-LSB-(a) An agent who submits an application to the assigned risk plan through the company for which he is a licensed agent is not required to be licensed
as an insurance broker in order to handle the delivery of the policy of the company to which the risk is assigned.
Licensed
as an insurance broker in 50 states plus the District of Columbia, the company is paid a commission by the appropriate insurance company for each sale.
Not exact matches
Alan Bishop has spent 40 years building
insurance broker EBM into a national player and worked through many business cycles over that time, but arguably none
as tough
as the current conditions
in Western Australia.
«Find out whether [the advisor is]
in sales, via a
broker dealer /
insurance company, or will they act like a fiduciary, such
as many affiliated with RIAs will be,» he said.
The Russian native was a licensed industrial mechanic and, before immigrating, worked
as a mortgage and
insurance broker in Germany.
As a result, some
brokers were representing
insurance policies
in certain states without the proper licenses, it disclosed.
The
brokers would bring the leads;
in return, he would offer access to Benecon's wider selection of
insurance products,
as well
as professional resources and expertise.
In a recent post, we reported that Zenefits, a software company and online brokerage firm that claims to have automated much of what brokers do, seems to have alarmed enough insurance agents that last month, the insurance commissioner in Utah banned Zenefits from serving as a broker in the stat
In a recent post, we reported that Zenefits, a software company and online brokerage firm that claims to have automated much of what
brokers do, seems to have alarmed enough
insurance agents that last month, the
insurance commissioner
in Utah banned Zenefits from serving as a broker in the stat
in Utah banned Zenefits from serving
as a
broker in the stat
in the state.
The introductory clause is amended to reflect the June 9, 2017 applicability date of that section,
as follows: «On or after June 9, 2017, if the
insurance agent or
broker, pension consultant,
insurance company or investment company Principal Underwriter is a fiduciary within the meaning of ERISA section 3 (21)(A)(ii) or Code section 4975 (e)(3)(B) with respect to the assets involved
in the transaction, the following conditions must be satisfied, with respect to the transaction to the extent they are applicable to the fiduciary's actions -LSB-.]»
This discussion also does not consider any specific facts or circumstances that may be relevant to holders subject to special rules under the U.S. federal income tax laws, including, without limitation, certain former citizens or long - term residents of the United States, partnerships or other pass - through entities, real estate investment trusts, regulated investment companies, «controlled foreign corporations,» «passive foreign investment companies,» corporations that accumulate earnings to avoid U.S. federal income tax, banks, financial institutions, investment funds,
insurance companies,
brokers, dealers or traders
in securities, commodities or currencies, tax - exempt organizations, tax - qualified retirement plans, persons subject to the alternative minimum tax, persons that own, or have owned, actually or constructively, more than 5 % of our common stock and persons holding our common stock
as part of a hedging or conversion transaction or straddle, or a constructive sale, or other risk reduction strategy.
It does not discuss all aspects of U.S. federal income taxation that may be relevant to particular holders
in light of their particular circumstances or to holders subject to special rules under the Code (including, but not limited to,
insurance companies, tax - exempt organizations, financial institutions,
broker - dealers, partners
in partnerships (or entities or arrangements treated
as partnerships for U.S. federal income tax purposes) that hold HP Co. common stock, pass - through entities (or investors therein), traders
in securities who elect to apply a mark - to - market method of accounting, stockholders who hold HP Co. common stock
as part of a «hedge,» «straddle,» «conversion,» «synthetic security,» «integrated investment» or «constructive sale transaction,» individuals who receive HP Co. or Hewlett Packard Enterprise common stock upon the exercise of employee stock options or otherwise
as compensation, holders who are liable for the alternative minimum tax or any holders who actually or constructively own 5 % or more of HP Co. common stock).
And
insurance agents and
brokers still could be hit
in the wallets
as well.
«It has become increasingly common over the past few decades for
insurance producers, like
broker - dealers, to recast themselves
as financial advisors or retirement planners
in order to attract clients seeking objective, professional advice about their retirement and other investments,» the CFA says.
This Journal editorial is part of a raging battle
in Washington between brokerage lobbyists and, well, most everyone else, over whether securities and
insurance sales
brokers should be regulated
as professionals — like doctors — when they give advice.
It mandates that all who serve
as fiduciaries —
broker - dealers, investment advisors,
insurance agents and the like — must act
in the best interest of their clients.
