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There are multiple factors that can cause home insurance rates to go up or down, according to Chris Hackett, director of personal lines policy at the Property Casualty Insurers Association of America,
an insurance trade association.
Not exact matches
Most of the major
trade associations, including doctor's group the American Medical
Association (AMA), and America's Health
Insurance Plans (AHIP) have stayed relatively coy on how they feel about the GOP proposal.
Contact business
trade associations to see if they sponsor an
insurance program designed specifically for your business.
Although the main
trade association representing firms like these, America's Health
Insurance Plans (AHIP), did not endorse the AHCA, the bill did contain some measures that would benefit the companies by repealing certain taxes and allowing insurers to provide less generous (and less costly) benefits to customers.
Mr. Trump wants to allow people in similar
trades to band together and buy «
association plans» across states lines, and let people hold short - term
insurance plans for a full year, instead of just three months.
Topics: Asian, Associations, Back Office, Bakery Cafe, Burger / Steak / BBQ, Business Strategy and Profitability, Catering, Cheese, Coffee / Specialty Beverages, Communications, CONNECT: The Mobile CX Summit, Consultant / Analyst, Credit / Cashless, CRM, Curbside & Takeout, Customer Service / Experience, Digital Signage, Display Technology, Equipment & Supplies, Ethnic, Events, Fast Casual Executive Summit, Financial News, Financing and capital improvements, Food Allergies / Gluten - free, Food & Beverage, Food Cost Management, Food Safety, Food Trucks, Franchising Focus, Franchising & Growth, Fresh Mex, Furniture and Fixtures, Gaming, Going Green, Health & Nutrition, Hot Products, Human Resources, ICX Summit, Independent Restaurant, Industry Services, In - Store Media,
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Association, Online / Mobile / Social, Online Ordering, Online Services, On - site Customer Management / Paging, On the Menu, On the Move, Operations Management, Other, Ovens, Packaging, Packaging Trends, PCI Compliance, Policy / Legislation, POS, Product Reviews, Professional Services, Research & Development / Innovation, Restaurant Design / Layout, Safety, Sandwich, Sauce, Security Systems, Self - Ordering Kiosks, Self Service, Social Responsibility, Software, Software - Back Office, Software - Inventory Management, Software - Supply Chain, Soup / Salad, Staffing & Training, Supplier, Sustainability, Systems / Technology, Top 100,
Trade or
Association,
Trade Show, Trends / Statistics, Video Gallery, Webinars, Window Treatments, Workforce Management
«$ 5.5 billion in assessments on health
insurance is not something to chew on and it doesn't do anything to promote affordability of health care premiums,» said Leslie Moran, senior vice president of the Health Plan
Association, the
trade group representing
insurance plans.
We continued our work behind the scenes - at Westminster and in Europe And centre - stage - with popular industry events, regular communication with members and by remaining prominent in the press In the words of our Director General, Huw Evans: «No
trade association has the right to exist, we continue to modernise to reflect members needs, be forward looking and focus on customers as we represent the
insurance and long - term savings industry.»
Listed among the breakaway affiliates of the NLC and the
Trade Union Congress are NUPENG, NUEE, Nigeria Union of Mine Workers, National Union of Banks,
Insurance and Financial Employees, Nigeria Union of Rail Workers, National Union of Lottery Agents and Employees,
Association of Nigeria Aviation, Professionals, National
Association Aircraft Pilots and Engineers and others.
The New York
Insurance Association, a trade group that represents property and casualty insurance industry, opposed Cahill's bill because it would «needlessly increase mandatory minimum limits of liability and fails to preserve the legal distinction between using a vehicle for personal uses and for ride - sharing services, which will result in greatly increased costs for all New York auto insurance consumer
Insurance Association, a
trade group that represents property and casualty
insurance industry, opposed Cahill's bill because it would «needlessly increase mandatory minimum limits of liability and fails to preserve the legal distinction between using a vehicle for personal uses and for ride - sharing services, which will result in greatly increased costs for all New York auto insurance consumer
insurance industry, opposed Cahill's bill because it would «needlessly increase mandatory minimum limits of liability and fails to preserve the legal distinction between using a vehicle for personal uses and for ride - sharing services, which will result in greatly increased costs for all New York auto
insurance consumer
insurance consumers.»
