................... Insurance Claimants And Policyholders :    Are You Having Problems Getting Paid On An Insurance Claim?    Or, Are You Buying Or Renewing Your Insurance And Finding That You Are Concerned And Asking Yourself Whether Your Insurance Company Will Cover You In The Event Of A Claim?    .... If So, FBIC Is Here To Help And To Let You Know That You Are Not Alone   ...   In Fact There Are Many Hundreds Of Thousands Upwards To A Million And More Claimants Across The U.S. Having To Hire A Lawyer To Get Paid On A Claim.   FBIC's Exclusive U.S. Plaintiff Insurance "FIND-A-LAWYER" Directory Is The Only Lawyer Locator Of It's Kind Where Claimants Can Find An Insurance Attorney In Their Local Area To Help, Advise And Represent Them.  Thousands Of Claimants And Policyholders Regularly Visit The Comprehensive FBIC Insurance Resource Center, The #1 Consumer Insurance And Claim Related Source In The U.S.   Citizens And Policyholders Are Able To Resource FBIC's Exclusive And Invaluable Ranking Information On Insurers Good Faith And Bad Faith Payment Of Claims Records And Related Information When Purchasing Or Renewing Their Insurance.   Policyholders And Claimants Are Able To Resource, Get Help And Assistance, Use FBIC's Exclusive Plaintiff Insurance FIND-A-LAWYER Directory And Also Submit An Insurance Complaint To FBIC Using The Online Website "Bad Faith Survey", The One Place Where Consumer And Business Insurance Claim Related Complaints Count ... And Much More!

• HEADLINE #1-299 (October 5, 2009) Insurance-Financial Services: AIG, Hartford Losses Have Customers Seeking Mutual Insurers.
• HEADLINE #1-298 (October 1, 2009) Insurance-Financial Services: Top 10 Reasons Insurers Are Non-Compliant.
• HEADLINE #1-297 (September 29, 2009) Insurance-Financial Services: Keep NAIC Out Of Health Reform Rule-Making, Say Consumers.
• HEADLINE #1-296 (September 16, 2009 - Current FBIC Exclusive) (1) The Status Of The Healthcare Insurance Reform Bill, (2) The Lack Of Competition And Limited Number Of Healthcare Insurer Companies' Inherent In Many If Not Most States And Markets In The U.S. Is Healthcare's #1 Problem, And Should Be (3) The First 'Step' And Foremost 'Part' Of Healthcare Reform's #1 Solution.
  
  Resolving Healthcare's #1 Biggest Problem ^*
  Source: FBIC Complaints Markets Analysis
  September 16, 2009 (Last Updated September 20, 2009)
  
