines Capital Assistance Injection From CPP, TARP.
  
• HEADLINE #1c-30 Metlife Insurance Update (NYSE: MET real-time stock price): (March 25, 2009) As U.S. Life Industry's Market Cap Tanks, Access to Cash Gets Tougher.
  
• HEADLINE #1c-29 Metlife Insurance Update (NYSE: MET real-time stock price): (March 3, 2009) MetLife Sinks as U.S. Stock Rout Raises Capital Need.
  
• HEADLINE #1c-28 Metlife Insurance Update (NYSE: MET real-time stock price): (March 2, 2009) MetLife Unrealized Losses on Corporate Debt Jump to $14 Billion.
  
• HEADLINE #1c-27 Metlife Insurance Update (NYSE: MET real-time stock price): (Feb. 27, 2009) Prudential to Weather Recession Better Than MetLife.
  
• HEADLINE #1c-26 Metlife Insurance Update (NYSE: MET real-time stock price): (Feb. 27, 2009) S&P Cuts 10 Life Insurers On Higher Loss Assumptions, Includes Metlife.
  
• HEADLINE #1c-25 Metlife Insurance Update (NYSE: MET real-time stock price): (Feb. 10, 2009) Life Insurance Stocks Fall On Rating Worries.
  
• HEADLINE #1c-24 Metlife Insurance Update (NYSE: MET real-time stock price): (Feb. 3, 2009) MetLife Net Falls 12% on Losses From Hedge Funds, Real Estate.
  
• HEADLINE #1c-23 Metlife Insurance Update (NYSE: MET real-time stock price): (Feb. 3, 2009) MetLife Posts 12 Pct Drop in 4th Quarter Profit.
  
• HEADLINE #1c-22 Metlife Insurance Update (NYSE: MET real-time stock price): (Dec. 22, 2008) Life Insurers Plunge as Commercial Mortgage Defaults Loom.
  
• HEADLINE #1c-21 (Dec. 8, 2008) Metlife Insurance Update (NYSE: MET): MetLife To Post Profit In Fourth Quarter.
  
• HEADLINE #1c-20 (Dec. 8, 2008) Metlife Insurance Update (NYSE: MET): MetLife Says Strongly Capitalized, Poised To Grow.
  
• HEADLINE #1c-19 (Dec. 8, 2008) Metlife Insurance Update (NYSE: MET): MET MetLife CFO Says Variable Annuity Exposures Managed Well.
  
• HEADLINE #1c-18 (Dec. 8, 2008) Metlife Insurance Update (NYSE: MET): MetLife Sees 2009 Profit Missing Analysts’ Estimates.
  
• HEADLINE #1c-17 (FBIC Reports Nov. 24, 2008) Metlife Insurance Update (NYSE: MET): Top 10 Variable Annuity Providers List - Variable Annuities Are Reported To Be A Major Liability And Negative Cash Flow Burner For Insurers. Note: Metlife is ranked the #1 largest annuity insurer, although relatively close in annuity sales to #2 Prudential and #3 The Hartford, and reportedly one of the sources causing significant negative cash flow. more annuities stats
• HEADLINE #1c-16 (FBIC Reports Nov. 20, 2008) Metlife Insurance Update (NYSE: MET): 52 week high: $ 70.08; MetLife Inc. Shares Fell Today To: $16.48 Change: -$2.52 Down: -13.26%.
  
• HEADLINE #1c-15 (Nov. 20, 2008) Metlife Insurance Update (NYSE: MET): Commercial Mortgage Securities Batters Metlife.
  
• HEADLINE #1c-14 (FBIC Reports Nov. 19, 2008) Metlife Insurance Update (NYSE: MET): 52 week high: $ 70.08; MetLife Inc. Shares Fell Today To: $19 Change: -$1.72 Down: -8.3%.
  
• HEADLINE #1c-13 (FBIC Reports Nov. 18, 2008) Metlife Insurance Update (NYSE: MET): 52 week high: $ 70.08; MetLife Inc. Shares Fell Today To: $20.72 Change: -$1.51 Down: -6.79%.
  
• HEADLINE #1c-12 (FBIC Reports Nov. 17, 2008) Metlife Insurance Update (NYSE: MET): 52 week high: $ 70.08; MetLife Inc. Shares Fell Today To: $22.23 Change: -$5.91 Down: -21%.
  
• HEADLINE #1c-11 (Nov. 14, 2008) Metlife Insurance Update (NYSE: MET): "Insurers Mull S&L Status ... Companies that own a savings and loan and thus are already regulated by the OTS include MetLife Inc., the biggest U.S. life insurer; No. 2 Prudential Financial Inc.; Allstate Corp.; Principal Financial Group Inc. and Nationwide Corp. Those that aren't include Hartford Financial Services Group Inc., Lincoln National Corp. and Genworth Financial Inc.
• HEADLINE #1c-10 (Nov. 11, 2008) Metlife Insurance Update (NYSE: MET): MetLife Shares On The Move, Down.
  
• HEADLINE #1c-9 (FBIC Exclusive Reports Nov. 7, 2008) Metlife Insurance Update (NYSE: MET): MetLife 'Unrealized Losses' Widen On Mortgage-Backed Corporate Securities.
  
• HEADLINE #1c-8 (Oct. 30, 2008) Metlife Insurance Update (NYSE: MET): MetLife Posts Lower 3rd-Qtr Operating Profit.
  
• HEADLINE #1c-7 (FBIC Reports Oct. 27, 2008) Metlife Insurance Update (NYSE: MET): 52 week high: $ 70.08; MetLife Inc. Shares Fell Today To: $26.18 Change: -$3.62  Down: -12.15%.
  
• HEADLINE #1c-6 (Oct. 20, 2008) Metlife Insurance Update (NYSE: MET): MetLife Shares Fall On Write-down Fears.
  
• HEADLINE #1c-5 (Oct. 10, 2008) Metlife Insurance Update (NYSE: MET): Metlife Default Swaps Trade Upfront.
  
• HEADLINE #1c-4 (Oct. 9, 2008) Metlife Insurance Update (NYSE: MET): Metlife, Insurance Groups In Hunt For Capital.
  
• HEADLINE #1c-3 (Oct. 9, 2008) Metlife Insurance Update Report (NYSE: MET): MetLife, Hartford Financial Talked Merger.
  
• HEADLINE #1c-2 (Oct. 8, 2008) Metlife Insurance Update (NYSE: MET): MetLife - Death By Hedge Funds.
  
• HEADLINE #1c-1 (FBIC Notes Oct. 8, 2008) Metlife Insurance (NYSE: MET): MetLife Plans Stock Sale As Quarterly Profit Declines. Company is exposed to negative credit default swaps. Note that Metlife downplays, evades or makes no mention to it's negative exposure to credit default swaps as FBIC exclusively exposed and referenced earlier. Should events continue as they are, Metlife May Very Likely Fail. ( Oct. 2,  bankruptcy ).
  
  
• (HEADLINE #1d - Prudential On Direct Recall): (FBIC Reports On The Biggest Insurance Companies Frauds Employing Illegal Bad Faith Insurance Practices Ever Perpetrated In Modern Times By Life Insurance Companies Against Their Own Customers And Policyholders. Such Life Insurance Bad Faith Practices Were Exposed In The Mid-1990s Stemming From Fraudulent Activities By Life Insurers Which Practices Allegedly Began In The Mid 1980s - Mid 1990s And That Effected Upwards of 50 Million Life Insurance 'Policyholder-Victims' (not a typo) Lead By Metlife (10.7 million policyholder-victims), Prudential (11.5 million policyholder-victims), John Hancock, New York Life, Hartford Life, And A Host Of Other Insurers ... And Which Many Life Insurance Experts Agree And Allege That Many Of These Same Fraudulent Practices Are Still Commonly Practiced Today).
  
  Prudential Financial Inc. aka Prudential Insurance (NYSE: PRU): For those of you that don't know or don't remember what pervasive bad faith life insurance practices commonly occurred in the 1980s - mid 1990s when the life insurance and annuities industry, including upwards of some 30 life insurance and annuities companies led by Metlife, Prudential, Hartford Life, and other named life insurance companies, were accused and exposed for bad faith insurance practices against their own customers in the largest expose ever to hit the life insurance industry in modern times and up to that point ... and FBIC may be the only source to have it in it's archives. Specific to Prudential, in 1996, involving a class action suit against Prudential, it was determined the nation's largest life insurer (Prudential), that '11.5 million' potential fraud victims/policyholders existed from the sale of Prudential life insurance policies and annuities involving that company alone. It was expected that Prudential would have to pay out over $2.8 billion to settle class-action suits for bad faith activities that occurred during the years 1983-1991. It was estimated that less than 10% of those victimized would actually be made whole by this class suit. Assuming another 5% would "opt out" or choose not to participate in the class, this left approximately some 9 million people just from Prudential life insurance policies that were hanging onto policies that were of no value and would never benefit anyone. The states Departments of Insurance hid behind the insurance industry wall of silence and were nowhere to be found to help policyholders and victims.  more
  
• HEADLINE #1d-44 Prudential Insurance Update (NYSE: PRU real-time stock price): (June 1, 2009) Prudential Declines TARP, To Offer $1.25 Billion In Stock.
  
• HEADLINE #1d-43 Prudential Insurance Update (NYSE: PRU real-time stock price): (May 5, 2009) Is It Safe? Prudential's Billions in Mortgages.
  
• HEADLINE #1d-42 Prudential Insurance Update (NYSE: PRU real-time stock price): (May 15, 2009) Treasury Clears Prudential Financial Inc., Six Insurers for U.S. TARP Bailout Funds.
  
• HEADLINE #1d-41 Prudential Insurance Update (NYSE: PRU real-time stock price): (May 14, 2009) Prudential Sales Fall 5% as Asian Economies Slows.
  
• HEADLINE #1d-40 Prudential Insurance Update (NYSE: PRU real-time stock price): (May 9, 2009) Prudential Unrealized Loss Climbs 36% on Financial Firms’ Debt.
  
• HEADLINE #1d-39 Prudential Insurance Update (NYSE: PRU real-time stock price): (May 9, 2009) Prudential Sued by Debt Holders Over Subprime Loss Disclosure.
  
• HEADLINE #1d-38 Prudential Insurance Update (NYSE: PRU real-time stock price): (May 7, 2009) Prudential Leads Life Insurers Higher After Beating Estimates.
  
• HEADLINE #1d-37 Prudential Insurance Update (NYSE: PRU real-time stock price): (May 6, 2009) Prudential's Profit Declines Amid Investment Losses.
  
• HEADLINE #1d-36 Prudential Insurance Update (NYSE: PRU real-time stock price): (April 30, 2009) Prudential Cut At Morgan Stanley, Cash Flow Issues Cited.
  
• HEADLINE #1d-35 Prudential Insurance Update (NYSE: PRU real-time stock price): (March 25, 2009) As U.S. Life Industry's Market Cap Tanks, Access to Cash Gets Tougher.
  
• HEADLINE #1d-34 Prudential Insurance Update (NYSE: PRU real-time stock price): (March 22, 2009) Prudential CEO’s 2008 Compensation Was $14 Million.
  
• HEADLINE #1d-33 Prudential Insurance Update (NYSE: PRU real-time stock price): (March 22, 2009) Prudential Posts Loss For 2008, CEO Steps Down.
  
• HEADLINE #1d-32 Prudential Insurance Update (NYSE: PRU real-time stock price): (March 19, 2009) Prudential Shares Plunge After Moody’s Downgrade.
  
• HEADLINE #1d-31 Prudential Insurance Update (NYSE: PRU real-time stock price): (March 18, 2009) Variable Annuity Assets Fall 13% to $1.1 Trillion (Update2).
  
• HEADLINE #1d-30 Prudential Insurance Update (NYSE: PRU real-time stock price): (March 13, 2009) Variable Annuity Questions Answered.
  
• HEADLINE #1d-29 Prudential Insurance Update (NYSE: PRU real-time stock price): (Feb. 27, 2009) Prudential to Weather Recession Better Than MetLife.
  
• HEADLINE #1d-28 Prudential Insurance Update (NYSE: PRU real-time stock price): (Feb. 20, 2009) Prudential Plc Boosts Capital by Shedding Taiwan Unit.
  
• HEADLINE #1d-27 Prudential Insurance Update (NYSE: PRU real-time stock price): (Feb. 19, 2009) Prudential Disqualified From Commercial Paper.
  
• HEADLINE #1d-26 Prudential Insurance Update (NYSE: PRU real-time stock price): (Feb. 17, 2009) Prudential Reduced By S&P After Two Straight Losses.
  
• HEADLINE #1d-25 Prudential Insurance Update (NYSE: PRU real-time stock price): (Feb. 4, 2009) Prudential Posts Record Loss as Investments Decline.
  
• HEADLINE #1d-24 Prudential Insurance Update (NYSE: PRU real-time stock price): (Dec. 22, 2008) Life Insurers Plunge as Commercial Mortgage Defaults Loom.
  
• HEADLINE #1d-23 (Dec. 19, 2008) Prudential Insurance Update (NYSE: PRU): JP Morgan Downgrades, Cuts Profit Estimates On Prudential.
  
• HEADLINE #1d-22 (Dec. 10, 2008) Prudential Insurance Update (NYSE: PRU): A.M. Best Affirms Ratings of Prudential Financial and Its Subsidiaries; Revises Issuer Credit Rating and Debt Outlooks to Stable.
  
• HEADLINE #1d-21 (Dec. 4, 2008) Prudential Insurance Update (NYSE: PRU): Prudential Plans Sale of Stake in Wachovia Securities, Seeks To Raise Cash From TARP.
  
• HEADLINE #1d-20 (FBIC Reports Nov. 24, 2008) Prudential Insurance Update (NYSE: PRU): Top 10 Variable Annuity Providers List - Variable Annuities Are Reported To Be A Major Liability And Negative Cash Flow Burner For Insurers. Note: Metlife is ranked the #1 largest annuity insurer (although relatively close in variable annuity sales to #2 Prudential and #3 The Hartford, and reportedly one of the sources causing significant negative cash flow. more stats on annuities
• HEADLINE #1d-19 (FBIC Reports Nov 20, 2008) Prudential Insurance Update (NYSE: PRU): 52 week high: $ 100.96; Prudential Financial Inc. Shares Fell Today To: $13.73 Change: -$3.28 Down -19.28%.
  
• HEADLINE #1d-18 (Nov. 20, 2008) Prudential Insurance Update (NYSE: PRU): Commercial Mortgage Securities Batters Prudential Financial.
  
• HEADLINE #1d-17 (FBIC Reports Nov 19, 2008) Prudential Insurance Update (NYSE: PRU): 52 week high: $ 100.96; Prudential Financial Inc. Shares Fell Today To: $17.01 Change: -$2.90 Down -14.57%.
  
• HEADLINE #1d-16 (FBIC Reports Nov 18, 2008) Prudential Insurance Update (NYSE: PRU): 52 week high: $ 100.96; Prudential Financial Inc. Shares Fell Today To: $19.91 Change: -$0.98 Down -4.69%.
  
• HEADLINE #1d-15 (FBIC Reports Nov 17, 2008) Prudential Insurance Update (NYSE: PRU): 52 week high: $ 100.96; Prudential Financial Inc. Shares Fell Today To: $20.89 Change: -$4.35 Down -17.23%.
  
