id sid tid token lemma pos en-wikipedia-org-9050 1 1 Insurance insurance NN en-wikipedia-org-9050 1 2 in in IN en-wikipedia-org-9050 1 3 the the DT en-wikipedia-org-9050 1 4 United United NNP en-wikipedia-org-9050 1 5 States States NNP en-wikipedia-org-9050 1 6 - - HYPH en-wikipedia-org-9050 1 7 Wikipedia Wikipedia NNP en-wikipedia-org-9050 1 8 Insurance Insurance NNP en-wikipedia-org-9050 1 9 in in IN en-wikipedia-org-9050 1 10 the the DT en-wikipedia-org-9050 1 11 United United NNP en-wikipedia-org-9050 1 12 States States NNP en-wikipedia-org-9050 1 13 From from IN en-wikipedia-org-9050 1 14 Wikipedia Wikipedia NNP en-wikipedia-org-9050 1 15 , , , en-wikipedia-org-9050 1 16 the the DT en-wikipedia-org-9050 1 17 free free JJ en-wikipedia-org-9050 1 18 encyclopedia encyclopedia NN en-wikipedia-org-9050 1 19 Jump Jump NNP en-wikipedia-org-9050 1 20 to to IN en-wikipedia-org-9050 1 21 navigation navigation NN en-wikipedia-org-9050 1 22 Jump Jump NNP en-wikipedia-org-9050 1 23 to to TO en-wikipedia-org-9050 1 24 search search VB en-wikipedia-org-9050 1 25 This this DT en-wikipedia-org-9050 1 26 article article NN en-wikipedia-org-9050 1 27 is be VBZ en-wikipedia-org-9050 1 28 part part NN en-wikipedia-org-9050 1 29 of of IN en-wikipedia-org-9050 1 30 series series NN en-wikipedia-org-9050 1 31 on on IN en-wikipedia-org-9050 1 32 the the DT en-wikipedia-org-9050 1 33 Economy Economy NNP en-wikipedia-org-9050 1 34 of of IN en-wikipedia-org-9050 1 35 the the DT en-wikipedia-org-9050 1 36 United United NNP en-wikipedia-org-9050 1 37 States States NNP en-wikipedia-org-9050 1 38 Economic Economic NNP en-wikipedia-org-9050 1 39 History history NN en-wikipedia-org-9050 1 40 Agricultural agricultural JJ en-wikipedia-org-9050 1 41 History history NN en-wikipedia-org-9050 1 42 Banking bank VBG en-wikipedia-org-9050 1 43 history history NN en-wikipedia-org-9050 1 44 Petroleum Petroleum NNP en-wikipedia-org-9050 1 45 history history NN en-wikipedia-org-9050 1 46 Industrial Industrial NNP en-wikipedia-org-9050 1 47 Revolution Revolution NNP en-wikipedia-org-9050 1 48 in in IN en-wikipedia-org-9050 1 49 the the DT en-wikipedia-org-9050 1 50 United United NNP en-wikipedia-org-9050 1 51 States States NNP en-wikipedia-org-9050 1 52 History History NNP en-wikipedia-org-9050 1 53 of of IN en-wikipedia-org-9050 1 54 the the DT en-wikipedia-org-9050 1 55 United United NNP en-wikipedia-org-9050 1 56 States States NNP en-wikipedia-org-9050 1 57 dollar dollar NN en-wikipedia-org-9050 1 58 Lumber Lumber NNP en-wikipedia-org-9050 1 59 history history NN en-wikipedia-org-9050 1 60 Tariff tariff NN en-wikipedia-org-9050 1 61 History history NN en-wikipedia-org-9050 1 62 United United NNP en-wikipedia-org-9050 1 63 States States NNP en-wikipedia-org-9050 1 64 dollar dollar NN en-wikipedia-org-9050 1 65 History history NN en-wikipedia-org-9050 1 66 by by IN en-wikipedia-org-9050 1 67 State State NNP en-wikipedia-org-9050 1 68 Sectors Sectors NNPS en-wikipedia-org-9050 1 69 Primary Primary NNP en-wikipedia-org-9050 1 70 sector sector NN en-wikipedia-org-9050 1 71 Agriculture Agriculture NNP en-wikipedia-org-9050 1 72 Energy Energy NNP en-wikipedia-org-9050 1 73 Petroleum Petroleum NNP en-wikipedia-org-9050 1 74 Electricity Electricity NNP en-wikipedia-org-9050 1 75 Mining Mining NNP en-wikipedia-org-9050 1 76 Fishing Fishing NNP en-wikipedia-org-9050 1 77 Forestry Forestry NNP en-wikipedia-org-9050 1 78 Water Water NNP en-wikipedia-org-9050 1 79 and and CC en-wikipedia-org-9050 1 80 Sanitation Sanitation NNP en-wikipedia-org-9050 1 81 Secondary Secondary NNP en-wikipedia-org-9050 1 82 Sector Sector NNP en-wikipedia-org-9050 1 83 Automotive Automotive NNP en-wikipedia-org-9050 1 84 Iron Iron NNP en-wikipedia-org-9050 1 85 and and CC en-wikipedia-org-9050 1 86 Steel Steel NNP en-wikipedia-org-9050 1 87 Pulp Pulp NNP en-wikipedia-org-9050 1 88 and and CC en-wikipedia-org-9050 1 89 Paper Paper NNP en-wikipedia-org-9050 1 90 Tertiary Tertiary NNP en-wikipedia-org-9050 1 91 sector sector NN en-wikipedia-org-9050 1 92 Social Social NNP en-wikipedia-org-9050 1 93 programs program NNS en-wikipedia-org-9050 1 94 Transportation Transportation NNP en-wikipedia-org-9050 1 95 Tourism Tourism NNP en-wikipedia-org-9050 1 96 Education Education NNP en-wikipedia-org-9050 1 97 Gambling Gambling NNP en-wikipedia-org-9050 1 98 Healthcare Healthcare NNP en-wikipedia-org-9050 1 99 Insurance Insurance NNP en-wikipedia-org-9050 1 100 Financial Financial NNP en-wikipedia-org-9050 1 101 services service NNS en-wikipedia-org-9050 1 102 Central Central NNP en-wikipedia-org-9050 1 103 Bank Bank NNP en-wikipedia-org-9050 1 104 Banking Banking NNP en-wikipedia-org-9050 1 105 Largest Largest NNP en-wikipedia-org-9050 1 106 Banks bank NNS en-wikipedia-org-9050 1 107 Stock stock NN en-wikipedia-org-9050 1 108 exchanges exchange NNS en-wikipedia-org-9050 1 109 Largest large JJS en-wikipedia-org-9050 1 110 Companies company NNS en-wikipedia-org-9050 1 111 Companies Companies NNPS en-wikipedia-org-9050 1 112 listed list VBN en-wikipedia-org-9050 1 113 on on IN en-wikipedia-org-9050 1 114 the the DT en-wikipedia-org-9050 1 115 NYSE NYSE NNP en-wikipedia-org-9050 1 116 Economy Economy NNP en-wikipedia-org-9050 1 117 by by IN en-wikipedia-org-9050 1 118 State State NNP en-wikipedia-org-9050 1 119 California California NNP en-wikipedia-org-9050 1 120 Texas Texas NNP en-wikipedia-org-9050 1 121 New New NNP en-wikipedia-org-9050 1 122 York York NNP en-wikipedia-org-9050 1 123 Florida Florida NNP en-wikipedia-org-9050 1 124 more more RBR en-wikipedia-org-9050 1 125 ... ... : en-wikipedia-org-9050 1 126 State state NN en-wikipedia-org-9050 1 127 statistics statistic NNS en-wikipedia-org-9050 1 128 State State NNP en-wikipedia-org-9050 1 129 Budgets Budgets NNPS en-wikipedia-org-9050 1 130 State State NNP en-wikipedia-org-9050 1 131 Credit Credit NNP en-wikipedia-org-9050 1 132 Ratings Ratings NNP en-wikipedia-org-9050 1 133 State State NNP en-wikipedia-org-9050 1 134 unemployment unemployment NN en-wikipedia-org-9050 1 135 rate rate NN en-wikipedia-org-9050 1 136 Union Union NNP en-wikipedia-org-9050 1 137 Membership Membership NNP en-wikipedia-org-9050 1 138 Economy Economy NNP en-wikipedia-org-9050 1 139 by by IN en-wikipedia-org-9050 1 140 City City NNP en-wikipedia-org-9050 1 141 New New NNP en-wikipedia-org-9050 1 142 York York NNP en-wikipedia-org-9050 1 143 City City NNP en-wikipedia-org-9050 1 144 Los Los NNP en-wikipedia-org-9050 1 145 Angeles Angeles NNP en-wikipedia-org-9050 1 146 Chicago Chicago NNP en-wikipedia-org-9050 1 147 Houston Houston NNP en-wikipedia-org-9050 1 148 Labor Labor NNP en-wikipedia-org-9050 1 149 Labor Labor NNP en-wikipedia-org-9050 1 150 Law Law NNP en-wikipedia-org-9050 1 151 Child Child NNP en-wikipedia-org-9050 1 152 labor labor NN en-wikipedia-org-9050 1 153 Minimum minimum NN en-wikipedia-org-9050 1 154 wage wage NN en-wikipedia-org-9050 1 155 Right right NN en-wikipedia-org-9050 1 156 - - HYPH en-wikipedia-org-9050 1 157 to to IN en-wikipedia-org-9050 1 158 - - HYPH en-wikipedia-org-9050 1 159 work work NN en-wikipedia-org-9050 1 160 law law NN en-wikipedia-org-9050 1 161 Employment employment NN en-wikipedia-org-9050 1 162 Unemployment(Causes unemployment(causes CD en-wikipedia-org-9050 1 163 ) ) -RRB- en-wikipedia-org-9050 1 164 United United NNP en-wikipedia-org-9050 1 165 States States NNP en-wikipedia-org-9050 1 166 portal portal JJ en-wikipedia-org-9050 1 167 v v NN en-wikipedia-org-9050 1 168 t t NN en-wikipedia-org-9050 1 169 e e NNP en-wikipedia-org-9050 1 170 Insurance insurance NN en-wikipedia-org-9050 1 171 in in IN en-wikipedia-org-9050 1 172 the the DT en-wikipedia-org-9050 1 173 United United NNP en-wikipedia-org-9050 1 174 States States NNP en-wikipedia-org-9050 1 175 refers refer VBZ en-wikipedia-org-9050 1 176 to to IN en-wikipedia-org-9050 1 177 the the DT en-wikipedia-org-9050 1 178 market market NN en-wikipedia-org-9050 1 179 for for IN en-wikipedia-org-9050 1 180 risk risk NN en-wikipedia-org-9050 1 181 in in IN en-wikipedia-org-9050 1 182 the the DT en-wikipedia-org-9050 1 183 United United NNP en-wikipedia-org-9050 1 184 States States NNP en-wikipedia-org-9050 1 185 , , , en-wikipedia-org-9050 1 186 the the DT en-wikipedia-org-9050 1 187 world world NN en-wikipedia-org-9050 1 188 's 's POS en-wikipedia-org-9050 1 189 largest large JJS en-wikipedia-org-9050 1 190 insurance insurance NN en-wikipedia-org-9050 1 191 market market NN en-wikipedia-org-9050 1 192 by by IN en-wikipedia-org-9050 1 193 premium premium NN en-wikipedia-org-9050 1 194 volume volume NN en-wikipedia-org-9050 1 195 . . . en-wikipedia-org-9050 2 1 [ [ -LRB- en-wikipedia-org-9050 2 2 1 1 CD en-wikipedia-org-9050 2 3 ] ] -RRB- en-wikipedia-org-9050 2 4 Of of IN en-wikipedia-org-9050 2 5 the the DT en-wikipedia-org-9050 2 6 $ $ $ en-wikipedia-org-9050 2 7 4.640 4.640 CD en-wikipedia-org-9050 2 8 trillion trillion CD en-wikipedia-org-9050 2 9 of of IN en-wikipedia-org-9050 2 10 gross gross JJ en-wikipedia-org-9050 2 11 premiums premium NNS en-wikipedia-org-9050 2 12 written write VBN en-wikipedia-org-9050 2 13 worldwide worldwide RB en-wikipedia-org-9050 2 14 in in IN en-wikipedia-org-9050 2 15 2013 2013 CD en-wikipedia-org-9050 2 16 , , , en-wikipedia-org-9050 2 17 $ $ $ en-wikipedia-org-9050 2 18 1.274 1.274 CD en-wikipedia-org-9050 2 19 trillion trillion CD en-wikipedia-org-9050 2 20 ( ( -LRB- en-wikipedia-org-9050 2 21 27 27 CD en-wikipedia-org-9050 2 22 % % NN en-wikipedia-org-9050 2 23 ) ) -RRB- en-wikipedia-org-9050 2 24 were be VBD en-wikipedia-org-9050 2 25 written write VBN en-wikipedia-org-9050 2 26 in in IN en-wikipedia-org-9050 2 27 the the DT en-wikipedia-org-9050 2 28 United United NNP en-wikipedia-org-9050 2 29 States States NNP en-wikipedia-org-9050 2 30 . . . en-wikipedia-org-9050 3 1 [ [ -LRB- en-wikipedia-org-9050 3 2 1 1 LS en-wikipedia-org-9050 3 3 ] ] -RRB- en-wikipedia-org-9050 3 4 Insurance insurance NN en-wikipedia-org-9050 3 5 , , , en-wikipedia-org-9050 3 6 generally generally RB en-wikipedia-org-9050 3 7 , , , en-wikipedia-org-9050 3 8 is be VBZ en-wikipedia-org-9050 3 9 a a DT en-wikipedia-org-9050 3 10 contract contract NN en-wikipedia-org-9050 3 11 in in IN en-wikipedia-org-9050 3 12 which which WDT en-wikipedia-org-9050 3 13 the the DT en-wikipedia-org-9050 3 14 insurer insurer NN en-wikipedia-org-9050 3 15 agrees agree VBZ en-wikipedia-org-9050 3 16 to to TO en-wikipedia-org-9050 3 17 compensate compensate VB en-wikipedia-org-9050 3 18 or or CC en-wikipedia-org-9050 3 19 indemnify indemnify VB en-wikipedia-org-9050 3 20 another another DT en-wikipedia-org-9050 3 21 party party NN en-wikipedia-org-9050 3 22 ( ( -LRB- en-wikipedia-org-9050 3 23 the the DT en-wikipedia-org-9050 3 24 insured insure VBN en-wikipedia-org-9050 3 25 , , , en-wikipedia-org-9050 3 26 the the DT en-wikipedia-org-9050 3 27 policyholder policyholder NN en-wikipedia-org-9050 3 28 or or CC en-wikipedia-org-9050 3 29 a a DT en-wikipedia-org-9050 3 30 beneficiary beneficiary NN en-wikipedia-org-9050 3 31 ) ) -RRB- en-wikipedia-org-9050 3 32 for for IN en-wikipedia-org-9050 3 33 specified specified JJ en-wikipedia-org-9050 3 34 loss loss NN en-wikipedia-org-9050 3 35 or or CC en-wikipedia-org-9050 3 36 damage damage NN en-wikipedia-org-9050 3 37 to to IN en-wikipedia-org-9050 3 38 a a DT en-wikipedia-org-9050 3 39 specified specify VBN en-wikipedia-org-9050 3 40 thing thing NN en-wikipedia-org-9050 3 41 ( ( -LRB- en-wikipedia-org-9050 3 42 e.g. e.g. RB en-wikipedia-org-9050 3 43 , , , en-wikipedia-org-9050 3 44 an an DT en-wikipedia-org-9050 3 45 item item NN en-wikipedia-org-9050 3 46 , , , en-wikipedia-org-9050 3 47 property property NN en-wikipedia-org-9050 3 48 or or CC en-wikipedia-org-9050 3 49 life life NN en-wikipedia-org-9050 3 50 ) ) -RRB- en-wikipedia-org-9050 3 51 from from IN en-wikipedia-org-9050 3 52 certain certain JJ en-wikipedia-org-9050 3 53 perils peril NNS en-wikipedia-org-9050 3 54 or or CC en-wikipedia-org-9050 3 55 risks risk NNS en-wikipedia-org-9050 3 56 in in IN en-wikipedia-org-9050 3 57 exchange exchange NN en-wikipedia-org-9050 3 58 for for IN en-wikipedia-org-9050 3 59 a a DT en-wikipedia-org-9050 3 60 fee fee NN en-wikipedia-org-9050 3 61 ( ( -LRB- en-wikipedia-org-9050 3 62 the the DT en-wikipedia-org-9050 3 63 insurance insurance NN en-wikipedia-org-9050 3 64 premium premium NN en-wikipedia-org-9050 3 65 ) ) -RRB- en-wikipedia-org-9050 3 66 . . . en-wikipedia-org-9050 4 1 [ [ -LRB- en-wikipedia-org-9050 4 2 2 2 CD en-wikipedia-org-9050 4 3 ] ] -RRB- en-wikipedia-org-9050 4 4 For for IN en-wikipedia-org-9050 4 5 example example NN en-wikipedia-org-9050 4 6 , , , en-wikipedia-org-9050 4 7 a a DT en-wikipedia-org-9050 4 8 property property NN en-wikipedia-org-9050 4 9 insurance insurance NN en-wikipedia-org-9050 4 10 company company NN en-wikipedia-org-9050 4 11 may may MD en-wikipedia-org-9050 4 12 agree agree VB en-wikipedia-org-9050 4 13 to to TO en-wikipedia-org-9050 4 14 bear bear VB en-wikipedia-org-9050 4 15 the the DT en-wikipedia-org-9050 4 16 risk risk NN en-wikipedia-org-9050 4 17 that that IN en-wikipedia-org-9050 4 18 a a DT en-wikipedia-org-9050 4 19 particular particular JJ en-wikipedia-org-9050 4 20 piece piece NN en-wikipedia-org-9050 4 21 of of IN en-wikipedia-org-9050 4 22 property property NN en-wikipedia-org-9050 4 23 ( ( -LRB- en-wikipedia-org-9050 4 24 e.g. e.g. RB en-wikipedia-org-9050 4 25 , , , en-wikipedia-org-9050 4 26 a a DT en-wikipedia-org-9050 4 27 car car NN en-wikipedia-org-9050 4 28 or or CC en-wikipedia-org-9050 4 29 a a DT en-wikipedia-org-9050 4 30 house house NN en-wikipedia-org-9050 4 31 ) ) -RRB- en-wikipedia-org-9050 4 32 may may MD en-wikipedia-org-9050 4 33 suffer suffer VB en-wikipedia-org-9050 4 34 a a DT en-wikipedia-org-9050 4 35 specific specific JJ en-wikipedia-org-9050 4 36 type type NN en-wikipedia-org-9050 4 37 or or CC en-wikipedia-org-9050 4 38 types type NNS en-wikipedia-org-9050 4 39 of of IN en-wikipedia-org-9050 4 40 damage damage NN en-wikipedia-org-9050 4 41 or or CC en-wikipedia-org-9050 4 42 loss loss NN en-wikipedia-org-9050 4 43 during during IN en-wikipedia-org-9050 4 44 a a DT en-wikipedia-org-9050 4 45 certain certain JJ en-wikipedia-org-9050 4 46 period period NN en-wikipedia-org-9050 4 47 of of IN en-wikipedia-org-9050 4 48 time time NN en-wikipedia-org-9050 4 49 in in IN en-wikipedia-org-9050 4 50 exchange exchange NN en-wikipedia-org-9050 4 51 for for IN en-wikipedia-org-9050 4 52 a a DT en-wikipedia-org-9050 4 53 fee fee NN en-wikipedia-org-9050 4 54 from from IN en-wikipedia-org-9050 4 55 the the DT en-wikipedia-org-9050 4 56 policyholder policyholder NN en-wikipedia-org-9050 4 57 who who WP en-wikipedia-org-9050 4 58 would would MD en-wikipedia-org-9050 4 59 otherwise otherwise RB en-wikipedia-org-9050 4 60 be be VB en-wikipedia-org-9050 4 61 responsible responsible JJ en-wikipedia-org-9050 4 62 for for IN en-wikipedia-org-9050 4 63 that that DT en-wikipedia-org-9050 4 64 damage damage NN en-wikipedia-org-9050 4 65 or or CC en-wikipedia-org-9050 4 66 loss loss NN en-wikipedia-org-9050 4 67 . . . en-wikipedia-org-9050 5 1 That that DT en-wikipedia-org-9050 5 2 agreement agreement NN en-wikipedia-org-9050 5 3 takes take VBZ en-wikipedia-org-9050 5 4 the the DT en-wikipedia-org-9050 5 5 form form NN en-wikipedia-org-9050 5 6 of of IN en-wikipedia-org-9050 5 7 an an DT en-wikipedia-org-9050 5 8 insurance insurance NN en-wikipedia-org-9050 5 9 policy policy NN en-wikipedia-org-9050 5 10 . . . en-wikipedia-org-9050 6 1 [ [ -LRB- en-wikipedia-org-9050 6 2 3 3 LS en-wikipedia-org-9050 6 3 ] ] -RRB- en-wikipedia-org-9050 6 4 Insurance insurance NN en-wikipedia-org-9050 6 5 provides provide VBZ en-wikipedia-org-9050 6 6 indemnification indemnification NN en-wikipedia-org-9050 6 7 against against IN en-wikipedia-org-9050 6 8 loss loss NN en-wikipedia-org-9050 6 9 or or CC en-wikipedia-org-9050 6 10 liability liability NN en-wikipedia-org-9050 6 11 from from IN en-wikipedia-org-9050 6 12 specified specified JJ en-wikipedia-org-9050 6 13 events event NNS en-wikipedia-org-9050 6 14 and and CC en-wikipedia-org-9050 6 15 circumstances circumstance NNS en-wikipedia-org-9050 6 16 that that WDT en-wikipedia-org-9050 6 17 may may MD en-wikipedia-org-9050 6 18 occur occur VB en-wikipedia-org-9050 6 19 or or CC en-wikipedia-org-9050 6 20 be be VB en-wikipedia-org-9050 6 21 discovered discover VBN en-wikipedia-org-9050 6 22 during during IN en-wikipedia-org-9050 6 23 a a DT en-wikipedia-org-9050 6 24 specified specified JJ en-wikipedia-org-9050 6 25 period period NN en-wikipedia-org-9050 6 26 . . . en-wikipedia-org-9050 7 1 — — : en-wikipedia-org-9050 7 2 FASB FASB NNP en-wikipedia-org-9050 7 3 Statement Statement NNP en-wikipedia-org-9050 7 4 of of IN en-wikipedia-org-9050 7 5 Financial Financial NNP en-wikipedia-org-9050 7 6 Accounting Accounting NNP en-wikipedia-org-9050 7 7 Standards Standards NNPS en-wikipedia-org-9050 7 8 No no UH en-wikipedia-org-9050 7 9 . . . en-wikipedia-org-9050 8 1 113 113 CD en-wikipedia-org-9050 8 2 , , , en-wikipedia-org-9050 8 3 " " `` en-wikipedia-org-9050 8 4 Accounting account VBG en-wikipedia-org-9050 8 5 for for IN en-wikipedia-org-9050 8 6 Reinsurance Reinsurance NNP en-wikipedia-org-9050 8 7 of of IN en-wikipedia-org-9050 8 8 Short Short NNP en-wikipedia-org-9050 8 9 - - HYPH en-wikipedia-org-9050 8 10 Duration Duration NNP en-wikipedia-org-9050 8 11 and and CC en-wikipedia-org-9050 8 12 Long Long NNP en-wikipedia-org-9050 8 13 - - HYPH en-wikipedia-org-9050 8 14 Duration Duration NNP en-wikipedia-org-9050 8 15 Contracts contract NNS en-wikipedia-org-9050 8 16 " " '' en-wikipedia-org-9050 8 17 December December NNP en-wikipedia-org-9050 8 18 1992 1992 CD en-wikipedia-org-9050 8 19 Contents content NNS en-wikipedia-org-9050 8 20 1 1 CD en-wikipedia-org-9050 8 21 History history NN en-wikipedia-org-9050 8 22 2 2 CD en-wikipedia-org-9050 8 23 Regulation Regulation NNP en-wikipedia-org-9050 8 24 2.1 2.1 CD en-wikipedia-org-9050 8 25 State state NN en-wikipedia-org-9050 8 26 - - HYPH en-wikipedia-org-9050 8 27 based base VBN en-wikipedia-org-9050 8 28 insurance insurance NN en-wikipedia-org-9050 8 29 regulatory regulatory JJ en-wikipedia-org-9050 8 30 system system NN en-wikipedia-org-9050 8 31 2.2 2.2 CD en-wikipedia-org-9050 8 32 Federal federal JJ en-wikipedia-org-9050 8 33 regulation regulation NN en-wikipedia-org-9050 8 34 of of IN en-wikipedia-org-9050 8 35 insurance insurance NN en-wikipedia-org-9050 8 36 3 3 CD en-wikipedia-org-9050 8 37 Organization Organization NNP en-wikipedia-org-9050 8 38 3.1 3.1 CD en-wikipedia-org-9050 8 39 Admitted admit VBN en-wikipedia-org-9050 8 40 v. v. CC en-wikipedia-org-9050 8 41 surplus surplus JJ en-wikipedia-org-9050 8 42 3.2 3.2 CD en-wikipedia-org-9050 8 43 Insurance Insurance NNP en-wikipedia-org-9050 8 44 groups group NNS en-wikipedia-org-9050 8 45 4 4 CD en-wikipedia-org-9050 8 46 Types type NNS en-wikipedia-org-9050 8 47 5 5 CD en-wikipedia-org-9050 8 48 Institutions institution NNS en-wikipedia-org-9050 8 49 6 6 CD en-wikipedia-org-9050 8 50 See see VBP en-wikipedia-org-9050 8 51 also also RB en-wikipedia-org-9050 8 52 7 7 CD en-wikipedia-org-9050 8 53 References reference NNS en-wikipedia-org-9050 8 54 History[edit history[edit VB en-wikipedia-org-9050 8 55 ] ] -RRB- en-wikipedia-org-9050 8 56 See see VB en-wikipedia-org-9050 8 57 also also RB en-wikipedia-org-9050 8 58 : : : en-wikipedia-org-9050 8 59 History history NN en-wikipedia-org-9050 8 60 of of IN en-wikipedia-org-9050 8 61 insurance insurance NN en-wikipedia-org-9050 8 62 The the DT en-wikipedia-org-9050 8 63 first first JJ en-wikipedia-org-9050 8 64 insurance insurance NN en-wikipedia-org-9050 8 65 company company NN en-wikipedia-org-9050 8 66 in in IN en-wikipedia-org-9050 8 67 the the DT en-wikipedia-org-9050 8 68 United United NNP en-wikipedia-org-9050 8 69 States States NNP en-wikipedia-org-9050 8 70 underwrote underwrite VBD en-wikipedia-org-9050 8 71 fire fire NN en-wikipedia-org-9050 8 72 insurance insurance NN en-wikipedia-org-9050 8 73 and and CC en-wikipedia-org-9050 8 74 was be VBD en-wikipedia-org-9050 8 75 formed form VBN en-wikipedia-org-9050 8 76 in in IN en-wikipedia-org-9050 8 77 Charleston Charleston NNP en-wikipedia-org-9050 8 78 , , , en-wikipedia-org-9050 8 79 South South NNP en-wikipedia-org-9050 8 80 Carolina Carolina NNP en-wikipedia-org-9050 8 81 , , , en-wikipedia-org-9050 8 82 in in IN en-wikipedia-org-9050 8 83 1735 1735 CD en-wikipedia-org-9050 8 84 . . . en-wikipedia-org-9050 9 1 [ [ -LRB- en-wikipedia-org-9050 9 2 4 4 CD en-wikipedia-org-9050 9 3 ] ] -RRB- en-wikipedia-org-9050 9 4 In in IN en-wikipedia-org-9050 9 5 1752 1752 CD en-wikipedia-org-9050 9 6 , , , en-wikipedia-org-9050 9 7 Benjamin Benjamin NNP en-wikipedia-org-9050 9 8 Franklin Franklin NNP