Selective Insurance Group, Inc. Bank of America Merrill Lynch Insurance Conference. February 24, Forward Looking Statement
|
|
- Mervin Hicks
- 5 years ago
- Views:
Transcription
1 Selective Insurance Group, Inc. Bank of America Merrill Lynch Insurance Conference February 24, 2010 Forward Looking Statement Certain statements in this report, including information incorporated by reference, are forwardlooking statements as that term is defined in the Private Securities Litigation Reform Act of 1995 ( PSLRA ). The PSLRA provides a safe harbor under the Securities Act of 1933 and the Securities Exchange Act of 1934 for forward-looking statements. These statements relate to our intentions, beliefs, projections, estimations or forecasts of future events or our future financial performance and involve known and unknown risks, uncertainties and other factors that may cause our or our industry's actual results, levels of activity, or performance to be materially different from those expressed or implied by the forward-looking statements. In some cases, you can identify forwardlooking statements by use of words such as "may," "will," "could," "would," "should," "expect," "plan," "anticipate," "target," "project," "intend," "believe," "estimate," "predict," "potential," "pro forma," "seek," "likely" or "continue" or other comparable terminology. These statements are only predictions, and we can give no assurance that such expectations will prove to be correct. We undertake no obligation, other than as may be required under the federal securities laws, to publicly update or revise any forward-looking statements, whether as a result of new information, future events or otherwise. Factors, that could cause our actual results to differ materially from those projected, forecasted or estimated by us in forward-looking statements are discussed in further detail in Selective s public filings with the United States Securities and Exchange Commission. These risk factors may not be exhaustive. We operate in a continually changing business environment, and new risk factors emerge from time-to-time. We can neither predict such new risk factors nor can we assess the impact, if any, of such new risk factors on our businesses or the extent to which any factor or combination of factors may cause actual results to differ materially from those expressed or implied in any forward-looking statements in this report. In light of these risks, uncertainties and assumptions, the forward-looking events discussed in this report might not occur. 1
2 Financial Strength Dale Thatcher Executive Vice President Chief Financial Officer & Treasurer Who we are 22-state super-regional High tech, high touch business model Partner of choice 960 independent agents $1.4B NPW 84% commercial lines MI MN WI IA IL MO MI OH IN KY TN NY CTMA CT RI PA NJ MD DE VA NC 16% personal lines GA SC History of financial strength Rated A+ by A.M. Best for 48 years 2
3 A Foundation of Financial Strength Economic impact on growth Rebalanced investment portfolio Disciplined reserving practices Strong reinsurance program Selective: A Growth Company $ in millions 1,800 1,600 $22M $73M Net Premium Written 1,400 1,200 1, Audit & endorsement return premium 3
4 High Quality Investment Portfolio Average AA+ bond quality Approximately 3.3 year average duration, including short-term & cash Rebalanced to address market risks Market-to-amortized cost on the fixed income portfolio improved to 101.8% Equities and alternative investments down to 6% of invested assets Bonds 88% $3.8B Invested Assets December 31, 2009 Short-Term 6% Equities 2% Alternative Investments 4% Disciplined Reserving Practices Actuarial Reserve Ranges Statutory Net Loss & LAE Reserves ($M) 2,800 2,600 2,400 2,200 2,000 1, % $84 $ % $85 $ % $99 $135 Carried $2,472M 54.9% 53.9% $128 $150 $134 $162 1,600 Calendar Year Reserve Development (p/t) Loss Ratio (pts) ($5M) $7M $16M $18M $29M (0.4)
5 Strong Natural Catastrophe Reinsurance Program 14% 12% % of Equity at Risk RMS Model 9.0 Historic 9.0 Stochastic 10% 11% 8% 6% 8% 4% 2% 4% 4% 0% 1% Probability 0.4% Probability CAT cover: $310M in excess of $40M Percentages are net of tax, reinsurance and reinstatement premium. RMS data as of 7/09; Equity data as of 12/31/09. Surplus Position ($ in millions) 1,050 $1,030 $1,034 1,000 $ $ $