• HEADLINE #1d-14 (Nov. 14, 2008) Prudential Insurance Update (NYSE: PRU): "Insurers Mull S&L Status ... Companies that own a savings and loan and thus are already regulated by the OTS include MetLife Inc., the biggest U.S. life insurer; No. 2 Prudential Financial Inc.; Allstate Corp.; Principal Financial Group Inc. and Nationwide Corp. Those that aren't include Hartford Financial Services Group Inc., Lincoln National Corp. and Genworth Financial Inc.
• HEADLINE #1d-13 (Nov. 14, 2008) Prudential Insurance Update (NYSE: PRU): Goldman Sachs Bearish On U.S. Life Insurance Sector ... Says Sell Prudential (PRU.N)
  
• HEADLINE #1d-12 (Nov. 11, 2008) Prudential Insurance Update (NYSE: PRU): Prudential Shares On The Move, Down.
  
• HEADLINE #1d-11 (Nov. 11, 2008) Prudential Insurance Update (NYSE: PRU): Prudential, Hartford Drop; Goldman First to Say Sell.
  
• HEADLINE #1d-10 (Nov. 11, 2008) Prudential Insurance Update (NYSE: PRU): Prudential Halves Dividend After Third-Quarter Loss.
  
• HEADLINE #1d-9 (Oct. 31, 2008) Prudential Insurance Update (NYSE: PRU): Shares of Prudential Fall.
  
• HEADLINE #1d-8 (Oct. 30, 2008) Prudential Insurance Update (NYSE: PRU): Prudential's Accounting-Books Hides $500 Million in Losses.
  
• HEADLINE #1d-7 (Oct. 30, 2008) Prudential Insurance Update (NYSE: PRU): Prudential Posts $108M Loss In Quarter.
  
• HEADLINE #1d-6 (Oct. 30, 2008) Prudential Insurance Update (NYSE: PRU): Prudential Financial Turns To Q3 Loss, Revenue Declines.
  
• HEADLINE #1d-5 (FBIC Reports Oct. 27, 2008) Prudential Insurance Update (NYSE: PRU): 52 week high: $ 100.96; Prudential Financial Inc. Shares Fell Today To: $26.18 Change: -$3.62 Down -12.15%.
  
• HEADLINE #1d-4 (Oct. 23, 2008) Prudential Insurance Update (NYSE: PRU): Prudential Halts Buybacks as Holdings Fall.
  
• HEADLINE #1d-3 (Oct. 20, 2008) Prudential Insurance Update (NYSE: PRU): Prudential Shares Fall On Write-down Fears.
  
• HEADLINE #1d-2 (Oct. 9, 2008) Prudential Insurance Update (NYSE: PRU): Prudential Sees Sharply Lower 3rd-Quarter Profit ... shares dive.
  
• HEADLINE #1d-1 (FBIC Reports Oct. 2, 2008) Prudential Insurance Update (NYSE: PRU): Prudential Credit Swaps Widen to Record. Prudential has significant credit default exposure. ( bankruptcy )
  
  
• HEADLINE #1e-19 Allstate Corporation Update  (NYSE: ALL real-time stock price): (May 19, 2009) Allstate Declines Bailout Offer From U.S. Treasury.
  
• HEADLINE #1e-18 Allstate Corporation Update  (NYSE: ALL real-time stock price): (May 15, 2009) Treasury Clears Allstate Corp, Six Insurers for U.S. TARP Bailout Funds.
  
• HEADLINE #1e-18 Allstate Corporation Update  (NYSE: ALL real-time stock price): (May 7, 2009) Allstate Reports Third Straight Loss on Investments.
  
• HEADLINE #1e-17 Allstate Corporation Update  (NYSE: ALL real-time stock price): (April 23, 2009) Allstate To Dinallo We’re Legal, We Swear.
  
• HEADLINE #1e-16 Allstate Corporation Update  (NYSE: ALL real-time stock price): (April 20, 2009) New York Regulator Demands Answers on Allstate Op-Ed.
  
• HEADLINE #1e-15 Allstate Corporation Update  (NYSE: ALL real-time stock price): (April 20, 2009) Allstate Hails Introduction of Federal Charter for Insurance Bill.
  
• HEADLINE #1e-14 Allstate Corporation Update  (NYSE: ALL real-time stock price): (Feb 25, 2009) Allstate Halves Dividend After Losses, Ending 14-Year Streak. Allstate Corp., the largest publicly traded U.S. home and auto insurer, slashed its dividend 51 percent after posting two straight quarterly losses, ending a 14- year streak of boosting the payout.
  
• HEADLINE #1e-13 Allstate Corporation Update  (NYSE: ALL real-time stock price): (Feb 2, 2009) Allstate's Catastrophe Bonds Face 'Imminent' Default, S&P Says.
  
• HEADLINE #1e-12 Allstate Corporation Update  (NYSE: ALL real-time stock price): (Jan. 30, 2009) S&P Lowers Allstate's Operating Co_ Ratings to 'AA-'; Outlook Negative.
  
• HEADLINE #1e-11 Allstate Corporation Update  (NYSE: ALL real-time stock price): (Jan. 30, 2009) Allstate Plummets as Dividend Is Threatened by Loss.
  
• HEADLINE #1e-10 Allstate Corporation Update  (NYSE: ALL real-time stock price): (Jan. 29, 2009) Allstate Posts $1.1 Billion Loss, Cuts 1,000 Jobs.
  
• HEADLINE #1e-9 Allstate Corporation Update  (NYSE: ALL real-time stock price): (FBIC Reports Nov. 20, 2008) 52 week high: $ 55.50;  Shares Fell Today To: $18.10  Change -$1.80 Down: -9.05%.
  
• HEADLINE #1e-8 (FBIC Reports Nov. 19, 2008) Allstate Corporation Update  (NYSE: ALL): 52 week high: $ 55.50;  Shares Closed Today At: $19.90  Change -$5.10 Down: -20.4%.
  
• HEADLINE #1e-7 (FBIC Reports Nov. 17, 2008) Allstate Corporation Update  (NYSE: ALL): 52 week high: $ 55.50;  Shares Closed Today At: $25.14  Change -$1.93 Down: -7.13%.
  
• HEADLINE #1e-6 (FBIC Notes Nov. 14, 2008) Allstate Corporation Update  (NYSE: ALL): "Insurers Mull S&L Status ... Companies that own a savings and loan" and thus are already regulated by the OTS include MetLife Inc., the biggest U.S. life insurer; No. 2 Prudential Financial Inc.; Allstate Corp.; Principal Financial Group Inc. and Nationwide Corp. Those that aren't include Hartford Financial Services Group Inc., Lincoln National Corp. and Genworth Financial Inc.
• HEADLINE #1e-5 (FBIC Reports Oct. 27, 2008) Allstate Corporation Update  (NYSE: ALL): 52 week high: $ 55.50;  Shares Fell Today To: $24.41 Change -$1.12 Down: -4.39%.
  
• HEADLINE #1e-4 (Oct. 23, 2008) Allstate Corporation Update  (NYSE: ALL): Allstate Shares Fall After Large Loss.
  
• HEADLINE #1e-3 (Oct. 23, 2008) Allstate Corporation Update (NYSE: ALL): Allstate Halts Buybacks as Holdings Fall.
  
• HEADLINE #1e-2 (Oct. 22, 2008) Allstate Corporation Update  (NYSE: ALL): Allstate Reports $923 Million Quarterly Net Loss, Insurer realizes $1.3 billion in pre-tax investment losses.
  
• HEADLINE #1e-1 (Oct. 22, 2008) Allstate Corporation Update (NYSE: ALL): Allstate Posts Loss on Investments, Hurricane Ike.
  
  
• HEADLINE #1f-20  Principal Financial Group Inc.  (NYSE: PFG real-time stock price): (June 11, 2009) Principal Declines U.S. Bailout After Raising Capital.
  
• HEADLINE #1f-20  Principal Financial Group Inc.  (NYSE: PFG real-time stock price): (May 15, 2009) Treasury Clears Principal Financial Group Inc., Six Insurers for U.S. TARP Bailout Funds.
  
• HEADLINE #1f-19  Principal Financial Group Inc.  (NYSE: PFG real-time stock price): (May 7, 2009) Principal's Filing Omits Language on Redemptions.
  
• HEADLINE #1f-18  Principal Financial Group Inc.  (NYSE: PFG real-time stock price): (May 4, 2009) Principal Financial 1st-Qtr Profit Falls 35 Percent.
  
• HEADLINE #1f-17  Principal Financial Group Inc.  (NYSE: PFG real-time stock price): (Feb. 20, 2009) Principal Faces Commercial Mortgage Losses.
  
• HEADLINE #1f-16  Principal Financial Group Inc.  (NYSE: PFG real-time stock price): (Feb. 10, 2009) Life Insurance Stocks Fall On Rating Worries.
  
• HEADLINE #1f-15  Principal Financial Group Inc.  (NYSE: PFG real-time stock price): (Feb. 10, 2009) Principal Falls as Bond Losses Spur Capital Worry.
  
• HEADLINE #1f-14  Principal Financial Group Inc.  (NYSE: PFG real-time stock price): (Jan. 14, 2009) Principal Leads Life Insurers Lower on Credit Concerns.
  
• HEADLINE #1f-13  Principal Financial Group Inc.  (NYSE: PFG real-time stock price): (Dec. 11, 2008) Principal Financial to Cut 550 Jobs at Des Moines Headquarters.
  
• HEADLINE #1f-12 (Dec. 10, 2008) Principal Financial Group Inc.  (NYSE: PFG): Principal Highlights Diversification Says Limited Exposure to 'Variable Annuities' Guarantees and 'Securities Lending Transactions'.
  
• HEADLINE #1f-11 (FBIC Reports Nov. 20, 2008) Principal Financial Group Inc.  (NYSE: PFG): 52 week high: $ 70.85;  Shares Fell Today To: $9.43 Change -$2.24  Down: -19.19%.
  
• HEADLINE #1f-10 (FBIC Reports Nov. 20, 2008) Principal Financial Group Inc.  (NYSE: PFG): Commercial Mortgage Securities Batters Principal Financial Group.
  
• HEADLINE #1f-9 (FBIC Reports Nov. 19, 2008) Principal Financial Group Inc.  (NYSE: PFG): 52 week high: $ 70.85;  Shares Fell Today To: $11.67 Change -$2.64 Down: -18.45%.
  
• HEADLINE #1f-8 (Nov. 19, 2008) Principal Financial Group Inc.  (NYSE: PFG): Principal Financial Group, Inc. Announces Application To Treasury CPP.
  
• HEADLINE #1f-7 (FBIC Reports Nov. 17, 2008) Principal Financial Group Inc.  (NYSE: PFG): 52 week high: $ 70.85;  Shares Fell Today To: $15.00 Change -$1.83 Down: -10.87%.
  
• HEADLINE #1f-6 (FBIC Notes Nov. 14, 2008) Principal Financial Group Inc.  (NYSE: PFG): "Insurers Mull S&L Status ... Companies that own a savings and loan and thus are already regulated by the OTS include MetLife Inc., the biggest U.S. life insurer; No. 2 Prudential Financial Inc.; Allstate Corp.; Principal Financial Group Inc. and Nationwide Corp. Those that aren't include Hartford Financial Services Group Inc., Lincoln National Corp. and Genworth Financial Inc.
• HEADLINE #1f-5 (Nov. 14, 2008) Principal Financial Group Inc.  (NYSE: PFG): Goldman Sachs Bearish On U.S. Life Insurance Sector ... Says Sell Principal Financial Group (PFG.N)
  
• HEADLINE #1f-4 (Nov. 11, 2008) Principal Financial Group Inc.  (NYSE: PFG): Shares of Principal Financial On The Move, Down.
  
• HEADLINE #1f-3 (Oct. 31, 2008) Principal Financial Group Inc.  (NYSE: PFG): Shares of Principal Financial Fall.
  
• HEADLINE #1f-2 (FBIC Reports Oct. 27, 2008) Principal Financial Group Inc.  (NYSE: PFG): 52 week high: $ 70.85;  Shares Fell Today To: $18.10 Change -$1.51 Down: -7.7%.
  
• HEADLINE #1f-1 (Oct. 9, 2008) Principal Financial Group (NYSE: PFG): Principal Financial Slumps With Insurance Sector.
  
  
• HEADLINE #1g-12 XL Capital Limited (NYSE: XL real-time stock price): (June 10, 2009) XL Insurance teams up with National Indemnity ... A Marriage Made In ???.
  
• HEADLINE #1g-11 XL Capital Limited (NYSE: XL real-time stock price): (April 29, 2009) XL Ekes Out A First-Quarter Profit.
  
• HEADLINE #1g-10 XL Capital Limited (NYSE: XL real-time stock price): (April 28, 2009) XL Profit Drops 99% to $3.1 Million on Investments.
  
• HEADLINE #1g-9 XL Capital Limited (NYSE: XL real-time stock price): (Feb. 10, 2009) XL Cuts 10% of Staff, Slashes Dividend After Loss.
  
• HEADLINE #1g-8 XL Capital Limited (NYSE: XL real-time stock price): (FBIC Reports Dec. 16, 2008) 52 week high: $ 75.74;  Shares Closed Today At: $3.68 Change +$0.78  Up: +26.9%.
  
• HEADLINE #1g-7 (Dec. 16, 2008) XL Capital Limited (NYSE: XL): S&P Lowers XL and Operating Companies Ratings; Outlook Negative.
  
• HEADLINE #1g-6 (Dec. 10, 2008) XL Capital Limited (NYSE: XL): XL Capital: XL, Bermuda's Biggest Insurer, Is Said to Seek Buyer.
  
• HEADLINE #1g-5 (FBIC Reports Dec. 1, 2008) XL Capital Limited  (NYSE: XL): Merrill Lynch downgrades XL Capital from Buy to Neutral.
  
• HEADLINE #1g-4 (FBIC Reports Nov. 20, 2008) XL Capital Limited  (NYSE: XL): 52 week high: $ 75.74;  Shares Fell Today To: $4.16 Change -$0.95  Down: -18.59%.
  
• HEADLINE #1g-3 (FBIC Reports Nov. 19, 2008) XL Capital Limited  (NYSE: XL): 52 week high: $ 75.74;  Shares Fell Today To: $5.11 Change -$1  Down: -16.37%.
  
• HEADLINE #1g-2 (FBIC Reports Nov. 17, 2008) XL Capital Limited  (NYSE: XL): 52 week high: $ 75.74;  Shares Fell Today To: $5.63 Change -$0.51  Down: -8.31%.
  
• HEADLINE #1g-1 (Oct. 9, 2008) XL Capital Limited (NYSE: XL): XL Capital: XL Shares Continue To Slide, Hit New All-Time Low. XL Capital Ltd (XL) is a provider of insurance and reinsurance coverage to industrial, commercial and professional service firms, as well as insurance companies and other enterprises on a worldwide basis.
  
  
• HEADLINE #1h-36  Lincoln National  (NYSE: LNC real-time stock price): (June 15, 2009) Lincoln Accepts U.S. Rescue Funds, Plans Share Sale.
  
• HEADLINE #1h-35  Lincoln National  (NYSE: LNC real-time stock price): (May 29, 2009) Lincoln CEO Glass Says TARP Would Be Least Dilutive.
  
• HEADLINE #1h-34  Lincoln National  (NYSE: LNC real-time stock price): (May 14, 2009) Lincoln Financial Receives Preliminary Approval for $2.5 Billion from Treasury's CPP.
  