As a reminder, the vast majority of
brokers and
insurance reps who sell securities products are held to a lower standard of care called «suitability,» which means their recommendations have to clear the low bar of what is suitable, though not necessarily
in your best interest.
Over the years, he specialized
in construction bond
insurance, and during the 1970s and early 1980s he worked
as a
broker at McManus & Pellouchoud
in Chicago.
Just
as Grant Eckhoff is taking on greater responsibilities on the DuPage County Board, the Wheaton attorney is facing a challenge
in the Republican primary from Jerry «J.R.» McBride, a Glen Ellyn
insurance broker.
From 1974 to 1981 he was also a marine
insurance broker at Lloyd's, and he worked
as a lecturer
in management between 1997 and 2005.
Practitioners
in several fields of non-legal work, such
as «residential real estate
brokering services,» «
insurance brokering services,» and medicine would not need to disclose their clients, though federal privacy requirements limit how much the state can require to be made public.
Industry initiatives, such
as the
Insurance Fraud Register, MyLicence that allows insurers to check for any motoring offences, and the work of the Insurance Fraud Bureau and the Insurance Fraud Enforcement Department in tackling ghost brokers are helping to reduce the scope for insurance application frau
Insurance Fraud Register, MyLicence that allows insurers to check for any motoring offences, and the work of the
Insurance Fraud Bureau and the Insurance Fraud Enforcement Department in tackling ghost brokers are helping to reduce the scope for insurance application frau
Insurance Fraud Bureau and the
Insurance Fraud Enforcement Department in tackling ghost brokers are helping to reduce the scope for insurance application frau
Insurance Fraud Enforcement Department
in tackling ghost
brokers are helping to reduce the scope for
insurance application frau
insurance application fraud.»
As chairman of the British
Insurance Brokers» Association, the Tory peer appealed to members ahead of the referendum: «I believe remaining
in the EU would be a vote for business stability over uncertainty.
The daughter of a golf - champion mother and
insurance broker father, American actress Virginia Bruce entered films
as a bit player and chorus dancer; she's easily recognizable
as one of Jeanette MacDonald's ladies
in waiting
in The Love Parade (1929) and
as a «Goldwyn Girl» (along with Betty Grable)
in Whoopee (1931).
The example
in favor of this solution is financial institutions, such
as banks,
insurance companies, and
brokers, which are often obliged by law to check skills and knowledge of their salesforce and customer care consultants.
Yes, you can invest
in mutual funds,
insurance as well
as in IPOs using this full - service stock
broker's services.
It allows its clients to trade across different segments such
as Equity, Derivatives, commodities, currency etc. 5Paisa is a discount
broker launched by India Infoline (IIFL)
in 2015 and allows a trader to trade across Equity, Currency,
Insurance and Mutual Funds.
In a recent Canadian Council of
Insurances Regulators (CCIR) report,
brokers said they have seen rates increase by
as much
as 80 % based on credit scores, and have even seen coverage denied.
In Ontario, sellers must purchase a Used Vehicle Information Package for $ 20 and have a garage certify the vehicle as safe; in B.C. sellers must pick up a Transfer / Tax Form from an Autoplan insurance broke
In Ontario, sellers must purchase a Used Vehicle Information Package for $ 20 and have a garage certify the vehicle
as safe;
in B.C. sellers must pick up a Transfer / Tax Form from an Autoplan insurance broke
in B.C. sellers must pick up a Transfer / Tax Form from an Autoplan
insurance broker.
In his 13 years
as an
insurance broker Bryan Yetman has regularly witnessed the havoc credit scores wreak on consumers.
