This Just In

The IRS has added three types of expenses to the list of medical expenses approved for deductions and reimbursement under a Health FSA, Health Reimbursement Arrangement or a Health Savings Account. The first expense is an annual physical exam. The second is full-body electronic scans. Although often performed without a doctor’s recommendation, the IRS considers such scans reimbursable because they serve "no non-medical purpose." (It matters not that this procedure is typically expensive and that cheaper and possibly more effective alternatives exist, such as X-rays.) The third is pregnancy tests, including over-the-counter tests. Anxious mothers-to-be can take comfort that the IRS did not limit the quantity of tests that can be reimbursed.

For details, see
Internal Revenue Bulletin
2007-50, Page 1154:
www.irs.gov/pub/irs-irbs/
irb07-50.

Free Samples Are Expensive click here for more information!

People who get free prescription samples actually spend more on prescriptions in the long run. One reason is that patients continue the medicines even when there are less expensive alternatives. The study was supported by the Robert Wood Johnson Foundation. Additional authors are from Virginia Commonwealth University and the University of Chicago. Younger patients and those not on Medicaid received more samples. Out-of-pocket expenditures were $166 during periods before patients received samples; $244 during periods while patients were receiving samples, and $212 during periods after patients no longer received samples.

AMS Favorite Links:

Medical Assistance, Evaluation for Companies and IndividualsBusiness

Business Development, Marketing and Financial

Personal Interest Areas and Government Programs

How to choose a Hospital! click here

Reputation is what health professionals rely on most when seeking medical care, so it pays to ask around. Check with your physician, friends and family to learn about there experiences and get referrals. A little known secret, at least today and perhaps not tomorrow is to ask the people who work at a hospital what they think, you'll be surprised at the candid answer you get.

You will want to consider the size of the institution depending on the procedure and whether they have the latest techniques and equipment to get the best results. Public resources that survey and rate institutions can be helpful as well as web sites that discuss hospitals and medical topics.

Look to professional forums regarding the experience and expertize of the professional you choose, as well as there education, background and training. Once again rely on those you know or other professionals for references regarding who will be providing your treatment.

When choosing a Hospital check into there patient to nurse ratio and general staffing as well as the level of the staff as there experience in assisting with procedures which you will be undergoing.

You can check with news publications, periodicals which rate and evaluate hospitals as well as government resource. The more informed you are will help to assure the best outcome for good results and recovery.

A little known fact about Social Security and collecting retirement early.

http://www.mymedicare.gov/

Once you makes a selection to start his social security, you can revoke it. Let's say you start social security at age 62 because you are laid off from work. The next year, you are offered work and decide to work a few more years. Because you are under age 66, you need to forfeit $1 of social security for every $2 you earn over $13,560 until you reache the year in which you reache full retirement age. You realize that it would have been better to wait to start social security.

You can elect to "turn the clock back." You can file for "withdrawal of application," -SS form 521- and pay back all benefits you have received (no interest!) . Then, at full retirement age (or anytime you choose), you can start your social security benefits again at a higher level because you are older.

Week of March 24, 2008

News in Health Care

Soaring costs and the slowing economy have put a damper on comprehensive health care reform efforts across the country, most notably in California earlier this year. More limited health care reforms continue unabated, of course, but the cost of comprehensive reform appears more daunting than ever. New Jersey, however, appears to be bucking the trend with a new that would cost an estimated $28.8 million in its first phase and $1 billion in its second phase. The plan (see below) includes an individual coverage requirement and creation of a new state-sponsored health plan. Supporters of the package vow the plan would be implemented without raising taxes. But an important player in the process, Governor Jon Corzine, provided the proverbial splash of cold water when he said that current budget circumstances will greatly impair the state's ability to achieve universal coverage. The governor, however, may announce support for a portion of the proposal. Whether New Jersey is able to join the small number of states with universal health care plans remains to be seen. But State Sen. Joseph Vitale, one of the architects of the plan, has a lot in common with many state legislators across the country in believing that the state has to try. "We can't wait for national reform," he said.