6 2010 Statutory Combined Ratio Guidance 100% (2.6) (1.8) % 103.5% 101.5% 2009 Calendar Year Favorable Development Normalize Cats 2009 Run Rate Pricing & modeling Claims & Expense Initiatives Loss Trends 2010 Guidance Competitively Positioned for the Market Turn Greg Murphy Chairman, President & CEO 6
7 Industry Has a Long History of Few Profitable Years C/R % 125 P&C Commercial Combined Ratios, E E Selective Industry Source: III & A.M. Best U.S. Industry vs. Insurance Industry ROE ROE % '88 '89 '90 '91 '92 '93 '94 '95 '96 '97 '98 '99 '00 '01 '02 '03 '04 '05 '06 '07 '08 09E U.S. Industry Insurance Industry Source: III & A.M. Best 7
8 Commercial Lines: Is the Market Ready to Turn? Factor Reckless Competitors Pressure from Customers Decline in Investment Yields Decline in Surplus Reserve Releases This Signals Soft Market Soft Market Hard Market Hard Market Soft Market Pricing must move higher 2009 Industry Reserve Releases 2009 Sep YTD Prior Period Development Points on the C/R Primary Specialty Regional Large Primary CL Source: Dowling & Partners 8
9 Commercial Lines Industry Pricing Indices 4.0% 2.0% 0.0% -2.0% -4.0% -6.0% -8.0% -10.0% 0.5% 0.3% -0.5% -0.6% -1.1% -2.2% -2.8% -3.1% -3.0% -4.0% -5.1% -4.9% -5.0% -4.7% -6.4% -6.3% -5.8% -6.0% -8.0% -9.0% 4Q:08 1Q:09 2Q:09 3Q:09 4Q:09 Jan:10 CLIPS Advisen ADVx CIAB MarketScout 9
10 Selective s Commercial Lines Pricing Success 4.0% 2.0% 0.0% 0.6% 1.5% 2.7% 3.5% -2.0% -0.8% -4.0% -3.0% -6.0% -8.0% -10.0% 4Q:08 1Q:09 2Q:09 3Q:09 4Q:09 Jan:10 Selective CLIPS Advisen ADVx CIAB MarketScout Granular Pricing Capabilities 12.0% 10.0% Selective Pricing by Diamond 10.3% 4Q:08 1Q:09 2Q:09 3Q:09 4Q:09 8.0% 6.0% 6.5% 7.6% 4.0% 2.8% 2.0% 0.0% -2.0% -0.3% -4.0% 1&2 Diamond 10
11 Granular Pricing Capabilities 12.0% 10.0% 8.0% 6.0% Selective Pricing by Diamond 10.3% 4Q:08 1Q:09 2Q:09 3Q:09 4Q:09 7.6% 6.5% 4.0% 2.0% 2.8% 1.6% 1.6% 3.8% 0.0% -2.0% -4.0% -0.3% 1&2 Diamond -2.1% -0.2% 3 Diamond Granular Pricing Capabilities 12.0% 10.0% 8.0% 6.0% Selective Pricing by Diamond 10.3% 4Q:08 1Q:09 2Q:09 3Q:09 4Q:09 7.6% 6.5% 4.0% 2.8% 3.8% 2.0% 0.0% -2.0% -4.0% -0.3% 1&2 Diamond -2.1% -0.2% 1.6% 1.6% 3 Diamond -2.9% -0.6% -1.6% 0.9% 0.3% 4&5 Diamond 11
12 Retaining our Best Commercial Business 95% 90% 85% 80% 85% 90% 75% 77% 70% 1 & 2 Diamond 3 Diamond 4 & 5 Diamond Retention at point of renewal as of December 31, 2009 Commercial Lines Growth Opportunity State NJ MD RI Current Share of Wallet 12.5% Most Recent Agency Commercial Lines Premium Volume ($M) 2,209 1, % Share of Wallet Results in $3.0 Billion DPW PA 8.8 2,011 NY 7.4 2,014 NC VA All other Total ,823 16,616 Added over 200 agents in Tennessee and Massachusetts expansion provides $8.5B CL potential *Includes agents appointed in 2007 and prior; Premium year end
13 Commercial Lines Quality Improvement Percent of Total New Premium Diamond Distribution WC, BOP, CPP, CA 70% 60% 53% 59% 66% Pre-Modeling Percent of Total DPW 50% 40% 30% 20% 10% 30% 29% 26% 17% 12% 8% 0% 5 & 4 Diamond 3 Diamond 2 & 1 Diamond For lines < $50,000 Commercial Lines Diversification % SBU DPW % of C/L % 94.6% 92.6% 93.5% 95% 85% 75% 3-Year Accident Combined Ratio 0 Contractors Merc/Serv Manufacturing Specialty Year Accident C/R Further diversification results in lower combined ratio 65% 13
14 Personal Lines Improvement Plan Independent agents control 35% of market 13-state footprint opportunity $900 million Underwriting and automation improvements reduced operating costs and increased data quality In-force Rate and Premium ($ in millions) Blended In-force Rate Potential Premium Based on In-force Book % $ % $7 2010E 6.0% $14 New Business DPW $43 $55 -- Personal Lines Improvement Plan Statutory Combined Ratio including flood 2009: 104.4% 2010E: 100.0% Average insurance scores improving or stable Auto Home 14
15 Focus on Long-Term Outperformance Long-Term Shareholder Value Creation $22 $0.44 $0.49 $0.52 Per Share $18 $14 $0.30 $0.30 $0.30 $0.31 $13.74 $0.35 $15.79 $0.40 $17.34 $18.81 $19.81 $0.52 $16.84 $18.83 $10 $11.46 $11.58 $12.26 $ Book Value Dividends 15
16 Long-Term Shareholder Value Creation Per Share Price-to-Book (x) Book Value Price/Book (x) Price & Book Value as of 12/31/09 Selective Insurance Group, Inc. Bank of America Merrill Lynch Insurance Conference February 24,
SELECTIVE INSURANCE GROUP, INC.