en-wikipedia-org-9050 9 9 helped help VBD en-wikipedia-org-9050 9 10 form form VB en-wikipedia-org-9050 9 11 a a DT en-wikipedia-org-9050 9 12 mutual mutual JJ en-wikipedia-org-9050 9 13 insurance insurance NN en-wikipedia-org-9050 9 14 company company NN en-wikipedia-org-9050 9 15 called call VBN en-wikipedia-org-9050 9 16 the the DT en-wikipedia-org-9050 9 17 Philadelphia Philadelphia NNP en-wikipedia-org-9050 9 18 Contributionship Contributionship NNP en-wikipedia-org-9050 9 19 , , , en-wikipedia-org-9050 9 20 which which WDT en-wikipedia-org-9050 9 21 is be VBZ en-wikipedia-org-9050 9 22 the the DT en-wikipedia-org-9050 9 23 nation nation NN en-wikipedia-org-9050 9 24 's 's POS en-wikipedia-org-9050 9 25 oldest old JJS en-wikipedia-org-9050 9 26 insurance insurance NN en-wikipedia-org-9050 9 27 carrier carrier NN en-wikipedia-org-9050 9 28 still still RB en-wikipedia-org-9050 9 29 in in IN en-wikipedia-org-9050 9 30 operation operation NN en-wikipedia-org-9050 9 31 . . . en-wikipedia-org-9050 10 1 [ [ -LRB- en-wikipedia-org-9050 10 2 5][6 5][6 NN en-wikipedia-org-9050 10 3 ] ] -RRB- en-wikipedia-org-9050 10 4 Franklin Franklin NNP en-wikipedia-org-9050 10 5 's 's POS en-wikipedia-org-9050 10 6 company company NN en-wikipedia-org-9050 10 7 was be VBD en-wikipedia-org-9050 10 8 the the DT en-wikipedia-org-9050 10 9 first first JJ en-wikipedia-org-9050 10 10 to to TO en-wikipedia-org-9050 10 11 make make VB en-wikipedia-org-9050 10 12 contributions contribution NNS en-wikipedia-org-9050 10 13 toward toward IN en-wikipedia-org-9050 10 14 fire fire NN en-wikipedia-org-9050 10 15 prevention prevention NN en-wikipedia-org-9050 10 16 . . . en-wikipedia-org-9050 11 1 Not not RB en-wikipedia-org-9050 11 2 only only RB en-wikipedia-org-9050 11 3 did do VBD en-wikipedia-org-9050 11 4 his -PRON- PRP$ en-wikipedia-org-9050 11 5 company company NN en-wikipedia-org-9050 11 6 warn warn VB en-wikipedia-org-9050 11 7 against against IN en-wikipedia-org-9050 11 8 certain certain JJ en-wikipedia-org-9050 11 9 fire fire NN en-wikipedia-org-9050 11 10 hazards hazard NNS en-wikipedia-org-9050 11 11 , , , en-wikipedia-org-9050 11 12 it -PRON- PRP en-wikipedia-org-9050 11 13 refused refuse VBD en-wikipedia-org-9050 11 14 to to TO en-wikipedia-org-9050 11 15 insure insure VB en-wikipedia-org-9050 11 16 certain certain JJ en-wikipedia-org-9050 11 17 buildings building NNS en-wikipedia-org-9050 11 18 where where WRB en-wikipedia-org-9050 11 19 the the DT en-wikipedia-org-9050 11 20 risk risk NN en-wikipedia-org-9050 11 21 of of IN en-wikipedia-org-9050 11 22 fire fire NN en-wikipedia-org-9050 11 23 was be VBD en-wikipedia-org-9050 11 24 too too RB en-wikipedia-org-9050 11 25 great great JJ en-wikipedia-org-9050 11 26 , , , en-wikipedia-org-9050 11 27 such such JJ en-wikipedia-org-9050 11 28 as as IN en-wikipedia-org-9050 11 29 all all DT en-wikipedia-org-9050 11 30 wooden wooden JJ en-wikipedia-org-9050 11 31 houses house NNS en-wikipedia-org-9050 11 32 . . . en-wikipedia-org-9050 12 1 [ [ -LRB- en-wikipedia-org-9050 12 2 citation citation NN en-wikipedia-org-9050 12 3 needed need VBN en-wikipedia-org-9050 12 4 ] ] -RRB- en-wikipedia-org-9050 12 5 The the DT en-wikipedia-org-9050 12 6 first first JJ en-wikipedia-org-9050 12 7 stock stock NN en-wikipedia-org-9050 12 8 insurance insurance NN en-wikipedia-org-9050 12 9 company company NN en-wikipedia-org-9050 12 10 formed form VBN en-wikipedia-org-9050 12 11 in in IN en-wikipedia-org-9050 12 12 the the DT en-wikipedia-org-9050 12 13 United United NNP en-wikipedia-org-9050 12 14 States States NNP en-wikipedia-org-9050 12 15 was be VBD en-wikipedia-org-9050 12 16 the the DT en-wikipedia-org-9050 12 17 Insurance Insurance NNP en-wikipedia-org-9050 12 18 Company Company NNP en-wikipedia-org-9050 12 19 of of IN en-wikipedia-org-9050 12 20 North North NNP en-wikipedia-org-9050 12 21 America America NNP en-wikipedia-org-9050 12 22 in in IN en-wikipedia-org-9050 12 23 1792 1792 CD en-wikipedia-org-9050 12 24 . . . en-wikipedia-org-9050 13 1 [ [ -LRB- en-wikipedia-org-9050 13 2 7 7 CD en-wikipedia-org-9050 13 3 ] ] -RRB- en-wikipedia-org-9050 13 4 Massachusetts Massachusetts NNP en-wikipedia-org-9050 13 5 enacted enact VBD en-wikipedia-org-9050 13 6 the the DT en-wikipedia-org-9050 13 7 first first JJ en-wikipedia-org-9050 13 8 state state NN en-wikipedia-org-9050 13 9 law law NN en-wikipedia-org-9050 13 10 requiring require VBG en-wikipedia-org-9050 13 11 insurance insurance NN en-wikipedia-org-9050 13 12 companies company NNS en-wikipedia-org-9050 13 13 to to TO en-wikipedia-org-9050 13 14 maintain maintain VB en-wikipedia-org-9050 13 15 adequate adequate JJ en-wikipedia-org-9050 13 16 reserves reserve NNS en-wikipedia-org-9050 13 17 in in IN en-wikipedia-org-9050 13 18 1837 1837 CD en-wikipedia-org-9050 13 19 . . . en-wikipedia-org-9050 14 1 Formal formal JJ en-wikipedia-org-9050 14 2 regulation regulation NN en-wikipedia-org-9050 14 3 of of IN en-wikipedia-org-9050 14 4 the the DT en-wikipedia-org-9050 14 5 insurance insurance NN en-wikipedia-org-9050 14 6 industry industry NN en-wikipedia-org-9050 14 7 began begin VBD en-wikipedia-org-9050 14 8 in in IN en-wikipedia-org-9050 14 9 earnest earnest JJ en-wikipedia-org-9050 14 10 when when WRB en-wikipedia-org-9050 14 11 the the DT en-wikipedia-org-9050 14 12 first first JJ en-wikipedia-org-9050 14 13 state state NN en-wikipedia-org-9050 14 14 commissioner commissioner NN en-wikipedia-org-9050 14 15 of of IN en-wikipedia-org-9050 14 16 insurance insurance NN en-wikipedia-org-9050 14 17 was be VBD en-wikipedia-org-9050 14 18 appointed appoint VBN en-wikipedia-org-9050 14 19 in in IN en-wikipedia-org-9050 14 20 New New NNP en-wikipedia-org-9050 14 21 Hampshire Hampshire NNP en-wikipedia-org-9050 14 22 in in IN en-wikipedia-org-9050 14 23 1851 1851 CD en-wikipedia-org-9050 14 24 . . . en-wikipedia-org-9050 15 1 In in IN en-wikipedia-org-9050 15 2 1859 1859 CD en-wikipedia-org-9050 15 3 , , , en-wikipedia-org-9050 15 4 the the DT en-wikipedia-org-9050 15 5 State State NNP en-wikipedia-org-9050 15 6 of of IN en-wikipedia-org-9050 15 7 New New NNP en-wikipedia-org-9050 15 8 York York NNP en-wikipedia-org-9050 15 9 appointed appoint VBD en-wikipedia-org-9050 15 10 its -PRON- PRP$ en-wikipedia-org-9050 15 11 own own JJ en-wikipedia-org-9050 15 12 commissioner commissioner NN en-wikipedia-org-9050 15 13 of of IN en-wikipedia-org-9050 15 14 insurance insurance NN en-wikipedia-org-9050 15 15 and and CC en-wikipedia-org-9050 15 16 created create VBD en-wikipedia-org-9050 15 17 a a DT en-wikipedia-org-9050 15 18 state state NN en-wikipedia-org-9050 15 19 insurance insurance NN en-wikipedia-org-9050 15 20 department department NN en-wikipedia-org-9050 15 21 to to TO en-wikipedia-org-9050 15 22 move move VB en-wikipedia-org-9050 15 23 towards towards IN en-wikipedia-org-9050 15 24 more more RBR en-wikipedia-org-9050 15 25 comprehensive comprehensive JJ en-wikipedia-org-9050 15 26 regulation regulation NN en-wikipedia-org-9050 15 27 of of IN en-wikipedia-org-9050 15 28 insurance insurance NN en-wikipedia-org-9050 15 29 at at IN en-wikipedia-org-9050 15 30 the the DT en-wikipedia-org-9050 15 31 state state NN en-wikipedia-org-9050 15 32 level level NN en-wikipedia-org-9050 15 33 . . . en-wikipedia-org-9050 16 1 [ [ -LRB- en-wikipedia-org-9050 16 2 8 8 CD en-wikipedia-org-9050 16 3 ] ] -RRB- en-wikipedia-org-9050 16 4 Insurance insurance NN en-wikipedia-org-9050 16 5 and and CC en-wikipedia-org-9050 16 6 the the DT en-wikipedia-org-9050 16 7 insurance insurance NN en-wikipedia-org-9050 16 8 industry industry NN en-wikipedia-org-9050 16 9 has have VBZ en-wikipedia-org-9050 16 10 grown grow VBN en-wikipedia-org-9050 16 11 , , , en-wikipedia-org-9050 16 12 diversified diversify VBN en-wikipedia-org-9050 16 13 and and CC en-wikipedia-org-9050 16 14 developed develop VBD en-wikipedia-org-9050 16 15 significantly significantly RB en-wikipedia-org-9050 16 16 ever ever RB en-wikipedia-org-9050 16 17 since since RB en-wikipedia-org-9050 16 18 . . . en-wikipedia-org-9050 17 1 Insurance insurance NN en-wikipedia-org-9050 17 2 companies company NNS en-wikipedia-org-9050 17 3 were be VBD en-wikipedia-org-9050 17 4 , , , en-wikipedia-org-9050 17 5 in in IN en-wikipedia-org-9050 17 6 large large JJ en-wikipedia-org-9050 17 7 part part NN en-wikipedia-org-9050 17 8 , , , en-wikipedia-org-9050 17 9 prohibited prohibit VBN en-wikipedia-org-9050 17 10 from from IN en-wikipedia-org-9050 17 11 writing write VBG en-wikipedia-org-9050 17 12 more more JJR en-wikipedia-org-9050 17 13 than than IN en-wikipedia-org-9050 17 14 one one CD en-wikipedia-org-9050 17 15 line line NN en-wikipedia-org-9050 17 16 of of IN en-wikipedia-org-9050 17 17 insurance insurance NN en-wikipedia-org-9050 17 18 until until IN en-wikipedia-org-9050 17 19 laws law NNS en-wikipedia-org-9050 17 20 began begin VBD en-wikipedia-org-9050 17 21 to to TO en-wikipedia-org-9050 17 22 permit permit VB en-wikipedia-org-9050 17 23 multi multi JJ en-wikipedia-org-9050 17 24 - - JJ en-wikipedia-org-9050 17 25 line line JJ en-wikipedia-org-9050 17 26 charters charter NNS en-wikipedia-org-9050 17 27 in in IN en-wikipedia-org-9050 17 28 the the DT en-wikipedia-org-9050 17 29 1950s 1950s CD en-wikipedia-org-9050 17 30 . . . en-wikipedia-org-9050 18 1 From from IN en-wikipedia-org-9050 18 2 an an DT en-wikipedia-org-9050 18 3 industry industry NN en-wikipedia-org-9050 18 4 dominated dominate VBN en-wikipedia-org-9050 18 5 by by IN en-wikipedia-org-9050 18 6 small small JJ en-wikipedia-org-9050 18 7 , , , en-wikipedia-org-9050 18 8 local local JJ en-wikipedia-org-9050 18 9 , , , en-wikipedia-org-9050 18 10 single single JJ en-wikipedia-org-9050 18 11 - - HYPH en-wikipedia-org-9050 18 12 line line NN en-wikipedia-org-9050 18 13 mutual mutual JJ en-wikipedia-org-9050 18 14 companies company NNS en-wikipedia-org-9050 18 15 and and CC en-wikipedia-org-9050 18 16 member member NN en-wikipedia-org-9050 18 17 societies society NNS en-wikipedia-org-9050 18 18 , , , en-wikipedia-org-9050 18 19 the the DT en-wikipedia-org-9050 18 20 business business NN en-wikipedia-org-9050 18 21 of of IN en-wikipedia-org-9050 18 22 insurance insurance NN en-wikipedia-org-9050 18 23 has have VBZ en-wikipedia-org-9050 18 24 grown grow VBN en-wikipedia-org-9050 18 25 increasingly increasingly RB en-wikipedia-org-9050 18 26 towards towards IN en-wikipedia-org-9050 18 27 multi multi JJ en-wikipedia-org-9050 18 28 - - NN en-wikipedia-org-9050 18 29 line line JJ en-wikipedia-org-9050 18 30 , , , en-wikipedia-org-9050 18 31 multi multi JJ en-wikipedia-org-9050 18 32 - - JJ en-wikipedia-org-9050 18 33 state state JJ en-wikipedia-org-9050 18 34 and and CC en-wikipedia-org-9050 18 35 even even RB en-wikipedia-org-9050 18 36 multi multi JJ en-wikipedia-org-9050 18 37 - - JJ en-wikipedia-org-9050 18 38 national national JJ en-wikipedia-org-9050 18 39 insurance insurance NN en-wikipedia-org-9050 18 40 conglomerates conglomerate VBZ en-wikipedia-org-9050 18 41 and and CC en-wikipedia-org-9050 18 42 holding hold VBG en-wikipedia-org-9050 18 43 companies company NNS en-wikipedia-org-9050 18 44 . . . en-wikipedia-org-9050 19 1 [ [ -LRB- en-wikipedia-org-9050 19 2 4 4 CD en-wikipedia-org-9050 19 3 ] ] -RRB- en-wikipedia-org-9050 19 4 Regulation[edit regulation[edit NN en-wikipedia-org-9050 19 5 ] ] -RRB- en-wikipedia-org-9050 19 6 Main main JJ en-wikipedia-org-9050 19 7 article article NN en-wikipedia-org-9050 19 8 : : : en-wikipedia-org-9050 19 9 Insurance Insurance NNP en-wikipedia-org-9050 19 10 Regulatory Regulatory NNP en-wikipedia-org-9050 19 11 Law Law NNP en-wikipedia-org-9050 19 12 State State NNP en-wikipedia-org-9050 19 13 - - HYPH en-wikipedia-org-9050 19 14 based base VBN en-wikipedia-org-9050 19 15 insurance insurance NN en-wikipedia-org-9050 19 16 regulatory regulatory JJ en-wikipedia-org-9050 19 17 system[edit system[edit . en-wikipedia-org-9050 19 18 ] ] -RRB- en-wikipedia-org-9050 19 19 Historically historically RB en-wikipedia-org-9050 19 20 , , , en-wikipedia-org-9050 19 21 the the DT en-wikipedia-org-9050 19 22 insurance insurance NN en-wikipedia-org-9050 19 23 industry industry NN en-wikipedia-org-9050 19 24 in in IN en-wikipedia-org-9050 19 25 the the DT en-wikipedia-org-9050 19 26 United United NNP en-wikipedia-org-9050 19 27 States States NNP en-wikipedia-org-9050 19 28 was be VBD en-wikipedia-org-9050 19 29 regulated regulate VBN en-wikipedia-org-9050 19 30 almost almost RB en-wikipedia-org-9050 19 31 exclusively exclusively RB en-wikipedia-org-9050 19 32 by by IN en-wikipedia-org-9050 19 33 the the DT en-wikipedia-org-9050 19 34 individual individual JJ en-wikipedia-org-9050 19 35 state state NN en-wikipedia-org-9050 19 36 governments government NNS en-wikipedia-org-9050 19 37 . . . en-wikipedia-org-9050 20 1 The the DT en-wikipedia-org-9050 20 2 first first JJ en-wikipedia-org-9050 20 3 state state NN en-wikipedia-org-9050 20 4 commissioner commissioner NN en-wikipedia-org-9050 20 5 of of IN en-wikipedia-org-9050 20 6 insurance insurance NN en-wikipedia-org-9050 20 7 was be VBD en-wikipedia-org-9050 20 8 appointed appoint VBN en-wikipedia-org-9050 20 9 in in IN en-wikipedia-org-9050 20 10 New New NNP en-wikipedia-org-9050 20 11 Hampshire Hampshire NNP en-wikipedia-org-9050 20 12 in in IN en-wikipedia-org-9050 20 13 1851 1851 CD en-wikipedia-org-9050 20 14 and and CC en-wikipedia-org-9050 20 15 the the DT en-wikipedia-org-9050 20 16 state state NN en-wikipedia-org-9050 20 17 - - HYPH en-wikipedia-org-9050 20 18 based base VBN en-wikipedia-org-9050 20 19 insurance insurance NN en-wikipedia-org-9050 20 20 regulatory regulatory JJ en-wikipedia-org-9050 20 21 system system NN en-wikipedia-org-9050 20 22 grew grow VBD en-wikipedia-org-9050 20 23 as as RB en-wikipedia-org-9050 20 24 quickly quickly RB en-wikipedia-org-9050 20 25 as as IN en-wikipedia-org-9050 20 26 the the DT en-wikipedia-org-9050 20 27 insurance insurance NN en-wikipedia-org-9050 20 28 industry industry NN en-wikipedia-org-9050 20 29 itself -PRON- PRP en-wikipedia-org-9050 20 30 . . . en-wikipedia-org-9050 21 1 [ [ -LRB- en-wikipedia-org-9050 21 2 9 9 CD en-wikipedia-org-9050 21 3 ] ] -RRB- en-wikipedia-org-9050 21 4 Prior prior RB en-wikipedia-org-9050 21 5 to to IN en-wikipedia-org-9050 21 6 this this DT en-wikipedia-org-9050 21 7 period period NN en-wikipedia-org-9050 21 8 , , , en-wikipedia-org-9050 21 9 insurance insurance NN en-wikipedia-org-9050 21 10 was be VBD en-wikipedia-org-9050 21 11 primarily primarily RB en-wikipedia-org-9050 21 12 regulated regulate VBN en-wikipedia-org-9050 21 13 by by IN en-wikipedia-org-9050 21 14 corporate corporate JJ en-wikipedia-org-9050 21 15 charter charter NN en-wikipedia-org-9050 21 16 , , , en-wikipedia-org-9050 21 17 state state NN en-wikipedia-org-9050 21 18 statutory statutory JJ en-wikipedia-org-9050 21 19 law law NN en-wikipedia-org-9050 21 20 and and CC en-wikipedia-org-9050 21 21 de de FW en-wikipedia-org-9050 21 22 facto facto FW en-wikipedia-org-9050 21 23 regulation regulation NN en-wikipedia-org-9050 21 24 by by IN en-wikipedia-org-9050 21 25 the the DT en-wikipedia-org-9050 21 26 courts court NNS en-wikipedia-org-9050 21 27 in in IN en-wikipedia-org-9050 21 28 judicial judicial JJ en-wikipedia-org-9050 21 29 decisions decision NNS en-wikipedia-org-9050 21 30 . . . en-wikipedia-org-9050 22 1 [ [ -LRB- en-wikipedia-org-9050 22 2 10][11 10][11 CD en-wikipedia-org-9050 22 3 ] ] -RRB- en-wikipedia-org-9050 22 4 Under under IN en-wikipedia-org-9050 22 5 the the DT en-wikipedia-org-9050 22 6 state state NN en-wikipedia-org-9050 22 7 - - HYPH en-wikipedia-org-9050 22 8 based base VBN en-wikipedia-org-9050 22 9 insurance insurance NN en-wikipedia-org-9050 22 10 regulation regulation NN en-wikipedia-org-9050 22 11 system system NN en-wikipedia-org-9050 22 12 , , , en-wikipedia-org-9050 22 13 each each DT en-wikipedia-org-9050 22 14 state state NN en-wikipedia-org-9050 22 15 operates operate VBZ en-wikipedia-org-9050 22 16 independently independently RB en-wikipedia-org-9050 22 17 to to TO en-wikipedia-org-9050 22 18 regulate regulate VB en-wikipedia-org-9050 22 19 their -PRON- PRP$ en-wikipedia-org-9050 22 20 own own JJ en-wikipedia-org-9050 22 21 insurance insurance NN en-wikipedia-org-9050 22 22 markets market NNS en-wikipedia-org-9050 22 23 , , , en-wikipedia-org-9050 22 24 typically typically RB en-wikipedia-org-9050 22 25 through through IN en-wikipedia-org-9050 22 26 a a DT en-wikipedia-org-9050 22 27 state state NN en-wikipedia-org-9050 22 28 department department NN en-wikipedia-org-9050 22 29 of of IN en-wikipedia-org-9050 22 30 insurance insurance NN en-wikipedia-org-9050 22 31 or or CC en-wikipedia-org-9050 22 32 division division NN en-wikipedia-org-9050 22 33 of of IN en-wikipedia-org-9050 22 34 insurance insurance NN en-wikipedia-org-9050 22 35 . . . en-wikipedia-org-9050 23 1 Stretching stretch VBG en-wikipedia-org-9050 23 2 back back RB en-wikipedia-org-9050 23 3 as as RB en-wikipedia-org-9050 23 4 far far RB en-wikipedia-org-9050 23 5 as as IN en-wikipedia-org-9050 23 6 the the DT en-wikipedia-org-9050 23 7 Paul Paul NNP en-wikipedia-org-9050 23 8 v. v. CC en-wikipedia-org-9050 23 9 Virginia Virginia NNP en-wikipedia-org-9050 23 10 case case NN en-wikipedia-org-9050 23 11 in in IN en-wikipedia-org-9050 23 12 1869 1869 CD en-wikipedia-org-9050 23 13 , , , en-wikipedia-org-9050 23 14 challenges challenge VBZ en-wikipedia-org-9050 23 15 to to IN en-wikipedia-org-9050 23 16 the the DT en-wikipedia-org-9050 23 17 state state NN en-wikipedia-org-9050 23 18 - - HYPH en-wikipedia-org-9050 23 19 based base VBN en-wikipedia-org-9050 23 20 insurance insurance NN en-wikipedia-org-9050 23 21 regulatory regulatory JJ en-wikipedia-org-9050 23 22 system system NN en-wikipedia-org-9050 23 23 have have VBP en-wikipedia-org-9050 23 24 risen rise VBN en-wikipedia-org-9050 23 25 from from IN en-wikipedia-org-9050 23 26 various various JJ en-wikipedia-org-9050 23 27 groups group NNS en-wikipedia-org-9050 23 28 , , , en-wikipedia-org-9050 23 29 both both CC en-wikipedia-org-9050 23 30 within within IN en-wikipedia-org-9050 23 31 and and CC en-wikipedia-org-9050 23 32 without without IN en-wikipedia-org-9050 23 33 the the DT en-wikipedia-org-9050 23 34 insurance insurance NN en-wikipedia-org-9050 23 35 industry industry NN en-wikipedia-org-9050 23 36 . . . en-wikipedia-org-9050 24 1 The the DT en-wikipedia-org-9050 24 2 state state NN en-wikipedia-org-9050 24 3 regulatory regulatory JJ en-wikipedia-org-9050 24 4 system system NN en-wikipedia-org-9050 24 5 has have VBZ en-wikipedia-org-9050 24 6 been be VBN en-wikipedia-org-9050 24 7 described describe VBN en-wikipedia-org-9050 24 8 as as IN en-wikipedia-org-9050 24 9 cumbersome cumbersome JJ en-wikipedia-org-9050 24 10 , , , en-wikipedia-org-9050 24 11 redundant redundant JJ en-wikipedia-org-9050 24 12 , , , en-wikipedia-org-9050 24 13 confusing confusing JJ en-wikipedia-org-9050 24 14 and and CC en-wikipedia-org-9050 24 15 costly costly JJ en-wikipedia-org-9050 24 16 . . . en-wikipedia-org-9050 25 1 [ [ -LRB- en-wikipedia-org-9050 25 2 12 12 CD en-wikipedia-org-9050 25 3 ] ] -RRB- en-wikipedia-org-9050 25 4 The the DT en-wikipedia-org-9050 25 5 United United NNP en-wikipedia-org-9050 25 6 States States NNP en-wikipedia-org-9050 25 7 Supreme Supreme NNP en-wikipedia-org-9050 25 8 Court Court NNP en-wikipedia-org-9050 25 9 found find VBD en-wikipedia-org-9050 25 10 in in IN en-wikipedia-org-9050 25 11 the the DT en-wikipedia-org-9050 25 12 1944 1944 CD en-wikipedia-org-9050 25 13 case case NN en-wikipedia-org-9050 25 14 of of IN en-wikipedia-org-9050 25 15 United United NNP en-wikipedia-org-9050 25 16 States States NNP en-wikipedia-org-9050 25 17 v. v. CC en-wikipedia-org-9050 25 18 South South NNP en-wikipedia-org-9050 25 19 - - HYPH en-wikipedia-org-9050 25 20 Eastern Eastern NNP en-wikipedia-org-9050 25 21 Underwriters Underwriters NNPS en-wikipedia-org-9050 25 22 Association Association NNP en-wikipedia-org-9050 25 23 that that IN en-wikipedia-org-9050 25 24 the the DT en-wikipedia-org-9050 25 25 business business NN en-wikipedia-org-9050 25 26 of of IN en-wikipedia-org-9050 25 27 insurance insurance NN en-wikipedia-org-9050 25 28 was be VBD en-wikipedia-org-9050 25 29 subject subject JJ en-wikipedia-org-9050 25 30 to to IN en-wikipedia-org-9050 25 31 federal federal JJ en-wikipedia-org-9050 25 32 regulation regulation NN en-wikipedia-org-9050 25 33 under under IN en-wikipedia-org-9050 25 34 the the DT en-wikipedia-org-9050 25 35 Commerce Commerce NNP en-wikipedia-org-9050 25 36 Clause Clause NNP en-wikipedia-org-9050 25 37 of of IN en-wikipedia-org-9050 25 38 the the DT en-wikipedia-org-9050 25 39 U.S. U.S. NNP en-wikipedia-org-9050 26 1 Constitution constitution NN en-wikipedia-org-9050 26 2 . . . en-wikipedia-org-9050 27 1 [ [ -LRB- en-wikipedia-org-9050 