• HEADLINE #1h-33  Lincoln National  (NYSE: LNC real-time stock price): (May 6, 2009) Lincoln National Posts Net Loss on Charge for Jefferson-Pilot VA Business.
  
• HEADLINE #1h-32  Lincoln National  (NYSE: LNC real-time stock price): (May 15, 2009) Treasury Clears Lincoln National Corp., Six Insurers for U.S. TARP Bailout Funds.
  
• HEADLINE #1h-31  Lincoln National  (NYSE: LNC real-time stock price): (May 6, 2009) Lincoln Rises After Operating Earnings Beat Estimates.
  
• HEADLINE #1h-30  Lincoln National  (NYSE: LNC real-time stock price): (April 16, 2009) Moody's Downgrades Lincoln Life Insurance And Parent Lincoln National Corp.
  
• HEADLINE #1h-29  Lincoln National  (NYSE: LNC real-time stock price): (April 9, 2009) Lincoln CEO Glass's Pay Falls 59% as Shares Plunge.
  
• HEADLINE #1h-28  Lincoln National  (NYSE: LNC real-time stock price): (April 8, 2009) Lincoln National Pulls Cash From Money-Losing Unit to Pay Debt.
  
• HEADLINE #1h-27  Lincoln National  (NYSE: LNC real-time stock price): (April 2, 2009) Ameriprise, Lincoln, Etal. Most Vulnerable to Withdrawals, Morgan Stanley Dally Says.
  
• HEADLINE #1h-26  Lincoln National  (NYSE: LNC real-time stock price): (March 30, 2009) Lincoln Falls on Withdrawal of U.S. Debt Application.
  
• HEADLINE #1h-25  Lincoln National  (NYSE: LNC real-time stock price): (March 20, 2009) Lincoln Leads Increase in Insurer Credit Swaps After Downgrade.
  
• HEADLINE #1h-24  Lincoln National  (NYSE: LNC real-time stock price): (March 17, 2009) Lincoln National Plans Another Round of Job Cuts.
  
• HEADLINE #1h-23  Lincoln National  (NYSE: LNC real-time stock price): (March 13, 2009) Variable Annuity Questions Answered.
  
• HEADLINE #1h-22  Lincoln National  (NYSE: LNC real-time stock price): (March 3, 2009) Metlife, Lincoln National Sink as U.S. Stock Rout Raises Capital Need.
  
• HEADLINE #1h-21  Lincoln National  (NYSE: LNC real-time stock price): (Feb. 25, 2009) Lincoln Declines After Slashing Quarterly Dividend.
  
• HEADLINE #1h-20  Lincoln National  (NYSE: LNC real-time stock price): (Feb. 25, 2009) Lincoln National Slashed Dividend by 95% to a Penny.
  
• HEADLINE #1h-19  Lincoln National  (NYSE: LNC real-time stock price): (Feb. 10, 2009) Life Insurance Stocks Fall On Rating Worries.
  
• HEADLINE #1h-18  Lincoln National  (NYSE: LNC real-time stock price): (Feb. 10, 2009) No Federal $ For Insurers.
  
• HEADLINE #1h-17  Lincoln National  (NYSE: LNC real-time stock price): (Feb. 9, 2009) Treasury To Approve insurers For TARP Funds Sources.
  
• HEADLINE #1h-16  Lincoln National  (NYSE: LNC real-time stock price): (Jan. 30, 2009) Lincoln To Cut Jobs.
  
• HEADLINE #1h-15  Lincoln National  (NYSE: LNC real-time stock price): (Jan. 14, 2009) Lincoln Leads Life Insurers Lower on Credit Concerns.
  
• HEADLINE #1h-14  Lincoln National  (NYSE: LNC real-time stock price): (Jan. 10, 2009) Lincoln Moves Closer to U.S. Aid on Takeover Approvals.
  
• HEADLINE #1h-13 (Dec. 22, 2008) Lincoln National  (NYSE: LNC): Life Insurers Plunge as Commercial Mortgage Defaults Loom.
  
• HEADLINE #1h-12 (FBIC Reports Nov. 20, 2008) Lincoln National Corporation  (NYSE: LNC): 52 week high: $ 67.39;  Shares Fell Today To: $5.07  Change -$2.24  Down: -30.64%.
  
• HEADLINE #1h-11 (FBIC Reports Nov. 19, 2008) Lincoln National Corporation  (NYSE: LNC): 52 week high: $ 67.39;  Shares Fell Today To: $7.31  Change -$4.85  Down: -39.88%.
  
• HEADLINE #1h-10 (Nov. 17, 2008) Lincoln National  (NYSE: LNC): Lincoln May Buy S&L With `Unsafe' Practices.
  
• HEADLINE #1h-9 (FBIC Reports Nov. 18, 2008) Lincoln National Corporation Update  (NYSE: LNC): Treasury Secretary Henry Paulson Testified Before Congress Today.  On Point: Recently Buying A Savings Bank, It Is Very Likely That Lincoln National , Etal Will Not Receive Bailout Funds From The Treasury Program. FBIC Excerpted: Treasury Secretary Henry Paulson testified at the hearing that the Treasury Department would be selective about letting insurers participate in the CPP by creating a bank holding company or a thrift holding company. "I'm not sure that's going to be a successful strategy," Paulson said. "Using a bank or thrift holding company operation to apply for the CPP "may make sense" for insurers that have had bank holding companies for some time, Paulson said.
  
• HEADLINE #1h-8 (FBIC Reports Nov. 17, 2008) Lincoln National Corporation  (NYSE: LNC): 52 week high: $ 67.39;  Shares Fell Today To: $12.55  Change -$1.80  Down: -12.54%.
  
• HEADLINE #1h-7 (Nov. 17, 2008) Lincoln National  (NYSE: LNC): Lincoln National Buys Savings Bank, Seeks Funds.
  
• HEADLINE #1h-6 (FBIC Exclusive Reports Nov. 17, 2008) Lincoln National Corporation  (NYSE: LNC): Although it has not announced, Lincoln National Corporation is expected to go the same route as The Hartford aka Hartford Financial Services and Genworth Financial Services to buy a savings and loan institution to be able to gain access to the Federal Government loan TARP Program.
• HEADLINE #1h-5 (FBIC Notes Nov. 14, 2008) Lincoln National Corporation  (NYSE: LNC): "Insurers Mull S&L Status ... Companies that own a savings and loan ... and thus are already regulated by the OTS include MetLife Inc., the biggest U.S. life insurer; No. 2 Prudential Financial Inc.; Allstate Corp.; Principal Financial Group Inc. and Nationwide Corp. Those that aren't include Hartford Financial Services Group Inc., Lincoln National Corp. and Genworth Financial Inc.
• HEADLINE #1h-4 (Nov. 14, 2008) Lincoln National  (NYSE: LNC): Goldman Sachs Bearish On U.S Life Insurance Sector, Says Sell Lincoln National Corp.
  
• HEADLINE #1h-3 (Nov. 11, 2008) Lincoln National  (NYSE: LNC): Lincoln National Shares On The Move, Down.
  
• HEADLINE #1h-2 (FBIC Reports Oct. 27, 2008) Lincoln National Corporation  (NYSE: LNC): 52 week high: $ 67.39;  Shares Fell Today To: $18.77 Change -$2.22  Down: -10.58%.
  
• HEADLINE #1h-1 (Oct. 23, 2008) Lincoln National  (NYSE: LNC): Lincoln National Halts Buybacks as Holdings Fall.
  
  
• HEADLINE #1i-6 (Apr. 30, 2009) St. Paul Companies Inc., aka Travelers Cos.   (NYSE: TRV real-time stock price): Travelers Profit Drops 32% on Lower Investment Income.
  
• HEADLINE #1i-5 (Jan. 27, 2009) St. Paul Companies Inc., aka Travelers Cos.   (NYSE: TRV real-time stock price): Earnings Dropped 25 percent in Q4 But Travelers Stock Rises After Fourth-Quarter Profit Beats Estimates.
  
• HEADLINE #1i-4 St. Paul Companies Inc., The aka Travelers Cos.  (NYSE: TRV real-time stock price): (FBIC Reports Nov. 19, 2008) 52 week high: $ 58.57; Shares Closed Today To: $37.29  Change -$4.10  Down: -9.91%.
  
• HEADLINE #1i-3 (FBIC Reports Nov. 17, 2008) St. Paul Companies Inc., The aka Travelers Cos.  (NYSE: TRV): 52 week high: $ 58.57; Shares Closed Today To: $41.07  Change -$0.81  Down: -1.93%.
  
• HEADLINE #1i-2 (FBIC Reports Oct. 27, 2008) St. Paul Companies Inc., aka Travelers Cos.  (NYSE: TRV): 52 week high: $ 58.57; Shares Fell Today To: $37.61  Change -$4.13  Down: -9.89%.
  
• HEADLINE #1i-1 (Oct. 23, 2008) St. Paul Companies Inc., aka Travelers Companies  (NYSE: TRV): Travelers Profit Falls 82% on Hurricanes, Investments.
  
  
• HEADLINE #1j-10 CNA Financial Corp.  (NYSE: CNA real-time stock price): (May 4, 2009) Loews Posts $647 Million Loss on CNA.
  
• HEADLINE #1j-9 CNA Financial Corp.  (NYSE: CNA real-time stock price): (Feb. 18, 2009) A. M. Best Revises Outlook to Negative and Affirms Ratings of CNA Financial Corporation.
  
• HEADLINE #1j-8 CNA Financial Corp.  (NYSE: CNA real-time stock price): (Feb. 9, 2009) CNA Posts Quarterly Loss, Hit By Financial Crisis.
  
• HEADLINE #1j-7 CNA Financial Corp.  (NYSE: CNA real-time stock price): (Feb. 9, 2009) Loews Reports Fourth-Quarter Loss as CNA Investments Decline.
  
• HEADLINE #1j-6 CNA Financial Corp.  (NYSE: CNA real-time stock price): (FBIC Reports Nov. 20, 2008) 52 week high: $ 41.52;  Shares Closed Today At: $9.36  Change -$1.22  Down: -11.53%.
  
• HEADLINE #1j-5 (FBIC Reports Nov. 19, 2008) CNA Financial Corp.  (NYSE: CNA): 52 week high: $ 41.52;  Shares Closed Today At: $10.58  Change -$1.33  Down: -11.17%.
  
• HEADLINE #1j-4 (FBIC Reports Nov. 17, 2008) CNA Financial Corp.  (NYSE: CNA): 52 week high: $ 41.52;  Shares Closed Today At: $12.28  Change -$0.49  Down: -3.84%.
  
• HEADLINE #1j-3 (Oct. 27, 2008) CNA Financial Corp.  (NYSE: CNA): Insurers Fall On CNA Results, US Treasury Uncertainty.
  
• HEADLINE #1j-2 (Oct. 27, 2008) CNA Financial Corp.  (NYSE: CNA): Loews Will Inject $1.25 Billion Into CNA After Loss.
  
• HEADLINE #1j-1 (FBIC Reports Oct. 27, 2008) CNA Financial Corp.  (NYSE: CNA): 52 week high: $ 41.52;  Shares Fell Today To: $11.90 Change -$5.76 Down: -32.62%.
  
  
• HEADLINE #1k-20 Genworth Financial Inc.  (NYSE: GNW real-time stock price): (May 8, 2009) Genworth Posts 1st-Qtr Loss..
• HEADLINE #1k-19 Genworth Financial Inc.  (NYSE: GNW real-time stock price): (April 9, 2009) Genworth Fails to Qualify for TARP; Shares Plunge..
• HEADLINE #1k-18 Genworth Financial Inc.  (NYSE: GNW real-time stock price): (Feb. 20, 2009) A.M. Best Downgrades Ratings of Genworth Financial Inc...
• HEADLINE #1k-17 Genworth Financial Inc.  (NYSE: GNW real-time stock price): (Feb. 10, 2009) No Federal $ For Insurers..
• HEADLINE #1k-16 Genworth Financial Inc.  (NYSE: GNW real-time stock price): (Feb. 9, 2009) Treasury To Approve Insurers For TARP Funds Sources..
• HEADLINE #1k-15 Genworth Financial Inc.  (NYSE: GNW real-time stock price): (Jan. 22, 2009) Genworth Sells Mexican Unit to HDI-Gerling International.
• HEADLINE #1k-14 Genworth Financial Inc.  (NYSE: GNW real-time stock price): (Jan. 15, 2009) Genworth Financial Falls as Deadline for TARP Eligibility Looms.
• HEADLINE #1k-13 Genworth Financial Inc.  (NYSE: GNW real-time stock price): (Dec. 19, 2008) JP Morgan Downgrades, Cuts Profit Estimates On Genworth.
• HEADLINE #1k-12 (Dec. 18, 2008) Genworth Financial Inc.  (NYSE: GNW): Genworth Slashes 1,000 Jobs, Take $45 Million Charge.
• HEADLINE #1k-11 (Dec. 10, 2008) Genworth Financial Inc.  (NYSE: GNW): Genworth Reaches Agreement on Thrift Acquisition.
• HEADLINE #1k-10 (FBIC Reports Nov. 19, 2008) Genworth Financial Inc.  (NYSE: GNW): 52 week high: $ 32.00;  Shares Fell Today To: $1.02, Change -$0.10  Down: -8.93%.
  
• HEADLINE #1k-9 (FBIC Reports Nov. 18, 2008) Genworth Financial Inc.  (NYSE: GNW): Treasury Secretary Henry Paulson Testified Before Congress Today.  On Point: Recently Buying A Savings Bank, It Is Very Likely That Genworth Financial, Etal Will Not Receive Bailout Funds From The Treasury Program. FBIC Excerpted: Treasury Secretary Henry Paulson testified at the hearing that the Treasury Department would be selective about letting insurers participate in the CPP by creating a bank holding company or a thrift holding company. "I'm not sure that's going to be a successful strategy," Paulson said. "Using a bank or thrift holding company operation to apply for the CPP "may make sense" for insurers that have had bank holding companies for some time, Paulson said.
  
• HEADLINE #1k-8 (FBIC Reports Nov. 18, 2008) Genworth Financial Inc.  (NYSE: GNW): 52 week high: $ 32.00;  Shares Fell Today To: $1.12, Change -$0.22  Down: -16.42%.
  
• HEADLINE #1k-7 (FBIC Reports Nov. 17, 2008) Genworth Financial Inc.  (NYSE: GNW): 52 week high: $ 32.00;  Shares Fell Today To: $1.34, Change -$0.13  Down: -8.84%.
  
• HEADLINE #1k-6 (Nov. 17, 2008) Genworth Financial Inc.  (NYSE: GNW): Genworth Seeks Federal Aid After Buying a Bank.
• HEADLINE #1k-5 (FBIC Notes Nov. 14, 2008) Genworth Financial Inc.  (NYSE: GNW): "Insurers Mull S&L Status ... Companies that own a savings and loan ... and thus are already regulated by the OTS include MetLife Inc., the biggest U.S. life insurer; No. 2 Prudential Financial Inc.; Allstate Corp.; Principal Financial Group Inc. and Nationwide Corp. Those that aren't include Hartford Financial Services Group Inc., Lincoln National Corp. and Genworth Financial Inc.
• HEADLINE #1k-4 (Nov. 11, 2008) Genworth Financial Inc.  (NYSE: GNW): Genworth Financial Discloses Texas AG Probe of Long-Term-Care Unit.
  
• HEADLINE #1k-3 (Nov. 11, 2008) Genworth Financial Inc.  (NYSE: GNW): Genworth Declines by Half After U.S. Debt-Plan Ouster.
  