• Status Of The Healthcare Reform Bill - Hoping that healthcare reform would assist FBIC in it's mission to stop pervasive bad faith (health) insurance companies practices and stop or curb growing consumer healthcare insurance costs escalating exclusively to the benefit of excessive, outrageous health insurers profits, FBIC skepticism grows at this time as to whether a meaningful healthcare reform bill with 'any' teeth in being able to lower costs, protecting insureds and decreasing the uninsureds roles can result. Instead FBIC sees more of the same shameful political shenanigans surfacing with the possibility of a Public or similar competitive option and/or other pro-consumer insureds healthcare insurance rights disappearing and being minimized. Unfortunately, FBIC more-and-more sees the formation of a Healthcare Reform Bill the result of which is more of the same which only adds many of the 46-48 million uninsureds to the same predatory broken healthcare system and the revenue roles only benefiting those same (bad faith) health insurers with little or no healthcare reform and nothing to offset, balance or prevent the same escalating consumers healthcare costs. (9/14) President Obama Today In A Statement Announced That In The (Remaining) Proposed Healthcare Reform Bill "Health, Insurers Will No Longer Be Allowed To Get In Between Doctors And Their Patients" ... Is That What The Proposed Healthcare Reform Bill Still Being Hammered Out Behind Closed Doors Now Has Come Down To (And Can We Really Believe That Even That Issue Will Be Sustained). When will our elected politicians realize that they are there to represent the people and do what's best for our country but instead, in contrast to their rhetoric, their actions solely reflect what's best for the biggest, greediest, most dishonest (bad faith) health insurance companies which are the winners again and is exactly why we find ourselves in our (health insurance) economic crisis in the first place ... and subsequently the people and our country lose again;
• #1 Problem: Lack Of Competition in many if not most states, markets and areas where there is no competition or a lack of competition of health insurance companies. There is no competition or a lack of competition or alternatives in many if not most states and local areas and markets in the U.S. where just one or two large health insurers (i.e. United Healthcare, BlueCross Blue Shield, etc.) control 50%-60% up to 80% or more of the local area's health insurance market dollar revenues (aka monopoly or duopoly);
• #1 Solution: Creating Competition utilizing a U.S. Government Health Insurance Program Option with a built in trigger limited to selected areas where such health insurance companies' monopolies and duopolies exist now and may arise in the future should be the first step for implementation. Initially and for starters, the potentially national program can/should be started (tested) in one and/or several select local area(s) in predetermined existing monopoly and/or duopoly markets and areas. The program can then be expanded or rolled out nationally according to schedule as planned or as needed. Furthermore as desired in the selected areas, either or both the 'minimum' amount of marketshare that the private sector health insurers might lose along with the 'maximum' amount of share that the Public Government Program would be allowed to garner could be 'limited' as well as 'regulated' according to preferred rules and conditions. Accordingly, each local program at any time can be continued and maintained, or discontinued and transferred or spun-off depending upon its deemed success, failure or preference. (Alternatives such as local state or regional health insurance Co-ops and/or Exchanges structured programs in these same areas will not work as an initial structure for many proven reasons. One major and primary reason is the likelihood or possibility of not being able to reach critical mass which would require the success of many and other local states and market programs to be achieved, each requiring costly public subsidies, and limitations in ever being able to be cost effective on its own and/or lower healthcare costs);
  * As indicated, it should be of no surprise that an overwhelming share, number and majority of the many thousands of FBIC bad faith and other related insurance complaints and surveys received from consumers nationally, esp. those relating to health insurance problems, have a tendency to stem for the most part from states (and/or markets) where some major health insurers control and service predominantly monopolistic or duopolistic areas, where there is less or a lack of competition, and limited, little or no choice of other available and competitive health insurers.
• HEADLINE #1-295a (August 31, 2009) Insurance-Financial Services: Life Insurance Sales Post Biggest Drop Since 1942.
• HEADLINE #1-295 (August 6, 2009-Present) Healthcare Insurance Reform: FBIC, Consumers Overwhelmingly Agree That: "A Public Option Is Essential And Necessary For Healthcare Reform, However It Will Not Stop Bad Faith Health Insurance Companies' Culture Of Dishonesty And Greed".
• HEADLINE #1-294 (August 5, 2009) Insurance-Financial Services: Marsh & McLennan Posts Loss on Third Kroll Writedown.
• HEADLINE #1-293 (August 4, 2009) Insurance-Financial Services: Humana Posts 34% Profit Hike on Lower Medicare Drug Expenses.
• HEADLINE #1-292 (August 1, 2009) Insurance-Financial Services: New Study Indicates a Majority of Seniors on Fixed Incomes Overpay for their Medicare Supplements.
• HEADLINE #1-291 (August 1, 2009) Insurance-Financial Services: Manulife Faces Proposed Class Action for 'Misleading Statements'.
• HEADLINE #1-290 (July 31, 2009) Insurance-Financial Services: Pelosi Blasts McConnell for Echoing 'Immoral' Health Insurers.
• HEADLINE #1-289b (July 30, 2009) Insurance-Financial Services: MetLife posts $1.4 billion quarterly net loss.
• HEADLINE #1-289a (July 30, 2009) Insurance-Financial Services: Cigna 2Q profit climbs, enrollment falls.
• HEADLINE #1-289 (July 30, 2009) Insurance-Financial Services: Aon 2nd-quarter profit plunges.
• HEADLINE #1-288a (July 29, 2009) Insurance-Financial Services: WellPoint 2Q profit, enrollment, stock tumble.
• HEADLINE #1-288 (July 29, 2009) Insurance-Financial Services: Louisiana insurance chief loses records fight.
• HEADLINE #1-287 (July 29, 2009) Insurance-Financial Services: Conseco Rises on Quarterly Profit, Loan Compliance.
• HEADLINE #1-286 (July 29, 2009) Insurance-Financial Services: Assurant Posts Quarterly Profit Gain After Settlement.
• HEADLINE #1-285 (July 28, 2009) Insurance-Financial Services: Liberty Mutual Profit Falls 8.7% on Private Equity.
• HEADLINE #1-284a (July 27, 2009) Insurance-Financial Services: Aetna 2Q profit falls on higher-than-expected cost.
• HEADLINE #1-284 (July 27, 2009) Insurance-Financial Services: Ace Second-Quarter Profit Falls 28% on Investments.
• HEADLINE #1-283 (July 23, 2009) Insurance-Financial Services: Chubb Posts Profit Gain, Raises Full-Year Forecast.
• HEADLINE #1-282 (July 22, 2009) Insurance-Financial Services: Buffett's Berkshire Hathaway Reduces Moody's Stake.
• HEADLINE #1-281a (July 21, 2009) Insurance-Financial Services: UnitedHealth 2Q Profit Jumps on Premium, Medicare Gains, Membership Declines.
• HEADLINE #1-281 (July 21, 2009) Insurance-Financial Services: FBIC, Consumers Overwhelmingly Agree That: "A Public Option Is Essential And Necessary For Healthcare Reform, However It Will Not Stop Bad Faith U.S. Private Healthcare's Pervasive Dishonesty".
• HEADLINE #1-280 (July 14, 2009) Insurance-Financial Services: Industry Bashes Michigan 'Bad Faith' Legislation.
• HEADLINE #1-279 (July 13, 2009) Insurance-Financial Services: Mich. Democrats take aim at insurance denials.
• HEADLINE #1-278 (July 8, 2009) Insurance-Financial Services: Obama renews support for public insurance plan.
• HEADLINE #1-277 (July 6, 2009) Insurance-Financial Services: UnitedHealth Gets Approval for Massive Stock Options Settlement Case.
• HEADLINE #1-276 (July 6, 2009) Insurance-Financial Services: National Health Insurer Code of Conduct Hits 1000 Signatures of Support.
• HEADLINE #1-275 (July 6, 2009) Insurance-Financial Services: How To Check Your Life Insurer's Health.
• HEADLINE #1-274 (July 6, 2009) Insurance-Financial Services: FBIC, Consumers Agree: "Although A Public Option Is Essential And Necessary For U.S. Healthcare Reform, It Will Not Stop Bad Faith Private Healthcare's Pervasive Dishonesty".
  