27 2 13 13 CD en-wikipedia-org-9050 27 3 ] ] -RRB- en-wikipedia-org-9050 27 4 The the DT en-wikipedia-org-9050 27 5 United United NNP en-wikipedia-org-9050 27 6 States States NNP en-wikipedia-org-9050 27 7 Congress Congress NNP en-wikipedia-org-9050 27 8 , , , en-wikipedia-org-9050 27 9 however however RB en-wikipedia-org-9050 27 10 , , , en-wikipedia-org-9050 27 11 responded respond VBD en-wikipedia-org-9050 27 12 almost almost RB en-wikipedia-org-9050 27 13 immediately immediately RB en-wikipedia-org-9050 27 14 with with IN en-wikipedia-org-9050 27 15 the the DT en-wikipedia-org-9050 27 16 McCarran McCarran NNP en-wikipedia-org-9050 27 17 - - HYPH en-wikipedia-org-9050 27 18 Ferguson Ferguson NNP en-wikipedia-org-9050 27 19 Act Act NNP en-wikipedia-org-9050 27 20 in in IN en-wikipedia-org-9050 27 21 1945 1945 CD en-wikipedia-org-9050 27 22 . . . en-wikipedia-org-9050 28 1 [ [ -LRB- en-wikipedia-org-9050 28 2 14 14 CD en-wikipedia-org-9050 28 3 ] ] -RRB- en-wikipedia-org-9050 28 4 The the DT en-wikipedia-org-9050 28 5 McCarran McCarran NNP en-wikipedia-org-9050 28 6 - - HYPH en-wikipedia-org-9050 28 7 Ferguson Ferguson NNP en-wikipedia-org-9050 28 8 Act Act NNP en-wikipedia-org-9050 28 9 specifically specifically RB en-wikipedia-org-9050 28 10 provides provide VBZ en-wikipedia-org-9050 28 11 that that IN en-wikipedia-org-9050 28 12 the the DT en-wikipedia-org-9050 28 13 regulation regulation NN en-wikipedia-org-9050 28 14 of of IN en-wikipedia-org-9050 28 15 the the DT en-wikipedia-org-9050 28 16 business business NN en-wikipedia-org-9050 28 17 of of IN en-wikipedia-org-9050 28 18 insurance insurance NN en-wikipedia-org-9050 28 19 by by IN en-wikipedia-org-9050 28 20 the the DT en-wikipedia-org-9050 28 21 state state NN en-wikipedia-org-9050 28 22 governments government NNS en-wikipedia-org-9050 28 23 is be VBZ en-wikipedia-org-9050 28 24 in in IN en-wikipedia-org-9050 28 25 the the DT en-wikipedia-org-9050 28 26 public public JJ en-wikipedia-org-9050 28 27 interest interest NN en-wikipedia-org-9050 28 28 . . . en-wikipedia-org-9050 29 1 Further further RB en-wikipedia-org-9050 29 2 , , , en-wikipedia-org-9050 29 3 the the DT en-wikipedia-org-9050 29 4 Act Act NNP en-wikipedia-org-9050 29 5 states state VBZ en-wikipedia-org-9050 29 6 that that IN en-wikipedia-org-9050 29 7 no no DT en-wikipedia-org-9050 29 8 federal federal JJ en-wikipedia-org-9050 29 9 law law NN en-wikipedia-org-9050 29 10 should should MD en-wikipedia-org-9050 29 11 be be VB en-wikipedia-org-9050 29 12 construed construe VBN en-wikipedia-org-9050 29 13 to to TO en-wikipedia-org-9050 29 14 invalidate invalidate VB en-wikipedia-org-9050 29 15 , , , en-wikipedia-org-9050 29 16 impair impair JJ en-wikipedia-org-9050 29 17 or or CC en-wikipedia-org-9050 29 18 supersede supersede VBP en-wikipedia-org-9050 29 19 any any DT en-wikipedia-org-9050 29 20 law law NN en-wikipedia-org-9050 29 21 enacted enact VBN en-wikipedia-org-9050 29 22 by by IN en-wikipedia-org-9050 29 23 any any DT en-wikipedia-org-9050 29 24 state state NN en-wikipedia-org-9050 29 25 government government NN en-wikipedia-org-9050 29 26 for for IN en-wikipedia-org-9050 29 27 the the DT en-wikipedia-org-9050 29 28 purpose purpose NN en-wikipedia-org-9050 29 29 of of IN en-wikipedia-org-9050 29 30 regulating regulate VBG en-wikipedia-org-9050 29 31 the the DT en-wikipedia-org-9050 29 32 business business NN en-wikipedia-org-9050 29 33 of of IN en-wikipedia-org-9050 29 34 insurance insurance NN en-wikipedia-org-9050 29 35 , , , en-wikipedia-org-9050 29 36 unless unless IN en-wikipedia-org-9050 29 37 the the DT en-wikipedia-org-9050 29 38 federal federal JJ en-wikipedia-org-9050 29 39 law law NN en-wikipedia-org-9050 29 40 specifically specifically RB en-wikipedia-org-9050 29 41 relates relate VBZ en-wikipedia-org-9050 29 42 to to IN en-wikipedia-org-9050 29 43 the the DT en-wikipedia-org-9050 29 44 business business NN en-wikipedia-org-9050 29 45 of of IN en-wikipedia-org-9050 29 46 insurance insurance NN en-wikipedia-org-9050 29 47 . . . en-wikipedia-org-9050 30 1 [ [ -LRB- en-wikipedia-org-9050 30 2 15 15 CD en-wikipedia-org-9050 30 3 ] ] -RRB- en-wikipedia-org-9050 30 4 A a DT en-wikipedia-org-9050 30 5 wave wave NN en-wikipedia-org-9050 30 6 of of IN en-wikipedia-org-9050 30 7 insurance insurance NN en-wikipedia-org-9050 30 8 company company NN en-wikipedia-org-9050 30 9 insolvencies insolvencie VBZ en-wikipedia-org-9050 30 10 in in IN en-wikipedia-org-9050 30 11 the the DT en-wikipedia-org-9050 30 12 1980s 1980 NNS en-wikipedia-org-9050 30 13 sparked spark VBD en-wikipedia-org-9050 30 14 a a DT en-wikipedia-org-9050 30 15 renewed renew VBN en-wikipedia-org-9050 30 16 interest interest NN en-wikipedia-org-9050 30 17 in in IN en-wikipedia-org-9050 30 18 federal federal JJ en-wikipedia-org-9050 30 19 insurance insurance NN en-wikipedia-org-9050 30 20 regulation regulation NN en-wikipedia-org-9050 30 21 , , , en-wikipedia-org-9050 30 22 including include VBG en-wikipedia-org-9050 30 23 new new JJ en-wikipedia-org-9050 30 24 legislation legislation NN en-wikipedia-org-9050 30 25 for for IN en-wikipedia-org-9050 30 26 a a DT en-wikipedia-org-9050 30 27 dual dual JJ en-wikipedia-org-9050 30 28 state state NN en-wikipedia-org-9050 30 29 and and CC en-wikipedia-org-9050 30 30 federal federal JJ en-wikipedia-org-9050 30 31 system system NN en-wikipedia-org-9050 30 32 of of IN en-wikipedia-org-9050 30 33 insurance insurance NN en-wikipedia-org-9050 30 34 solvency solvency NN en-wikipedia-org-9050 30 35 regulation regulation NN en-wikipedia-org-9050 30 36 . . . en-wikipedia-org-9050 31 1 [ [ -LRB- en-wikipedia-org-9050 31 2 16 16 CD en-wikipedia-org-9050 31 3 ] ] -RRB- en-wikipedia-org-9050 31 4 In in IN en-wikipedia-org-9050 31 5 response response NN en-wikipedia-org-9050 31 6 , , , en-wikipedia-org-9050 31 7 the the DT en-wikipedia-org-9050 31 8 National National NNP en-wikipedia-org-9050 31 9 Association Association NNP en-wikipedia-org-9050 31 10 of of IN en-wikipedia-org-9050 31 11 Insurance Insurance NNP en-wikipedia-org-9050 31 12 Commissioners Commissioners NNP en-wikipedia-org-9050 31 13 ( ( -LRB- en-wikipedia-org-9050 31 14 NAIC NAIC NNP en-wikipedia-org-9050 31 15 ) ) -RRB- en-wikipedia-org-9050 31 16 adopted adopt VBD en-wikipedia-org-9050 31 17 several several JJ en-wikipedia-org-9050 31 18 model model NN en-wikipedia-org-9050 31 19 reforms reform NNS en-wikipedia-org-9050 31 20 for for IN en-wikipedia-org-9050 31 21 state state NN en-wikipedia-org-9050 31 22 insurance insurance NN en-wikipedia-org-9050 31 23 regulation regulation NN en-wikipedia-org-9050 31 24 , , , en-wikipedia-org-9050 31 25 including include VBG en-wikipedia-org-9050 31 26 risk risk NN en-wikipedia-org-9050 31 27 - - HYPH en-wikipedia-org-9050 31 28 based base VBN en-wikipedia-org-9050 31 29 capital capital NN en-wikipedia-org-9050 31 30 requirements requirement NNS en-wikipedia-org-9050 31 31 , , , en-wikipedia-org-9050 31 32 financial financial JJ en-wikipedia-org-9050 31 33 regulation regulation NN en-wikipedia-org-9050 31 34 accreditation accreditation NN en-wikipedia-org-9050 31 35 standards standard NNS en-wikipedia-org-9050 31 36 and and CC en-wikipedia-org-9050 31 37 an an DT en-wikipedia-org-9050 31 38 initiative initiative NN en-wikipedia-org-9050 31 39 to to TO en-wikipedia-org-9050 31 40 codify codify VB en-wikipedia-org-9050 31 41 accounting accounting NN en-wikipedia-org-9050 31 42 principles principle NNS en-wikipedia-org-9050 31 43 . . . en-wikipedia-org-9050 32 1 As as IN en-wikipedia-org-9050 32 2 more more JJR en-wikipedia-org-9050 32 3 and and CC en-wikipedia-org-9050 32 4 more more JJR en-wikipedia-org-9050 32 5 states state NNS en-wikipedia-org-9050 32 6 enacted enact VBD en-wikipedia-org-9050 32 7 versions version NNS en-wikipedia-org-9050 32 8 of of IN en-wikipedia-org-9050 32 9 these these DT en-wikipedia-org-9050 32 10 model model NN en-wikipedia-org-9050 32 11 reforms reform NNS en-wikipedia-org-9050 32 12 into into IN en-wikipedia-org-9050 32 13 law law NN en-wikipedia-org-9050 32 14 , , , en-wikipedia-org-9050 32 15 the the DT en-wikipedia-org-9050 32 16 pressure pressure NN en-wikipedia-org-9050 32 17 for for IN en-wikipedia-org-9050 32 18 federal federal JJ en-wikipedia-org-9050 32 19 reform reform NN en-wikipedia-org-9050 32 20 of of IN en-wikipedia-org-9050 32 21 insurance insurance NN en-wikipedia-org-9050 32 22 regulation regulation NN en-wikipedia-org-9050 32 23 waned wane VBD en-wikipedia-org-9050 32 24 . . . en-wikipedia-org-9050 33 1 [ [ -LRB- en-wikipedia-org-9050 33 2 17 17 CD en-wikipedia-org-9050 33 3 ] ] -RRB- en-wikipedia-org-9050 33 4 However however RB en-wikipedia-org-9050 33 5 , , , en-wikipedia-org-9050 33 6 there there EX en-wikipedia-org-9050 33 7 are be VBP en-wikipedia-org-9050 33 8 still still RB en-wikipedia-org-9050 33 9 significant significant JJ en-wikipedia-org-9050 33 10 differences difference NNS en-wikipedia-org-9050 33 11 between between IN en-wikipedia-org-9050 33 12 states state NNS en-wikipedia-org-9050 33 13 in in IN en-wikipedia-org-9050 33 14 their -PRON- PRP$ en-wikipedia-org-9050 33 15 systems system NNS en-wikipedia-org-9050 33 16 of of IN en-wikipedia-org-9050 33 17 insurance insurance NN en-wikipedia-org-9050 33 18 regulation regulation NN en-wikipedia-org-9050 33 19 , , , en-wikipedia-org-9050 33 20 and and CC en-wikipedia-org-9050 33 21 the the DT en-wikipedia-org-9050 33 22 cost cost NN en-wikipedia-org-9050 33 23 of of IN en-wikipedia-org-9050 33 24 compliance compliance NN en-wikipedia-org-9050 33 25 with with IN en-wikipedia-org-9050 33 26 those those DT en-wikipedia-org-9050 33 27 systems system NNS en-wikipedia-org-9050 33 28 is be VBZ en-wikipedia-org-9050 33 29 ultimately ultimately RB en-wikipedia-org-9050 33 30 borne bear VBN en-wikipedia-org-9050 33 31 by by IN en-wikipedia-org-9050 33 32 insureds insured NNS en-wikipedia-org-9050 33 33 in in IN en-wikipedia-org-9050 33 34 the the DT en-wikipedia-org-9050 33 35 form form NN en-wikipedia-org-9050 33 36 of of IN en-wikipedia-org-9050 33 37 higher high JJR en-wikipedia-org-9050 33 38 premiums premium NNS en-wikipedia-org-9050 33 39 . . . en-wikipedia-org-9050 34 1 McKinsey McKinsey NNP en-wikipedia-org-9050 34 2 & & CC en-wikipedia-org-9050 34 3 Company Company NNP en-wikipedia-org-9050 34 4 estimated estimate VBD en-wikipedia-org-9050 34 5 in in IN en-wikipedia-org-9050 34 6 2009 2009 CD en-wikipedia-org-9050 34 7 that that IN en-wikipedia-org-9050 34 8 the the DT en-wikipedia-org-9050 34 9 U.S. U.S. NNP en-wikipedia-org-9050 34 10 insurance insurance NN en-wikipedia-org-9050 34 11 industry industry NN en-wikipedia-org-9050 34 12 incurs incur VBZ en-wikipedia-org-9050 34 13 about about IN en-wikipedia-org-9050 34 14 $ $ $ en-wikipedia-org-9050 34 15 13 13 CD en-wikipedia-org-9050 34 16 billion billion CD en-wikipedia-org-9050 34 17 annually annually RB en-wikipedia-org-9050 34 18 in in IN en-wikipedia-org-9050 34 19 unnecessary unnecessary JJ en-wikipedia-org-9050 34 20 regulatory regulatory JJ en-wikipedia-org-9050 34 21 costs cost NNS en-wikipedia-org-9050 34 22 under under IN en-wikipedia-org-9050 34 23 the the DT en-wikipedia-org-9050 34 24 state state NN en-wikipedia-org-9050 34 25 - - HYPH en-wikipedia-org-9050 34 26 based base VBN en-wikipedia-org-9050 34 27 regulatory regulatory JJ en-wikipedia-org-9050 34 28 system system NN en-wikipedia-org-9050 34 29 . . . en-wikipedia-org-9050 35 1 [ [ -LRB- en-wikipedia-org-9050 35 2 18 18 CD en-wikipedia-org-9050 35 3 ] ] -RRB- en-wikipedia-org-9050 35 4 The the DT en-wikipedia-org-9050 35 5 NAIC NAIC NNP en-wikipedia-org-9050 35 6 acts act VBZ en-wikipedia-org-9050 35 7 as as IN en-wikipedia-org-9050 35 8 a a DT en-wikipedia-org-9050 35 9 forum forum NN en-wikipedia-org-9050 35 10 for for IN en-wikipedia-org-9050 35 11 the the DT en-wikipedia-org-9050 35 12 creation creation NN en-wikipedia-org-9050 35 13 of of IN en-wikipedia-org-9050 35 14 model model NN en-wikipedia-org-9050 35 15 laws law NNS en-wikipedia-org-9050 35 16 and and CC en-wikipedia-org-9050 35 17 regulations regulation NNS en-wikipedia-org-9050 35 18 . . . en-wikipedia-org-9050 36 1 Each each DT en-wikipedia-org-9050 36 2 state state NN en-wikipedia-org-9050 36 3 decides decide VBZ en-wikipedia-org-9050 36 4 whether whether IN en-wikipedia-org-9050 36 5 to to TO en-wikipedia-org-9050 36 6 pass pass VB en-wikipedia-org-9050 36 7 each each DT en-wikipedia-org-9050 36 8 NAIC NAIC NNP en-wikipedia-org-9050 36 9 model model NN en-wikipedia-org-9050 36 10 law law NN en-wikipedia-org-9050 36 11 or or CC en-wikipedia-org-9050 36 12 regulation regulation NN en-wikipedia-org-9050 36 13 , , , en-wikipedia-org-9050 36 14 and and CC en-wikipedia-org-9050 36 15 each each DT en-wikipedia-org-9050 36 16 state state NN en-wikipedia-org-9050 36 17 may may MD en-wikipedia-org-9050 36 18 make make VB en-wikipedia-org-9050 36 19 changes change NNS en-wikipedia-org-9050 36 20 in in IN en-wikipedia-org-9050 36 21 the the DT en-wikipedia-org-9050 36 22 enactment enactment NN en-wikipedia-org-9050 36 23 process process NN en-wikipedia-org-9050 36 24 , , , en-wikipedia-org-9050 36 25 but but CC en-wikipedia-org-9050 36 26 the the DT en-wikipedia-org-9050 36 27 models model NNS en-wikipedia-org-9050 36 28 are be VBP en-wikipedia-org-9050 36 29 widely widely RB en-wikipedia-org-9050 36 30 , , , en-wikipedia-org-9050 36 31 albeit albeit IN en-wikipedia-org-9050 36 32 somewhat somewhat RB en-wikipedia-org-9050 36 33 irregularly irregularly RB en-wikipedia-org-9050 36 34 , , , en-wikipedia-org-9050 36 35 adopted adopt VBN en-wikipedia-org-9050 36 36 . . . en-wikipedia-org-9050 37 1 The the DT en-wikipedia-org-9050 37 2 NAIC NAIC NNP en-wikipedia-org-9050 37 3 also also RB en-wikipedia-org-9050 37 4 acts act VBZ en-wikipedia-org-9050 37 5 at at IN en-wikipedia-org-9050 37 6 the the DT en-wikipedia-org-9050 37 7 national national JJ en-wikipedia-org-9050 37 8 level level NN en-wikipedia-org-9050 37 9 to to TO en-wikipedia-org-9050 37 10 advance advance VB en-wikipedia-org-9050 37 11 laws law NNS en-wikipedia-org-9050 37 12 and and CC en-wikipedia-org-9050 37 13 policies policy NNS en-wikipedia-org-9050 37 14 supported support VBN en-wikipedia-org-9050 37 15 by by IN en-wikipedia-org-9050 37 16 state state NN en-wikipedia-org-9050 37 17 insurance insurance NN en-wikipedia-org-9050 37 18 regulators regulator NNS en-wikipedia-org-9050 37 19 . . . en-wikipedia-org-9050 38 1 NAIC NAIC NNP en-wikipedia-org-9050 38 2 model model NN en-wikipedia-org-9050 38 3 acts act VBZ en-wikipedia-org-9050 38 4 and and CC en-wikipedia-org-9050 38 5 regulations regulation NNS en-wikipedia-org-9050 38 6 provide provide VBP en-wikipedia-org-9050 38 7 some some DT en-wikipedia-org-9050 38 8 degree degree NN en-wikipedia-org-9050 38 9 of of IN en-wikipedia-org-9050 38 10 uniformity uniformity NN en-wikipedia-org-9050 38 11 between between IN en-wikipedia-org-9050 38 12 states state NNS en-wikipedia-org-9050 38 13 , , , en-wikipedia-org-9050 38 14 but but CC en-wikipedia-org-9050 38 15 these these DT en-wikipedia-org-9050 38 16 models model NNS en-wikipedia-org-9050 38 17 do do VBP en-wikipedia-org-9050 38 18 not not RB en-wikipedia-org-9050 38 19 have have VB en-wikipedia-org-9050 38 20 the the DT en-wikipedia-org-9050 38 21 force force NN en-wikipedia-org-9050 38 22 of of IN en-wikipedia-org-9050 38 23 law law NN en-wikipedia-org-9050 38 24 and and CC en-wikipedia-org-9050 38 25 have have VBP en-wikipedia-org-9050 38 26 no no DT en-wikipedia-org-9050 38 27 effect effect NN en-wikipedia-org-9050 38 28 unless unless IN en-wikipedia-org-9050 38 29 they -PRON- PRP en-wikipedia-org-9050 38 30 are be VBP en-wikipedia-org-9050 38 31 adopted adopt VBN en-wikipedia-org-9050 38 32 by by IN en-wikipedia-org-9050 38 33 a a DT en-wikipedia-org-9050 38 34 state state NN en-wikipedia-org-9050 38 35 . . . en-wikipedia-org-9050 39 1 They -PRON- PRP en-wikipedia-org-9050 39 2 are be VBP en-wikipedia-org-9050 39 3 , , , en-wikipedia-org-9050 39 4 however however RB en-wikipedia-org-9050 39 5 , , , en-wikipedia-org-9050 39 6 used use VBN en-wikipedia-org-9050 39 7 as as IN en-wikipedia-org-9050 39 8 guides guide NNS en-wikipedia-org-9050 39 9 by by IN en-wikipedia-org-9050 39 10 most most JJS en-wikipedia-org-9050 39 11 states state NNS en-wikipedia-org-9050 39 12 , , , en-wikipedia-org-9050 39 13 and and CC en-wikipedia-org-9050 39 14 some some DT en-wikipedia-org-9050 39 15 states state NNS en-wikipedia-org-9050 39 16 adopt adopt VBP en-wikipedia-org-9050 39 17 them -PRON- PRP en-wikipedia-org-9050 39 18 with with IN en-wikipedia-org-9050 39 19 little little JJ en-wikipedia-org-9050 39 20 or or CC en-wikipedia-org-9050 39 21 no no DT en-wikipedia-org-9050 39 22 change change NN en-wikipedia-org-9050 39 23 . . . en-wikipedia-org-9050 40 1 [ [ -LRB- en-wikipedia-org-9050 40 2 19 19 CD en-wikipedia-org-9050 40 3 ] ] -RRB- en-wikipedia-org-9050 40 4 There there EX en-wikipedia-org-9050 40 5 is be VBZ en-wikipedia-org-9050 40 6 a a DT en-wikipedia-org-9050 40 7 long long RB en-wikipedia-org-9050 40 8 - - HYPH en-wikipedia-org-9050 40 9 running run VBG en-wikipedia-org-9050 40 10 debate debate NN en-wikipedia-org-9050 40 11 within within IN en-wikipedia-org-9050 40 12 and and CC en-wikipedia-org-9050 40 13 among among IN en-wikipedia-org-9050 40 14 states state NNS en-wikipedia-org-9050 40 15 over over IN en-wikipedia-org-9050 40 16 the the DT en-wikipedia-org-9050 40 17 importance importance NN en-wikipedia-org-9050 40 18 of of IN en-wikipedia-org-9050 40 19 government government NN en-wikipedia-org-9050 40 20 regulation regulation NN en-wikipedia-org-9050 40 21 of of IN en-wikipedia-org-9050 40 22 insurance insurance NN en-wikipedia-org-9050 40 23 which which WDT en-wikipedia-org-9050 40 24 is be VBZ en-wikipedia-org-9050 40 25 noticeable noticeable JJ en-wikipedia-org-9050 40 26 in in IN en-wikipedia-org-9050 40 27 the the DT en-wikipedia-org-9050 40 28 different different JJ en-wikipedia-org-9050 40 29 titles title NNS en-wikipedia-org-9050 40 30 of of IN en-wikipedia-org-9050 40 31 their -PRON- PRP$ en-wikipedia-org-9050 40 32 state state NN en-wikipedia-org-9050 40 33 insurance insurance NN en-wikipedia-org-9050 40 34 regulatory regulatory JJ en-wikipedia-org-9050 40 35 agencies agency NNS en-wikipedia-org-9050 40 36 . . . en-wikipedia-org-9050 41 1 In in IN en-wikipedia-org-9050 41 2 many many JJ en-wikipedia-org-9050 41 3 states state NNS en-wikipedia-org-9050 41 4 , , , en-wikipedia-org-9050 41 5 insurance insurance NN en-wikipedia-org-9050 41 6 is be VBZ en-wikipedia-org-9050 41 7 regulated regulate VBN en-wikipedia-org-9050 41 8 through through IN en-wikipedia-org-9050 41 9 a a DT en-wikipedia-org-9050 41 10 cabinet cabinet NN en-wikipedia-org-9050 41 11 - - HYPH en-wikipedia-org-9050 41 12 level level NN en-wikipedia-org-9050 41 13 " " `` en-wikipedia-org-9050 41 14 department department NN en-wikipedia-org-9050 41 15 " " '' en-wikipedia-org-9050 41 16 because because IN en-wikipedia-org-9050 41 17 of of IN en-wikipedia-org-9050 41 18 its -PRON- PRP$ en-wikipedia-org-9050 41 19 economic economic JJ en-wikipedia-org-9050 41 20 importance importance NN en-wikipedia-org-9050 41 21 . . . en-wikipedia-org-9050 42 1 In in IN en-wikipedia-org-9050 42 2 other other JJ en-wikipedia-org-9050 42 3 states state NNS en-wikipedia-org-9050 42 4 , , , en-wikipedia-org-9050 42 5 insurance insurance NN en-wikipedia-org-9050 42 6 is be VBZ en-wikipedia-org-9050 42 7 regulated regulate VBN en-wikipedia-org-9050 42 8 through through IN en-wikipedia-org-9050 42 9 a a DT en-wikipedia-org-9050 42 10 " " `` en-wikipedia-org-9050 42 11 division division NN en-wikipedia-org-9050 42 12 " " '' en-wikipedia-org-9050 42 13 of of IN en-wikipedia-org-9050 42 14 a a DT en-wikipedia-org-9050 42 15 larger large JJR en-wikipedia-org-9050 42 16 department department NN en-wikipedia-org-9050 42 17 of of IN en-wikipedia-org-9050 42 18 business business NN en-wikipedia-org-9050 42 19 regulation regulation NN en-wikipedia-org-9050 42 20 or or CC en-wikipedia-org-9050 42 21 financial financial JJ en-wikipedia-org-9050 42 22 services service NNS en-wikipedia-org-9050 42 23 , , , en-wikipedia-org-9050 42 24 on on IN en-wikipedia-org-9050 42 25 the the DT en-wikipedia-org-9050 42 26 grounds ground NNS en-wikipedia-org-9050 42 27 that that IN en-wikipedia-org-9050 42 28 elevating elevate VBG en-wikipedia-org-9050 42 29 too too RB en-wikipedia-org-9050 42 30 many many JJ en-wikipedia-org-9050 42 31 government government NN en-wikipedia-org-9050 42 32 agencies agency NNS en-wikipedia-org-9050 42 33 to to IN en-wikipedia-org-9050 42 34 departments department NNS en-wikipedia-org-9050 42 35 leads lead VBZ en-wikipedia-org-9050 42 36 to to IN en-wikipedia-org-9050 42 37 administrative administrative JJ en-wikipedia-org-9050 