MIME-Version: 1.0 Content-Type: multipart/related; boundary="----=_NextPart_01C61EB6.BBF5B100" This document is a Web archive file. If you are seeing this message, this means your browser or editor doesn't support Web archive files. For more information on the Web archive format, go to http://officeupdate.microsoft.com/office/webarchive.htm ------=_NextPart_01C61EB6.BBF5B100 Content-Location: file:///C:/B15244C5/groupinsurance.htm Content-Transfer-Encoding: quoted-printable Content-Type: text/html; charset="us-ascii" Economics of Life and Health Insurance

This presentation contains content that your browser may not be able to = show properly. This presentation was optimized for more recent versions of Micro= soft Internet Explorer.

If you would like to proceed anyway, click here.

 ------=_NextPart_01C61EB6.BBF5B100 Content-Location: file:///C:/B15244C5/groupinsurance_files/master08.htm Content-Transfer-Encoding: quoted-printable Content-Type: text/html; charset="us-ascii"
Click to edit Master title style
Click to edit Master text styles
Second level
Third level
Fourth level
Fifth level
‹date/time›=
‹footer›
‹#›
------=_NextPart_01C61EB6.BBF5B100 Content-Location: file:///C:/B15244C5/groupinsurance_files/master08.xml Content-Transfer-Encoding: quoted-printable Content-Type: text/xml; charset="utf-8" ------=_NextPart_01C61EB6.BBF5B100 Content-Location: file:///C:/B15244C5/groupinsurance_files/preview.wmf Content-Transfer-Encoding: base64 Content-Type: image/x-wmf AQAJAAAD2QMAAAYAqgAAAAAABAAAAAMBCAAFAAAACwIAAAAABQAAAAwC7wLpAwMAAAAeAAcAAAD8 AgAA////AAAABAAAAC0BAAAIAAAA+gIFAAAAAAD///8ABAAAAC0BAQAMAAAAQAkhAPAAAAAAAAAA 7wLpA/////8IAAAA+gIAAAAAAAAAAAAABAAAAC0BAgAHAAAA/AIAAP///wAAAAQAAAAtAQMABAAA ACcB//8EAAAA8AEAAAMAAAAeAAcAAAD8AgAAmcyZAAAABAAAAC0BAAAEAAAALQEBAAwAAABACSEA 8AAAAAAAAADvAvUB/////wQAAAAtAQIABAAAAC0BAwAEAAAAJwH//wQAAADwAQAAAwAAAB4ABwAA APwCAAD///8AAAAEAAAALQEAAAQAAAAGAQEABAAAAC0BAQCqAAAAJANTALMAbACtAGwAqABsAKMA bQCeAG4AlABxAIoAdACBAHgAeAB+AHAAhABpAIoAYgCSAFwAmgBXAKIAUwCrAE8AtQBNAL8ATADE AEsAyQBLAM8ASwDUAEsA2QBLAN8ATADkAE0A6QBPAPMAUwD9AFcABgFcAA4BYgAWAWkAHgFwACQB eAAqAYEAMAGKADQBlAA4AZ4AOgGjADsBqAA8Aa0APAGzADwBGQI8AR4CPAEkAjwBKQI7AS4COgE4 AjgBQgI0AUsCMAFTAioBWwIkAWMCHgFpAhYBbwIOAXUCBgF5Av0AfQLzAH8C6QCAAuQAgQLfAIEC 2QCBAtQAgQLPAIECyQCAAsQAfwK/AH0CtQB5AqsAdQKiAG8CmgBpApIAYwKKAFsChABTAn4ASwJ4 AEICdAA4AnEALgJuACkCbQAkAmwAHgJsABkCbACzAGwABAAAAC0BAgAEAAAABgEBAAQAAAAtAQMA BAAAACcB//8EAAAA8AEAAAMAAAAeAAcAAAD8AgAAADNmAAAABAAAAC0BAAAEAAAABgEBAAQAAAAt AQEAFgAAACQDCQCHAxYChwMWAocDOQKHAzkCjQE5Ao0BOQKNARYCjQEWAocDFgIEAAAALQECAAQA AAAGAQEABAAAAC0BAwAEAAAAJwH//wMAAAAeAAQAAAAtAQAABAAAAAYBAQAEAAAALQEBACwAAAAk AxQAlAMWApcDFwKZAxgCnAMZAp4DGwKgAx4CoQMhAqIDJAKiAygCogMrAqEDLwKgAzECngM0ApwD NgKZAzgClwM5ApQDOQKGAzkChgMWApQDFgIEAAAALQECAAQAAAAGAQEABAAAAC0BAwAEAAAAJwH/ /xwAAAD7AvL/AAAAAAAAkAEAAAAAAEAAAEFyaWFsAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAA BAAAAC0BBAAEAAAALgEYAAQAAAACAQEABQAAAAkC////Ai4AAAAyCtcCQAEaAAAAU2F0dXJkYXks IEphbnVhcnkgMjEsIDIwMDYJAAgABAAIAAUABwAIAAcABAAEAAYACAAIAAcACAAFAAcAAwAIAAgA BAADAAgACAAHAAgABAAAAC4BAAAcAAAA+wIQAAcAAAAAALwCAAAAhgECAiJTeXN0ZW0AAAAAAAAY AAAAZGkTAAIAAADkBAAAAAAAAAQAAAAtAQUABAAAAPABBAAcAAAA+wLy/wAAAAAAAJABAAAAAABA AABBcmlhbAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAQAAAAtAQQABAAAAC4BGAAEAAAAAgEB AAUAAAAJAgAzZgInAAAAMgrXAhwDFQAAAENvcHlyaWdodCBNYWNNaW5uLm9yZwAKAAgACAAHAAUA AwAHAAgABAAEAAsACAAHAAsAAwAIAAgABAAHAAUACAAEAAAALgEAAAQAAAAtAQUABAAAAPABBAAc AAAA+wLy/wAAAAAAALwCAAAAAABAAABBcmlhbAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAQA AAAtAQQABAAAAC4BGAAEAAAAAgEBAAUAAAAJAv///wIJAAAAMgrZAhIAAQAAADGwCAAEAAAALgEA AAQAAAAtAQUABAAAAPABBAAcAAAA+wLO/wAAAAAAALwCAAAAAABAAABBcmlhbAAAAAAAAAAAAAAA AAAAAAAAAAAAAAAAAAAAAAQAAAAtAQQABAAAAC4BGAAEAAAAAgEBAAUAAAAJAgAzZgIeAAAAMgrl AEUBDwAAAEdyb3VwIEluc3VyYW5jZQAnABMAHwAeAB8ADgANAB4AHQAeABMAHAAeABwAHAAEAAAA LgEAAAQAAAAtAQUABAAAAPABBAAcAAAA+wLt/wAAAAAAAJABAAAAAABAAABBcmlhbAAAAAAAAAAA AAAAAAAAAAAAAAAAAAAAAAAAAAQAAAAtAQQABAAAAC4BGAAEAAAAAgEBAAUAAAAJAgAzZgIeAAAA Mgr9AY8CDwAAAFJpY2hhcmQgTWFjTWlubgAOAAQACgALAAoABgALAAYAEAAKAAsADwAFAAsACgAE AAAALgEAAAQAAAAtAQUABAAAAPABBAAIAAAA+gIAAAEAAAAAM2YCBAAAAC0BBAAFAAAAFAL/AY8C BQAAABMC/wElAwQAAAAtAQIABAAAAPABBAADAAAAAAA= ------=_NextPart_01C61EB6.BBF5B100 Content-Location: file:///C:/B15244C5/groupinsurance_files/master09.htm Content-Transfer-Encoding: quoted-printable Content-Type: text/html; charset="us-ascii"
Click to edit Master subtitle styl= e
= ‹date/time›
‹footer›
‹#›
Click to edit Master title style ------=_NextPart_01C61EB6.BBF5B100 Content-Location: file:///C:/B15244C5/groupinsurance_files/master09.xml Content-Transfer-Encoding: quoted-printable Content-Type: text/xml; charset="utf-8" ------=_NextPart_01C61EB6.BBF5B100 Content-Location: file:///C:/B15244C5/groupinsurance_files/master02.htm Content-Transfer-Encoding: quoted-printable Content-Type: text/html; charset="us-ascii"
‹header›
‹date/time&= #8250;
‹footer›
‹#›
------=_NextPart_01C61EB6.BBF5B100 Content-Location: file:///C:/B15244C5/groupinsurance_files/pres.xml Content-Transfer-Encoding: quoted-printable Content-Type: text/xml; charset="utf-8" ------=_NextPart_01C61EB6.BBF5B100 Content-Location: file:///C:/B15244C5/groupinsurance_files/sound001.wav Content-Transfer-Encoding: base64 Content-Type: audio/wav UklGRncdAABXQVZFZm10IBAAAAABAAEAESsAABErAAABAAgAZGF0YVMdAACAgICAgICAgICAgICA gICAgH6AgIB+fn5+gICAgH6AgICAgH5+fn6AgICAgICAfn5+gIB+fn5+foCAfn5+foCAgICAgH5+ foCAfn5+fn6AgICAgICAgICAfn6AgICAgH5+gIB+gIB+foCAfoCAgH6AfoCAgIB+fn6Afn6Afn5+ fn6AfoB+gICCfn6AgH58gH5+gH5+foCAgICCgICAfn6AfIB8gICAfH5+fn6AgICAgIB+gICAgIKA gIB+fn6Afnx+goB8gHx+eYCEfoCAgn5+hISAfoJ8foKAd4CAfH5+fHx8hIJ+gIB+foKAfoB+fn6A gH5+fH6Cgn5+gH58fIJ+fICAgICAhH58foCAfH5+gICChH6AgIB+fICAfoJ+fn5+fn5+fnx8fn5+ foCAfnx+gH58foB+fn5+fn5+gH5+foCAgICAgoCCgoCChIB+gICAgICAgH5+fn5+foB+foB+gICA foCAfHx8fn5+fnx8foCAfH6AeXx+gn58gIKAfoCAfHyEgoB+goJ5foR+gICAfoCEgHx+goKAgH5+ foB+fHl5fHyCgoJ8foB8foCAfn5+goKAfHl5gIB8goB+goKEfICEhISChH58gn6AgICAfoCAfn55 gH55eX5+fICAgHx+fnx+gHx8fH6AgH6Afn58foB+goKAhISHgoeEhIKCgnd+gH6Cfn55fICChIB+ fHmAhH53foR5d3l3eXN8fH5+goJ5gIeCfnyAfH6EhHl3foCCeXV+dXOEhIKEgnyAfI2LgoeHi4KH hIB8gIKAfnd1fH6CgH6EgICAgIKCfoSEgHx8gnV3gnx5d3l8eXl3eXl+eXd5fH58gIKCgnyEh3yC h4B+foKAh4R+goR+gn6Cgnx+goJ5foeCfoKEfIJ+gICCgH6EgoCAfn6CfnyAgoB8fH58gHd5bnl5 d4B5gHx+fH6CgoKChIB5fHd3dYKEfn5+gHmAgoKHgIJ+gISAhIKHhImHhHx5gISCfH6AeXl+gHyA goSEgoSCgnmEgoB+fHx8gIKChISEfnx5fn58gnyAdXd8d3x3dXx3eXx8eXl8foCAfH5+fn6CgoKH goCCh4CAfoB8hH6CgICChIeHfoCCgoKChIKAhIuCfICEeXl5eYB5fn58gn58fIB8gnl8eXN8goSE fIeCfneHhHx1fIR1hH51fnx+dYB5gnOCloCCcZR1fHN5h4mCgoSHh4J8hHx5fn6Ed3yEgImCd5J1 hHOChIR8foCAfoKHgIBzhHePd4t+h4B8foB+gHN8cYB8c353gnd8eYKAdYB5h3l8h4uCfnmCc4d5 hICEiXmJh4J5gH6AgI+Ji4KJgouAc3V1eXl3hHl3fnx+foBzfHmCgIB+hHmAgIl8hHeCfICCeYR8 foJ3gHmHfn58eXx3hH6EgnyHd4KAgoB8goCJgICChIJ+goKCfn5+foB8gn6HeXyAfoJ8goKChICA eYCCgH58fH55fn58d3V5goCJgoJ+fomCh4KChISCfICEgHl5eYB8foSEgHeHfnmAhId5hHmCcXyA cX55goB8i36HiXyEgoKAh3F5d3x8c4B1cYeCi4d5jXOUeZRzfIJ+knGLbIJ5fo1ud2yCiX6YgI1u go9sfHdxh4uAgICAc4JzeYB5eXOEd4uEi4CAfneCd4eEh4+Ad3eAgnyEfnd+gISHbp1zi3mAlmGE c3yAh2aWh1qHfmFzhHd5gHd5i4KaZqpooW55loKNVImHd26HYY1jfIJzfoSCmpp3gphdlHGfeXmo YYKhanV5oUvATbVqlotPlmhqqF+HbnyPcXGxWqhPtVhosz6+Pqhoc49mj12PWISYfqNhx0e+Vqxh kpZovGifc6xqknV1lFqafppabpJ+X4l1anF8YZRdi1qUeVaWfmhdjYt+mm6SlnmhlnyEfrGArICJ botqfGxYmIBxWnyJaGaNmmaPc3l5n35oi4t3aHxhkoluVouLiXF3n3FClmGxSV9dVnF1rJaNXYCd X3WSwIKjvJaun7WPo6afi4+qj4tWJoJHQGFzXVJYLEc5lGqUwICjRGxEc52HYXFjVlR1n4uYdWaW msuq1t1q2LWqmIm8rqGAkoJxh2G1N3xzSzVjXWOqQM+EgktYeU1qX9+YYU+oVjOHca5Wwp1Ud4ed WpqfsT5xgm5uc5RovJ2AkrGzqNaEtXmSY1J5bpRWroehaF+CT6hUfnWaVmyJqIdUj1aEN1iAc3F5 wmq3S8CHgKxSvkl5i36xd5Joh1RNPoJfd41aiYS8Y5SAibGCmGrAgLFupppHiS6CM1JPWIR3lHW8 gKOLiaGYi26aVoR1bndHjTNqXYmLd3l3n1ioWot+anlxj12md6GNcV+Ei2OfYZpoiXNWj1qUaKOL kpaCsXyEaJKHjZKNhHmPPnxxkn6AjXGAZp1WaHxuhICPUmZ8iXeHi42Jh49mmHGSao2NXapulHl+ fnOSc5ZxnXeJdWGacZZoiXyAfHydbIKJjYCScZSdfJ1jn25+gGZ8XXxzgF+WeXd+ZoRjj3Whi4KH fJZdh1p5h5KCh513qHeSgICSfJR1mmiPfI2JeYt1lF98bHyUd6Z1lGqNbHFjcYdqmmaWeY2Lc5Js mnmacZaSj6ZupnOheXx+d4Jhj3OLaHx5eYldhFaSX3V5go1ulmGWbIR8fpZ1mnGdaoJzdXxoiV+H bIdxh4RqjWyYdZKAkpaNjXGYeZJziYt1iWOWZoRoeX5ohGGYY4lqfnl+lm6UbJpxfnlsgF+CZo1o gn5zh3GLc5h8j3eHmnGJYY9sd3d1fmZ+bItmfnyHkn6PcZR3j4CAlHWUaJh5lHl8lGyPaph5knyA knmPaJJ1j3V3gm6LZo9uh2NqfHGPXY1zjXmEh3eUbI1slIKCgHePaI1ujXl8gH6dcY1ulIKAfG6J bI9uknyEh3mYc5JzjYKAhHOUdYtohHmAhG6Nc5Jxh3d+gHOPeZJsh3mEfG6CcZJziXmEh36HcYtz iX6EfnOEdYtxhHeHi36HcZJziXF8fHmHc49zi3WJhH6HdZZ3knWCgn6Jao1sjXWEh3yLbI91i3OA hH6Jbotxj3WEfnyLcY9zlHWJhICSbpJxlHWAfHyLc49qi3GEeXeHbotqj26AdXeLcYtmi3WHfHmH bo1oiW6Cd3eHbIlojXeHfHWNd5JujXWNgoCLdZRxlHeLfHmLd5Zsj3eSfn6HcZRuj3GJfHyCbIlq j26HdXd+bpJsiWqLgICJdZRxlnGPeYKHdZJoj2yLeX6AbI1ukmqHeYSJc4tqlG6Jc36AcYtuj2qE dYKEbotslnONd4SHeY9skm6LeYSHcY9xlG6Hc4CHdYtoj26LdX6Cc41qkmqJc4CJdYtolHONc3yC dY1ojWyLdYCEd41xlnWPeYKHfI9uj3GPeYKCdY9xkm6Ld4KCdYtsjXOPeYB+dY1si2yLd4CAc4ds jW6LdYCAeY9zkm6PeYeCc41xlG6LdYKCdYtsj2yNd4KCcY1ukmyJdYSCc4lqj2qLc4KAc49slGqN c4SEdYtslm6Pc4CCd41sj2yNdYSCdYlslHGLcYKEfI1sknGNeYKEdY1xlHGHcYKCd4dqj3GNc36A d41xj26LeYSEd4tuknOPc4CAeY1qiWqNd4B+cY1ulG6NdYKEeY9qj3GSeXyAc41uj2yHd4KHdY1u lHOPeX6Ed5JxjW6LfoKEc4lzknGJd4CEeYtsi26NeYCAc41zkmyEdYKEc4luj3GLd4CCeZJzj26J eYSEc4lxknOHc3yEd4lui3GNeYSAdYt1knOJd4KHd4lsjXOLeX6Cd41xjXOJeYKEd4lujXGJd36E dYtsi3OLd36Ec4tujXGHd3yCdY9ujXWJfH6HdY1zj3OLfHyHdY9ujXGHfn6Ec5JxjXWHd3yHd49x iXGHeXmAc41ui3GCfICHdYlxi3WJfnmHdY9zi3OEgnyEcY1xkneEfnyLdZJxiXWHgnmHbpJ1jXWA gHyNcYlxiXeHgnOJcY11i3N8gnmJcYtxjXyCfnWJc41xhHeCh3eHbod1i3l+gnmPdYlxiX6Eh3WJ cY93h3d8gnmLboRuh35+gnWJd41zgnmCh3mHbol3h4B8gHeNd4dzhICEh3WLd4t5hHx5h3eLdYdz h4J8gnWLdY11gn58h3WLcYd3hH55hHONdYt1goB8iXOJc4l5gH55hHWLdYR3gH55h3WJeYl8gIJ8 h3eHd4d8gIJ8h3eHd4d+gIB5h3WJd4R8foR5iXWJd4eAgIJ1iXWJd4J8foR1h3GEd4R+eYJ3iXeE dYCAfoR1hHWHeYB8d4R5h3eCeYSEfIJ3h3yJfH6AgIl8hHeCfoKCeYJ3h3mCd3yCfod3hHmHgoJ+ d4d8iXeAeYCEgIR1hHmHfHx+fIl8hHWAfoCCd4B1h3yCfHmAfol1gHWEgH6Cd4R8h3x8fH6Efod3 h4CHgnmAdYR8hHd+gICEeYR3h4CCgnmEfIl5fnmAgoCAdYJ8hHx+fnyCeYR8goB+fnmAeYR5hHx+ fnyHeYJ5gn58gHyHfIR+gHx+gHyEgIJ+gn6AfH6CeYJ5gnx+fnmCd4J5goCAgnmCfId5hHx5gHyJ fIJ8fnmAhH6CeYeAh358fneAfoSAgoB+gH6CeYJ3fnx+gnyCeYJ8gHl+fneEfId3gICChHeAfIeC hHx+goCHd353goB8gHmHgIl+gH6AhICEfId+gnx1fHyEfoB1foB+gnWEfoR+gH5+goCJeYB+goR+ fneAd4J1eYSEgnx+d4R+h3x5gHyLfIJ+foR8gnOCeYmAd3x8iX6HfoB+fol+gHeEeYSAfoJ3hHyE dXyAfoKCiX6HeX58fIB1gneCgH5+foB5h3mAeYKAgIl+h36EgoKHfoR+gnmCeX6CdYd1fHeEdXeA fIJ5jXeJfn6LeX58iXePfneLeYBujW6HfIB3fn6JbI1zgot8gJRxlGqPdX6EhH55fHeNcY11dYtz gHySdYKLdYR1h3OLjWaNgod+fn5qhG6EcYdujXyHdXeHgH6EfomHhJh1gIuAfn51gm6EaJRaiXWA gmqNdY+HjYeLlneSeXmLdYRuc255fHVzgHWAfIR5dYCChId3lHeSeYl+c4dukmiPaot8h4B1iYCC h4KJgo+CiX6Hfot5fHx1hHyCcXd3fH51d358gneEcYd8iXyCfomEgoB5hHeJdYeCfol3hHmAh3eP dYl8hH6Cd4B+gIJ1hHyCgIR8d3V+fn58fnx3eYJ8hHyEgHyEd4eAi3yCgn6Cc4l+h3yEfHmAeYRz fnyCgnmCgH58gIeAh4KCfISAi4B+fHeAgIlxd36EiXeCc4J8hIB5foCHhIeAfomAfnl5foR+hHmA