New Cellular Phone Laws that Go Into Effect July 1, 2008 for California


Wireless Telephone Laws FAQs
Two new laws dealing with the use of wireless telephones while driving go into effect July 1, 2008. Below is a list of Frequently Asked Questions concerning these new laws.
Q: When do the new wireless telephone laws take effect?A: The new laws take effect July 1, 2008
Q: What is the difference between the two laws? A: The first prohibits all drivers from using a handheld wireless telephone while operating a motor vehicle. (Vehicle Code (VC) §23123). Motorists 18 and over may use a hands-free device. Drivers under the age of 18 may NOT use a wireless telephone or hands-free device while operating a motor vehicle (VC §23124).
Q: What if I need to use my telephone during an emergency, and I do not have a hands- free device?A: The law allows a driver to use a wireless telephone to make emergency calls to a law enforcement agency, a medical provider, the fire department, or other emergency services agency.
Q: What are the fines(s) if I’m convicted?A: The base fine for the FIRST offense is $20 and $50 for subsequent convictions. With the addition of penalty assessments, the fines can be more than triple the base fine amount.
Q: Will I receive a point on my driver license if I’m convicted for a violation of the wireless telephone law?A: No. The violation is a reportable offense, however, DMV will not assign a violation point.
Q: Will the conviction appear on my driving record?A: Yes, but the violation point will not be added.
Q: Will there be a grace period when motorists will only get a warning?A: No. The law becomes effective July 1, 2008. Whether a citation is issued is always at the discretion of the officer based upon his or her determination of the most appropriate remedy for the situation.
Q: Are passengers affected by this law?A: No. This law only applies to the person driving a motor vehicle.
Q: Do these laws apply to out-of-state drivers whose home states do not have such laws?A: Yes
Q: Can I be pulled over by a law enforcement officer for using my handheld wireless telephone?A: Yes. A law enforcement officer can pull you over just for this infraction.
Q: What if my phone has a push-to-talk feature, can I use that?A: No. However, the law does provide an exception for those operating a commercial motor truck or truck tractor (excluding pickups), implements of husbandry, farm vehicle or tow truck, to use a two-way radio operated by a “push-to-talk” feature.
Q: What other exceptions are there?A: Operators of an authorized emergency vehicle during the course of employment are exempt as are those motorists operating a vehicle on private property.
DRIVERS 18 AND OVER
Drivers 18 and over will be allowed to use a hands-free device to talk on their wireless telephone while driving. The following FAQs apply to those motorists 18 and over.
Q: Does the new “hands-free” law prohibit you from dialing a wireless telephone while driving or just talking on it?A: The new law does not prohibit dialing, but drivers are strongly urged not to dial while driving.
Q: Will it be legal to use a Blue Tooth or other earpiece?A: Yes, however you cannot have BOTH ears covered.
Q: Does the new hands-free law allow you to use the speaker phone function of your wireless telephone while driving? A: Yes.
Q: Does the new “hands-free” law allow drivers 18 and over to text page(?) while driving?A: The law does not specifically prohibit that, but an officer can pull over and issue a citation to a driver of any age if, in the officer’s opinion, the driver was distracted and not operating the vehicle safely. Text paging(?) while driving is unsafe at any speed and is strongly discouraged.
DRIVERS UNDER 18
Q: Am I allowed to use my wireless telephone hands free?A: No. Drivers under the age of 18 may not use a wireless telephone, pager, laptop or any other electronic communication or mobile services device to speak or text while driving in any manner, even hands free. EXCEPTION: Permitted in emergency situations to call police, fire or medical authorities(VC §23124).
Q: Why is the law stricter for provisional drivers?A: Statistics show that teen drivers are more likely than older drivers to be involved in crashes because they lack driving experience and tend to take greater risks. Teen drivers are vulnerable to driving distractions such as talking with passengers, eating or drinking, and talking or texting on wireless devices, which increase the chance of getting involved in serious vehicle crashes.
Q: Can my parents give me permission to allow me to use my wireless telephone while driving?A: No. The only exception is an emergency situation that requires you to call a law enforcement agency, a health care provider, the fire department or other emergency agency entity.
Q: Does the law apply to me if I’m an emancipated minor?A: Yes. The restriction applies to all licensed drivers who are under the age of 18.
Q: If I have my parent(s) or someone age 25 years or older in the car with me, may I use my wireless telephone while driving?A: No. You may only use your wireless telephone in an emergency situation.
Q: Will the restriction appear on my provisional license?A: No.
Q: May I use the hands-free feature while driving if my car has the feature built in?A: No. The law prohibits anyone under the age of 18 from using any type of wireless device while driving, except in an emergency situation.
Q: Can a law enforcement officer stop me for using my hands-free device while driving?A: No. For drivers under the age of 18, this is considered a SECONDARY violation meaning that a law enforcement officer may cite you for using a hands-free wireless device if you were pulled over for another violation. However, the prohibition against using a handheld wireless device while driving is a PRIMARY violation for which a law enforcement officer can pull you over.

Motivating Employees with the Performance Review

Most managers and supervisors see the annual employee performance review as one of the most dreaded work tasks. Most employees, however, view it as one of their defining moments.Money incentives alone do not increase employee motivation levels. The development and communication of accurate performance reviews can significantly increase an employees motivation (and thus performance) levels. Towards completing an accurate employee performance review, consider the following tips:

Be predictable. Apply the same criteria and measurement standards for all employees with the same job descriptions. Also, avoid looking at performance reviews as an annual one-shot moment to formally praise or criticize an employee’s performance.
Be objective. Focus on the employee’s workplace behavior, and measure for improvement in the employee's performance. For example, you can account for the number of projects completed successfully.