42 38 chaos chaos NN en-wikipedia-org-9050 42 39 and and CC en-wikipedia-org-9050 42 40 the the DT en-wikipedia-org-9050 42 41 better well JJR en-wikipedia-org-9050 42 42 option option NN en-wikipedia-org-9050 42 43 is be VBZ en-wikipedia-org-9050 42 44 to to TO en-wikipedia-org-9050 42 45 maintain maintain VB en-wikipedia-org-9050 42 46 a a DT en-wikipedia-org-9050 42 47 clear clear JJ en-wikipedia-org-9050 42 48 chain chain NN en-wikipedia-org-9050 42 49 of of IN en-wikipedia-org-9050 42 50 command command NN en-wikipedia-org-9050 42 51 . . . en-wikipedia-org-9050 43 1 Federal federal JJ en-wikipedia-org-9050 43 2 regulation regulation NN en-wikipedia-org-9050 43 3 of of IN en-wikipedia-org-9050 43 4 insurance[edit insurance[edit CD en-wikipedia-org-9050 43 5 ] ] -RRB- en-wikipedia-org-9050 43 6 Nevertheless nevertheless RB en-wikipedia-org-9050 43 7 , , , en-wikipedia-org-9050 43 8 federal federal JJ en-wikipedia-org-9050 43 9 regulation regulation NN en-wikipedia-org-9050 43 10 has have VBZ en-wikipedia-org-9050 43 11 continued continue VBN en-wikipedia-org-9050 43 12 to to TO en-wikipedia-org-9050 43 13 encroach encroach VB en-wikipedia-org-9050 43 14 upon upon IN en-wikipedia-org-9050 43 15 the the DT en-wikipedia-org-9050 43 16 state state NN en-wikipedia-org-9050 43 17 regulatory regulatory JJ en-wikipedia-org-9050 43 18 system system NN en-wikipedia-org-9050 43 19 . . . en-wikipedia-org-9050 44 1 [ [ -LRB- en-wikipedia-org-9050 44 2 16 16 CD en-wikipedia-org-9050 44 3 ] ] -RRB- en-wikipedia-org-9050 44 4 The the DT en-wikipedia-org-9050 44 5 idea idea NN en-wikipedia-org-9050 44 6 of of IN en-wikipedia-org-9050 44 7 an an DT en-wikipedia-org-9050 44 8 optional optional JJ en-wikipedia-org-9050 44 9 federal federal JJ en-wikipedia-org-9050 44 10 charter charter NN en-wikipedia-org-9050 44 11 was be VBD en-wikipedia-org-9050 44 12 first first RB en-wikipedia-org-9050 44 13 raised raise VBN en-wikipedia-org-9050 44 14 after after IN en-wikipedia-org-9050 44 15 a a DT en-wikipedia-org-9050 44 16 spate spate NN en-wikipedia-org-9050 44 17 of of IN en-wikipedia-org-9050 44 18 solvency solvency NN en-wikipedia-org-9050 44 19 and and CC en-wikipedia-org-9050 44 20 capacity capacity NN en-wikipedia-org-9050 44 21 issues issue NNS en-wikipedia-org-9050 44 22 plagued plague VBD en-wikipedia-org-9050 44 23 property property NN en-wikipedia-org-9050 44 24 and and CC en-wikipedia-org-9050 44 25 casualty casualty NN en-wikipedia-org-9050 44 26 insurers insurer NNS en-wikipedia-org-9050 44 27 in in IN en-wikipedia-org-9050 44 28 the the DT en-wikipedia-org-9050 44 29 1970s 1970 NNS en-wikipedia-org-9050 44 30 . . . en-wikipedia-org-9050 45 1 This this DT en-wikipedia-org-9050 45 2 OFC OFC NNP en-wikipedia-org-9050 45 3 concept concept NN en-wikipedia-org-9050 45 4 was be VBD en-wikipedia-org-9050 45 5 to to TO en-wikipedia-org-9050 45 6 establish establish VB en-wikipedia-org-9050 45 7 an an DT en-wikipedia-org-9050 45 8 elective elective JJ en-wikipedia-org-9050 45 9 federal federal JJ en-wikipedia-org-9050 45 10 regulatory regulatory JJ en-wikipedia-org-9050 45 11 scheme scheme NN en-wikipedia-org-9050 45 12 that that WDT en-wikipedia-org-9050 45 13 insurers insurer NNS en-wikipedia-org-9050 45 14 could could MD en-wikipedia-org-9050 45 15 opt opt VB en-wikipedia-org-9050 45 16 into into IN en-wikipedia-org-9050 45 17 from from IN en-wikipedia-org-9050 45 18 the the DT en-wikipedia-org-9050 45 19 traditional traditional JJ en-wikipedia-org-9050 45 20 state state NN en-wikipedia-org-9050 45 21 system system NN en-wikipedia-org-9050 45 22 , , , en-wikipedia-org-9050 45 23 somewhat somewhat RB en-wikipedia-org-9050 45 24 analogous analogous JJ en-wikipedia-org-9050 45 25 to to IN en-wikipedia-org-9050 45 26 the the DT en-wikipedia-org-9050 45 27 dual dual JJ en-wikipedia-org-9050 45 28 - - HYPH en-wikipedia-org-9050 45 29 charter charter NN en-wikipedia-org-9050 45 30 regulation regulation NN en-wikipedia-org-9050 45 31 of of IN en-wikipedia-org-9050 45 32 banks bank NNS en-wikipedia-org-9050 45 33 . . . en-wikipedia-org-9050 46 1 Although although IN en-wikipedia-org-9050 46 2 the the DT en-wikipedia-org-9050 46 3 optional optional JJ en-wikipedia-org-9050 46 4 federal federal JJ en-wikipedia-org-9050 46 5 chartering charter VBG en-wikipedia-org-9050 46 6 proposal proposal NN en-wikipedia-org-9050 46 7 was be VBD en-wikipedia-org-9050 46 8 defeated defeat VBN en-wikipedia-org-9050 46 9 in in IN en-wikipedia-org-9050 46 10 the the DT en-wikipedia-org-9050 46 11 1970s 1970 NNS en-wikipedia-org-9050 46 12 , , , en-wikipedia-org-9050 46 13 it -PRON- PRP en-wikipedia-org-9050 46 14 became become VBD en-wikipedia-org-9050 46 15 the the DT en-wikipedia-org-9050 46 16 precursor precursor NN en-wikipedia-org-9050 46 17 for for IN en-wikipedia-org-9050 46 18 a a DT en-wikipedia-org-9050 46 19 modern modern JJ en-wikipedia-org-9050 46 20 debate debate NN en-wikipedia-org-9050 46 21 over over IN en-wikipedia-org-9050 46 22 optional optional JJ en-wikipedia-org-9050 46 23 federal federal JJ en-wikipedia-org-9050 46 24 chartering chartering NN en-wikipedia-org-9050 46 25 in in IN en-wikipedia-org-9050 46 26 the the DT en-wikipedia-org-9050 46 27 last last JJ en-wikipedia-org-9050 46 28 decade decade NN en-wikipedia-org-9050 46 29 . . . en-wikipedia-org-9050 47 1 [ [ -LRB- en-wikipedia-org-9050 47 2 20 20 CD en-wikipedia-org-9050 47 3 ] ] -RRB- en-wikipedia-org-9050 47 4 President President NNP en-wikipedia-org-9050 47 5 Obama Obama NNP en-wikipedia-org-9050 47 6 signing sign VBG en-wikipedia-org-9050 47 7 Dodd Dodd NNP en-wikipedia-org-9050 47 8 - - HYPH en-wikipedia-org-9050 47 9 Frank Frank NNP en-wikipedia-org-9050 47 10 Reform Reform NNP en-wikipedia-org-9050 47 11 Act Act NNP en-wikipedia-org-9050 47 12 into into IN en-wikipedia-org-9050 47 13 law law NN en-wikipedia-org-9050 47 14 In in IN en-wikipedia-org-9050 47 15 1979 1979 CD en-wikipedia-org-9050 47 16 and and CC en-wikipedia-org-9050 47 17 the the DT en-wikipedia-org-9050 47 18 early early JJ en-wikipedia-org-9050 47 19 1980s 1980 NNS en-wikipedia-org-9050 47 20 the the DT en-wikipedia-org-9050 47 21 Federal Federal NNP en-wikipedia-org-9050 47 22 Trade Trade NNP en-wikipedia-org-9050 47 23 Commission Commission NNP en-wikipedia-org-9050 47 24 attempted attempt VBD en-wikipedia-org-9050 47 25 to to TO en-wikipedia-org-9050 47 26 regulate regulate VB en-wikipedia-org-9050 47 27 the the DT en-wikipedia-org-9050 47 28 insurance insurance NN en-wikipedia-org-9050 47 29 industry industry NN en-wikipedia-org-9050 47 30 , , , en-wikipedia-org-9050 47 31 but but CC en-wikipedia-org-9050 47 32 the the DT en-wikipedia-org-9050 47 33 Senate Senate NNP en-wikipedia-org-9050 47 34 Commerce Commerce NNP en-wikipedia-org-9050 47 35 Committee Committee NNP en-wikipedia-org-9050 47 36 voted vote VBD en-wikipedia-org-9050 47 37 unanimously unanimously RB en-wikipedia-org-9050 47 38 to to TO en-wikipedia-org-9050 47 39 prohibit prohibit VB en-wikipedia-org-9050 47 40 the the DT en-wikipedia-org-9050 47 41 FTC FTC NNP en-wikipedia-org-9050 47 42 's 's POS en-wikipedia-org-9050 47 43 efforts effort NNS en-wikipedia-org-9050 47 44 . . . en-wikipedia-org-9050 48 1 President President NNP en-wikipedia-org-9050 48 2 Jimmy Jimmy NNP en-wikipedia-org-9050 48 3 Carter Carter NNP en-wikipedia-org-9050 48 4 attempted attempt VBD en-wikipedia-org-9050 48 5 to to TO en-wikipedia-org-9050 48 6 create create VB en-wikipedia-org-9050 48 7 an an DT en-wikipedia-org-9050 48 8 " " `` en-wikipedia-org-9050 48 9 Office Office NNP en-wikipedia-org-9050 48 10 of of IN en-wikipedia-org-9050 48 11 Insurance Insurance NNP en-wikipedia-org-9050 48 12 Analysis Analysis NNP en-wikipedia-org-9050 48 13 " " '' en-wikipedia-org-9050 48 14 in in IN en-wikipedia-org-9050 48 15 the the DT en-wikipedia-org-9050 48 16 Treasury Treasury NNP en-wikipedia-org-9050 48 17 Department Department NNP en-wikipedia-org-9050 48 18 , , , en-wikipedia-org-9050 48 19 but but CC en-wikipedia-org-9050 48 20 the the DT en-wikipedia-org-9050 48 21 idea idea NN en-wikipedia-org-9050 48 22 was be VBD en-wikipedia-org-9050 48 23 abandoned abandon VBN en-wikipedia-org-9050 48 24 under under IN en-wikipedia-org-9050 48 25 industry industry NN en-wikipedia-org-9050 48 26 pressure pressure NN en-wikipedia-org-9050 48 27 . . . en-wikipedia-org-9050 49 1 [ [ -LRB- en-wikipedia-org-9050 49 2 21 21 CD en-wikipedia-org-9050 49 3 ] ] -RRB- en-wikipedia-org-9050 49 4 Over over IN en-wikipedia-org-9050 49 5 the the DT en-wikipedia-org-9050 49 6 past past JJ en-wikipedia-org-9050 49 7 two two CD en-wikipedia-org-9050 49 8 decades decade NNS en-wikipedia-org-9050 49 9 , , , en-wikipedia-org-9050 49 10 renewed renew VBN en-wikipedia-org-9050 49 11 calls call NNS en-wikipedia-org-9050 49 12 for for IN en-wikipedia-org-9050 49 13 optional optional JJ en-wikipedia-org-9050 49 14 federal federal JJ en-wikipedia-org-9050 49 15 regulation regulation NN en-wikipedia-org-9050 49 16 of of IN en-wikipedia-org-9050 49 17 insurance insurance NN en-wikipedia-org-9050 49 18 companies company NNS en-wikipedia-org-9050 49 19 have have VBP en-wikipedia-org-9050 49 20 sounded sound VBN en-wikipedia-org-9050 49 21 , , , en-wikipedia-org-9050 49 22 including include VBG en-wikipedia-org-9050 49 23 the the DT en-wikipedia-org-9050 49 24 Gramm Gramm NNP en-wikipedia-org-9050 49 25 - - HYPH en-wikipedia-org-9050 49 26 Leach Leach NNP en-wikipedia-org-9050 49 27 - - HYPH en-wikipedia-org-9050 49 28 Bliley Bliley NNP en-wikipedia-org-9050 49 29 Act Act NNP en-wikipedia-org-9050 49 30 in in IN en-wikipedia-org-9050 49 31 1999 1999 CD en-wikipedia-org-9050 49 32 , , , en-wikipedia-org-9050 49 33 the the DT en-wikipedia-org-9050 49 34 proposed propose VBN en-wikipedia-org-9050 49 35 National National NNP en-wikipedia-org-9050 49 36 Insurance Insurance NNP en-wikipedia-org-9050 49 37 Act Act NNP en-wikipedia-org-9050 49 38 in in IN en-wikipedia-org-9050 49 39 2006 2006 CD en-wikipedia-org-9050 49 40 and and CC en-wikipedia-org-9050 49 41 the the DT en-wikipedia-org-9050 49 42 Patient Patient NNP en-wikipedia-org-9050 49 43 Protection Protection NNP en-wikipedia-org-9050 49 44 and and CC en-wikipedia-org-9050 49 45 Affordable Affordable NNP en-wikipedia-org-9050 49 46 Care Care NNP en-wikipedia-org-9050 49 47 Act Act NNP en-wikipedia-org-9050 49 48 ( ( -LRB- en-wikipedia-org-9050 49 49 " " `` en-wikipedia-org-9050 49 50 Obamacare Obamacare NNP en-wikipedia-org-9050 49 51 " " '' en-wikipedia-org-9050 49 52 ) ) -RRB- en-wikipedia-org-9050 49 53 in in IN en-wikipedia-org-9050 49 54 2010 2010 CD en-wikipedia-org-9050 49 55 . . . en-wikipedia-org-9050 50 1 [ [ -LRB- en-wikipedia-org-9050 50 2 16 16 CD en-wikipedia-org-9050 50 3 ] ] -RRB- en-wikipedia-org-9050 50 4 In in IN en-wikipedia-org-9050 50 5 2010 2010 CD en-wikipedia-org-9050 50 6 , , , en-wikipedia-org-9050 50 7 Congress Congress NNP en-wikipedia-org-9050 50 8 passed pass VBD en-wikipedia-org-9050 50 9 the the DT en-wikipedia-org-9050 50 10 Dodd Dodd NNP en-wikipedia-org-9050 50 11 – – : en-wikipedia-org-9050 50 12 Frank Frank NNP en-wikipedia-org-9050 50 13 Wall Wall NNP en-wikipedia-org-9050 50 14 Street Street NNP en-wikipedia-org-9050 50 15 Reform Reform NNP en-wikipedia-org-9050 50 16 and and CC en-wikipedia-org-9050 50 17 Consumer Consumer NNP en-wikipedia-org-9050 50 18 Protection Protection NNP en-wikipedia-org-9050 50 19 Act Act NNP en-wikipedia-org-9050 50 20 which which WDT en-wikipedia-org-9050 50 21 is be VBZ en-wikipedia-org-9050 50 22 touted tout VBN en-wikipedia-org-9050 50 23 by by IN en-wikipedia-org-9050 50 24 some some DT en-wikipedia-org-9050 50 25 as as IN en-wikipedia-org-9050 50 26 the the DT en-wikipedia-org-9050 50 27 most most RBS en-wikipedia-org-9050 50 28 sweeping sweeping JJ en-wikipedia-org-9050 50 29 financial financial JJ en-wikipedia-org-9050 50 30 regulation regulation NN en-wikipedia-org-9050 50 31 overhaul overhaul NN en-wikipedia-org-9050 50 32 since since IN en-wikipedia-org-9050 50 33 the the DT en-wikipedia-org-9050 50 34 Great Great NNP en-wikipedia-org-9050 50 35 Depression Depression NNP en-wikipedia-org-9050 50 36 . . . en-wikipedia-org-9050 51 1 The the DT en-wikipedia-org-9050 51 2 Dodd Dodd NNP en-wikipedia-org-9050 51 3 - - HYPH en-wikipedia-org-9050 51 4 Frank Frank NNP en-wikipedia-org-9050 51 5 Act Act NNP en-wikipedia-org-9050 51 6 has have VBZ en-wikipedia-org-9050 51 7 significant significant JJ en-wikipedia-org-9050 51 8 implications implication NNS en-wikipedia-org-9050 51 9 for for IN en-wikipedia-org-9050 51 10 the the DT en-wikipedia-org-9050 51 11 insurance insurance NN en-wikipedia-org-9050 51 12 industry industry NN en-wikipedia-org-9050 51 13 . . . en-wikipedia-org-9050 52 1 Significantly significantly RB en-wikipedia-org-9050 52 2 , , , en-wikipedia-org-9050 52 3 Title title NN en-wikipedia-org-9050 52 4 V v NN en-wikipedia-org-9050 52 5 of of IN en-wikipedia-org-9050 52 6 created create VBN en-wikipedia-org-9050 52 7 the the DT en-wikipedia-org-9050 52 8 Federal Federal NNP en-wikipedia-org-9050 52 9 Insurance Insurance NNP en-wikipedia-org-9050 52 10 Office Office NNP en-wikipedia-org-9050 52 11 ( ( -LRB- en-wikipedia-org-9050 52 12 FIO FIO NNP en-wikipedia-org-9050 52 13 ) ) -RRB- en-wikipedia-org-9050 52 14 in in IN en-wikipedia-org-9050 52 15 the the DT en-wikipedia-org-9050 52 16 Department Department NNP en-wikipedia-org-9050 52 17 of of IN en-wikipedia-org-9050 52 18 the the DT en-wikipedia-org-9050 52 19 Treasury Treasury NNP en-wikipedia-org-9050 52 20 . . . en-wikipedia-org-9050 53 1 The the DT en-wikipedia-org-9050 53 2 FIO FIO NNP en-wikipedia-org-9050 53 3 is be VBZ en-wikipedia-org-9050 53 4 authorized authorize VBN en-wikipedia-org-9050 53 5 to to TO en-wikipedia-org-9050 53 6 monitor monitor VB en-wikipedia-org-9050 53 7 all all DT en-wikipedia-org-9050 53 8 of of IN en-wikipedia-org-9050 53 9 the the DT en-wikipedia-org-9050 53 10 insurance insurance NN en-wikipedia-org-9050 53 11 industry industry NN en-wikipedia-org-9050 53 12 and and CC en-wikipedia-org-9050 53 13 identify identify VB en-wikipedia-org-9050 53 14 any any DT en-wikipedia-org-9050 53 15 gaps gap NNS en-wikipedia-org-9050 53 16 in in IN en-wikipedia-org-9050 53 17 the the DT en-wikipedia-org-9050 53 18 state state NN en-wikipedia-org-9050 53 19 - - HYPH en-wikipedia-org-9050 53 20 based base VBN en-wikipedia-org-9050 53 21 regulatory regulatory JJ en-wikipedia-org-9050 53 22 system system NN en-wikipedia-org-9050 53 23 . . . en-wikipedia-org-9050 54 1 The the DT en-wikipedia-org-9050 54 2 Dodd Dodd NNP en-wikipedia-org-9050 54 3 - - HYPH en-wikipedia-org-9050 54 4 Frank Frank NNP en-wikipedia-org-9050 54 5 Act Act NNP en-wikipedia-org-9050 54 6 also also RB en-wikipedia-org-9050 54 7 establishes establish VBZ en-wikipedia-org-9050 54 8 the the DT en-wikipedia-org-9050 54 9 Financial Financial NNP en-wikipedia-org-9050 54 10 Stability Stability NNP en-wikipedia-org-9050 54 11 Oversight Oversight NNP en-wikipedia-org-9050 54 12 Council Council NNP en-wikipedia-org-9050 54 13 ( ( -LRB- en-wikipedia-org-9050 54 14 FSOC FSOC NNP en-wikipedia-org-9050 54 15 ) ) -RRB- en-wikipedia-org-9050 54 16 , , , en-wikipedia-org-9050 54 17 which which WDT en-wikipedia-org-9050 54 18 is be VBZ en-wikipedia-org-9050 54 19 charged charge VBN en-wikipedia-org-9050 54 20 with with IN en-wikipedia-org-9050 54 21 monitoring monitor VBG en-wikipedia-org-9050 54 22 the the DT en-wikipedia-org-9050 54 23 financial financial JJ en-wikipedia-org-9050 54 24 services service NNS en-wikipedia-org-9050 54 25 markets market NNS en-wikipedia-org-9050 54 26 , , , en-wikipedia-org-9050 54 27 including include VBG en-wikipedia-org-9050 54 28 the the DT en-wikipedia-org-9050 54 29 insurance insurance NN en-wikipedia-org-9050 54 30 industry industry NN en-wikipedia-org-9050 54 31 , , , en-wikipedia-org-9050 54 32 to to TO en-wikipedia-org-9050 54 33 identify identify VB en-wikipedia-org-9050 54 34 potential potential JJ en-wikipedia-org-9050 54 35 risks risk NNS en-wikipedia-org-9050 54 36 to to IN en-wikipedia-org-9050 54 37 the the DT en-wikipedia-org-9050 54 38 financial financial JJ en-wikipedia-org-9050 54 39 stability stability NN en-wikipedia-org-9050 54 40 of of IN en-wikipedia-org-9050 54 41 the the DT en-wikipedia-org-9050 54 42 United United NNP en-wikipedia-org-9050 54 43 States States NNP en-wikipedia-org-9050 54 44 . . . en-wikipedia-org-9050 55 1 [ [ -LRB- en-wikipedia-org-9050 55 2 16][22][23 16][22][23 CD en-wikipedia-org-9050 55 3 ] ] -RRB- en-wikipedia-org-9050 55 4 Organization[edit organization[edit CD en-wikipedia-org-9050 55 5 ] ] -RRB- en-wikipedia-org-9050 55 6 Admitted admit VBN en-wikipedia-org-9050 55 7 v. v. IN en-wikipedia-org-9050 55 8 surplus[edit surplus[edit LS en-wikipedia-org-9050 55 9 ] ] -RRB- en-wikipedia-org-9050 55 10 An an DT en-wikipedia-org-9050 55 11 important important JJ en-wikipedia-org-9050 55 12 artifact artifact NN en-wikipedia-org-9050 55 13 of of IN en-wikipedia-org-9050 55 14 the the DT en-wikipedia-org-9050 55 15 state state NN en-wikipedia-org-9050 55 16 - - HYPH en-wikipedia-org-9050 55 17 based base VBN en-wikipedia-org-9050 55 18 insurance insurance NN en-wikipedia-org-9050 55 19 regulation regulation NN en-wikipedia-org-9050 55 20 system system NN en-wikipedia-org-9050 55 21 in in IN en-wikipedia-org-9050 55 22 the the DT en-wikipedia-org-9050 55 23 United United NNP en-wikipedia-org-9050 55 24 States States NNP en-wikipedia-org-9050 55 25 is be VBZ en-wikipedia-org-9050 55 26 the the DT en-wikipedia-org-9050 55 27 dichotomy dichotomy NN en-wikipedia-org-9050 55 28 between between IN en-wikipedia-org-9050 55 29 admitted admitted JJ en-wikipedia-org-9050 55 30 and and CC en-wikipedia-org-9050 55 31 surplus surplus JJ en-wikipedia-org-9050 55 32 insurers insurer NNS en-wikipedia-org-9050 55 33 . . . en-wikipedia-org-9050 56 1 Insurers insurer NNS en-wikipedia-org-9050 56 2 in in IN en-wikipedia-org-9050 56 3 the the DT en-wikipedia-org-9050 56 4 U.S. U.S. NNP en-wikipedia-org-9050 56 5 may may MD en-wikipedia-org-9050 56 6 be be VB en-wikipedia-org-9050 56 7 " " `` en-wikipedia-org-9050 56 8 admitted admit VBN en-wikipedia-org-9050 56 9 " " '' en-wikipedia-org-9050 56 10 , , , en-wikipedia-org-9050 56 11 meaning mean VBG en-wikipedia-org-9050 56 12 that that IN en-wikipedia-org-9050 56 13 they -PRON- PRP en-wikipedia-org-9050 56 14 have have VBP en-wikipedia-org-9050 56 15 been be VBN en-wikipedia-org-9050 56 16 formally formally RB en-wikipedia-org-9050 56 17 admitted admit VBN en-wikipedia-org-9050 56 18 to to IN en-wikipedia-org-9050 56 19 a a DT en-wikipedia-org-9050 56 20 state state NN en-wikipedia-org-9050 56 21 's 's POS en-wikipedia-org-9050 56 22 insurance insurance NN en-wikipedia-org-9050 56 23 market market NN en-wikipedia-org-9050 56 24 by by IN en-wikipedia-org-9050 56 25 the the DT en-wikipedia-org-9050 56 26 state state NN en-wikipedia-org-9050 56 27 insurance insurance NNP en-wikipedia-org-9050 56 28 commissioner commissioner NN en-wikipedia-org-9050 56 29 , , , en-wikipedia-org-9050 56 30 and and CC en-wikipedia-org-9050 56 31 are be VBP en-wikipedia-org-9050 56 32 subject subject JJ en-wikipedia-org-9050 56 33 to to IN en-wikipedia-org-9050 56 34 various various JJ en-wikipedia-org-9050 56 35 state state NN en-wikipedia-org-9050 56 36 laws law NNS en-wikipedia-org-9050 56 37 governing govern VBG en-wikipedia-org-9050 56 38 organization organization NN en-wikipedia-org-9050 56 39 , , , en-wikipedia-org-9050 56 40 capitalization capitalization NN en-wikipedia-org-9050 56 41 , , , en-wikipedia-org-9050 56 42 policy policy NN en-wikipedia-org-9050 56 43 forms form NNS en-wikipedia-org-9050 56 44 , , , en-wikipedia-org-9050 56 45 rate rate NN en-wikipedia-org-9050 56 46 approvals approval NNS en-wikipedia-org-9050 56 47 , , , en-wikipedia-org-9050 56 48 and and CC en-wikipedia-org-9050 56 49 claims claim NNS en-wikipedia-org-9050 56 50 handling handling NN en-wikipedia-org-9050 56 51 . . . en-wikipedia-org-9050 57 1 Or or CC en-wikipedia-org-9050 57 2 they -PRON- PRP en-wikipedia-org-9050 57 3 may may MD en-wikipedia-org-9050 57 4 be be VB en-wikipedia-org-9050 57 5 " " `` en-wikipedia-org-9050 57 6 surplus surplus JJ en-wikipedia-org-9050 57 7 " " '' en-wikipedia-org-9050 57 8 , , , en-wikipedia-org-9050 57 9 meaning mean VBG en-wikipedia-org-9050 57 10 that that IN en-wikipedia-org-9050 57 11 they -PRON- PRP en-wikipedia-org-9050 57 12 are be VBP en-wikipedia-org-9050 57 13 nonadmitted nonadmitte VBN en-wikipedia-org-9050 57 14 in in IN en-wikipedia-org-9050 57 15 a a DT en-wikipedia-org-9050 57 16 particular particular JJ en-wikipedia-org-9050 57 17 state state NN en-wikipedia-org-9050 57 18 but but CC en-wikipedia-org-9050 57 19 are be VBP en-wikipedia-org-9050 57 20 willing willing JJ en-wikipedia-org-9050 