SELECTIVE INSURANCE GROUP, INC. SIDOTI & COMPANY, LLC 15 TH ANNUAL EMERGING GROWTH INSTITUTIONAL INVESTOR FORUM SELECTIVE INSURANCE GROUP, INC. MARCH 22, 2011 SELECTIVE INSURANCE GROUP, INC. FINANCIAL
More informationKEEFE, BRUYETTE & WOODS 2011 INSURANCE CONFERENCE SEPTEMBER 7, 2011
SELECTIVE INSURANCE GROUP, INC. KEEFE, BRUYETTE & WOODS 2011 INSURANCE CONFERENCE SEPTEMBER 7, 2011 Forward Looking Statement Certain statements in this report, including information incorporated by reference,
More information2016 Bank of America Merrill Lynch Insurance Conference
2016 Bank of America Merrill Lynch Insurance Conference February 2016 Forward Looking Statements Certain statements in this report, including information incorporated by reference, are forward-looking
More informationSidoti s Seventeenth Annual Emerging Growth Conference. March 18, 2013
Sidoti s Seventeenth Annual Emerging Growth Conference March 18, 2013 Forward Looking Statement Certain statements in this report, including information incorporated by reference, are forward looking statements
More informationSelective Insurance Group, Inc.
Selective Insurance Group, Inc. KBW Insurance Conference September 10, 2015 Forward Looking Statements Certain statements in this report, including information incorporated by reference, are forward-looking
More informationSelective Insurance Group, Inc.
Selective Insurance Group, Inc. 2 nd Quarter Investor Presentation Current as of April 30, 2015 Forward Looking Statements Certain statements in this report, including information incorporated by reference,
More informationSelective Insurance Group, Inc.
Selective Insurance Group, Inc. 2 nd Quarter Investor Presentation Current as of May 27, 2014 Certain statements in this report, including information incorporated by reference, are forward-looking statements
More informationRaymond James 33 rd Annual Institutional Investors Conference. March 6, 2012
Raymond James 33 rd Annual Institutional Investors Conference March 6, 2012 Forward Looking Statement Certain statements in this report, including information incorporated by reference, are forward-looking
More informationSELECTIVE INSURANCE GROUP, INC.
PAGE 1 SELECTIVE INSURANCE GROUP, INC. 2019 CREDIT SUISSE FINANCIAL SERVICES FORUM BANK OF AMERICA MERRILL LYNCH 2019 INSURANCE CONFERENCE F E B R U A RY 1 4, 2019 PAGE 2 SAFE HARBOR STATEMENT In this
More informationThe Acquisition of Regions Insurance Group. April 6, 2018
The Acquisition of Regions Insurance Group April 6, 2018 Forward-Looking Statements This presentation contains "forward-looking statements" within the meaning of the Private Securities Litigation Reform
More informationFINANCIAL SUPPLEMENT FIRST QUARTER Exhibit 99.2
FINANCIAL SUPPLEMENT FIRST QUARTER 2018 Exhibit 99.2 Forward-Looking Statements Certain statements in this report, including information incorporated by reference, are forward-looking statements as that
More informationFINANCIAL SUPPLEMENT SECOND QUARTER Exhibit 99.2
FINANCIAL SUPPLEMENT SECOND QUARTER 2018 Exhibit 99.2 Forward-Looking Statements Certain statements in this report, including information incorporated by reference, are forward-looking statements as that
More informationMarch, Employers Holdings, Inc. Investor Presentation
March, 2011 Employers Holdings, Inc. Investor Presentation Safe Harbor Disclosure This slide presentation is for informational purposes only. It should be read in conjunction with our Form 10-K for the
More informationINVESTOR DAY PRESENTATION SETTING THE STAGE FOR SUSTAINED OUTPERFORMANCE
INVESTOR DAY PRESENTATION SETTING THE STAGE FOR SUSTAINED OUTPERFORMANCE PAGE 2 SAFE HARBOR STATEMENT In this presentation, we make certain statements and reference other information that are forward-looking
More informationExhibit In the third quarter of 2017:
Exhibit 99.1 Selective Reports Strong Results for the Third Quarter of 2017 - Net Income per Diluted Share of $0.79; Operating Income 1 per Diluted Share of $0.72; Dividend Increase of 13% to $0.18 per
More informationSelective Reports First Quarter 2017 Net Income per Diluted Share of $0.85 and Operating Income 1 per Diluted Share of $0.86
Selective Reports First Quarter 2017 Net Income per Diluted Share of $0.85 and Operating Income 1 per Diluted Share of $0.86 Strong Underwriting Results with Statutory Combined Ratio of 89.7% In the first
More informationFourth Quarter 2014 Financial Results Supplement
