It's The Law: Insurance Companies Are Required To 'Willingly' Pay Claims Properly And Promptly (Good Faith) And It Is Illegal To 'Willingly' Discount, Delay Or Deny Payment Of Claims (Bad Faith) *
Ranking Of Insurer Groups Claims Payment Practices *       (from 655 insurer groups comprising 3693 insurer companies)
HALL OF SHAME                CLAIMS DENIED *               BAD-FAITH PRACTICES *               (#1 = THE WORST)		HALL OF FAME    CLAIMS PAID *   GOOD-FAITH PRACTICES *    (#1 = THE BEST)
Rank	Bad-Faith Insurers *	Rank	Good-Faith Insurers *
1.	The Hartford [do not buy] *	1.	Chubb [ok to buy] *
2.	State Farm [do not buy] *	2.	Amica [ok to buy] *
3.	Allstate [do not buy] *	3.	Allianz [ok to buy] *
* CLICK HERE to view the 'FBIC 100' (the 50 worst bad faith and 50 best good faith group insurers                      along with notes, research sources and methodology used in FBIC's ranking system.)                   * Ranking at June 2008. No company is complaint-free. Ranking list is subject to change.  * All Rights Reserved. Read our Legal Disclaimer and Copyright

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

• (1) The Insurance-Financial Services Industry
• (1a) Hartford Financial Services aka The Hartford Insurance (HIG)
• (1b) AIG (AIG)
• (1c) Metlife (MET)
• (1d) Prudential Financial Inc. (PRU)
• (1e) Allstate (ALL)
• (1f) Principal Financial Group (PFG)
• (1g) XL Capital (XL)
• (1h) Lincoln National Corp. (LNC)
• (1i) St. Paul Cos. (Incl. Travelers Companies Inc. (TRV)
• (1j) CNA Financial Corp. (CNA)
• (1k) Genworth Financial Inc. (GNW)
• (1l) Progressive (PGR)
• (1m) Ameriprise Financial Inc. (AMP)
• (1n) PartnerRe (PRE)
• (1o) Nationwide (NFS)
• (1p) ING (ING)
• (1q) Zurich Financial (Swiss: ZURN.VX)
• (1r) Aegon (Dutch: AEG.N)
• (1s) Syncora (SCA)
• (1t) Protective Life (PL)
• (1u) GMAC (GMA)
• (1v) UNUM (UNM)

• HEADLINE #1-27: (Nov. 19, 2008) Insurance-Finance Industry: Fitch Looks at Nine Months 2008 U.S. P&C Insurance Results; Sharp Profit Decline Continues.
• HEADLINE #1-26: (Nov. 19, 2008) Insurance-Finance Industry: "Life Insurers Fall On Worry Over Investment Losses".
• HEADLINE #1-25: (Nov. 19, 2008) Insurance-Finance Industry: Insurers' Back-Door Bailout Bids Spark Debate.
• HEADLINE #1-24: (Nov. 18, 2008) Insurance-Finance Industry. 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-Finance Industry: "Paulson Not Likely To Tap Rest Of TARP Money, He Says".
• HEADLINE #1-22: (Nov. 17, 2008) Insurance-Finance Industry: "Bush Said to Tell Aides He Won't Seek Bailout Funds".
• HEADLINE #1-21: (Nov. 14, 2008) Insurance-Finance Industry: "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-Finance Industry: 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-Finance Industry: AIG's Losses Lead Insurers as Tally Nears $1 Trillion.
  
• HEADLINE #1-18: (Nov 13, 2008) Insurance-Finance Industry: Lawmakers, Investors Ask Fed for Lending Disclosure.
  
• HEADLINE #1-17: (Nov 12, 2008) Insurance-Finance Industry: Boehner Demands Fed Identify Recipients of Loans.
  
• HEADLINE #1-16: (Nov 12, 2008) Insurance-Finance Industry: Mass Mutual, New York Life Reject Government Aid.
  
• HEADLINE #1-15: (Nov 11, 2008) Insurance-Finance Industry: 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 System(s) 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-Finance Industry: 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-Finance Industry: Fed Defies Transparency Aim in Refusal to Disclose Bailout $$$ Info.
  
• HEADLINE #1-12: (Nov 10, 2008) Insurance-Finance Industry: Fed Defies Transparency Aim in Refusal to Identify $2 Trillion In Bank Loans.
  
• HEADLINE #1-11: (Nov 10, 2008) Insurance-Finance Industry: Fannie Mae Reports Record $29 Billion Loss After Asset Write-downs.
  
• HEADLINE #1-10: (Oct. 31, 2008) Insurance-Finance Industry: US Senator Calls On AIG To Explain Use Of Bailout Funds.
  
• HEADLINE #1-9: (Oct. 31, 2008) Insurance-Finance Industry: The Insurance Industry Doesn't Need Subsidies.
  
• HEADLINE #1-8: (Oct. 30, 2008) Insurance-Finance Industry: Bond Insurers Seek Shelter Under TARP.
  
• HEADLINE #1-7: (FBIC Insider Reports Oct. 29, 2008) Insurance-Finance Industry: 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-Finance Industry: 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-Finance Industry: Part 2 - Why Companies Are Hoarding Cash And CDS Derivatives Settlements.
  
• HEADLINE #1-4: (Oct. 28, 2008) Insurance-Finance Industry: Part 1 - Why Companies Are Hoarding Cash And CDS Derivatives Settlements.
  
• HEADLINE #1-3: (Oct. 25, 2008) Insurance-Finance Industry: U.S. Mulls Widening Bailout to Insurers.
  
• HEADLINE #1-2: (Oct. 25, 2008) Insurance-Finance Industry: U.S. Treasury May Add Insurers To Investment List.
  
• HEADLINE #1-1: (FBIC Reports Oct. 24, 2008) Insurance-Finance Industry: Shares Of Insurance Companies Climb On Treasury Announcement.
  