57 21 to to TO en-wikipedia-org-9050 57 22 write write VB en-wikipedia-org-9050 57 23 coverage coverage NN en-wikipedia-org-9050 57 24 there there RB en-wikipedia-org-9050 57 25 . . . en-wikipedia-org-9050 58 1 Surplus surplus JJ en-wikipedia-org-9050 58 2 line line NN en-wikipedia-org-9050 58 3 insurers insurer NNS en-wikipedia-org-9050 58 4 are be VBP en-wikipedia-org-9050 58 5 supposed suppose VBN en-wikipedia-org-9050 58 6 to to TO en-wikipedia-org-9050 58 7 underwrite underwrite VB en-wikipedia-org-9050 58 8 only only RB en-wikipedia-org-9050 58 9 very very RB en-wikipedia-org-9050 58 10 unusual unusual JJ en-wikipedia-org-9050 58 11 or or CC en-wikipedia-org-9050 58 12 difficult difficult JJ en-wikipedia-org-9050 58 13 - - HYPH en-wikipedia-org-9050 58 14 to to TO en-wikipedia-org-9050 58 15 - - HYPH en-wikipedia-org-9050 58 16 insure insure VB en-wikipedia-org-9050 58 17 risks risk NNS en-wikipedia-org-9050 58 18 , , , en-wikipedia-org-9050 58 19 to to TO en-wikipedia-org-9050 58 20 prevent prevent VB en-wikipedia-org-9050 58 21 them -PRON- PRP en-wikipedia-org-9050 58 22 from from IN en-wikipedia-org-9050 58 23 undermining undermine VBG en-wikipedia-org-9050 58 24 each each DT en-wikipedia-org-9050 58 25 state state NN en-wikipedia-org-9050 58 26 's 's POS en-wikipedia-org-9050 58 27 ability ability NN en-wikipedia-org-9050 58 28 to to TO en-wikipedia-org-9050 58 29 regulate regulate VB en-wikipedia-org-9050 58 30 its -PRON- PRP$ en-wikipedia-org-9050 58 31 insurance insurance NN en-wikipedia-org-9050 58 32 market market NN en-wikipedia-org-9050 58 33 . . . en-wikipedia-org-9050 59 1 Although although IN en-wikipedia-org-9050 59 2 experienced experienced JJ en-wikipedia-org-9050 59 3 insurance insurance NN en-wikipedia-org-9050 59 4 brokers broker NNS en-wikipedia-org-9050 59 5 are be VBP en-wikipedia-org-9050 59 6 well well RB en-wikipedia-org-9050 59 7 aware aware JJ en-wikipedia-org-9050 59 8 of of IN en-wikipedia-org-9050 59 9 what what WP en-wikipedia-org-9050 59 10 risks risk NNS en-wikipedia-org-9050 59 11 an an DT en-wikipedia-org-9050 59 12 admitted admit VBN en-wikipedia-org-9050 59 13 insurer insurer NN en-wikipedia-org-9050 59 14 will will MD en-wikipedia-org-9050 59 15 not not RB en-wikipedia-org-9050 59 16 accept accept VB en-wikipedia-org-9050 59 17 , , , en-wikipedia-org-9050 59 18 they -PRON- PRP en-wikipedia-org-9050 59 19 must must MD en-wikipedia-org-9050 59 20 document document VB en-wikipedia-org-9050 59 21 a a DT en-wikipedia-org-9050 59 22 " " `` en-wikipedia-org-9050 59 23 diligent diligent JJ en-wikipedia-org-9050 59 24 effort effort NN en-wikipedia-org-9050 59 25 " " '' en-wikipedia-org-9050 59 26 at at IN en-wikipedia-org-9050 59 27 actually actually RB en-wikipedia-org-9050 59 28 shopping shop VBG en-wikipedia-org-9050 59 29 around around IN en-wikipedia-org-9050 59 30 a a DT en-wikipedia-org-9050 59 31 risk risk NN en-wikipedia-org-9050 59 32 to to IN en-wikipedia-org-9050 59 33 several several JJ en-wikipedia-org-9050 59 34 admitted admit VBN en-wikipedia-org-9050 59 35 insurers insurer NNS en-wikipedia-org-9050 59 36 ( ( -LRB- en-wikipedia-org-9050 59 37 typically typically RB en-wikipedia-org-9050 59 38 three three CD en-wikipedia-org-9050 59 39 , , , en-wikipedia-org-9050 59 40 who who WP en-wikipedia-org-9050 59 41 will will MD en-wikipedia-org-9050 59 42 promptly promptly RB en-wikipedia-org-9050 59 43 reject reject VB en-wikipedia-org-9050 59 44 it -PRON- PRP en-wikipedia-org-9050 59 45 ) ) -RRB- en-wikipedia-org-9050 59 46 before before IN en-wikipedia-org-9050 59 47 applying apply VBG en-wikipedia-org-9050 59 48 for for IN en-wikipedia-org-9050 59 49 coverage coverage NN en-wikipedia-org-9050 59 50 with with IN en-wikipedia-org-9050 59 51 a a DT en-wikipedia-org-9050 59 52 surplus surplus JJ en-wikipedia-org-9050 59 53 line line NN en-wikipedia-org-9050 59 54 insurer insurer NN en-wikipedia-org-9050 59 55 . . . en-wikipedia-org-9050 60 1 [ [ -LRB- en-wikipedia-org-9050 60 2 24 24 CD en-wikipedia-org-9050 60 3 ] ] -RRB- en-wikipedia-org-9050 60 4 To to TO en-wikipedia-org-9050 60 5 relieve relieve VB en-wikipedia-org-9050 60 6 insurers insurer NNS en-wikipedia-org-9050 60 7 and and CC en-wikipedia-org-9050 60 8 brokers broker NNS en-wikipedia-org-9050 60 9 of of IN en-wikipedia-org-9050 60 10 that that DT en-wikipedia-org-9050 60 11 tedious tedious JJ en-wikipedia-org-9050 60 12 and and CC en-wikipedia-org-9050 60 13 time time NN en-wikipedia-org-9050 60 14 - - HYPH en-wikipedia-org-9050 60 15 consuming consume VBG en-wikipedia-org-9050 60 16 chore chore NN en-wikipedia-org-9050 60 17 , , , en-wikipedia-org-9050 60 18 many many JJ en-wikipedia-org-9050 60 19 states state NNS en-wikipedia-org-9050 60 20 now now RB en-wikipedia-org-9050 60 21 maintain maintain VBP en-wikipedia-org-9050 60 22 " " `` en-wikipedia-org-9050 60 23 export export NN en-wikipedia-org-9050 60 24 lists list NNS en-wikipedia-org-9050 60 25 " " '' en-wikipedia-org-9050 60 26 of of IN en-wikipedia-org-9050 60 27 risks risk NNS en-wikipedia-org-9050 60 28 that that WDT en-wikipedia-org-9050 60 29 the the DT en-wikipedia-org-9050 60 30 state state NN en-wikipedia-org-9050 60 31 insurance insurance NN en-wikipedia-org-9050 60 32 commissioner commissioner NN en-wikipedia-org-9050 60 33 has have VBZ en-wikipedia-org-9050 60 34 already already RB en-wikipedia-org-9050 60 35 identified identify VBN en-wikipedia-org-9050 60 36 as as IN en-wikipedia-org-9050 60 37 having have VBG en-wikipedia-org-9050 60 38 no no DT en-wikipedia-org-9050 60 39 coverage coverage NN en-wikipedia-org-9050 60 40 available available JJ en-wikipedia-org-9050 60 41 whatsoever whatsoever RB en-wikipedia-org-9050 60 42 from from IN en-wikipedia-org-9050 60 43 any any DT en-wikipedia-org-9050 60 44 admitted admitted JJ en-wikipedia-org-9050 60 45 insurer insurer NN en-wikipedia-org-9050 60 46 in in IN en-wikipedia-org-9050 60 47 the the DT en-wikipedia-org-9050 60 48 state state NN en-wikipedia-org-9050 60 49 . . . en-wikipedia-org-9050 61 1 In in IN en-wikipedia-org-9050 61 2 turn turn NN en-wikipedia-org-9050 61 3 , , , en-wikipedia-org-9050 61 4 brokers broker NNS en-wikipedia-org-9050 61 5 presented present VBN en-wikipedia-org-9050 61 6 by by IN en-wikipedia-org-9050 61 7 clients client NNS en-wikipedia-org-9050 61 8 with with IN en-wikipedia-org-9050 61 9 those those DT en-wikipedia-org-9050 61 10 risks risk NNS en-wikipedia-org-9050 61 11 can can MD en-wikipedia-org-9050 61 12 immediately immediately RB en-wikipedia-org-9050 61 13 " " `` en-wikipedia-org-9050 61 14 export export VB en-wikipedia-org-9050 61 15 " " '' en-wikipedia-org-9050 61 16 them -PRON- PRP en-wikipedia-org-9050 61 17 to to IN en-wikipedia-org-9050 61 18 the the DT en-wikipedia-org-9050 61 19 out out JJ en-wikipedia-org-9050 61 20 - - HYPH en-wikipedia-org-9050 61 21 of of IN en-wikipedia-org-9050 61 22 - - HYPH en-wikipedia-org-9050 61 23 state state NN en-wikipedia-org-9050 61 24 surplus surplus NN en-wikipedia-org-9050 61 25 market market NN en-wikipedia-org-9050 61 26 and and CC en-wikipedia-org-9050 61 27 apply apply VB en-wikipedia-org-9050 61 28 directly directly RB en-wikipedia-org-9050 61 29 to to IN en-wikipedia-org-9050 61 30 surplus surplus JJ en-wikipedia-org-9050 61 31 line line NN en-wikipedia-org-9050 61 32 insurers insurer NNS en-wikipedia-org-9050 61 33 without without IN en-wikipedia-org-9050 61 34 having have VBG en-wikipedia-org-9050 61 35 to to TO en-wikipedia-org-9050 61 36 first first JJ en-wikipedia-org-9050 61 37 document document VB en-wikipedia-org-9050 61 38 multiple multiple JJ en-wikipedia-org-9050 61 39 attempts attempt NNS en-wikipedia-org-9050 61 40 to to TO en-wikipedia-org-9050 61 41 present present VB en-wikipedia-org-9050 61 42 the the DT en-wikipedia-org-9050 61 43 risk risk NN en-wikipedia-org-9050 61 44 to to IN en-wikipedia-org-9050 61 45 admitted admit VBN en-wikipedia-org-9050 61 46 insurers insurer NNS en-wikipedia-org-9050 61 47 . . . en-wikipedia-org-9050 62 1 [ [ -LRB- en-wikipedia-org-9050 62 2 24 24 CD en-wikipedia-org-9050 62 3 ] ] -RRB- en-wikipedia-org-9050 62 4 However however RB en-wikipedia-org-9050 62 5 , , , en-wikipedia-org-9050 62 6 many many JJ en-wikipedia-org-9050 62 7 states state NNS en-wikipedia-org-9050 62 8 have have VBP en-wikipedia-org-9050 62 9 refused refuse VBN en-wikipedia-org-9050 62 10 to to TO en-wikipedia-org-9050 62 11 establish establish VB en-wikipedia-org-9050 62 12 export export NN en-wikipedia-org-9050 62 13 lists list NNS en-wikipedia-org-9050 62 14 , , , en-wikipedia-org-9050 62 15 including include VBG en-wikipedia-org-9050 62 16 Florida Florida NNP en-wikipedia-org-9050 62 17 , , , en-wikipedia-org-9050 62 18 Illinois Illinois NNP en-wikipedia-org-9050 62 19 , , , en-wikipedia-org-9050 62 20 and and CC en-wikipedia-org-9050 62 21 Texas Texas NNP en-wikipedia-org-9050 62 22 . . . en-wikipedia-org-9050 63 1 By by IN en-wikipedia-org-9050 63 2 their -PRON- PRP$ en-wikipedia-org-9050 63 3 very very JJ en-wikipedia-org-9050 63 4 nature nature NN en-wikipedia-org-9050 63 5 , , , en-wikipedia-org-9050 63 6 export export NN en-wikipedia-org-9050 63 7 lists list NNS en-wikipedia-org-9050 63 8 illustrate illustrate VBP en-wikipedia-org-9050 63 9 what what WP en-wikipedia-org-9050 63 10 U.S. U.S. NNP en-wikipedia-org-9050 63 11 insurers insurer NNS en-wikipedia-org-9050 63 12 consider consider VBP en-wikipedia-org-9050 63 13 to to TO en-wikipedia-org-9050 63 14 be be VB en-wikipedia-org-9050 63 15 hard hard JJ en-wikipedia-org-9050 63 16 - - HYPH en-wikipedia-org-9050 63 17 to to TO en-wikipedia-org-9050 63 18 - - HYPH en-wikipedia-org-9050 63 19 insure insure VB en-wikipedia-org-9050 63 20 risks risk NNS en-wikipedia-org-9050 63 21 . . . en-wikipedia-org-9050 64 1 For for IN en-wikipedia-org-9050 64 2 example example NN en-wikipedia-org-9050 64 3 , , , en-wikipedia-org-9050 64 4 the the DT en-wikipedia-org-9050 64 5 California California NNP en-wikipedia-org-9050 64 6 export export NN en-wikipedia-org-9050 64 7 list list NN en-wikipedia-org-9050 64 8 includes include VBZ en-wikipedia-org-9050 64 9 ambulance ambulance NN en-wikipedia-org-9050 64 10 services service NNS en-wikipedia-org-9050 64 11 , , , en-wikipedia-org-9050 64 12 amusement amusement NN en-wikipedia-org-9050 64 13 parks park NNS en-wikipedia-org-9050 64 14 , , , en-wikipedia-org-9050 64 15 fireworks firework NNS en-wikipedia-org-9050 64 16 displays display NNS en-wikipedia-org-9050 64 17 , , , en-wikipedia-org-9050 64 18 moving move VBG en-wikipedia-org-9050 64 19 a a DT en-wikipedia-org-9050 64 20 building building NN en-wikipedia-org-9050 64 21 , , , en-wikipedia-org-9050 64 22 demolition demolition NN en-wikipedia-org-9050 64 23 , , , en-wikipedia-org-9050 64 24 hot hot JJ en-wikipedia-org-9050 64 25 air air NN en-wikipedia-org-9050 64 26 balloons balloon NNS en-wikipedia-org-9050 64 27 , , , en-wikipedia-org-9050 64 28 product product NN en-wikipedia-org-9050 64 29 recalls recall NNS en-wikipedia-org-9050 64 30 , , , en-wikipedia-org-9050 64 31 sawmills sawmill NNS en-wikipedia-org-9050 64 32 , , , en-wikipedia-org-9050 64 33 security security NN en-wikipedia-org-9050 64 34 guards guard NNS en-wikipedia-org-9050 64 35 , , , en-wikipedia-org-9050 64 36 and and CC en-wikipedia-org-9050 64 37 tattoo tattoo NNP en-wikipedia-org-9050 64 38 shops shop NNS en-wikipedia-org-9050 64 39 , , , en-wikipedia-org-9050 64 40 as as RB en-wikipedia-org-9050 64 41 well well RB en-wikipedia-org-9050 64 42 as as IN en-wikipedia-org-9050 64 43 particular particular JJ en-wikipedia-org-9050 64 44 types type NNS en-wikipedia-org-9050 64 45 of of IN en-wikipedia-org-9050 64 46 insurance insurance NN en-wikipedia-org-9050 64 47 like like IN en-wikipedia-org-9050 64 48 Employment Employment NNP en-wikipedia-org-9050 64 49 Practices Practices NNPS en-wikipedia-org-9050 64 50 Liability Liability NNP en-wikipedia-org-9050 64 51 and and CC en-wikipedia-org-9050 64 52 kidnap kidnap NN en-wikipedia-org-9050 64 53 and and CC en-wikipedia-org-9050 64 54 ransom ransom NN en-wikipedia-org-9050 64 55 . . . en-wikipedia-org-9050 65 1 [ [ -LRB- en-wikipedia-org-9050 65 2 25 25 CD en-wikipedia-org-9050 65 3 ] ] -RRB- en-wikipedia-org-9050 65 4 Although although IN en-wikipedia-org-9050 65 5 surplus surplus JJ en-wikipedia-org-9050 65 6 line line NN en-wikipedia-org-9050 65 7 insurers insurer NNS en-wikipedia-org-9050 65 8 are be VBP en-wikipedia-org-9050 65 9 still still RB en-wikipedia-org-9050 65 10 regulated regulate VBN en-wikipedia-org-9050 65 11 by by IN en-wikipedia-org-9050 65 12 the the DT en-wikipedia-org-9050 65 13 states state NNS en-wikipedia-org-9050 65 14 ( ( -LRB- en-wikipedia-org-9050 65 15 or or CC en-wikipedia-org-9050 65 16 countries country NNS en-wikipedia-org-9050 65 17 ) ) -RRB- en-wikipedia-org-9050 65 18 in in IN en-wikipedia-org-9050 65 19 which which WDT en-wikipedia-org-9050 65 20 they -PRON- PRP en-wikipedia-org-9050 65 21 are be VBP en-wikipedia-org-9050 65 22 actually actually RB en-wikipedia-org-9050 65 23 admitted admit VBN en-wikipedia-org-9050 65 24 , , , en-wikipedia-org-9050 65 25 the the DT en-wikipedia-org-9050 65 26 disadvantages disadvantage NNS en-wikipedia-org-9050 65 27 of of IN en-wikipedia-org-9050 65 28 obtaining obtain VBG en-wikipedia-org-9050 65 29 insurance insurance NN en-wikipedia-org-9050 65 30 from from IN en-wikipedia-org-9050 65 31 a a DT en-wikipedia-org-9050 65 32 surplus surplus JJ en-wikipedia-org-9050 65 33 line line NN en-wikipedia-org-9050 65 34 insurer insurer NN en-wikipedia-org-9050 65 35 are be VBP en-wikipedia-org-9050 65 36 that that IN en-wikipedia-org-9050 65 37 the the DT en-wikipedia-org-9050 65 38 policy policy NN en-wikipedia-org-9050 65 39 will will MD en-wikipedia-org-9050 65 40 usually usually RB en-wikipedia-org-9050 65 41 be be VB en-wikipedia-org-9050 65 42 written write VBN en-wikipedia-org-9050 65 43 on on IN en-wikipedia-org-9050 65 44 a a DT en-wikipedia-org-9050 65 45 nonstandard nonstandard JJ en-wikipedia-org-9050 65 46 form form NN en-wikipedia-org-9050 65 47 ( ( -LRB- en-wikipedia-org-9050 65 48 that that RB en-wikipedia-org-9050 65 49 is is RB en-wikipedia-org-9050 65 50 , , , en-wikipedia-org-9050 65 51 not not RB en-wikipedia-org-9050 65 52 from from IN en-wikipedia-org-9050 65 53 the the DT en-wikipedia-org-9050 65 54 Insurance Insurance NNP en-wikipedia-org-9050 65 55 Services Services NNPS en-wikipedia-org-9050 65 56 Office Office NNP en-wikipedia-org-9050 65 57 ) ) -RRB- en-wikipedia-org-9050 65 58 , , , en-wikipedia-org-9050 65 59 and and CC en-wikipedia-org-9050 65 60 if if IN en-wikipedia-org-9050 65 61 the the DT en-wikipedia-org-9050 65 62 insurer insurer NN en-wikipedia-org-9050 65 63 collapses collapse VBZ en-wikipedia-org-9050 65 64 , , , en-wikipedia-org-9050 65 65 its -PRON- PRP$ en-wikipedia-org-9050 65 66 insureds insured NNS en-wikipedia-org-9050 65 67 in in IN en-wikipedia-org-9050 65 68 states state NNS en-wikipedia-org-9050 65 69 in in IN en-wikipedia-org-9050 65 70 which which WDT en-wikipedia-org-9050 65 71 it -PRON- PRP en-wikipedia-org-9050 65 72 is be VBZ en-wikipedia-org-9050 65 73 nonadmitted nonadmitte VBN en-wikipedia-org-9050 65 74 will will MD en-wikipedia-org-9050 65 75 not not RB en-wikipedia-org-9050 65 76 enjoy enjoy VB en-wikipedia-org-9050 65 77 certain certain JJ en-wikipedia-org-9050 65 78 types type NNS en-wikipedia-org-9050 65 79 of of IN en-wikipedia-org-9050 65 80 protection protection NN en-wikipedia-org-9050 65 81 available available JJ en-wikipedia-org-9050 65 82 to to IN en-wikipedia-org-9050 65 83 insureds insured NNS en-wikipedia-org-9050 65 84 in in IN en-wikipedia-org-9050 65 85 the the DT en-wikipedia-org-9050 65 86 states state NNS en-wikipedia-org-9050 65 87 ( ( -LRB- en-wikipedia-org-9050 65 88 or or CC en-wikipedia-org-9050 65 89 countries country NNS en-wikipedia-org-9050 65 90 ) ) -RRB- en-wikipedia-org-9050 65 91 in in IN en-wikipedia-org-9050 65 92 which which WDT en-wikipedia-org-9050 65 93 the the DT en-wikipedia-org-9050 65 94 insurer insurer NN en-wikipedia-org-9050 65 95 is be VBZ en-wikipedia-org-9050 65 96 admitted admit VBN en-wikipedia-org-9050 65 97 . . . en-wikipedia-org-9050 66 1 However however RB en-wikipedia-org-9050 66 2 , , , en-wikipedia-org-9050 66 3 for for IN en-wikipedia-org-9050 66 4 persons person NNS en-wikipedia-org-9050 66 5 trying try VBG en-wikipedia-org-9050 66 6 to to TO en-wikipedia-org-9050 66 7 obtain obtain VB en-wikipedia-org-9050 66 8 coverage coverage NN en-wikipedia-org-9050 66 9 for for IN en-wikipedia-org-9050 66 10 unusual unusual JJ en-wikipedia-org-9050 66 11 risks risk NNS en-wikipedia-org-9050 66 12 , , , en-wikipedia-org-9050 66 13 the the DT en-wikipedia-org-9050 66 14 choice choice NN en-wikipedia-org-9050 66 15 is be VBZ en-wikipedia-org-9050 66 16 usually usually RB en-wikipedia-org-9050 66 17 between between IN en-wikipedia-org-9050 66 18 a a DT en-wikipedia-org-9050 66 19 surplus surplus JJ en-wikipedia-org-9050 66 20 line line NN en-wikipedia-org-9050 66 21 insurer insurer NN en-wikipedia-org-9050 66 22 or or CC en-wikipedia-org-9050 66 23 no no DT en-wikipedia-org-9050 66 24 coverage coverage NN en-wikipedia-org-9050 66 25 at at RB en-wikipedia-org-9050 66 26 all all RB en-wikipedia-org-9050 66 27 . . . en-wikipedia-org-9050 67 1 One one CD en-wikipedia-org-9050 67 2 long long RB en-wikipedia-org-9050 67 3 - - HYPH en-wikipedia-org-9050 67 4 running run VBG en-wikipedia-org-9050 67 5 issue issue NN en-wikipedia-org-9050 67 6 with with IN en-wikipedia-org-9050 67 7 the the DT en-wikipedia-org-9050 67 8 surplus surplus NN en-wikipedia-org-9050 67 9 lines line NNS en-wikipedia-org-9050 67 10 concept concept NN en-wikipedia-org-9050 67 11 is be VBZ en-wikipedia-org-9050 67 12 that that IN en-wikipedia-org-9050 67 13 it -PRON- PRP en-wikipedia-org-9050 67 14 makes make VBZ en-wikipedia-org-9050 67 15 less less JJR en-wikipedia-org-9050 67 16 sense sense NN en-wikipedia-org-9050 67 17 when when WRB en-wikipedia-org-9050 67 18 applied apply VBN en-wikipedia-org-9050 67 19 to to IN en-wikipedia-org-9050 67 20 sophisticated sophisticated JJ en-wikipedia-org-9050 67 21 insureds insured NNS en-wikipedia-org-9050 67 22 with with IN en-wikipedia-org-9050 67 23 many many JJ en-wikipedia-org-9050 67 24 risks risk NNS en-wikipedia-org-9050 67 25 spread spread VBN en-wikipedia-org-9050 67 26 across across IN en-wikipedia-org-9050 67 27 multiple multiple JJ en-wikipedia-org-9050 67 28 states state NNS en-wikipedia-org-9050 67 29 . . . en-wikipedia-org-9050 68 1 Congress Congress NNP en-wikipedia-org-9050 68 2 enacted enact VBD en-wikipedia-org-9050 68 3 the the DT en-wikipedia-org-9050 68 4 Nonadmitted Nonadmitted NNP en-wikipedia-org-9050 68 5 and and CC en-wikipedia-org-9050 68 6 Reinsurance Reinsurance NNP en-wikipedia-org-9050 68 7 Reform Reform NNP en-wikipedia-org-9050 68 8 Act Act NNP en-wikipedia-org-9050 68 9 of of IN en-wikipedia-org-9050 68 10 2010 2010 CD en-wikipedia-org-9050 68 11 in in IN en-wikipedia-org-9050 68 12 an an DT en-wikipedia-org-9050 68 13 attempt attempt NN en-wikipedia-org-9050 68 14 to to TO en-wikipedia-org-9050 68 15 clarify clarify VB en-wikipedia-org-9050 68 16 which which WDT en-wikipedia-org-9050 68 17 state state NN en-wikipedia-org-9050 68 18 gets get VBZ en-wikipedia-org-9050 68 19 to to TO en-wikipedia-org-9050 68 20 regulate regulate VB en-wikipedia-org-9050 68 21 the the DT en-wikipedia-org-9050 68 22 sale sale NN en-wikipedia-org-9050 68 23 of of IN en-wikipedia-org-9050 68 24 surplus surplus JJ en-wikipedia-org-9050 68 25 lines line NNS en-wikipedia-org-9050 68 26 insurance insurance NN en-wikipedia-org-9050 68 27 to to IN en-wikipedia-org-9050 68 28 such such JJ en-wikipedia-org-9050 68 29 insureds insured NNS en-wikipedia-org-9050 68 30 , , , en-wikipedia-org-9050 68 31 and and CC en-wikipedia-org-9050 68 32 to to TO en-wikipedia-org-9050 68 33 exempt exempt VB en-wikipedia-org-9050 68 34 certain certain JJ en-wikipedia-org-9050 68 35 elite elite JJ en-wikipedia-org-9050 68 36 categories category NNS en-wikipedia-org-9050 68 37 of of IN en-wikipedia-org-9050 68 38 insurance insurance NN en-wikipedia-org-9050 68 39 purchasers purchaser NNS en-wikipedia-org-9050 68 40 from from IN en-wikipedia-org-9050 68 41 the the DT en-wikipedia-org-9050 68 42 normal normal JJ en-wikipedia-org-9050 68 43 requirement requirement NN en-wikipedia-org-9050 68 44 of of IN en-wikipedia-org-9050 68 45 a a DT en-wikipedia-org-9050 68 46 diligent diligent JJ en-wikipedia-org-9050 68 47 effort effort NN en-wikipedia-org-9050 68 48 to to TO en-wikipedia-org-9050 68 49 procure procure VB en-wikipedia-org-9050 68 50 coverage coverage NN en-wikipedia-org-9050 68 51 from from IN en-wikipedia-org-9050 68 52 admitted admit VBN en-wikipedia-org-9050 68 53 insurers insurer NNS en-wikipedia-org-9050 