Fourth Quarter 20 Financial Results Supplement February 19, 2015 Table of contents Financial Results Segment Business Information 2 - Annual Financial Results 12 - Single-Family New Funding Volume 3 -
More informationThe Hartford Financial Services Group, Inc. October 23, 2017 The Hartford to Acquire Aetna s U. S. Group Life and Disability Business
The Hartford Financial Services Group, Inc. October 23, 2017 The Hartford to Acquire Aetna s U. S. Group Life and Disability Business Copyright 2017 by The Hartford. All rights reserved. No part of this
More informationFlorida 1/1/2016 Workers Compensation Rate Filing
Florida 1/1/2016 Workers Compensation Rate Filing Kirt Dooley, FCAS, MAAA October 21, 2015 1 $ Billions 4.0 3.5 3.0 2.5 2.0 1.5 1.0 0.5 0.0 Florida s Workers Compensation Premium Volume 2.368 0.765 0.034
More informationSTATE OF THE LINE REPORT
ANNUAL ISSUES SYMPOSIUM STATE OF THE LINE REPORT T H E SYSTEM @WORK KATHY ANTONELLO, FCAS, FSA, MAAA CHIEF ACTUARY NCCI Copyright NCCI Holdings, Inc. All Rights Reserved. ANNUAL ISSUES SYMPOSIUM PROPERTY/CASUALTY
More informationComparative Revenues and Revenue Forecasts Prepared By: Bureau of Legislative Research Fiscal Services Division State of Arkansas
Comparative Revenues and Revenue Forecasts 2010-2014 Prepared By: Bureau of Legislative Research Fiscal Services Division State of Arkansas Comparative Revenues and Revenue Forecasts This data shows tax
More informationTHE MOST RECOGNIZED BRAND IN SELF-STORAGE
THE MOST RECOGNIZED BRAND IN SELF-STORAGE Forward-Looking Statements This presentation contains "forward-looking statements" within the meaning of Section 27A of the Securities Act of 1933 and Section
More informationRLI TRANSPORTATION A Division of RLI Insurance Company 2970 Clairmont Road, Suite 1000 Atlanta, GA Phone: Fax:
RLI TRANSPORTATION A Division of RLI Insurance Company 2970 Clairmont Road, Suite 1000 Atlanta, GA 30329 Phone: 404-315-9515 Fax: 404-315-6558 AGENCY/BROKER PROFILE Please type your answers. Use a separate
More informationOlder consumers and student loan debt by state
August 2017 Older consumers and student loan debt by state New data on the burden of student loan debt on older consumers In January, the Bureau published a snapshot of older consumers and student loan
More information2016 Workers compensation premium index rates
2016 Workers compensation premium index rates NH WA OR NV CA AK ID AZ UT MT WY CO NM MI VT ND MN SD WI NY NE IA PA IL IN OH WV VA KS MO KY NC TN OK AR SC MS AL GA TX LA FL ME MA RI CT NJ DE MD DC = Under
More informationCredit Suisse 2012 Healthcare Conference November 14, 2012
Walter Hosp Chief Financial Officer Maria Perrin Chief Business Officer Contact: Christine Saenz csaenz@hms.com 212.857.5986 Credit Suisse 2012 Healthcare Conference November 14, 2012 Sf Safe Harbor Statement
More informationPRODUCER ANNUITY SUITABILITY TRAINING REQUIREMENTS BY STATE As of September 11, 2017
PRODUCER ANNUITY SUITABILITY TRAINING REQUIREMENTS BY STATE As of September 11, 2017 This document provides a summary of the annuity training requirements that agents are required to complete for each
More informationCreating a Super Regional Personal Lines Carrier Acquisition of Narragansett Bay Insurance. August 2017
Creating a Super Regional Personal Lines Carrier Acquisition of Narragansett Bay Insurance August 2017 Disclaimer Safe Harbor Statement Statements in this presentation that are not historical facts are
More informationState of the Automotive Finance Market
State of the Automotive Finance Market A look at loans and leases in Q4 2017 Presented by: Melinda Zabritski Sr. Director, Financial Solutions www.experian.com/automotive 2018 Experian Information Solutions,
More informationFall 2018 Investor Briefing
Nasdaq: KINS Fall 2018 Investor Briefing Includes financial data through June 30, 2018 Safe Harbor The issuer has filed a registration statement(including a prospectus and a prospectus supplement) with
More informationFirst Quarter 2017 Financial Results Supplement. May 2, 2017
First Quarter 2017 Financial Results Supplement May 2, 2017 Table of contents Financial Results 3 Quarterly Financial Results 4 Market-Related Items 5 Segment Financial Results 6 Portfolio Balances 7 Treasury
More informationAviva Announcing Changes to Products and Annuity Rates
September 9, 2011 Aviva Announcing Changes to Products and Annuity Rates This field update contains information on product and rate changes effective September 16, 2011. We want to thank you for all of