  
• HEADLINE #1a-The Hartford Upfront: (FBIC Reports Oct. 2, 2008 - Nov. 20, 2008) Hartford Financial Services (HIG) aka The Hartford aka 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. 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 an overwhelming insurmountable growing amount of 'unrealized losses' on it's books and in its investment portfolio.
  
  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.)
  
  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 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 $6+ 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. (Note: In doing a comparison of AIG vs. The Hartford in recent years, such information has been researched by FBIC during the past 11 years with great challenge as it is almost unattainable if not near impossible to secure due to the intentional 'opaqueness' and near/if not complete lack of 'transparency' which historically up to present day is known to be the norm for the industry.  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) Annuity: A=n.a., H=n.a. (Further Note: Being a much smaller company with a lower marketshare in the lines of insurance that it plays has helped Hartford 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 wrath and attention in such matters. The Hartford's complaint ratio of bad faith related complaints by policyholders, consumers and businesses when correlated to their smaller size and market-share on average earns them the #1 bad faith position in most lines of their insurance businesses with exception of Group Disability where it holds the 2nd bad faith insurer position in the line to #1 bad faith insurer Unum Insurance aka Unum-Provident).
  
  The insurance environments for lines of insurance (including P&C) for the past 9 months and during this economic downturn as announced by the Industry rating companies and credit analysts (i,e, Fitch, etc.) is soft especially in the personal and business lines of insurance that The Hartford plays. Experts agree that Hartford will not be able to sell itself and/or its insurance products out of harms way and it's problem situation. Accordingly, Hartford's growing reputation as a bad faith insurer has negatively impacted and also contributed to its sales slump and shrinking market-share in its lines of  insurance business due in part 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 multitude and overwhelming amounts of evidence collected from countless policyholders complaints, other complainants, whistleblowers, (held in strictest confidence) and many other sources by FBIC and states Departments of Insurance over the past years,
  
  Ramani Ayer, Chairman & CEO  and Thomas M. Marra, President & COO need to be immediately removed and investigated NOW by authorities, 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 Public ... Investors, Policyholders, Taxpayers And The American People are demanding this NOW and to have these illegal activities stopped.
  
  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 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 substantiated and true, if you don't believe FBIC for what we say about The Hartford, since our inception in 1998, 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 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 of the many articles reported by the leading mainstream U.S. media companies on just a few of Hartford's illegal and criminal activities:
  
  
• 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 (if 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 articles reflecting serious repeated criminal infractions of fraudulent practices and recurring illegal activities of breaking the laws by The Hartford while under the guise of Ramani Ayer and Thomas M. Marra ... while under your 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.
  
  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)
    
  
  Subsequently, Ramani Ayer's and Thomas M. Marra's 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 Hartford Will Certainly Fail And/Or Go Into Bankruptcy. more.
  
  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 19, 2008 low of $6+ and going lower 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 (and join with all Americans and become red-white-blue or in this case you become indicated in 'green') 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 (click here) for The Hartford's list of largest institutional investors, addresses and telephone numbers.
  
  
• HEADLINE #1a-44: (FBIC Reports Nov. 20, 2008) Hartford Financial Services aka The Hartford aka Hartford Insurance Update: (NYSE: HIG) 52 week previous high: $ 99.21; HIG Shares Continued It's Dive Toward Zero Falling To Another Record Closing Low Today  $5.57, Change -$1.31 or Down -19.04%. ... Hartford Has No Choice And Is Expected To Have To File For Bankruptcy Protection. (See Previous Cumulative Substantiating Operational And Financial Information).
• HEADLINE #1a-43: (FBIC Reports Nov. 20, 2008) Hartford Financial Services aka The Hartford Insurance: (NYSE: HIG) Commercial Mortgage Securities Batters Hartford Financial Services. ... Hartford Will Fail, File For Bankruptcy Protection Or Become Insolvent And Wipe Out Investors. (See Previous Cumulative Substantiating Operational And Financial Information).
  
• HEADLINE #1a-42: (FBIC Reports Nov. 19, 2008) Hartford Financial Services aka The Hartford aka Hartford Insurance Update: (NYSE: HIG) 52 week previous high: $ 99.21; HIG Shares Fell Today To Set 'Another' New Record Closing Low At $6.88, Change -$2.76 or Down -28.6%. ... With No New Sources Of Cash Or Capital Apparently Available, And Concern That 'All' Segments Of Its Businesses (P&C, Life, Annuities, Mortgage-Backed Securities, Investments, Etc.) Are/Have Turned Negative And Hemorrhaging Increasing Negative Cash Flows ... Exclusive Of It's Negative Cash Flow Is It's Growing Worse By The Day Staggering Substantial $ Amount Of Toxic 'Unrealized Losses' On The Books. As The Hartford's Situation Becomes Worse By The Day At An Increasing Accelerating Rate, There Are Growing Imminent Concerns That Management Sees The Evident And Obvious Handwriting On The Wall And For Strategic Reasons To Stop And Best Protect Company Assets That Hartford Will File For Bankruptcy Protection Sooner Than Later, Wipe Out General Investors For The Most Part But Give The Company It's Best Chance Of Ch. 11 Reorganization Rather Than Delay, Burn More Cash, Further Deplete Assets Until It Is In A Weakened State That It Becomes Insolvent. (See Previous Cumulative Substantiating Operational And Financial Information).
• HEADLINE #1a-41: (FBIC Reports Nov. 18, 2008) Hartford Financial Services aka The Hartford aka Hartford Insurance Update: (NYSE: HIG): Treasury Secretary Henry Paulson Testified Before Congress Today.  On Point: Recently Buying A Savings Bank, It Is Very Likely That The Hartford, Etal Will Not Receive Bailout Funds From The U.S. Treasury Program. FBIC Excerpted: Treasury Secretary Henry Paulson testified at the hearing that the Treasury Department would be selective about letting insurers participate in the CPP by creating a bank holding company or a thrift holding company. "I'm not sure that's going to be a successful strategy," Paulson said. "Using a bank or thrift holding company operation to apply for the CPP "may make sense" for insurers that have had bank holding companies for some time, Paulson said.
  