• HEADLINE #1-273 (July 3, 2009) Insurance-Financial Services: Stanford Clients Sue Third Largest Insurance Broker Willis Group Claiming Insurer Aided Fraud.
• HEADLINE #1-272 (July 3, 2009) Insurance-Financial Services: Kennedy Plan Calls for Government Health Program, Employer Fees.
• HEADLINE #1-271 (July 1, 2009) Insurance-Financial Services: Kennedy Seeks Public Health Insurance Plan That Finances Self.
• HEADLINE #1-270 (June 26, 2009) Insurance-Financial Services: Former P.R. Chief for Cigna Urges U.S. Lawmakers to Include Government Option in Health Reform.
• HEADLINE #1-269 (June 26, 2009) Insurance-Financial Services: Fitch Report: Statutory Capital Declines for Most US Life Insurers.
• HEADLINE #1-268 (June 26, 2009) Insurance-Financial Services: Consumers Urge DC Council to Make Insurers Accountable In Court For Unfairly Delaying, Denying, Not Paying Insurance Claims.
• HEADLINE #1-267 (June 25, 2009) Insurance-Financial Services: Obama says insurers profit with his health plan.
• HEADLINE #1-266 (June 24, 2009) Insurance-Financial Services: Senator: Use of faulty insurance data 'pervasive'.
• HEADLINE #1-265 (June 24, 2009) Insurance-Financial Services: Obama Spars With Insurers On Health Care.
• 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-134 Hartford Financial Services aka The Hartford Insurance (NYSE: HIG real-time stock price): (Oct. 5, 2009) AIG, Hartford Losses Have Customers Seeking Mutual Insurers. Note That FBIC First Called The Hartford's Demise October 2, 2008 And Repeatedly Warned Consumers That The Hartford Will Fail, File For Bankruptcy Protection And/Or Become Insolvent (As The Hartford Is Believed Approaching Insolvency If Not Already Insolvent) Which Will Wipe Out All Investors, Shareholders, Bondholders, Creditors And Jeopardize Policyholders. (See Previous Cumulative Substantiating Operational And Financial Information).
• HEADLINE #1a-133 Hartford Financial Services aka The Hartford Insurance (NYSE: HIG real-time stock price): (Oct. 1, 2009) The Hartford Insurance kickbacks fraud case goes to the jury. Note That FBIC First Called The Hartford's Demise October 2, 2008 And Repeatedly Warned Consumers That The Hartford Will Fail, File For Bankruptcy Protection And/Or Become Insolvent (As The Hartford Is Believed Approaching Insolvency If Not Already Insolvent) Which Will Wipe Out All Investors, Shareholders, Bondholders, Creditors And Jeopardize Policyholders. (See Previous Cumulative Substantiating Operational And Financial Information).
• HEADLINE #1a-132 Hartford Financial Services aka The Hartford Insurance (NYSE: HIG real-time stock price): (Sept. 30, 2009) Hartford Hires Bank of America’s McGee as CEO After Bailout. Note That FBIC First Called The Hartford's Demise October 2, 2008 And Repeatedly Warned Consumers That The Hartford Will Fail, File For Bankruptcy Protection And/Or Become Insolvent (As The Hartford Is Believed Approaching Insolvency If Not Already Insolvent) Which Will Wipe Out All Investors, Shareholders, Bondholders, Creditors And Jeopardize Policyholders. (See Previous Cumulative Substantiating Operational And Financial Information).
• HEADLINE #1a-131 Hartford Financial Services aka The Hartford Insurance (NYSE: HIG real-time stock price): (Sept. 26, 2009) AIG Says The Hartford Shortchanged Worker Compensation Pools. Note That FBIC First Called The Hartford's Demise October 2, 2008 And Repeatedly Warned Consumers That The Hartford Will Fail, File For Bankruptcy Protection And/Or Become Insolvent (As The Hartford Is Believed Approaching Insolvency If Not Already Insolvent) Which Will Wipe Out All Investors, Shareholders, Bondholders, Creditors And Jeopardize Policyholders. (See Previous Cumulative Substantiating Operational And Financial Information).
• HEADLINE #1a-130 Hartford Financial Services aka The Hartford Insurance (NYSE: HIG real-time stock price): (August 12, 2009) The Hartford Ordered to Refund $48 Million To Florida Businesses. Note That FBIC First Called The Hartford's Demise October 2, 2008 And Repeatedly Warned Consumers That The Hartford Will Fail, File For Bankruptcy Protection And/Or Become Insolvent (As The Hartford Is Believed Approaching Insolvency If Not Already Insolvent) Which Will Wipe Out All Investors, Shareholders, Bondholders, Creditors And Jeopardize Policyholders. (See Previous Cumulative Substantiating Operational And Financial Information).
• HEADLINE #1a-129 Hartford Financial Services aka The Hartford Insurance (NYSE: HIG real-time stock price): (July 30, 2009) Class Action Suit Filed Against The Hartford for Non-Payment, Underpayment of 10-24-2005 Hurricane Wilma Claims. Note That FBIC First Called The Hartford's Demise October 2, 2008 And Repeatedly Warned Consumers That The Hartford Will Fail, File For Bankruptcy Protection And/Or Become Insolvent (As The Hartford Is Believed Approaching Insolvency If Not Already Insolvent) Which Will Wipe Out All Investors, Shareholders, Bondholders, Creditors And Jeopardize Policyholders. (See Previous Cumulative Substantiating Operational And Financial Information).
• HEADLINE #1a-128 Hartford Financial Services aka The Hartford Insurance (NYSE: HIG real-time stock price): (July 30, 2009) The Hartford Reports $15 Million Loss In Second Quarter. Note That FBIC First Called The Hartford's Demise October 2, 2008 And Repeatedly Warned Consumers That The Hartford Will Fail, File For Bankruptcy Protection And/Or Become Insolvent (As The Hartford Is Believed Approaching Insolvency If Not Already Insolvent) Which Will Wipe Out All Investors, Shareholders, Bondholders, Creditors And Jeopardize Policyholders. (See Previous Cumulative Substantiating Operational And Financial Information).
• HEADLINE #1a-127 Hartford Financial Services aka The Hartford Insurance (NYSE: HIG real-time stock price): (July 29, 2009) The Hartford Posts 2nd Quarter Loss. Note That FBIC First Called The Hartford's Demise October 2, 2008 And Repeatedly Warned Consumers That The Hartford Will Fail, File For Bankruptcy Protection And/Or Become Insolvent (As The Hartford Is Believed Approaching Insolvency If Not Already Insolvent) Which Will Wipe Out All Investors, Shareholders, Bondholders, Creditors And Jeopardize Policyholders. (See Previous Cumulative Substantiating Operational And Financial Information).
• HEADLINE #1a-126 Hartford Financial Services aka The Hartford Insurance (NYSE: HIG real-time stock price): (July 16, 2009) SEC Charges Five, Including The Hartford's Financial Analyst, With Insider Trading Related to Liberty Mutual Purchase of Safeco. Note That FBIC First Called The Hartford's Demise October 2, 2008 And Repeatedly Warned Consumers That The Hartford Will Fail, File For Bankruptcy Protection And/Or Become Insolvent (As The Hartford Is Believed Approaching Insolvency If Not Already Insolvent) Which Will Wipe Out All Investors, Shareholders, Bondholders, Creditors And Jeopardize Policyholders. (See Previous Cumulative Substantiating Operational And Financial Information).
• HEADLINE #1a-125 Hartford Financial Services aka The Hartford Insurance (NYSE: HIG real-time stock price): (July 16, 2009) The Hartford Names Andrade to Head PC Operations. Note That FBIC First Called The Hartford's Demise October 2, 2008 And Repeatedly Warned Consumers That The Hartford Will Fail, File For Bankruptcy Protection And/Or Become Insolvent (As The Hartford Is Believed Approaching Insolvency If Not Already Insolvent) Which Will Wipe Out All Investors, Shareholders, Bondholders, Creditors And Jeopardize Policyholders. (See Previous Cumulative Substantiating Operational And Financial Information).
• HEADLINE #1a-124 Hartford Financial Services aka The Hartford Insurance (NYSE: HIG real-time stock price): (July 7, 2009) Hartford Lawsuit Accuses Arch of Poaching Employees, Business. Note That FBIC First Called The Hartford's Demise October 2, 2008 And Repeatedly Warned Consumers That The Hartford Will Fail, File For Bankruptcy Protection And/Or Become Insolvent (As The Hartford Is Believed Approaching Insolvency If Not Already Insolvent) Which Will Wipe Out All Investors, Shareholders, Bondholders, Creditors And Jeopardize Policyholders. (See Previous Cumulative Substantiating Operational And Financial Information).
• HEADLINE #1a-123 Hartford Financial Services aka The Hartford Insurance (NYSE: HIG real-time stock price): (July 3, 2009) Hartford Sues Arch Over Hiring of New York Employees Defections ... Arch Alleging-Indicating Jump Ship Now Before As The Hartford Sinks, Goes Down. Note That FBIC First Called The Hartford's Demise October 2, 2008 And Repeatedly Warned Consumers That The Hartford Will Fail, File For Bankruptcy Protection And/Or Become Insolvent (As The Hartford Is Believed Approaching Insolvency If Not Already Insolvent) Which Will Wipe Out All Investors, Shareholders, Bondholders, Creditors And Jeopardize Policyholders. (See Previous Cumulative Substantiating Operational And Financial Information).
• HEADLINE #1a-122 Hartford Financial Services aka The Hartford Insurance (NYSE: HIG real-time stock price): (June 29, 2009) Fitch Downgrades Hartford's Debt Following Receipt of TARP Funds. The Hartford Will Fail, File For Bankruptcy Protection And/Or Become Insolvent (As The Hartford Is Believed 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-121 Hartford Financial Services aka The Hartford Insurance (NYSE: HIG real-time stock price): (June 26, 2009) Hartford takes all of $3.4 billion from TARP. The Hartford Will Fail, File For Bankruptcy Protection And/Or Become Insolvent (As The Hartford Is Believed 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-120 Hartford Financial Services aka The Hartford Insurance (NYSE: HIG real-time stock price): (June 25, 2009) The Hartford Buys Money Losing Bank In Step To Receive $3.4B Federal Bailout. The Hartford Will Fail, File For Bankruptcy Protection And/Or Become Insolvent (As The Hartford Is Believed 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-119 Hartford Financial Services aka The Hartford Insurance (NYSE: HIG real-time stock price): (June 24, 2009) The Hartford Buys Bank To Get $3.4B Federal Bailout Funds. The Hartford Will Fail, File For Bankruptcy Protection And/Or Become Insolvent (As The Hartford Is Believed 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-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 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 Insurance (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 Insurance (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 Insurance (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 Insurance (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 Insurance (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 Insurance (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 Insurance (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 Insurance (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 Insurance (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 Insurance (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 Insurance (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 Insurance (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 Insurance (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 Insurance (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 Insurance (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 Insurance (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 Insurance (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 Insurance (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 Insurance (NYSE: HIG): The Hartford To Cut 500 Jobs Across Country.
• HEADLINE #1a-23 (Nov. 3, 2008) Hartford Financial Services aka The Hartford Insurance (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 Insurance (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 Insurance (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 Insurance (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 Insurance (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 Insurance (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 Insurance (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 Insurance (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 Insurance (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 Insurance (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 Insurance (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 Insurance (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 Insurance (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 Insurance (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 Insurance (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 Insurance (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 Insurance (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 Insurance (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 Insurance (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 Insurance (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 Insurance (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 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-114 American International Group aka AIG (NYSE: AIG real-time stock price): (Oct. 5, 2009) AIG, Hartford Losses Have Customers Seeking Mutual Insurers.
  