More informationWELLCARE WINS BID IN EVERY REGION FOR 2007 AND INTRODUCES CLASSIC PLAN WITH LOWER PLAN PREMIUMS
PR Contact: IR Contact: H. Patel Jeff Potter CKPR WellCare Health Plans, Inc. (312) 616-2471 (813) 290-6313 hpatel@ckpr.biz jeff.potter@wellcare.com WELLCARE WINS BID IN EVERY REGION FOR 2007 AND INTRODUCES
More informationHoops and Hurdles. The InsurTech Road to Market. Steve Walsh MAY 2018
Hoops and Hurdles The InsurTech Road to Market Steve Walsh MAY 2018 Hoops and Hurdles The InsurTech Road to Market Bring your InsurTech Idea to Market! Chip out of Sand Hill Sand Trap, traverse Regulatory
More informationProperty Tax Relief in New England
Property Tax Relief in New England January 23, 2015 Adam H. Langley Senior Research Analyst Lincoln Institute of Land Policy www.lincolninst.edu Property Tax as a % of Personal Income OK AL IN UT SD MS
More informationBlack Knight Mortgage Monitor
Black Knight Mortgage Monitor Mortgage Market Performance Observations Data as of May, 2014 Month-end Black Knight First Look May 2014 Total U.S. loan delinquency rate (loans 30 or more days past due,
More informationKingstone Companies, Inc. (Nasdaq: KINS) Presentation to New York Society of Security Analysts. Corporate Headquarters in Kingston, NY
Kingstone Companies, Inc. (Nasdaq: KINS) Presentation to New York Society of Security Analysts Corporate Headquarters in Kingston, NY Safe Harbor Statements in this presentation, including the information
More informationThe Lincoln National Life Insurance Company Term Portfolio
The Lincoln National Life Insurance Company Term Portfolio State Availability as of 7/16/2018 PRODUCTS AL AK AZ AR CA CO CT DE DC FL GA GU HI ID IL IN IA KS KY LA ME MP MD MA MI MN MS MO MT NE NV NH NJ
More informationQ INVESTOR PRESENTATION. May 4, 2018
Q 208 INVESTOR PRESENTATION May 4, 208 DISCLAIMERS FORWARD-LOOKING STATEMENTS. The financial results in this presentation reflect preliminary unaudited results, which are not final until Form 0-Q for the
More informationQ Investor Presentation. November 2, 2018
Q3 08 Investor Presentation November, 08 Disclaimer FORWARD-LOOKING STATEMENTS. The financial results in this presentation reflect preliminary unaudited results, which are not final until the Form 0-Q
More informationSCHIP: Let the Discussions Begin
Figure 0 SCHIP: Let the Discussions Begin Diane Rowland, Sc.D. Executive Vice President, Henry J. Kaiser Family Foundation and Executive Director, Kaiser Commission on for Alliance for Health Reform February
More informationEye on the South Carolina Housing Market presented at 2008 HBA of South Carolina State Convention August 1, 2008
Eye on the South Carolina Housing Market presented at 28 HBA of South Carolina State Convention August 1, 28 Robert Denk Assistant Staff Vice President, Forecasting & Analysis 2, US Single Family Housing
More information2016 AmTrust Financial Conference
November 16, 8, 2017 2016 2016 AmTrust Financial Investor Services, Inc. Conference Third Quarter 2017 Financial Results CONSISTENT VISION DIFFERENTIATED MODEL SUSTAINABLE GROWTH Safe Harbor Statement
More informationEquity LifeStyle Properties
Equity LifeStyle Properties Our Story One of the nation s largest real estate networks with 411 properties containing 153,847 sites in 32 states and British Columbia Unique business model u Own the land
More informationUTILIZATION OF CAPTIVES TODAY
UTILIZATION OF CAPTIVES TODAY November 20, 2015 Prepared by: Julie Patel Vice President Marsh Captive Solutions Utilization of Captives Today Objectives of Discussion 1. Captive Basics 2. The Process of
More informationJefferies 2012 Global Healthcare Conference June 4, 2012
Walter Hosp Chief Financial Officer Contact: Christine Saenz csaenz@hms.comcom 212.857.5986 Jefferies 2012 Global Healthcare Conference June 4, 2012 Sf Safe Harbor Statement This presentation contains
More informationehealth, Inc Fall Cost Report for Individual and Family Policyholders
ehealth, Inc. 2010 Fall Cost Report for and Family Policyholders Table of Contents Page Methodology.................................................................. 2 ehealth, Inc. 2010 Fall Cost Report
More informationCharles Gullickson (Penn Treaty/ANIC Task Force Chair), Richard Klipstein (NOLHGA)
MEMO DATE: TO: Charles Gullickson (Penn Treaty/ANIC Task Force Chair), Richard Klipstein (NOLHGA) FROM: Vincent L. Bodnar, ASA, MAAA RE: Penn Treaty Network American Insurance Company and American Network
More informationBlack Knight Mortgage Monitor