(B) «Credit repair services organization» does not include: (i) Any person authorized to make loans or extensions of credit under the laws of this state or the United States who is subject to regulation and supervision by this state or the United States; (ii) Any bank or savings and loan institution whose deposits or accounts are eligible for
insurance by the Federal Deposit Insurance Corporation or the Savings Association Insurance Fund of the Federal Deposit Insurance Corporation; (iii) Any nonprofit organization exempt from taxation under Section 501 (c)(3) of the Internal Revenue Code of 1986; (iv) Any person licensed as a real estate broker by this state if the person is acting within the course and scope of that license; (v) Any person licensed to practice law in this state if the person renders services within the course and scope of his or her practice as an attorney; (vi) Any broker - dealer registered with the Securities and Exchange Commission or the Commodity Futures Trading Commission if the broker - dealer is acting within the course and scope of those regulatory agencies; or (vii) Any consumer reporting agency as defined in the federal Fair Credit Reporting Act (15 U.S.C. 1681
insurance by the Federal Deposit
Insurance Corporation or the Savings Association Insurance Fund of the Federal Deposit Insurance Corporation; (iii) Any nonprofit organization exempt from taxation under Section 501 (c)(3) of the Internal Revenue Code of 1986; (iv) Any person licensed as a real estate broker by this state if the person is acting within the course and scope of that license; (v) Any person licensed to practice law in this state if the person renders services within the course and scope of his or her practice as an attorney; (vi) Any broker - dealer registered with the Securities and Exchange Commission or the Commodity Futures Trading Commission if the broker - dealer is acting within the course and scope of those regulatory agencies; or (vii) Any consumer reporting agency as defined in the federal Fair Credit Reporting Act (15 U.S.C. 1681
Insurance Corporation or the Savings Association
Insurance Fund of the Federal Deposit Insurance Corporation; (iii) Any nonprofit organization exempt from taxation under Section 501 (c)(3) of the Internal Revenue Code of 1986; (iv) Any person licensed as a real estate broker by this state if the person is acting within the course and scope of that license; (v) Any person licensed to practice law in this state if the person renders services within the course and scope of his or her practice as an attorney; (vi) Any broker - dealer registered with the Securities and Exchange Commission or the Commodity Futures Trading Commission if the broker - dealer is acting within the course and scope of those regulatory agencies; or (vii) Any consumer reporting agency as defined in the federal Fair Credit Reporting Act (15 U.S.C. 1681
Insurance Fund of the Federal Deposit
Insurance Corporation; (iii) Any nonprofit organization exempt from taxation under Section 501 (c)(3) of the Internal Revenue Code of 1986; (iv) Any person licensed as a real estate broker by this state if the person is acting within the course and scope of that license; (v) Any person licensed to practice law in this state if the person renders services within the course and scope of his or her practice as an attorney; (vi) Any broker - dealer registered with the Securities and Exchange Commission or the Commodity Futures Trading Commission if the broker - dealer is acting within the course and scope of those regulatory agencies; or (vii) Any consumer reporting agency as defined in the federal Fair Credit Reporting Act (15 U.S.C. 1681
Insurance Corporation; (iii) Any nonprofit organization exempt from taxation under Section 501 (c)(3) of the Internal Revenue Code of 1986; (iv) Any person licensed
as a real estate
broker by this state if the person is acting within the course and scope of that license; (v) Any person licensed to practice law
in this state if the person renders services within the course and scope of his or her practice
as an attorney; (vi) Any
broker - dealer registered with the Securities and Exchange Commission or the Commodity Futures Trading Commission if the
broker - dealer is acting within the course and scope of those regulatory agencies; or (vii) Any consumer reporting agency
as defined
in the federal Fair Credit Reporting Act (15 U.S.C. 1681 - 1681t).
In addition to his work
as an online life
insurance broker, Glenn manages the FinanceAds.ca network that includes some of Canada's most popular money bloggers.
Alaska USA
Insurance Brokers was founded
in 1986
as a wholly - owned subsidiary of Alaska USA Federal Credit Union.