• HEADLINE #1b-113 American International Group aka AIG (NYSE: AIG real-time stock price): (Sept. 26, 2009) AIG Says Liberty Mutual, Hartford Shortchanged Worker Compensation Pools.
  
• HEADLINE #1b-112 American International Group aka AIG (NYSE: AIG real-time stock price): (Sept. 15, 2009) AIG-Gen Re Case Informer Richard Napier Gets Probation.
  
• HEADLINE #1b-111 American International Group aka AIG (NYSE: AIG real-time stock price): (August 14, 2009) AIG Update: Ohio Attorney General Reaches $115 Million Settlement With Greenberg.
  
• HEADLINE #1b-110 American International Group aka AIG (NYSE: AIG real-time stock price): (August 6, 2009) Ex-AIG CEO Greenberg settles SEC fraud charges.
  
• HEADLINE #1b-109 American International Group aka AIG (NYSE: AIG real-time stock price): (August 4, 2009) AIG's New Top Exec Benmosche in 'Race Against Time' to Fix Insurer.
  
• HEADLINE #1b-108 American International Group aka AIG (NYSE: AIG real-time stock price): (July 28, 2009) AIG Unit Keeps $2.4 Billion From Sales as U.S. Waits.
  
• HEADLINE #1b-107 American International Group aka AIG (NYSE: AIG real-time stock price): (July 20, 2009) Morgan Stanley Selected as Fed Adviser for AIG Transactions.
  