gn6Ac4J5hICAfneEfod3eX6Ah3l8c3yAgH58goCJfHx1eYB+hHV+eYSEfoR8hISAgHyEhICHfn6A gIR5fnl8hHyEdYKEgoR3gH6CgnmCfISChIKCgIJ8eXl8gIKAeX6AhIlzgHGAfn6HdYR3h3x8fHmH fH5+d3mCh36EgIB+fnyCgIKHdYB3gIB3fneHeYSEh4J5hISCeYCCgHx+hHyHfH53gIJ3fHyJh4mA fHx5h3yHd3x8foR1gHmJfH58fH55goB+eYCAfoB5gHmEeXd8fol8h3yJfoKAfIJ+goJ8fnyCgoR8 fnx+hH6CeYeAh36AfoCNgIB5goKCfnWAfIB1gHx8gnyHdYB8gIB5dX6AgoB8gICAgnOAd4R+fn55 foCJfIB5hIB+gn6Ch4mHgIKChICAc3x8gn5+hHeAgIJ8c3x8gHx8fIKChIJ8fHmCgnx3gISEhHmA gomEd36JiX5+fIJ8gIuCeXx+fHl8foJ8h3eEgIJ5gHl8fIB8fneAhH53fHN8eX6AgIB+gICJh4eH foSCh4CCfICAc4J5gHyHeXmAhIt8lISEfn6HjYJ3eXF3d3V+foR3hICAeXGHdXNzgoSAfomJhHlz gHV5hH6CfHyAhIB8gHyCfImHgImAh4eEfH58h355fHyCfIKEj4l3fHyPhISAfoB3eYRzaoJhh2yH TZhslHWqjXOYhIlmYWhqj2ahlmiaZodhmqOAVIeAjXyzfGOJbIlxj4lzlGFuc52UeaNClFpPaouU XXWqqrxjqFR1h5ZsdZqulF2unWZ8bncxc3FUWp+hfp2WX3mSmHdqj7eUpp2jgHlxaG5NaGpacVaC Y118n4BSj42YhJKEnbGfnYSobnlui2h8WI13aHNslo9mYXWAcW6Sfomdi26HeXmHgol+bItodXd1 dXlzeWx+c4+HgHF3nYCAd593mJKJgm6Ymp2flJqWlHNjXXl8c25uY2N+andscYeAfJJ+i36PiZaA j3d8mI1xbIt1eWOAboJzgnxxjYCEh5iSjYKAgnyNbHluhIuCiWqLeYRjgo2CjXmCd4d3fIt+fGqH fG5+d4B+hHeLcYSHjYt3d3V+bHF3eZR5j3mEdXx+eYSHlJaYiY2UiYt1fHWCgHmAdYB5kndxY26A bndqiYCUgHmHeY2Hh4eCkn6Ud4dzi4R+dXmCdX5meYJ5jYCCeY15fnyCgn6Wgol8goJxdWh+c41x fH53iXeChISNiYmCfn6NgpKCgnl5mGqNdZR3dWZdbGhzcYd5h3lzc2p+X4ePiY+LnYePfHyAd42A moKPfIeCfHxxeXWNfoeNeYRoh3GAeW5+cYd3hICPh36CfoJ1fGx3anl1gHdqfnyAdXeAeZKAiXyS jY2PeXxsgHOHfICEh415fnOHhHmCcYd3i3yAhISJcYB1i4KEfnmLeYt5jXx+h26CbH5odXV1fHyN j5aJh42Ni4eLhJaLiXl3fHOCbHdseXd5d3N5fI+CgISHj4eCdXx8h3x5gHmHfH51eYJ+iYB8d4CA gnN1eXmEhI+EjY+HhHOHdXdubG51gIKEgIeAh4R3eXmAfIJ5gICEh35+fICAfn58gH6HeYB5gIR5 eXeAfIB8eXl3gHyHfImLjYuCiYCJd3l1dYB5gn6Hh4eHd4J3h4CCfoCEgod8eXmAeX53c3x5hHd+ d4CHgId3hICAfHVzc4KAgoKCjYmLfH58h4SAfoCLiY15gHyJh4J8dX58gHNxd4CAd351fH6AgHV+ fI+EgoB+iYSCfHd8fIB3eXyAeXxzhISEgH6AeYmUjX5seYmHgHx3cYeEhH6AiYSAc3d3goJ+d2Fm c36SiW53hImEfIJ8iYJzaImYmHdofH53hHxjcXWJeYCUmJZ1fm58h4eNd3xuiYmNiW53aoJ1eYR+ jXmLfHF3d4eHhIJ+gICHiY1+hH6AhISCgnlxhIuSh4R8eXNucXmNjYt8gIKJiYKAcXFzeYKHiXl5 c3N8h4d8fm5+dYKShICCgm5zboKCi4R+fnGWfoSAfnxzhG6JgouPhIlzlIKJfnV+bod3gHmAgnN+ bHx5gn55hICLhIl8foB8d255d4SCfHV1foKJfnx8foKAgn6HiY+HgIKCiYSAc358foB8fnl+c3Fs d3x+gHl+fpKLh4B8gHmAdXx8hId3eXOCfod5eYCAi4CHd4KEhIB1gH6LhIeAfId+hHd+fIKAeYB3 gH6CeXyAgod+gnyCiYJ+eYB+h3yAc3mAfn51fHyAfHd3eYKAiXx+foSLgId5iYSJhH6CfoR5fn6A hH6CeX5+goJ8gH6EfoB3fn6Egnd3dYB8fHd5fnl+d3l8gIKAgHyHgoR+fH6CgoB+fIJ+gHl5gIKH gH55gIKEgn6EgIR+gH6AhH6Cd3x8gH58fHd+fH55eX6Agnl8eYKEhH55gH6Hfn5+gISCfnl+gISC fH6CiYeJfH5+goB5eXyHgoJ3fICAgnl8fIKCfn53fICAeXd3goSEfnx+goeEfH58hIKAd3mAhIR8 fn6JhH55d36AhIB5foCEfnx5foCEeXx5goJ+fnV+fIJ+eYB+hH6Cfn6Hgod8fn6Agn5+eYKCgn58 gICAfnx8fICCfn58gIJ+fneCgIKCeYB8h4CAfnyHfIR3fIB+gnl+eYCCfnx3foCCgH58gICCfnx+ foJ8gH6CgIKAfIJ+hHx+fn6HfIR3fn6AhHmCfIeAfn58hICCfHx+goJ+eXmAgoR+fH6Agn6AeYCA hH58fn6Cfn55gIKAgHd+fISAfHx5gn5+eXyAgoR+fnyEhIJ8fH6Agn5+foCCgH55fH6Cfn58goSC gHl+foSAfHx5gn6Ad3x+gIJ5fnmCgoB+fIKEh4CAgIKEgoB8gIKEfnl5foKCfnl8foB8fHx+hH6A eX6CgoR8fnyCgH58eYKCgnx8fICCfnx8gIKHgH5+gIeCgHyChIKAfH5+gn58d3l+gIB5fn6CgH58 fIKAgnx+foKEgH55gICAgH6AfoKAgHyAgIB+fICAhIKAfoCCgIB8fn6CgH5+fIKAgHx+gICAfHx5 gICAfnyAgIJ8fHyAhICAfICAgn58foCEgIB8gIKCgH6AfoSAfnx8gICCeXx8gIB8fHmAfoJ8fH6C hIB+fIKCgoB8foCHgH58goKEgHx+gISAfnx+goCCeXx8gIJ8fHmAfoB8fICAgnx+fIKCgoB8gICH gH58foKAgHl+foSAfn5+hIKAfHyAgoR8fnyCgoB8fH6ChH58fICCgHx3gICEgH5+foJ+gHyAgIKC fH5+hIKAfH6AgoJ8fHyCgIB8fICAgnx+foKEgH58gH6CfHx+foJ8gHl+gICAeX5+hICAfn6CgoJ+ fn6CgH58fICAgnx+foCCfn58gICCfnyAgIR+fnl+gICAfIKAhH58fHyCfoB5fH6AgH5+foKAgn5+ gICCfoB+goKCfnyAgIJ8fn6Agn5+eYB+gn58fn6CfoB8foCCgHx+foJ+fnx+gICCfH5+goKAfnyC gIJ+fn6Agn5+eYB+gH58fn6Efn55foKCgHl+fIKAfnx8goCCfH6AgoSAgH6CgoJ+fH5+gn6AfIKC goB8gH6Cfn58foJ+gHyAfoKAfH58goCAfH6AgIJ8fnyCgIB+fICAhH6AfoCCgIB8gICCgH5+foJ+ gHl+foB+fH58gn6AfH6AgIJ8gH6CgICAfoKAgn5+foCCfH58gICAfnyAgIR+gHx+gICAfIB+gn5+ fn6CgIB8gH6AgH5+fIJ+gHx+gICCfH58goCAfnyAfoJ+fn6AgH5+fICAgoB+fn6CfoB8gICAgH6A foJ+gHx8gICCfH58gIB+gHyCfoJ8fn6AhICAfIKAgoB+gH6EgIB+gIKAgHmAfoGAfnx8gH6AeX58 gIB8fHmAgIB8fICAgX6AfIGBgIB+gYCBfn5+gYOAgX6AgIGAfn5+gYCAfH6AgIB8fHyAfn58fH5+ gHx+foCAgH58gICBfn5+gIF+fnyAgYGAfIB+gX5+fH6BgIB5fHmAgIB+fH58gHyAgYODfn58gYGD gHx+gIGAgX6AgICAfICAg4CAfn6AgIF+fn6Afn58fH5+fHh5fH5+fHx5gIOBgICAfoB+gH6BgYCA foGAgX6Afn6DgYF+g4ODgYCAgIGAgHp8gICBfn58gH5+enqAfoB8fHyAgHx8fICAgX58fHyBgIF8 foCBgH6BgYWBgHx8gICAfH5+gYCAgICBgIB8fHyAgYB+fICAgX58fn6BfoB6foCAgHyBfoGBgIB+ gYGBfn5+gIB+fXp+foB+foCAgX1+en5+fn59gICBfn5+gICAgH6AfoGAfn1+gX5+fYCAgYF+gH6B gYF+foCAgX6AfoGBgIB9gICAfn5+foB+fn2AgIB+fX1+gH19e31+fn59fn6AgIB+foCAgH1+foCA fX19gICBfoCAgYGAgH6BgYKBfoCAgoGBgIGBgYB9fn6BgH5+foCAgH1+foCAfX19gICAfX19foB+ fXt+fn59fX6AgYB+fX6AgIB9foCBgH5+gIGBgoCAgIGBgH59gICAfn1+foB+fn2AgIB+fX5+gH5+ foCBgIF+gICBgICAfoGAgH19foCAfoB+gICAfn1+foB+fn6AgH5+fH5+gH5+fX1+fn59foCAgH6A gIGBgICAgYGBgICAgoGAfn6AgIB+f3+AgH9/ ------=_NextPart_01C61EB6.BBF5B100 Content-Location: file:///C:/B15244C5/groupinsurance_files/slide0001.htm Content-Transfer-Encoding: quoted-printable Content-Type: text/html; charset="us-ascii" Economics of Life and Health Insurance
Saturday, January 21, 2006
Copyright MacMinn.org
1
Group Insurance
Richard Ma= cMinn
------=_NextPart_01C61EB6.BBF5B100 Content-Location: file:///C:/B15244C5/groupinsurance_files/master09_image001.gif Content-Transfer-Encoding: base64 Content-Type: image/gif R0lGODlhWAGSAXcAMSH+GlNvZnR3YXJlOiBNaWNyb3NvZnQgT2ZmaWNlACH5BAEAAAAALAAAAABX AZABgQAAAJnMmf///wECAwL/jI+py+0Po5y02ouzlqD7D4biSJZmuaXqyrbuC6fnTNd2GOf6zve+ dgsKh52f8YhMKi3EphO1jEqnVNjzigVUt9yud5ENE7/ksvkoTt/O7LZbpY7P3vS6vSHPk+78/lsP COI3SOgVeKhVqLiohBjICBnJ4wgoaXnJQqmHydnJpCnnKTqKBxpHippqepra6rmq5iqLCZs2extZ K4bLq6gb1hvs95slbGxHjHW87JZ8xQxt5vwUXW043WStXYWdvf291D0GTo4mLlSe7nOOru6ewx70 Pv8Sv0aPD2dfk98PtE/Dn8BPAE8MPMihoEGEDEsphNIwIoKHJiRaNEAR4sWG/xn3bIzYccRHkCFx jGRY0uTJgykFrWTZ0sNLmDETzfRXs8hNnDl38qzps19Om0HnDS2K7yhSoz2XvlPqVB3UqOWmUgVn 9eq2rJcEeP0KNqzYsWTLmj2LNq3atWzbun3rVhcmuHTr2r2LN6/evV5BSeILOLDgwYQLC0DEyLDi xYwbO65EyLHkyZQr080zyLLmzZw7s7rTObTo0Yx3gSaNOrXqu8DqrH4NO3ZaZW9k276N+5kb3Lx7 v3ay27fw4aG9mSGOPLnlcWWUO3/euB0Z6NSrD5Y33br27XjveeEOPvxbG1/Emz+Pll8X9Ozbhw3I xb389vCrzL+Pfs4W/PzFL/+k0l+A4FUEoIAGaqfREgcuWF2CSjAI4XMeRRFhhcqJJIWFGg6HoYIb ftibCBmCSKJtInpYYoqwqZSEii6uxuIRL86Ymkst0ohjcR88mGOPnO14o49CUgakjEMeKVmRRiDJ ZHQ6GdlklITJBKWUVgJG5ZJXbsnXkz9wCWZeXvoQZpl1jcmDmWqOR1QPa77JVptpwknnWXLuUGee ZN2pg55+gsVnDn8OGigMgxKq5aF6FvqCon4y6oKjfiYqKZ2UVvrmpZiqqemmZXbqKZighrrlqKRK CWkLp5qZKgurltmqq69yGesKs9Ja5a1R1qqCrlfymoKvVgK7gbC7ElussUj/ojmnskMyi6ezzyKr gbRCZmmqtSRi+6W2OHLbrbcuKpmtuBWSG66526Kbrrob2oiEu+uCW668/cWYq70M4puvvgKeiKK/ BwIcsMD3EsyjwQcjnLDC9004osPyOdiwxPlRXLHF/mGcscbb/WefxwOCXKDICOoXn8kN1peyys6R V57LF6oXs8zCYZedzbxJl7POsg3Rhs+xMXeG0DASXbTRo1FDh9KeMd2005UVc5rUTtLGh9WK2ZKZ 1oF91rXX3YWSmNhsbhKJ2Wo5wona7/lFitS/aFVVU3R/w9Xd0OSt9zJ8923M34AHI/jgvBRu+C2I Jy7L4oy34vjjqEQu+SiU/1f+it2Y93L55rRo7rnioIfe+OikQ2766ZOnrrrlrLeeOVCwu9L57IXU bvsguOfex+683+H773UEL/wfrxfPCPHIs6H88tIc7zwhzUf/xfTUd2H99Vtkrz0V3HcvxffghwP9 +HSIbz4S6KdvxPrsr1P++2e4L/8O9NcPT/z4V6///tj377/tATCA3hsgAcNnwAOST3YKbMP9GiiD BELQHAycYBkeaEEMYDCDBIkJBy8owQ/aL4QizF8FS8gNEqKwHipcYQs26EIHwDCGDJghDRVgwxtO pIU6/McJe0hBDwKxETwcYgdbYsQk5BCIS+xhE3X4xBtGkYZTjGEVXXjFFf9mEYVbLGEXRfjFD4aR g2PMYBkteMYJphGCa2xgGxX4xgPGkYBzDGAd/XfH/eURf3usXx/l98f3BZJ9g0xfIc13yPElEnyL 7F4jtffI60WSepOMXiWdd8nlZRJ5myxeJ4X3yd+FknejzF0pbXfK2aUSdqtsXStV98rTxZJ0swxd LT13y83lEnO7rFwvJffLxwWTccNMXDENd8zBJRNwy+xbM/X2zLtFk27T1Eo1r3JNqmQzKtt0SjeX 8k2khLMo4wxKOX1yzp2k8ybrnEk7X/LOlcTzJPMcST0/cs+N5PMi+7RIPyXyT5L8MImTKCJBEzLQ g5pQiArtQUA5YtCGyjC3ohKtIUUrisOLYnSHCd3oCh6KEo16NAAgRUhJacLQkbrgpANhqUBc+pOU qjQTIvUoTIVS043eNB87TUpOMdpTegSVKR2daQaG+pSfVhSp7mCqVJQqUaemQ6p1K6pRL0BVcmQV K1Bt6Fbx1lWFfnUrYT3oWLVxVmuktRprjUZb91ZWgr6VGXP1W1yTWNdj5DVwdzXiXoXxV8L1dYiB 5dxgmXhYJyYWiouVYmOp+FgrRhaLk9ViTgoAADs= ------=_NextPart_01C61EB6.BBF5B100 Content-Location: file:///C:/B15244C5/groupinsurance_files/master09_image002.gif Content-Transfer-Encoding: base64 Content-Type: image/gif R0lGODlhHgEUAHcAMSH+GlNvZnR3YXJlOiBNaWNyb3NvZnQgT2ZmaWNlACH5BAEAAAAALAAAAAAd ARMAgAAAAAAzZgJnjI+py+0Po5y02ouz3gf4z4XiSJbmiZYfkLbuC8eyCc72jef66O3+DwzmWMKi 8Yi0EJPMprO4fEqn1Kr1is1qt9yu9wsOi8fksvnsjaLXbJK6DY8r5fR6pGfP6w21vT++8ie4tuJR AAA7 ------=_NextPart_01C61EB6.BBF5B100 Content-Location: file:///C:/B15244C5/groupinsurance_files/slide0002.htm Content-Transfer-Encoding: quoted-printable Content-Type: text/html; charset="us-ascii" Economics of Life and Health Insurance
MacMinn
2
Objectives
<= span style=3D'mso-special-format:bullet;position:absolute;left:-4.19%;top:.3em; font-family:Wingdings;font-size:75%'>lConsider the circumstances th= at generated employee benefit plans
<= span style=3D'mso-special-format:bullet;position:absolute;left:-4.77%;top:.3em; font-family:Wingdings;font-size:75%'>lExplain how group and individ= ual underwriting differ
<= span style=3D'mso-special-format:bullet;position:absolute;left:-4.64%;top:.3em; font-family:Wingdings;font-size:75%'>lDescribe the advantages of gr= oup over individual insurance
<= span style=3D'mso-special-format:bullet;position:absolute;left:-4.03%;top:.3em; font-family:Wingdings;font-size:75%'>lReview the coverage and the specification of benefits for group life insurance
------=_NextPart_01C61EB6.BBF5B100 Content-Location: file:///C:/B15244C5/groupinsurance_files/master08_image003.gif Content-Transfer-Encoding: base64 Content-Type: image/gif R0lGODlhvwGSAXcAMSH+GlNvZnR3YXJlOiBNaWNyb3NvZnQgT2ZmaWNlACH5BAEAAAAALAAAAAC9 AZABgQAAAAAzZpnMmQECAwL/lI+py+0Po5y0Wgqy3rz7D4biSJbmiabqyrbcBcfyTNf24ub6zvf+ DzTdhsSi8egIKpfMpvNJQkqn1CoEis1qt1yQ9QsOE7vksvnsEqvX7Aj6DY/D2/R6W47P65v2vr+6 Fyg4uPJneDhEqLjIuIH4CHnROEmpF3mJmVS5yVmW+Qkq0DlKChV6GlmquvqD6nrIGivL8lrbN4ub O2LLe6f7C5zROywWbJxLnGx1zByr/CzVLF0KXV00jc1pvW2T7T3JHS7zTa4ofm5Rrh6I3i6xDo/n Pq8Zb39Gn69wz++p/y+qn0AtAP8NPGiqYD6EDJkoXNgwYquH8yRa5EGx4sWN/y0yuuMIUoXHdiFL Chl5zqRKEShTrnzZoaU4mDQ1yAxXs+ZNbjlp7tzWE+ZPa0FfDq1WdOVRaElVLn3W1ORTZVFLIqqK VaKhrFwb/ukK9uCtsGT72SmL9t7ZtGzV1WkLlxyduHSzza2Ll5mvvHyB7e0LeBabwIQFrymMeNXg xIw7LW4MGdzhyJQXPa6Mec/kzJzzbO4M+s3n0KTJjC6NOsvp1Kz5qGkN+8nq2LQxvq6N28fs3LxT 7O4NPMrt4MRP/C6O3NHw5Mw9HG9e/Dn04NKn965uPTf27LW3c4/t/Xvr8OJTky9f+jz60OrXd27v PjP8+JXn049s/37j/PoT8//vX9h/AAYm4IB9FWhgXggmWNeCDMbl4INtRShhWhRWWNaFGIal4YZd dehhViCGWNWIJDZl4olFpahiTyy2qNNyMOIn44z71WijfzjmGOCOPBLo448HBimkgkQW2eAFASzJ ZJNOPglllFJOSWWVVl6JZZZabslll15+CWaYYo5JZplcWmBmmmquyWabbr4JZ5xyzmllBXTeiWee eu7JZ59+gknBn4IOSmihhh6KaAATJMpoo44+CmmkTEogaaWWXopppmNSqmmnnn4KqqSchkpqqaae KmcEqK7Kaquuaqnqq7LOSiuqo9aKa666Pnrrrr7+CqyevQZLbLHGlrnoscr/LsssloE2C2200Nop bbXWAqvktdpu+2oM3H4LbqgvIsnRuOReZO65Wh2pLlvptsvQu/CKxe68ZMlrr1n15vvhvvyK6O+/ JQYsMIoEF7ziwQi7qPDCMRbjsIUNR2zUxBQ7ZfHFVmWsMUj4djzNxyA3I/LIx5RscjAop/zLyiwj w/HL8cYsM70Q15zwzTgzrPPOD4fhc1AuB00NzUTHM/TRjhmttFtMNy3X01B7k/TUkvVsdblSZy1N 1Vybs/XXJ4cttspkl93y2WjDjPXaCHnttmdqx+3M3HQrZvfdRbett1p5970034DDA/fgZhRuuGl/ J3410Iz7LfjjVC8uOdiR/1ceMuWYC4L45rJp7rkloIcuz+ikx9H56UqkrjoQrLeum+mwHy777Ipf brthuOde9+684+3773s7LrxftRefUPDIa3P88q4p7zwlr0dvXPPUBzH99cJBr73lxHevSvbge2H9 +DuIb35M5aefxvrs0+L++yLFLz8K6Nd/v/z5v78/+/2n/z/zBXB8AwRfAbt3QO0l8HoLpF4Do/dA 50VweRNEXgWLd0HhZfB3G+RdB3P3QduFcHYjhF0JW3dC1aXwdCskXQtD90LPxXBzM8RcDSt3Q8nl 8HE7ZFwPE/dDwwVxcEMEXBH7dkS9JfFuS6RbE+P2RLdFcW1TRFsVy3ZFsf9l8Wtb5FoXs/ZFq4Vx amOEWhmbdkalpfFoayRaG4P2Rp/FcWdzxFkda3ZHmeXxZXtkWR9T9keTBXJkgwRZITt2SI0l8mKL pFgjI/ZIh0VyYZNEWCULdkmBZfJfm+RXJ/P1SXuFcl6jhFcp23VKdaXyXKskVyuR9MoixVJIs/xR LXl0yxzl0ka7nFEvYfTLFgVTRcM8UTFJdMwQJdNDy9xQMzH0zApFU0LTfFA1GXTNBGXTQNscUDcB 9M3+hFM/47xPOelzzvik0z3rXE870fPO8sRTPPP8Tj25c8/s5NM6+5xOP6Hzz+YElDkDTU5BkXPQ 6NCvfifhHkPnsNCH7iJkohINQUKJc1HqULSiH8gocDx6nY1yVH0OHentvmdSzok0pcJYKUtByhuY aselKZUpbmzaHZqaFKe04Sl4dDpSn8JGqOMBKkeJyhqkmseoFVUqapyaHqZKFKqkoSp7pPpQq4Km AAA7 ------=_NextPart_01C61EB6.BBF5B100 Content-Location: file:///C:/B15244C5/groupinsurance_files/slide0017.htm Content-Transfer-Encoding: quoted-printable Content-Type: text/html; charset="us-ascii" Economics of Life and Health Insurance