(1) The following shall be exempt from the Credit Services Organization Act: (a) A person authorized to make loans or extensions of credit under the laws of this state or the United States who is subject to regulation and supervision by this state or the United States or a lender approved by the United States Secretary of Housing and Urban Development for participation
in a mortgage
insurance program under the National Housing Act, 12 U.S.C. 1701 et seq.; (b) A bank or savings and loan association whose deposit or accounts are eligible for insurance by the Federal Deposit Insurance Corporation or a subsidiary of such a bank or savings and loan association; (c) A credit union doing business in this state; (d) A nonprofit organization exempt from taxation under section 501 (c)(3) of the Internal Revenue Code; (e) A person licensed as a real estate broker or salesperson under the Nebraska Real Estate License Act acting within the course and scope of that license; (f) A person licensed to practice law in this state acting within the course and scope of the person's practice as an attorney; (g) A broker - dealer registered with the Securities and Exchange Commission or the Commodity Futures Trading Commission acting within the course and scope of that regulation; (h) A consumer reporting agency; (i) A person whose primary business is making loans secured by liens on real property; (j) A person, firm, corporation, or association licensed as a collection agency in this state or a person holding a solicitor's certificate in this state acting within the course and scope of that license or certificate; and (k) A person licensed to engage in the business of debt management pursuant to sections 69 - 1201 to 6
insurance program under the National Housing Act, 12 U.S.C. 1701 et seq.; (b) A bank or savings and loan association whose deposit or accounts are eligible for
insurance by the Federal Deposit Insurance Corporation or a subsidiary of such a bank or savings and loan association; (c) A credit union doing business in this state; (d) A nonprofit organization exempt from taxation under section 501 (c)(3) of the Internal Revenue Code; (e) A person licensed as a real estate broker or salesperson under the Nebraska Real Estate License Act acting within the course and scope of that license; (f) A person licensed to practice law in this state acting within the course and scope of the person's practice as an attorney; (g) A broker - dealer registered with the Securities and Exchange Commission or the Commodity Futures Trading Commission acting within the course and scope of that regulation; (h) A consumer reporting agency; (i) A person whose primary business is making loans secured by liens on real property; (j) A person, firm, corporation, or association licensed as a collection agency in this state or a person holding a solicitor's certificate in this state acting within the course and scope of that license or certificate; and (k) A person licensed to engage in the business of debt management pursuant to sections 69 - 1201 to 6
insurance by the Federal Deposit
Insurance Corporation or a subsidiary of such a bank or savings and loan association; (c) A credit union doing business in this state; (d) A nonprofit organization exempt from taxation under section 501 (c)(3) of the Internal Revenue Code; (e) A person licensed as a real estate broker or salesperson under the Nebraska Real Estate License Act acting within the course and scope of that license; (f) A person licensed to practice law in this state acting within the course and scope of the person's practice as an attorney; (g) A broker - dealer registered with the Securities and Exchange Commission or the Commodity Futures Trading Commission acting within the course and scope of that regulation; (h) A consumer reporting agency; (i) A person whose primary business is making loans secured by liens on real property; (j) A person, firm, corporation, or association licensed as a collection agency in this state or a person holding a solicitor's certificate in this state acting within the course and scope of that license or certificate; and (k) A person licensed to engage in the business of debt management pursuant to sections 69 - 1201 to 6
Insurance Corporation or a subsidiary of such a bank or savings and loan association; (c) A credit union doing business
in this state; (d) A nonprofit organization exempt from taxation under section 501 (c)(3) of the Internal Revenue Code; (e) A person licensed
as a real estate
broker or salesperson under the Nebraska Real Estate License Act acting within the course and scope of that license; (f) A person licensed to practice law
in this state acting within the course and scope of the person's practice
as an attorney; (g) A
broker - dealer registered with the Securities and Exchange Commission or the Commodity Futures Trading Commission acting within the course and scope of that regulation; (h) A consumer reporting agency; (i) A person whose primary business is making loans secured by liens on real property; (j) A person, firm, corporation, or association licensed
as a collection agency
in this state or a person holding a solicitor's certificate
in this state acting within the course and scope of that license or certificate; and (k) A person licensed to engage
in the business of debt management pursuant to sections 69 - 1201 to 69 - 1217.
I interviewed a licensed life
insurance broker Lorne Marr from LSM Insurance, who is often quoted as an industry expert in numerous mainstream media publications (e.g. here is Lorne Marr's interview in Toronto Star), to get his view on mortgage insurance and if it is a g
insurance broker Lorne Marr from LSM
Insurance, who is often quoted as an industry expert in numerous mainstream media publications (e.g. here is Lorne Marr's interview in Toronto Star), to get his view on mortgage insurance and if it is a g
Insurance, who is often quoted
as an industry expert
in numerous mainstream media publications (e.g. here is Lorne Marr's interview
in Toronto Star), to get his view on mortgage
insurance and if it is a g
insurance and if it is a good idea.