• HEADLINE #1b-106 American International Group aka AIG (NYSE: AIG real-time stock price): (July 17, 2009) AIG Swaps May Take Decades to Expire Leaving a ‘Toxic Pool’.
  
• HEADLINE #1b-105 American International Group aka AIG (NYSE: AIG real-time stock price): (July 9, 2009) AIG Stock May Have Zero Value After U.S. Repaid, Citigroup Says.
  
• HEADLINE #1b-104 American International Group aka AIG (NYSE: AIG real-time stock price): (July 1, 2009) AIG Closes $1.9B Sale Of US Auto-Insurance Ops To Zurich Managed Farmers Insurance.
  
• HEADLINE #1b-103aAmerican International Group aka AIG (NYSE: AIG real-time stock price): (FBIC Reports June 30, 2009) AIG Without Usual Formalities, Notice Does A Reverse 20-For-One Stock Split.
  
• HEADLINE #1b-103 American International Group aka AIG (NYSE: AIG real-time stock price): (June 26, 2009) AIG moves to spin off 2 units, reduce gov't debt by $25B.
  
• HEADLINE #1b-102 American International Group aka AIG (NYSE: AIG real-time stock price): (June 22, 2009) AIG Trading Partners Squeeze Insurer Before Bailout.
  
• HEADLINE #1b-101 American International Group aka AIG (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 (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 (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 (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 (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 (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 (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 (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 (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 (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 (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 (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 (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 (NYSE: AIG real-time stock price): (May 8, 2009) AIG Loss Narrows, No New Bailout Plan.
  
• HEADLINE #1b-87 American International Group aka AIG (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 (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 (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 (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 (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 (NYSE: AIG real-time stock price): (April 20, 2009) AIG Completes Preferred Stock Sale To Government.
  
• HEADLINE #1b-81 American International Group aka AIG (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 (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 (NYSE: AIG real-time stock price): (April 20, 2009) TARP Auditing AIG’s Counterparty Payments.
  
• HEADLINE #1b-78 American International Group aka AIG (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 (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 (NYSE: AIG real-time stock price): (April 7, 2009) US Lawsuit Accuses AIG Of Inflating Bonuses.
  
• HEADLINE #1b-75 American International Group aka AIG (NYSE: AIG real-time stock price): (April 2, 2009) Investors Seek Ouster Of AIG Compensation Chief.
  
• HEADLINE #1b-74 American International Group aka AIG (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 (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 (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 (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 (NYSE: AIG real-time stock price): (March 30, 2009) Dems Question AIG Transactions.
  
• HEADLINE #1b-69 American International Group aka AIG (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 (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 (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 (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 (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 (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 (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 (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 (NYSE: AIG real-time stock price): (March 18, 2009) The Real AIG Outrage.
  
• HEADLINE #1b-60 American International Group aka AIG (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 (NYSE: AIG real-time stock price): (March 16, 2009) AIG Faces Growing Wrath Over Payouts.
  
• HEADLINE #1b-58 American International Group aka AIG (NYSE: AIG real-time stock price): (March 7, 2009) Who Got AIG's Bailout Billions?
  
• HEADLINE #1b-57 American International Group aka AIG (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 (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 (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 (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 (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 (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 (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 (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 (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 (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 (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 (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 (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 (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 (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 (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 (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 (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 (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 (NYSE: AIG): Greenberg Says AIG Chief Liddy Not Equipped to Run Firm.
  
• HEADLINE #1b-37 (Dec. 22, 2008) American International Group aka AIG (NYSE: AIG): AIG Selling Hartford Steam Boiler To Munich Re At $458M Loss.
  
• HEADLINE #1b-36 (Dec. 17, 2008) American International Group aka AIG (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 (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 (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 (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 (NYSE: AIG): AIG: Wall Street Journal Wrong on Report on $10 Billion Portfolio.
  
• HEADLINE #1b-31 (Dec. 10, 2008) American International Group aka AIG (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 (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 (NYSE: AIG): AIG Working To Settle $10b Of Investment Losses.
  
• HEADLINE #1b-28 (Dec. 8, 2008) American International Group aka AIG (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 (NYSE: AIG): AIG May Double Some Salaries With Retention Payments.
  
• HEADLINE #1b-26 (Dec. 3, 2008) American International Group aka AIG (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 (NYSE: AIG): Greenberg Has Questions For Liddy.
  
• HEADLINE #1b-24 (Dec. 3, 2008) American International Group aka AIG (NYSE: AIG): Rep. Conyers Demands AIG Data On Retention Bonuses.
  
• HEADLINE #1b-23 (Nov. 26, 2008) American International Group aka AIG (NYSE: AIG): Treasury AIG Receives Capital Injection Of $40B.
  
• HEADLINE #1b-22 (Nov. 26, 2008) American International Group aka AIG (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 (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 (NYSE: AIG): Competitors Question AIG Moves.
  
• HEADLINE #1b-19 (FBIC Reports Nov. 20, 2008) American International Group aka AIG (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 (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 (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 (NYSE: AIG): Meltdown 101 Why Did the AIG Bailout Get Bigger.
  
• HEADLINE #1b-15 (Nov. 10, 2008) American International Group aka AIG (NYSE: AIG): AIG Gets Expanded Bailout, Posts $24.5 Billion Loss.
  
• HEADLINE #1b-14 (Nov. 10, 2008) American International Group aka AIG (NYSE: AIG):  AIG To Get $150 Billion Bailout Reports.
  
• HEADLINE #1b-13 (Nov. 10, 2008) American International Group aka AIG (NYSE: AIG):  AIG May Get Expanded Government Funds of $150 Billion.
  
• HEADLINE #1b-12 (Nov. 9, 2008) American International Group aka AIG (NYSE: AIG):  AIG May Get More in Bailout.
  
• HEADLINE #1b-11 (Nov. 6, 2008) American International Group aka AIG (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 (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 (NYSE: AIG):  AIG's Fed Bailout 'Total' Reaches $143.8 Billion.
• HEADLINE #1b-8 (FBIC Reports Oct. 30, 2008) American International Group aka AIG (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 (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 (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 (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 (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 (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 (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 (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 (NYSE: MET real-time stock price): (June 3, 2009) MetLife Leads Busiest Day of Bond Sales Since March.
  