• HEADLINE #1a-40: (FBIC Reports Nov. 18, 2008) Hartford Financial Services aka The Hartford Insurance: (NYSE: HIG) Fraud Suit Reinstated Against The Hartford. ... 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: (FBIC Reports Nov. 18, 2008) Hartford Financial Services  aka The Hartford Update: (NYSE: HIG) Kickback Case Reinstated Against The Hartford. ... Hartford Will Fail, File For Bankruptcy Protection Or Become Insolvent And Wipe Out Investors. (See Previous Cumulative Substantiating Operational And Financial Information).
  
• HEADLINE #1a-38: (FBIC Reports Nov. 17, 2008) Hartford Financial Services aka The Hartford aka Hartford Insurance Update: (NYSE: HIG) 52 week previous high: $ 99.21; HIG Shares Fell Today To $9.26, Change -$3.39 or Down -26.8%. ... Hartford Will Fail, File For Bankruptcy Protection And Wipe Out Investors. (See Previous Cumulative Substantiating Operational And Financial Information).
• HEADLINE #1a-37: (FBIC Reports 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 ... 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: (FBIC Reports Nov. 17, 2008) Hartford Financial Services aka The Hartford aka Hartford Insurance Update: (NYSE: HIG) Employees Sue The Hartford Over Retirement-Plan Stock Losses. ... 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: (FBIC Reports Nov. 17, 2008) Hartford Financial Services aka The Hartford aka Hartford Insurance Update: (NYSE: HIG) Hartford Gets Hit Again By Policyholders In U.S. Court Case. ... Hartford Will Fail, File For Bankruptcy Protection And Wipe Out Investors. (See Previous Cumulative Substantiating Operational And Financial Information).
  
• HEADLINE #1a-34: (FBIC Reports Nov. 17, 2008) Hartford Financial Services aka The Hartford aka Hartford Insurance Update: (NYSE: HIG) Hartford Financial Down On Variable Annuity Worry. ... Hartford Will Fail, File For Bankruptcy Protection And Wipe Out Investors. (See Previous Cumulative Substantiating Operational And Financial Information).
  
• HEADLINE #1a-33: (FBIC Reports Nov. 15, 2008) Hartford Financial Services aka The Hartford aka Hartford Insurance Update: (NYSE: HIG) Hartford Expects To Qualify For $1.1 Billion To $3.4 Billion Needed Funds Under TARP Treasury Department Bailout Guidelines. This may very well be the last funds available to Hartford. With limited or no other new cash infusions or capital lending sources available, it's likelihood of bankruptcy is closer to becoming reality.
  
• HEADLINE #1a-32: (FBIC Reports Nov. 15, 2008) Hartford Financial Services aka The Hartford aka Hartford Insurance Update: (NYSE: HIG) Hartford Seeks To Buy A Bank, To Convert To S&L.... Hartford Will Fail, File For Bankruptcy Protection And Wipe Out Investors. (See Previous Cumulative Substantiating Operational And Financial Information). 
  
• HEADLINE #1a-31: (Nov. 14, 2008) Hartford Financial Services (NYSE: HIG) aka The Hartford aka Hartford Insurance Update: Abra Cadabra ... 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: (Nov. 14, 2008) Hartford Financial Services (NYSE: HIG) aka The Hartford aka Hartford Insurance Update: "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: (Nov. 14, 2008) Hartford Financial Services (NYSE: HIG) aka The Hartford aka Hartford Insurance Update: "Goldman Sachs Bearish On U.S. Life Insurance Sector", "Goldman Sachs Says Sell Hartford Shares (HIG.N)". There Is No Positive Cash Flow Nor Shining Light On Hartford's (HIG) Balance Sheet Or Operations Adequate Enough To Sustain It As It Stands Currently.  Indications Are That Hartford Will Fail Or Go Into Bankruptcy.
• HEADLINE #1a-28: (FBIC Reports Nov. 13, 2008) Hartford Financial Services aka The Hartford aka Hartford Insurance Update: (NYSE: HIG) Hartford Shares Continue To Fall as Hartford (NYSE: HIG) returns to single digit intraday low of $8.62 on rumors that it continues to burn cash and has been unsuccessful at finding any new sources of capital. As previously reported that it's operating cash levels have been diminished from a falling stock price ... Hartford's viability continues to deteriorate as an operating company and day by day becomes more and more tenuous. Fears among 'The Hartford' investors and policyholders have increased and rightfully so as the probability of bankruptcy for Hartford has grown from it's late October 20% to it's current 50%. With no new cash or capital sources available, it's likelihood of bankruptcy is fast becoming a reality.
  
