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Insurance Regulatory Examiners Society
12710 S. Pflumm Rd., Suite 200 Olathe, Kansas 66062 913-768-4700 FAX 913-768-4900
E-mail: ireshq@swbell.net Web site: www.go-ires.org
Dear IRES Member:
Thank you for considering joining the IRES Research Pool.
The IRES Research Pool is a list of IRES members by areas of expertise who are willing and able to
volunteer their time to assist with the work being done by the various National Association of Insurance
Commissioners (NAIC) Committees, Task Forces, Working Groups and/or Subgroups. The general areas
of expertise contained in the IRES Research Pool are:
Annuities Medicare Supplement
Continuing Care Retirement Communities Other Lines of Business
Credit Insurance Property & Casualty
Health Settlements
Life Title
Long Term Care
When assistance may be needed, key IRES members will be able to offer to the various NAIC groups the
assistance of the IRES Research Pool. Upon the NAIC’s solicitation of input from a NAIC Committee,
Task Force, Working Group, and/or Subgroup, a key IRES member would provide the appropriate
NAIC’s working group chair with a list of subject matter experts who may be able to assist with the issue
at hand. Key IRES members will be those members who are in a position to offer the assistance of the
IRES Research Pool, because they regularly attend the NAIC meetings and/or serve on the various NAIC
Committees, Task Forces, Working Groups, and/or Subgroups that may need to utilize the Pool. The chair
of the working group may then contact IRES Research Pool volunteers to help research or draft
preliminary documents. While attendance at NAIC Quarterly meetings will NOT be necessary; the work
may require that specific deadlines be met depending on the circumstances related to the work at hand.
If you are interested in helping with this project by volunteering to be a part of the IRES Research Pool,
please complete the following survey and follow the directions in the survey to e-mail it to Jo LeDuc at
jo.leduc@wisconsin.gov.
If you have any questions or would like additional information about the IRES Research Pool, please
contact Doug Freeman at (636) 236-9642 or dafreeman18@aol.com.
Sincerely,
Polly Chan, IRES President
Doug Freeman, IRES Immediate Past President
Kirk Yeager, Chair, IRES Past Presidents Council
Bruce Ramge, IRES Past President
Dennis Shoop, IRES Board Member and 2008 CDS Co-Chair
Insurance Regulatory Examiners Society
12710 S. Pflumm Rd., Suite 200 Olathe, Kansas 66062 913-768-4700 FAX 913-768-4900
E-mail: ireshq@swbell.net Web site: www.go-ires.org
IRES Research Pool Volunteer Form
To volunteer to be a part of the IRES Research Pool, fill in the contact information section of the
following form and check all of those areas of expertise that you are willing and able to volunteer your
time to assist with the work being done by the various NAIC Committees, Task Forces, Working Groups
and/or Subgroups. Once completed, save a copy of the file on your computer and e-mail a copy of the file
to jo.leduc@wisconsin.gov by attaching it a new message.
Contact Information
Name:
Title:
Affiliation:
Telephone Number:
E-mail Address:
Subject Matter Areas of Expertise
Annuities
Arrangements sold on a group basis whereby an annuitant is guaranteed to receive a series
of payments commencing either immediately or at some future date. Including but not
Annuities -
limited to deferred non-variable, deferred variable, deferred non-variable & variable,
Group
immediate non-variable, immediate variable, immediate non-variable & variable and other
annuity products.
Arrangements sold on an individual basis whereby an annuitant is guaranteed to receive a
series of payments commencing either immediately or at some future date. Including but
Annuities -
not limited to deferred non-variable, deferred variable, deferred non-variable & variable,
Individual
immediate non-variable, immediate variable, immediate variable & non-variable, and other
annuity products.
Continuing Care Retirement Communities
Continuing Care
Senior housing arrangements that in addition to housing include some provision for skilled
Retirement
nursing care.