Be open. Motivating employees require providing ongoing, periodic feedback. Gain added information and perspectives by talking with the employee’s peers, previous managers, current clients, etc.

Be diligent. Accurate performance reviews stem from a regular process of assessing information gathered throughout the year. Document any supporting evidence of performance levels in the employee’s HR file.

Be professional. Maintain a consistent and standard professional approach when writing and presenting the elements of the performance appraisals. How effective and respectful you manage the employee performance reviews often is often a major factor especially if you are ever sued for wrongful termination.

Be empowering. Work with the employee to create and agree upon action plans and goals to help the employee further succeed and grow with your company.

Our clients receive free HR (Human Resource Platform)
click here!
Your One-Stop HR Solutions Provider…

Multi Life Disability InsurancePetersen International Underwriters is offering bigger premium discounts for multi-life disability insurance for groups as small as two people. For more information, info@amsinsure.com or 800-334-7875

Term InsuranceAmerican General introduced five additional term periods for its term life insurance product, AIG Select-a-Term. Previously, terms were available for years 10, 12 and 15 through 30, but now customers may also choose from terms of 31 to 35 years (depending on issue age and tobacco use status). For more information, info@amsinsure.com where we quote American General and 250 other companies.

Hospital Network Contracts with AetnaPrime Healthcare Services Inc. (PHS) entered into a multi-year managed care agreement with Aetna Health Plans. Aetna enrollees can get care at PHS hospitals. Aetna enrollees will be covered with full in-network benefits. “This dispels the rumor that PHS is adverse to managed care contracting and hopefully, paves the path for other managed care health plans to enter into contracts with fair and reasonable reimbursement,” said Prem Reddy, MD, FACC, FCCP, PHS’ Chairman of the Board. “We are ready and willing to enter into managed care agreements with other major health plans on terms comparable to Aetna’s,” said Lloyd Wilensky, PHS' Vice-president of Health Plan Operations.Prime Healthcare Services Inc. is a rapidly expanding hospital management company in Southern California. PHS owns and operates nine acute care facilities: Centinela Hospital Medical Center in Inglewood, Chino Valley Medical Center, Valley Hospital in Victorville, Huntington Beach Hospital, La Palma Intercommunity, Montclair Hospital Medical Center, Paradise Valley Hospital in National City, Sherman Oaks Hospital and the Grossman Burn Center in Sherman Oaks, and the West Anaheim Medical Center.

How do small business compete for a work force and compete with benefits for workers. A survey found that small business employees feel good about benefit packages and encourage them to work harder and perform better as well as keep them at their current employer.

Vendors of benefit products continue to design affordable products for health, dental, life, disability and pensions along with cafeteria style packages, voluntary packages and other sought after benefits.

Benefits can be tied to the employee’s general belief of his or her financial well being, which is a great concern of employees at small businesses. A high percentage of those surveyed in small business are concerned about the financial future for themselves and there families. Offering a strong benefit package is a sure way for growing companies to improve competitiveness and retain qualified talent in the new economy where the small business is the fastest growing segment of the economy.

Obtaining quality benefits for employees at reasonable cost can be an uphill battle for the small business owner. Without staff to do the research and have the expertise small business have to outsource and rely on providers for assisting them in reviewing the market in order to obtain affordable benefit which there employees can share some of the cost and each party together can benefit in savings and quality benefits.

When looking for benefits consider the following areas.

· Experience of the agency and employees in know the small business market
· Resources available on the internet with easy access for the employer and employee’s
· Availability of multiple products and markets with offerings that fit you business
· Value added services through quality affiliates which are at no cost or affordably designed for small business

To promote productivity, it is important that small business owners make every effort to accommodate the needs of their employees, who might be viewed as one of the primary assets of the company. The health of these companies is clearly an important factor in the health of the U.S. economy. A benefit package can mean employees are free of distracting worries and can focus on the job to be done. Thanks to the innovative products and services that are now available, the small business owners can develop an effective benefits package for their employees.


Quotes & Services for Small Business 2-50 Employees.

Pension Plans…learn more by clicking here

Retirement and the Business Professional

Don’t Put All Your Eggs in One Basket

Many entrepreneurs who start or purchase a business do so for a number of reasons, both
emotional and financial. Social status, the freedom to be your own boss and the potential
for a high income are a few of the reasons commonly cited. For some, business ownership is also seen as a primary way to pay for retirement. If everything goes as planned, the business owner works hard and, over time, the business grows and becomes more valuable. When the owner reaches a certain age the business is sold, with the proceeds from the sale funding the retirement years.