• HEADLINE #1c-36 Metlife Insurance (NYSE: MET real-time stock price): (May 28, 2009) Variable Annuity Sales Fall 27% as MetLife Takes Lead.
  
• HEADLINE #1c-35 Metlife Insurance (NYSE: MET real-time stock price): (May 27, 2009) MetLife to Sell $1.25 Billion of Seven-Year Notes.
  
• HEADLINE #1c-34 Metlife Insurance (NYSE: MET real-time stock price): (May 8, 2009) MetLife posts 1Q loss.
  
• HEADLINE #1c-33 Metlife Insurance (NYSE: MET real-time stock price): (May 7, 2009) MetLife Losses on Corporate Debt Rise to $15 Billion.
  
• HEADLINE #1c-32 Metlife Insurance (NYSE: MET real-time stock price): (April 30, 2009) MetLife Swings To 1Q Loss On Investment Woes.
  
• HEADLINE #1c-31 Metlife Insurance (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 (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 (NYSE: MET real-time stock price): (March 3, 2009) MetLife Sinks as U.S. Stock Rout Raises Capital Need.
  
• HEADLINE #1c-28 Metlife Insurance (NYSE: MET real-time stock price): (March 2, 2009) MetLife Unrealized Losses on Corporate Debt Jump to $14 Billion.
  
• HEADLINE #1c-27 Metlife Insurance (NYSE: MET real-time stock price): (Feb. 27, 2009) Prudential to Weather Recession Better Than MetLife.
  
• HEADLINE #1c-26 Metlife Insurance (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 (NYSE: MET real-time stock price): (Feb. 10, 2009) Life Insurance Stocks Fall On Rating Worries.
  
• HEADLINE #1c-24 Metlife Insurance (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 (NYSE: MET real-time stock price): (Feb. 3, 2009) MetLife Posts 12 Pct Drop in 4th Quarter Profit.
  
• HEADLINE #1c-22 Metlife Insurance (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 (NYSE: MET): MetLife To Post Profit In Fourth Quarter.
  
• HEADLINE #1c-20 (Dec. 8, 2008) Metlife Insurance (NYSE: MET): MetLife Says Strongly Capitalized, Poised To Grow.
  
• HEADLINE #1c-19 (Dec. 8, 2008) Metlife Insurance (NYSE: MET): MetLife CFO Says Variable Annuity Exposures Managed Well.
  
• HEADLINE #1c-18 (Dec. 8, 2008) Metlife Insurance (NYSE: MET): MetLife Sees 2009 Profit Missing Analysts’ Estimates.
  
• HEADLINE #1c-17 (FBIC Reports Nov. 24, 2008) Metlife Insurance (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 (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 (NYSE: MET): Commercial Mortgage Securities Batters Metlife.
  
• HEADLINE #1c-14 (FBIC Reports Nov. 19, 2008) Metlife Insurance (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 (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 (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 (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  (NYSE: MET): MetLife Shares On The Move, Down.
  
• HEADLINE #1c-9 (FBIC Exclusive Reports Nov. 7, 2008) Metlife Insurance (NYSE: MET): MetLife 'Unrealized Losses' Widen On Mortgage-Backed Corporate Securities.
  
• HEADLINE #1c-8 (Oct. 30, 2008) Metlife Insurance (NYSE: MET): MetLife Posts Lower 3rd-Qtr Operating Profit.
  
• HEADLINE #1c-7 (FBIC Reports Oct. 27, 2008) Metlife Insurance (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 (NYSE: MET): MetLife Shares Fall On Write-down Fears.
  
• HEADLINE #1c-5 (Oct. 10, 2008) Metlife Insurance (NYSE: MET): Metlife Default Swaps Trade Upfront.
  
• HEADLINE #1c-4 (Oct. 9, 2008) Metlife Insurance (NYSE: MET): Metlife, Insurance Groups In Hunt For Capital.
  
• HEADLINE #1c-3 (Oct. 9, 2008) Metlife Insurance (NYSE: MET): MetLife, Hartford Financial Talked Merger.
  
• HEADLINE #1c-2 (Oct. 8, 2008) Metlife Insurance (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-46 Prudential Insurance (NYSE: PRU real-time stock price): (August 13, 2009) Prudential's 1st Half 2009 losses double.
  
• HEADLINE #1d-45 Prudential Insurance (NYSE: PRU real-time stock price): (August 6, 2009) Prudential Profit Beats Estimates as Annuity Sales, Assets Advance.
  
• HEADLINE #1d-44 Prudential Insurance (NYSE: PRU real-time stock price): (June 1, 2009) Prudential Declines TARP, To Offer $1.25 Billion In Stock.
  
• HEADLINE #1d-43 Prudential Insurance (NYSE: PRU real-time stock price): (May 5, 2009) Is It Safe? Prudential's Billions in Mortgages.
  
• HEADLINE #1d-42 Prudential Insurance (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 (NYSE: PRU real-time stock price): (May 14, 2009) Prudential Sales Fall 5% as Asian Economies Slows.
  
• HEADLINE #1d-40 Prudential Insurance (NYSE: PRU real-time stock price): (May 9, 2009) Prudential Unrealized Loss Climbs 36% on Financial Firms’ Debt.
  
• HEADLINE #1d-39 Prudential Insurance (NYSE: PRU real-time stock price): (May 9, 2009) Prudential Sued by Debt Holders Over Subprime Loss Disclosure.
  
• HEADLINE #1d-38 Prudential Insurance (NYSE: PRU real-time stock price): (May 7, 2009) Prudential Leads Life Insurers Higher After Beating Estimates.
  
• HEADLINE #1d-37 Prudential Insurance (NYSE: PRU real-time stock price): (May 6, 2009) Prudential's Profit Declines Amid Investment Losses.
  
• HEADLINE #1d-36 Prudential Insurance (NYSE: PRU real-time stock price): (April 30, 2009) Prudential Cut At Morgan Stanley, Cash Flow Issues Cited.
  