• HEADLINE #1a-27: (Nov. 11, 2008) Hartford Financial Services aka The Hartford aka Hartford Insurance Update: (NYSE: HIG) Hartford Drops; Goldman Downgrades Hartford (HIG) Stock To "Sell".  As FBIC Previously Indicated On October 2, Projections Indicate That Hartford Will Fail And Declare Bankruptcy Protection. (See Previous Cumulative Substantiating Operational And Financial Information)..
• HEADLINE #1a-26: (Nov. 11, 2008) Hartford Financial Services aka The Hartford aka Hartford Insurance Update: (NYSE: HIG) The Hartford Shares On The Move, Down ... Hartford Will Fail, File For Bankruptcy Protection And Wipe Out Investors. (See Previous Cumulative Substantiating Operational And Financial Information).
• HEADLINE #1a-25: (Nov. 6, 2008) Hartford Financial Services aka The Hartford aka Hartford Insurance Update: (NYSE: HIG) Annuities Contribute To Hartford's Steep Losses ... Hartford Will Be Next To Fail Or File For Bankruptcy Protection And Wipe Out Investors. (See Previous Cumulative Substantiating Operational And Financial Information).
• HEADLINE #1a-24: (Nov. 4, 2008) Hartford Financial Services aka The Hartford aka Hartford Insurance Update: (NYSE: HIG) The Hartford To Cut 500 Jobs Across Country.
• HEADLINE #1a-23: (Nov. 3, 2008) Hartford Financial Services aka The Hartford aka Hartford Insurance Update: (NYSE: HIG) Hartford Drops Its Capital Margin Estimate by $1.5 Billion ... FBIC Calls Indicate For Hartford To Fail. (See Previous Cumulative Substantiating Operational And Financial Information).
• HEADLINE #1a-22: (Nov. 3, 2008) Hartford Financial Services aka The Hartford aka Hartford Insurance Update: (NYSE: HIG) Hartford Reduces Year-End Capital Margin Forecast ... Hartford Is Expected To Be Next To Fail Or Go Into Bankruptcy And Wipe Out Investors. (See Previous Cumulative Substantiating Operational And Financial Information).
• HEADLINE #1a-21: (Oct. 31, 2008) Hartford Financial Services aka The Hartford aka Hartford Insurance Update: (NYSE: HIG) Hartford Has `Few Options' for Capital, Berg Says ... Fears That Hartford Will Fail Or Go Into Bankruptcy. (See Previous Cumulative Substantiating Operational And Financial Information).
• HEADLINE #1a-20: (FBIC Reports Oct. 31, 2008) Hartford Financial Services aka The Hartford aka Hartford Insurance Update: (NYSE: HIG) Merrill-Lynch Downgrades Hartford Financial Services To Neutral.  ... Hartford Will Fail Or File For Bankruptcy Protection. (See Previous Cumulative Substantiating Operational And Financial Information).
• HEADLINE #1a-19: (Oct. 30, 2008) Hartford Financial Services aka The Hartford aka Hartford Insurance Update: (NYSE: HIG) The Hartford Will Cut Jobs And Expenses ... Citing Hartford's Dismal Performance And Tenuous Situation, The Consensus Is That The Cuts To Jobs And Expenses Without Increasing And Shoring Up Shrinking Sales And Revenues Losses Combined With The Question Of Whether The Cuts Can Be Implemented Swiftly Enough As The Cash Flow Clock Is Ticking ... That Without A Required Substantial Infusion of New Capital, It's Too Little Too Late And Alone Will Not Be Enough To Save The Weakened And Ailing Insurer From Failing. (See Previous Cumulative Substantiating Operational And Financial Information).
• HEADLINE #1a-18: (FBIC Reports Oct. 30, 2008) Hartford Financial Services aka The Hartford aka Hartford Insurance Update: (NYSE: HIG) (52 week high: $99.21) Oct. 30: Hartford Shares Opened At $19.86, Dropped Sharply To A New Intraday Low of $ 8.23 (1:55 PM EST), Down -$11.35, Change -58.1%; The Dow Was Up 2% At The Close Of The Trading Day, But The Hartford Closed at $9.62, Down -$10.24, Change -51.56%. As Previously Indicated By FBIC, Hartford Has Lost The Confidence Of Americans Nationwide And It Appears Investors May Also Feel The Same. ... Hartford Will Fail Or Go Into Bankruptcy. (See Previous Cumulative Substantiating Operational And Financial Information).
  [Important Note To Ramani Ayer, Chairman & CEO, The Hartford: It's Not Too Late To Initiate Your Promised Reform And Start Doing The Right Good Faith Insurer Thing By Taking Your Highly Paid Law Firms Out Of The Picture And Taking Back All Of The Active 'Legitimate' Claims Files That Were Turned Over To Your Outside Law Firms During The Past 15 Years Rather Than Settle Them In Good Faith, And Settle These Claims Now Properly ... And In Addition To Show "Extra-Good Faith", 'Properly' Compensate Plaintiffs Whose Lives Have Been Severely Effected And Damaged By Years Of Severe Adversarial, Retaliatory And Unnecessary Litigation By Hartford's Lawyers.  It's Been Proven Time And Again That The American People Are A Forgiving People. Well, Americans Want Your Company And Your Army Of Highly Qualified Ruthless Attorneys To Stop Acting Badly, NOW.  We Have Not Yet Sent Certified Letters To Your Board Members, Your Institutional Investors, Nor Responded To Contacts From The Media ... It's Not Too Late As You Last Promised On July 23 2007 To Have The Hartford Reform It's Old Ways And Start It's New, NOW ... And FBIC Would Like Nothing More Than To Be There With You.]
  
• HEADLINE #1a-17: (Oct. 30, 2008) Hartford Financial Services aka The Hartford aka Hartford Insurance Update: (NYSE: HIG) Hartford Financial Loses Over Half Its Market Value. Hartford Will Fail Or File For Bankruptcy Protection. (See Previous Cumulative Substantiating Operational And Financial Information).
• HEADLINE #1a-16: (Oct. 30, 2008) Hartford Financial Services aka The Hartford aka Hartford Insurance Update: (NYSE: HIG) Hartford Financial Services Slips To Loss In Q3. Hartford Will Fail Or Go Into Bankruptcy. (See Previous Cumulative Substantiating Operational And Financial Information).
• HEADLINE #1a-15: (Oct. 30, 2008) Hartford Financial Services aka The Hartford aka Hartford Insurance Update: (NYSE: HIG) Hartford Posts 3rd-Qtr Loss, Slashes Year View. Hartford Will Fail Or File For Bankruptcy Protection. (See Previous Cumulative Substantiating Operational And Financial Information).
• HEADLINE #1a-14: (Oct. 30, 2008) Hartford Financial Services aka The Hartford aka Hartford Insurance Update: (NYSE: HIG) UPDATE Hartford: Market Decline Impacts Capital Levels. Hartford Will Fail Or Go Into Bankruptcy. (See Previous Cumulative Substantiating Operational And Financial Information).
• HEADLINE #1a-13: (FBIC Exclusive Reports Oct. 27-Oct. 30, 2008) Hartford Financial Services aka The Hartford aka Hartford Insurance Update: (NYSE: HIG) 52 week high: $ 99.21 To A New Current Closing $ Price Low; Oct. 28: Hartford Shares Are Falling Intraday And Continue It's Dive Lower To $16.47 (12:25 PM EST), Down -$3.30 or Change -16.69%, a new 52-week low; Oct. 27: Hartford Shares Fell Today To $19.77, Down -$4.53 or Change -18.64% To A New Current Closing $ Price Low. Hartford Will Fail Or File For Bankruptcy Protection. (See Previous Cumulative Substantiating Operational And Financial Information).
  