68 54 . . . en-wikipedia-org-9050 69 1 Insurance insurance NN en-wikipedia-org-9050 69 2 groups[edit groups[edit CD en-wikipedia-org-9050 69 3 ] ] -RRB- en-wikipedia-org-9050 69 4 Only only RB en-wikipedia-org-9050 69 5 the the DT en-wikipedia-org-9050 69 6 smallest small JJS en-wikipedia-org-9050 69 7 insurers insurer NNS en-wikipedia-org-9050 69 8 exist exist VBP en-wikipedia-org-9050 69 9 as as IN en-wikipedia-org-9050 69 10 a a DT en-wikipedia-org-9050 69 11 single single JJ en-wikipedia-org-9050 69 12 corporation corporation NN en-wikipedia-org-9050 69 13 . . . en-wikipedia-org-9050 70 1 Most Most JJS en-wikipedia-org-9050 70 2 major major JJ en-wikipedia-org-9050 70 3 insurance insurance NN en-wikipedia-org-9050 70 4 companies company NNS en-wikipedia-org-9050 70 5 actually actually RB en-wikipedia-org-9050 70 6 exist exist VBP en-wikipedia-org-9050 70 7 as as IN en-wikipedia-org-9050 70 8 insurance insurance NN en-wikipedia-org-9050 70 9 groups group NNS en-wikipedia-org-9050 70 10 . . . en-wikipedia-org-9050 71 1 That that RB en-wikipedia-org-9050 71 2 is is RB en-wikipedia-org-9050 71 3 , , , en-wikipedia-org-9050 71 4 they -PRON- PRP en-wikipedia-org-9050 71 5 consist consist VBP en-wikipedia-org-9050 71 6 of of IN en-wikipedia-org-9050 71 7 holding hold VBG en-wikipedia-org-9050 71 8 companies company NNS en-wikipedia-org-9050 71 9 which which WDT en-wikipedia-org-9050 71 10 own own VBP en-wikipedia-org-9050 71 11 several several JJ en-wikipedia-org-9050 71 12 admitted admit VBN en-wikipedia-org-9050 71 13 and and CC en-wikipedia-org-9050 71 14 surplus surplus JJ en-wikipedia-org-9050 71 15 insurers insurer NNS en-wikipedia-org-9050 71 16 ( ( -LRB- en-wikipedia-org-9050 71 17 and and CC en-wikipedia-org-9050 71 18 sometimes sometimes RB en-wikipedia-org-9050 71 19 a a DT en-wikipedia-org-9050 71 20 few few JJ en-wikipedia-org-9050 71 21 excess excess JJ en-wikipedia-org-9050 71 22 insurers insurer NNS en-wikipedia-org-9050 71 23 and and CC en-wikipedia-org-9050 71 24 reinsurers reinsurer NNS en-wikipedia-org-9050 71 25 as as RB en-wikipedia-org-9050 71 26 well well RB en-wikipedia-org-9050 71 27 ) ) -RRB- en-wikipedia-org-9050 71 28 . . . en-wikipedia-org-9050 72 1 There there EX en-wikipedia-org-9050 72 2 are be VBP en-wikipedia-org-9050 72 3 dramatic dramatic JJ en-wikipedia-org-9050 72 4 variations variation NNS en-wikipedia-org-9050 72 5 from from IN en-wikipedia-org-9050 72 6 one one CD en-wikipedia-org-9050 72 7 insurance insurance NN en-wikipedia-org-9050 72 8 group group NN en-wikipedia-org-9050 72 9 to to IN en-wikipedia-org-9050 72 10 the the DT en-wikipedia-org-9050 72 11 next next JJ en-wikipedia-org-9050 72 12 in in IN en-wikipedia-org-9050 72 13 terms term NNS en-wikipedia-org-9050 72 14 of of IN en-wikipedia-org-9050 72 15 how how WRB en-wikipedia-org-9050 72 16 its -PRON- PRP$ en-wikipedia-org-9050 72 17 various various JJ en-wikipedia-org-9050 72 18 business business NN en-wikipedia-org-9050 72 19 functions function NNS en-wikipedia-org-9050 72 20 are be VBP en-wikipedia-org-9050 72 21 divided divide VBN en-wikipedia-org-9050 72 22 up up RP en-wikipedia-org-9050 72 23 among among IN en-wikipedia-org-9050 72 24 its -PRON- PRP$ en-wikipedia-org-9050 72 25 subsidiaries subsidiary NNS en-wikipedia-org-9050 72 26 or or CC en-wikipedia-org-9050 72 27 outsourced outsource VBN en-wikipedia-org-9050 72 28 to to IN en-wikipedia-org-9050 72 29 third third JJ en-wikipedia-org-9050 72 30 party party NN en-wikipedia-org-9050 72 31 corporations corporation NNS en-wikipedia-org-9050 72 32 altogether altogether RB en-wikipedia-org-9050 72 33 . . . en-wikipedia-org-9050 73 1 All all DT en-wikipedia-org-9050 73 2 major major JJ en-wikipedia-org-9050 73 3 insurance insurance NN en-wikipedia-org-9050 73 4 groups group NNS en-wikipedia-org-9050 73 5 in in IN en-wikipedia-org-9050 73 6 the the DT en-wikipedia-org-9050 73 7 U.S. U.S. NNP en-wikipedia-org-9050 73 8 that that IN en-wikipedia-org-9050 73 9 transact transact NN en-wikipedia-org-9050 73 10 insurance insurance NN en-wikipedia-org-9050 73 11 in in IN en-wikipedia-org-9050 73 12 California California NNP en-wikipedia-org-9050 73 13 maintain maintain VBP en-wikipedia-org-9050 73 14 a a DT en-wikipedia-org-9050 73 15 publicly publicly RB en-wikipedia-org-9050 73 16 accessible accessible JJ en-wikipedia-org-9050 73 17 list list NN en-wikipedia-org-9050 73 18 on on IN en-wikipedia-org-9050 73 19 their -PRON- PRP$ en-wikipedia-org-9050 73 20 Web web NN en-wikipedia-org-9050 73 21 sites site NNS en-wikipedia-org-9050 73 22 of of IN en-wikipedia-org-9050 73 23 the the DT en-wikipedia-org-9050 73 24 actual actual JJ en-wikipedia-org-9050 73 25 insurer insurer NN en-wikipedia-org-9050 73 26 entities entity NNS en-wikipedia-org-9050 73 27 within within IN en-wikipedia-org-9050 73 28 the the DT en-wikipedia-org-9050 73 29 group group NN en-wikipedia-org-9050 73 30 , , , en-wikipedia-org-9050 73 31 as as IN en-wikipedia-org-9050 73 32 required require VBN en-wikipedia-org-9050 73 33 by by IN en-wikipedia-org-9050 73 34 California California NNP en-wikipedia-org-9050 73 35 Insurance Insurance NNP en-wikipedia-org-9050 73 36 Code Code NNP en-wikipedia-org-9050 73 37 Section Section NNP en-wikipedia-org-9050 73 38 702 702 CD en-wikipedia-org-9050 73 39 . . . en-wikipedia-org-9050 74 1 [ [ -LRB- en-wikipedia-org-9050 74 2 26 26 CD en-wikipedia-org-9050 74 3 ] ] -RRB- en-wikipedia-org-9050 74 4 An an DT en-wikipedia-org-9050 74 5 example example NN en-wikipedia-org-9050 74 6 of of IN en-wikipedia-org-9050 74 7 how how WRB en-wikipedia-org-9050 74 8 insurance insurance NN en-wikipedia-org-9050 74 9 groups group NNS en-wikipedia-org-9050 74 10 work work VBP en-wikipedia-org-9050 74 11 is be VBZ en-wikipedia-org-9050 74 12 that that IN en-wikipedia-org-9050 74 13 when when WRB en-wikipedia-org-9050 74 14 people people NNS en-wikipedia-org-9050 74 15 call call VBP en-wikipedia-org-9050 74 16 GEICO GEICO NNP en-wikipedia-org-9050 74 17 and and CC en-wikipedia-org-9050 74 18 ask ask VB en-wikipedia-org-9050 74 19 for for IN en-wikipedia-org-9050 74 20 a a DT en-wikipedia-org-9050 74 21 rate rate NN en-wikipedia-org-9050 74 22 quote quote NN en-wikipedia-org-9050 74 23 , , , en-wikipedia-org-9050 74 24 they -PRON- PRP en-wikipedia-org-9050 74 25 are be VBP en-wikipedia-org-9050 74 26 actually actually RB en-wikipedia-org-9050 74 27 speaking speak VBG en-wikipedia-org-9050 74 28 to to IN en-wikipedia-org-9050 74 29 GEICO GEICO NNP en-wikipedia-org-9050 74 30 Insurance Insurance NNP en-wikipedia-org-9050 74 31 Agency Agency NNP en-wikipedia-org-9050 74 32 , , , en-wikipedia-org-9050 74 33 which which WDT en-wikipedia-org-9050 74 34 may may MD en-wikipedia-org-9050 74 35 then then RB en-wikipedia-org-9050 74 36 write write VB en-wikipedia-org-9050 74 37 a a DT en-wikipedia-org-9050 74 38 policy policy NN en-wikipedia-org-9050 74 39 from from IN en-wikipedia-org-9050 74 40 any any DT en-wikipedia-org-9050 74 41 one one CD en-wikipedia-org-9050 74 42 of of IN en-wikipedia-org-9050 74 43 GEICO GEICO NNP en-wikipedia-org-9050 74 44 's 's POS en-wikipedia-org-9050 74 45 eight eight CD en-wikipedia-org-9050 74 46 insurance insurance NN en-wikipedia-org-9050 74 47 companies company NNS en-wikipedia-org-9050 74 48 . . . en-wikipedia-org-9050 75 1 When when WRB en-wikipedia-org-9050 75 2 the the DT en-wikipedia-org-9050 75 3 customer customer NN en-wikipedia-org-9050 75 4 writes write VBZ en-wikipedia-org-9050 75 5 their -PRON- PRP$ en-wikipedia-org-9050 75 6 check check NN en-wikipedia-org-9050 75 7 for for IN en-wikipedia-org-9050 75 8 the the DT en-wikipedia-org-9050 75 9 premium premium NN en-wikipedia-org-9050 75 10 to to TO en-wikipedia-org-9050 75 11 " " `` en-wikipedia-org-9050 75 12 GEICO GEICO NNP en-wikipedia-org-9050 75 13 " " '' en-wikipedia-org-9050 75 14 , , , en-wikipedia-org-9050 75 15 the the DT en-wikipedia-org-9050 75 16 premium premium NN en-wikipedia-org-9050 75 17 is be VBZ en-wikipedia-org-9050 75 18 actually actually RB en-wikipedia-org-9050 75 19 deposited deposit VBN en-wikipedia-org-9050 75 20 with with IN en-wikipedia-org-9050 75 21 one one CD en-wikipedia-org-9050 75 22 of of IN en-wikipedia-org-9050 75 23 those those DT en-wikipedia-org-9050 75 24 eight eight CD en-wikipedia-org-9050 75 25 insurance insurance NN en-wikipedia-org-9050 75 26 companies company NNS en-wikipedia-org-9050 75 27 ( ( -LRB- en-wikipedia-org-9050 75 28 the the DT en-wikipedia-org-9050 75 29 one one NN en-wikipedia-org-9050 75 30 that that WDT en-wikipedia-org-9050 75 31 actually actually RB en-wikipedia-org-9050 75 32 wrote write VBD en-wikipedia-org-9050 75 33 their -PRON- PRP$ en-wikipedia-org-9050 75 34 policy policy NN en-wikipedia-org-9050 75 35 ) ) -RRB- en-wikipedia-org-9050 75 36 . . . en-wikipedia-org-9050 76 1 Similarly similarly RB en-wikipedia-org-9050 76 2 , , , en-wikipedia-org-9050 76 3 any any DT en-wikipedia-org-9050 76 4 claims claim NNS en-wikipedia-org-9050 76 5 against against IN en-wikipedia-org-9050 76 6 the the DT en-wikipedia-org-9050 76 7 policy policy NN en-wikipedia-org-9050 76 8 are be VBP en-wikipedia-org-9050 76 9 charged charge VBN en-wikipedia-org-9050 76 10 to to IN en-wikipedia-org-9050 76 11 the the DT en-wikipedia-org-9050 76 12 issuing issuing NN en-wikipedia-org-9050 76 13 company company NN en-wikipedia-org-9050 76 14 . . . en-wikipedia-org-9050 77 1 However however RB en-wikipedia-org-9050 77 2 , , , en-wikipedia-org-9050 77 3 as as RB en-wikipedia-org-9050 77 4 far far RB en-wikipedia-org-9050 77 5 as as IN en-wikipedia-org-9050 77 6 most most JJS en-wikipedia-org-9050 77 7 layperson layperson NN en-wikipedia-org-9050 77 8 customers customer NNS en-wikipedia-org-9050 77 9 know know VBP en-wikipedia-org-9050 77 10 , , , en-wikipedia-org-9050 77 11 they -PRON- PRP en-wikipedia-org-9050 77 12 are be VBP en-wikipedia-org-9050 77 13 simply simply RB en-wikipedia-org-9050 77 14 dealing deal VBG en-wikipedia-org-9050 77 15 with with IN en-wikipedia-org-9050 77 16 GEICO GEICO NNP en-wikipedia-org-9050 77 17 . . . en-wikipedia-org-9050 78 1 Obviously obviously RB en-wikipedia-org-9050 78 2 , , , en-wikipedia-org-9050 78 3 it -PRON- PRP en-wikipedia-org-9050 78 4 is be VBZ en-wikipedia-org-9050 78 5 more more RBR en-wikipedia-org-9050 78 6 difficult difficult JJ en-wikipedia-org-9050 78 7 to to TO en-wikipedia-org-9050 78 8 operate operate VB en-wikipedia-org-9050 78 9 an an DT en-wikipedia-org-9050 78 10 insurance insurance NN en-wikipedia-org-9050 78 11 group group NN en-wikipedia-org-9050 78 12 than than IN en-wikipedia-org-9050 78 13 a a DT en-wikipedia-org-9050 78 14 single single JJ en-wikipedia-org-9050 78 15 insurance insurance NN en-wikipedia-org-9050 78 16 company company NN en-wikipedia-org-9050 78 17 , , , en-wikipedia-org-9050 78 18 since since IN en-wikipedia-org-9050 78 19 employees employee NNS en-wikipedia-org-9050 78 20 must must MD en-wikipedia-org-9050 78 21 be be VB en-wikipedia-org-9050 78 22 painstakingly painstakingly RB en-wikipedia-org-9050 78 23 trained train VBN en-wikipedia-org-9050 78 24 to to TO en-wikipedia-org-9050 78 25 observe observe VB en-wikipedia-org-9050 78 26 corporate corporate JJ en-wikipedia-org-9050 78 27 formalities formality NNS en-wikipedia-org-9050 78 28 so so IN en-wikipedia-org-9050 78 29 that that IN en-wikipedia-org-9050 78 30 courts court NNS en-wikipedia-org-9050 78 31 will will MD en-wikipedia-org-9050 78 32 not not RB en-wikipedia-org-9050 78 33 treat treat VB en-wikipedia-org-9050 78 34 the the DT en-wikipedia-org-9050 78 35 entities entity NNS en-wikipedia-org-9050 78 36 in in IN en-wikipedia-org-9050 78 37 the the DT en-wikipedia-org-9050 78 38 group group NN en-wikipedia-org-9050 78 39 as as IN en-wikipedia-org-9050 78 40 alter alter NN en-wikipedia-org-9050 78 41 egos ego NNS en-wikipedia-org-9050 78 42 of of IN en-wikipedia-org-9050 78 43 each each DT en-wikipedia-org-9050 78 44 other other JJ en-wikipedia-org-9050 78 45 . . . en-wikipedia-org-9050 79 1 For for IN en-wikipedia-org-9050 79 2 example example NN en-wikipedia-org-9050 79 3 , , , en-wikipedia-org-9050 79 4 all all DT en-wikipedia-org-9050 79 5 insurance insurance NN en-wikipedia-org-9050 79 6 policies policy NNS en-wikipedia-org-9050 79 7 and and CC en-wikipedia-org-9050 79 8 all all DT en-wikipedia-org-9050 79 9 claim claim NN en-wikipedia-org-9050 79 10 - - HYPH en-wikipedia-org-9050 79 11 related relate VBN en-wikipedia-org-9050 79 12 documents document NNS en-wikipedia-org-9050 79 13 must must MD en-wikipedia-org-9050 79 14 consistently consistently RB en-wikipedia-org-9050 79 15 reference reference VB en-wikipedia-org-9050 79 16 the the DT en-wikipedia-org-9050 79 17 relevant relevant JJ en-wikipedia-org-9050 79 18 company company NN en-wikipedia-org-9050 79 19 within within IN en-wikipedia-org-9050 79 20 the the DT en-wikipedia-org-9050 79 21 group group NN en-wikipedia-org-9050 79 22 , , , en-wikipedia-org-9050 79 23 and and CC en-wikipedia-org-9050 79 24 the the DT en-wikipedia-org-9050 79 25 flows flow NNS en-wikipedia-org-9050 79 26 of of IN en-wikipedia-org-9050 79 27 premiums premium NNS en-wikipedia-org-9050 79 28 and and CC en-wikipedia-org-9050 79 29 claim claim NN en-wikipedia-org-9050 79 30 payments payment NNS en-wikipedia-org-9050 79 31 must must MD en-wikipedia-org-9050 79 32 be be VB en-wikipedia-org-9050 79 33 carefully carefully RB en-wikipedia-org-9050 79 34 recorded record VBN en-wikipedia-org-9050 79 35 against against IN en-wikipedia-org-9050 79 36 the the DT en-wikipedia-org-9050 79 37 books book NNS en-wikipedia-org-9050 79 38 of of IN en-wikipedia-org-9050 79 39 the the DT en-wikipedia-org-9050 79 40 correct correct JJ en-wikipedia-org-9050 79 41 company company NN en-wikipedia-org-9050 79 42 . . . en-wikipedia-org-9050 80 1 The the DT en-wikipedia-org-9050 80 2 advantage advantage NN en-wikipedia-org-9050 80 3 of of IN en-wikipedia-org-9050 80 4 the the DT en-wikipedia-org-9050 80 5 insurance insurance NN en-wikipedia-org-9050 80 6 group group NN en-wikipedia-org-9050 80 7 system system NN en-wikipedia-org-9050 80 8 is be VBZ en-wikipedia-org-9050 80 9 that that IN en-wikipedia-org-9050 80 10 a a DT en-wikipedia-org-9050 80 11 group group NN en-wikipedia-org-9050 80 12 has have VBZ en-wikipedia-org-9050 80 13 increased increase VBN en-wikipedia-org-9050 80 14 survivability survivability NN en-wikipedia-org-9050 80 15 over over IN en-wikipedia-org-9050 80 16 the the DT en-wikipedia-org-9050 80 17 long long JJ en-wikipedia-org-9050 80 18 run run NN en-wikipedia-org-9050 80 19 than than IN en-wikipedia-org-9050 80 20 a a DT en-wikipedia-org-9050 80 21 single single JJ en-wikipedia-org-9050 80 22 insurance insurance NN en-wikipedia-org-9050 80 23 company company NN en-wikipedia-org-9050 80 24 . . . en-wikipedia-org-9050 81 1 If if IN en-wikipedia-org-9050 81 2 any any DT en-wikipedia-org-9050 81 3 one one CD en-wikipedia-org-9050 81 4 company company NN en-wikipedia-org-9050 81 5 in in IN en-wikipedia-org-9050 81 6 the the DT en-wikipedia-org-9050 81 7 group group NN en-wikipedia-org-9050 81 8 is be VBZ en-wikipedia-org-9050 81 9 hit hit VBN en-wikipedia-org-9050 81 10 with with IN en-wikipedia-org-9050 81 11 too too RB en-wikipedia-org-9050 81 12 many many JJ en-wikipedia-org-9050 81 13 claims claim NNS en-wikipedia-org-9050 81 14 and and CC en-wikipedia-org-9050 81 15 fails fail VBZ en-wikipedia-org-9050 81 16 , , , en-wikipedia-org-9050 81 17 the the DT en-wikipedia-org-9050 81 18 company company NN en-wikipedia-org-9050 81 19 can can MD en-wikipedia-org-9050 81 20 be be VB en-wikipedia-org-9050 81 21 quietly quietly RB en-wikipedia-org-9050 81 22 placed place VBN en-wikipedia-org-9050 81 23 into into IN en-wikipedia-org-9050 81 24 " " `` en-wikipedia-org-9050 81 25 runoff runoff NN en-wikipedia-org-9050 81 26 " " '' en-wikipedia-org-9050 81 27 ( ( -LRB- en-wikipedia-org-9050 81 28 in in IN en-wikipedia-org-9050 81 29 which which WDT en-wikipedia-org-9050 81 30 it -PRON- PRP en-wikipedia-org-9050 81 31 continues continue VBZ en-wikipedia-org-9050 81 32 to to TO en-wikipedia-org-9050 81 33 exist exist VB en-wikipedia-org-9050 81 34 only only RB en-wikipedia-org-9050 81 35 to to TO en-wikipedia-org-9050 81 36 process process VB en-wikipedia-org-9050 81 37 remaining remain VBG en-wikipedia-org-9050 81 38 claims claim NNS en-wikipedia-org-9050 81 39 and and CC en-wikipedia-org-9050 81 40 no no RB en-wikipedia-org-9050 81 41 longer longer RB en-wikipedia-org-9050 81 42 writes write VBZ en-wikipedia-org-9050 81 43 new new JJ en-wikipedia-org-9050 81 44 coverage coverage NN en-wikipedia-org-9050 81 45 ) ) -RRB- en-wikipedia-org-9050 81 46 but but CC en-wikipedia-org-9050 81 47 the the DT en-wikipedia-org-9050 81 48 rest rest NN en-wikipedia-org-9050 81 49 of of IN en-wikipedia-org-9050 81 50 the the DT en-wikipedia-org-9050 81 51 group group NN en-wikipedia-org-9050 81 52 continues continue VBZ en-wikipedia-org-9050 81 53 to to TO en-wikipedia-org-9050 81 54 operate operate VB en-wikipedia-org-9050 81 55 . . . en-wikipedia-org-9050 82 1 By by IN en-wikipedia-org-9050 82 2 way way NN en-wikipedia-org-9050 82 3 of of IN en-wikipedia-org-9050 82 4 contrast contrast NN en-wikipedia-org-9050 82 5 , , , en-wikipedia-org-9050 82 6 when when WRB en-wikipedia-org-9050 82 7 small small JJ en-wikipedia-org-9050 82 8 insurers insurer NNS en-wikipedia-org-9050 82 9 fail fail VBP en-wikipedia-org-9050 82 10 , , , en-wikipedia-org-9050 82 11 they -PRON- PRP en-wikipedia-org-9050 82 12 tend tend VBP en-wikipedia-org-9050 82 13 to to TO en-wikipedia-org-9050 82 14 do do VB en-wikipedia-org-9050 82 15 so so RB en-wikipedia-org-9050 82 16 in in IN en-wikipedia-org-9050 82 17 a a DT en-wikipedia-org-9050 82 18 rather rather RB en-wikipedia-org-9050 82 19 wild wild JJ en-wikipedia-org-9050 82 20 and and CC en-wikipedia-org-9050 82 21 spectacular spectacular JJ en-wikipedia-org-9050 82 22 fashion fashion NN en-wikipedia-org-9050 82 23 , , , en-wikipedia-org-9050 82 24 as as IN en-wikipedia-org-9050 82 25 was be VBD en-wikipedia-org-9050 82 26 often often RB en-wikipedia-org-9050 82 27 the the DT en-wikipedia-org-9050 82 28 case case NN en-wikipedia-org-9050 82 29 during during IN en-wikipedia-org-9050 82 30 the the DT en-wikipedia-org-9050 82 31 economic economic JJ en-wikipedia-org-9050 82 32 cycles cycle NNS en-wikipedia-org-9050 82 33 of of IN en-wikipedia-org-9050 82 34 the the DT en-wikipedia-org-9050 82 35 1970s 1970 NNS en-wikipedia-org-9050 82 36 and and CC en-wikipedia-org-9050 82 37 1980s 1980 NNS en-wikipedia-org-9050 82 38 . . . en-wikipedia-org-9050 83 1 Sometimes sometimes RB en-wikipedia-org-9050 83 2 the the DT en-wikipedia-org-9050 83 3 result result NN en-wikipedia-org-9050 83 4 may may MD en-wikipedia-org-9050 83 5 be be VB en-wikipedia-org-9050 83 6 a a DT en-wikipedia-org-9050 83 7 state state NN en-wikipedia-org-9050 83 8 - - HYPH en-wikipedia-org-9050 83 9 supervised supervise VBN en-wikipedia-org-9050 83 10 takeover takeover NN en-wikipedia-org-9050 83 11 by by IN en-wikipedia-org-9050 83 12 which which WDT en-wikipedia-org-9050 83 13 a a DT en-wikipedia-org-9050 83 14 state state NN en-wikipedia-org-9050 83 15 agency agency NN en-wikipedia-org-9050 83 16 may may MD en-wikipedia-org-9050 83 17 have have VB en-wikipedia-org-9050 83 18 to to TO en-wikipedia-org-9050 83 19 assume assume VB en-wikipedia-org-9050 83 20 part part NN en-wikipedia-org-9050 83 21 of of IN en-wikipedia-org-9050 83 22 their -PRON- PRP$ en-wikipedia-org-9050 83 23 residual residual JJ en-wikipedia-org-9050 83 24 liabilities liability NNS en-wikipedia-org-9050 83 25 . . . en-wikipedia-org-9050 84 1 Types[edit types[edit LS en-wikipedia-org-9050 84 2 ] ] -RRB- en-wikipedia-org-9050 84 3 A a DT en-wikipedia-org-9050 84 4 common common JJ en-wikipedia-org-9050 84 5 typology typology NN en-wikipedia-org-9050 84 6 of of IN en-wikipedia-org-9050 84 7 insurance insurance NN en-wikipedia-org-9050 84 8 in in IN en-wikipedia-org-9050 84 9 the the DT en-wikipedia-org-9050 84 10 United United NNP en-wikipedia-org-9050 84 11 States States NNP en-wikipedia-org-9050 84 12 is be VBZ en-wikipedia-org-9050 84 13 to to TO en-wikipedia-org-9050 84 14 divide divide VB en-wikipedia-org-9050 84 15 the the DT en-wikipedia-org-9050 84 16 industry industry NN en-wikipedia-org-9050 84 17 into into IN en-wikipedia-org-9050 84 18 life life NN en-wikipedia-org-9050 84 19 and and CC en-wikipedia-org-9050 84 20 health health NN en-wikipedia-org-9050 84 21 insurers insurer NNS en-wikipedia-org-9050 84 22 , , , en-wikipedia-org-9050 84 23 on on IN en-wikipedia-org-9050 84 24 the the DT en-wikipedia-org-9050 84 25 one one CD en-wikipedia-org-9050 84 26 hand hand NN en-wikipedia-org-9050 84 27 , , , en-wikipedia-org-9050 84 28 and and CC en-wikipedia-org-9050 84 29 property property NN en-wikipedia-org-9050 