Black Knight Mortgage Monitor Mortgage Market Performance Observations Data as of April, 2014 Month-end Black Knight First Look April 2014 2 Focus Points Prepayment activity and originations ARM loans
More informationState Trust Fund Solvency
Unemployment Insurance State Trust Fund Solvency National Employment Law Project Conference - Washington DC December 7, 2009 Robert Pavosevich pavosevich.robert@dol.gov Unemployment Insurance Program
More informationNCCI Research Workers Compensation and Prescription Drugs 2016 Update
NCCI Research Workers Compensation and Prescription Drugs 2016 Update By Barry Lipton, FCAS, MAAA, Practice Leader and Senior Actuary, NCCI David Colón, ACAS, MAAA, Associate Actuary, NCCI Introduction
More informationCONTINGENT COVERAGES AVAILABLE FOR AUTO LESSORS
CONTINGENT COVERAGES AVAILABLE FOR AUTO LESSORS LESSORS CONTINGENT LIABILITY $100,000 per person, $300,000 per occurrence, Bodily Injury; and $50,000 per occurrence, Property Damage ($100/300/50). As the
More informationLocal Anesthesia Administration by Dental Hygienists State Chart
Education or AK 1981 General Both Specific Yes WREB 16 hrs didactic; 6 hrs ; 8 hrs lab AZ 1976 General Both Accredited Yes WREB 36 hrs; 9 types of AR 1995 Direct Both Accredited/ Board Approved No 16 hrs
More informationCost and Coverage Implications of the ACA Medicaid Expansion: National and State by State Analysis
Cost and Coverage Implications of the ACA Medicaid Expansion: National and State by State Analysis Report Authors: John Holahan, Matthew Buettgens, Caitlin Carroll, and Stan Dorn Urban Institute November
More informationTCJA and the States Responding to SALT Limits
TCJA and the States Responding to SALT Limits Kim S. Rueben Tuesday, January 29, 2019 1 What does this mean for Individuals under TCJA About two-thirds of taxpayers will receive a tax cut with the largest
More informationIncrease Profitability by Controlling Insurance Premiums
Increase Profitability by Controlling Insurance Premiums Increase Profitability by Controlling Insurance Premiums Jeff Mount Senior Vice President Federated Insurance This session is eligible for 1.5 Continuing
More informationWorkers Compensation Ratemaking An Overview
Antitrust Notice The Casualty Actuarial Society is committed to adhering strictly to the letter and spirit of the antitrust laws. Seminars conducted under the auspices of the CAS are designed solely to
More informationRerouting the Regulation of Insurance: The Actuaries Perspective
Rerouting the Regulation of Insurance: The Actuaries Perspective An Capitol Hill Briefing June 1, 2004 1 Rerouting the Regulation of Insurance 1 Panel Moderator: Henry W. Siegel, FSA, MAAA Vice Chairperson,
More informationMassachusetts Budget and Policy Center
Progressive Massachusetts 2013 Policy Conference March 24, 2013 Lasell College Newton, MA Presentation by Massachusetts Budget and Policy Center Our State Budget: Building a Better Future Together Massachusetts
More informationAge of Insured Discount
A discount may apply based on the age of the insured. The age of each insured shall be calculated as the policyholder s age as of the last day of the calendar year. The age of the named insured in the
More informationQ4 AND FULL-YEAR 2017 INVESTOR PRESENTATION. February 23, 2018
Q4 AND FULL-YEAR 207 INVESTOR PRESENTATION February 23, 208 DISCLAIMERS FORWARD-LOOKING STATEMENTS. The financial results in this presentation reflect preliminary unaudited results, which are not final
More informationINTERIM SUMMARY REPORT ON RISK ADJUSTMENT FOR THE 2016 BENEFIT YEAR
DEPARTMENT OF HEALTH & HUMAN SERVICES Centers for Medicare & Medicaid Services Center for Consumer Information and Insurance Oversight 200 Independence Avenue SW Washington, DC 20201 INTERIM SUMMARY REPORT
More informationPORTFOLIO REVENUE EXPENSES PERFORMANCE WATCHLIST
July 2018 ASSET MANAGEMENT Low-Income Housing Tax Credit Portfolio Trends Analysis Enterprise s Low-Income Housing Tax Credit (LIHTC) Portfolio Trends Analysis provides important information to our management
More informationFiduciary Tax Returns
Functions and Procedures Index Books On Line Main Directory Overview... 2 How does it work?... 3 What Information is transmitted to the Tax Service?... 4 How do I initiate this service?... 8 Do I have
More informationPresented by: Matt Turkstra
Presented by: Matt Turkstra 1 » What s happening in Ohio?» How is health insurance changing? Individual and Group Health Insurance» Important employer terms» Impact small businesses that do not offer insurance?