MacMinn
3
Employee benefit plans
<= span style=3D'mso-special-format:bullet;position:absolute;left:-10.52%;top:.3em; font-family:Wingdings;font-size:75%'>lDefinition
<= span style=3D'mso-special-format:bullet;position:absolute;left:-10.52%;top:.3em; font-family:Wingdings;font-size:75%'>lRationale
<= span style=3D'mso-special-format:bullet;position:absolute;left:-10.17%;top:.3em; font-size:75%'>–Deferred income
<= span style=3D'mso-special-format:bullet;position:absolute;left:-10.17%;top:.3em; font-size:75%'>–Labor market competition <= /div>
<= span style=3D'mso-special-format:bullet;position:absolute;left:-10.52%;top:.3em; font-family:Wingdings;font-size:75%'>lU.S. benefit plans
lInternational benefit = plans
<= span style=3D'mso-special-format:bullet;position:absolute;left:-10.17%;top:.3em; font-size:75%'>–Multinational pooling
All forms of compensation other than salary and bonuses may be considered employee benefits.<= /span>
Deferring income till retirement allows the employee to avoid taxes on that income until then.
Competition in labor markets may also motivate the inclusion of employee benefits.
Benefits may help in hiring, increasing productivity, and reducing turnover; each may increase profit.
This does have implications for international trade. 
Since 1975 benefits have = grown from 30% to over 41% = of the payroll.
------=_NextPart_01C61EB6.BBF5B100 Content-Location: file:///C:/B15244C5/groupinsurance_files/slide0017_image004.emz Content-Transfer-Encoding: base64 Content-Type: image/x-emz H4sIAAAAAAACC+1ccWhV1xk/572oMavahWjzEmusxFabpmQzVQpOU0VDZ2M1lZJR92ZIfJ3YWGtW myHCIyu6TdyKaNNU2STUxToZs+gcnZDChgMrwz9KcV03HBujkCL7J1DLIPt9555z/e55976cm9yn G/jk8373nnPv9/3O933nnPvdcyKFEC+B5oKmgU6nhPiFFP7v0+eFWNgMWte2Xggprn9biPfLvLqB H66JtBDfxL3/torunzlN5N9NCzxAPAZaCMLjGmSLFPOpHJS6/4O/kNhtmqjuVtAmXXdRS5m4Tz9v QctMn6/HMwzf1JJSzypTZ/nVD7XM8MvKWoTPr9cy2kFtz7W2i/K1T88UKVEOfE1yqkchqsVtWRnN j4+PiyrNzwJVah7NLR4ClYMW3a47HnatQreV+Zk6XAaX7fPLcgrrbkkWFOIzqsh+l1I+u+gpsUfs EJ3KJyb7IxlfAa1mzzZ2XSj+M16nPEA8Qv8teatSXHpHNP327Urx+UCl6N6rIInp2h/pWdWo8wCO VIeORwcrxYdbpzUd/danohrXCGN69bQm4uGx6vwbw0KdUx16VvmpSkXbToumA5a+p/H8le999Npb 983wr23Cuar3k49eo8N9kFkN+mDjnCY6Lqz5NID3RTyXeKP/Yt32kvGwez7qepjted1QG8OuC7Sd ze89tPcv5f/Ps8s0/QrPHpaeU1TruFBRnM8L3p4pxkNWvpo938iie6Ji7XnqJ0A7QVnIuwjqlJ6v 7QS3C1cvyqw8LzslnRtZKM8vYc/hWDhG/vwG0C4RfP5O8TiuNQiSQ+em/i5dn/TJ6vpUh+pelERZ pduDWvbvdZ13dX/9MPj5rN38Lhz68bar1X3ITq1XJbPVcl22S7eNOTc68XtXyWD9lVb9lVb9+Vb9 Gqt+jVX/S0ufL0Sw/hcWlutW/Y+t+h9b9X9j1T9v1T9v1T9q1T9i1T9i1d9j1d9t1d9t1d9k1d9o 1d9o1X/cqt9g1W9gcTKD9TuC8S7xy/2f+1HcuObPCRsf6TeZmOWxamI3KkZKHZt3or0D4zrNhSLa e73uD2b7c5w1m0yXYPqKdJG+gsp4f2f3y225toJ+2ehFZRnGT2TX/aBGKJFn9tgPbj9mU3mU5NG2 dP4Iw0q/wauDAR3KLJ3Dxga6x8ilGKX52n4mdw+4Pbi6XxHxt8eAMjYGlLE2Mfr0DvYW6GN0oLIM 47kOBnuTj93DvRdkdFmv46Pct+e6TWE2lpaNJxoPljB7GzzGL0TNsgAe7hMcG9XLMN5gOwh6AYIP sfY9CO4g7HkIJYdwPBhiV9Ixyq7pCLvSPdyfKE4PFvhTVsk+qHh3u4qH2yLtSmUZxnMdDPasj93D nQcZXVztmkowdnNthXOqMLtSvQzjDTYa6x6A4GOsfY+AO4JR/BhKjgHXkRC7Xh0cjx2vdA/3pxo9 1gb9qUbJPqJ4d7sO9o5E2pXKMoznOhjsNT52D/chkNHF1a7pBON12bI2p3ilehnGG2wn6J0Sgk+y 9j0B7oSolydRchJ2PRFi11xuMHa80j3cn+qlJz/oT/VK9gnFu9u1rS26H6ayDOO5DgZ7vY/dw30M ZHRxtWtZgvEKIznFK9XLMN5gG9ZjzBnWvsPg8Iosz6DkDOw6HNYP53Kx45Xu4f5EY9pwgT81KdnD io/RD7cV6YfbWD/cFvRpg73Jx+7hPgkyurjadVqS46s1zkWOr+wdk49z50DPQvAF1r7nwJ0T7fIC Si7ArudC7Xo1/viKe7g/tUtPftCf2pXsc4qPY9fBInYdZHYdDOhgsLf72D3cZ0BGF1e7Tk9yfM05 jq85Nr7mbo+vl/T78ghr30vgLokFcgQlI7DrpbDx9eokxter4wF/WiA9+UF/WqBkX1J8jPF1sMj4 OsjG18GRgA4G+wIfu4f7Asjo4mrXGQnGa14fJ4rXPHtfy7P3nMugzRB8hbXvZXCXxRZ5BSVXYNfL IXYdt+S6xOs4k0v23CI9+UF/2qJkX1a8u11HQvQxOoww7COWDgb7Fh+7h3sEZHRxtWt5gvGqU4wT xivVyzDeYLsGehr0EWvfa+CuiQ249jQoK6+F2XVcxI5Xuof70wYtP+hPG8Q1RZ3Kts52HSli1xFm 15GgDgb7BmGwe7ivgIwurnYlC8qE4tXOUUTFq52vMNhGKe8DwTdZ+46CG8W84SZKbsKuozHzEmmH vMQNPWcZZXJvgLuBq6OKiC9tXuIGw97oY/dw/xNkdHHPSwTtOqX5cI3jfDgiLzGm381vsfYdAzcG e95CyS0cx2LmJVIOeYlRnQsYK/CnrJI9pvjS5iVGGfasj93DfRNkdHHPSyQXr3ZeIh0zL0FC54HS LD8sJDiZkWk5DwTEMl5eIu2QlyB7ZqQnP+hPGSWbZI6VOC9BOhjsGR+7h/sWSowu7nmJ5OLVzkuk YuYlKqT3bj6btW8F2rRC1svZ8iFQVlbIeHmJlENegsBSLqCiwJ/qlewKxZc2LyEY9nofu4c7DTK6 uOclkotXOy+RjpmXqJLeGFPN2rcK7VklG2W1bABlZZWMl5dIO+QlyJ40plUV+FOjkl2l+NLmJSoY 9kYfu4d7Nsjo4p6XSHB8tca5VMy8RJ303s0XsfatQ3vWyXa5SD4Lyso6GS8vkXLIS5A9KRdQV+BP 7Up2neJLm5eoYtjbfewe7mqQ0cU9L5Hg+JpzHF8j8hJLmb+a9l2K9lwqa5XnNsKuS2W8vETaIS9B 9qyVnvygP9Uq2UsVX9q8RB3DXutj93AvAhld3PMSycWrnZdIxcxLNGufXcHatxnt2Qw/XQGfXQG7 Nst4eYmUQ15iqY6R5gJ/aleymxVf2rzEUoa93cfu4W4EGV3c8xLJxaudl0jHzEvQGp0WHNew9l2F 9lwl1+JaCygrV8l4eYm0Q16C7LlWyw/601qxSlGnsm0p8xLNDPtaYbB7uFeAjC7ueYmUslep1k7E yUt0QOgy0FbWvh1ozw65XG6Vy0BZ2SGTXy+xkdZsSU++kbsRcjZCboci4kubl9jIsC/3sXu420FG F/e8RNCud3O9RJf03s1zrH270J5dsGdOvgDKyi6Z/HqJDr2uqavAn7JKdpfiS5uX6GDYsz52D/dW kNHFPS+RXLxOdb1Ej/S+abzC2rcH7dmDWcMrcj4oK3tk8usluvRcuKfAn+qU7B7FlzYv0cWw1/nY Pdw5kNHFPS+RXLxOdb1En57n72Pt24f27JOL5T7MCvfBrn0y+fUSZM/F0pMf9KfFSnaf4kubl+hh 2Bf72D3cr4CMLu55ieTidarrJfr1GHOAtW8/2rMf48oBjDEHYNd+mfx6iT49pvUX+NNyJbtf8aXN S/Qx7Mt97B7ufSCji3teIsHxdYrrJQ5D6DrQG6x9D6M9D8tW+YZcB8rKwzL59RJkz1bpyQ/6U6uS fVjxpc1L9DPsrT52D/cBkNHFPS+R4Pg6xfUSA/rd/Dhr3wG05wDex4/j3fw47Dogk18vcVjnAgYK /KlWyR5QfGnzEocZ9lofu4f7DZDRxT0vkVy8TnW9xJD05vunWPsOoT2H5GZ5CjP9U7DrkEx+vQTZ k9YqDBX402Yle0jxpc1LDDDsm33sHu7jIKOLe14iuXid6nqJs9QX4fhr1r5n0Z5nZSuurQNl5VmZ /HoJsmerlh/0p1ZxVlGnsm0p8xJDDHurMNg93KdARpcwu0bpxfedcD93tbW9J4zv7QnbH2b2H9n3 mfKcPo/aL5bT51H7w3L6PGo/WE6fR+3/yunzqP1eOX0etb8rp8+j9nPl9HnU/q2cPo/ar5XT53y+ skXvw6b9Qc+Rf+L4st6vKz4Ta4D4KVNGPvOMtYd1XP86lJ89DmpSNp7l+YU6mv03XFaTlvVMiKwm B1lPOMjarfeXz9ayHrVkmbLpE8j6GkM2y0He58KTVx4i73PhIu+JWPKuaHn/EoXyrjjI+3pMfKe1 vD+EyDvtJC8evgNa3lCIvAMO8pbFxNet5eVD5HU7yYuHb42Wlw2Rt8ZBXnNMfAu1vJUh8hY6yZsY X1QffV4W9tG8nM5zrPy6VX7dKl8vg+XrZbD8vCyUT+VbtC0P6pzC+zj+yIpXU1ZWpD22qHh9Ev+a ffyGjIwx/ZwlslDGWCwZT0TK6NL5tjdDZJgyNxnLC2SE7S+Ns6c0PYW9/ndDJu2Bjdo72mDt8TV/ t6RUe3BdcNj7jf+XdDFzwbIic8GyCd7n7O9HxdayTmS3D6HAV3H8RHp9XdTfU+Dzz3mar9bx9kPQ 32l9Fp2nPIw83qiM2rSiSLxtU3O57eJ7Yoc69oB24Wym1r1c96nmfK4+ztFl89he7CTtnbbeK+6m 701Vl7i5hNCc1yS/cbn44Sbth9+ZpB+e1H5I6+D34eHbQ/xwm34fj/LD76o5+Q68G2xHPOyAD/aK V2k3OrguXJuh/bCcjfMztB8af5zJeDNmlMo/y6z3/7vpn1PVJYmciP2tLionYn+rc/HPn2r//Nkk /bNP+yf1l0/i4e+E+OfPtT9F+Sf9LS7qG7vhm13670PxvpDPO2dYfmfr87rWh/TYDH0+CNHnd9qf i/XbhVFyd2MiFXPeU8qYmKouScwX7O+cacf11y4x8ScdE3+dZEwc1T74RxwP4eH/CPHBv+l7onyQ 5vuvwvNo1rAbEfGy+L4/f5jDfG4ui5E5DvOIKF1Jxx+kvFy1reuXDrp2QUPSdLuKm04153kZvNFj rhU7s6w5kMF0b85zh+Y8k1zn7hI/s6QXP/Pl1Obe06U3914kC33yQXnn5t5RYx7pRWPeqhD9npQT j3kUJ3vVSPOi6LXex3lM3Jtr3bm5lv093mWuRfe4xMUzOi5emGRcnNd+R9/ah1Jezsv2u6363TfK 73arHGEnvK4b7wIUGb2IioWq596j+uxu5YtzLD/ksWL327N02Z3y2XtzoeBcyF5r4DIXontcfPaQ 9tm3J+mzp7XPvg76MR5+MsRnaX3BnCI+S+8De+GzXWxe0Sseg9f2qjeGnVbfGTav4O+1di67WF// ktaf9K5Ned/Mbf0vOnzLegnxRb39dkt2qd8b7s17klm/4RIrV3Ss/HmSsdId4ju2r33ikOPvQVT0 Ii7mFvHze3OI4t8HXNZB8L7f1nGm/hZlnlv072lDn0n/LW7r3vXq253n0/S3zR9tEaLex5pfrT95 5jlv1vTcr+9Jtdz2k9na94UuJ/6/9Rxt+NhdAAB= ------=_NextPart_01C61EB6.BBF5B100 Content-Location: file:///C:/B15244C5/groupinsurance_files/slide0017_image005.gif Content-Transfer-Encoding: base64 Content-Type: image/gif R0lGODlh8QCVAHcAMSH+GlNvZnR3YXJlOiBNaWNyb3NvZnQgT2ZmaWNlACH5BAEAAAAALAgAAwDm AJEAhAAAAAwbMAseNwshPQgrVQYvXgolRwcuWwonSwkqUgctWAsjQgkoTgAzZgUwYAMxYwBmZgBm zE1mTWZNgGZmmYCAAJnMmcyZ/8zM//8AAP//AAECAwECAwECAwECAwECAwX/ICCOZGmeaKqubOu+ sNvMdG3feK7vfD/HwKBwSCyqGsakcoRcOp/QKKn5IjytT6p0y+22tF8AmDg2lr3otBSJExcKhoZB THMXAPF5o3Dgi/IiDQcNVnVOZ2qJimRiFo6ObAMADgEOgWJikpOVYgINniKUlpmgmFmLqKlDbI+Q poZspnSxsbOXr1CIqru8TI2ttQ+cmLUAwpa0Ise3TbpCzr3Ri6zApoAAb8WAyXhyzCJvp9LjvWw3 5EDQ6OtR6uxHAAFNnloI3vZzAASEAAea7wBRuAtoAsk+EQkSlHAwwBLDUZEOEJxYYiDFQAMGhWqg 0Be3fQT8VfRBsqTJkyhT//7wdfGFoAFaYhKTBSAjSFsto8nM+aWGsQAPSDyc1JCEv1oree7aqRSe KXsIrDWIGieqiIz6+NFpunQKV6eHLH495HXsCbE9zU4rq5btkqRt0TCNS1MJXJ4+1cyNi5bF3ZY1 KvR95pZvrsHlNGhoIHiNDZqIASKRJwIfCcuWs1oRGShyirztFDP2/Fl0471tDTYZOmIo64hTSBcE ncu07LO2IdNlkrGZ7o+EOHdWyUM0cZK2jxdfLBguomIO7lRc99K3TG5XD9w0dMj4lga5QzMvRuwc Uhr5mA3Coh2XHXsKxKzvZvWaS5+sQxXN3w/mq9tTeLdGeLWN95t5sjQgSv9ZDQxQSgNB+ZbJT5GA 8oAAoywIg4RVSUXVVCNgddNWWQgo3mgDGngdglTQJmETBSDzDQALFIAUZH+tACATOwZiYoEonnia V20UA+EwMzbxABsBPBgIKL5dGNRPo7h0GJA9BmigkOSZ85iR9rnXRAISJSCIhAdo5FuH3aQnw5Ul LpYlEwTGieKKj32VZY5FgCfnd3V2p2JhqcEpKJ9J+BkkkEOytFsDDGhFz2X3eKNZfzxiCeiWjHa5 WyAFlJLQQvsVRQxWmdo5p4+c2tnoLY+KgYUDHBE5k2bCkXjoqmIE+lZuqKmlpFvJaGETP8otl2wP yS2LQ7OECkvJlMJMqZ//Q6aKcNR/mqa4qKuefjoViABA5SF9IUo0IqKr/Aiut6/WVWgWe7p7aGNc 6iauob/+Ce+qisbLqyp71utvvvkGa1bB3SLcqb6x0tvwwwlHuzC/dtnb77f3hvtopFhkVlml+dwk HLvPaJxxqx1DTNcepfDnmqmwpbrrphxvLHCfsJ6VCBtYeApcSP/M4mwNxh397HhK2wCtR+bx4Ueb eDxg4yVswicvF8Peegl2NWmHLMpBKMprwAADS+QFbLPNhicxc8KQf5hcOIow5HmhIFDXClVqlf2d N/G7FXvUttszNfPDizTVmHcX49YHYhMdshn2pbpufLavK9+59uHFKiP3/wB0IyHlk49zjXGiKrPO ss5CH35B6FQbYPWa5KaZ+nerm9G67693vnMbevbe5+/HB++6546+bDwZyEOvPPDM92yYxKrijO/D Cm9NEcPZ/yt+92zM10/QX7+htXz8VG5pLpF2NOkImFlq8j9kpxN9u9MnX733p3rQlKwjCbxhxEIY 2gTgDmFAAIzKb9iCSCYkYjPNaS9tg2redCQUo280wXEe5BHAAJDASdTKI7cCSa6ahjQ5sbCFo3nh DJ5mPVuZYkmBaBJSnFQ3AQRlGe3ABgOIlTgSHKsQ+YuB2S44PovdakwUNJOatKURXLjPTYdgQJWq BUGiAG5bihtcywpXQ/9hLakJ5qIciCwnIq0kcUP7S1n/pPe/gaUCfDcTHxkBWDzs5dFh7+peH8Mi Rtg1UYPzImT4ANkyQb4DC595Hv/eqL85TnJnkBNHJP1oQT1yj0gIIsZ8rrGHPlBwDw/QA40ecKFQ TMINpvyDpc6ERF1A6oQiKxfJRHC/CnZuc5aUYx3FQIFiFvNGDQKFhj7BTIwUBQlzG4UCGBAfZsYN Ig6S0GcaKLO/fQ1VnSmk8DA4zAYY85i4sM5KuGEd9yCAAENk5zpnFMkSCi2FwcGfDM22T7Ttk4bE OCcFmASlSwCRnaSTUTSv0qAiUilJOhLi12xFniOGc5EU+6RHBIoEKd7/iJRPPEAqMbEAVgqAJdwA qSnC8RkttiZbXozpCMB40T9mNJBE4ijPWCCdXJxRllFR44escrl1GYySSuTc8oZ3DkboCItvkaQw gZmzcbrseoq0KeE0WsZUQHKnWe0kIw3pyJ/JBo9ivWkjndihkraylFNzw0i3Yb7z6TI+OHHrSWn5 Jk7+kol7RITdiPJMuLUooQokRYt+SJmLLjSZ7kDCAKY0v5HNITO9rGlat4pTRDqqnUb62uJg1UEQ XrSdfPTKQRzYkZdG8JsU1OxfPdnZrhrDh4SVkZEQuwxt4rCZjkWsNiNqClq1tohNUGHR/ulC5sZQ hgBFRFtN6lD5zNUb/9okUz+qiI0PUne4TpkL7bKzHaR+IY5lUyr1MGmGcUiIi66Vqbb8E0aMcnat