84 30 and and CC en-wikipedia-org-9050 84 31 casualty casualty NN en-wikipedia-org-9050 84 32 insurers insurer NNS en-wikipedia-org-9050 84 33 on on IN en-wikipedia-org-9050 84 34 the the DT en-wikipedia-org-9050 84 35 other other JJ en-wikipedia-org-9050 84 36 : : : en-wikipedia-org-9050 84 37 Life life NN en-wikipedia-org-9050 84 38 , , , en-wikipedia-org-9050 84 39 Health Health NNP en-wikipedia-org-9050 84 40 Health Health NNP en-wikipedia-org-9050 84 41 ( ( -LRB- en-wikipedia-org-9050 84 42 dental dental NNP en-wikipedia-org-9050 84 43 , , , en-wikipedia-org-9050 84 44 vision vision NN en-wikipedia-org-9050 84 45 , , , en-wikipedia-org-9050 84 46 medications medication NNS en-wikipedia-org-9050 84 47 , , , en-wikipedia-org-9050 84 48 others other NNS en-wikipedia-org-9050 84 49 ) ) -RRB- en-wikipedia-org-9050 84 50 Life life NN en-wikipedia-org-9050 84 51 ( ( -LRB- en-wikipedia-org-9050 84 52 long long JJ en-wikipedia-org-9050 84 53 - - HYPH en-wikipedia-org-9050 84 54 term term NN en-wikipedia-org-9050 84 55 care care NN en-wikipedia-org-9050 84 56 , , , en-wikipedia-org-9050 84 57 accidental accidental JJ en-wikipedia-org-9050 84 58 death death NN en-wikipedia-org-9050 84 59 and and CC en-wikipedia-org-9050 84 60 dismemberment dismemberment NN en-wikipedia-org-9050 84 61 , , , en-wikipedia-org-9050 84 62 hospital hospital NN en-wikipedia-org-9050 84 63 indemnity indemnity NN en-wikipedia-org-9050 84 64 ) ) -RRB- en-wikipedia-org-9050 84 65 Annuities annuity NNS en-wikipedia-org-9050 84 66 ( ( -LRB- en-wikipedia-org-9050 84 67 securities security NNS en-wikipedia-org-9050 84 68 ) ) -RRB- en-wikipedia-org-9050 84 69 Life Life NNP en-wikipedia-org-9050 84 70 and and CC en-wikipedia-org-9050 84 71 Annuities Annuities NNPS en-wikipedia-org-9050 84 72 Property Property NNP en-wikipedia-org-9050 84 73 and and CC en-wikipedia-org-9050 84 74 Casualty Casualty NNP en-wikipedia-org-9050 84 75 ( ( -LRB- en-wikipedia-org-9050 84 76 P P NNP en-wikipedia-org-9050 84 77 & & CC en-wikipedia-org-9050 84 78 C C NNP en-wikipedia-org-9050 84 79 ) ) -RRB- en-wikipedia-org-9050 84 80 Property Property NNP en-wikipedia-org-9050 84 81 ( ( -LRB- en-wikipedia-org-9050 84 82 flood flood NN en-wikipedia-org-9050 84 83 , , , en-wikipedia-org-9050 84 84 earthquake earthquake NN en-wikipedia-org-9050 84 85 , , , en-wikipedia-org-9050 84 86 home home NN en-wikipedia-org-9050 84 87 , , , en-wikipedia-org-9050 84 88 auto auto NN en-wikipedia-org-9050 84 89 , , , en-wikipedia-org-9050 84 90 fire fire NN en-wikipedia-org-9050 84 91 , , , en-wikipedia-org-9050 84 92 boiler boiler NN en-wikipedia-org-9050 84 93 , , , en-wikipedia-org-9050 84 94 title title NN en-wikipedia-org-9050 84 95 , , , en-wikipedia-org-9050 84 96 pet pet NN en-wikipedia-org-9050 84 97 ) ) -RRB- en-wikipedia-org-9050 84 98 Casualty casualty NN en-wikipedia-org-9050 84 99 ( ( -LRB- en-wikipedia-org-9050 84 100 errors error NNS en-wikipedia-org-9050 84 101 and and CC en-wikipedia-org-9050 84 102 omissions omission NNS en-wikipedia-org-9050 84 103 , , , en-wikipedia-org-9050 84 104 workers worker NNS en-wikipedia-org-9050 84 105 ' ' POS en-wikipedia-org-9050 84 106 compensation compensation NN en-wikipedia-org-9050 84 107 , , , en-wikipedia-org-9050 84 108 disability disability NN en-wikipedia-org-9050 84 109 , , , en-wikipedia-org-9050 84 110 liability liability NN en-wikipedia-org-9050 84 111 ) ) -RRB- en-wikipedia-org-9050 84 112 Reinsurance reinsurance NN en-wikipedia-org-9050 84 113 is be VBZ en-wikipedia-org-9050 84 114 usually usually RB en-wikipedia-org-9050 84 115 treated treat VBN en-wikipedia-org-9050 84 116 as as IN en-wikipedia-org-9050 84 117 a a DT en-wikipedia-org-9050 84 118 separate separate JJ en-wikipedia-org-9050 84 119 category category NN en-wikipedia-org-9050 84 120 from from IN en-wikipedia-org-9050 84 121 the the DT en-wikipedia-org-9050 84 122 above above JJ en-wikipedia-org-9050 84 123 types type NNS en-wikipedia-org-9050 84 124 . . . en-wikipedia-org-9050 85 1 Institutions[edit institutions[edit LS en-wikipedia-org-9050 85 2 ] ] -RRB- en-wikipedia-org-9050 85 3 Various various JJ en-wikipedia-org-9050 85 4 associations association NNS en-wikipedia-org-9050 85 5 , , , en-wikipedia-org-9050 85 6 government government NN en-wikipedia-org-9050 85 7 agencies agency NNS en-wikipedia-org-9050 85 8 , , , en-wikipedia-org-9050 85 9 and and CC en-wikipedia-org-9050 85 10 companies company NNS en-wikipedia-org-9050 85 11 serve serve VBP en-wikipedia-org-9050 85 12 the the DT en-wikipedia-org-9050 85 13 insurance insurance NN en-wikipedia-org-9050 85 14 industry industry NN en-wikipedia-org-9050 85 15 in in IN en-wikipedia-org-9050 85 16 the the DT en-wikipedia-org-9050 85 17 United United NNP en-wikipedia-org-9050 85 18 States States NNP en-wikipedia-org-9050 85 19 . . . en-wikipedia-org-9050 86 1 The the DT en-wikipedia-org-9050 86 2 National National NNP en-wikipedia-org-9050 86 3 Association Association NNP en-wikipedia-org-9050 86 4 of of IN en-wikipedia-org-9050 86 5 Insurance Insurance NNP en-wikipedia-org-9050 86 6 Commissioners Commissioners NNP en-wikipedia-org-9050 86 7 provides provide VBZ en-wikipedia-org-9050 86 8 models model NNS en-wikipedia-org-9050 86 9 for for IN en-wikipedia-org-9050 86 10 standard standard JJ en-wikipedia-org-9050 86 11 state state NN en-wikipedia-org-9050 86 12 insurance insurance NN en-wikipedia-org-9050 86 13 law law NN en-wikipedia-org-9050 86 14 , , , en-wikipedia-org-9050 86 15 and and CC en-wikipedia-org-9050 86 16 provides provide VBZ en-wikipedia-org-9050 86 17 services service NNS en-wikipedia-org-9050 86 18 for for IN en-wikipedia-org-9050 86 19 its -PRON- PRP$ en-wikipedia-org-9050 86 20 members member NNS en-wikipedia-org-9050 86 21 , , , en-wikipedia-org-9050 86 22 which which WDT en-wikipedia-org-9050 86 23 are be VBP en-wikipedia-org-9050 86 24 the the DT en-wikipedia-org-9050 86 25 state state NN en-wikipedia-org-9050 86 26 insurance insurance NN en-wikipedia-org-9050 86 27 departments department NNS en-wikipedia-org-9050 86 28 or or CC en-wikipedia-org-9050 86 29 divisions division NNS en-wikipedia-org-9050 86 30 . . . en-wikipedia-org-9050 87 1 Many many JJ en-wikipedia-org-9050 87 2 insurance insurance NN en-wikipedia-org-9050 87 3 providers provider NNS en-wikipedia-org-9050 87 4 use use VBP en-wikipedia-org-9050 87 5 the the DT en-wikipedia-org-9050 87 6 Insurance Insurance NNP en-wikipedia-org-9050 87 7 Services Services NNPS en-wikipedia-org-9050 87 8 Office Office NNP en-wikipedia-org-9050 87 9 , , , en-wikipedia-org-9050 87 10 which which WDT en-wikipedia-org-9050 87 11 produces produce VBZ en-wikipedia-org-9050 87 12 standard standard JJ en-wikipedia-org-9050 87 13 policy policy NN en-wikipedia-org-9050 87 14 forms form NNS en-wikipedia-org-9050 87 15 and and CC en-wikipedia-org-9050 87 16 rating rating NN en-wikipedia-org-9050 87 17 loss loss NN en-wikipedia-org-9050 87 18 costs cost NNS en-wikipedia-org-9050 87 19 and and CC en-wikipedia-org-9050 87 20 then then RB en-wikipedia-org-9050 87 21 submits submit VBZ en-wikipedia-org-9050 87 22 these these DT en-wikipedia-org-9050 87 23 documents document NNS en-wikipedia-org-9050 87 24 on on IN en-wikipedia-org-9050 87 25 the the DT en-wikipedia-org-9050 87 26 behalf behalf NN en-wikipedia-org-9050 87 27 of of IN en-wikipedia-org-9050 87 28 member member NN en-wikipedia-org-9050 87 29 insurers insurer NNS en-wikipedia-org-9050 87 30 to to IN en-wikipedia-org-9050 87 31 the the DT en-wikipedia-org-9050 87 32 state state NN en-wikipedia-org-9050 87 33 insurance insurance NN en-wikipedia-org-9050 87 34 departments department NNS en-wikipedia-org-9050 87 35 or or CC en-wikipedia-org-9050 87 36 divisions division NNS en-wikipedia-org-9050 87 37 . . . en-wikipedia-org-9050 88 1 See see VB en-wikipedia-org-9050 88 2 also[edit also[edit LS en-wikipedia-org-9050 88 3 ] ] -RRB- en-wikipedia-org-9050 88 4 Other other JJ en-wikipedia-org-9050 88 5 US US NNP en-wikipedia-org-9050 88 6 insurance insurance NN en-wikipedia-org-9050 88 7 topics topic NNS en-wikipedia-org-9050 88 8 : : : en-wikipedia-org-9050 88 9 Health health NN en-wikipedia-org-9050 88 10 insurance insurance NN en-wikipedia-org-9050 88 11 in in IN en-wikipedia-org-9050 88 12 the the DT en-wikipedia-org-9050 88 13 United United NNP en-wikipedia-org-9050 88 14 States States NNP en-wikipedia-org-9050 88 15 Insurance Insurance NNP en-wikipedia-org-9050 88 16 Regulatory Regulatory NNP en-wikipedia-org-9050 88 17 Information Information NNP en-wikipedia-org-9050 88 18 System System NNP en-wikipedia-org-9050 88 19 McCarran McCarran NNP en-wikipedia-org-9050 88 20 - - HYPH en-wikipedia-org-9050 88 21 Ferguson Ferguson NNP en-wikipedia-org-9050 88 22 Act Act NNP en-wikipedia-org-9050 88 23 National National NNP en-wikipedia-org-9050 88 24 Association Association NNP en-wikipedia-org-9050 88 25 of of IN en-wikipedia-org-9050 88 26 Insurance Insurance NNP en-wikipedia-org-9050 88 27 Commissioners Commissioners NNPS en-wikipedia-org-9050 88 28 General General NNP en-wikipedia-org-9050 88 29 insurance insurance NN en-wikipedia-org-9050 88 30 topics topic NNS en-wikipedia-org-9050 88 31 : : : en-wikipedia-org-9050 88 32 Travel travel NN en-wikipedia-org-9050 88 33 insurance insurance NN en-wikipedia-org-9050 88 34 Casualty Casualty NNP en-wikipedia-org-9050 88 35 insurance insurance NN en-wikipedia-org-9050 88 36 Health Health NNP en-wikipedia-org-9050 88 37 insurance insurance NN en-wikipedia-org-9050 88 38 History history NN en-wikipedia-org-9050 88 39 of of IN en-wikipedia-org-9050 88 40 insurance insurance NN en-wikipedia-org-9050 88 41 Insurance Insurance NNP en-wikipedia-org-9050 88 42 Life Life NNP en-wikipedia-org-9050 88 43 insurance insurance NN en-wikipedia-org-9050 88 44 References[edit references[edit NN en-wikipedia-org-9050 88 45 ] ] -RRB- en-wikipedia-org-9050 88 46 ^ ^ FW en-wikipedia-org-9050 88 47 a a DT en-wikipedia-org-9050 88 48 b b NN en-wikipedia-org-9050 88 49 Federal Federal NNP en-wikipedia-org-9050 88 50 Insurance Insurance NNP en-wikipedia-org-9050 88 51 Office Office NNP en-wikipedia-org-9050 88 52 ( ( -LRB- en-wikipedia-org-9050 88 53 2014 2014 CD en-wikipedia-org-9050 88 54 ) ) -RRB- en-wikipedia-org-9050 88 55 . . . en-wikipedia-org-9050 89 1 Annual Annual NNP en-wikipedia-org-9050 89 2 Report Report NNP en-wikipedia-org-9050 89 3 on on IN en-wikipedia-org-9050 89 4 the the DT en-wikipedia-org-9050 89 5 Insurance Insurance NNP en-wikipedia-org-9050 89 6 Industry Industry NNP en-wikipedia-org-9050 89 7 ( ( -LRB- en-wikipedia-org-9050 89 8 PDF PDF NNP en-wikipedia-org-9050 89 9 ) ) -RRB- en-wikipedia-org-9050 89 10 . . . en-wikipedia-org-9050 90 1 Washington Washington NNP en-wikipedia-org-9050 90 2 , , , en-wikipedia-org-9050 90 3 D.C. D.C. NNP en-wikipedia-org-9050 90 4 : : : en-wikipedia-org-9050 90 5 U.S. U.S. NNP en-wikipedia-org-9050 90 6 Department Department NNP en-wikipedia-org-9050 90 7 of of IN en-wikipedia-org-9050 90 8 the the DT en-wikipedia-org-9050 90 9 Treasury Treasury NNP en-wikipedia-org-9050 90 10 . . . en-wikipedia-org-9050 91 1 p. p. NN en-wikipedia-org-9050 91 2   _SP en-wikipedia-org-9050 91 3 45 45 CD en-wikipedia-org-9050 91 4 . . . en-wikipedia-org-9050 92 1 ^ ^ NNP en-wikipedia-org-9050 92 2 Black Black NNP en-wikipedia-org-9050 92 3 's 's POS en-wikipedia-org-9050 92 4 Law Law NNP en-wikipedia-org-9050 92 5 Dictionary Dictionary NNP en-wikipedia-org-9050 92 6 ; ; : en-wikipedia-org-9050 92 7 Sixth Sixth NNP en-wikipedia-org-9050 92 8 Edition Edition NNP en-wikipedia-org-9050 92 9 ; ; : en-wikipedia-org-9050 92 10 Insurance insurance NN en-wikipedia-org-9050 92 11 ; ; : en-wikipedia-org-9050 92 12 p. p. NN en-wikipedia-org-9050 92 13 802 802 CD en-wikipedia-org-9050 92 14 . . . en-wikipedia-org-9050 93 1 ^ ^ FW en-wikipedia-org-9050 93 2 " " `` en-wikipedia-org-9050 93 3 Insurance insurance NN en-wikipedia-org-9050 93 4 : : : en-wikipedia-org-9050 93 5 Defined define VBN en-wikipedia-org-9050 93 6 " " '' en-wikipedia-org-9050 93 7 . . . en-wikipedia-org-9050 94 1 Insurance Insurance NNP en-wikipedia-org-9050 94 2 Regulatory Regulatory NNP en-wikipedia-org-9050 94 3 Law Law NNP en-wikipedia-org-9050 94 4 . . . en-wikipedia-org-9050 95 1 Archived archived JJ en-wikipedia-org-9050 95 2 from from IN en-wikipedia-org-9050 95 3 the the DT en-wikipedia-org-9050 95 4 original original NN en-wikipedia-org-9050 95 5 on on IN en-wikipedia-org-9050 95 6 24 24 CD en-wikipedia-org-9050 95 7 March March NNP en-wikipedia-org-9050 95 8 2012 2012 CD en-wikipedia-org-9050 95 9 . . . en-wikipedia-org-9050 96 1 ^ ^ NNP en-wikipedia-org-9050 96 2 a a DT en-wikipedia-org-9050 96 3 b b NNP en-wikipedia-org-9050 96 4 Insurance Insurance NNP en-wikipedia-org-9050 96 5 ; ; : en-wikipedia-org-9050 96 6 The the DT en-wikipedia-org-9050 96 7 History history NN en-wikipedia-org-9050 96 8 of of IN en-wikipedia-org-9050 96 9 Insurance Insurance NNP en-wikipedia-org-9050 96 10 , , , en-wikipedia-org-9050 96 11 Columbia Columbia NNP en-wikipedia-org-9050 96 12 Electronic Electronic NNP en-wikipedia-org-9050 96 13 Encyclopedia Encyclopedia NNP en-wikipedia-org-9050 96 14 ; ; : en-wikipedia-org-9050 96 15 6th 6th JJ en-wikipedia-org-9050 96 16 Ed Ed NNP en-wikipedia-org-9050 96 17 . . . en-wikipedia-org-9050 97 1 ^ ^ NFP en-wikipedia-org-9050 97 2 Insurance Insurance NNP en-wikipedia-org-9050 97 3 Handbook Handbook NNP en-wikipedia-org-9050 97 4 ; ; : en-wikipedia-org-9050 97 5 Insurance Insurance NNP en-wikipedia-org-9050 97 6 Information Information NNP en-wikipedia-org-9050 97 7 Institute Institute NNP en-wikipedia-org-9050 97 8 ( ( -LRB- en-wikipedia-org-9050 97 9 2010 2010 CD en-wikipedia-org-9050 97 10 ) ) -RRB- en-wikipedia-org-9050 97 11 . . . en-wikipedia-org-9050 98 1 ^ ^ NFP en-wikipedia-org-9050 98 2 Company company NN en-wikipedia-org-9050 98 3 History history NN en-wikipedia-org-9050 98 4 ; ; : en-wikipedia-org-9050 98 5 The the DT en-wikipedia-org-9050 98 6 Philadelphia Philadelphia NNP en-wikipedia-org-9050 98 7 Contributorship Contributorship NNP en-wikipedia-org-9050 98 8 . . . en-wikipedia-org-9050 99 1 ^ ^ NNP en-wikipedia-org-9050 99 2 Stempel Stempel NNP en-wikipedia-org-9050 99 3 , , , en-wikipedia-org-9050 99 4 Jeffery Jeffery NNP en-wikipedia-org-9050 99 5 W. W. NNP en-wikipedia-org-9050 99 6 ( ( -LRB- en-wikipedia-org-9050 99 7 2007 2007 CD en-wikipedia-org-9050 99 8 ) ) -RRB- en-wikipedia-org-9050 99 9 . . . en-wikipedia-org-9050 100 1 Stemple Stemple NNP en-wikipedia-org-9050 100 2 on on IN en-wikipedia-org-9050 100 3 Insurance Insurance NNP en-wikipedia-org-9050 100 4 Contracts Contracts NNP en-wikipedia-org-9050 100 5 , , , en-wikipedia-org-9050 100 6 Vol Vol NNP en-wikipedia-org-9050 100 7 . . . en-wikipedia-org-9050 101 1 1 1 CD en-wikipedia-org-9050 101 2 , , , en-wikipedia-org-9050 101 3 § § CD en-wikipedia-org-9050 101 4 2.07 2.07 CD en-wikipedia-org-9050 101 5 , , , en-wikipedia-org-9050 101 6 3rd 3rd NNP en-wikipedia-org-9050 101 7 Ed Ed NNP en-wikipedia-org-9050 101 8 . . . en-wikipedia-org-9050 102 1 ^ ^ NNP en-wikipedia-org-9050 102 2 Mayhall Mayhall NNP en-wikipedia-org-9050 102 3 , , , en-wikipedia-org-9050 102 4 Van Van NNP en-wikipedia-org-9050 102 5 , , , en-wikipedia-org-9050 102 6 III III NNP en-wikipedia-org-9050 102 7 , , , en-wikipedia-org-9050 102 8 The the DT en-wikipedia-org-9050 102 9 Origins Origins NNPS en-wikipedia-org-9050 102 10 and and CC en-wikipedia-org-9050 102 11 History history NN en-wikipedia-org-9050 102 12 of of IN en-wikipedia-org-9050 102 13 Insurance Insurance NNP en-wikipedia-org-9050 102 14 , , , en-wikipedia-org-9050 102 15 Part Part NNP en-wikipedia-org-9050 102 16 II II NNP en-wikipedia-org-9050 102 17 : : : en-wikipedia-org-9050 102 18 The the DT en-wikipedia-org-9050 102 19 History history NN en-wikipedia-org-9050 102 20 of of IN en-wikipedia-org-9050 102 21 Insurance Insurance NNP en-wikipedia-org-9050 102 22 in in IN en-wikipedia-org-9050 102 23 America America NNP en-wikipedia-org-9050 102 24 , , , en-wikipedia-org-9050 102 25 Insurance Insurance NNP en-wikipedia-org-9050 102 26 Regulatory Regulatory NNP en-wikipedia-org-9050 102 27 Law Law NNP en-wikipedia-org-9050 102 28 . . . en-wikipedia-org-9050 103 1 Retrieved retrieve VBN en-wikipedia-org-9050 103 2 2011 2011 CD en-wikipedia-org-9050 103 3 - - SYM en-wikipedia-org-9050 103 4 06 06 CD en-wikipedia-org-9050 103 5 - - HYPH en-wikipedia-org-9050 103 6 10 10 CD en-wikipedia-org-9050 103 7 . . . en-wikipedia-org-9050 104 1 ^ ^ NFP en-wikipedia-org-9050 104 2 Insurance Insurance NNP en-wikipedia-org-9050 104 3 Regulation Regulation NNP en-wikipedia-org-9050 104 4 in in IN en-wikipedia-org-9050 104 5 the the DT en-wikipedia-org-9050 104 6 United United NNP en-wikipedia-org-9050 104 7 States States NNP en-wikipedia-org-9050 104 8 : : : en-wikipedia-org-9050 104 9 Regulatory Regulatory NNP en-wikipedia-org-9050 104 10 Federalism Federalism NNP en-wikipedia-org-9050 104 11 and and CC en-wikipedia-org-9050 104 12 the the DT en-wikipedia-org-9050 104 13 National National NNP en-wikipedia-org-9050 104 14 Association Association NNP en-wikipedia-org-9050 104 15 of of IN en-wikipedia-org-9050 104 16 Insurance Insurance NNP en-wikipedia-org-9050 104 17 Commissioners Commissioners NNPS en-wikipedia-org-9050 104 18 ; ; : en-wikipedia-org-9050 104 19 Susan Susan NNP en-wikipedia-org-9050 104 20 Randall Randall NNP en-wikipedia-org-9050 104 21 ; ; : en-wikipedia-org-9050 104 22 Florida Florida NNP en-wikipedia-org-9050 104 23 State State NNP en-wikipedia-org-9050 104 24 University University NNP en-wikipedia-org-9050 104 25 Law Law NNP en-wikipedia-org-9050 104 26 Review Review NNP en-wikipedia-org-9050 104 27 , , , en-wikipedia-org-9050 104 28 Vol Vol NNP en-wikipedia-org-9050 104 29 . . . en-wikipedia-org-9050 105 1 26:625 26:625 CD en-wikipedia-org-9050 105 2 , , , en-wikipedia-org-9050 105 3 1999 1999 CD en-wikipedia-org-9050 105 4 ^ ^ NN en-wikipedia-org-9050 105 5 Stempel Stempel NNP en-wikipedia-org-9050 105 6 , , , en-wikipedia-org-9050 105 7 Jeffrey Jeffrey NNP en-wikipedia-org-9050 105 8 W. W. NNP en-wikipedia-org-9050 105 9 ( ( -LRB- en-wikipedia-org-9050 105 10 2007 2007 CD en-wikipedia-org-9050 105 11 ) ) -RRB- en-wikipedia-org-9050 105 12 . . . en-wikipedia-org-9050 106 1 Stemple Stemple NNP en-wikipedia-org-9050 106 2 on on IN en-wikipedia-org-9050 106 3 Insurance Insurance NNP en-wikipedia-org-9050 106 4 Contracts Contracts NNP en-wikipedia-org-9050 106 5 , , , en-wikipedia-org-9050 106 6 Vol Vol NNP en-wikipedia-org-9050 106 7 . . . en-wikipedia-org-9050 107 1 1 1 CD en-wikipedia-org-9050 107 2 , , , en-wikipedia-org-9050 107 3 § § CD en-wikipedia-org-9050 107 4 2.07 2.07 CD en-wikipedia-org-9050 107 5 , , , en-wikipedia-org-9050 107 6 3rd 3rd NNP en-wikipedia-org-9050 107 7 Ed Ed NNP en-wikipedia-org-9050 107 8 . . . en-wikipedia-org-9050 108 1 ^ ^ NNP en-wikipedia-org-9050 108 2 Mayhall Mayhall NNP en-wikipedia-org-9050 108 3 , , , en-wikipedia-org-9050 108 4 Van Van NNP en-wikipedia-org-9050 108 5 , , , en-wikipedia-org-9050 108 6 III III NNP en-wikipedia-org-9050 108 7 . . . en-wikipedia-org-9050 109 1 " " `` en-wikipedia-org-9050 109 2 A a DT en-wikipedia-org-9050 109 3 Brief brief JJ en-wikipedia-org-9050 109 4 Chronicle Chronicle NNP en-wikipedia-org-9050 109 5 of of IN en-wikipedia-org-9050 109 6 Insurance Insurance NNP en-wikipedia-org-9050 109 7 Regulation Regulation NNP en-wikipedia-org-9050 109 8 in in IN en-wikipedia-org-9050 109 9 the the DT en-wikipedia-org-9050 109 10 United United NNP en-wikipedia-org-9050 109 11 States States NNP en-wikipedia-org-9050 109 12 , , , en-wikipedia-org-9050 109 13 Part Part NNP en-wikipedia-org-9050 109 14 I -PRON- PRP en-wikipedia-org-9050 109 15 : : : en-wikipedia-org-9050 109 16 From from IN en-wikipedia-org-9050 109 17 De De NNP en-wikipedia-org-9050 109 18 Facto Facto NNP en-wikipedia-org-9050 109 19 Judicial Judicial NNP en-wikipedia-org-9050 109 20 Regulation Regulation NNP en-wikipedia-org-9050 109 21 to to IN en-wikipedia-org-9050 109 22 South South NNP en-wikipedia-org-9050 109 23 - - HYPH en-wikipedia-org-9050 109 24 Eastern Eastern NNP en-wikipedia-org-9050 109 25 Underwriters Underwriters NNPS en-wikipedia-org-9050 109 26 Ass'n ass'n ADD en-wikipedia-org-9050 109 27 " " '' en-wikipedia-org-9050 109 28 . . . en-wikipedia-org-9050 110 1 Insurance Insurance NNP en-wikipedia-org-9050 110 2 Regulatory Regulatory NNP en-wikipedia-org-9050 110 3 Law Law NNP en-wikipedia-org-9050 110 4 . . . en-wikipedia-org-9050 111 1 Archived archived JJ en-wikipedia-org-9050 111 2 from from IN en-wikipedia-org-9050 111 3 the the DT en-wikipedia-org-9050 111 4 original original NN en-wikipedia-org-9050 111 5 on on IN en-wikipedia-org-9050 111 6 13 13 CD en-wikipedia-org-9050 111 7 January January NNP en-wikipedia-org-9050 111 8 2013 2013 CD en-wikipedia-org-9050 