• HEADLINE #1a-12: (FBIC Exclusive Reports Oct. 27, 2008) Hartford Financial Services aka The Hartford aka Hartford Insurance Update: (NYSE: HIG) FBIC expects Hartford's shares to continue to decline unless there are extraordinary circumstances such as: (1) Allianz purchases all the remaining shares of Hartford Financial Services (HIG: NYSE) that it doesn't already own and forthwith immediately removes Hartford's Ramani Ayer, Chairman & CEO and Thomas M. Marra, President & COO from their Company's operating positions and their Board of Directors seats; (2) The Hartford is able to get an infusion from The U.S. Treasury; or (3) Hartford's Ramani Ayer, Chairman & CEO and Thomas M. Marra, President & COO are removed from their Company's operating positions and their Board of Directors seats ... otherwise Hartford Will Fail Or Go Into Bankruptcy. (See Previous Cumulative Substantiating Operational And Financial Information).
  
• HEADLINE #1a-11: (Oct. 10, 2008) Hartford Financial Services aka The Hartford aka Hartford Insurance Update: (NYSE: HIG) Hartford Default Swaps Trade Upfront. Hartford Will Fail Or File For Bankruptcy Protection. (See Previous Cumulative Substantiating Operational And Financial Information).
• HEADLINE #1a-10: (Oct. 9, 2008) Hartford Financial Services aka The Hartford aka Hartford Insurance Update: Hartford Financial, Insurance Groups In Hunt For Capital. Hartford Will Fail Or Go Into Bankruptcy. (See Previous Cumulative Substantiating Operational And Financial Information).
  
• HEADLINE #1a-9: (Oct. 9, 2008) Hartford Financial Services aka The Hartford aka Hartford Insurance Update: 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. Hartford Will Fail Or File For Bankruptcy Protection. (See Previous Cumulative Substantiating Operational And Financial Information).
  
• HEADLINE #1a-8: (Oct. 9, 2008) Hartford Financial Services aka The Hartford aka Hartford Insurance Update: Report Hartford Financial, MetLife Talked Merger. Hartford Will Fail Or Go Into Bankruptcy. (See Previous Cumulative Substantiating Operational And Financial Information).
  
• HEADLINE #1a-7: (Oct. 8, 2008) Hartford Financial Services aka The Hartford aka Hartford Insurance Update: Hartford Investors Skeptical Of Life Insurers' Rosy View. Hartford Will Fail Or File For Bankruptcy Protection. (See Previous Cumulative Substantiating Operational And Financial Information).
  
• HEADLINE #1a-6: (Oct. 7, 2008) Hartford Financial Services aka The Hartford aka Hartford Insurance Update: The Hartford to Bankruptcy - It Was Closer Than They Admitted. Hartford Will Fail Or Go Into Bankruptcy. (See Previous Cumulative Substantiating Operational And Financial Information).
  
• HEADLINE #1a-5: (Oct. 7, 2008) Hartford Financial Services aka The Hartford aka Hartford Insurance Update: The Hartford Replaces Chief Investment Officer. Hartford Will Fail Or File For Bankruptcy Protection (See Previous Cumulative Substantiating Operational And Financial Information).
  
• HEADLINE #1a-4: (Oct. 7, 2008) Hartford Financial Services aka The Hartford aka Hartford Insurance Update: S&P, A.M. Best Watching The Hartford's Ratings. Hartford Will Fail Or Go Into Bankruptcy.
  
• HEADLINE #1a-3: (FBIC Notes Oct. 6, 2008 8:00 AM) Hartford Financial Services aka The Hartford aka Hartford Insurance Update: (NYSE: HIG) Hartford Receives A $2.5B Cash Infusion From Allianz,  Cuts Dividend, Warns Of Losses. The $2.5B Is Perceived As A Drop In The Bucket, Too Little Too Late Cash Infusion For An Immediately Needed Temporary Fix To Exposure To Credit Default Swaps And The Company's Financial Hemorrhaging As Signs, Fears Indicate Hartford Will Be Next To Fail? (also see Headline story below reported Oct. 2).
  
• HEADLINE #1a-2: (Oct. 4, 2008) Hartford Financial Services aka The Hartford aka Hartford Insurance Update: The Hartford Takes A Beating On Wall Street. Hartford Will Fail Or Go Into Bankruptcy.
  
• HEADLINE #1a-1: (FBIC Notes Oct. 2, 2008) Hartford Financial Services aka The Hartford aka Hartford Insurance: (Etal.) Hartford Credit Swaps Widens to Record. The Hartford (NYSE: HIG) 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. Hartford Will Fail And Either File For Bankruptcy Protection Or Become Insolvent. ( more bankruptcy )
  
  
• HEADLINE #1b-19: (FBIC Reports Nov. 20, 2008) American International Group aka AIG Update: . (NYSE: AIG) 52 week high: $ 64.19; AIG Shares Fell Today To $1.44, A Change -$0.12 or Down -7.69%.
• HEADLINE #1b-18: (FBIC Reports Nov. 19, 2008) American International Group aka AIG Update: . (NYSE: AIG) 52 week high: $ 64.19; AIG Shares Fell Today To $1.56, A Change -$0.39 or Down -20%.
• HEADLINE #1b-17: (FBIC Reports Nov. 17, 2008) American International Group aka AIG Update: . (NYSE: AIG) 52 week high: $ 64.19; AIG Shares Fell Today To $1.91, A Change -$0.17 or Down -8.17%.
• HEADLINE #1b-16: (Nov. 6, 2008) AIG Insurance Update: Meltdown 101 Why Did the AIG Bailout Get Bigger.
  