Delegates to the National Education
Association's annual meeting took up almost every issue under the sun — from health -
insurance coverage to «free
trade,» from reading instruction to chalk dust — but the one that cast the biggest shadow was the new federal education law, the «No Child Left Behind» Act of 2001.
Where it falls short: Some credit card policies only refund your money up to a certain dollar amount, says Linda Kundell, a spokeswoman for the U.S. Travel
Insurance Association, a trade organization for travel insurance p
Insurance Association, a
trade organization for travel
insurance p
insurance providers.
(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).
(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.
«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.
The number of people who own some form of life
insurance has grown to a record 172 million, according to statistics from the Life Insurance and Market Research Association, a trade organization for life i
insurance has grown to a record 172 million, according to statistics from the Life
Insurance and Market Research Association, a trade organization for life i
Insurance and Market Research
Association, a
trade organization for life insurers.2
Under the terms of the Advisory Agreement, each Fund is responsible for the payment of the following expenses among others: (a) the fees payable to the Adviser, (b) the fees and expenses of Trustees who are not affiliated persons of the Adviser or Distributor (as defined under the section entitled («The Distributor»)(c) the fees and certain expenses of the Custodian (as defined under the section entitled «Custodian») and Transfer and Dividend Disbursing Agent (as defined under the section entitled «Transfer Agent»), including the cost of maintaining certain required records of the Fund and of pricing the Fund's shares, (d) the charges and expenses of legal counsel and independent accountants for the Fund, (e) brokerage commissions and any issue or transfer taxes chargeable to the Fund in connection with its securities transactions, (f) all taxes and corporate fees payable by the Fund to governmental agencies, (g) the fees of any
trade association of which the Fund may be a member, (h) the cost of fidelity and liability
insurance, (i) the fees and expenses involved in registering and maintaining registration of the Fund and of shares with the SEC, qualifying its shares under state securities laws, including the preparation and printing of the Fund's registration statements and prospectuses for such purposes, (j) all expenses of shareholders and Trustees» meetings (including travel expenses of trustees and officers of the Trust who are not directors,
Gilbertson Davis LLP will attend Ontario
Insurance Adjusters»
Association Trade Show as Exhibitor January 31, 2017
Among others, Mr. Ferdinand's experience includes, appellate litigation; bankruptcy adversary proceedings; bid protests, debarments, and appeals; breach of contract and Uniform Commercial Code claims; broker disputes; commercial landlord - tenant actions, including commercial evictions; condominium
association litigation; consumer fraud and deceptive
trade practices act claims; corporate governance; directors» and officers» claims; ethics and professional liability; health law; injunctions;
insurance issues; lien claims, including commercial and residential construction liens; planning board actions; post-judgment collection; restrictive covenants; shareholder and partnership disputes; and shareholder derivative claims.
We also regularly represent
insurance companies and industry
trade associations in administrative law, constitutional and preemption - based challenges to statutes and regulations at the federal and state levels.
My clients include telecommunications companies, an airport, a soccer
association, a university, a property management firm, a title
insurance company, as well as numerous
trades and general contractors.
Memberships: North Carolina Bar
Association (Judicial District Representative for Young Lawyers Division; Member, Sections on: Labor and Employment Litigation and Antitrust and
Trade Regulations); American Bar
Association (Member, Sections on: Litigation; Labor and Employment Law; Torts and
Insurance Practice); North Carolina State Bar; Defense Research Institute; North Carolina
Association of Defense Attorneys.
From protecting the interests of
trade associations to defending
insurance agents in the Virginia Bureau of Insurance, Bill works to support your success at ev
insurance agents in the Virginia Bureau of
Insurance, Bill works to support your success at ev
Insurance, Bill works to support your success at every step.
The firm's global investment management practice intersects with our securities enforcement and white collar practices in a client portfolio that includes more than 780 venture capital, private equity; hedge and mutual funds; banks and trust companies;
insurance companies; pension consultants; accounting firms;
trade associations; transfer agents; and other businesses in the investment management sector.
Medicare supplement
insurance association - Medicare supplement experts - Contact the National Medicare Supplement Medigap
trade association
Be a part of the leading
trade association for over 1,200 Massachusetts independent
insurance agencies and their estimated 10,000 + employees.
The
trade group offers no - cost quotes for critical illness
insurance from a designated
Association professional.