More informationReport to Congressional Defense Committees
Report to Congressional Defense Committees The Department of Defense Comprehensive Autism Care Demonstration December 2016 Quarterly Report to Congress In Response to: Senate Report 114-255, page 205,
More informationPotential Impact of Proposed 2011 Standard Reinsurance Agreement
Potential Impact of Proposed 2011 Standard Reinsurance Agreement Analysis of Second Draft Released by Risk Management Agency on February 23, 2010 Aon Benfield 200 East Randolph Street Chicago, IL 60601
More informationPatient Protection and. Affordable Care Act: The Impact on Employers
Patient Protection and Affordable Care Act: The Impact on Employers April 2013 Agenda Introductions Individual Mandate Healthcare Exchange Overview Impact on Employers Essential Health Benefits Fees &
More informationJim Swegle Vice President, Safeco Personal Insurance Annual AIFA Conference March 3, 2008
Jim Swegle Vice President, Safeco Personal Insurance 2008 Annual AIFA Conference March 3, 2008 Safe-Harbor Statement UNDER THE PRIVATE SECURITIES LITIGATION REFORM ACT OF 1995 Forward-looking information
More informationEquity LifeStyle Properties
Equity LifeStyle Properties Our Story One of the nation s largest real estate networks with 409 properties containing 152,658 sites in 32 states and British Columbia Unique business model u Own the land
More informationPLEASE NOTE: Required American Equity specific Product Training must be completed PRIOR to soliciting an Application to A
PLEASE NOTE: Required American Equity specific Product Training must be completed IOR to soliciting an Application to A Signed in as: JOSEPH E GOSS LTD 3/12/2014 1:18:30 PM Home Announcements Information
More informationSchedule of Commissions
American Continental Insurance Company (ACI) Aetna Health Insurance Company (AHIC) Aetna Health and Life Insurance Company (AHLIC) Aetna Life Insurance Company (ALIC) Continental Life Insurance Company
More informationQ Investor Call
Q3 2011 Investor Call October 28, 2011 Bill Lucia, President and CEO Walter Hosp, EVP and CFO Contact: Christine Saenz csaenz@hms.com 212.857.5986 Discussion Outline Q3 2011 Financial Performance 2011
More informationBank of America Merrill Lynch Insurance Conference. The Hanover Insurance Group (THG) February 14, 2013
Bank of America Merrill Lynch Insurance Conference The Hanover Insurance Group (THG) February 14, 2013 Forward Looking Statements and Non GAAP Financial Measures Forward Looking Statements: Certain statements
More informationEquity LifeStyle Properties
Equity LifeStyle Properties Our Story One of the nation s largest real estate networks with 386 properties containing over 143,500 sites in 32 states and British Columbia Unique business model u Own the
More informationSIGNIFICANT PROVISIONS OF STATE UNEMPLOYMENT INSURANCE LAWS JANUARY 2008
U.S. DEPARTMENT OF LABOR EMPLOYMENT AND TRAINING ADMINISTRATION Office Workforce Security SIGNIFICANT PROVISIONS OF STATE UNEMPLOYMENT INSURANCE LAWS JANUARY 2008 AL AK AZ AR CA CO CT DE DC FL GA HI /
More informationACORD Forms in ebixasp (03/2004)
ACORD Forms in ebixasp (03/2004) Form number Form Name Edition Date 1 Property Loss Notice 2002/1 2 Automobile Loss Notice 2002/1 3 General Liability Notice of Occurrence/Claim 2002/1 4 Workers Compensation
More informationOregon: Where Taxes Are Low, Fees Are High and Revenue Is Slightly Below Average
Issue Brief March 6, 2012 Oregon: Where Taxes Are Low, Fees Are High and Revenue Is Slightly Below Average The money we pay in fees and taxes helps create jobs, build a strong economy, and preserve Oregon
More informationLong-Term Care Education Requirements Prior to Selling
for Training AK All Health 8 hrs 4 hrs 24 months AL All Accident & Health 8 hrs 4 hrs Renewal deadline is the date the license expires. s are renewed biennially based on agent's birth month and year. AR
More informationThe State Tax Implications of Federal Tax Reform Legislation
The State Tax Implications of Federal Tax Reform Legislation Executive Committee Task Force on State and Local Taxation Phoenix, Arizona January 14, 2017 Joe Crosby, Multistate Associates Karl Frieden,
More informationLong-Term Care Education Requirements Prior to Selling
for AK All Health 8 hrs 4 hrs 24 months AL All Accident & Health 8 hrs 4 hrs Renewal deadline is the date the license expires. s are renewed biennially based on agent's birth month and year. AR All Accident,
More informationFBR Fall Capital Markets Investor Conference. December 2, 2009
FBR Fall Capital Markets Investor Conference December 2, 2009 Forward Looking Statements This presentation contains forward-looking statements which are made pursuant to the safe harbor provisions of the
More informationPresentation to Southern Employee Benefits Conference
Presentation to Southern Employee Benefits Conference Company History Republic National Distributing Company (RNDC) formed in 2007 Approximately $5 billion in annual sales Currently 74 th on the Forbes