• HEADLINE #1b-15: (Nov. 10, 2008) AIG Insurance Update: AIG Gets Expanded Bailout, Posts $24.5 Billion Loss.
  
• HEADLINE #1b-14: (Nov. 10, 2008) AIG Insurance Update: AIG To Get $150 Billion Bailout Reports.
  
• HEADLINE #1b-13: (Nov. 10, 2008) AIG Insurance Update: AIG May Get Expanded Government Funds of $150 Billion.
  
• HEADLINE #1b-12: (Nov. 9, 2008) AIG Insurance Update: AIG May Get More in Bailout.
  
• HEADLINE #1b-11: (Nov. 6, 2008) AIG Insurance Update: AIG Sales May Not Repay U.S. Loan, Forcing New Deal.  (As called by FBIC On Oct. 23.).
  
• HEADLINE #1b-10: (Oct. 31, 2008) AIG Insurance Update: 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) AIG Insurance Update: AIG's Fed Bailout 'Total' Reaches $143.8 Billion.
• HEADLINE #1b-8: (FBIC Reports Oct. 30, 2008) AIG Insurance Update: AIG Cuts Debt to $83.5 Billion Using Commercial Paper. ("it's like using one credit card to pay off another" ... but how much is the total between the loan and the commercial paper amount?).
  
• HEADLINE #1b-7: (FBIC Reports Oct. 27, 2008) American International Group aka AIG Update: . (NYSE: AIG) 52 week high: $ 64.19; AIG Shares Fell Today To $1.35, A Change -$0.35 or Down -20.59%.
• HEADLINE #1b-6: (FBIC Exclusive Reports Oct. 23, 2008) AIG Insurance Update: ($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: (FBIC Reports Oct. 9, 2008) AIG Insurance Update: 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) AIG Insurance Update:  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) AIG Insurance Update: $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) AIG Insurance Update:  Hard-nosed Super-connected Ed Liddy Is Appointed CEO At AIG By Government. OH NO! (FBIC Note: Edward Liddy Is Allstate Insurance' Former President And CEO. 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 his tenure).
  
• HEADLINE #1b-1: (Sept. 16, 2008) AIG Insurance: Federal Reserve Rescues AIG With $85 Billion Loan. (more)
  
  
• HEADLINE #1c-16: (FBIC Reports Nov. 20, 2008) Metlife Insurance Update: . (NYSE: MET) 52 week high: $ 70.08; MetLife Inc. Shares Fell Today To: $16.48 Change: -$2.52 Down: -13.26%.
  
• HEADLINE #1c-15: (FBIC Reports Nov. 20, 2008) Metlife Insurance Update: . (NYSE: MET) Commercial Mortgage Securities Batters Metlife.
  
• HEADLINE #1c-14: (FBIC Reports Nov. 19, 2008) Metlife Insurance Update: . (NYSE: MET) 52 week high: $ 70.08; MetLife Inc. Shares Fell Today To: $19 Change: -$1.72 Down: -8.3%.
  
• HEADLINE #1c-13: (FBIC Reports Nov. 18, 2008) Metlife Insurance Update: . (NYSE: MET) 52 week high: $ 70.08; MetLife Inc. Shares Fell Today To: $20.72 Change: -$1.51 Down: -6.79%.
  
• HEADLINE #1c-12: (FBIC Reports Nov. 17, 2008) Metlife Insurance Update: . (NYSE: MET) 52 week high: $ 70.08; MetLife Inc. Shares Fell Today To: $22.23 Change: -$5.91 Down: -21%.
  
• HEADLINE #1c-11: (Nov. 14, 2008) Metlife Insurance Update: . (NYSE: MET) "Insurers Mull S&L Status ... Companies that own a savings and loan and thus are already regulated by the OTS include MetLife Inc., the biggest U.S. life insurer; No. 2 Prudential Financial Inc.; Allstate Corp.; Principal Financial Group Inc. and Nationwide Corp. Those that aren't include Hartford Financial Services Group Inc., Lincoln National Corp. and Genworth Financial Inc.
• HEADLINE #1c-10: (Nov. 11, 2008) Metlife Insurance Update: MetLife Shares On The Move, Down.
  
• HEADLINE #1c-9: (FBIC Exclusive Reports Nov. 7, 2008) Metlife Insurance Update: MetLife 'Unrealized Losses' Widen On Mortgage-Backed Corporate Securities.
  
• HEADLINE #1c-8: (Oct. 30, 2008) Metlife Insurance Update: MetLife Posts Lower 3rd-Qtr Operating Profit.
  
• HEADLINE #1c-7: (FBIC Reports Oct. 27, 2008) Metlife Insurance Update: . (NYSE: MET) 52 week high: $ 70.08; MetLife Inc. Shares Fell Today To: $26.18 Change: -$3.62 Down: -12.15%.
  
• HEADLINE #1c-6: (Oct. 20, 2008) Metlife Insurance Update: MetLife Shares Fall On Write-down Fears.
  
• HEADLINE #1c-5: (Oct. 10, 2008) Metlife Insurance Update: Metlife Default Swaps Trade Upfront.
  
• HEADLINE #1c-4: (Oct. 9, 2008) Metlife Insurance Update: Metlife, Insurance Groups In Hunt For Capital.
  
• HEADLINE #1c-3: (Oct. 9, 2008) Metlife Insurance Update: Report MetLife, Hartford Financial Talked Merger.
  