• HEADLINE #1k-2 (Nov. 7, 2008) Genworth Financial Inc.  (NYSE: GNW): Genworth Plunges on Loss, Dividend Cut, May Need Cash.
  
• HEADLINE #1k-1 (FBIC Reports Oct. 27, 2008) Genworth Financial Inc.  (NYSE: GNW): 52 week high: $ 32.00;  Shares Fell Today To: $4.27, Change -$0.87  Down: -16.93%.
  
  
• HEADLINE #1l-8 Progressive Corp. (NYSE: PGR real-time stock price): (April 16, 2009) Progressive Profit Declines 2.9% on Investment Loss..
  
• HEADLINE #1l-7 Progressive Corp.  (NYSE: PGR real-time stock price): (Jan. 21, 2009) $300M-Plus Securities Write-Down Adds To Progressive’s $123M Loss..
  
• HEADLINE #1l-6 Progressive Corp.  (NYSE: PGR real-time stock price): (Dec. 15, 2008) Progressive Won’t Pay an Annual Dividend Next Year..
  
• HEADLINE #1l-5 (Dec. 10, 2008) Progressive Corp.  (NYSE: PGR):  Progressive Profit Jumps in November on Investments..
  
• HEADLINE #1l-4 (FBIC Reports Nov. 17, 2008) Progressive Corp.  (NYSE: PGR): 52 week high: $ 32.00; Shares Closed Today At: $13.85,  Change -$0.28;  Down: -1.98%.
  
• HEADLINE #1l-3 (Nov. 11, 2008) Progressive Corp.  (NYSE: PGR):  Progressive CEO Calls 3Q ‘Frustrating And Troubling’.
  
• HEADLINE #1l-2 (FBIC Reports Oct. 27, 2008) Progressive Corp.  (NYSE: PGR): 52 week high: $ 32.00; Shares Fell Today To: $11.74, Change -$0.52; Down: -4.24%.
  
• HEADLINE #1l-1 (Oct. 11, 2008) Progressive Corp.  (NYSE: PGR):  Progressive Corp. Reports First Quarterly Loss Since 2000.
  
  
• HEADLINE #1m-7:  Ameriprise Financial Services Inc. (NYSE: AMP real-time stock price): (June 3, 2009) MetLife and Ameriprise Lead Busiest Day of Bond Sales Since March.
  
• HEADLINE #1m-6:  Ameriprise Financial Services Inc. (NYSE: AMP real-time stock price): (May 15, 2009) Treasury Clears Ameriprise Financial Inc, Six Insurers for U.S. TARP Bailout Funds.
  
• HEADLINE #1m-5:  Ameriprise Financial Services Inc. (NYSE: AMP real-time stock price): (April 2, 2009) Ameriprise, Lincoln, Others Most Vulnerable to Withdrawals, Morgan Stanley Dally Says.
  
• HEADLINE #1m-4: Ameriprise Financial Services Inc. (NYSE: AMP real-time stock price): (FBIC Reports Nov. 19, 2008) 52 week high: $ 69.25; Shares Fell Today To: $13.96, Change -$2.04; Down: -12.75%.
  
• HEADLINE #1m-3: (FBIC Reports Nov. 17, 2008) Ameriprise Financial Services Inc.  (NYSE: AMP): 52 week high: $ 69.25; Shares Fell Today To: $16.31, Change -$1.69; Down: -9.39%.
  
• HEADLINE #1m-2: (Oct. 29, 2008) Ameriprise Financial Services Inc. (NYSE: AMP): Ameriprise Financial Reports 3rd Qtr 2008 Results, $70M Net Loss.
  
• HEADLINE #1m-1: (FBIC Reports Oct. 27, 2008) Ameriprise Financial Services Inc.  (NYSE: AMP): 52 week high: $ 69.25; Shares Fell Today To: $20.15, Change -$1.28; Down: -5.97%.
  
  
• HEADLINE #1n-4: Aflac, Inc.: (AFL:US real-time price): (April 2, 2009) Aflac Shares Fall as S&P Downgrades Hybrid Securities..
  
• HEADLINE #1n-3: Aflac, Inc.: (AFL:US real-time price): (March 6, 2009) Aflac Slumps to 10-Year Low After Fitch Downgrade..
  
• HEADLINE #1n-2: Aflac, Inc.: (AFL:US real-time price): (Feb. 2, 2009) Aflac Says Net Drops 48 Percent, Capital Is 'Strong'.
  
• HEADLINE #1n-1: Aflac, Inc.: (AFL:US real-time price): (Jan. 23, 2009) Aflac Downgraded by S&P on Falling Value of Holdings.
  
  
• HEADLINE #1o-8: Nationwide Financial Services (April 6, 2009) Nationwide Mutual Insurance Cuts 480 Jobs in Latest Layoffs. Nationwide Financial Services (NFS) is no longer a publicly traded company. Effective January 1, 2009, NFS became a private, wholly owned subsidiary of Nationwide Mutual Insurance Company .... henceforth Nationwide may be limitedly updated here.
  
• HEADLINE #1o-7: Nationwide Financial Services (Feb. 20, 2009) Nationwide Mutual's Jurgensen Fired By Board. Nationwide Financial Services (NFS) is no longer a publicly traded company. Effective January 1, 2009, NFS became a private, wholly owned subsidiary of Nationwide Mutual Insurance Company .... henceforth Nationwide may be limitedly updated here.
  
• HEADLINE #1o-6: Nationwide Financial Services (Jan. 29, 2009) A.M. Best Revises Nationwide Group Outlook To Negative. Nationwide Financial Services (NFS) is no longer a publicly traded company. Effective January 1, 2009, NFS became a private, wholly owned subsidiary of Nationwide Mutual Insurance Company .... henceforth Nationwide may be limitedly updated here.
  
• HEADLINE #1o-5 Nationwide Financial Services (FBIC Reports Jan. 1, 2009) Nationwide Financial Services (NFS) is no longer a publicly traded company. Effective January 1, 2009, NFS became a private, wholly owned subsidiary of Nationwide Mutual Insurance Company .... henceforth Nationwide may be limitedly updated here.
  
• HEADLINE #1o-4 Nationwide Financial Services (NYSE: NFS):  (FBIC Reports Nov. 17, 2008) 52 week high: $ 65.52; Shares Closed Today At: $49.35, Change -$0.65; Down: -1.3%.
  
• HEADLINE #1o-3 (FBIC Notes Nov. 14, 2008) Nationwide Financial Services (NYSE: NFS): "Insurers Mull S&L Status ... Companies that own a savings and loan ... and thus are already regulated by the OTS include MetLife Inc., the biggest U.S. life insurer; No. 2 Prudential Financial Inc.; Allstate Corp.; Principal Financial Group Inc. and Nationwide Corp. Those that aren't include Hartford Financial Services Group Inc., Lincoln National Corp. and Genworth Financial Inc.
• HEADLINE #1o-2 (Nov. 6, 2008) Nationwide Financial Services (NYSE: NFS): Nationwide Financial Posts $346.4 Million Third-Quarter Loss.
  
• HEADLINE #1o-1 (Nov. 6, 2008) Nationwide Financial Services (NYSE: NFS): Nationwide Financial Posts Large 3Q Loss.
  
  
• HEADLINE #1p-8 ING (NYSE: ING real-time stock price): (May 13, 2009) ING Posts Third Consecutive Loss After Writedowns.
  
• HEADLINE #1p-7 ING (NYSE: ING real-time stock price): (April 9, 2009) ING to Sell as Much as $10.6 Billion of Assets; Shares Advance.
  
• HEADLINE #1p-7 ING (NYSE: ING real-time stock price): (Jan. 26, 2009) ING CEO Quits After 4Q Loss, New State Aid.
  
• HEADLINE #1p-6 ING (NYSE: ING real-time stock price): (Jan. 23, 2009) Hannover Re Buys Scottish Re's ING Life Reinsurance.
  
• HEADLINE #1p-5 ING (NYSE: ING real-time stock price): (Jan. 14, 2009) ING Cuts 920 Jobs.
  
• HEADLINE #1p-4 ING (NYSE: ING real-time stock price): (Dec. 11, 2008) S&P Affirms ING Ratings; Outlook Revised to Negative.
  
• HEADLINE #1p-3 (FBIC Reports Nov. 20, 2008) ING (NYSE: ING):  52 week high: $ 40.67; Shares Closed Today At: $6.78,  Change -$0.75; Down: -9.96%.
  
• HEADLINE #1p-2 (FBIC Reports Nov. 19, 2008) ING (NYSE: ING):  52 week high: $ 40.67; Shares Closed Today At: $7.53,  Change -$1.42; Down: -15.87%.
  
• HEADLINE #1p-1 (Nov. 12, 2008) ING (NYSE: ING): Insurer ING Posts First-Ever Loss.
  
  
• HEADLINE #1q-7 (May 7, 2009) Zurich Financial (Swiss: ZURN.VX): Zurich First-Quarter Profit Falls 75% on Investments.
• HEADLINE #1q-6 (April 16, 2009) Zurich Financial (Swiss: ZURN.VX): AIG Sells Auto Unit to Zurich in Biggest Deal Since Bailout.
• HEADLINE #1q-5 (Feb. 5, 2009) Zurich Financial (Swiss: ZURN.VX): Zurich Financial Profit Declines 87% on Writedowns.
• HEADLINE #1q-4 (Dec. 12, 2008) Zurich Financial (Swiss: ZURN.VX): Zurich Pays $25 M To Settle SEC Charge Over Sham Reinsurance Deals.
• HEADLINE #1q-3 (Dec. 12, 2008) Zurich Financial (Swiss: ZURN.VX): Zurich Financial To Pay $25 Million Fine To Settle SEC Fraud Charges Over Insurance Deals.
• HEADLINE #1q-2 (Dec. 12, 2008) Zurich Financial (Swiss: ZURN.VX): Best Affirms Zurich Ratings; Revises Outlook to Stable.
• HEADLINE #1q-1 (Nov. 13, 2008) Zurich Financial (Swiss: ZURN.VX): Zurich 3Q Income Drops 90%, But Manages Slim Profit.
  
  
• HEADLINE #1r-6 (May 14, 2009) Aegon NV (Dutch: AEG.N): Aegon Posts Smaller-Than-Expected Loss.
  
• HEADLINE #1r-5 (Feb. 17, 2009) Aegon NV (Dutch: AEG.N): Aegon Posts Loss on Investment Declines, Writedowns.
  
• HEADLINE #1r-4 (Dec. 15, 2008) Aegon NV (Dutch: AEG.N): Aegon Pulls Request for U.S. Funds, Thrift Takeover.
  
• HEADLINE #1r-3 (Nov. 28, 2008) Aegon NV (Dutch: AEG.N): EU Approves Dutch Emergency Recapitalization of Aegon.
  
• HEADLINE #1r-2 (Nov. 21, 2008) Aegon NV (Dutch: AEG.N): Aegon's Bid for TARP Cash Doomed.
  
• HEADLINE #1r-1 (Nov. 17, 2008) Aegon NV (Dutch: AEG.N): Aegon May Buy S&L With `Unsafe' Practices To Gain Access To TARP.
  
  
• HEADLINE #1s-4 (April 13, 2009) Syncora : Syncora Bond Insurer Deregisters Outstanding Shares.
  
• HEADLINE #1s-3 (Dec. 15, 2008) Syncora : Syncora Suspended From NYSE.
  
• HEADLINE #1s-2 (FBIC Reports Nov. 19, 2008) Syncora (NYSE: SCA):  52 week high: $ 8.94; Shares Closed Today At: $0.29,  Change -$0.14; Down: -32%.
  
• HEADLINE #1s-1 (Nov. 18, 2008) Syncora (NYSE: SCA): Syncora Could Fall To Credit Crisis.
  
  
• HEADLINE #1t-5 Protective Life (NYSE: PL real-time stock price):  (April 2, 2009) Hartford, Protective Left Hanging as Treasury Stalls.
  
• HEADLINE #1t-4 Protective Life (NYSE: PL real-time stock price):  (Jan. 15, 2009) Protective Life Wins Status as Bank Holding Company.
  
• HEADLINE #1t-3 Protective Life (NYSE: PL real-time stock price):  (FBIC Reports Nov. 20, 2008) 52 week high: $ 44.34; Shares Fell Today To: $5.73,  Change -$1.08; Down: -15.86%.
  
• HEADLINE #1t-2 (FBIC Reports Nov. 19, 2008) Protective Life (NYSE: PL):  52 week high: $ 44.34; Shares Fell Today To: $6.81,  Change -$1.42; Down: -17.25%.
  
• HEADLINE #1t-1 (Nov. 19, 2008) Protective Life (NYSE: PL): Protective Announces Application for Bank Holding Company Status.
  
  
• HEADLINE #1u-7 GMAC (NYSE: GMA real-time stock price): (May 5, 2009) GMAC Has $675 Mln Loss, Can Weather GM Bankruptcy.
  
• HEADLINE #1u-6 GMAC (NYSE: GMA real-time stock price): (Feb. 3, 2009) GMAC Reports Profit on Gains Related to Debt Exchange.
  
• HEADLINE #1u-5 GMAC (NYSE: GMA real-time stock price): (Dec. 24, 2008) GMAC Granted Bank Status as U.S. Seeks to Save GM.
  
• HEADLINE #1u-4 (FBIC Reports Dec. 16, 2008) GMAC LLC (NYSE: GMA):  52 week high: $ 19.20; Shares Closed Today At: $5.12,  Change -$0.03; Down: -0.58%.
  
• HEADLINE #1u-3 (Dec. 10, 2008) GMAC (NYSE: GMA): GMAC Rescue Plan Falters, Raising Bankruptcy Concern.
  
• HEADLINE #1u-2 (Nov. 20, 2008) GMAC (NYSE: GMA): GMAC Applies for Status as Bank, Begins Debt Swap.
  
• HEADLINE #1u-1 (FBIC Reports Nov. 19, 2008) GMAC LLC (NYSE: GMA):  52 week high: $ 19.20; Shares Fell Today To: $4.85,  Change -$0.82; Down: -14.46%.
  
  
• HEADLINE #1v-4 UNUM  (NYSE: UNM real-time stock price): (Dec. 29, 2008) Appeals Court Rules Against Unum In Disability Suit.
  
• HEADLINE #1v-3 UNUM (NYSE: UNM real-time stock price): (Dec. 10, 2008) NAIC Looks At Disability Insurers Best Practices ... As The Article Recognizes 20% Of All Disability Claims Don't Get Paid Properly and Promptly, FBIC Cites Unum Insurance (aka Unum-Provident) As Being The #1 Rated Worst Bad Faith Disability Insurer.
  
• HEADLINE #1v-2 (Dec. 10, 2008) UNUM (NYSE: UNM): Unum Replaces Credit Facility.
  
• HEADLINE #1v-1 (FBIC Reports Nov. 20, 2008) UNUM (NYSE: UNM):  52 week high: $ 27.50; Shares Fell Today To: $9.48,  Change -$3.02; Down: -24.16%.
  