ni2be2+RRqCiKzuYM69f0FvJqi7VY87z6/Kour3aprYpaJ3tWK1aVqVEeMGA5eqDS/DVJHQ4UVJN 78HUSlYnCmTDfSWLgqnHYHIy9Utv2EYd9nCHbUiNgqScD3fsEuICt/iQX4OAkIUcicQmThMLsuZq hgFZ266iJlPKZf1Kxo+THfXHgRXDkIn8H9CK0KGwoGdUV9vN154qtpkbyY4HPGKB0GY261SvEmGh No9sGQLBYLLXenurg4qZx+mkqCmUG5sXJs25zYEu065z51pcIxuy2P/GrVQKo54CGrUTrajYaimQ tiEqT0s8gqfP0AAMmDrOc8xTQUyNAVSXs6lckVCZ5Rs4bp1l1Gsu9ambgbwG4Pouum41r/tXgwmQ mtWuZm+ChXouNqrLjaT+NRiC7Wpn+Nptb6b2sA0cCGxnG9nbVjZW3xJttx1z2uBmFcquPbtzVyTd vSK2t3MNb7RdNZHk7rS5B4ruXavb2p529xTqLedrm1PgTCB4Bp3sF3ZcuNv7BrbCnZMXdh/cPBNv cEH2ze93+zvew0xBe9ZnACuslq9xqGJ79HIlUAec3z7R9r8Lvc6XY/zj9v4MxyWO8zo7GUIUGsEP m5FNwjbDWnI5TFP/LX7umE88JpBohs2HvLiM23Ln/Ra2usVdgtJeTQTTVADjOLjATNKrAY+oecSp zoanTyHqEG/3QNkuBqvTnA1Yd3rPF87H35ZCl/b4xtyUZMfpkKCyurys/aqsT7TDXQxTJ3Lb9+6c xzN97pKvO+W3VwMJ4F3uMJ+x3QWpXd2NQB6Nxd1qtctyEjwwvq+ZYKHTLvW1Z17mIIe6BdQu9wbQ Hfc5/0UDPA950Pv+9qM38TMCwDdUgMG4gk5uPkXo+N3XIPJ4pgG4aXBoGkSdBtivwfZnuOgZQMLz M9g522cwfn9WOAaRep8iynAdr4XNqNXn/cV/73YmWD78k6d1IMd5/+f3eQeHedmneQJob++XE2AA X33DHzQ1C7QXd/uHfJSne/p3TPy3eS1SgMV3gMeXgMDncyjmgCXQX+jibAFmfv9neyTYf4Hwgr3X gQtIII43fAZoTCMofh54b8KidBVYfDWIgTc4YjlYe0UYgz84g7tHfAbHg+tXgnxXeCbwYZpEbvmn hBfIhEdYedZngRxohMn2gU+4g2OIZxEQAVQYchtieFYShz4zh2GxhWKIgD74hRrIhWmYh07DKTkI hepHZGuobdxXhUYzYwUwUlpDObfDBOFwDSsHC4s4BzZ2B0igV1XzdSvHcGXjgmFIhF3ohzC0h3fY g9q3a4e4KIGIhv94WIjtZ4JssIa0GAlFYUCrQTqHFQpMZi2HtR+c0FCYsFCDFwhIVzB2KIp9CIuq SH5guIGvyIbIlgHUGHytGIJSSIjSeGrUmAEMSCS0WIi4AEKMAyuG0EHmKFqhhVowAjjIOISX14PM 2GrdGGpOCI3yuI30WI04CIJRuIz62AD1KItiEI5smAmFVQvFCCtAhEPmyFvB6AvEqIvKsBdStkuX YmVbCH4w2ADzKJD8iITfl34d+ZEDCYgFSJIiSHUmGZLlZJDlM1Km54hfF2mWwnrYIB2CcF2qdAma aDtfh5N1MWux1yBo5n0jGY8sGZAniQNJGX4t6Y3N4oI2MIhqyJT/LplooPQlehNENpRpgzZ9w9FP ZFmWOuBEhTcn0/Yb9mdRJ+hUZheXnmhhpAI4M/NF9PUpBKOXYNAhzMaCI6KXa7EvgjkWVjh/hWmY fJmYg5RgajBZWUFl+dBYQwCZ+yCZJCRgRhQUl8lL3hAHx5VijpkGB/EJEFFCqzUEpWlPCfR6qvk2 p+kQJfSGhPkz+uCQBIBDvdFeuZlcOAR9PNObvPRbhFGbracb2wJWTEEaLUIkD4CFxBUxtjlYt4UM a5YO1akMCQSBT0adg+UAfyeHo5kGHXWT78OcDmSeikdUT2Ym+eCe3QCdYDGejAkYi1mfdLkE8mmb +IkXiaiZmlkQtgIaBv2JgsF2anhgcpGCVx2yPoagiXxlVyfQHsyGBAdwUvNZoBMRgAhqDMbQQIPV QCTyWEUnBkg3BRGincgQV5ukod+jgB0adqZFBaZFIuwIDmWHo+4hBgpwonToogTBoa02MvZQCqcD XCMqXLfgkCZAnLeVohcanUAaEELaBKhneuiCpd0lAhB6C6wHBtpVoQ4EVXA4pZLxn4fZD7lgpkF6 n2z6Dml6nG9KHW46p+hglnhqAyEAADs= ------=_NextPart_01C61EB6.BBF5B100 Content-Location: file:///C:/B15244C5/groupinsurance_files/slide0018.htm Content-Transfer-Encoding: quoted-printable Content-Type: text/html; charset="us-ascii" Economics of Life and Health Insurance
MacMinn
4
Group insurance fundamentals
lThe noti= on of group insurance
lDistingu= ishing characteristics
lUnderwri= ting
lPolicy&#= 13;
–Cost
–Flexibility <= /div>
–Experience rating
lCosts and benefits
l
Group insurance is a = contract through which a = group of persons are = provided insurance coverage with a single = contract.  The notion of a group is changing.
These are
1.Group rather than individual underwriting
= 2.Use of a master contract
3.Lower administrative expense
4.Flexibility in contract design
= 5.Use of experience rating
Group insurance = is a contract through which a group of persons are provided insurance coverage with a single contract.  The notion of a group is changing.

Distinguishing characteristics are
1.Group rather than individual underwriting
2.Use of a master contract
3.Lower administrative expense
4.Flexibility in contract design
5.Use of experience rating

------=_NextPart_01C61EB6.BBF5B100 Content-Location: file:///C:/B15244C5/groupinsurance_files/slide0021.htm Content-Transfer-Encoding: quoted-printable Content-Type: text/html; charset="us-ascii" Economics of Life and Health Insurance
MacMinn
5
Group underwriting
lGroup underwri= ting replaces individual underwriting and the former requires no proof of insurability; benefits= are not subject to limitations
lAdverse select= ion must be controlled to ensure homogeneity of risks in the group
–= A group must display the following features to pro= vide some assurance that t= he adverse selection problem is controlled.
lInsurance inci= dental to the group
lFlow of persons through the group
lAutomatic determination of benefits
–Cafeteria plans
lMinimum participation in the group
lThird party co= st sharing
lEfficient administrative organization
------=_NextPart_01C61EB6.BBF5B100 Content-Location: file:///C:/B15244C5/groupinsurance_files/slide0022.htm Content-Transfer-Encoding: quoted-printable Content-Type: text/html; charset="us-ascii" Economics of Life and Health Insurance
MacMinn
6
Group policy
lThe group policy, equivalently, contract is held by the owner as gro= up policyholder and summary evidence of insurance is held by participants
lThe contracts have the following characteristics:
–Lower cost
–Flexibility <= /div>
–Experience rating=
The premiums are based on the actuarial assessment of the group; healthy individuals may be able to buy insurance cheaper.  = Subsidization by the employer is a <= span style=3D'position:absolute;top:71.42%;left:0%;width:98.78%;height:14.28%'>= critical factor in the construction of = the group policy.
The experience rating is a premium <= span style=3D'position:absolute;top:12.5%;left:0%;width:96.79%;height:12.5%'>adjustment process based on the actuarial <= /span>experience of the group.  The larger the group the more weight is attached to its own experience in a single year.  The larger employers then have a vested interest in maintaining favorable loss and expense records.
The premiums are= based on the actuarial assessment of the group; healthy individuals may be able to= buy insurance cheaper.  Subsidiz= ation by the employer is a critical factor in the construction of the group pol= icy.

The experience r= ating is a premium adjustment process based on the actuarial experience of the group.  The larger the group= the more weight is attached to its own experience in a single year.  The larger employers then have a vested interest in maintaining favorable loss and expense records.=

------=_NextPart_01C61EB6.BBF5B100 Content-Location: file:///C:/B15244C5/groupinsurance_files/slide0023.htm Content-Transfer-Encoding: quoted-printable Content-Type: text/html; charset="us-ascii" Economics of Life and Health Insurance
MacMinn
7
Benefits and costs of the group mechanism
lBenefits <= /span>
–It is an effective mass distribution method that e= xtends coverage of life and health insurance
–= It provides coverage to otherwise uninsurable individuals
–It is often subsidized by the employer =
–It receives favorable tax treatment
lCosts
–The coverage is temporary (also see = COBRA)
–Retiree group health insurance may only be provide= d as a supplement to Medicare
–The transition to individual life and health provi= des less flexibility at generally greater cost
COBRA is Consoli= dated Omnibus Budget Reconciliation Act of 1986
------=_NextPart_01C61EB6.BBF5B100 Content-Location: file:///C:/B15244C5/groupinsurance_files/slide0019.htm Content-Transfer-Encoding: quoted-printable Content-Type: text/html; charset="us-ascii" Economics of Life and Health Insurance
MacMinn
8
Group life insurance
<= span class=3DBB style=3D'position:absolute;left:-4.77%;top:.3em'>lNature= of coverage
<= span class=3DB1B style=3D'position:absolute;left:-4.29%;top:.3em'>–Minimum size
<= span class=3DB2B style=3D'position:absolute;left:-3.48%;top:.3em'>lGreat= er than 50
<= span class=3DB1B style=3D'position:absolute;left:-4.29%;top:.3em'>–Individual eligibility
<= span class=3DB2B style=3D'position:absolute;left:-3.48%;top:.3em'>lOften= only regular active full time employees
<= span class=3DB2B style=3D'position:absolute;left:-3.48%;top:.3em'>lProba= tionary period
<= span class=3DB2B style=3D'position:absolute;left:-3.48%;top:.3em'>lEligi= bility period
<= span class=3DB1B style=3D'position:absolute;left:-4.29%;top:.3em'>–Coverage duration
<= span class=3DB2B style=3D'position:absolute;left:-3.23%;top:.3em'>lConti= nues for the duration of employment or longer
Today some states permit groups with ten or even fewer.
This may be limited = to 31 days to limit = adverse selection.
The probationary period may be one to = six months and is designed to minimize administrative expenses.
------=_NextPart_01C61EB6.BBF5B100 Content-Location: file:///C:/B15244C5/groupinsurance_files/slide0024.htm Content-Transfer-Encoding: quoted-printable Content-Type: text/html; charset="us-ascii" Economics of Life and Health Insurance
MacMinn
9
Group life insurance
lBenefits <= /span>
–Benefit amounts determined:
lFixed amount&#= 13;
lAmount of compensation
lPosition <= /span>
lService
–Minimum and maximum amounts
–Conversion privilege
lConversion doe= s not require proof of insurability
–Waiver of premium benefits
lThis disability provision allows continuous coverage as long as disability is periodically proved
Most plans based on compensation use a multiple times earnings, e.g., two times salary.
------=_NextPart_01C61EB6.BBF5B100 Content-Location: file:///C:/B15244C5/groupinsurance_files/slide0020.htm Content-Transfer-Encoding: quoted-printable Content-Type: text/html; charset="us-ascii" Economics of Life and Health Insurance
MacMinn
10
Group life plans
lYearly renewable term (YRT)
lSupplemental life
lCredit life
lAccelerated death benefit
The premia on these yearly renewable = group term policies are determined in = the same was that we have calculated = previously.  In some cases the employer pays the entire premium while in others the employee pays a level amount; in either case the employer’s expense increase with the age of the group.  S= ee <= span style=3D'font-size:75%'>table 18-2 for the group calculation.
------=_NextPart_01C61EB6.BBF5B100 Content-Location: file:///C:/B15244C5/groupinsurance_files/slide0004.htm Content-Transfer-Encoding: quoted-printable Content-Type: text/html; charset="us-ascii" Economics of Life and Health Insurance
MacMinn
11
Questions
lHow have labor market, business conditions <= span style=3D'position:absolute;top:33.78%;left:3.92%;width:82.15%;height:32.43= %'>and the federal tax treatment helped employee benefit plans?&= #13;
lHow can group underwriting diminish adverse selection?  What features do insurers look for in a group to achieve this benefit?
l
------=_NextPart_01C61EB6.BBF5B100 Content-Location: file:///C:/B15244C5/groupinsurance_files/master01.htm Content-Transfer-Encoding: quoted-printable Content-Type: text/html; charset="us-ascii"
‹header›
‹date/time›=
Click to edit Master text styles
Second level
Third level
Fourth level
Fifth level
‹footer›
‹#›
Group insurance is a contract through which a group of persons are provided insurance coverage with a single contract= .  The notion of a group is <= span style=3D'layout-flow:horizontal'>changing.