More informationOne Year Later: Update on Claim Payouts to Alabama Policyholders
One Year Later: Update on Claim Payouts to Alabama Policyholders Insurance and Economic Recovery in the Wake of the April 211 Tornadoes Insurance Information Institute April 19, 212 Download at www.iii.org/presentations
More informationACORD Forms Updated in AMS R1
ACORD Forms Updated in AMS360 2017 R1 The following forms will use the ACORD form viewer, also new in this release. Forms with an indicate they were added because of requests in the Product Enhancement
More informationTable of Contents. Title. I. Principal Parties to the Transaction 2. II. Explanations, Definitions, Abbreviations 2
Table of Contents Title Page I. Principal Parties to the Transaction 2 II. Explanations, Definitions, Abbreviations 2 III. Deal Parameters 3 A. Student Loan Portfolio Characteristics B. Notes C. Reserve
More informationAmerican Realty Capital Properties Investor Presentation September 2014
American Realty Capital Properties Investor Presentation September 2014 www.arcpreit.com :: NASDAQ: ARCP Forward-Looking Statements Information set forth herein (including information included or incorporated
More informationMedicare Alert: Temporary Member Access
Medicare Alert: Temporary Member Access Plan Sponsor: Coventry/Aetna Medicare Part D Effective Date: Jan. 12, 2015 Geographic Area: National If your pharmacy is a Non Participating provider in the Aetna/Coventry
More informationMedicaid Funding and Policies Is There a Medicaid Crisis? A Financial Diagnosis for State and Local Government
Medicaid Funding and Policies Is There a Medicaid Crisis? A Financial Diagnosis for State and Local Government Matt Powers Health Management Associates March 15, 2007 Main Points Medicaid Remains a Workhorse
More information1332 State Innovaton Waivers and the Exceutive Order on Insurance
1332 State Innovaton Waivers and the Exceutive Order on Insurance December 10, 2017 San Diego NCSL Capitol Forum http://www.ncsl.org/default.aspx?tabid=30219 1 Presenters today: Kevin Lucia, JD Georgetown
More informationRefinance Report August 2012
This report contains data on refinance program activity of Fannie Mae and Freddie Mac (the Enterprises) through. Report Highlights Refinance volume continued to be strong in August as 30-year mortgage
More informationEquity LifeStyle Properties
Equity LifeStyle Properties Our Story One of the nation s largest real estate networks with 406 properties containing 151,323 sites in 32 states and British Columbia Unique business model u Own the land
More informationAnalyzing State-Level Construction Fatality Rates,
Analyzing State-Level Construction Fatality Rates, 1992-2016 John Mendeloff Professor of Public Affairs University of Pittsburgh jmen@pitt.edu Wayne B. Gray Professor of Economics Clark University wgray@clarku.edu
More informationTaxing Investment Income in the States New Hampshire Fiscal Policy Institute 2 nd Annual Budget and Policy Conference Concord, NH January 23, 2015
Taxing Investment Income in the States New Hampshire Fiscal Policy Institute 2 nd Annual Budget and Policy Conference Concord, NH January 23, 2015 Norton Francis State and Local Finance Initiative Urban-Brookings
More informationUnemployment Insurance Benefit Adequacy: How many? How much? How Long?
Unemployment Insurance Benefit Adequacy: How many? How much? How Long? Joel Sacks, Deputy Commissioner Washington State Employment Security Department March 1, 2012 1 Outline How many get unemployment
More informationPercent of Employees Waiving Coverage 27.0% 30.6% 29.1% 23.4% 24.9%
Number of Health Plans Reported 18,186 3,561 681 2,803 3,088 Offer HRA or HSA 34.0% 42.7% 47.0% 39.7% 35.0% Annual Employer Contribution $1,353 $1,415 $1,037 $1,272 $1,403 Percent of Employees Waiving
More informationTax Freedom Day 2018 is April 19th
Apr. 2018 Tax Freedom Day 2018 is April 19th Erica York Analyst Key Findings Tax Freedom Day is a significant date for taxpayers and lawmakers because it represents how long Americans as a whole have to
More informationCONSTRUCTION RISK MITIGATION THROUGH CONFORMITY ASSESSMENT
CONSTRUCTION RISK MITIGATION THROUGH CONFORMITY ASSESSMENT Graham Brent, Chief Executive Officer National Commission for the Certification of Crane Operators (NCCCO) World Standards Week ANSI-SPRING Services
More informationYolanda K. Kodrzycki New England Public Policy Center Federal Reserve Bank of Boston
The Growing Instability of Revenues over the Business Cycle: Putting the New England States in Perspective Yolanda K. Kodrzycki New England Public Policy Center Federal Reserve Bank of Boston Lincoln Institute
More informationState Treatment of Social Security Treatment of Pension Income Other Income Tax Breaks Property Tax Breaks
State-By-State Tax Breaks for Seniors, 2016 State Treatment of Social Security Treatment of Pension Income Other Income Tax Breaks Property Tax Breaks AL Payments from defined benefit private plans are
More information