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The federal authority. Necessity for its creation has been called by difficulties and

For the insurance companies, and for clients, considering distinctions in the regulating

Conditions of separate states. It served as an essential obstacle to development

Insurance business in the USA.

Association activity is directed on harmonisation of laws The state insurance. The basic has been with that end in view developed Model of the bills covering various aspects of insurance business. On To basis of this model a legislature of states develops the own Laws. Thanks to it will reach real progress in the national Uniformity of laws of insurance. If acts are based on Uniform model they receive the Certificate on Accreditation NAIC. Problems, Which stand now before NAIC - creation of the "exemplary" law,

According to which the authorities of this or that staff would be prepared to

To licensing of foreign insurers (based outside of the USA) without To demand (as in many cases now) them Registration and licensings within each staff. The modelling law Would allow to develop also the unified requirements existing already in Some states, according to which in Board of directors foreign the insurance The companies should be present the American citizens.

Thus, the basic features of regulation of insurance business in the USA Include following aspects:

* The details regulating charters in each separate staff;

* All insurers, agents and brokers should obtain the licence, and, for example

In Wisconsin should represent the detailed 5-year-old business plan and all The necessary data, concerning company managements;

* Minimal requirements to the capital for insurers (from 100 thousand dollars in

To Alabama to 3 mln. dollars of insurance societies of mutual crediting in Kansas);

* Requirements of solvency in the form of deposits and-or minimum Reserves (from the minimum deposit in 300 thousand dollars in Illinois to

The minimum reserve requirement in 2,5 mln. dollars in Florida and in 3 million

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Large Weather Icons Large Weather Icons depict different weather conditions typical in software, weather portals, and mobile gadgets. The images come in typical sizes standard to Windows, Mac OS, and mobile devices. The largest versions are huge 512x512 pixel icons with vector sources in Adobe Illustrator (.ai) format easily available and ready to be printed or used in presentations in highest quality.

Business Icon Set Business Icon Set is a library of fine-looking stock icons for use in programs and on Web projects. They are delivered in a variety of formats, sizes and color schemes.

16x16 Free Application Icons 16x16 Free Application Icons pack contains everything that are required for your web page or software toolbar.

Yellow Web Buttons Yellow Web Buttons offer a library of navigation icon images for social networks and custom web products. The icons are easy on the eye, and provide a uniform theme painted in yellow. The delicious buttons for delicious sites:)

Medical Icons for Vista Medical Icons for Vista has been design to avoid any misconceptions arising while viewing a medical Web site or using a medical program. The icons are provided in numerous sizes and formats.