111 9 . . . en-wikipedia-org-9050 112 1 ^ ^ NNP en-wikipedia-org-9050 112 2 See see UH en-wikipedia-org-9050 112 3 , , , en-wikipedia-org-9050 112 4 for for IN en-wikipedia-org-9050 112 5 example example NN en-wikipedia-org-9050 112 6 : : : en-wikipedia-org-9050 112 7 Brown Brown NNP en-wikipedia-org-9050 112 8 , , , en-wikipedia-org-9050 112 9 Elizabeth Elizabeth NNP en-wikipedia-org-9050 112 10 F. F. NNP en-wikipedia-org-9050 112 11 ( ( -LRB- en-wikipedia-org-9050 112 12 2007 2007 CD en-wikipedia-org-9050 112 13 ) ) -RRB- en-wikipedia-org-9050 112 14 . . . en-wikipedia-org-9050 113 1 The the DT en-wikipedia-org-9050 113 2 Fatal Fatal NNP en-wikipedia-org-9050 113 3 Flaw Flaw NNP en-wikipedia-org-9050 113 4 of of IN en-wikipedia-org-9050 113 5 Proposals Proposals NNPS en-wikipedia-org-9050 113 6 to to TO en-wikipedia-org-9050 113 7 Federalize Federalize NNP en-wikipedia-org-9050 113 8 Insurance Insurance NNP en-wikipedia-org-9050 113 9 Regulation Regulation NNP en-wikipedia-org-9050 113 10 , , , en-wikipedia-org-9050 113 11 from from IN en-wikipedia-org-9050 113 12 the the DT en-wikipedia-org-9050 113 13 SelectedWorks SelectedWorks NNP en-wikipedia-org-9050 113 14 of of IN en-wikipedia-org-9050 113 15 Elizabeth Elizabeth NNP en-wikipedia-org-9050 113 16 F. F. NNP en-wikipedia-org-9050 113 17 Brown Brown NNP en-wikipedia-org-9050 113 18 , , , en-wikipedia-org-9050 113 19 Georgia Georgia NNP en-wikipedia-org-9050 113 20 State State NNP en-wikipedia-org-9050 113 21 University University NNP en-wikipedia-org-9050 113 22 . . . en-wikipedia-org-9050 114 1 ^ ^ NNP en-wikipedia-org-9050 114 2 United United NNP en-wikipedia-org-9050 114 3 States States NNP en-wikipedia-org-9050 114 4 v. v. CC en-wikipedia-org-9050 114 5 South South NNP en-wikipedia-org-9050 114 6 - - HYPH en-wikipedia-org-9050 114 7 Eastern Eastern NNP en-wikipedia-org-9050 114 8 Underwriters Underwriters NNPS en-wikipedia-org-9050 114 9 Association Association NNP en-wikipedia-org-9050 114 10 , , , en-wikipedia-org-9050 114 11 322 322 CD en-wikipedia-org-9050 114 12 U.S. U.S. NNP en-wikipedia-org-9050 114 13 533 533 CD en-wikipedia-org-9050 114 14 ( ( -LRB- en-wikipedia-org-9050 114 15 1944 1944 CD en-wikipedia-org-9050 114 16 ) ) -RRB- en-wikipedia-org-9050 114 17 . . . en-wikipedia-org-9050 115 1 ^ ^ XX en-wikipedia-org-9050 115 2 The the DT en-wikipedia-org-9050 115 3 McCarran McCarran NNP en-wikipedia-org-9050 115 4 – – : en-wikipedia-org-9050 115 5 Ferguson Ferguson NNP en-wikipedia-org-9050 115 6 Act Act NNP en-wikipedia-org-9050 115 7 , , , en-wikipedia-org-9050 115 8 15 15 CD en-wikipedia-org-9050 115 9 U.S.C. U.S.C. NNP en-wikipedia-org-9050 116 1 § § ADD en-wikipedia-org-9050 116 2 § § CD en-wikipedia-org-9050 116 3 1011–1015 1011–1015 CD en-wikipedia-org-9050 116 4 . . . en-wikipedia-org-9050 117 1 ^ ^ XX en-wikipedia-org-9050 117 2 The the DT en-wikipedia-org-9050 117 3 McCarran McCarran NNP en-wikipedia-org-9050 117 4 – – : en-wikipedia-org-9050 117 5 Ferguson Ferguson NNP en-wikipedia-org-9050 117 6 Act Act NNP en-wikipedia-org-9050 117 7 , , , en-wikipedia-org-9050 117 8 15 15 CD en-wikipedia-org-9050 117 9 U.S.C. U.S.C. NNP en-wikipedia-org-9050 118 1 § § ADD en-wikipedia-org-9050 118 2 § § ADD en-wikipedia-org-9050 118 3 1011–1012 1011–1012 CD en-wikipedia-org-9050 118 4 ^ ^ NN en-wikipedia-org-9050 118 5 a a DT en-wikipedia-org-9050 118 6 b b NN en-wikipedia-org-9050 118 7 c c NNP en-wikipedia-org-9050 118 8 d d NN en-wikipedia-org-9050 118 9 Mayhall Mayhall NNP en-wikipedia-org-9050 118 10 , , , en-wikipedia-org-9050 118 11 Van Van NNP en-wikipedia-org-9050 118 12 , , , en-wikipedia-org-9050 118 13 III III NNP en-wikipedia-org-9050 118 14 . . . en-wikipedia-org-9050 119 1 " " `` en-wikipedia-org-9050 119 2 A a DT en-wikipedia-org-9050 119 3 Brief brief JJ en-wikipedia-org-9050 119 4 Chronicle Chronicle NNP en-wikipedia-org-9050 119 5 of of IN en-wikipedia-org-9050 119 6 Insurance Insurance NNP en-wikipedia-org-9050 119 7 Regulation Regulation NNP en-wikipedia-org-9050 119 8 in in IN en-wikipedia-org-9050 119 9 the the DT en-wikipedia-org-9050 119 10 United United NNP en-wikipedia-org-9050 119 11 States States NNP en-wikipedia-org-9050 119 12 , , , en-wikipedia-org-9050 119 13 Part Part NNP en-wikipedia-org-9050 119 14 II II NNP en-wikipedia-org-9050 119 15 : : : en-wikipedia-org-9050 119 16 From from IN en-wikipedia-org-9050 119 17 McCarran McCarran NNP en-wikipedia-org-9050 119 18 - - HYPH en-wikipedia-org-9050 119 19 Ferguson Ferguson NNP en-wikipedia-org-9050 119 20 to to IN en-wikipedia-org-9050 119 21 Dodd Dodd NNP en-wikipedia-org-9050 119 22 - - HYPH en-wikipedia-org-9050 119 23 Frank Frank NNP en-wikipedia-org-9050 119 24 " " '' en-wikipedia-org-9050 119 25 . . . en-wikipedia-org-9050 120 1 Insurance Insurance NNP en-wikipedia-org-9050 120 2 Regulatory Regulatory NNP en-wikipedia-org-9050 120 3 Law Law NNP en-wikipedia-org-9050 120 4 . . . en-wikipedia-org-9050 121 1 Archived archived JJ en-wikipedia-org-9050 121 2 from from IN en-wikipedia-org-9050 121 3 the the DT en-wikipedia-org-9050 121 4 original original NN en-wikipedia-org-9050 121 5 on on IN en-wikipedia-org-9050 121 6 20 20 CD en-wikipedia-org-9050 121 7 January January NNP en-wikipedia-org-9050 121 8 2013 2013 CD en-wikipedia-org-9050 121 9 . . . en-wikipedia-org-9050 122 1 ^ ^ NNP en-wikipedia-org-9050 122 2 Brown Brown NNP en-wikipedia-org-9050 122 3 , , , en-wikipedia-org-9050 122 4 Elizabeth Elizabeth NNP en-wikipedia-org-9050 122 5 F. F. NNP en-wikipedia-org-9050 122 6 ( ( -LRB- en-wikipedia-org-9050 122 7 2007 2007 CD en-wikipedia-org-9050 122 8 ) ) -RRB- en-wikipedia-org-9050 122 9 . . . en-wikipedia-org-9050 123 1 The the DT en-wikipedia-org-9050 123 2 Fatal Fatal NNP en-wikipedia-org-9050 123 3 Flaw Flaw NNP en-wikipedia-org-9050 123 4 of of IN en-wikipedia-org-9050 123 5 Proposals Proposals NNPS en-wikipedia-org-9050 123 6 to to TO en-wikipedia-org-9050 123 7 Federalize Federalize NNP en-wikipedia-org-9050 123 8 Insurance Insurance NNP en-wikipedia-org-9050 123 9 Regulation Regulation NNP en-wikipedia-org-9050 123 10 , , , en-wikipedia-org-9050 123 11 from from IN en-wikipedia-org-9050 123 12 the the DT en-wikipedia-org-9050 123 13 SelectedWorks SelectedWorks NNP en-wikipedia-org-9050 123 14 of of IN en-wikipedia-org-9050 123 15 Elizabeth Elizabeth NNP en-wikipedia-org-9050 123 16 F. F. NNP en-wikipedia-org-9050 123 17 Brown Brown NNP en-wikipedia-org-9050 123 18 , , , en-wikipedia-org-9050 123 19 Georgia Georgia NNP en-wikipedia-org-9050 123 20 State State NNP en-wikipedia-org-9050 123 21 University University NNP en-wikipedia-org-9050 123 22 . . . en-wikipedia-org-9050 124 1 ^ ^ NNP en-wikipedia-org-9050 124 2 Federal Federal NNP en-wikipedia-org-9050 124 3 Insurance Insurance NNP en-wikipedia-org-9050 124 4 Office Office NNP en-wikipedia-org-9050 124 5 ( ( -LRB- en-wikipedia-org-9050 124 6 2013 2013 CD en-wikipedia-org-9050 124 7 ) ) -RRB- en-wikipedia-org-9050 124 8 . . . en-wikipedia-org-9050 125 1 How how WRB en-wikipedia-org-9050 125 2 To to IN en-wikipedia-org-9050 125 3 Modernize Modernize NNP en-wikipedia-org-9050 125 4 And and CC en-wikipedia-org-9050 125 5 Improve improve VB en-wikipedia-org-9050 125 6 The the DT en-wikipedia-org-9050 125 7 System System NNP en-wikipedia-org-9050 125 8 of of IN en-wikipedia-org-9050 125 9 Insurance Insurance NNP en-wikipedia-org-9050 125 10 Regulation Regulation NNP en-wikipedia-org-9050 125 11 in in IN en-wikipedia-org-9050 125 12 the the DT en-wikipedia-org-9050 125 13 United United NNP en-wikipedia-org-9050 125 14 States States NNP en-wikipedia-org-9050 125 15 . . . en-wikipedia-org-9050 126 1 Washington Washington NNP en-wikipedia-org-9050 126 2 , , , en-wikipedia-org-9050 126 3 D.C. D.C. NNP en-wikipedia-org-9050 126 4 : : : en-wikipedia-org-9050 126 5 U.S. U.S. NNP en-wikipedia-org-9050 126 6 Department Department NNP en-wikipedia-org-9050 126 7 of of IN en-wikipedia-org-9050 126 8 the the DT en-wikipedia-org-9050 126 9 Treasury Treasury NNP en-wikipedia-org-9050 126 10 . . . en-wikipedia-org-9050 127 1 pp pp NNP en-wikipedia-org-9050 127 2 . . . en-wikipedia-org-9050 128 1 5 5 CD en-wikipedia-org-9050 128 2 , , , en-wikipedia-org-9050 128 3 63 63 CD en-wikipedia-org-9050 128 4 . . . en-wikipedia-org-9050 129 1 ^ ^ NNP en-wikipedia-org-9050 129 2 About about IN en-wikipedia-org-9050 129 3 the the DT en-wikipedia-org-9050 129 4 National National NNP en-wikipedia-org-9050 129 5 Association Association NNP en-wikipedia-org-9050 129 6 of of IN en-wikipedia-org-9050 129 7 Insurance Insurance NNP en-wikipedia-org-9050 129 8 Commissioners Commissioners NNPS en-wikipedia-org-9050 129 9 . . . en-wikipedia-org-9050 130 1 NAIC NAIC NNP en-wikipedia-org-9050 130 2 . . . en-wikipedia-org-9050 131 1 Retrieved retrieve VBN en-wikipedia-org-9050 131 2 2010 2010 CD en-wikipedia-org-9050 131 3 - - SYM en-wikipedia-org-9050 131 4 10 10 CD en-wikipedia-org-9050 131 5 - - SYM en-wikipedia-org-9050 131 6 18 18 CD en-wikipedia-org-9050 131 7 . . . en-wikipedia-org-9050 132 1 ^ ^ NNP en-wikipedia-org-9050 132 2 Berrington Berrington NNP en-wikipedia-org-9050 132 3 , , , en-wikipedia-org-9050 132 4 Craig Craig NNP en-wikipedia-org-9050 132 5 ( ( -LRB- en-wikipedia-org-9050 132 6 2007 2007 CD en-wikipedia-org-9050 132 7 ) ) -RRB- en-wikipedia-org-9050 132 8 . . . en-wikipedia-org-9050 133 1 Federal Federal NNP en-wikipedia-org-9050 133 2 Insurance Insurance NNP en-wikipedia-org-9050 133 3 Regulation Regulation NNP en-wikipedia-org-9050 133 4 Optional Optional NNP en-wikipedia-org-9050 133 5 Federal Federal NNP en-wikipedia-org-9050 133 6 Chartering Chartering NNP en-wikipedia-org-9050 133 7 Bills Bills NNPS en-wikipedia-org-9050 133 8 Come come VBP en-wikipedia-org-9050 133 9 to to IN en-wikipedia-org-9050 133 10 the the DT en-wikipedia-org-9050 133 11 Big Big NNP en-wikipedia-org-9050 133 12 Top top NN en-wikipedia-org-9050 133 13 : : : en-wikipedia-org-9050 133 14 The the DT en-wikipedia-org-9050 133 15 Substance Substance NNP en-wikipedia-org-9050 133 16 and and CC en-wikipedia-org-9050 133 17 Politics Politics NNP en-wikipedia-org-9050 133 18 of of IN en-wikipedia-org-9050 133 19 Act Act NNP en-wikipedia-org-9050 133 20 II II NNP en-wikipedia-org-9050 133 21 ^ ^ FW en-wikipedia-org-9050 133 22 Tobias Tobias NNP en-wikipedia-org-9050 133 23 , , , en-wikipedia-org-9050 133 24 Andrew Andrew NNP en-wikipedia-org-9050 133 25 P. P. NNP en-wikipedia-org-9050 133 26 ( ( -LRB- en-wikipedia-org-9050 133 27 1982 1982 CD en-wikipedia-org-9050 133 28 ) ) -RRB- en-wikipedia-org-9050 133 29 . . . en-wikipedia-org-9050 134 1 The the DT en-wikipedia-org-9050 134 2 invisible invisible JJ en-wikipedia-org-9050 134 3 bankers banker NNS en-wikipedia-org-9050 134 4   _SP en-wikipedia-org-9050 134 5 : : : en-wikipedia-org-9050 134 6 everything everything NN en-wikipedia-org-9050 134 7 the the DT en-wikipedia-org-9050 134 8 insurance insurance NN en-wikipedia-org-9050 134 9 industry industry NN en-wikipedia-org-9050 134 10 never never RB en-wikipedia-org-9050 134 11 wanted want VBD en-wikipedia-org-9050 134 12 you -PRON- PRP en-wikipedia-org-9050 134 13 to to TO en-wikipedia-org-9050 134 14 know know VB en-wikipedia-org-9050 134 15 . . . en-wikipedia-org-9050 135 1 New New NNP en-wikipedia-org-9050 135 2 York York NNP en-wikipedia-org-9050 135 3 : : : en-wikipedia-org-9050 135 4 Linden Linden NNP en-wikipedia-org-9050 135 5 Press Press NNP en-wikipedia-org-9050 135 6 / / SYM en-wikipedia-org-9050 135 7 Simon Simon NNP en-wikipedia-org-9050 135 8 & & CC en-wikipedia-org-9050 135 9 Schuster Schuster NNP en-wikipedia-org-9050 135 10 . . . en-wikipedia-org-9050 136 1 ISBN ISBN NNP en-wikipedia-org-9050 136 2   _SP en-wikipedia-org-9050 136 3 0671228498 0671228498 CD en-wikipedia-org-9050 136 4 . . . en-wikipedia-org-9050 137 1 OCLC oclc NN en-wikipedia-org-9050 137 2   _SP en-wikipedia-org-9050 137 3 7945073 7945073 CD en-wikipedia-org-9050 137 4 . . . en-wikipedia-org-9050 138 1 ^ ^ NFP en-wikipedia-org-9050 138 2 The the DT en-wikipedia-org-9050 138 3 Dodd Dodd NNP en-wikipedia-org-9050 138 4 - - HYPH en-wikipedia-org-9050 138 5 Frank Frank NNP en-wikipedia-org-9050 138 6 Act Act NNP en-wikipedia-org-9050 138 7 , , , en-wikipedia-org-9050 138 8 Pub Pub NNP en-wikipedia-org-9050 138 9 . . . en-wikipedia-org-9050 138 10 L L NNP en-wikipedia-org-9050 138 11 111 111 CD en-wikipedia-org-9050 138 12 - - SYM en-wikipedia-org-9050 138 13 203 203 CD en-wikipedia-org-9050 138 14 , , , en-wikipedia-org-9050 138 15 H.R. H.R. 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24 , , , en-wikipedia-org-9050 139 25 Financial Financial NNP en-wikipedia-org-9050 139 26 Reform Reform NNP en-wikipedia-org-9050 139 27 in in IN en-wikipedia-org-9050 139 28 America America NNP en-wikipedia-org-9050 139 29 , , , en-wikipedia-org-9050 139 30 The the DT en-wikipedia-org-9050 139 31 Economist Economist NNP en-wikipedia-org-9050 139 32 , , , en-wikipedia-org-9050 139 33 July July NNP en-wikipedia-org-9050 139 34 2010 2010 CD en-wikipedia-org-9050 139 35 . . . en-wikipedia-org-9050 140 1 ^ ^ NNP en-wikipedia-org-9050 140 2 a a DT en-wikipedia-org-9050 140 3 b b NNP en-wikipedia-org-9050 140 4 Mulhern Mulhern NNP en-wikipedia-org-9050 140 5 , , , en-wikipedia-org-9050 140 6 John John NNP en-wikipedia-org-9050 140 7 ; ; : en-wikipedia-org-9050 140 8 Hassouri Hassouri NNP en-wikipedia-org-9050 140 9 , , , en-wikipedia-org-9050 140 10 Parimah Parimah NNP en-wikipedia-org-9050 140 11 ; ; : en-wikipedia-org-9050 140 12 Moreira Moreira NNP en-wikipedia-org-9050 140 13 , , , 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. . . en-wikipedia-org-9050 145 1 ISBN ISBN NNP en-wikipedia-org-9050 145 2   _SP en-wikipedia-org-9050 145 3 9781849807890 9781849807890 CD en-wikipedia-org-9050 145 4 . . . en-wikipedia-org-9050 146 1 Retrieved retrieve VBN en-wikipedia-org-9050 146 2 8 8 CD en-wikipedia-org-9050 146 3 January January NNP en-wikipedia-org-9050 146 4 2017 2017 CD en-wikipedia-org-9050 146 5 . . . en-wikipedia-org-9050 147 1 ^ ^ NFP en-wikipedia-org-9050 147 2 The the DT en-wikipedia-org-9050 147 3 Surplus Surplus NNP en-wikipedia-org-9050 147 4 Line Line NNP en-wikipedia-org-9050 147 5 Association Association NNP en-wikipedia-org-9050 147 6 of of IN en-wikipedia-org-9050 147 7 California California NNP en-wikipedia-org-9050 147 8 , , , en-wikipedia-org-9050 147 9 Export Export NNP en-wikipedia-org-9050 147 10 List List NNP en-wikipedia-org-9050 147 11 ( ( -LRB- en-wikipedia-org-9050 147 12 2017 2017 CD en-wikipedia-org-9050 147 13 ) ) -RRB- en-wikipedia-org-9050 147 14 . . . en-wikipedia-org-9050 148 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en-wikipedia-org-9050 148 132 Terror Terror NNP en-wikipedia-org-9050 148 133 War War NNP en-wikipedia-org-9050 148 134 in in IN en-wikipedia-org-9050 148 135 Afghanistan Afghanistan NNP en-wikipedia-org-9050 148 136 Iraq Iraq NNP en-wikipedia-org-9050 148 137 War War NNP en-wikipedia-org-9050 148 138 COVID-19 COVID-19 , en-wikipedia-org-9050 148 139 pandemic pandemic JJ en-wikipedia-org-9050 148 140 By by IN en-wikipedia-org-9050 148 141 topic topic NN en-wikipedia-org-9050 148 142 Outline Outline NNP en-wikipedia-org-9050 148 143 of of IN en-wikipedia-org-9050 148 144 U.S. U.S. NNP en-wikipedia-org-9050 148 145 history history NN en-wikipedia-org-9050 148 146 Demographic Demographic NNP en-wikipedia-org-9050 148 147 Discoveries discovery NNS en-wikipedia-org-9050 148 148 Economic economic JJ en-wikipedia-org-9050 148 149 debt debt NN en-wikipedia-org-9050 148 150 ceiling ceiling NN en-wikipedia-org-9050 148 151 Inventions invention NNS en-wikipedia-org-9050 148 152 before before IN 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Executive Executive NNP en-wikipedia-org-9050 148 254 Office Office NNP en-wikipedia-org-9050 148 255 Independent Independent NNP en-wikipedia-org-9050 148 256 agencies agency NNS en-wikipedia-org-9050 148 257 Law law NN en-wikipedia-org-9050 148 258 enforcement enforcement NN en-wikipedia-org-9050 148 259 President President NNP en-wikipedia-org-9050 148 260 of of IN en-wikipedia-org-9050 148 261 the the DT en-wikipedia-org-9050 148 262 United United NNP en-wikipedia-org-9050 148 263 States States NNP en-wikipedia-org-9050 148 264 Powers Powers NNP en-wikipedia-org-9050 148 265 Public public JJ en-wikipedia-org-9050 148 266 policy policy NN en-wikipedia-org-9050 148 267 Legislative Legislative NNP en-wikipedia-org-9050 148 268 House House NNP en-wikipedia-org-9050 148 269 of of IN en-wikipedia-org-9050 148 270 Representatives Representatives NNPS en-wikipedia-org-9050 148 271 current current JJ en-wikipedia-org-9050 148 272 members member NNS en-wikipedia-org-9050 148 273 Speaker 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Folklore folklore NN en-wikipedia-org-9050 148 496 Great Great NNP en-wikipedia-org-9050 148 497 American American NNP en-wikipedia-org-9050 148 498 Novel Novel NNP en-wikipedia-org-9050 148 499 Health Health NNP en-wikipedia-org-9050 148 500 health health NN en-wikipedia-org-9050 148 501 care care NN en-wikipedia-org-9050 148 502 health health NN en-wikipedia-org-9050 148 503 insurance insurance NN en-wikipedia-org-9050 148 504 Holidays Holidays NNP en-wikipedia-org-9050 148 505 Homelessness Homelessness NNP en-wikipedia-org-9050 148 506 Human Human NNP en-wikipedia-org-9050 148 507 rights right NNS en-wikipedia-org-9050 148 508 Languages Languages NNPS en-wikipedia-org-9050 148 509 American American NNP en-wikipedia-org-9050 148 510 English English NNP en-wikipedia-org-9050 148 511 Indigenous indigenous JJ en-wikipedia-org-9050 148 512 languages language NNS en-wikipedia-org-9050 148 513 ASL ASL NNP en-wikipedia-org-9050 148 514 Black Black NNP en-wikipedia-org-9050 148 515 American American NNP en-wikipedia-org-9050 148 516 Sign Sign NNP en-wikipedia-org-9050 148 517 Language Language NNP en-wikipedia-org-9050 148 518 HSL hsl NN en-wikipedia-org-9050 148 519 Plains plain VBZ en-wikipedia-org-9050 148 520 Sign Sign NNP en-wikipedia-org-9050 148 521 Talk talk NN en-wikipedia-org-9050 148 522 Arabic arabic JJ en-wikipedia-org-9050 148 523 Chinese chinese JJ en-wikipedia-org-9050 148 524 French french JJ en-wikipedia-org-9050 148 525 German german JJ en-wikipedia-org-9050 148 526 Italian italian JJ en-wikipedia-org-9050 148 527 Russian russian JJ en-wikipedia-org-9050 148 528 Spanish Spanish NNP en-wikipedia-org-9050 148 529 Literature Literature NNP en-wikipedia-org-9050 148 530 Media Media NNP en-wikipedia-org-9050 148 531 Journalism Journalism NNP en-wikipedia-org-9050 148 532 Internet Internet NNP en-wikipedia-org-9050 148 533 Newspapers Newspapers NNP en-wikipedia-org-9050 148 534 Radio Radio NNP en-wikipedia-org-9050 148 535 Television Television NNP en-wikipedia-org-9050 148 536 Music Music NNP en-wikipedia-org-9050 148 537 Names name VBZ en-wikipedia-org-9050 148 538 National national JJ en-wikipedia-org-9050 148 539 symbols symbol NNS en-wikipedia-org-9050 148 540 Columbia Columbia NNP en-wikipedia-org-9050 148 541 Statue Statue NNP en-wikipedia-org-9050 148 542 of of IN en-wikipedia-org-9050 148 543 Liberty Liberty NNP en-wikipedia-org-9050 148 544 Uncle Uncle NNP en-wikipedia-org-9050 148 545 Sam Sam NNP en-wikipedia-org-9050 148 546 People People NNS en-wikipedia-org-9050 148 547 Philosophy Philosophy NNP en-wikipedia-org-9050 148 548 Political political JJ en-wikipedia-org-9050 148 549 ideologies ideologie VBZ en-wikipedia-org-9050 148 550 Public public JJ en-wikipedia-org-9050 148 551 holidays holiday NNS en-wikipedia-org-9050 148 552 Race Race NNP en-wikipedia-org-9050 148 553 Religion Religion NNP en-wikipedia-org-9050 148 554 Sexuality Sexuality NNP en-wikipedia-org-9050 148 555   _SP en-wikipedia-org-9050 148 556 / / , 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Homelessness NNP en-wikipedia-org-9050 148 577 Home Home NNP en-wikipedia-org-9050 148 578 - - HYPH en-wikipedia-org-9050 148 579 ownership ownership NN en-wikipedia-org-9050 148 580 Household household NN en-wikipedia-org-9050 148 581 income income NN en-wikipedia-org-9050 148 582 Income Income NNP en-wikipedia-org-9050 148 583 inequality inequality NN en-wikipedia-org-9050 148 584 Middle middle JJ en-wikipedia-org-9050 148 585 class class NN en-wikipedia-org-9050 148 586 Personal personal JJ en-wikipedia-org-9050 148 587 income income NN en-wikipedia-org-9050 148 588 Poverty Poverty NNP en-wikipedia-org-9050 148 589 Professional Professional NNP en-wikipedia-org-9050 148 590 and and CC en-wikipedia-org-9050 148 591 working working NN en-wikipedia-org-9050 148 592 class class NN en-wikipedia-org-9050 148 593 conflict conflict NN en-wikipedia-org-9050 148 594 Standard standard NN en-wikipedia-org-9050 148 595 of of IN en-wikipedia-org-9050 148 596 living live VBG en-wikipedia-org-9050 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