Communities
Credit Insurance
Coverage on a debtor in favor of a creditor to pay off or reduce the balance due on a
loan/credit transaction in the event of a covered loss. Including but not limited to Creditor-
Credit Insurance Placed, Personal Property, Credit Family Leave, and Personal Gap Insurance whether it is
Credit Disability, FMLA, Credit Life, Property, involuntary Unemployment or another type
of credit insurance
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IRES Research Pool Volunteer Form
Health
Accident & health contracts that may be issued only to “large groups” as that term is
defined in the state in which the contract will be delivered that provide benefits for losses
resulting from accident, sickness or medical condition. Including but not limited to
Health – Large
contracts covering accident and/or injury, dental/vision, disability income, hospital
Group
indemnity and/or hospital/surgical/medical expense, major medical – indemnity, major
medical - managed care, prescription drug, short term care, specified disease and/or
sickness and other large group products.
Accident & health contracts that may be issued only to “small groups” as that term is
defined in the state in which the contract will be delivered that provide benefits for losses
resulting from accident, sickness or medical condition. Including but not limited to
Health Insurance
contracts covering accident and/or injury, dental/vision, disability income, hospital
– Small Group
indemnity and/or hospital/surgical/medical expense, major medical – indemnity, major
medical - managed care, prescription drug, short term care, specified disease and/or
sickness and other large group products.
Accident & health contracts that may be issued only to individuals that provide benefits for
losses resulting from accident, sickness or medical condition. Including but not limited to
Health - contracts covering accident and/or injury, dental/vision, disability income, hospital
Individual indemnity and/or hospital/surgical/medical expense, major medical – indemnity, major
medical - managed care, prescription drug, short term care, specified disease and/or
sickness and other large group products.
Health - Coverage that may be extended to either a health plan or a self-insured employer plan that
Excess/Stop is designed to insure against the risk that any one claim will exceed a specific dollar
Loss amount or that an entire plan's losses will exceed a specific amount.
Life
Life insurance contracts sold on a group basis that provide a specified benefit amount to a
Life - Group named beneficiary upon the death of the insured. Including but not limited to endowments,
term, variable, whole, flexible premium adjustable life, and other life insurance products.
Life insurance contracts sold on an individual basis that provide a specified benefit amount
to a named beneficiary upon the death of the insured. Including but not limited to
Life - Individual
endowments, term, variable, whole, flexible premium adjustable life, and other life
insurance products.
Long Term Care
Insurance coverage sold on a group basis that includes long term care, nursing home, and
Long Term Care home care contracts that provide reimbursement for these services. Including but not
- Group limited to home health care only, comprehensive, nursing home, nursing home & home
health care, assisted living care, adult day care and other long term care products
Insurance coverage sold on an individual basis that includes long term care, nursing home,
Long Term Care and home care contracts that provide reimbursement for these services. Including but not
- Individual limited to home health care only, comprehensive, nursing home, nursing home & home
health care, assisted living care, adult day care and other long term care products
Medicate Supplement
Insurance coverage sold on a group basis to help fill the "gaps" in the protections granted
Medicare by the federal Medicare program. It may also cover some services and expenses not
Supplement - covered by Medicare. Also known as "Medigap" insurance. Including but not limited to
Group Pre-Standardized, Medicare Advantage, Medicare + Choice, Medicare Select, Standard
Plans, and other Medicare Supplement products.
Insurance coverage sold on an individual basis to help fill the "gaps" in the protections
Medicare granted by the federal Medicare program. It may also cover some services and expenses
Supplement - not covered by Medicare. Also known as "Medigap" insurance. Including but not limited to
Individual Pre-Standardized, Medicare Advantage, Medicare + Choice, Medicare Select, Standard
Plans, and other Medicare Supplement products.
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IRES Research Pool Volunteer Form
Other Lines of Business
Other Lines of
Coverages not described under previous Lines of Insurance.