«Men are more at risk of developing cancer to begin with,» explains Jesse Slome, executive director of the American
Association for Critical Illness
Insurance, the national
trade organization.
As a former Senior Vice President with the industry
trade association America's Health
Insurance Plans (AHIP), Aparna Higgins has extensive experience working on cost - related issues and affordability from the view of a health insura
Insurance Plans (AHIP), Aparna Higgins has extensive experience working on cost - related issues and affordability from the view of a health
insuranceinsurance plan.
The industry
trade association established in 2009 just announced a free membership campaign for
insurance and financial professionals.
Meanwhile, sales of long - term care
insurance saw a 20 % year - over-year decline in 2015, says Slome, who also is the director of the American Association of Long - Term Care Insurance tra
insurance saw a 20 % year - over-year decline in 2015, says Slome, who also is the director of the American
Association of Long - Term Care
Insurance tra
Insurance trade group.
Key findings from the 2017
Insurance Barometer report by the research trade association LIMRA and the non-profit life insurance awareness association LifeHappens.
Insurance Barometer report by the research
trade association LIMRA and the non-profit life
insurance awareness association LifeHappens.
insurance awareness
association LifeHappens.org show:
Anthem Blue Cross and Blue Shield is the
trade name of Community
Insurance Company, an independent licensee of the Blue Cross and Blue Shield
Association.
It is sponsored by Access America and researched with assistance from the US Travel
Insurance Association, a
trade organization.
The standard kind is bought per trip and «normally includes coverage for things like trip cancellation and delays, lost baggage, illness,» said Linda R. Kundell, a spokeswoman for the United States Travel
Insurance Association, a
trade group.
In a press release after the CPUC ruling, the
Association of California Insurance Companies, a trade association and lobbying group, said, «Both drivers and riders must understand that an accident in a ride - sharing vehicle will not be covered under a personal auto insurance pol
Association of California
Insurance Companies, a trade association and lobbying group, said, «Both drivers and riders must understand that an accident in a ride - sharing vehicle will not be covered under a personal auto insurance polic
Insurance Companies, a
trade association and lobbying group, said, «Both drivers and riders must understand that an accident in a ride - sharing vehicle will not be covered under a personal auto insurance pol
association and lobbying group, said, «Both drivers and riders must understand that an accident in a ride - sharing vehicle will not be covered under a personal auto
insurance polic
insurance policy.»
The
trade association and travel
insurance companies said it's difficult to say how many people are purchasing the policies because they want layoff
insurance.
«A well - working no - fault system is a good auto
insurance option for states,» says James Whittle, assistant general counsel for the American Insurance Association, a trade orga
insurance option for states,» says James Whittle, assistant general counsel for the American
Insurance Association, a trade orga
Insurance Association, a
trade organization.
December 1, 2009 — Nearly half of individuals purchasing critical illness
insurance protection were under age 45 according to the first national study of buyers conducted by the American Association for Critical Illness Insurance, the industry tra
insurance protection were under age 45 according to the first national study of buyers conducted by the American
Association for Critical Illness
Insurance, the industry tra
Insurance, the industry
trade group.
This year some 800,000 Americans will have a new coronary attack according to the American
Association for Critical Illness
Insurance, the industry
trade group.
Jesse Slome is executive director of the American
Association for Long - Term Care
Insurance < a href > http://www.aaltci.org and the American
Association for Critical Illness
Insurance < a href > http://www.criticalillnessinsuranceinfo.org leading national
trade organizations.
Some 692,000 American women are diagnosed annually with cancer in the United States according to the American
Association for Critical Illness
Insurance, the national
trade group.
Stroke is a leading critical illness according to the American
Association for Critical Illness
Insurance, the national
trade organization based in Los Angeles, California.
Recent studies suggest that the rate of stroke in patients with [narrowed carotid arteries without symptoms] is lower than the rates found in this trial, according to the highlighted report posted by the American
Association for Critical Illness
Insurance, the
trade group.
Reported by the American
Association for Critical Illness
Insurance, the national non-profit
trade organization.
«Heart disease and heart failure is no longer an immediate death sentence but the financial ramifications are enormous forcing many Americans into bankruptcy,» explains Jesse Slome, executive director of the American
Association for Critical Illness
Insurance, the national
trade organization.