Distinguishing characteristics are
1.Group rather than individual underwriting=
2.Use of a master contract
3.Lower administrative expense <= /div>
4.Flexibility in contract design
5.Use of experience rating
The premiums are based on the actuarial assessment of the group; healthy individuals may be able to buy insurance cheaper.  Subsidization by the employer is a critical factor in the construction of the group policy.
The experience rating is a premi= um adjustment process based on the actuarial experience of the group.  The larger the group the more weight is attached to its own experience in a single year.  The larger employers then have a = vested interest in maintaining favo= rable loss and expense records.
COBRA is Consolidated Omnibus Bu= dget Reconciliation Act of 1986
------=_NextPart_01C61EB6.BBF5B100 Content-Location: file:///C:/B15244C5/groupinsurance_files/master08_stylesheet.css Content-Transfer-Encoding: base64 Content-Type: text/css Ym9keQ0KCXt3aWR0aDo1MzRweDsNCgloZWlnaHQ6NDAwcHg7fQ0KLlRCDQoJe21zby1zcGVjaWFs LWZvcm1hdDpub2J1bGxldFwyMDIyO30NCi5UDQoJe3RleHQtYWxpZ246bGVmdDsNCglmb250LWZh bWlseTpBcmlhbDsNCglmb250LXdlaWdodDpib2xkOw0KCWNvbG9yOiMwMDY2NjY7DQoJbXNvLWNv bG9yLWluZGV4OjM7DQoJZm9udC1zaXplOjE3MSU7DQoJbXNvLWxpbmUtc3BhY2luZzoiOTAgMCAw IjsNCgltc28tY2hhci13cmFwOjE7DQoJbXNvLWtpbnNva3Utb3ZlcmZsb3c6MTt9DQouQkINCgl7 bXNvLXNwZWNpYWwtZm9ybWF0OmJ1bGxldGw7DQoJY29sb3I6IzAwMzM2NjsNCgltc28tY29sb3It aW5kZXg6MTsNCglmb250LWZhbWlseTpXaW5nZGluZ3M7DQoJZm9udC1zaXplOjc1JTt9DQouQg0K CXt0ZXh0LWFsaWduOmxlZnQ7DQoJZm9udC1mYW1pbHk6QXJpYWw7DQoJY29sb3I6IzAwMzM2NjsN Cgltc28tY29sb3ItaW5kZXg6MTsNCglmb250LXNpemU6MTMzJTsNCgltc28tY2hhci13cmFwOjE7 DQoJbXNvLWtpbnNva3Utb3ZlcmZsb3c6MTt9DQouQjFCDQoJe21zby1zcGVjaWFsLWZvcm1hdDpi dWxsZXRcMjAxMzsNCgljb2xvcjojMDAzMzY2Ow0KCW1zby1jb2xvci1pbmRleDoxOw0KCWZvbnQt c2l6ZTo3NSU7fQ0KLkIxDQoJe3RleHQtYWxpZ246bGVmdDsNCglmb250LWZhbWlseTpBcmlhbDsN Cgljb2xvcjojMDAzMzY2Ow0KCW1zby1jb2xvci1pbmRleDoxOw0KCWZvbnQtc2l6ZToxMTQlOw0K CW1zby1jaGFyLXdyYXA6MTsNCgltc28ta2luc29rdS1vdmVyZmxvdzoxO30NCi5CMkINCgl7bXNv LXNwZWNpYWwtZm9ybWF0OmJ1bGxldGw7DQoJY29sb3I6IzAwMzM2NjsNCgltc28tY29sb3ItaW5k ZXg6MTsNCglmb250LWZhbWlseTpXaW5nZGluZ3M7DQoJZm9udC1zaXplOjc1JTt9DQouQjINCgl7 dGV4dC1hbGlnbjpsZWZ0Ow0KCWZvbnQtZmFtaWx5OkFyaWFsOw0KCWNvbG9yOiMwMDMzNjY7DQoJ bXNvLWNvbG9yLWluZGV4OjE7DQoJZm9udC1zaXplOjk1JTsNCgltc28tY2hhci13cmFwOjE7DQoJ bXNvLWtpbnNva3Utb3ZlcmZsb3c6MTt9DQouQjNCDQoJe21zby1zcGVjaWFsLWZvcm1hdDpidWxs ZXRcMjAxMzsNCgljb2xvcjojMDAzMzY2Ow0KCW1zby1jb2xvci1pbmRleDoxOw0KCWZvbnQtc2l6 ZTo4MCU7fQ0KLkIzDQoJe3RleHQtYWxpZ246bGVmdDsNCglmb250LWZhbWlseTpBcmlhbDsNCglj b2xvcjojMDAzMzY2Ow0KCW1zby1jb2xvci1pbmRleDoxOw0KCWZvbnQtc2l6ZTo4NSU7DQoJbXNv LWNoYXItd3JhcDoxOw0KCW1zby1raW5zb2t1LW92ZXJmbG93OjE7fQ0KLkI0Qg0KCXttc28tc3Bl Y2lhbC1mb3JtYXQ6YnVsbGV0bDsNCgljb2xvcjojMDAzMzY2Ow0KCW1zby1jb2xvci1pbmRleDox Ow0KCWZvbnQtZmFtaWx5OldpbmdkaW5nczsNCglmb250LXNpemU6NjUlO30NCi5CNA0KCXt0ZXh0 LWFsaWduOmxlZnQ7DQoJZm9udC1mYW1pbHk6QXJpYWw7DQoJY29sb3I6IzAwMzM2NjsNCgltc28t Y29sb3ItaW5kZXg6MTsNCglmb250LXNpemU6ODUlOw0KCW1zby1jaGFyLXdyYXA6MTsNCgltc28t a2luc29rdS1vdmVyZmxvdzoxO30NCi5OQg0KCXttc28tc3BlY2lhbC1mb3JtYXQ6bm9idWxsZXRc MjAyMjt9DQouTg0KCXt0ZXh0LWFsaWduOmxlZnQ7DQoJZm9udC1mYW1pbHk6QXJpYWw7DQoJbGF5 b3V0LWZsb3c6dmVydGljYWw7DQoJY29sb3I6YmxhY2s7DQoJbXNvLWNvbG9yLWluZGV4OjE7DQoJ Zm9udC1zaXplOjU3JTsNCgltc28tY2hhci13cmFwOjE7DQoJbXNvLWtpbnNva3Utb3ZlcmZsb3c6 MTt9DQouTjFCDQoJe21zby1zcGVjaWFsLWZvcm1hdDpub2J1bGxldFwyMDIyO30NCi5OMQ0KCXt0 ZXh0LWFsaWduOmxlZnQ7DQoJZm9udC1mYW1pbHk6QXJpYWw7DQoJbGF5b3V0LWZsb3c6dmVydGlj YWw7DQoJY29sb3I6YmxhY2s7DQoJbXNvLWNvbG9yLWluZGV4OjE7DQoJZm9udC1zaXplOjU3JTsN Cgltc28tY2hhci13cmFwOjE7DQoJbXNvLWtpbnNva3Utb3ZlcmZsb3c6MTt9DQouTjJCDQoJe21z by1zcGVjaWFsLWZvcm1hdDpub2J1bGxldFwyMDIyO30NCi5OMg0KCXt0ZXh0LWFsaWduOmxlZnQ7 DQoJZm9udC1mYW1pbHk6QXJpYWw7DQoJbGF5b3V0LWZsb3c6dmVydGljYWw7DQoJY29sb3I6Ymxh Y2s7DQoJbXNvLWNvbG9yLWluZGV4OjE7DQoJZm9udC1zaXplOjU3JTsNCgltc28tY2hhci13cmFw OjE7DQoJbXNvLWtpbnNva3Utb3ZlcmZsb3c6MTt9DQouTjNCDQoJe21zby1zcGVjaWFsLWZvcm1h dDpub2J1bGxldFwyMDIyO30NCi5OMw0KCXt0ZXh0LWFsaWduOmxlZnQ7DQoJZm9udC1mYW1pbHk6 QXJpYWw7DQoJbGF5b3V0LWZsb3c6dmVydGljYWw7DQoJY29sb3I6YmxhY2s7DQoJbXNvLWNvbG9y LWluZGV4OjE7DQoJZm9udC1zaXplOjU3JTsNCgltc28tY2hhci13cmFwOjE7DQoJbXNvLWtpbnNv a3Utb3ZlcmZsb3c6MTt9DQouTjRODQoJe21zby1zcGVjaWFsLWZvcm1hdDpub2J1bGxldFwyMDIy O30NCi5ONA0KCXt0ZXh0LWFsaWduOmxlZnQ7DQoJZm9udC1mYW1pbHk6QXJpYWw7DQoJbGF5b3V0 LWZsb3c6dmVydGljYWw7DQoJY29sb3I6YmxhY2s7DQoJbXNvLWNvbG9yLWluZGV4OjE7DQoJZm9u dC1zaXplOjU3JTsNCgltc28tY2hhci13cmFwOjE7DQoJbXNvLWtpbnNva3Utb3ZlcmZsb3c6MTt9 DQouT0INCgl7bXNvLXNwZWNpYWwtZm9ybWF0Om5vYnVsbGV0XDIwMjI7fQ0KLk8NCgl7dGV4dC1h bGlnbjpsZWZ0Ow0KCWZvbnQtZmFtaWx5OkFyaWFsOw0KCWNvbG9yOiMwMDMzNjY7DQoJbXNvLWNv bG9yLWluZGV4OjE7DQoJZm9udC1zaXplOjExNCU7DQoJbXNvLWNoYXItd3JhcDoxOw0KCW1zby1r aW5zb2t1LW92ZXJmbG93OjE7fQ0KLk8xDQoJe2ZvbnQtc2l6ZToxMTQlOw0KCW1zby1jaGFyLXdy YXA6MTsNCgltc28ta2luc29rdS1vdmVyZmxvdzoxO30NCi5PMg0KCXtmb250LXNpemU6MTE0JTsN Cgltc28tY2hhci13cmFwOjE7DQoJbXNvLWtpbnNva3Utb3ZlcmZsb3c6MTt9DQouTzMNCgl7Zm9u dC1zaXplOjExNCU7DQoJbXNvLWNoYXItd3JhcDoxOw0KCW1zby1raW5zb2t1LW92ZXJmbG93OjE7 fQ0KLk80DQoJe2ZvbnQtc2l6ZToxMTQlOw0KCW1zby1jaGFyLXdyYXA6MTsNCgltc28ta2luc29r dS1vdmVyZmxvdzoxO30NCi5DQkINCgl7bXNvLXNwZWNpYWwtZm9ybWF0Om5vYnVsbGV0bDsNCglj b2xvcjojMDAzMzY2Ow0KCW1zby1jb2xvci1pbmRleDoxOw0KCWZvbnQtZmFtaWx5OldpbmdkaW5n czsNCglmb250LXNpemU6NzUlO30NCi5DQg0KCXt0ZXh0LWFsaWduOmxlZnQ7DQoJZm9udC1mYW1p bHk6QXJpYWw7DQoJY29sb3I6IzAwNjY2NjsNCgltc28tY29sb3ItaW5kZXg6MzsNCglmb250LXNp emU6MTMzJTsNCgltc28tY2hhci13cmFwOjE7DQoJbXNvLWtpbnNva3Utb3ZlcmZsb3c6MTt9DQou Q0IxQg0KCXttc28tc3BlY2lhbC1mb3JtYXQ6bm9idWxsZXRcMjAxMzsNCgljb2xvcjojMDAzMzY2 Ow0KCW1zby1jb2xvci1pbmRleDoxOw0KCWZvbnQtc2l6ZTo3NSU7fQ0KLkNCMQ0KCXtmb250LXNp emU6MTE0JTsNCgltc28tY2hhci13cmFwOjE7DQoJbXNvLWtpbnNva3Utb3ZlcmZsb3c6MTt9DQou Q0IyQg0KCXttc28tc3BlY2lhbC1mb3JtYXQ6bm9idWxsZXRsOw0KCWNvbG9yOiMwMDMzNjY7DQoJ bXNvLWNvbG9yLWluZGV4OjE7DQoJZm9udC1mYW1pbHk6V2luZ2RpbmdzOw0KCWZvbnQtc2l6ZTo3 NSU7fQ0KLkNCMg0KCXtmb250LXNpemU6OTUlOw0KCW1zby1jaGFyLXdyYXA6MTsNCgltc28ta2lu c29rdS1vdmVyZmxvdzoxO30NCi5DQjNCDQoJe21zby1zcGVjaWFsLWZvcm1hdDpub2J1bGxldFwy MDEzOw0KCWNvbG9yOiMwMDMzNjY7DQoJbXNvLWNvbG9yLWluZGV4OjE7DQoJZm9udC1zaXplOjgw JTt9DQouQ0IzDQoJe2ZvbnQtc2l6ZTo4NSU7DQoJbXNvLWNoYXItd3JhcDoxOw0KCW1zby1raW5z b2t1LW92ZXJmbG93OjE7fQ0KLkNCNEINCgl7bXNvLXNwZWNpYWwtZm9ybWF0Om5vYnVsbGV0bDsN Cgljb2xvcjojMDAzMzY2Ow0KCW1zby1jb2xvci1pbmRleDoxOw0KCWZvbnQtZmFtaWx5Oldpbmdk aW5nczsNCglmb250LXNpemU6NjUlO30NCi5DQjQNCgl7Zm9udC1zaXplOjg1JTsNCgltc28tY2hh ci13cmFwOjE7DQoJbXNvLWtpbnNva3Utb3ZlcmZsb3c6MTt9DQouQ1RCDQoJe21zby1zcGVjaWFs LWZvcm1hdDpub2J1bGxldFwyMDIyO30NCi5DVA0KCXt0ZXh0LWFsaWduOmNlbnRlcjsNCglmb250 LWZhbWlseTpBcmlhbDsNCglmb250LXdlaWdodDpib2xkOw0KCWNvbG9yOiMwMDMzNjY7DQoJbXNv LWNvbG9yLWluZGV4OjE7DQoJZm9udC1zaXplOjE3MSU7DQoJbXNvLWxpbmUtc3BhY2luZzoiOTAg MCAwIjsNCgltc28tY2hhci13cmFwOjE7DQoJbXNvLWtpbnNva3Utb3ZlcmZsb3c6MTt9DQouSEJC DQoJe21zby1zcGVjaWFsLWZvcm1hdDpidWxsZXRsOw0KCWNvbG9yOiMwMDMzNjY7DQoJbXNvLWNv bG9yLWluZGV4OjE7DQoJZm9udC1mYW1pbHk6V2luZ2RpbmdzOw0KCWZvbnQtc2l6ZTo3NSU7fQ0K LkhCDQoJe3RleHQtYWxpZ246bGVmdDsNCglmb250LWZhbWlseTpBcmlhbDsNCgljb2xvcjojMDAz MzY2Ow0KCW1zby1jb2xvci1pbmRleDoxOw0KCWZvbnQtc2l6ZToxMTQlOw0KCW1zby1jaGFyLXdy YXA6MTsNCgltc28ta2luc29rdS1vdmVyZmxvdzoxO30NCi5IQjFCDQoJe21zby1zcGVjaWFsLWZv cm1hdDpidWxsZXRcMjAxMzsNCgljb2xvcjojMDAzMzY2Ow0KCW1zby1jb2xvci1pbmRleDoxOw0K CWZvbnQtc2l6ZTo3NSU7fQ0KLkhCMQ0KCXt0ZXh0LWFsaWduOmxlZnQ7DQoJZm9udC1mYW1pbHk6 QXJpYWw7DQoJY29sb3I6IzAwMzM2NjsNCgltc28tY29sb3ItaW5kZXg6MTsNCglmb250LXNpemU6 OTUlOw0KCW1zby1jaGFyLXdyYXA6MTsNCgltc28ta2luc29rdS1vdmVyZmxvdzoxO30NCi5IQjJC DQoJe21zby1zcGVjaWFsLWZvcm1hdDpidWxsZXRsOw0KCWNvbG9yOiMwMDMzNjY7DQoJbXNvLWNv bG9yLWluZGV4OjE7DQoJZm9udC1mYW1pbHk6V2luZ2RpbmdzOw0KCWZvbnQtc2l6ZTo3NSU7fQ0K LkhCMg0KCXtmb250LXNpemU6ODUlOw0KCW1zby1jaGFyLXdyYXA6MTsNCgltc28ta2luc29rdS1v dmVyZmxvdzoxO30NCi5IQjNCDQoJe21zby1zcGVjaWFsLWZvcm1hdDpidWxsZXRcMjAxMzsNCglj b2xvcjojMDAzMzY2Ow0KCW1zby1jb2xvci1pbmRleDoxOw0KCWZvbnQtc2l6ZTo4MCU7fQ0KLkhC Mw0KCXtmb250LXNpemU6NzYlOw0KCW1zby1jaGFyLXdyYXA6MTsNCgltc28ta2luc29rdS1vdmVy ZmxvdzoxO30NCi5IQjRCDQoJe21zby1zcGVjaWFsLWZvcm1hdDpidWxsZXRsOw0KCWNvbG9yOiMw MDMzNjY7DQoJbXNvLWNvbG9yLWluZGV4OjE7DQoJZm9udC1mYW1pbHk6V2luZ2RpbmdzOw0KCWZv bnQtc2l6ZTo2NSU7fQ0KLkhCNA0KCXtmb250LXNpemU6NzYlOw0KCW1zby1jaGFyLXdyYXA6MTsN Cgltc28ta2luc29rdS1vdmVyZmxvdzoxO30NCi5RQkINCgl7bXNvLXNwZWNpYWwtZm9ybWF0OmJ1 bGxldGw7DQoJY29sb3I6IzAwMzM2NjsNCgltc28tY29sb3ItaW5kZXg6MTsNCglmb250LWZhbWls eTpXaW5nZGluZ3M7DQoJZm9udC1zaXplOjc1JTt9DQouUUINCgl7Zm9udC1zaXplOjk1JTsNCglt c28tY2hhci13cmFwOjE7DQoJbXNvLWtpbnNva3Utb3ZlcmZsb3c6MTt9DQouUUIxQg0KCXttc28t c3BlY2lhbC1mb3JtYXQ6YnVsbGV0XDIwMTM7DQoJY29sb3I6IzAwMzM2NjsNCgltc28tY29sb3It aW5kZXg6MTsNCglmb250LXNpemU6NzUlO30NCi5RQjENCgl7Zm9udC1zaXplOjg1JTsNCgltc28t Y2hhci13cmFwOjE7DQoJbXNvLWtpbnNva3Utb3ZlcmZsb3c6MTt9DQouUUIyQg0KCXttc28tc3Bl Y2lhbC1mb3JtYXQ6YnVsbGV0bDsNCgljb2xvcjojMDAzMzY2Ow0KCW1zby1jb2xvci1pbmRleDox Ow0KCWZvbnQtZmFtaWx5OldpbmdkaW5nczsNCglmb250LXNpemU6NzUlO30NCi5RQjINCgl7Zm9u dC1zaXplOjc2JTsNCgltc28tY2hhci13cmFwOjE7DQoJbXNvLWtpbnNva3Utb3ZlcmZsb3c6MTt9 DQouUUIzQg0KCXttc28tc3BlY2lhbC1mb3JtYXQ6YnVsbGV0XDIwMTM7DQoJY29sb3I6IzAwMzM2 NjsNCgltc28tY29sb3ItaW5kZXg6MTsNCglmb250LXNpemU6ODAlO30NCi5RQjMNCgl7Zm9udC1z aXplOjY2JTsNCgltc28tY2hhci13cmFwOjE7DQoJbXNvLWtpbnNva3Utb3ZlcmZsb3c6MTt9DQou UUI0Qg0KCXttc28tc3BlY2lhbC1mb3JtYXQ6YnVsbGV0bDsNCgljb2xvcjojMDAzMzY2Ow0KCW1z by1jb2xvci1pbmRleDoxOw0KCWZvbnQtZmFtaWx5OldpbmdkaW5nczsNCglmb250LXNpemU6NjUl O30NCi5RQjQNCgl7Zm9udC1zaXplOjY2JTsNCgltc28tY2hhci13cmFwOjE7DQoJbXNvLWtpbnNv a3Utb3ZlcmZsb3c6MTt9DQouVGJsQg0KCXttc28tc3BlY2lhbC1mb3JtYXQ6bm9idWxsZXRsOw0K CWNvbG9yOiMwMDMzNjY7DQoJbXNvLWNvbG9yLWluZGV4OjE7DQoJZm9udC1mYW1pbHk6V2luZ2Rp bmdzOw0KCWZvbnQtc2l6ZTo3NSU7fQ0KLlRibA0KCXtmb250LXNpemU6MTE0JTsNCgltc28tY2hh ci13cmFwOjE7DQoJbXNvLWtpbnNva3Utb3ZlcmZsb3c6MTt9DQouVGJsMUINCgl7bXNvLXNwZWNp YWwtZm9ybWF0Om5vYnVsbGV0XDIwMTM7DQoJY29sb3I6IzAwMzM2NjsNCgltc28tY29sb3ItaW5k ZXg6MTsNCglmb250LXNpemU6NzUlO30NCi5UYmwxDQoJe2ZvbnQtc2l6ZTo5NSU7DQoJbXNvLWNo YXItd3JhcDoxOw0KCW1zby1raW5zb2t1LW92ZXJmbG93OjE7fQ0KLlRibDJCDQoJe21zby1zcGVj aWFsLWZvcm1hdDpub2J1bGxldGw7DQoJY29sb3I6IzAwMzM2NjsNCgltc28tY29sb3ItaW5kZXg6 MTsNCglmb250LWZhbWlseTpXaW5nZGluZ3M7DQoJZm9udC1zaXplOjc1JTt9DQouVGJsMg0KCXtm b250LXNpemU6ODUlOw0KCW1zby1jaGFyLXdyYXA6MTsNCgltc28ta2luc29rdS1vdmVyZmxvdzox O30NCi5UYmwzQg0KCXttc28tc3BlY2lhbC1mb3JtYXQ6bm9idWxsZXRcMjAxMzsNCgljb2xvcjoj MDAzMzY2Ow0KCW1zby1jb2xvci1pbmRleDoxOw0KCWZvbnQtc2l6ZTo4MCU7fQ0KLlRibDMNCgl7 Zm9udC1zaXplOjc2JTsNCgltc28tY2hhci13cmFwOjE7DQoJbXNvLWtpbnNva3Utb3ZlcmZsb3c6 MTt9DQouVGJsNEINCgl7bXNvLXNwZWNpYWwtZm9ybWF0Om5vYnVsbGV0bDsNCgljb2xvcjojMDAz MzY2Ow0KCW1zby1jb2xvci1pbmRleDoxOw0KCWZvbnQtZmFtaWx5OldpbmdkaW5nczsNCglmb250 LXNpemU6NjUlO30NCi5UYmw0DQoJe2ZvbnQtc2l6ZTo3NiU7DQoJbXNvLWNoYXItd3JhcDoxOw0K CW1zby1raW5zb2t1LW92ZXJmbG93OjE7fQ0KLmRlZmF1bHRCDQoJe21zby1zcGVjaWFsLWZvcm1h dDpub2J1bGxldFwyMDIyO30NCi5kZWZhdWx0DQoJe3RleHQtYWxpZ246bGVmdDsNCglmb250LWZh bWlseTpBcmlhbDsNCglmb250LXdlaWdodDpub3JtYWw7DQoJZm9udC1zdHlsZTpub3JtYWw7DQoJ dGV4dC1kZWNvcmF0aW9uOm5vbmU7DQoJdGV4dC1zaGFkb3c6bm9uZTsNCgl0ZXh0LWVmZmVjdDpu b25lOw0KCW1zby1mYXJlYXN0LWhpbnQ6bm87DQoJbGF5b3V0LWZsb3c6aG9yaXpvbnRhbDsNCglj b2xvcjojMDAzMzY2Ow0KCW1zby1jb2xvci1pbmRleDoxOw0KCWZvbnQtc2l6ZTo4NSU7DQoJbXNv LXRleHQtcmFpc2U6MCU7DQoJbXNvLWxpbmUtc3BhY2luZzoiMTAwIDAgMCI7DQoJbXNvLW1hcmdp bi1sZWZ0LWFsdDowOw0KCW1zby10ZXh0LWluZGVudC1hbHQ6MDsNCgltc28tY2hhci13cmFwOjA7 DQoJbXNvLWtpbnNva3Utb3ZlcmZsb3c6MDsNCglkaXJlY3Rpb246bHRyOw0KCW1zby13b3JkLXdy YXA6MTsNCgltc28tdmVydGljYWwtYWxpZ24tc3BlY2lhbDpiYXNlbGluZTsNCgltc28tYW5zaS1s YW5ndWFnZTpFTi1VUzt9DQphOmxpbmsNCgl7Y29sb3I6IzAwMzM2NiAhaW1wb3J0YW50O30NCmE6 YWN0aXZlDQoJe2NvbG9yOiM5OUNDOTkgIWltcG9ydGFudDt9DQphOnZpc2l0ZWQNCgl7Y29sb3I6 I0NDOTlGRiAhaW1wb3J0YW50O30NCn== ------=_NextPart_01C61EB6.BBF5B100 Content-Location: file:///C:/B15244C5/groupinsurance_files/script.js Content-Transfer-Encoding: quoted-printable Content-Type: application/javascript; charset="us-ascii" function LoadSld() { var sld=3DGetObj("SlideObj") if( !g_supportsPPTHTML ) { sld.style.visibility=3D"visible" return } if( MakeNotesVis() ) return runAnimations =3D _InitAnimations(); if( IsWin("PPTSld") ) parent.SldUpdated(GetSldId()) g_origSz=3DparseInt(SlideObj.style.fontSize) g_origH=3Dsld.style.posHeight g_origW=3Dsld.style.posWidth g_scaleHyperlinks=3D(document.all.tags("AREA").length>0) if( g_scaleHyperlinks ) InitHLinkArray() if( g_scaleInFrame||(IsWin("PPTSld") && parent.IsFullScrMode() ) ) document.body.scroll=3D"no" _RSW() if( IsWin("PPTSld") && parent.IsFullScrMode() ) FullScrInit(); =09 MakeSldVis(); ChkAutoAdv() if( runAnimations ) { if( document.all("NSPlay") ) document.all("NSPlay").autoStart =3D false; if( sld.filters && sld.filters.revealtrans ) setTimeout( "document.body.start()", sld.filters.revealtrans.duration * = 1000 ); else document.body.start(); } } function MakeSldVis() { var fTrans=3Dg_showAnimation && SldHasTrans() if( fTrans ) { if( g_bgSound ) { idx=3Dg_bgSound.indexOf(","); pptSound.src=3Dg_bgSound.substr( 0, idx ); pptSound.loop=3D -(parseInt(g_bgSound.substr(idx+1))); } SlideObj.filters.revealtrans.Apply() } SlideObj.style.visibility=3D"visible" if( fTrans ) SlideObj.filters.revealtrans.Play() } function MakeNotesVis() { if( !IsNts() ) return false SlideObj.style.display=3D"none" nObj =3D document.all.item("NotesObj") parent.SetHasNts(0) if( nObj ) { nObj.style.display=3D"" parent.SetHasNts(1) } return 1 } function ChkAutoAdv() { if(SldHasTrans()) SlideObj.onfilterchange=3DAutoAdv else AutoAdv() } function AutoAdv() { if(!IsWin("PPTSld") || !gUseSldTimings )return var sld=3DGetCurSld() if( (sld.mAdvDelay>0) && !parent.IsFramesMode() ) setTimeout("parent.GoToNextSld()",sld.mAdvDelay) } function GetObj(id) { if(g_supportsPPTHTML) return document.all(id); else return document.getElementById(id); } function SldHasTrans() { return SlideObj.style.getAttribute("filter")!=3D""= } function GetSldId() { return sId=3Dlocation.href.substring(location.href.la= stIndexOf('/')+1) } function HideMenu() { if( frames["PPTSld"] && PPTSld.document.all.item("ctx= tmenu") && PPTSld.ctxtmenu.style.display!=3D"none" ) { PPTSld.ctxtmenu.styl= e.display=3D'none'; return true } return false } function IsWin( name ) { return window.name =3D=3D name } function IsNts() { return IsWin("PPTNts") } function IsSldOrNts() { return( IsWin("PPTSld")||IsWin("PPTNts") ) } function SupportsPPTAnimation() { return( navigator.platform =3D=3D "Win32"= && navigator.appVersion.indexOf("Windows")>0 ) } function SupportsPPTHTML() { var appVer=3Dnavigator.appVersion, msie=3DappVer.indexOf("MSIE "), ver=3D0 if( msie >=3D 0 ) ver=3DparseFloat( appVer.substring( msie+5, appVer.indexOf(";",msie) ) ) else ver=3DparseInt(appVer) return( ver >=3D 4 && msie >=3D 0 ) } function _RSW() { if( !g_supportsPPTHTML || IsNts() || ( !g_scaleInFrame && (!IsWin("PPTSld") || !parent.IsFullScrMode()) ) ) return var padding=3D0; if( IsWin("PPTSld") && parent.IsFramesMode() ) padding=3D6 cltWidth=3Ddocument.body.clientWidth-padding cltHeight=3Ddocument.body.clientHeight-padding factor=3D(1.0*cltWidth)/g_origW if( cltHeight < g_origH*factor ) factor=3D(1.0*cltHeight)/g_origH newSize =3D g_origSz * factor if( newSize < 1 ) newSize=3D1 s=3DSlideObj.style s.fontSize=3DnewSize+"px" s.posWidth=3Dg_origW*factor s.posHeight=3Dg_origH*factor s.posLeft=3D(cltWidth-s.posWidth+padding)/2 s.posTop=3D(cltHeight-s.posHeight+padding)/2 if( g_scaleHyperlinks ) ScaleHyperlinks( factor ) } function _InitAnimations() { animRuntimeInstalled =3D ''+document.body.localTime !=3D 'undefined'; isFullScreen =3D (window.name =3D=3D "PPTSld") && !parent.IsFramesMode(); g_animUseRuntime =3D g_showAnimation && animRuntimeInstalled && !(isFullSc= reen && parent.IsSldVisited()); if( g_animUseRuntime ) { collSeq =3D document.all.tags("seq"); if( collSeq !=3D null ) { for(ii=3D0;ii numSlds ) gSldJumpIdx =3D numSlds; if ( gSldJumpIdx >=3D 0 ) { if ( gSldJumpIdx =3D=3D 0 ) gSldJumpIdx =3D 1; var jumpTo =3D parseInt(gSldJumpIdx); gSldJump =3D 0; gSldJumpIdx =3D ""; win.GoToSld( parent.GetSldList().mList[jumpTo-1].mSldHref ) } } } function _KDH() { if( event.keyCode =3D=3D 8 ) { event.returnValue =3D 0; parent.GoToPrevSld(); } } function PlaySound( href, loop ){ href=3D unescape(href); if( window.event ) window.event.cancelBubble =3D true; pptSound.src =3D href; pptSound.loop =3D loop ? -1 : 0; } function DocumentOnClick() { if( IsNts() || parent.HideMenu() ) return; if( ( g_allowAdvOnClick && (window.name=3D=3D"PPTSld") && !parent.IsFrames= Mode() ) || (event && event.keyCode=3D=3D32) ) { if( g_animUseRuntime && g_animMainSequence && g_animMainSequence.cangonex= t ) return; parent.GoToNextSld(); } } var g_supportsPPTHTML =3D SupportsPPTHTML(), g_scaleInFrame =3D 1, gId=3D""= , g_bgSound=3D"", g_scaleHyperlinks =3D false, g_allowAdvOnClick =3D 1, g_showInBrowser = =3D 0, gLoopCont =3D 0, gUseSldTimings =3D 1; var g_showAnimation =3D g_supportsPPTHTML && SupportsPPTAnimation() && ( (w= indow.name=3D=3D"PPTSld" && !parent.IsFramesMode()) || g_showInBrowser );va= r g_animManager =3D null; var g_animUseRuntime =3D false; var g_animItemsToHide, g_animInteractiveItems, g_animSlideTime; var g_animMainSequence =3D null; var ENDSHOW_MESG=3D"End of slide show, click to exit.", SCREEN_MODE=3D"Fram= es", gIsEndShow=3D0, NUM_VIS_SLDS=3D11, SCRIPT_HREF=3D"script.js", FULLSCR_= HREF=3D"fullscreen.htm"; var gCurSld =3D gPrevSld =3D 1, g_offset =3D 0, gNtsOpen =3D gHasNts =3D gO= tlTxtExp =3D 0, gHasNarration =3D 0, gOtlOpen =3D true window.gPPTHTML=3DSupportsPPTHTML() var gMainDoc=3Dnew Array(new hrefList("slide0001.htm",1,-1,1),new hrefList(= "slide0002.htm",1,-1,1),new hrefList("slide0017.htm",1,-1,1),new hrefList("= slide0018.htm",1,-1,1),new hrefList("slide0021.htm",1,-1,1),new hrefList("s= lide0022.htm",1,-1,1),new hrefList("slide0023.htm",1,-1,1),new hrefList("sl= ide0019.htm",1,-1,1),new hrefList("slide0024.htm",1,-1,1),new hrefList("sli= de0020.htm",1,-1,1),new hrefList("slide0004.htm",1,-1,1)); function FullScrInit() { g_allowAdvOnClick =3D GetCurSld().mAdvOnClk document.body.style.backgroundColor=3D"black" document.oncontextmenu=3Dparent._CM; document.onkeydown =3D _KDH; document.ondragstart=3DCancel document.onselectstart=3DCancel self.focus() } function Redirect( frmId ) { var str=3Ddocument.location.hash,idx=3Dstr.indexOf('#'), sId=3DGetSldId() if(idx>=3D0) str=3Dstr.substr(1); if( window.name !=3D frmId && ( sId !=3D str) ) { obj =3D GetObj("Main-File") window.location.href=3Dobj.href+"#"+sId return 1 } return 0 } var MHTMLPrefix =3D CalculateMHTMLPrefix(); function CalculateMHTMLPrefix() { if ( document.location.protocol =3D=3D 'mhtml:') { href=3Dnew String(document.location.href) Start=3Dhref.indexOf('!')+1 End=3Dhref.lastIndexOf('/')+1 if (End < Start) return href.substring(0, Start) else return href.substring(0, End) } return ''; } function GetTags(base,tag) { if(g_supportsPPTHTML) return base.all.tags(tag); else return base.getElementsByTagName(tag); } function UpdNtsPane(){ if(frames["PPTNts"]) PPTNts.location.replace( MHTMLP= refix+GetHrefObj( gCurSld ).mNtsHref ) } function UpdNavPane( sldIndex ){ if(gNavLoaded) PPTNav.UpdNav() } function UpdOtNavPane(){ if(gOtlNavLoaded) PPTOtlNav.UpdOtlNav() } function UpdOtlPane(){ if(gOtlLoaded) PPTOtl.UpdOtl() } function SetHasNts( fVal ) { if( gHasNts !=3D fVal ) { gHasNts=3DfVal UpdNavPane() } } function ToggleOtlText() { gOtlTxtExp=3D!gOtlTxtExp UpdOtlPane() } function ToggleOtlPane() { frmset=3Ddocument.all("PPTHorizAdjust") frm=3Ddocument.all("PPTOtl") if( gOtlOpen ) frmset.cols=3D"*,100%" else frmset.cols=3D"25%,*" gOtlOpen=3D!gOtlOpen frm.noResize=3D!frm.noResize UpdOtNavPane() } function ToggleNtsPane() { frmset=3Ddocument.all("PPTVertAdjust") frm=3Ddocument.all("PPTNts") if( gNtsOpen ) frmset.rows=3D"100%,*" else frmset.rows=3D"*,20%" gNtsOpen=3D!gNtsOpen UpdNtsPane() } function ClearMedia() { if (PPTSld.pptSound) PPTSld.pptSound.loop =3D 0; } function FullScreen() { if ( PPTSld.g_animUseRuntime ) PPTSld.document.body.pause(); ClearMedia(); var href =3D ( document.location.protocol =3D=3D 'mhtml:') ? FULLSCR_HREF = : FULLSCR_HREF+"#"+GetHrefObj(gCurSld).mSldHref; if(PPTNav.event.ctrlKey) { var w =3D (window.screen.availWidth * 1.0) / 2.0 var h =3D w * (PPTSld.g_origH * 1.0) / PPTSld.g_origW win =3D window.open( MHTMLPrefix+href,null,"toolbar=3D0,resizable=3D1,top= =3D0,left=3D0," + "width=3D"+ w + ",height=3D" + h ); if( PPTSld.g_animUseRuntime ) win.document.body.PPTSldFrameset=3Dwindow; } else { win =3D window.open( MHTMLPrefix+href,null,"fullscreen=3Dyes" ); if( PPTSld.g_animUseRuntime ) win.document.body.PPTSldFrameset=3Dwindow; } } function ToggleVNarration() { rObj=3DPPTSld.document.all("NSPlay") if( rObj && !PPTSld.g_animUseRuntime ) { if( (rObj.playState =3D=3D 1)||(rObj.playState =3D=3D 0) ) rObj.Play() else if( rObj.playState =3D=3D 2 ) rObj.Pause() else return; } else if( PPTSld.g_animUseRuntime ) { narObj =3D PPTSld.document.all("narrationID") if( narObj ) narObj.togglePause() } } function GetCurSldNum() { obj=3DGetHrefObj(gCurSld) if( obj.mOrigVis =3D=3D 1 ) return obj.mSldIdx else return gCurSld } function GetNumSlds() { if( GetHrefObj(gCurSld).mOrigVis =3D=3D 1 ) return GetSldList().mNumVisSlds; else return GetSldList().mList.length } function GetSldNum( href ) { for(ii=3D0; ii 1 ) PopSldList(); else if( !IsFramesMode() ) { if( gLoopCont ) GoToFirst() else EndShow() } } function GoToPrevSld() { ii=3DgCurSld-1 if( ii > 0 ) { obj=3DGetHrefObj(ii) while ( obj && ( obj.mVis =3D=3D 0 ) && ( ii>0 ) ) obj=3DGetHrefObj(--ii) if( ii =3D=3D 0 ) ii=3D1 GoToSldNum(ii) } } function GoToFirst(){ GoToSld( GetHrefObj(1).mSldHref ) } function GoToLast() { ii=3DGetSldList().mList.length if( ii !=3D gCurSld ) GoToSld( GetHrefObj(ii).mSldHref ) } function GoToSldNum( num ) { if( PPTSld.event ) PPTSld.event.cancelBubble=3Dtrue obj =3D GetHrefObj( num ) obj.mVis=3D1 gPrevSld=3DgCurSld gCurSld =3D num; PPTSld.location.replace(MHTMLPrefix+obj.mSldHref) if( IsFramesMode() ) { UpdNavPane(); UpdOtlPane(); UpdNtsPane() } } function GoToSld( href ) { if( PPTSld.event ) PPTSld.event.cancelBubble=3Dtrue GetHrefObj( GetSldNum(href) ).mVis=3D1 PPTSld.location.replace(MHTMLPrefix+href) } function SldUpdated( id ) { if( id =3D=3D GetHrefObj(gCurSld).mSldHref ) return gPrevSld=3DgCurSld gCurSld=3DGetSldNum(id) if( IsFramesMode() ) { UpdNavPane(); UpdOtlPane(); UpdNtsPane() } } function PrevSldViewed(){ GoToSld( GetHrefObj(gPrevSld).mSldHref ) } function HasPrevSld() { return ( gIsEndShow || ( gCurSld !=3D 1 && GetHrefO= bj( gCurSld-1 ).mVis =3D=3D 1 )||( GetCurSldNum() > 1 ) ) } function HasNextSld() { return (GetCurSldNum() !=3D GetNumSlds()) } function CloseWindow() { if( HideMenu() ) return; var event =3D PPTSld.event; if( !IsFramesMode() && event && (event.keyCode=3D=3D27 || event.keyCode=3D= =3D32 || event.type=3D=3D"click" ) ) window.close( self ); CatchNumKeys( self, event ); } function Unload() { gIsEndShow=3D0; } function SetupEndShow() { gIsEndShow=3D1; PPTSld.document.body.scroll=3D"no"; PPTSld.document.onkeypress=3DCloseWindow; PPTSld.document.onclick=3DCloseWindow; PPTSld.document.oncontextmenu=3D_CM; } function EndShow() { if( IsFramesMode() ) return if( PPTSld.event ) PPTSld.event.cancelBubble=3Dtrue doc=3DPPTSld.document doc.open() doc.writeln('


' + ENDSHOW_MESG + '