Business
Please List:
Property & Casualty
Property insurance coverage sold to commercial ventures protecting the insured against
loss or damage to real or personal property from a variety of perils, including but not
Property –
limited to fire, lightening, business interruption, loss of rents, glass breakage, tornado,
Commercial
windstorm, hail, water damage, explosion, riot, civil commotion, rain, or damage from
aircraft or vehicles.
Property insurance coverage sold for personal, family or household purposes protecting the
insured against loss or damage to real or personal property from a variety of perils,
Property –
including, but not limited to, fire, lightening, business interruption, loss of rents, glass
Personal
breakage, tornado, windstorm, hail, water damage, explosion, riot, civil commotion, rain,
or damage from aircraft or vehicles.
Coverage protecting the insured against loss or damage to crops from a variety of perils,
Crop-Hail including but not limited to fire, lightening, loss of revenue, tornado, windstorm, hail,
flood, rain, or damage by insects.
Coverage protecting the insured against loss or damage to real or personal property from
Flood
flood.
A package policy combining real and personal property coverage with personal liability
coverage for both personal and business losses sold for personal, family or household
Farmowners
purposes. Coverage includes farm dwellings and their contents, barns, stables, other farm
structures and farm inland marine, such as mobile equipment and livestock.
A package policy combining real and personal property coverage with personal liability
coverage. Coverage applicable to the dwelling, appurtenant structures, unscheduled
Homeowners personal property and additional living expense are typical. Including but not limited to
condos, mobile homes at a fixed location, owner occupied dwellings, tenants and other
homeowner products.
The policy packages two or more insurance coverages protecting an enterprise from
various property and liability risk exposures. Frequently includes fire, allied lines, various
other coverages (e.g., difference in conditions) and liability coverage. Including but not
Commercial limited to multi-peril policies (other than farmowners, homeowners and automobile
Multiple Peril policies) that provide coverage for liability other than auto such as non-liability portion,
liability portion, builders’ risk policies, businessowners, commercial package policy ,
manufacturers output policies, e-commerce, commercial farm and ranch, other commercial
multiple peril products.
Mortgage Insurance that indemnifies a lender for loss upon foreclosure if a borrower fails to meet
Guaranty required mortgage payments.
Coverage for ocean and inland water transportation exposures; goods or cargoes; ships or
Ocean Marine
hulls; earnings; and liability.
Coverage for property that may be in transit, held by a bailee, at a fixed location, or
movable goods that are often at different locations (e.g., off-road constructions equipment),
or scheduled property (e.g., Homeowners Personal Property Floater) including items such
as live animals, property with antique or collector’s value, etc. Including but not limited to
Inland Marine
animal mortality, difference in conditions (DIC), EDP policies, instrumentalities of
transportation and communication (such as bridges, tunnels, piers, wharves, docks,
pipelines, power and phone lines, and radio and television towers), pet insurance plans,
other commercial inland marine, and other personal inland marine products.
A surety bond, insurance policy, or an indemnity contract (when issued by an insurer), or
Financial similar guaranty types under which loss is payable upon proof of occurrence of financial
Guaranty loss to an insured claimant, obligee or indemnitee as a result of failure to perform a
financial obligation.
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IRES Research Pool Volunteer Form
Property & Casualty (Continued)
Insurance coverage protecting a licensed health care provider or health care facility against
Medical legal liability resulting from the death or injury of any person due to the insured’s
Malpractice misconduct, negligence, or incompetence, in rendering or failure to render professional
services.
Property coverage for losses resulting from a sudden trembling or shaking of the earth,
Earthquake
including that caused by volcanic eruption.
Insurance that covers an employer’s liability for injuries, disability or death to persons in
Workers’
their employment, without regard to fault, as prescribed by state or federal workers’
Compensation
compensation laws and other statutes. Includes employer’s liability coverage.
Coverage protecting the insured against legal liability resulting from negligence,
carelessness, or a failure to act resulting in property damage or personal injury to others.