  
• HEADLINE #1yy-13 The Back Room: Reinsurance and Insurance Run-off. A Few Select Bytes About The Unregulated And Little Known Worlds Of Reinsurers and Insurance Run-off Companies. (June 16, 2009) Gen Re's Houldsworth Avoids Prison in AIG Fraud Case. [Unregulated reinsurance and insurance runoff company liquidators (and their attorneys) also use the courts system to hide behind, forestall and put-off paying claims in many if not most cases determining whether your insurance claims are paid or not.]
• HEADLINE #1yy-12 The Back Room: Reinsurance and Insurance Run-off. A Few Select Bytes About The Unregulated And Little Known Worlds Of Reinsurers and Insurance Run-off Companies. (June 16, 2009) Former General Re Executive Given Probation. [Unregulated reinsurance and insurance runoff company liquidators (and their attorneys) also use the courts system to hide behind, forestall and put-off paying claims in many if not most cases determining whether your insurance claims are paid or not.]
• HEADLINE #1yy-11 The Back Room: Reinsurance and Insurance Run-off. A Few Select Bytes About The Unregulated And Little Known Worlds Of Reinsurers and Insurance Run-off Companies. (June 5, 2009) Missouri Regulators Seek $3 Billion in Damages From General American's Law Firm. [Unregulated reinsurance and insurance runoff company liquidators (and their attorneys) also use the courts system to hide behind, forestall and put-off paying claims in many if not most cases determining whether your insurance claims are paid or not.]
• HEADLINE #1yy-10 The Back Room: Reinsurance and Insurance Run-off. A Few Select Bytes About The Unregulated And Little Known Worlds Of Reinsurers and Insurance Run-off Companies. (April 30, 2009) Final Defendant In Gen Re Case Robert Graham Sentenced To Jail. [Unregulated reinsurance and insurance runoff company liquidators also use the courts system to hide behind, forestall and put-off paying claims in many if not most cases determining whether your insurance claims are paid or not.]
• HEADLINE #1yy-09 The Back Room: Reinsurance and Insurance Run-off. A Few Select Bytes About The Unregulated And Little Known Worlds Of Reinsurers and Insurance Run-off Companies. (April 20, 2009) $95m From GenRe To Settle Reinsurance HIH Matter. [Unregulated reinsurance and insurance runoff company liquidators also use the courts system to hide behind, forestall and put-off paying claims in many if not most cases determining whether your insurance claims are paid or not.]
• HEADLINE #1yy-08 The Back Room: Reinsurance and Insurance Run-off. A Few Select Bytes About The Unregulated And Little Known Worlds Of Reinsurers and Insurance Run-off Companies. (Posted April 10, 2009) Financial Crisis Imperils Re-Insurers Ability to Access Capital. [Unregulated reinsurance and insurance runoff company liquidators also use the courts system to hide behind, forestall and put-off paying claims in many if not most cases determining whether your insurance claims are paid or not.]
• HEADLINE #1yy-07 The Back Room: Reinsurance and Insurance Run-off. A Few Select Bytes About The Unregulated And Little Known Worlds Of Reinsurers and Insurance Run-off Companies. (April 8, 2009) Buffett's Berkshire Hathaway Loses Moody's Top Credit Rating. [Unregulated reinsurance and insurance runoff company liquidators also use the courts system to hide behind, forestall and put-off paying claims in many if not most cases determining whether your insurance claims are paid or not.]
• HEADLINE #1yy-06 The Back Room: Reinsurance and Insurance Run-off. A Few Select Bytes About The Unregulated And Little Known Worlds Of Reinsurers and Insurance Run-off Companies. (April 8, 2009) Ex-Chief of General Re British Unit Is Banned by FSA. [Unregulated reinsurance and insurance runoff company liquidators also use the courts system to hide behind, forestall and put-off paying claims in many if not most cases determining whether your insurance claims are paid or not.]
• HEADLINE #1yy-05 The Back Room: Reinsurance and Insurance Run-off. A Few Select Bytes About The Unregulated And Little Known Worlds Of Reinsurers and Insurance Run-off Companies. (April 7, 2009) Swiss Re Plans to Slash 10% of Jobs After Record Loss. [Unregulated reinsurance and insurance runoff company liquidators also use the courts system to hide behind, forestall and put-off paying claims in many if not most cases determining whether your insurance claims are paid or not.]
• HEADLINE #1yy-04 The Back Room: Reinsurance and Insurance Run-off. A Few Select Bytes About The Unregulated And Little Known Worlds Of Reinsurers and Insurance Run-off Companies. (March 13, 2009) Zurich Financial Services, Converium Holding AG Settle Reinsurance Fraud Charges. [Unregulated reinsurance and insurance runoff companies (insurance company liquidators) also use the courts system to hide behind, forestall and put-off paying claims in many if not most cases determining whether your insurance claims are paid or not.]
• HEADLINE #1yy-03 The Back Room: Reinsurance and Insurance Run-off. A Few Select Bytes About The Unregulated And Little Known Worlds Of Reinsurers and Insurance Run-off Companies. (March 13, 2009) Ren Re Founder and Former CEO (James Stanard) Found Liable For Securities Fraud. [Unregulated reinsurance and insurance runoff companies (insurance company liquidators) also use the courts system to hide behind, forestall and put-off paying claims in many if not most cases determining whether your insurance claims are paid or not.]
• HEADLINE #1yy-02 The Back Room: Reinsurance and Insurance Run-off. A Few Select Bytes About The Unregulated And Little Known Worlds Of Reinsurers and Insurance Run-off Companies. (Feb. 27, 2009) Insurance at Edge of Storm, U.K. Runoff Specialists Told. [Unregulated reinsurance and insurance runoff companies (insurance company liquidators) also use the courts system to hide behind, forestall and put-off paying claims in many if not most cases determining whether your insurance claims are paid or not.]
• HEADLINE #1yy-01 The Back Room: Reinsurance and Insurance Run-off. A Few Select Bytes About The Unregulated And Little Known Worlds Of Reinsurers and Insurance Run-off Companies. (Feb. 27, 2009) Reinsurer (General Reinsurance Company, Owned By Berkshire Hathaway) To Settle Ohio Fraud Suit For $72 Million. [Unregulated reinsurance and insurance runoff companies (insurance company liquidators) also use the courts system to hide behind, forestall and put-off paying claims in many if not most cases determining whether your insurance claims are paid or not.]
  