A loan
broker shall comply with the provisions of the federal Gramm - Leach - Bliley Act, 15 United States Code, Section 6801 et seq. (1999) and the applicable implementing federal Privacy of Consumer Information regulations,
as adopted by the Office of the Comptroller of the Currency, 12 Code of Federal Regulations, Part 40 (2001); the Board of Governors of the Federal Reserve System, 12 Code of Federal Regulations, Part 216 (2001); the Federal Deposit
Insurance Corporation, 12 Code of Federal Regulations, Part 332 (2001); the Office of Thrift Supervision, 12 Code of Federal Regulations, Part 573 (2001); the National Credit Union Administration, 12 Code of Federal Regulations, Part 716 (2001); the Federal Trade Commission, 16 Code of Federal Regulations, Part 313 (2001); or the Securities and Exchange Commission, 17 Code of Federal Regulations, Part 248 (2001), if the loan
broker is a financial institution
as defined
in those regulations.
«Credit Services Organization» does not include any of the following: (i) a person authorized to make loans or extensions of credit under the laws of this State or the United States who is subject to regulation and supervision by this State or the United States, or a lender approved by the United States Secretary of Housing and Urban Development for participation
in a mortgage
insurance program under the National Housing Act (12 U.S.C. Section 1701 et seq.); (ii) a bank or savings and loan association whose deposits or accounts are eligible for insurance by the Federal Deposit Insurance Corporation or the Federal Savings and Loan Insurance Corporation, or a subsidiary of such a bank or savings and loan association; (iii) a credit union doing business in this State; (iv) a nonprofit organization exempt from taxation under Section 501 (c)(3) of the Internal Revenue Code of 1986, [FN1] provided that such organization does not charge or receive any money or other valuable consideration prior to or upon the execution of a contract or other agreement between the buyer and the nonprofit organization; (v) a person licensed as a real estate broker by this state if the person is acting within the course and scope of that license; (vi) a person licensed to practice law in this State acting within the course and scope of the person's practice as an attorney; (vii) a broker - dealer registered with the Securities and Exchange Commission or the Commodity Futures Trading Commission acting within the course and scope of that regulation; (viii) a consumer reporting agency; and (ix) a residential mortgage loan broker or banker who is duly licensed under the Illinois Residential Mortgage License Act
insurance program under the National Housing Act (12 U.S.C. Section 1701 et seq.); (ii) a bank or savings and loan association whose deposits or accounts are eligible for
insurance by the Federal Deposit Insurance Corporation or the Federal Savings and Loan Insurance Corporation, or a subsidiary of such a bank or savings and loan association; (iii) a credit union doing business in this State; (iv) a nonprofit organization exempt from taxation under Section 501 (c)(3) of the Internal Revenue Code of 1986, [FN1] provided that such organization does not charge or receive any money or other valuable consideration prior to or upon the execution of a contract or other agreement between the buyer and the nonprofit organization; (v) a person licensed as a real estate broker by this state if the person is acting within the course and scope of that license; (vi) a person licensed to practice law in this State acting within the course and scope of the person's practice as an attorney; (vii) a broker - dealer registered with the Securities and Exchange Commission or the Commodity Futures Trading Commission acting within the course and scope of that regulation; (viii) a consumer reporting agency; and (ix) a residential mortgage loan broker or banker who is duly licensed under the Illinois Residential Mortgage License Act
insurance by the Federal Deposit
Insurance Corporation or the Federal Savings and Loan Insurance Corporation, or a subsidiary of such a bank or savings and loan association; (iii) a credit union doing business in this State; (iv) a nonprofit organization exempt from taxation under Section 501 (c)(3) of the Internal Revenue Code of 1986, [FN1] provided that such organization does not charge or receive any money or other valuable consideration prior to or upon the execution of a contract or other agreement between the buyer and the nonprofit organization; (v) a person licensed as a real estate broker by this state if the person is acting within the course and scope of that license; (vi) a person licensed to practice law in this State acting within the course and scope of the person's practice as an attorney; (vii) a broker - dealer registered with the Securities and Exchange Commission or the Commodity Futures Trading Commission acting within the course and scope of that regulation; (viii) a consumer reporting agency; and (ix) a residential mortgage loan broker or banker who is duly licensed under the Illinois Residential Mortgage License Act
Insurance Corporation or the Federal Savings and Loan