• HEADLINE #1d-35 Prudential Insurance (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 (NYSE: PRU real-time stock price): (March 22, 2009) Prudential CEO’s 2008 Compensation Was $14 Million.
  
• HEADLINE #1d-33 Prudential Insurance (NYSE: PRU real-time stock price): (March 22, 2009) Prudential Posts Loss For 2008, CEO Steps Down.
  
• HEADLINE #1d-32 Prudential Insurance (NYSE: PRU real-time stock price): (March 19, 2009) Prudential Shares Plunge After Moody’s Downgrade.
  
• HEADLINE #1d-31 Prudential Insurance (NYSE: PRU real-time stock price): (March 18, 2009) Variable Annuity Assets Fall 13% to $1.1 Trillion (Update2).
  
• HEADLINE #1d-30 Prudential Insurance (NYSE: PRU real-time stock price): (March 13, 2009) Variable Annuity Questions Answered.
  
• HEADLINE #1d-29 Prudential Insurance (NYSE: PRU real-time stock price): (Feb. 27, 2009) Prudential to Weather Recession Better Than MetLife.
  
• HEADLINE #1d-28 Prudential Insurance (NYSE: PRU real-time stock price): (Feb. 20, 2009) Prudential Plc Boosts Capital by Shedding Taiwan Unit.
  
• HEADLINE #1d-27 Prudential Insurance (NYSE: PRU real-time stock price): (Feb. 19, 2009) Prudential Disqualified From Commercial Paper.
  
• HEADLINE #1d-26 Prudential Insurance (NYSE: PRU real-time stock price): (Feb. 17, 2009) Prudential Reduced By S&P After Two Straight Losses.
  
• HEADLINE #1d-25 Prudential Insurance (NYSE: PRU real-time stock price): (Feb. 4, 2009) Prudential Posts Record Loss as Investments Decline.
  
• HEADLINE #1d-24 Prudential Insurance (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 (NYSE: PRU): JP Morgan Downgrades, Cuts Profit Estimates On Prudential.
  
• HEADLINE #1d-22 (Dec. 10, 2008) Prudential Insurance (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 (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 (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 (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 (NYSE: PRU): Commercial Mortgage Securities Batters Prudential Financial.
  
• HEADLINE #1d-17 (FBIC Reports Nov 19, 2008) Prudential Insurance (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 (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 (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 (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 (NYSE: PRU): Goldman Sachs Bearish On U.S. Life Insurance Sector ... Says Sell Prudential (PRU.N)
  
• HEADLINE #1d-12 (Nov. 11, 2008) Prudential Insurance (NYSE: PRU): Prudential Shares On The Move, Down.
  
• HEADLINE #1d-11 (Nov. 11, 2008) Prudential Insurance (NYSE: PRU): Prudential, Hartford Drop; Goldman First to Say Sell.
  
• HEADLINE #1d-10 (Nov. 11, 2008) Prudential Insurance (NYSE: PRU): Prudential Halves Dividend After Third-Quarter Loss.
  
• HEADLINE #1d-9 (Oct. 31, 2008) Prudential Insurance (NYSE: PRU): Shares of Prudential Fall.
  
• HEADLINE #1d-8 (Oct. 30, 2008) Prudential Insurance (NYSE: PRU): Prudential's Accounting-Books Hides $500 Million in Losses.
  
• HEADLINE #1d-7 (Oct. 30, 2008) Prudential Insurance (NYSE: PRU): Prudential Posts $108M Loss In Quarter.
  
• HEADLINE #1d-6 (Oct. 30, 2008) Prudential Insurance (NYSE: PRU): Prudential Financial Turns To Q3 Loss, Revenue Declines.
  
• HEADLINE #1d-5 (FBIC Reports Oct. 27, 2008) Prudential Insurance (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 (NYSE: PRU): Prudential Halts Buybacks as Holdings Fall.
  
• HEADLINE #1d-3 (Oct. 20, 2008) Prudential Insurance (NYSE: PRU): Prudential Shares Fall On Write-down Fears.
  
• HEADLINE #1d-2 (Oct. 9, 2008) Prudential Insurance (NYSE: PRU): Prudential Sees Sharply Lower 3rd-Quarter Profit ... shares dive.
  
• HEADLINE #1d-1 (FBIC Reports Oct. 2, 2008) Prudential Insurance (NYSE: PRU): Prudential Credit Swaps Widen to Record. Prudential has significant credit default exposure. ( bankruptcy )
  
  
• HEADLINE #1e-23 Allstate Corporation (NYSE: ALL real-time stock price): (August 19, 2009) Allstate Settles 10-Year-Old Class-Action Suit.
  
• HEADLINE #1e-22 Allstate Corporation (NYSE: ALL real-time stock price): (August 6, 2009) Allstate Posts First Profit in Year on Investments.
  
• HEADLINE #1e-21 Allstate Corporation (NYSE: ALL real-time stock price): (July 6, 2009) Allstate Floridian Changes It's Name to Castle Key. (Why are we always suspect of insurance companies name changes esp. as group insurers don't want member companies to add negatively to their less than desireable reputations.)
  
• HEADLINE #1e-20 Allstate Corporation (NYSE: ALL real-time stock price): (May 19, 2009) Allstate Declines Bailout Offer From U.S. Treasury.
  
• HEADLINE #1e-19 Allstate Corporation (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 (NYSE: ALL real-time stock price): (May 7, 2009) Allstate Reports Third Straight Loss on Investments.
  
• HEADLINE #1e-17 Allstate Corporation (NYSE: ALL real-time stock price): (April 23, 2009) Allstate To Dinallo We’re Legal, We Swear.
  
• HEADLINE #1e-16 Allstate Corporation (NYSE: ALL real-time stock price): (April 20, 2009) New York Regulator Demands Answers on Allstate Op-Ed.
  
• HEADLINE #1e-15 Allstate Corporation (NYSE: ALL real-time stock price): (April 20, 2009) Allstate Hails Introduction of Federal Charter for Insurance Bill.
  
