Indexed products

Indexed products, especially Indexed Universal Life (IUL) products, have become so popular that the New York Department of Financial Services is investigating the marketing of IULs. The American Council of Life Insurers is also working to find ways to better inform consumers. This session is intended to provide an overview of how indexed products work, the various options available to producers and an update of the latest product innovations. It will also include information on the regulatory scrutiny of indexed products and how advisors can navigate these waters, going forwar...

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INDEXED LIFE INSURANCE PRODUCTS

INDEXED LIFE INSURANCE PRODUCTS (A) INTRODUCTION This bulletin informs life insurers about the Department’s handling of all indexed life insurance products and provides certain requirements for the sale of these products. These contracts are life insurance products where non-guaranteed additional credited interest is based upon a formula that is tied to data or an index outside the contract. Insurance companies frequently use the Standard and Poor’s 500 index. Insurance companies could use other indexes such as the Lehman Brothers’ index. Contract values can vary based upon the performance of the investment markets and the chosen index. The application of the index or outside data to the contract values can vary greatly from contract to contract. The purpose of the requirements...

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Installing new themes in any version of Firefox.

1. Unzip/Unrar the downloaded folder (of course!)2. Open Firefox3. Click on Tools4. Then on Themes to open the themes windowNow also open the folderif the file is in the folder…5. Just drag and drop the jar file into the theme window6. Click on OK when Firefox asks you if you want to install the theme7. Restart firefoxNow just open the themes window again and choose the theme and click on “Use Theme”. Then just restart firefox again to see you theme in action.After that, have fun browsing with the theme that you li...

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How to increase the Browsing and Downloading speed in Windows Vista?

With windows Vista you have noticed the slow internet speed. The web browsing and downloading speed is very slow as compare to previous versions of windows. You can open the same sites in windows XP and server 2003 with the normal speed. Follow the given steps to increase the Vista browsing speed: First go to Advance tab in Internet Explorer and turn off the TLS (Transport Layer Security) encryption option. Here to fix problem with some secure pages turn on the SSL 2.0 (Secure Sockets Layer) feature and click Ok button to close it. Follow the major fix for this problem: In windows Vista, the TCP autotuning feature is enabled by default. Some web servers do not respond properly to this feature, so it appears that some sites open with very slow...

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Epic Browser: From INDIAN For INDIAN

Bangalore based startup Hidden Reflex has announced the launch of its browser "Epic", which aims at making Indians all over the world proud.Epic, which also happens to be the first entirely Indian made web browser, is based on the Mozilla platform and comes with quite a bunch of India centric features. We did take it for a short spin and we came out quite happy with it. Before we look at the details, let's look at details about Hidden Reflex, the company behind the browser. The company was founded by the then U.S. based Engineer Alok Bhardwaj in 2007. However, the company is currently based in Bangalore. They initially had a team of three members and have now grown to quite a bunch of people who are working on two separate...

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Different Types of Computer Viruses

Computer Virus is a kind of malicious software written intentionally to enter a computer without the user’s permission or knowledge, with an ability to replicate itself, thus continuing to spread. Some viruses do little but replicate others can cause severe harm or adversely effect program and performance of the system. A virus should never be assumed harmless and left on a system. Most common types of viruses are mentioned below:Types of virusesBoot viruses: These viruses infect floppy disk boot records or master boot records in hard disks. They replace the boot record program (which is responsible for loading the operating system in memory) copying it elsewhere on the disk or overwriting it. Boot viruses load into memory if the computer tries...

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