• HEADLINE #1c-2: (Oct. 8, 2008) Metlife Insurance Update: MetLife (MET) - Death By Hedge Funds.
  
• HEADLINE #1c-1: (FBIC Notes Oct. 8, 2008) Metlife Insurance: 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-19: (FBIC Reports Nov 20, 2008) Prudential Insurance Update:  (NYSE: PRU) 52 week high: $ 100.96; Prudential Financial Inc. Shares Fell Today To: $13.73 Change: -$3.28 Down -19.28%.
  
• HEADLINE #1d-18: (FBIC Reports Nov. 20, 2008) Prudential Insurance Update:  (NYSE: PRU) Commercial Mortgage Securities Batters Prudential Financial.
  
• HEADLINE #1d-17: (FBIC Reports Nov 19, 2008) Prudential Insurance Update:  (NYSE: PRU) 52 week high: $ 100.96; Prudential Financial Inc. Shares Fell Today To: $17.01 Change: -$2.90 Down -14.57%.
  
• HEADLINE #1d-16: (FBIC Reports Nov 18, 2008) Prudential Insurance Update:  (NYSE: PRU) 52 week high: $ 100.96; Prudential Financial Inc. Shares Fell Today To: $19.91 Change: -$0.98 Down -4.69%.
  
• HEADLINE #1d-15: (FBIC Reports Nov 17, 2008) Prudential Insurance Update:  (NYSE: PRU) 52 week high: $ 100.96; Prudential Financial Inc. Shares Fell Today To: $20.89 Change: -$4.35 Down -17.23%.
  
• HEADLINE #1d-14: (Nov. 14, 2008) Prudential Insurance Update:  (NYSE: PRU) "Insurers Mull S&L Status ... Companies that own a savings and loan and thus are already regulated by the OTS include MetLife Inc., the biggest U.S. life insurer; No. 2 Prudential Financial Inc.; Allstate Corp.; Principal Financial Group Inc. and Nationwide Corp. Those that aren't include Hartford Financial Services Group Inc., Lincoln National Corp. and Genworth Financial Inc.
• HEADLINE #1d-13: (Nov. 14, 2008) Prudential Insurance Update:  (NYSE: PRU) Goldman Sachs Bearish On U.S. Life Insurance Sector ... Says Sell Prudential (PRU.N)
  
• HEADLINE #1d-12: (Nov. 11, 2008) Prudential Insurance Update:  (NYSE: PRU) Prudential Shares On The Move, Down.
  
• HEADLINE #1d-11: (Nov. 11, 2008) Prudential Insurance Update:  (NYSE: PRU) Prudential, Hartford Drop; Goldman First to Say Sell.
  
• HEADLINE #1d-10: (Nov. 11, 2008) Prudential Insurance Update:  (NYSE: PRU) Prudential Halves Dividend After Third-Quarter Loss.
  
• HEADLINE #1d-9: (Oct. 31, 2008) Prudential Insurance Update:  (NYSE: PRU) Shares of Prudential Fall.
  
• HEADLINE #1d-8: (Oct. 30, 2008) Prudential Insurance Update:  (NYSE: PRU) Prudential's Accounting-Books Hides $500 Million in Losses.
  
• HEADLINE #1d-7: (Oct. 30, 2008) Prudential Insurance Update:  (NYSE: PRU) Prudential Posts $108M Loss In Quarter.
  
• HEADLINE #1d-6: (Oct. 30, 2008) Prudential Insurance Update:  (NYSE: PRU) Prudential Halts Buybacks as Holdings Fall.
  
• HEADLINE #1d-5: (FBIC Reports Oct. 27, 2008) Prudential Insurance Update:  (NYSE: PRU) 52 week high: $ 100.96; Prudential Financial Inc. Shares Fell Today To: $26.18 Change: -$3.62 Down -12.15%.
  
• HEADLINE #1d-4: (Oct. 23, 2008) Prudential Insurance Update:  (NYSE: PRU) Prudential Halts Buybacks as Holdings Fall.
  
• HEADLINE #1d-3: (Oct. 20, 2008) Prudential Insurance Update:  (NYSE: PRU) Prudential Shares Fall On Write-down Fears.
  
• HEADLINE #1d-2: (Oct. 9, 2008) Prudential Insurance Update:  (NYSE: PRU) Prudential Sees Sharply Lower 3rd-Quarter Profit ... shares dive.
  
• HEADLINE #1d-1: (Oct. 2, 2008) Prudential Insurance Update:  (NYSE: PRU) Prudential Credit Swaps Widen to Record. Prudential has significant credit default exposure. ( bankruptcy )
  
  
• HEADLINE #1e-9: (FBIC Reports Nov. 20, 2008) Allstate Corporation Update:  (NYSE: ALL) 52 week high: $ 55.50;  Shares Fell Today To: $18.10  Change -$1.80 Down: -9.05%.
  
• HEADLINE #1e-8: (FBIC Reports Nov. 19, 2008) Allstate Corporation Update:  (NYSE: ALL) 52 week high: $ 55.50;  Shares Closed Today At: $19.90  Change -$5.10 Down: -20.4%.
  
• HEADLINE #1e-7: (FBIC Reports Nov. 17, 2008) Allstate Corporation Update:  (NYSE: ALL) 52 week high: $ 55.50;  Shares Closed Today At: $25.14  Change -$1.93 Down: -7.13%.
  
• HEADLINE #1e-6: (Nov. 14, 2008) Allstate Corporation Update:  (NYSE: ALL) "Insurers Mull S&L Status ... Companies that own a savings and loan and thus are already regulated by the OTS include MetLife Inc., the biggest U.S. life insurer; No. 2 Prudential Financial Inc.; Allstate Corp.; Principal Financial Group Inc. and Nationwide Corp. Those that aren't include Hartford Financial Services Group Inc., Lincoln National Corp. and Genworth Financial Inc.
• HEADLINE #1e-5: (FBIC Reports Oct. 27, 2008) Allstate Corporation Update:  (NYSE: ALL) 52 week high: $ 55.50;  Shares Fell Today To: $24.41 Change -$1.12 Down: -4.39%.
  