') doc.close() } function SetSldVisited(){ GetSldList().mList[gCurSld-1].mVisited=3Dtrue } function IsSldVisited(){ return GetSldList().mList[gCurSld-1].mVisited } function hrefList( sldHref, visible, advDelay, advClk ) { this.mSldHref=3D this.mNtsHref =3D sldHref this.mOrigVis=3D this.mVis =3D visible this.mVisited=3D false this.mAdvDelay=3D advDelay this.mAdvOnClk=3D advClk } function SldList(arr,curSld,fEnd) { this.mCurSld =3D curSld; this.mList =3D new Array(); var idx =3D 1; for(ii=3D0;ii 0) { PushSldList(sldList,fEnd); gCurSld =3D 1; } else if( PPTSld.event ) PPTSld.event.cancelBubble=3Dtrue } function PushSldList(arr,fEnd) { var ii =3D gSldStack.length; gSldStack[ii] =3D new SldList(arr,gCurSld,fEnd); GoToSld( gSldStack[ii].mList[0].mSldHref ); } function PopSldList() { if (gSldStack[gSldStack.length-1].fEndShow) EndShow() else { gCurSld =3D gSldStack[gSldStack.length-1].mCurSld; gSldStack[gSldStack.length-1] =3D null; gSldStack.length--; var sldList =3D gSldStack[gSldStack.length-1]; GoToSld( sldList.mList[gCurSld - 1].mSldHref ); } } var custShowList=3Dnew Array(); function ImgBtn( oId,bId,w,action ) { var t=3Dthis t.Perform =3D _IBP t.SetActive =3D _IBSetA t.SetInactive=3D _IBSetI t.SetPressed =3D _IBSetP t.SetDisabled=3D _IBSetD t.Enabled =3D _IBSetE t.ChangeIcon =3D null t.UserAction =3D action t.ChgState =3D _IBUI t.mObjId =3D oId t.mBorderId=3D bId t.mWidth =3D w t.mIsOn =3D t.mCurState =3D 0 } function _IBSetA() { if( this.mIsOn ) { obj=3Dthis.ChgState( gHiliteClr,gShadowClr,2 ) obj.style.posTop=3D0 } } function _IBSetI() { if( this.mIsOn ) { obj=3Dthis.ChgState( gFaceClr,gFaceClr,1 ) obj.style.posTop=3D0 } } function _IBSetP() { if( this.mIsOn ) { obj=3Dthis.ChgState( gShadowClr,gHiliteClr,2 ) obj.style.posLeft+=3D1; obj.style.posTop+=3D1 } } function _IBSetD() { obj=3Dthis.ChgState( gFaceClr,gFaceClr,0 ) obj.style.posTop=3D0 } function _IBSetE( state ) { var t=3Dthis GetObj( t.mBorderId ).style.visibility=3D"visible" if( state !=3D t.mIsOn ) { t.mIsOn=3Dstate if( state ) t.SetInactive() else t.SetDisabled() } } function _IBP() { var t=3Dthis if( t.mIsOn ) { if( t.UserAction !=3D null ) t.UserAction() if( t.ChangeIcon ) { obj=3DGetObj(t.mObjId) if( t.ChangeIcon() ) obj.style.posLeft=3Dobj.style.posLeft+(t.mCurState-4)*t.mWidth else obj.style.posLeft=3Dobj.style.posLeft+(t.mCurState-0)*t.mWidth } t.SetActive() } } function _IBUI( clr1,clr2,nextState ) { var t=3Dthis SetBorder( GetObj( t.mBorderId ),clr1,clr2 ) obj=3DGetObj( t.mObjId ) obj.style.posLeft=3Dobj.style.posLeft+(t.mCurState-nextState)*t.mWidth-obj= .style.posTop t.mCurState=3DnextState return obj } function TxtBtn( oId,oeId,action,chkState ) { var t=3Dthis t.Perform =3D _TBP t.SetActive =3D _TBSetA t.SetInactive=3D _TBSetI t.SetPressed =3D _TBSetP t.SetDisabled=3D _TBSetD t.SetEnabled =3D _TBSetE t.GetState =3D chkState t.UserAction =3D action t.ChgState =3D _TBUI t.mObjId =3D oId t.m_elementsId=3D oeId t.mIsOn =3D 1 } function _TBSetA() { var t=3Dthis if( t.mIsOn && !t.GetState() ) t.ChgState( gHiliteClr,gShadowClr,0,0 ) } function _TBSetI() { var t=3Dthis if( t.mIsOn && !t.GetState() ) t.ChgState( gFaceClr,gFaceClr,0,0 ) } function _TBSetP() { if( this.mIsOn ) this.ChgState( gShadowClr,gHiliteClr,1,1 ) } function _TBSetD() { this.ChgState( gFaceClr,gFaceClr,0,0 ) this.mIsOn =3D 0 } function _TBSetE() { var t=3Dthis if( !t.GetState() ) t.ChgState( gFaceClr,gFaceClr,0,0 ) else t.ChgState( gShadowClr,gHiliteClr,1,1 ) t.mIsOn =3D 1 } function _TBP() { var t=3Dthis if( t.mIsOn ) { if( t.UserAction !=3D null ) t.UserAction() if( !t.GetState ) return if( t.GetState() ) t.SetPressed() else t.SetActive() } } function _TBUI( clr1,clr2,lOffset,tOffset ) { SetBorder( GetObj( this.mObjId ),clr1,clr2 ) Offset( GetObj( this.m_elementsId ),lOffset,tOffset ) } function Offset( obj, top, left ){ obj.style.top=3Dtop; obj.style.left=3Dle= ft } function SetBorder( obj, upperLeft, lowerRight ) { s=3Dobj.style; s.borderStyle =3D "solid" s.borderWidth =3D 1 s.borderLeftColor =3D s.borderTopColor =3D upperLeft s.borderBottomColor=3D s.borderRightColor =3D lowerRight } function GetBtnObj(){ return gBtnArr[window.event.srcElement.id] } function BtnOnOver(){ b=3DGetBtnObj(); if( b !=3D null ) b.SetActive() } function BtnOnDown(){ b=3DGetBtnObj(); if( b !=3D null ) b.SetPressed() } function BtnOnOut(){ b=3DGetBtnObj(); if( b !=3D null ) b.SetInactive() } function BtnOnUp() { b=3DGetBtnObj() if( b !=3D null ) b.Perform() else Upd() } function GetNtsState(){ return parent.gNtsOpen } function GetOtlState(){ return parent.gOtlOpen } function GetOtlTxtState(){ return parent.gOtlTxtExp } function NtsBtnSetFlag( fVal ) { s=3Ddocument.all.item( this.m_flagId ).style s.display=3D"none" if( fVal ) s.display=3D"" else s.display=3D"none" } function _BSetA_Border(){ b =3D gBtnArr[this.mObjId]; if( b !=3D null ) b.S= etActive() } function _BSetI_Border(){ b =3D gBtnArr[this.mObjId]; if( b !=3D null ) b.S= etInactive() } var gHiliteClr=3D"THREEDHIGHLIGHT",gShadowClr=3D"THREEDSHADOW",gFaceClr=3D"= THREEDFACE" var gBtnArr =3D new Array() gBtnArr["nb_otl"] =3D new TxtBtn( "nb_otl","nb_otlElem",parent.ToggleOtlPan= e,GetOtlState ) gBtnArr["nb_otlElem"] =3D new TxtBtn( "nb_otl","nb_otlElem",parent.ToggleOt= lPane,GetOtlState ) gBtnArr["nb_nts"] =3D new TxtBtn( "nb_nts","nb_ntsElem",parent.ToggleNtsPan= e,GetNtsState ) gBtnArr["nb_prev"]=3D new ImgBtn( "nb_prev","nb_prevBorder",30,parent.GoToP= revSld ) gBtnArr["nb_next"]=3D new ImgBtn( "nb_next","nb_nextBorder",30,parent.GoToN= extSld ) gBtnArr["nb_sldshw"]=3D new ImgBtn( "nb_sldshw","nb_sldshwBorder",18,parent= .FullScreen ) gBtnArr["nb_sldshwBorder"] =3D new TxtBtn( "nb_sldshw","nb_sldshwBorder",pa= rent.FullScreen,null ) gBtnArr["nb_sldshwBorder"].SetActive =3D _BSetA_Border; gBtnArr["nb_sldshwBorder"].SetInactive =3D _BSetI_Border; gBtnArr["nb_sldshwText"] =3D new TxtBtn( "nb_sldshw","nb_sldshwText",parent= .FullScreen,null ) gBtnArr["nb_sldshwText"].SetActive =3D _BSetA_Border; gBtnArr["nb_sldshwText"].SetInactive =3D _BSetI_Border; gBtnArr["nb_voice"] =3D new ImgBtn( "nb_voice","nb_voiceBorder",18,parent.= ToggleVNarration ) gBtnArr["nb_otlTxt"]=3D new ImgBtn( "nb_otlTxt","nb_otlTxtBorder",23,parent= .ToggleOtlText ) gBtnArr["nb_nts"].m_flagId=3D "notes_flag" gBtnArr["nb_nts"].SetFlag =3D NtsBtnSetFlag gBtnArr["nb_otlTxt"].ChangeIcon=3D GetOtlTxtState var sNext=3D"Next",sPrev=3D"Previous",sEnd=3D"End Show",sFont=3D"Arial",sAr= row=3D"Arrow",sFreeform=3D"Freeform",sRect=3D"Rectangle",sOval=3D"Oval" function ShowMenu() { BuildMenu(); var doc=3DPPTSld.document.body,x=3DPPTSld.event.clientX+doc.scrollLeft,y= =3DPPTSld.event.clientY+doc.scrollTop m =3D PPTSld.document.all.item("ctxtmenu") m.style.pixelLeft=3Dx if( (x+m.scrollWidth > doc.clientWidth)&&(x-m.scrollWidth > 0) ) m.style.pixelLeft=3Dx-m.scrollWidth m.style.pixelTop=3Dy if( (y+m.scrollHeight > doc.clientHeight)&&(y-m.scrollHeight > 0) ) m.style.pixelTop=3Dy-m.scrollHeight m.style.display=3D"" } function _CM() { if( !parent.IsFullScrMode() ) return; if(!PPTSld.event.ctrlKey) { ShowMenu() return false } else HideMenu() } function BuildMenu() { if( PPTSld.document.all.item("ctxtmenu") ) return var mObj=3DCreateItem( PPTSld.document.body ) mObj.id=3D"ctxtmenu" mObj.style.visibility=3D"hidden" var s=3DmObj.style s.position=3D"absolute" s.cursor=3D"default" s.width=3D"120px" SetCMBorder(mObj,"menu","black") var iObj=3DCreateItem( mObj ) SetCMBorder( iObj, "threedhighlight","threedshadow" ) iObj.style.padding=3D2 CreateMenuItem( iObj,sNext,M_GoNextSld,M_True ) CreateMenuItem( iObj,sPrev,M_GoPrevSld,M_HasPrevSld ) CreateSeparator( iObj ) CreateMenuItem( iObj,sEnd,M_End,M_True ) mObj.style.visibility=3D"visible" } function Cancel() { window.event.cancelBubble=3Dtrue; window.event.returnVa= lue=3Dfalse } function Highlight() { ChangeClr("activecaption","threedhighlight") } function Deselect() { ChangeClr("threedface","menutext") } function Perform() { e=3DPPTSld.event.srcElement if( e.type=3D=3D"menuitem" && e.IsActive() ) e.Action() else PPTSld.event.cancelBubble=3Dtrue } function ChangeClr( bg,clr ) { e=3DPPTSld.event.srcElement if( e.type=3D=3D"menuitem" && e.IsActive() ) { e.style.backgroundColor=3Dbg e.style.color=3Dclr } } function M_HasPrevSld() { return( parent.HasPrevSld() ) } function M_GoNextSld() { if( gIsEndShow ) M_End(); else GoToNextSld() } function M_GoPrevSld() { if( gIsEndShow ) { history.back(); PPTSld.event.ca= ncelBubble=3Dtrue; } else GoToPrevSld() } function M_True() { return true } function M_End() { window.close( self ) } function CreateMenuItem( node,text,action,eval ) { var e=3DCreateItem( node ) e.type=3D"menuitem" e.Action=3Daction e.IsActive=3Deval e.innerHTML=3Dtext if( !e.IsActive() ) e.style.color=3D"threedshadow" e.onclick=3DPerform e.onmouseover=3DHighlight e.onmouseout=3DDeselect s=3De.style; s.fontFamily=3DsFont s.fontSize=3D"9pt" s.paddingLeft=3D2 } function CreateSeparator( node ) { var sObj=3DCreateItem( node ) SetCMBorder(sObj,"menu","menu") var s=3DsObj.style s.borderTopColor=3D"threedshadow" s.borderBottomColor=3D"threedhighlight" s.height=3D1 s.fontSize=3D"0px" } function CreateItem( node ) { var elem=3DPPTSld.document.createElement("DIV") node.insertBefore( elem ) return elem } function SetCMBorder( o,ltClr,rbClr ) { var s=3Do.style s.backgroundColor=3D"menu" s.borderStyle=3D"solid" s.borderWidth=3D1 s.borderColor=3DltClr+" "+rbClr+" "+rbClr+" "+ltClr } ------=_NextPart_01C61EB6.BBF5B100 Content-Location: file:///C:/B15244C5/groupinsurance_files/fullscreen.htm Content-Transfer-Encoding: quoted-printable Content-Type: text/html; charset="us-ascii" ------=_NextPart_01C61EB6.BBF5B100 Content-Location: file:///C:/B15244C5/groupinsurance_files/notes_flag.gif Content-Transfer-Encoding: base64 Content-Type: image/gif R0lGODlhCgAKAPcAAAAAAIAAAACAAICAAAAAgIAAgACAgICAgMwENMTExPz8/AAAAAAAAAAAAAAA AAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAA AAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAA AAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAA AAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAA AAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAA AAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAA AAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAA AAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAA AAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAA AAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAA AAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAA AAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAA AAAAAAAAAAAAAAAAAAAAAMDAwP8AAAD/AP//AAAA//8A/wD//////ywAAAAACgAKAEAIKgDx4UNA sKDAgQUTJiCogGHDhBAfFlRAMSFCiAguTozYUGJEiAk0EhQYEAA7 ------=_NextPart_01C61EB6.BBF5B100 Content-Location: file:///C:/B15244C5/groupinsurance_files/buttons.gif Content-Transfer-Encoding: base64 Content-Type: image/gif R0lGODlhWAESAPf4AAAAAIAAAACAAICAAAAAgIAAgACAgICAgAQEBISEBASEBISEhAQEhMTExAQE /KTM9Pz8/ERERPz8BAT8/KSkpGRkhMTcxCRkxAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAA AAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAA AAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAA AAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAA AAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAA AAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAA AAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAA AAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAA AAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAA AAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAA AAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAA AAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAA AAAAAAAAAAAAAAAAAAAAAMDAwP8AAAD/AP//AAAA//8A/wD//////yH5BAEAAPgALAAAAABYARIA QAj/APEJHEiwoMGDCBMqXMiwocOHECNKnEixosWLGCEiQKCRo8YDIEHig2DxAD4LKD1avDDhgUuV GUOGbHBR5QGYFBG4fHAB58EKECJEwCfUYAWPFGAygLCRKQIIUKM6WAohKUGgCikcFWh1INWoYKVS 7SrQ41GbIhGYLAuVQVOoC+IyXUuUAkG1HE3KFDhAwkgJc5/qDZmxsOHDiBMrXsy4sePDGyP7lChT 5MULmDPnlDw5YmW6FTNrfgi0aNGEZPEtbfo2bNTUpYeeRph69dPWrqvCNFuBIGG1A59CYPAVQtwF cw0OxWdTIOiBCQAjaAB17fOFII8voGmRc+eOkilm/z9OvTtnjN4hYk1YoT3H2rnBOphPAB9skgq3 2lcaX/5YnJVt9BloAar12UEIRGCZdQghMABI1Tn32IQUVthYexhmqGGGMBHAgIfEhSiiiATAtOGJ GnYI4ogsEldicAYOGNJGZaml3Y0L3NTZUBz1xlB0PUoUI0jlVWRSVN89xBKSGB1YU1TMoRfVBEle hR9HQs1GEHxQ3RZZbveZthxt/LEmXHyp5XWABSCpaRJwbM13gAACPHVccgJFgF+NEhqUAEkQSCfc ddhVhh5dVTaEAEsTUNlkZUWKN9BNGDE6QU8OrSdbllzpxyVTTrU21Uj3scfhp7nNpyoDaTIEJ3P9 If8J2kbLNYegg9JRBwGhFvbq66+ZUiDssMQWK2yHxiZLrInKNotss8l+B5yBrr5p2UIJvortANoC 6+234IbLla/elRtZjeamh5CC3Sb0YLvixivvYkDFGlZqBNh7r4n6goVvv6/ZlCicN+kL71ALTnpQ dCIZp7CihkLA3UQmoWRBogyxtBPGCTnZncVR1rSTo5nuydC/Eo8kUH+lOoTyyvjoCuZu+PjYIKLD rZybtrM1d10C0QXKEVz48GrQkEeWdFJKlbb0UmEeV0SzyC6RvNB646LWIVjUNeC1zAFb+RDKXksM 9r531bwmpQW9+hQDDsx5pqwDRWBXcFES2hc+gEn/wJGdEEWdE6LoWcoxQweaTNmkhydkKaYMYY2Q p1unbLl/pPKbn3v7EZRvrKvqlja2ONvrtoIw9tn2g32/tQBlhtYkU+MNikZ7QYlPDPuMldpOmuJX nVo5VF3HjI+q89mteX5IDd/fVFClma5kiE4f2XUJhlz09gj2NbTDRifkmu7zXjR++RVJ/lPznuvr QH2iD6S+UewP9Dnon6d2NLwN8n90BB6hC68cFMCHoe+ACASP9c4DowUyEF0OPFcDI0ij/VXPaAKC UfhS95AKGoQ7IBRICI1HwhGaUIQoLGEKT6jCFrLwhSuMoQtlCMMZ2rCGOKShDm+4wxzy8Ic+DGIP B4cIRCKGMCAAOy== ------=_NextPart_01C61EB6.BBF5B100 Content-Location: file:///C:/B15244C5/groupinsurance_files/frame.htm Content-Transfer-Encoding: quoted-printable Content-Type: text/html; charset="us-ascii" Economics of Life and Health Insurance ------=_NextPart_01C61EB6.BBF5B100 Content-Location: file:///C:/B15244C5/groupinsurance_files/outline.htm Content-Transfer-Encoding: quoted-printable Content-Type: text/html; charset="us-ascii"