  
• HEADLINE #1zz-73 Fraudster: (June 18, 2009) Judge orders ex-HealthSouth CEO Richard Scrushy to pay $2.9B to shareholders in fraud case. Insurance companies and related conspirator companies use the courts system to hide behind, forestall and put-off paying claims. Thousands of civil cases involving breach of contract unpaid claims and bad faith claims against insurers are contested everyday in our country's state and federal courts system. This is but one example that FBIC thought might be of interest.)
• HEADLINE #1zz-72 Fraudster: (June 16, 2009) Gen Re's Houldsworth Avoids Prison in AIG Fraud Case. Insurance companies and related conspirator companies use the courts system to hide behind, forestall and put-off paying claims. Thousands of civil cases involving breach of contract unpaid claims and bad faith claims against insurers are contested everyday in our country's state and federal courts system. This is but one example that FBIC thought might be of interest.)
• HEADLINE #1zz-71 Fraudster: (June 6, 2009) The SEC Finally Gets Serious? ... Well, Maybe. Insurance companies and related conspirator companies use the courts system to hide behind, forestall and put-off paying claims. Thousands of civil cases involving breach of contract unpaid claims and bad faith claims against insurers are contested everyday in our country's state and federal courts system. This is but one example that FBIC thought might be of interest.)
• HEADLINE #1zz-70 Fraudster: (June 5, 2009) Missouri Regulators Seek $3 Billion in Damages From General American's Law Firm. Insurance companies and related conspirator companies use the courts system to hide behind, forestall and put-off paying claims. Thousands of civil cases involving breach of contract unpaid claims and bad faith claims against insurers are contested everyday in our country's state and federal courts system. This is but one example that FBIC thought might be of interest.)
• HEADLINE #1zz-69 Fraudster: (June 5, 2009) Cox diluted SEC enforcement, some say. Note: FBIC blew the whistle, accused and has been espousing Cox's turning a blind-eye to corporate insurer fraud since 2005. Insurance companies and related conspirator companies use the courts system to hide behind, forestall and put-off paying claims. Thousands of civil cases involving breach of contract unpaid claims and bad faith claims against insurers are contested everyday in our country's state and federal courts system. This is but one example that FBIC thought might be of interest.)
• HEADLINE #1zz-68 Fraudster: (May 26, 2009) Scrushy ends testimony in HealthSouth civil suit. (Insurance companies and related conspirator companies use the courts system to hide behind, forestall and put-off paying claims. Thousands of civil cases involving breach of contract unpaid claims and bad faith claims against insurers are contested everyday in our country's state and federal courts system. This is but one example that FBIC thought might be of interest.) 1246a05-21-2009 State Farm Agrees to Reopen Indiana Hail Storm Claims, Pay $275,000 to State.htm
• HEADLINE #1zz-67 Fraudster: (May 26, 2009) State Farm Agrees to Reopen Indiana Hail Storm Claims, Pay $275,000 to State. (Insurance companies and related conspirator companies use the courts system to hide behind, forestall and put-off paying claims. Thousands of civil cases involving breach of contract unpaid claims and bad faith claims against insurers are contested everyday in our country's state and federal courts system. This is but one example that FBIC thought might be of interest.)
• HEADLINE #1zz-66 Fraudster: (May 26, 2009) Merrill Lynch Oks Funeral Trust Deal Company To Pay $18 Million But Admits No Wrongdoing. (Insurance companies and related conspirator companies use the courts system to hide behind, forestall and put-off paying claims. Thousands of civil cases involving breach of contract unpaid claims and bad faith claims against insurers are contested everyday in our country's state and federal courts system. This is but one example that FBIC thought might be of interest.)
• HEADLINE #1zz-65 Fraudster: (May 21, 2009) Mass. AG settles bid-rigging lawsuit against Great American Insurance Co. (Insurance companies and related conspirator companies use the courts system to hide behind, forestall and put-off paying claims. Thousands of civil cases involving breach of contract unpaid claims and bad faith claims against insurers are contested everyday in our country's state and federal courts system. This is but one example that FBIC thought might be of interest.)
• HEADLINE #1zz-64 Fraudster: (May 20, 2009) Scrushy denies role in HealthSouth fraud. (Insurance companies and related conspirator companies use the courts system to hide behind, forestall and put-off paying claims. Thousands of civil cases involving breach of contract unpaid claims and bad faith claims against insurers are contested everyday in our country's state and federal courts system. This is but one example that FBIC thought might be of interest.)
• HEADLINE #1zz-63 Fraudster: (May 15, 2009) WellCare Health Pays $80 Million to Settle Medicaid Fraud Probe. (Insurance companies and related conspirator companies use the courts system to hide behind, forestall and put-off paying claims. Thousands of civil cases involving breach of contract unpaid claims and bad faith claims against insurers are contested everyday in our country's state and federal courts system. This is but one example that FBIC thought might be of interest.)
• HEADLINE #1zz-62 Fraudster: (May 15, 2009) Jury Awards $5.35 Million to Colorado Company for James River Insurance Company's Bad Faith in Wrongfully Denying Payment on a Property Loss Claim. (Insurance companies and related conspirator companies use the courts system to hide behind, forestall and put-off paying claims. Thousands of civil cases involving breach of contract unpaid claims and bad faith claims against insurers are contested everyday in our country's state and federal courts system. This is but one example that FBIC thought might be of interest.)
• HEADLINE #1zz-61 Fraudster: (May 14, 2009) US Third Circuit Clarifies Applicability For Safe Harbors And Standards In Securities Fraud Cases. (Insurance companies and related conspirator companies use the courts system to hide behind, forestall and put-off paying claims. Thousands of civil cases involving breach of contract unpaid claims and bad faith claims against insurers are contested everyday in our country's state and federal courts system. This is but one example that FBIC thought might be of interest.)
• HEADLINE #1zz-60 Fraudster: (May 14, 2009) HealthSouth civil lawsuit seeks $2.6B from Scrushy. (Insurance companies and related conspirator companies use the courts system to hide behind, forestall and put-off paying claims. Thousands of civil cases involving breach of contract unpaid claims and bad faith claims against insurers are contested everyday in our country's state and federal courts system. This is but one example that FBIC thought might be of interest.)
• HEADLINE #1zz-59 Fraudster: (May 11, 2009) Marsh & McLennan Settles Price Fixing Claims. (Insurance companies and related conspirator companies use the courts system to hide behind, forestall and put-off paying claims. Thousands of civil cases involving breach of contract unpaid claims and bad faith claims against insurers are contested everyday in our country's state and federal courts system. This is but one example that FBIC thought might be of interest.)
• HEADLINE #1zz-58a Fraudster: (April 30, 2009) Final Defendant In Gen Re Case Robert Graham Sentenced To Jail. (Insurance companies and related conspirator companies use the courts system to hide behind, forestall and put-off paying claims. Thousands of civil cases involving breach of contract unpaid claims and bad faith claims against insurers are contested everyday in our country's state and federal courts system. This is but one example that FBIC thought might be of interest.)
• HEADLINE #1zz-58 Fraudster: (April 30, 2009) Final Defendant In Gen Re Case Robert Graham Sentenced To Jail. (Insurance companies and related conspirator companies use the courts system to hide behind, forestall and put-off paying claims. Thousands of civil cases involving breach of contract unpaid claims and bad faith claims against insurers are contested everyday in our country's state and federal courts system. This is but one example that FBIC thought might be of interest.)
• HEADLINE #1zz-57 Fraudster: (April 27, 2009) Colo Committee Blocks Unfair-Practices Bill That Would Have Barred Insurance Companies From Offering Bonuses And Incentives To Adjusters And Other Employees For Denying Claims. (Insurance companies and related conspirator companies use the courts system to hide behind, forestall and put-off paying claims. Thousands of civil cases involving breach of contract unpaid claims and bad faith claims against insurers are contested everyday in our country's state and federal courts system. This is but one example that FBIC thought might be of interest.)
• HEADLINE #1zz-56 Fraudster: (April 27, 2009) Probe Sought Of AIG Civilian Injury War Base Claims Handling ... FBIC Has Many Such War Base Handling Complaints Against AIG And Other Insurers. (Insurance companies and related conspirator companies use the courts system to hide behind, forestall and put-off paying claims. Thousands of civil cases involving breach of contract unpaid claims and bad faith claims against insurers are contested everyday in our country's state and federal courts system. This is but one example that FBIC thought might be of interest.)
• HEADLINE #1zz-55 Fraudster: (April 27, 2009) Nationwide Settles Suit Over Insurance Charges. (Insurance companies and related conspirator companies use the courts system to hide behind, forestall and put-off paying claims. Thousands of civil cases involving breach of contract unpaid claims and bad faith claims against insurers are contested everyday in our country's state and federal courts system. This is but one example that FBIC thought might be of interest.)
• HEADLINE #1zz-54 Fraudster: (April 20, 2009) $95m From GenRe To Settle Reinsurance HIH Matter. (Insurance companies and related conspirator companies use the courts system to hide behind, forestall and put-off paying claims. Thousands of civil cases involving breach of contract unpaid claims and bad faith claims against insurers are contested everyday in our country's state and federal courts system. This is but one example that FBIC thought might be of interest.)
• HEADLINE #1zz-53 Fraudster: (April 15, 2009) Retired Judge to Oversee $24.4 Million John Hancock Settlement. (Insurance companies and related conspirator companies use the courts system to hide behind, forestall and put-off paying claims. Thousands of civil cases involving breach of contract unpaid claims and bad faith claims against insurers are contested everyday in our country's state and federal courts system. This is but one example that FBIC thought might be of interest.)
• HEADLINE #1zz-52 Fraudster: (April 10, 2009) Connecticut AG Criticizes Bailout Money for Credit Rating 'Conspirator' Firms (Moody's, Standard & Poors, Fitch). (Insurance companies and related conspirator companies use the courts system to hide behind, forestall and put-off paying claims. Thousands of civil cases involving breach of contract unpaid claims and bad faith claims against insurers are contested everyday in our country's state and federal courts system. This is but one example that FBIC thought might be of interest.)
• HEADLINE #1zz-51 Fraudster: (April 10, 2009) Katrina 'Whistleblowers,' Former Employer, Reach Settlement. (Insurance companies use the courts system to hide behind, forestall and put-off paying claims. Thousands of civil cases involving breach of contract unpaid claims and bad faith claims against insurers are contested everyday in our country's state and federal courts system. This is but one example that FBIC thought might be of interest.)
• HEADLINE #1zz-50 Fraudster: (April 8, 2009) Ex-Chief of General Re British Unit Is Banned by FSA. (Insurance companies use the courts system to hide behind, forestall and put-off paying claims. Thousands of civil cases involving breach of contract unpaid claims and bad faith claims against insurers are contested everyday in our country's state and federal courts system. This is but one example that FBIC thought might be of interest.)
• HEADLINE #1zz-49 Fraudster: (April 2, 2009) Gen Re's Monrad Gets 18 Months in AIG Investor Fraud. (Insurance companies use the courts system to hide behind, forestall and put-off paying claims. Thousands of civil cases involving breach of contract unpaid claims and bad faith claims against insurers are contested everyday in our country's state and federal courts system. This is but one example that FBIC thought might be of interest.)
• HEADLINE #1zz-48 Fraudster: (March 28, 2009) Senate Takes On Out-Of-Network Insurance Issue. (Insurance companies use the courts system to hide behind, forestall and put-off paying claims. Thousands of civil cases involving breach of contract unpaid claims and bad faith claims against insurers are contested everyday in our country's state and federal courts system. This is but one example that FBIC thought might be of interest.)
• HEADLINE #1zz-47 Fraudster: (March 25, 2009) Connecticut Orders Liberty Mutual to Pay $930K. (Insurance companies use the courts system to hide behind, forestall and put-off paying claims. Thousands of civil cases involving breach of contract unpaid claims and bad faith claims against insurers are contested everyday in our country's state and federal courts system. This is but one example that FBIC thought might be of interest.)
• HEADLINE #1zz-46 Fraudster: (March 13, 2009) Zurich Financial Services, Converium Holding AG Settle Reinsurance Fraud Charges. (Insurance companies use the courts system to hide behind, forestall and put-off paying claims. Thousands of civil cases involving breach of contract unpaid claims and bad faith claims against insurers are contested everyday in our country's state and federal courts system. This is but one example that FBIC thought might be of interest.)
• HEADLINE #1zz-45 Fraudster: (March 13, 2009) Release Of Claims Held To Confer Exclusive Jurisdiction On English Courts (vs. U.S.) To Decide Actions Of Fraud. (Insurance companies use the courts system to hide behind, forestall and put-off paying claims. Thousands of civil cases involving breach of contract unpaid claims and bad faith claims against insurers are contested everyday in our country's state and federal courts system. This is but one example that FBIC thought might be of interest.)
• HEADLINE #1zz-44 Fraudster: (March 13, 2009) Ren Re Founder and Former CEO (James Stanard) Found Liable For Securities Fraud. (Insurance companies use the courts system to hide behind, forestall and put-off paying claims. Thousands of civil cases involving breach of contract unpaid claims and bad faith claims against insurers are contested everyday in our country's state and federal courts system. This is but one example that FBIC thought might be of interest.)
• HEADLINE #1zz-43 Fraudster: (March 8, 2009) Coastal Insurance Crisis ... State Farm Cookin' The Books. (Insurance companies use the courts system to hide behind, forestall and put-off paying claims. Thousands of civil cases involving breach of contract unpaid claims and bad faith claims against insurers are contested everyday in our country's state and federal courts system. This is but one example that FBIC thought might be of interest.)
• HEADLINE #1zz-42 Fraudster: (March 8, 2009) Florida Insurance Regulators Question State Farm's Dire Claim ... Finds Florida State Farm Collected $2.6B More In Premiums Than Paid Out In Claims. (Insurance companies use the courts system to hide behind, forestall and put-off paying claims. Thousands of civil cases involving breach of contract unpaid claims and bad faith claims against insurers are contested everyday in our country's state and federal courts system. This is but one example that FBIC thought might be of interest.)
• HEADLINE #1zz-41 Fraudster: (March 4, 2009) USI Holdings Unit To Pay $470,000 In Pact With Conn AG. (Insurance companies use the courts system to hide behind, forestall and put-off paying claims. Thousands of civil cases involving breach of contract unpaid claims and bad faith claims against insurers are contested everyday in our country's state and federal courts system. This is but one example that FBIC thought might be of interest.)
• HEADLINE #1zz-40 Fraudster: (March 4, 2009) Ex-Gen Re Executive (Christopher Garand) Gets 1 Year In Prison. (Insurance companies use the courts system to hide behind, forestall and put-off paying claims. Thousands of civil cases involving breach of contract unpaid claims and bad faith claims against insurers are contested everyday in our country's state and federal courts system. This is but one example that FBIC thought might be of interest.)
• HEADLINE #1zz-39 Fraudster: (March 2, 2009) W. Va. Workers' Comp Insurer To Refund $18.1M. (Insurance companies use the courts system to hide behind, forestall and put-off paying claims. Thousands of civil cases involving breach of contract unpaid claims and bad faith claims against insurers are contested everyday in our country's state and federal courts system. This is but one example that FBIC thought might be of interest.)
• HEADLINE #1zz-38 Fraudster: (Feb. 27, 2009) Reinsurer (General Reinsurance Company, Owned By Berkshire Hathaway) To Settle Ohio Fraud Suit For $72 Million. (Insurance companies use the courts system to hide behind, forestall and put-off paying claims. Thousands of civil cases involving breach of contract unpaid claims and bad faith claims against insurers are contested everyday in our country's state and federal courts system. This is but one example that FBIC thought might be of interest.)
• HEADLINE #1zz-37 Fraudster: (Feb. 26, 2009) Audit Finds Some Issues With Workers' Comp System. (Insurance companies use the courts system to hide behind, forestall and put-off paying claims. Thousands of civil cases involving breach of contract unpaid claims and bad faith claims against insurers are contested everyday in our country's state and federal courts system. This is but one example that FBIC thought might be of interest.)
• HEADLINE #1zz-36 Fraudster: (Feb. 26, 2009) Mass. Attorney General Martha Coakley Reaches $239,011 Settlement with Chubb Insurance Company. (Insurance companies use the courts system to hide behind, forestall and put-off paying claims. Thousands of civil cases involving breach of contract unpaid claims and bad faith claims against insurers are contested everyday in our country's state and federal courts system. This is but one example that FBIC thought might be of interest.)
• HEADLINE #1zz-35 Fraudster: (Feb. 26, 2009) Life Settlement Firm Bought No Policies. (Insurance companies use the courts system to hide behind, forestall and put-off paying claims. Thousands of civil cases involving breach of contract unpaid claims and bad faith claims against insurers are contested everyday in our country's state and federal courts system. This is but one example that FBIC thought might be of interest.)
• HEADLINE #1zz-34 Fraudster: (Feb. 24, 2009) New Orleans Whistleblower Lawsuit Reinstated For Some - But Allstate and State Farm Are Dismissed. (Insurance companies use the courts system to hide behind, forestall and put-off paying claims. Thousands of civil cases involving breach of contract unpaid claims and bad faith claims against insurers are contested everyday in our country's state and federal courts system. This is but one example that FBIC thought might be of interest.)
• HEADLINE #1zz-33 Fraudster: (Feb. 23, 2009) Judge Approves $88 Million Settlement of 2005 Bid-Rigging Suit Against Marsh. (Insurance companies use the courts system to hide behind, forestall and put-off paying claims. Thousands of civil cases involving breach of contract unpaid claims and bad faith claims against insurers are contested everyday in our country's state and federal courts system. This is but one example that FBIC thought might be of interest.)
• HEADLINE #1zz-32 Fraudster: (Feb. 20, 2009) Conn. Bill To Ease Bad Faith Suits Stirs Insurers' Opposition. (Insurance companies use the courts system to hide behind, forestall and put-off paying claims. Thousands of civil cases involving breach of contract unpaid claims and bad faith claims against insurers are contested everyday in our country's state and federal courts system. This is but one example that FBIC thought might be of interest.)
• HEADLINE #1zz-31 Fraudster: (Feb. 20, 2009) WellCare Ordered to Halt Enrollment in Medicare Plans. (Insurance companies use the courts system to hide behind, forestall and put-off paying claims. Thousands of civil cases involving breach of contract unpaid claims and bad faith claims against insurers are contested everyday in our country's state and federal courts system. This is but one example that FBIC thought might be of interest.)
• HEADLINE #1zz-30 Fraudster: (Feb. 20, 2009) Life Settlement Firm Bought No Policies. (Insurance companies use the courts system to hide behind, forestall and put-off paying claims. Thousands of civil cases involving breach of contract unpaid claims and bad faith claims against insurers are contested everyday in our country's state and federal courts system. This is but one example that FBIC thought might be of interest.)
• HEADLINE #1zz-29 Fraudster: (Feb. 20, 2009) QBE Insurance Ordered To Pay $20.4 Million. (Insurance companies use the courts system to hide behind, forestall and put-off paying claims. Thousands of civil cases involving breach of contract unpaid claims and bad faith claims against insurers are contested everyday in our country's state and federal courts system. This is but one example that FBIC thought might be of interest.)
• HEADLINE #1zz-28 Fraudster: (Feb. 18, 2009) WellPoint Said to Pay $10 Million to Settle Probe. (Insurance companies use the courts system to hide behind, forestall and put-off paying claims. Thousands of civil cases involving breach of contract unpaid claims and bad faith claims against insurers are contested everyday in our country's state and federal courts system. This is but one example that FBIC thought might be of interest.)
• HEADLINE #1zz-27 Fraudster: (Feb. 18, 2009) Jury Convicts Alabama Insurance Executive Goff. (Insurance companies use the courts system to hide behind, forestall and put-off paying claims. Thousands of civil cases involving breach of contract unpaid claims and bad faith claims against insurers are contested everyday in our country's state and federal courts system. This is but one example that FBIC thought might be of interest.)
• HEADLINE #1zz-26 Fraudster: (Feb. 18, 2009) Cigna Settles Out-of-Network Reimbursement Probe. (Insurance companies use the courts system to hide behind, forestall and put-off paying claims. Thousands of civil cases involving breach of contract unpaid claims and bad faith claims against insurers are contested everyday in our country's state and federal courts system. This is but one example that FBIC thought might be of interest.)
• HEADLINE #1zz-25 Fraudster: (Feb. 18, 2009) Atlanta Braves Sue The Hartford Over Pitcher’s Disability. (Insurance companies use the courts system to hide behind, forestall and put-off paying claims. Thousands of civil cases involving breach of contract unpaid claims and bad faith claims against insurers are contested everyday in our country's state and federal courts system. This is but one example that FBIC thought might be of interest.)
• HEADLINE #1zz-24 Fraudster: (Feb. 11, 2009) Former Oklahoma Commissioner Pleads No Contest to Bribe Charges. (Insurance companies use the courts system to hide behind, forestall and put-off paying claims. Thousands of civil cases involving breach of contract unpaid claims and bad faith claims against insurers are contested everyday in our country's state and federal courts system. This is but one example that FBIC thought might be of interest.)
• HEADLINE #1zz-23 Fraudster: (Feb. 2, 2009) James N. Stanard, Former CEO of RenaissanceRe Holdings Ltd, Held Liable for Accounting Fraud. (Insurance companies use the courts system to hide behind, forestall and put-off paying claims. Thousands of civil cases involving breach of contract unpaid claims and bad faith claims against insurers are contested everyday in our country's state and federal courts system. This is but one example that FBIC thought might be of interest.)
• HEADLINE #1zz-22 Fraudster: (Feb. 2, 2009) Intel, AGLI Sue Each Other Over Defense Obligations. (Insurance companies use the courts system to hide behind, forestall and put-off paying claims. Thousands of civil cases involving breach of contract unpaid claims and bad faith claims against insurers are contested everyday in our country's state and federal courts system. This is but one example that FBIC thought might be of interest.)
• HEADLINE #1zz-21 Fraudster: (Feb. 2, 2009) Aetna to Pay $5 Million to U.S. Students, Cuomo Says. (Insurance companies use the courts system to hide behind, forestall and put-off paying claims. Thousands of civil cases involving breach of contract unpaid claims and bad faith claims against insurers are contested everyday in our country's state and federal courts system. This is but one example that FBIC thought might be of interest.)
• HEADLINE #1zz-20 Fraudster: (Feb. 1, 2009) Insurers Overcharged Medicare For Prescriptions, Report Finds. (Insurance companies use the courts system to hide behind, forestall and put-off paying claims. Thousands of civil cases involving breach of contract unpaid claims and bad faith claims against insurers are contested everyday in our country's state and federal courts system. This is but one example that FBIC thought might be of interest.)
• HEADLINE #1zz-19 Fraudster: (Jan. 30, 2009) Greenberg Seeks Confidentiality for AIG Testimony. (Insurance companies use the courts system to hide behind, forestall and put-off paying claims. Thousands of civil cases involving breach of contract unpaid claims and bad faith claims against insurers are contested everyday in our country's state and federal courts system. This is but one example that FBIC thought might be of interest.)
• HEADLINE #1zz-18 Fraudster: (Jan. 30, 2009) Former AIG CEO Greenberg Fights Release Of Testimony. (Insurance companies use the courts system to hide behind, forestall and put-off paying claims. Thousands of civil cases involving breach of contract unpaid claims and bad faith claims against insurers are contested everyday in our country's state and federal courts system. This is but one example that FBIC thought might be of interest.)
• HEADLINE #1zz-17 Fraudster: (Jan. 27, 2009) AIG’s Milton Gets Four Years for Fraud, Avoids Life. (Insurance companies use the courts system to hide behind, forestall and put-off paying claims. Thousands of civil cases involving breach of contract unpaid claims and bad faith claims against insurers are contested everyday in our country's state and federal courts system. This is but one example that FBIC thought might be of interest.)
• HEADLINE #1zz-16 Fraudster: (Jan. 26, 2009) Audit Dispute Complicates Louisiana Insurance Commissioner Financial Statements. (Insurance companies use the courts system to hide behind, forestall and put-off paying claims. Thousands of civil cases involving breach of contract unpaid claims and bad faith claims against insurers are contested everyday in our country's state and federal courts system. This is but one example that FBIC thought might be of interest.)
• HEADLINE #1zz-15 Fraudster: (Jan. 23, 2009) AIG Subsidiary Insurer Faults Duke, Denies Paying Duke University's Liability Claims And Expenses For Which It Was Covered, Saying It Should Not Pay for Legal And Related Expenses Over False Rape Charge. (Insurance companies use the courts system to hide behind, forestall and put-off paying claims. Thousands of civil cases involving breach of contract unpaid claims and bad faith claims against insurers are contested everyday in our country's state and federal courts system. This is but one example that FBIC thought might be of interest.)
• HEADLINE #1zz-14 Fraudster: (Jan. 22, 2009) Louisiana Agent Who Pocketed Premiums Gains Fine, Loses License. (Insurance companies use the courts system to hide behind, forestall and put-off paying claims. Thousands of civil cases involving breach of contract unpaid claims and bad faith claims against insurers are contested everyday in our country's state and federal courts system. This is but one example that FBIC thought might be of interest.)
• HEADLINE #1zz-13 Fraudster: (Jan. 21, 2009) Suit Alleges That First American Title Insurance Company is Responsible for Its Agents' Fraud In $3 Million Claim. (Insurance companies use the courts system to hide behind, forestall and put-off paying claims. Thousands of civil cases involving breach of contract unpaid claims and bad faith claims against insurers are contested everyday in our country's state and federal courts system. This is but one example that FBIC thought might be of interest.)
• HEADLINE #1zz-12 Fraudster: (Jan. 19, 2009) The Oldest Victims When Mortgages Dried Up, Cons Got Creative, Expert Says. (Insurance companies use the courts system to hide behind, forestall and put-off paying claims. Thousands of civil cases involving breach of contract unpaid claims and bad faith claims against insurers are contested everyday in our country's state and federal courts system. This is but one example that FBIC thought might be of interest.)
• HEADLINE #1zz-11 Fraudster: (Jan. 19, 2009) State Farm Terminates Deal With Indian Company Involved In Scandal. (Insurance companies use the courts system to hide behind, forestall and put-off paying claims. Thousands of civil cases involving breach of contract unpaid claims and bad faith claims against insurers are contested everyday in our country's state and federal courts system. This is but one example that FBIC thought might be of interest.)
• HEADLINE #1zz-10 Fraudster: (Jan. 19, 2009) Class Action Lawsuit Targets LandAmerica, SunTrust For Running Ponzi Scheme. (Insurance companies use the courts system to hide behind, forestall and put-off paying claims. Thousands of civil cases involving breach of contract unpaid claims and bad faith claims against insurers are contested everyday in our country's state and federal courts system. This is but one example that FBIC thought might be of interest.)
• HEADLINE #1zz-9 Fraudster: (Jan. 16, 2009) Insurer Settles Case For $350 million; Unitedhealth's Rate Database Questioned. (Insurance companies use the courts system to hide behind, forestall and put-off paying claims. Thousands of civil cases involving breach of contract unpaid claims and bad faith claims against insurers are contested everyday in our country's state and federal courts system. This is but one example that FBIC thought might be of interest.)
• HEADLINE #1zz-8 Fraudster: (Jan. 15, 2009) Alleged Serious Conflicts Of Interest, Stealth Fees And Kickbacks By Hartford Insurance And Other Insurers Are Exposed Here Stinging AARP Seniors With Much Costlier Insurance.
• HEADLINE #1zz-7 Fraudster: (Jan. 15, 2009) Aetna Said to Agree in Principle to Settlement on Reimbursement. Aetna Inc., the third-largest U.S. health insurer, has agreed in principle to settle an investigation of reimbursement rates for out-of-network doctors, said a person familiar with the New York probe. (Insurance companies use the courts system to hide behind, forestall and put-off paying claims. Thousands of civil cases involving breach of contract unpaid claims and bad faith claims against insurers are contested everyday in our country's state and federal courts system. This is but one example that FBIC thought might be of interest.)
• HEADLINE #1zz-6 Fraudster: (Jan. 13, 2009) General Re's Ferguson Convicted In Perpetrating A $500M Fraud, Sentenced Outside Federal Guidelines Requiring 25 Years To Life And Instead Received Leniency And Just A 2 Years Sentence, To Stay Out Of Jail Pending Appeal. (Insurance companies use the courts system to hide behind, forestall and put-off paying claims. Thousands of civil cases involving breach of contract unpaid claims and bad faith claims against insurers are contested everyday in our country's state and federal courts system. This is but one example that FBIC thought might be of interest.)
• HEADLINE #1zz-5 Fraudster: (Jan. 13, 2009) UnitedHealth, New York in $50 Million Payment Accord. "There was an industrywide scheme perpetrated by some of the nation's largest health-insurance companies to deceive and defraud consumers. Ingenix being owned by UnitedHealth is a gross conflict of interest, as the relationship gave Ingenix an incentive to set rates that benefited UnitedHealth and its subsidiaries," according to Cuomo. (Insurance companies use the courts system to hide behind, forestall and put-off paying claims. Thousands of civil cases involving breach of contract unpaid claims and bad faith claims against insurers are contested everyday in our country's state and federal courts system. This is but one example that FBIC thought might be of interest.)
• HEADLINE #1zz-4 Fraudster: (Jan. 10, 2009) Louisiana Lawsuit Penalizes AIG Owned Lexington Insurance Co. "The insurance company obviously benefits from not paying in a timely manner, whereas the insured's condition worsens over time. Then the policyholder settles the case for far less than they are entitled to because they're under duress", said state Sen. David Baria, D-Bay St. Louis. (Insurance companies use the courts system to hide behind, forestall and put-off paying claims. Thousands of civil cases involving breach of contract unpaid claims and bad faith claims against insurers are contested everyday in our country's state and federal courts system. This is but one example that FBIC thought might be of interest.)
• HEADLINE #1zz-3 Fraudster: (Dec. 17, 2008) Insurer Says In Court Papers, 'Victims Of Houston Office Fire Died From 'Pollution', 'Not Fire'. (Unbelievable! This is not a joke). More Insurance Industry False Statements Or Untruths In Perspective? ... This is but one example that gets exposed of hundreds of thousands of bad faith insurers insurance practices that don't get exposed and that occur annually, and which are widespread and pervasive throughout the insurance industry and U.S. In such cases, bad faith insurers and their lawyers take advantage to hide behind the courts and put-off for years not having to pay claims promptly and properly as required by law. This Is An Outrage! FYI, 'Great American Insurance Company' is owned by the parent company American Financial Group which has been listed for the past 7 years and is currently ranked #14 bad faith insurer on it's " FBIC Ranking 100 ".  This is but one of upwards of many hundreds of thousands to a million or more related bad faith insurance examples, insurer breach of contract and other related illegal complaints against insurance companies that reoccur annually and represents what FBIC stands up and fights for. Note: FYI, the insurer announced Jan. 21, 2009 that it dropped this reason from the lawsuit for not paying the claim but it still refuses to pay the claim. It is said that the negative publicity caused the insurer to take the action. (Insurance companies use the courts system to hide behind, forestall and put-off paying claims. Thousands of civil cases involving breach of contract unpaid claims and bad faith claims against insurers are contested everyday in our country's state and federal courts system. This is but one example that FBIC thought might be of interest.)
• HEADLINE #1zz-2 (Dec. 16, 2008) Fraudster: Ex-General Re’s Ferguson Gets Two Years Sentence For $500M Fraud, Avoids Life.  (Insurance companies use the courts system to hide behind, forestall and put-off paying claims. Thousands of civil cases involving breach of contract unpaid claims and bad faith claims against insurers are contested everyday in our country's state and federal courts system. This is but one example that FBIC thought might be of interest.)
• HEADLINE #1zz-1 (Dec. 16, 2008) Fraudster: Ex-General Re Chief Ferguson Sentenced 2 Years for $500M Fraud.  (Insurance companies use the courts system to hide behind, forestall and put-off paying claims. Thousands of civil cases involving breach of contract unpaid claims and bad faith claims against insurers are contested everyday in our country's state and federal courts system. This is but one example that FBIC thought might be of interest.)
  