Insurance Corporation, or a subsidiary of such a bank or savings and loan association; (iii) a credit union doing business in this State; (iv) a nonprofit organization exempt from taxation under Section 501 (c)(3) of the Internal Revenue Code of 1986, [FN1] provided that such organization does not charge or receive any money or other valuable consideration prior to or upon the execution of a contract or other agreement between the buyer and the nonprofit organization; (v) a person licensed as a real estate broker by this state if the person is acting within the course and scope of that license; (vi) a person licensed to practice law in this State acting within the course and scope of the person's practice as an attorney; (vii) a broker - dealer registered with the Securities and Exchange Commission or the Commodity Futures Trading Commission acting within the course and scope of that regulation; (viii) a consumer reporting agency; and (ix) a residential mortgage loan broker or banker who is duly licensed under the Illinois Residential Mortgage License Act
Insurance Corporation, or a subsidiary of such a bank or savings and loan association; (iii) a credit union doing business
in this State; (iv) a nonprofit organization exempt from taxation under Section 501 (c)(3) of the Internal Revenue Code of 1986, [FN1] provided that such organization does not charge or receive any money or other valuable consideration prior to or upon the execution of a contract or other agreement between the buyer and the nonprofit organization; (v) a person licensed
as a real estate
broker by this state if the person is acting within the course and scope of that license; (vi) a person licensed to practice law
in this State acting within the course and scope of the person's practice
as an attorney; (vii) a
broker - dealer registered with the Securities and Exchange Commission or the Commodity Futures Trading Commission acting within the course and scope of that regulation; (viii) a consumer reporting agency; and (ix) a residential mortgage loan
broker or banker who is duly licensed under the Illinois Residential Mortgage License Act of 1987.
However,
insurance agents who sell indexed annuities are mandated to participate
in product - specific training that is far more comprehensive than the sales product training for securities
brokers, such
as mutual funds.
In addition, unsupervised correspondent lenders (
as opposed to
brokers) must provide business and personal credit reports, audited financial statements, quality control plans, sanctions letters and funding programs, and finally post a fidelity bond of at least $ 300,000 and carry at least $ 300,000 of errors and omissions
insurance.
A qualified mortgage
broker can help you achieve the best mortgage rate for your situation,
as well
as help you navigate the
ins and outs of mortgage default
insurance.
«Anyone can stay on someone else's
insurance policy for as long as they'd like — there are no restrictions,» says Adam Mitchell, president of Mitchell and Whale Insurance Brokers in Whi
insurance policy for
as long
as they'd like — there are no restrictions,» says Adam Mitchell, president of Mitchell and Whale
Insurance Brokers in Whi
Insurance Brokers in Whitby, Ont.
OREP specializes
in providing general liability
insurance and professional liability
insurance, also known
as errors and omissions (E&O)
insurance, to real estate appraisers, home inspectors, real estate agents and real estate
brokers, mortgage field service and other real estate professionals nationwide.
A Mutual Fund Company that is involved solely
in the manufacture of mutual funds tend to distribute their funds through mutual fund representatives, investment advisors, financial planners, mutual fund dealers and life
insurance agents, while the banks, credit unions and their Quebec counter part caisses populaires distribute their fund products through their retail branches
as well
as via independent advisors and
brokers.
In life
insurance, agents must be licensed
as securities
brokers / dealers to sell variable annuities, which are similar to stock market - based investments.
Your correspondence or business dealings with any third parties
as a result of your visit and participation
in the Service, including, but not limited to, business dealings with mortgage
brokers or lenders,
insurance agents or carriers, or any other terms, conditions, warranties, representations associated with such dealings, are solely between you and such third party.
We are frequently engaged
as the independent
broker and advisory agent for administrators, liquidators, trustees
in bankruptcy, creditors and other financially distressed companies to arrange and advise on the most appropriate litigation funding or
insurance option for their individual circumstances.
A # 2 - million claim raising important issues
as to whether an individual
insurance broker owes a duty of care for negligence
in the course of his employment.
As an ex
insurance broker, commencing a career
in 1970 my principal expert engagements concern broking and
insurance market practice.
The CEO of Independent Life
Insurance Company said, «We believe Independent Life's singular focus on annuities to fund structured settlements will result
in excellent service and
broker support,
as well
as upper tier pricing, to improve and help grow the industry.»
Will also defends financial advisors, stock
brokers,
insurance agents, appraisers and other professionals facing claims of negligence and fiduciary duty violations was well
as restaurants, hotels and other retail establishments
in premises liability litigation
in state and federal courts.
Education will be a key consideration
as far
as insureds are concerned, and
insurance brokers have a role to play
in this respect.