
Legal Ease by Scott Sinder

December 2008
Certainty Not!
Inquiring minds want to know what the New York Insurance
Department means when it talks of contract certainty and how it
is certain the idea will work.
November 2008
A-I-Geeeze!
NAIC and Congress posture but do not panic as world’s
largest carrier is derailed by its financial products unit.
October 2008
Before the Fall
Regulators spent the summer confusing the issues as well as
brokers.
September 2008
Perfectly Clear
Regulatory conflicts between big and small firms mean
transparency is the only option.
July/August 2008
No More Blinders
The NAIC begins to acknowledge federal action is inevitable,
and they want a seat at the table.
June 2008
Well Fare
Wellness programs may cut employer health insurance costs, but
navigating discrimination rules has its costs, too.
May 2008
Wheel of Misfortune
The NAIC continues to run in place, although there are signs it
may step off its treadmill on occasion.
April 2008
Complicit or Compliant?
Implement a compliance program that is more than just words on
paper--or pay a hefty price.
March 2008
Sanction Sandbag
Think you’ve covered your international business bets if
you comply with money laundering and export control laws? Think
again. Don’t get bit by economic sanctions. That’s
one bite that really hurts.
January/Feburary 2008
Progress is Progress
Sometimes even the NAIC can take small steps forward.
December 2007
Small Talks
The...NAIC...inches...forward...slowly ..very...very...slowly.
State...regulators...talk..a...lot... but...do...little.
November 2007
Failed Promises
The NAIC’s failure to deliver on uniform licensing may be
violating federal law.
October 2007
Is It a Bribe?
Can you buy a foreign government official dinner, or does the
U.S. government consider that a bribe? Do your homework before
you pick up that dinner tab.
September 2007
Lite Speed
For the NAIC, this is fast. But there actually was a
change—or two. Federal pressure is starting to mount.
July/August 2007
Manual Labor
If we draft a producer licensing manual to address inequities
in state laws and procedures, maybe we can push regulators to
actually act on something
June 2007
Electronic Black Hole
May 2007
No There There
April 2007
Everybody Wants In
January/Feburary 2007
Wipe Out
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