• HEADLINE #1e-4: (Oct. 23, 2008) Allstate: Allstate Shares Fall After Large Loss.
  
• HEADLINE #1e-3: (Oct. 23, 2008) Allstate: Allstate Halts Buybacks as Holdings Fall.
  
• HEADLINE #1e-2: (Oct. 22, 2008) Allstate: Allstate Reports $923 Million Quarterly Net Loss, Insurer realizes $1.3 billion in pre-tax investment losses.
  
• HEADLINE #1e-1: (Oct. 22, 2008) Allstate: Allstate Posts Loss on Investments, Hurricane Ike.
  
  
• 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: (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: Principal Financial Slumps With Insurance Sector.
  
  
• 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: XL Shares Continue To Slide, Hit New All-Time Low.
  
  
• HEADLINE #1h-12: (FBIC Reports Nov. 20, 2008) Lincoln National Corporation:  (NYSE: LNC): 52 week high: $ 67.39;  Shares Fell Today To: $5.07  Change -$2.24  Down: -30.64%.
  
• HEADLINE #1h-11: (FBIC Reports Nov. 19, 2008) Lincoln National Corporation:  (NYSE: LNC): 52 week high: $ 67.39;  Shares Fell Today To: $7.31  Change -$4.85  Down: -39.88%.
  
• HEADLINE #1h-10: (Nov. 17, 2008) Lincoln National:  (NYSE: LNC): Lincoln May Buy S&L With `Unsafe' Practices.
  
• HEADLINE #1h-9: (FBIC Reports Nov. 18, 2008) Lincoln National Corporation Update:  (NYSE: LNC): Treasury Secretary Henry Paulson Testified Before Congress Today.  On Point: Recently Buying A Savings Bank, It Is Very Likely That Lincoln National , Etal Will Not Receive Bailout Funds From The Treasury Program. FBIC Excerpted: Treasury Secretary Henry Paulson testified at the hearing that the Treasury Department would be selective about letting insurers participate in the CPP by creating a bank holding company or a thrift holding company. "I'm not sure that's going to be a successful strategy," Paulson said. "Using a bank or thrift holding company operation to apply for the CPP "may make sense" for insurers that have had bank holding companies for some time, Paulson said.
  
• HEADLINE #1h-8: (FBIC Reports Nov. 17, 2008) Lincoln National Corporation:  (NYSE: LNC): 52 week high: $ 67.39;  Shares Fell Today To: $12.55  Change -$1.80  Down: -12.54%.
  
• HEADLINE #1h-7: (Nov. 17, 2008) Lincoln National:  (NYSE: LNC): Lincoln National Buys Savings Bank, Seeks Funds.
  
• HEADLINE #1h-6: (FBIC Exclusive Reports Nov. 17, 2008) Lincoln National Corporation:  (NYSE: LNC): Although it has not announced, Lincoln National Corporation is expected to go the same route as The Hartford aka Hartford Financial Services and Genworth Financial Services to buy a savings and loan institution to be able to gain access to the Federal Government loan TARP Program.
• HEADLINE #1h-5: (Nov. 14, 2008) Lincoln National Corporation:  (NYSE: LNC): "Insurers Mull S&L Status ... Companies that own a savings and loan and thus are already regulated by the OTS include MetLife Inc., the biggest U.S. life insurer; No. 2 Prudential Financial Inc.; Allstate Corp.; Principal Financial Group Inc. and Nationwide Corp. Those that aren't include Hartford Financial Services Group Inc., Lincoln National Corp. and Genworth Financial Inc.
• HEADLINE #1h-4: (Nov. 14, 2008) Lincoln National:  (NYSE: LNC): Goldman Sachs Bearish On U.S Life Insurance Sector, Says Sell Lincoln National Corp (LNC.N).
  
• HEADLINE #1h-3: (Nov. 11, 2008) Lincoln National:  (NYSE: LNC) Lincoln National Shares On The Move, Down.
  
• HEADLINE #1h-2: (FBIC Reports Oct. 27, 2008) Lincoln National Corporation:  (NYSE: LNC) 52 week high: $ 67.39;  Shares Fell Today To: $18.77 Change -$2.22  Down: -10.58%.
  
• HEADLINE #1h-1: (Oct. 23, 2008) Lincoln National:  (NYSE: LNC) Lincoln National Halts Buybacks as Holdings Fall.
  
  
• HEADLINE #1i-4: (FBIC Reports Nov. 19, 2008) St. Paul Companies Inc., The aka Travelers Cos.:  (NYSE: TRV) 52 week high: $ 58.57; Shares Closed Today To: $37.29  Change -$4.10  Down: -9.91%.
  
• HEADLINE #1i-3: (FBIC Reports Nov. 17, 2008) St. Paul Companies Inc., The aka Travelers Cos.:  (NYSE: TRV) 52 week high: $ 58.57; Shares Closed Today To: $41.07  Change -$0.81  Down: -1.93%.
  
• HEADLINE #1i-2: (FBIC Reports Oct. 27, 2008) St. Paul Companies Inc., The aka Travelers Cos.:  (NYSE: TRV) 52 week high: $ 58.57; Shares Fell Today To: $37.61  Change -$4.13  Down: -9.89%.
  
• HEADLINE #1i-1: (Oct. 23, 2008) St. Paul Companies Inc., aka Travelers Companies:  (NYSE: TRV) Travelers Profit Falls 82% on Hurricanes, Investments.
  
  
• HEADLINE #1j-6: (FBIC Reports Nov. 20, 2008) CNA Financial Corp.:  (NYSE: CNA) 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-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: (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-4: (FBIC Reports N