Including but not limited to Commercial General Liability, Completed Operations,
Comprehensive Personal Liability, Contractual Liability, Day Care Centers, Directors &
Officers Liability, Elevators and Escalators Liability, Employee Benefit Liability,
Other Liability
Employers Liability, Employment Practices Liability, Environmental Pollution Liability,
Fire Legal Liability, Kidnap & Ransom Liability, Liquor Liability, Municipal Liability,
Nuclear Energy Liability, Personal Injury Liability, Premises and Operations (OL&T and
M&C), Professional Errors and Omissions Liability, Umbrella and Excess (Commercial),
Umbrella and Excess (Personal), Veterinarian and other liability products.
Product Liability Coverage for losses or injuries caused by defect or malfunction of the product.
Coverage for privately owned motor vehicles and trailers, for use on public roads, not
Personal Auto owned or used for commercial purposes. Including but not limited to private passenger
auto, motorcycle, recreational vehicle (RV) and other personal auto products.
Coverage for motor vehicles owned by a business engaged in commerce that protects the
insured against financial loss because of legal liability for motor vehicle related injuries, or
Commercial
damage to the property of others caused by accidents arising out of the ownership,
Auto
maintenance, use, or care-custody & control of a motor vehicle. Including but not limited
to business auto, garage, and other commercial auto products.
Mechanical A contract that indemnifies or pays on behalf of an individual for the cost of repairing a
Breakdown vehicle related to a mechanical malfunction breakdown or failure of parts to perform as
Contracts expected.
Motor vehicle reimbursement insurance contracts that are greater than the lease or purchase
Motor Vehicle
price of a motor vehicle and provides repair or replacement indemnification for operational
Service
or structural failure due to motor vehicle defect in materials or workmanship or normal
Contracts
wear and tear, but shall not include mechanical breakdown insurance.
Other service contracts, such as extended warranties. Extended warranties are contracts
Other Service where the provider is obligated to repair, replace or perform maintenance on, or indemnify
Contracts or reimburse the holder for costs of repairing, replacing or performing maintenance on
goods described in the service contract that have an operational or structural failure.
Coverage for aircraft (hull) and their contents; aircraft owners’ and aircraft manufacturers
Aircraft
liability to passengers, airports and other third parties.
A bond or policy covering an employer’s loss resulting from an employee’s dishonest act
Fidelity
(e.g., loss of cash, securities, valuables, etc.)
A three-party agreement where the insurer agrees to pay a second party (the obligee) or
Surety make complete an obligation in response to the default, acts, or omissions of a third party
(the principal or obligor).
Coverage for property taken or destroyed by break-in and entering the insured’s premises;
Burglary & Theft burglary or theft; forgery or counterfeiting; fraud; and off-premises exposure. Includes
Fidelity and Surety coverage written as part of a Crime and Fidelity program.
Coverage for the failure of boilers, machinery and other electrical equipment. Benefits
Boiler and include (i) property of the insured, which has been directly damaged by the accident; (ii)
Machinery costs of temporary repairs and expediting expenses; and (iii) liability for damage to the
property of others. Coverage also includes inspection of the equipment.
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IRES Research Pool Volunteer Form
Property & Casualty (Continued)
Coverage purchased by manufacturers, merchants, educational institutions, or other
Credit –
providers of goods and services extending credit, for indemnification of losses or damages
Commercial
resulting from the nonpayment of debts owed to them for goods or services provided in the
Property
normal course of their business.
Settlements
Contracts or agreements in which a buyer agrees to purchase all or a part of a life insurance
Settlements
policy. Including but not limited to viatical and life settlement arrangements.
Title
Coverage that guarantees the validity of a title to real and personal property. Buyers of real
Title Insurance and personal property and mortgage lenders rely upon the coverage to protect them against
losses from undiscovered defects in existence when the policy is issued.
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