  
• HEADLINE #2: (March 2009 - An FBIC Exclusive) FBIC is near completion of a three plus years investigation, one leaked to FBIC by a whistleblower, concerning widespread fraudulent activities and the illegal inner workings from within one of America's largest group insurance companies and reinsurers. FBIC will announce this story shortly on this website, which involves billions of dollars of illegal and ill-gotten bad faith insurance gains at the expense of policyholders. The story highlights in detail the real behind the scenes goings-on and illicit operations confirmed by numerous court documents and cases, and contributes (like none other before) to further expose just how widespread frauds and the illegal bad faith insurance activities are within the insurance industry today. The whistleblower evidence confirms widespread use of bad faith insurance claims practices, pervasive falsifying of financial records, extensive defrauding of policyholders and claimants, claims being intentionally and willingly denied and not paid, lying to state insurance commissions, all as business usual and much much more. ....
  
  
• HEADLINE #3: (July 2008) The American Association For Justice (formerly the Association of Trial Lawyers of America aka ATLA) Publishes "The Ten Worst Insurance Companies In America ... How They Raise Premiums, Deny Claims, and Refuse Insurance To Those Who Need It Most". FBIC Congratulate The AAJ For This Lawyerly Work!
  
  
• HEADLINE #4: (July 10, 2008 Last Updated, An FBIC Exclusive) Does Corruption Exist Between Our States' Highest Courts Justices And Judges, Bad Faith Insurance Companies And Their Law Firms? The Answer Is A Resounding, YES!  The Fact Of The Matter Is That Bias And Corruption Within Our States High Courts Judicial Systems By Justices And Judges Has Been Going On Behind The Scenes Quietly Away From Public View And Having A Cumulative Devastating Effect On American Citizens, Businesses And Plaintiff Trial Lawyers And Significantly Eroding Americans Freedoms And Constitutional Rights For The Past Two Decades.  Note That Bad Faith Insurers By Such Corrupt Activities, Their Widespread Fraudulent Actions And Criminal Activities, Being That They Operate And Influence All Segments Of U.S. Consumer And Business Services, Adversely Effects And Negatively Impacts The Lives Of All Americans Every Day ... And Then To Have Their Fraudulent And Corrupt Activities Supported And Sanctioned By Biased State High Court Justices Is Simply Outrageous And Unacceptable.
  
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• HEADLINE #4a: Is Bad Faith Insurance Supported By The Courts? Are Many Of Our States' High Courts Systems Judges And Justices Biased By Major (Bad Faith) Insurers, Conflicted Or Corrupt In This Modern Day Of Follow The Money Ethics? The Answer Is Unequivocally Yes.  It Is Shamefully Inherent In Our Judicial System At Many Of Our State's Highest Courts Levels.  By America's Supposed High Standards, This Is Outrageous And It's Got To Stop. Read Article #1, "Justice For Sale".  Although we would like to think that our state and federal courts judges are honest and beyond reproach, in many cases nothing could be farther from the truth. Many of the freedoms and the constitutional rights of all Americans continues to be eroded by such actions and the veracity of our whole court system, esp. in our states highest courts, is in jeopardy!  Read about some of the behind the scenes examples of how insurer bad faith insurance practices are sustained, upheld in law, influenced and supported by corruption and conflicted special interests (which includes insurers as you will read) and dishonest biased court judges in your state.
  
  
• HEADLINE #4b: More, Bad Faith Insurance Is Supported By Corrupt, Biased, And Dishonest Judges In Our States' Highest Courts .... Read Article #2, Another one entitled "Justice For Sale" - "How special-interest money threatens the integrity of our courts" written by the revered and honorable former U.S. Supreme Court Justice SANDRA DAY O'CONNOR.  And Yes, "Special Interest" includes the insurance industry and our country's bad faith insurers. The title speaks for itself.
  
  
• HEADLINE #4c: More, Bad Faith Insurance Is Supported By Corrupt, Biased, And Dishonest Judges In Our States' Highest Courts. Read Another Article entitled "Drive To Choose Texas Judges On Merit Intensifies" ... Does Money Rule State Supreme Courts. ...  And Yes, money rules state courts includes the insurance industry, our country's bad faith insurers and their law firms.
  
  
• HEADLINE #5: Free Professionally Produced Investigative Network Television Videos For Your Viewing For The 2008 Summer Season (Only On This FBIC Website)  ... Staying at home for much of this summer saving money on the high price of gasoline and travel? FBIC offers you FREE at-home viewing of the videos of your choice from it's exclusive collection of major television networks investigative covert exposés and reports (some of which FBIC collaborated). View many of our country's well known major national insurance companies caught in the act with their pants down (that's figuratively speaking) committing illegal bad faith insurance practices. See with your own eyes some of the common illicit schemes, widespread fraudulent rip-offs and the extent to which many (and we do mean many) major national insurers are involved in widespread corruption and pervasive illegal acts to "willingly deny and not pay claims". Caught in the act of committing illegal and deceptive acts, view many phony schemes set up and repeatedly utilized as business usual by these bad faith major insurers to deny coverage and not pay legitimate claims in order to increase their corporate profits. Watch Them And You Be The Judge ....
  
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  Help protect yourself ... FBIC asks all Americans not to buy insurance from bad faith insurers and only buy from good faith insurers. You can make a difference.
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• HEADLINE #6: Taking Heat In The Media: Bad Faith Insurance Continues As Business Usual ... "Home Insurance 9-1-1".  View an investigative video exposé revealing some of the behind the scenes examples of controversial insurer bad faith home insurance practices. "In the fall of 2003, one of the largest recorded wildfires in California's history destroyed over 2,200 houses and killed fifteen people. Soon after, many who'd lost their homes had a rude awakening: their insurance did not nearly cover their losses as expected."
  PBS' NOW in collaboration with Bloomberg Markets Magazine investigate tactics some insurance companies may be using to reduce, avoid, or stall homeowners' claims in an effort to boost their own earnings. Two major insurers are referenced: State Farm and Allstate. To this day because of these dealings, many claimants have yet to be properly compensated.
  
  
• HEADLINE #6a: More Taking Heat In The Media: Bad Faith Insurance Continues To Be Widespread, As Business Usual ... "The Insurance Hoax".  Read An investigative report illustrating some of the many ways "property insurers use secret tactics to cheat customers out of payments". "Property insurers systematically deny and reduce their policyholders claims, according to court records. The insurance companies routinely refuse to pay market prices for homes and replacement contents, they use computer programs to cut payouts, they change policy coverage with no clear explanation, they ignore or alter engineering reports, and they sometimes ask their adjusters to lie to customers". "Insurers make low offers--or refuse to pay at all--and then dare people to fight back."  Referenced insurers include Hartford, State Farm, Allstate Corp., Farmers Group Inc., Illinois Farmers owned by Farmers Group, Liberty Mutual, Meritplan Insurance part of Countrywide Financial Corp., Pacific Specialty Insurance, Allied Property & Casualty, AMCO Insurance ....
  
  
• HEADLINE #6b: More Taking Heat In The Media: Bad Faith Insurance Is A Conflicted And Common Practice Quietly Supported By State Regulators And Commissioners ... "Bribed Regulators Deceiving FBI Roil U.S. Insurance Customers".  Read An investigative report on the existence and some of the ways insurers bribes and inherent conflicts of interest within the system which make up the very foundation of the fragmented state insurance regulatory system. State government's regulatory agencies (Departments of Insurance) most often are found to be biased and extremely "favorable to insurance companies" and unjustly leave policyholders out in the cold. In addition, "regulators routinely come from industry jobs or go to them when they leave office" aka "the revolving door". The article references Departments of Insurance and identifies many such states insurance regulators/ commissioners.  Regarding "Bias Against Policyholders", "the conflicts that hinder state insurance oversight are also apparent at the National Association of Insurance Commissioners (NAIC). With the association and biased states insurance commissioners that make up the association, it's hard to expect consumers and policyholders can get an unbiased and fair shake.  Referenced insurers include Lovelace Sandia Health System Inc., State Farm, Safeway Insurance Co., Assurant Inc.  ...
  