• HEADLINE #1e-14 Allstate Corporation (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 (NYSE: ALL real-time stock price): (Feb 2, 2009) Allstate's Catastrophe Bonds Face 'Imminent' Default, S&P Says.
  
• HEADLINE #1e-12 Allstate Corporation (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 (NYSE: ALL real-time stock price): (Jan. 30, 2009) Allstate Plummets as Dividend Is Threatened by Loss.
  
• HEADLINE #1e-10 Allstate Corporation (NYSE: ALL real-time stock price): (Jan. 29, 2009) Allstate Posts $1.1 Billion Loss, Cuts 1,000 Jobs.
  
• HEADLINE #1e-9 Allstate Corporation (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 (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 (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  (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 (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 (NYSE: ALL): Allstate Shares Fall After Large Loss.
  
• HEADLINE #1e-3 (Oct. 23, 2008) Allstate Corporation (NYSE: ALL): Allstate Halts Buybacks as Holdings Fall.
  
• HEADLINE #1e-2 (Oct. 22, 2008) Allstate Corporation (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 (NYSE: ALL): Allstate Posts Loss on Investments, Hurricane Ike.
  
  
• HEADLINE #1f-22 Principal Financial Group Inc.  (NYSE: PFG real-time stock price): (August 4, 2009) Principal financial 2Q profit falls on lower fees.
  
• HEADLINE #1f-21 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 Inc. (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 Hell For Policyholder-Claimants ... Stayed Tune As FBIC Will Expose NICO For It's Bad Faith Claim Payment Practices.
  
• 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-37  Lincoln National (NYSE: LNC real-time stock price): (July 10, 2009) Lincoln Injects Cash Into Life Unit After Taking TARP.
  
• 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 (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  (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 (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 (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  (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 (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 (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-7 (July 30, 2009) St. Paul Companies Inc., aka Travelers Cos.   (NYSE: TRV real-time stock price): Travelers insurance posts lower 2Q profit.
  
• 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., 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., 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 Cos.  (NYSE: TRV): Travelers Profit Falls 82% on Hurricanes, Investments.
  
  
• HEADLINE #1j-11 CNA Financial Corp. (NYSE: CNA real-time stock price): (August 3, 2009) CNA Surges as Profit Exceeds Analysts’ Estimates.
  
• 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-22 Genworth Financial Inc. (NYSE: GNW real-time stock price): (July 31, 2009) Genworth Falls After Losses in Mortgage Insurance.
• HEADLINE #1k-21 Genworth Financial Inc. (NYSE: GNW real-time stock price): (July 16, 2009) CIT Group Woes May Hurt Debt Holders Genworth, Aflac.
• 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-9 Progressive Corp. (NYSE: PGR real-time stock price): (July 10, 2009) Progressive Posts First Gain in Net Income Since 2006..
  
• 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-8: Ameriprise Financial Services Inc. (NYSE: AMP real-time stock price): (July 10, 2009) Ameriprise Pays $17.3 Million to Settle SEC Probe.
  
• 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-6: Aflac, Inc.: (AFL:US real-time price): (July 29, 2009) Aflac's Net Profit Falls 35% on CIT-Fueled Losses..
  
• HEADLINE #1n-5: Aflac, Inc.: (AFL:US real-time price): (July 16, 2009) CIT Group Woes May Hurt Debt Holders Genworth, Aflac..
  
• 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-9: Nationwide Financial Services (July 27, 2009) Nationwide Mutual Settlement Could Benefit 305,000 North Carolinians. 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-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-10 ING  (NYSE: ING real-time stock price): (July 1, 2009) ING Cuts 800 Jobs in Merger of Dutch Insurance Units.
  
• HEADLINE #1p-9 ING  (NYSE: ING real-time stock price): (May 13, 2009) ING Posts Third Consecutive Loss After Writedowns.
  
• HEADLINE #1p-8 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-8 GMAC (NYSE: GMA real-time stock price): (August 4, 2009) GMAC Posts Wider Quarterly Loss as Loan Defaults Rise.
  
• 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 (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 (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-102 Fraudster: (Oct. 1, 2009) Two Firms Sued Over Health ""Insurance"". 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-101 Fraudster: (Oct. 1, 2009) Top 10 Reasons Insurers Are Non-Compliant. 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-100 Fraudster: (Oct. 1, 2009) The Hartford Insurance kickbacks fraud case goes to the jury. 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-99 Fraudster: (Sept. 30, 2009) Ex-Moody's Employees Allege Misconduct. 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-98 Fraudster: (Sept. 26, 2009) AIG Says Liberty Mutual, Hartford Shortchanged Worker Compensation Pools. 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-97 Fraudster: (Sept. 18, 2009) South Carolina Supreme Court Reduces Punitive Damages Against Assurant Health to $10 Million. 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-96 Fraudster: (Sept. 15, 2009) AIG-Gen Re Case Informer Richard Napier Gets Probation. 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-95 Fraudster: (August 19, 2009) Appeals court upholds award against American Family Insurance in fire 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-94 Fraudster: (August 19, 2009) Allstate Settles 10-Year-Old Class-Action 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.)
• HEADLINE #1zz-93 Fraudster: (August 18, 2009) Mississippi Couple Wins Katrina Damage Award From State Farm. 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-92 Fraudster: (August 14, 2009) AIG Update: Ohio Attorney General Reaches $115 Million Settlement With Greenberg. 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-91 Fraudster: (August 13, 2009) Illinois Fines Kingsway Group's Universal Casualty Insurance, Orders Revamp of Claims Handling. 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-90 Fraudster: (August 13, 2009) 5th Circuit Upholds $21M Katrina Damage Bad Faith Award Against United Fire & Casualty 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-89 Fraudster: (August 12, 2009) The Hartford Ordered to Refund $48 Million To Florida Businesses. 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-88 Fraudster: (August 10, 2009) Rigsbys allowed to testify against State Farm. 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-87 Fraudster: (August 10, 2009) California Settles Complaints Against Ex-Conseco LTC Unit. 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-86 Fraudster: (August 6, 2009) Ex-AIG CEO Greenberg settles SEC fraud 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