Slide Show
Outline
------=_NextPart_01C61EB6.BBF5B100 Content-Location: file:///C:/B15244C5/groupinsurance_files/oledata.mso Content-Transfer-Encoding: base64 Content-Type: application/x-mso 0M8R4KGxGuEAAAAAAAAAAAAAAAAAAAAAPgADAP7/CQAGAAAAAAAAAAAAAAABAAAAAQAAAAAAAAAA EAAA/v///wAAAAD+////AAAAAAAAAAD///////////////////////////////////////////// //////////////////////////////////////////////////////////////////////////// //////////////////////////////////////////////////////////////////////////// //////////////////////////////////////////////////////////////////////////// //////////////////////////////////////////////////////////////////////////// //////////////////////////////////////////////////////////////////////////// //////////////////////////////////////////////////////////////////////////// ///////////////////////////////////////////////////////////////////////////9 /////v///wMAAAAEAAAABQAAAAYAAAAHAAAACAAAAAkAAAAKAAAACwAAAAwAAAD+//////////// //////////////////////////////////////////////////////////////////////////// //////////////////////////////////////////////////////////////////////////// //////////////////////////////////////////////////////////////////////////// //////////////////////////////////////////////////////////////////////////// //////////////////////////////////////////////////////////////////////////// //////////////////////////////////////////////////////////////////////////// //////////////////////////////////////////////////////////////////////////// /////////////////////////////////////////////////////////////////////////1IA bwBvAHQAIABFAG4AdAByAHkAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAA AAAAAAAWAAUA//////////8BAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAKAWP8r5HsYB /v///wAAAAAAAAAAOQA0AAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAA AAAAAAAAAAAAAAAAAAAAAAAAAAYAAgH///////////////8AAAAAAAAAAAAAAAAAAAAAAAAAAAAA AAAAAAAAAAAAAAAAAAACAAAAgxQAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAA AAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAP///////////////wAAAAAAAAAA AAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAA AAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAA//////// ////////AAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAH4A AHic7TwLjFTXdfe+N7PzCbsMeNfAArvDsmD+BZaP8YcFHCBOugvGVNkGPDDsztgT9ufdNbJjud1a CShyUS0ag1ZYgiLZBBdZxiE4clHXVVqU0m1LqyhysJSYJFJbOUpipUg1SZiec+677933mTdvllkH wtzlMPedc++55577efeec9+98u9TPvybc/XXmCOsZzq7mY+xKgXH1QQJxkIG7mY+n5f0fCXcUWEH 64O/IZZkm1kv/A6w55xdwTfcy8Jmm+vwrEc1wr8nyFvUtC8/8OuDyfp/4i0Q3zBJ9qltrJtlSipT DXGmcbU+QfIsB6g14l+E2g+w/Wwf6WF/yeVPNcrHsRC0/FUAPCHinD0C5fawftDDPvblcZWP404r oXwMUuNhgN8p+rtpQATwUYAYQx0z9hkmdFasP9Ux7BOMTQOYXSB9A+CbAZIAcwCaAOYCPAwwD2A+ wH0ACwAWAiwCWAywBGApwDKAP2KiHVcArGRiDmqE39UAawDWAtwPsA7gAYAHAR4y0t0scYz8IYdP c/z3//AnuUYY/zWsrOPf1seC5Cnz+C+5/Mns9hn/Um5sDnUeKBTk+MGxhlWYQjIwdg/AdOYe7zMA Vw8wk7nHXpLZx/8sj/yVMLFBrt/u1HAny347BM2Yf7fDLJhhgzA3Lqf5MWiYPo75D/cU0dUlFFIk lFp+ucOdXD7mwfe23MuJPiHC9q0wN8Oi69IqpMFKUO+sxzfuHKJiDp1HaQX5GcqCsUnaWf4tDWMx E8c1FAzTh3g1/WpcY1hqAz3dx4UMzicrr50fxFqy9Lb4jfbfRo0vSqGbNg7k0t0+NcYylnJm5E+w iJKfa1rT488NDmV6RNqar8Kq8+OppJnomTolPzf5qM/2miDVVQeQHEu8N/S3/G3Nye/TzH+av6mF IB0+/RY4DQ8Pm9w0WvvfoHakPmHgdYOL5Mc1zOVsWVzfNethWE2leS9L8Xd4ip/naY7PojRpSRBc Q/T7K8hpyWjJrXLbD2v/XtgLIFd8ljR8Rvw7HCFFpWJJdaHX+RmoxXe5qI9hwwD+sp5YTq2GnIX0 nDD3aMhDxt7hItV6SCVwD5nUh0zqLJNab1LrTeoNJqn/x3rNmKS+b1J/YFJ/YFIvmNTzJvW8Sf2G ST1iUo+Y1AGT2m9S+03qdpPablLbTeoyk7rYpKJ+pS7tIyps9iQxDQlsVZH+qfYA2R7+/VXmcM4x UhKvnqj2QNkj7f1jvL1M1v1WaivrIGpjr613v42YI0bqvC3bpoxewQ1xogSMFdLNC1DDF9hyPgw5 h6FGL5ijlLGRsRGTa9QxSq05AFNJbgOQewC4vUCAcYub2ls0g1vUrMHgyKBSligDcaIMjFkSC2kP AMiyvPUUM0qJmKWw+hazlIgpg6F9oBktAjFZ2iGowSHQy0tsF0CKH1JrBCU59RNx6QdT2bWdIo6H KJ7mhTTC5rcpshoyzpdtijFLRiHfMIDk7q0RKWXMLCXbNmyWEnPUAWmiNIzJ0o6AzEdYPX+FTQNI 8SOKRsZG8syp35hLI5jKrt964niE4k6NWK03Mjjq0gjijH4IMUtGId9LAJK7fx+x9N7SYund2apI E6VhTJb2Ksj8KmvmJ9kcgBR/VdFINjvi0kjUpRFMZddvM3F8leKFNdLWNujSCOKMcd82qMgo5HsF QHIP2kdAJQX7CNJkP7dGzWmQ+TSMyzcgxxugkdPqqMlmXRpx9xFMZdfvcuJ4muKFNQIqcY+aNnPU tLUpMgr5TgJI7kH7iN/It9Yv6sg/BzKfYzv4t9k2gBQ/Z9PIWIA+gqns+t1BHM9R3E8jIx4aGWFi dXfLoWT7O+7ZN1X2f7dF+RX7z90dOLS+HjfsAA7bPfpx2nKdA32Dfdmh5NaBdP9TyUeeSg8M0cyy dVMum11NRuC2x4m4jIjL7mf/u+7tpwP2v1g0wYarwuyB6f8a+YdhxqpAhE1MY2+Fmsim3RCaBfPU NNjXNzfNXTJ37vI9Cx/cvUA+7F7YEJrDqnAvr9B37ch0PWFP1AQiz7YSLVtu5wPPmOo+WG43OVM5 uBlJ17JF6Hfag/hFSVmy8bh7gVGwRDQtbSLqhj2QdRlbiG6tPQvUfPZMjhytbAk6sdTChGz28kg0 pcjWVovFGti3rFAKlfml/n+I+oeGr9Ir+v809e/K7Mi5gtWzkzBL5//csHCFwnwj7LJyLM26WXHq d32pT/HxU79XkPPDbCrbEv6q/kpiI8wssrZfg8b9CqbWhEdZ9Dw2rPa8vYk4+2XzX0x/Cl5LuvKE Vpmzmsbuh7XxT8ivK6wM9Loz/sN3H2EgMowo4z80aw3jA0Tee+89snO1jI2JvS2sz3AvQmt0XJXC CmtsTPCld6kSISzZyOAX0ozlEcaAPAK8gDoyRrzywLclmzfKgNQIwD6fFXuBo0ePUrktI4BoEUvr EQLAtUBeQOxO1KB9FDBYS/zdkQjBCjDBWmC+/UtYy3H4m5/QYOw1G2d0Lkx5PIFrvDjbSb8h9ieJ KrGO5brwOZqz7oITGwTKsuIskSjdRC0/sSHE7pHZ4mwgM5QbyPRkeocwJUoAyAd/vO3wsd63WwWK 2raFwrcMlE4i/fS14/+YfKs1BFOJUWYN685lM8lc7+AzA+nezgym1gTP3575+D/b9vW3CpTmRukq KgSd0RB6CuvJdOU60912trpgu+789w78/Yl3WwWK2F77Su2bW69JFLG98Wdfvjj0198Btk20ZoYw gz3Tm+np7+57Diuf7Ozr6c/0DqaHcn29mDEk2O9LdEAJF1oFSnOjiP27j07SFh+6AOxnygX4VEWz ycH0gVzvk4OYI+zWcNit4bBTw/Xy0NYU1p/OdSUHMoNDyf7MQK6vi9hWCbZCkKOtAqW5UcT2pe7/ +s2Zj08B2wbDUs7q2IF0J1V+cElyMNe5P9mdSR8gRUcE61ObL/z6d9//TqtAEev/mb8ienbWuwZK V1EhVk1mLuqzPbnBTkwTFZw++IRao1WgXEJGBacvdZGOqHfFZO/a2TcE/WBfpjeTzQ1RxWOCZ+vq FPC42ipQGp5xEd1AonRL61dbv5iAjv6niShbEB6rOrnyRPPDNHsxtnJGehqek6thHOYn/CdGSkcC O/hs0D6sqzgNuziLE3VVAh3/NAcmEtbIezOsdTVs4Di0T4IKFrIu1pWIGgMWBlBiEuXWRT+mKeAx pJPlkLPqBDre4xwdeEMwBeNvDwAe58B03EiHcU1YGymuG/EqiOMsI3nvIQlR1s1mzF8GDWRIotJ5 N5SfhbKT8NvLBtkzaBCEWCfgLFm0IrLQPDJOWXSQBQ8QTeGogy6Qo5NeSv4S6UUkEu6q8UkE/TuB R5Jm8Geg3Awd9uhmfew5s5WSII04BJIhGdPUjn0QtyQMFZFQp8lqPBK2jSg2CmGfeANAWhcC2xGz w6ygHTFr2hGzlh3xIkvzi6yBj7JZACl+UbUjjgWyI47lHfaVBuJ4keI+dsQRDzviiGlHHBlVZBTy fRtAcg9qIxo25jQvGxHSDA8azVaitEsg8yW2k19mjwGk+CVFI3mFW2EbUV7hJvS7kzheonhhjYza uAuuo6aMozYZhXyjAJJ70D5Cy6cCfQRp0qdolXYFZL7CvsC+zx4FSPErqkbybo24+wimsuv3C+wK QZq0UlAjox4aGTU1MqrKKOS7DCC5B+0jqt/G2Ufs/htZ2kcg80eQ+hdsMUCKf1TAX1O4j6j+mg8h 94eQ+iMCjBfWiOqhkTJ6e2ikfD8DkNwD25rrfWzNnh6a6yDzddDEJ2wXQIpfL+Ch8bE1K3Zaod8U cbxOcR/LamAPjZTvFwCSe9A+onponH3E20PDeBpm+xlc5/cCpDg++3lo3H1E9dAI/c4gjsjpelk8 NFK+T9i9JvegfUT10Dj7iLeHJg5yx3kzr+FzAFI8zv09NO4+onpohH6biWOc4uXw0Ej5dADJPbg/ who1bn+El4emFmSuFWuLMKxQ8LD1VM81ZJJWJAdo/fQkxK01SbjImkQ46ce3aqoy13H9UHoOVnJJ 44gaSoQrpQFaI3XZJKoqIlGY9kbjkygCEuHR8zp+ACTqVFZpg2wJaQnXmvshhgfqUGPqCjNSRLIq asrxSRYFyfAAbwjWvDmQo1MpN1qk3Ai9qsZXbsxc9++kQ+Rinb2P+k0G9gE5wKmtEysiS5R2b4Vk +WwiRPTmBNoE5kHJGh4kgkHxUxil/5G3nB/nWBu7UiM4bUvUChuCI6DxRFfqIspoJmw5eIddvLck 0LyxMYHHpT8H8AzAKajQBQc3J2025XAGzJFEzRp/+4xUnFmGnl+yhkQDGlW4eA3aw1yGk+gcqnEE +4+RJgr4OOxPpekJQzvgsA4oC3dxQlkaE4s8pPQOjVzIpReRi9vkigHeLW3MIS3qQkpbm6h1cZfy TkvgTHAUoCkRNymT2QOJGlYLvw24C2f4gUMdcFlhJPksTGgnJ+PBx0azzdAmsyJuL6FYD3or4t+D nH1nJZn0dMrjV3sMsvZOYFoN0XUjpzDD8q3sQf55thlg4tas7Xwvb+er+Q7eAvAEx+fxr1k3Q+7N wK2dAON7y7BmlfJ9DkByn7g1awfI3AGa2MW/BPAE71A0UvqaVej3CeLYQfHCGrGvWaFmWtTR+T7c +HOdVcJdEZby6XwxQIrXcv8TOl7nUbKO9fVS4LKUOMV9VsTBT+ggN5SvBkByD35myaqD+8yS1wmd RpC5EeaAJr4NIMUbuf8JHa8zS2OO9fUO4thI8fGd0LFb6KR80wEk98D7SMVC59pHelroFoLMC/lM aoWloJGF3N9C57GPVCx0Qr8zieNCipfDQiflawKQ3APbo2gMFLBHMS8L3SqQeRXofC3ofy1oZBX3 t9B52KMUbkK/O4jjKoqXw0In5VsKILkX6iNB/M82PzDz9RK7qDYvcYl5C1PRw/x6PnmzJvH8JLuH ebfwL9g8zOrZkoqHuVQPs+byMIcND3PYx8O8PJCHeQF6mKfJbF4+O5uX+arlZbb77Awvs/Tsodfa KNfptTY8zNJbqniYVZ+qpvoA3ya/oi5ldHutdbfXWnd7rXW31zokeBbwWhtuZemPVtzKqtfacCtL 37anu7Jq+iuNP5t5Oaq4K3UPdyV5khmOhDBJ6+2uvJL/Mb/SWtxdGRIV8HBXJllwk0FxtyVjxc0X 3rJoAV2nxd2VQVyn3jLoJbpOizsqtXHLEhqX67S4Y9LPdVrYqHPNa9u8qDxGnfHy9jfqtDNhuKmJ u406Ttrvy6hjzvgQtoFUt7dRR0qLumgzpC2fUecMJJkJnfOfYR7OxdxGHUmXoVgPOqn//ow6IfP/ uLNY3+DcI6geWpfPetjLQ7se1qzr+SNsE98AkOLrub+H1sNnnXeurx9h6wnStCq+dQ+tlG8tgOQe dI+gWrucewRva1cHyNzB1/DdvAUgxTu4v4fWvUdQrV3tkLsduHUQYLwcHlopH1q8JPfAvqZ6H1+T p7WrE2TuBE1k+S6AFO/k/h5aD1uDsk8X+k0Rx06Kl8NDK+XbDSC5T9w3dD0gcw/sV5/mswBSvKeI h9b/Gzqh30bi2EPxcnhopXxZAMl94r6hexZkfpbP48/DTv550MizRTy0/t/QCf3OI47PUrwcHlop 39MAkvvEfUP3Isj8IozLgzBGD4JGXixiofP/hk7odw1xfJHi5bDQSfmeB5DcJ+4busMg82G+lb/M NwOk+OEiFjr/b+iEfrcSx8MUL4eFTsp3EEByn7gzdMdA5mN8Jj/OpwOk+LEiFjr/M3RCvzOJ4zGK l8NCJ+V7GUByn7gzdKdA5lP8Mf4avNdeA42cKmKh8z9DJ/T7GHE8RfFyWOikfMcBJPeJO0N3FmQ+ y7eyt/hmgBQ/W2SF5n+GTuh3KztLkCat3PoKTcr3GoDk7uQqnsNmuxW6GwG5izs9pPTi/hLrdg95 s4WV6h6IZQ2cdc/HehNn3e4xy8RZd3rcYBJn3eTxvomz7u+4YOKsWzu+YeKsuzoGTJx1Q8d2E2fd y7HMwIn5Em1rK+OP8ybCoUl03pPVeGwF/qYa1OUGdbWDmiBqDa8jW98KyowUO/3nzKCv9qZfNugr C+T/pqQXyH/QoLcUyN8l6QXybzLoqwrkT0q6K7+7N5znTlyWW73mfRP3vonbwiVui5n3vIk7z6tJ hh5+iHrjinXrVlUz+Sco1yVltZPSyQ3KGolXR0OxG0ciykiw+ovXPULl5ifuOlHvHcFUM0OnjXtX 7KWWdn+KnxSvf0r8/Wdt5W055l4/2Pd73nqawz7gU9i/cOeqSJ3T8HcZn073rq6Mz2HXONoALLt3 jD6wieBxLej/1fTdjMjjbPVg+omYtZwY/ZfCvxxrTfsu07sd9kI7bA/YDrOoHfZCO+Dbze4vwB4R pXknAu1QTd8bVVOs+pbaJGrWfGLapBT+/ncWWSsZdZ9rtZjXPte7TU5Am/xVwDaZSm1yAtoE8xr+ FmM0iHdAxKZ/zFNHef4O8qCF2mzCgfK2XGyCZ7NS+AedzYKfmPZuuR9By/1bwJabQa3wI2gFPOKq fog5mbRfRy04ucDcZnG4YXBQv97E9HVGa1Ybs+RkcqrdZbNjNtDsmC00O87mH/BqXspbajYv9S1l jeJ1XIxi41NZYz0kWu7um0VVu0fhWRRTebfdbmi7Pw7YdnNI/7tB/3jvs+vrYtJ/hMZjTBlP1SxW lta5E2fK4DYY79Y5Dq3zUsDWaaDWOQ6tg3s9x0fa5n4iarZFhN58EdcbDHmJ3eI7wAvLow+8n4ww de9xN82Pqt2o8PwoW9rdilehFS8HbEWx47sKmkcMfg9f59FGd+LMZt8ZWvcdquX9yhyFzvK8+JaW wiu0b2x/VMTGn/NODpX7n+7u+4cq9z9V7n+aiPufXs9//eajU6ZOqtz/VLn/qXL/U+X+pz+s+58O x75eXbn/qXL/UyCJbvf7nyr3PwSTqHL/Q+X+h8r9D7frpwKV+x/Gd/9DJdzVgTN376vc/3D3hP8H JaeoVgAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAA AAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAA AAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAA AAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAA AAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAABHQD ABAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAA AAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAA== ------=_NextPart_01C61EB6.BBF5B100 Content-Location: file:///C:/B15244C5/groupinsurance_files/filelist.xml Content-Transfer-Encoding: quoted-printable Content-Type: text/xml; charset="utf-8" ------=_NextPart_01C61EB6.BBF5B100--