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• HEADLINE #7: (FBIC Reports) For The 2008 Year Insurers Claims Denials and Claimant Settlement Related Complaints for all lines of insurance continued to rise even more significantly than in the past 2 years, an average increase of 10.3% (up from a 2006 escalated rate of 6.0% and increased 7.9% rate for 2007). With insurers claims denials and claimant settlement related complaints continuing to escalate and reveal a growing trend upwards from most recent prior years and with insurers dealing with a severe business climate and economic recession expected, FBIC forecasts insurers claims denials and related complaints for 2009 to maintain it's current heightened increased rate.
  
  
• HEADLINE #7a: (FBIC Reports) 2007 Insurer Claims Denials and Claimant Settlement Related Complaints for all lines of insurance rose an average 7.9% (up from a 2006 escalated rate of 6.0%) along with a corresponding increase in demand for plaintiff attorneys. The number of policyholder claims denials and related complaints increased in 2007 at escalated rates and up from 2006 for the following individual major lines of insurance and practice areas:
  
      Homeowner Up 11.2 % (up from an escalated 2006 rate of 9.0 %)
      Automobile Up 8.1 % (up from an escalated 2006 rate of 6.5 %)
      Health Up 5.9 % (up from an escalated 2006 rate of 4.3 %)
      Accident and Personal Injury Up 5.7 % (up from a 2006 rate of 4.6 %)
      Disability Up 12.1 % (up from an escalated 2006 rate of 9.0 %)
      Life Up 5.1 % (up from a 2006 rate of 4.4 %)
      Wrongful Death Up 6.7 % (up from a 2006 rate of 5.6 %)
      Property & Casualty Up 7.7 % (up from an escalated 2006 rate of 6.2 %)
      Workers Comp Up 9.9 % (up from an escalated 2006 rate of 7.4 %)
      Business Up 5.7 % (same increase as the 2006 rate)
  
  FBIC forecasts claims denials and related complaints for 2008 to continue to rise.
  
• HEADLINE #8: (A First ... Coming Soon) The FBIC Good Faith And Bad Faith Insurance Company Rankings For (A) Auto Insurers (B) Homeowner Insurers (C) Health, HMO and Disability Insurers. Although there are several companies that rate the financial strength of insurance companies, FBIC is the only company to rank insurers on their payment/non-payment of claims records. The lists represent the first time ever that insurance companies will be ranked by their willingness to pay claims (in good faith) or willingness to deny claims (in bad faith). ....
  
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  Help protect yourself ... FBIC asks all Americans not to buy insurance from bad faith insurers and only buy from good faith insurers. You can make a difference.
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• HEADLINE #9: At FBIC, Your Insurance Company Complaint Counts! ....
  
  
• HEADLINE #10:  FBIC Supports Washington State Insurance Fair Conduct Act Passed By The Legislature And Brought To The Public For A Vote. The WA State legislature passed (Senate: Yeas 31, Nays 18. / House: Yeas 59, Nays 38.) the "Engrossed Substitute Senate Bill 5726 (ESSB 5726) concerning the Insurance Fair Conduct of Claims for coverage or benefits, and ordered it referred by Petition to the voters for a vote. The Bill makes it unlawful for insurers to unreasonably deny certain coverage and claims, and allows for payment of treble damages and attorney fees for violations. Some health insurance carriers are excluded. Presently, there is no penalty for delaying or denying policyholders valid claims. This Bill helps to make the insurance industry treat policyholders and consumers fairly and makes sure claims are handled fairly. The Bill has bipartisan officials and consumer groups support and as expected is opposed by the insurance industry and bad faith insurers. Washington is one of only 5 states with no penalty when the insurance industry intentionally denies a valid claim or when an insurer commits bad faith. FBIC recommends to the voters of Washington state that they vote "Yes" on Referendum 67 to pass the bill. Click here to view the official text of the bill. Tally of the results of Washington state voters on Referendum 67 on November 6, 2007: Congressional Bill ESSB 5726 was Passed into law by the voters. Thanks to support from FBIC's membership and website audience, Washington State Trial Lawyers Association and other interested groups and citizens.
  
  
• HEADLINE #11: FBIC Spearheads Movement And Calls For The Resignation Of Connecticut State Insurance Commissioner Susan Cogswell. (FBIC Reports That The CT State Insurance Commissioner Cogswell Has Resigned This Day, Dec. 12, 2006) ....
  
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• HEADLINE #12:  Current Insurance Industry Events Includes Complete Coverage Of NY State Attorney General (AG) Eliot Spitzer's Office Investigation And Charges Of "Widespread Insurer Fraud And Corruption", Illegal Practices And Criminal Activities Amongst The Country's Largest Insurance Companies (Incl. Hartford, AIG, Etc.). The Investigation Focuses On Independent Insurance Agencies And Agents And Their Under The Table Behind The Scenes Kickbacks And Commissions Received From Insurers To Swing Sales Their Way. (State Farm And Allstate Use Their Own Agencies And Agents). Investigations Also Include: (a) Other States' Attorneys General (AG's) Although On A Much Lesser Basis; (b) Almost Non-existent Efforts By The States Departments Of Insurance (DOI's) And The National Association Of Insurance Commissioners (NAIC); (c) Also, Almost Non-Existent Investigations By Various Federal Government Agencies To Include Less Than A Half-hearted Effort By The Securities And Exchange Commissions (SEC) And The U.S. Department Of Justice (DOJ).
  
  How Well Or How Poorly Will This Scrutiny Of Our Country's Largest And More Well Known Insurers (i.e. Hartford, AIG, Etc.) Stand Up To Probes That At Best Just Scratch The Illegal Activities Surface Of These Insurers? The Answer: "Shamefully Poor, Reflecting An Industry Pervasive With Widespread Fraud And Criminal Activities" That Harbors Much More Criminal Activities, Fraud And Corruption Yet To Be Exposed.  FBIC Reports On Current Events Of These Select Investigations Of The Insurance Industry's Darker Sides And More, Exposing The Illegal Practices, Civil And Criminal Charges Brought (Or Lack Thereof) Against Hartford, AIG, Marsh & McLennan, And More Insurance Companies By:
  
  

  States AG's

  The SEC And DOJ Federal Agencies

  States DOI's And The NAIC

  Other Related Investigations And Lawsuits Against Insurers

  Current Events And Goings-On In The Insurance Industry

  
  This FBIC Report Chronicles The Comprehensive And The Whole Story Covering Updates And News Breaks As AG Spitzer's Office And Other State AG's Investigations Only Look Into Fraudulent Activities In The 'Sales' End Of Companies Such As Hartford, AIG, Marsh & McLennan And Many More Insurers But Avoid The Criminally Intensive 'Claims' Area Where It Is Very Well Known And No Secret That Bad Faith Insurance Practices And Widespread Fraud And Corruption By Companies Such As State Farm, Allstate, Hartford And Many More Major Insurers As Reported To FBIC Are Far More Rampant And Pervasive And Subsequently Knows No Illegal Bounds. 
  
  The Investigations As They Play Out Indicate That The SEC (And DOJ) Primarily Limits Their Investigations Into Deceptive Finite Reinsurance Practices And Fraudulent Accounting Practices ... And Even Where There Is Evidence Of Criminality, The SEC Stays Clear Of Such Other Areas Where Insurance Companies Criminality Is Strongly Alleged To Exist.  Furthermore At Best, The States' Insurance Regulatory DOI's Agencies' And Insurance Commissioners Say One Thing But Do Just The Opposite And Intentionally Look The Other Way Shirking Their Responsibilities To Investigate On Behalf Of The American People And State Citizens.
  
  Of Note, This FBIC Report And Chronicle Reflects And Ultimately Indicates As You Can See By:
  
  (1) FBIC's "Introduction Sections" In Part Says It Like It Is As To Whether These Agencies' Investigations Are For Real Or Disingenuous And Just An Illusion To Deceive The American Public. 
  (2) FBIC's "Headlines Sections" Are A Must-Read Brief Comprehensive Overview Which Tell The Real Stories As To Whether Each Of The Agencies Investigations And Lawsuits Are For Real Or Not (Where They Announce Intentions To Investigate And/Or Bring A Lawsuit/Lawsuits But Then Do Nothing Or Completely Drop The Investigations And Lawsuits Later When No One Is Looking In Complete Disregard Of The Public Interest.  Reading Just The Headlines Is A Brief Must-Read Which In Many Cases Tells You The Whole Story As To Whether There Is Follow Through Or Lack Thereof By The Agencies. Where The Agencies Dropped The Ball Completely On A Specific Investigation (Or Dropped It With Just A Slap On The Hands Without Reporting It) FBIC Contacted The Agencies For Comment As To The Final Result Of Investigation Or Lawsuits But Received No Reply Or Comment. 
  (3) FBIC's "Library Articles Section" Provides And Reports The Complete Text Of Each Of The Articles Headlines By The Major Media Companies.  (4) In Sum, With So Much Fraud Exposed In One Industry, Now What?  Will There Be Any Change? Will The States Insurance Regulatory Authorities Continue To Have Exclusive Regulatory Authority Over The Insurance Industry Or Will The Federal Government Step In To Share Their Much Needed Oversight Over Our Country's Out Of Control Insurance Industry? Will The U.S. Government Will At Least Rescind The Archaic And Completely Unnecessary McCarron-Ferguson Act Of 1945 To Help Level The Playing Field Between The Powerful Insurance Industry Insurers Vs. The Public And Consumers?
  
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  Help protect yourself ... FBIC asks all Americans not to buy insurance from bad faith insurers and only buy from good faith insurers. You can make a difference.
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• HEADLINE #13:  WHO IS REALLY RESPONSIBLE FOR DENIED CLAIMS OR PAYING CLAIMS? This was the subject of a recent trial in Ohio whereby a jury found Centre Life Insurance and Disability Management Services, the defendants, guilty of breach of insurance contract awarding $429,400 in compensatory damages, guilty of bad faith insurance practices with an award of $1,130,000 and a punitive damages award of $3 million.
  
  FBIC researchers found three explosive 'legal' court documents from Stark County Ohio. The first document is brief and best describes one of the ways that an insurer-Centre Life f/k/a Massachusetts Casualty, a third party administrator -Disability Management Services a/k/a DMS, and an affiliate reinsurer-Centre Reinsurance, which owns 40% of DMS, work in combination to intentionally evade payment of legitimate claims ... even going as far as falsifying information to an insurance commission. The second document is a more lengthy deposition, that of the President of Centre Life Insurance Company. The third document is the bad faith and punitive damages jury award.  A copy of these three must read eyebrow-raising court documents are contained herein.
  
  
• HEADLINE #14:  Attention All America's Workers:  Now, Upon Settlement Of Workers Compensation (WC)  Claims, Insurers Want You To Pay Them Back For All $$$ Amounts, Medical Bills And Healthcare Costs They Pay Out On Your WC Insurance Benefits Coverage, Leaving You With $ Zero Or Worse Yet $ Owing ... Outrageous! In Congress H.R. 2830, Sect. 307 and a similar bill in the Senate does just that. As part of the Pension Reform Bill, insurers have succeeded in having a provision quietly added to the House version and passed which ensures in all cases that the insurance company providing healthcare services will be paid back first in the event of a settlement. An attempt by insurers to add this same provision to the Senate version must be STOPPED NOW or The American Public Will Lose. Thanks to:  American Association for Justice (fmrly ATLA), FBIC,  FBIC's members and website audience, Congressional Bill H.R. 2830, SECT. 307 Was Defeated.
  
  
• HEADLINE #15: Authoritative Insurance Industry "White Paper" Provides Substantiated Documentation, Conclusive Evidence And Undeniable And Irrefutable Proof That Large Claims Are Willingly And Intentionally Being Denied And Not Paid. It Further Supports FBIC Bad Faith Insurance Data That The Unlawful Non-Payment Of Legitimate Claims, Mass Denials Of Coverage, And The Widespread Use Of Related Breach of Contract and Bad Faith Insurance Claims Practices Is More The Norm If Not Standard Operating Procedure By Many Of Our Country's Largest Insurers.  The Authoritative "White Paper" Stands On Its Own As An Indictment To The Growth Of Unlawful Bad Faith Insurance Practices During The Past 2-3 Decades Which Today Has Reached Epidemic Proportions. It Is Authored By A Former New York State Superintendent Of Insurance And Former President Of The NAIC (National Association Of Insurance Commissioners). Read All (And We Do Mean All) About The Insurance Industry Behind Closed Doors That Americans Don't Know About And Is The Complete Opposite Of What They Want You To Believe ... Don't Miss This Comprehensive Major FBIC Feature Story.
  
  ===========================================================  FBIC is Supported and Funded by Contributions from the Public
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• HEADLINE #16: Another Former Insurance Commissioner, Insurance Industry Insider Speaks Out And Says It Like It Really Is Inside The Insurance Business And Industry, As He Shares His First-hand Knowledge And Experience With Us.  His Generous Documentation Confirms The Deceptive Sales Practices, Unlawful Mass Denied Claims And Widespread Denials Of Legitimate Claims Not Paid, The Pervasive Breach of Contract and Bad Faith Insurance Claims Practices Being Used By Many Of Our Country's Leading And Largest Insurers. In Support Of FBIC Bad Faith Insurance Claims Practices Facts, Statistical Data And Allegations, This Former Pennsylvania State Insurance Commissioner, Insurance Industry Former Insider And Advocate Tells It All ... Don't Miss His Compendium Of Articles, Advice And Insight Into The Insurance Industry And It's Practices. All American Consumers Should Recognize And Thank This Insurance Industry Insider For Being Brave Enough To Come Forward And Tell Us All About The Way It Really Is Behind The Wall Of Silence Of The Insurance Industry.
  
  
• HEADLINE #17: View Professionally Produced Videos And Investigative Exposés By The Major Television Networks (Free Of Charge On This Website) And See With Your Own Eyes Some Of The Common Bad Faith Insurance Claims Practices And The Extent That Major Insurers Are Involved In Widespread Corruption And Illegal Activities Involving Claims That Are Willingly Denied And Not Paid. The Videos Reveal Well Known Major Insurers Caught In The Act Of Committing Illegal And Deceptive Acts, And Phony Schemes Repeatedly Utilized By Numerous Bad Faith And Major Insurers To Deny Coverage And Not Pay Legitimate Claims ... Watch Them And You Be The Judge ....
  
  
• HEADLINE #18: Managed Healthcare Watch ... FBIC Reports On Bad Faith Insurance And Fraudulent Breach of Contract Activities By Managed Healthcare Companies And Their Partners ....
  
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  Help protect yourself ... FBIC asks all Americans not to buy insurance from bad faith insurers and only buy from good faith insurers. You can make a difference.
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• HEADLINE #19: Medicare And The 2003 Prescription Drug Act Watch ... FBIC Reports On The Status Of Medicare And Frauds Committed Against Medicare.  FBIC Further Reports On The Medicare 2003 Prescription Drug Act As It Plays Out ... The Missed Steps Right From The Start Includes: (1) A Spendthrift Unnecessary $10B-$12B Financial Windfall Payment To Managed Healthcare Insurers With No Prescription Drug 'Insurance' Plan Or 'Insurance' Coverage?    (2) An Agreement Not To Negotiate Volume Discount Deals Or The Lowest Prices With Drug Companies, And Its A Prescription Drug Discount Card? (3) With No Medicare Plan Insurance And Unable To Negotiate Volume Discounts From Manufacturers, What Kind Of A Medicare Prescription Discount Drug Plan (Or Scam) Is This For America's Seniors? ....
  
  
  
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