The Realities of Business Ownership

Using the business as the sole means of achieving financial independence amounts to
placing a bet that the owner will be able to sell at the right time, the right price and under
the right terms. There are several reasons why this may not happen: · Business failure: Despite good intentions and hard work, businesses do fail. In 2003, for example, there were 612,296 new, small (less than 500 employees) businesses started in the United States; in the same year, 540,658 small businesses closed their doors, and 35,037 filed for bankruptcy.1
· Timing of the sale: Selling a business is a complex, often time-consuming procedure.
The actual process of finding a buyer, negotiating the deal, arranging financing and
finally closing the sale may extend over months or even years. · Proceeds: Depending on market conditions, the amount realized may not be enough to pay for retirement. Income taxes will inevitably consume some of the proceeds. The owner may have to accept installment payments, rather than a lump sum. · “I am the business”: The value of a business may depend largely on the skills and/or customer relationships of a particular owner. Diversification to Reduce Risk
A business owner who seeks to reduce risk will view his or her business as one asset
among many. In addition to the business, a diversified portfolio could include the following.

· Qualified retirement plans: Business income is used to fund employer-sponsored
qualified plans with a current deduction for contributions and tax-deferred growth.
· Nonqualified plans: Nonqualified deferred compensation plans are often used to
reward selected employees and serve to supplement qualified retirement plans.
· General investment portfolio: A business owner can develop a general investment
portfolio, outside of the framework of the business.

1 Source: U.S. Small Business Administration, Office of Advocacy: “Frequently Asked Questions.” See
http://www.sba.gov/advo/frequentlyaskedquestions, accessed 3/02/07.
Page 1 Presented by: John Beyer

The Need for Health Insurance

Most of us would agree that good health is an extremely valuable attribute. Those in poor
health generally have a lower quality of life as well as a reduced ability to work and earn
an income. Good health is frequently the result of biology (the genes you inherit), the life
style choices you make (exercise, diet, smoking), and appropriate medical care.
And even the healthiest among us need some medical care. Regular physician and dental
visits are a normal part of maintaining good health. Accidents, illness, and simply
growing older are other reasons medical care is necessary.

Paying For Medical Care

Medical care in the United States is, unquestionably, expensive. According to statistics
compiled by the federal government, over 20% of personal consumption expenditures are
directed to medical care.1 For those needing medical care, there are three basic choices:
· Don’t go: Not seeking medical care when it is needed can result in small, treatable
health problems becoming much bigger ones, with sometimes fatal consequences.
· Pay out-of-pocket: Paying for medical care from your own pocket can quickly exhaust
your assets. Huge medical bills are one reason cited as a cause of personal bankruptcy.
· Health insurance: Although the premiums can be expensive, for many individuals and
families, health insurance is the only practical way to provide needed medical care.

Sources of Health Insurance

There are three broad sources of health insurance in the United States today:
· Individually owned policies: The individual or family purchases a health policy
directly from an insurance company or health maintenance organization. Individual
health policies can be relatively expensive compared to group health insurance.
· Group health insurance: Group health insurance is typically provided through an
employer or another related group such as a professional association. The premiums for
group health policies tend to be less than those for individually owned policies.
· Government programs: For those age 65 and older, Medicare provides a base level of
health insurance. Medicaid provides health care for the impoverished. The federal
government has a number of programs to provide medical care to active duty and former
military service members. Some states have individual programs to provide health
insurance to low-income individuals and families.

The Choice Is Yours, affordable rates and great plans Shop Online link

While health insurance may be expensive, trying to pay medical costs out of your own
pocket, or not seeking medical help when needed, can be much more expensive.
1 Source: Statistical Abstract of the United States:2007. Table No. 656 Personal Consumption expenditures in Current and Real (2000) Dollars, by Type: 1990 to 2004.
Page 1 Presented by: John Beyer

AMS Favorite Links:






Medical Assistance, Evaluation for Companies and IndividualsBusiness
Business Development, Marketing and Financial
Personal Interest Areas and Government Programs

Other Products and Services for Business

We have the solutions to fit your needs and budget!…An affordable cost effect platform; internet user friendly, time saving fully compliant payroll, timekeeping, and HRIS integrated for ease of use and accurate timely reports. See the benefit and get a fast quotation based on your company needs. Free up your time and that of your employees.

Your One-Stop HR Solutions Provider… The Internets most advanced HR resource and solutions platform for small to mid-sized businesses experts in the HR field. The Basic package of HR services delivered to your desktop. A Value Added (no cost service) arranged by AMSINSURE.COM for there clients. This free package includes an easy to use employee handbook, all employment forms, and a reference library of updated Federal and State HR legislation.



Business Services…Ideas, Articles and Financial Calculators for Business and Individuals

Pension Plans…Our plans are designed to meet the needs of the business owner over the life of the plan. This means affordable and easy administration combined with plan flexibility to meet changing business conditions. Comparability plans that favor the business owner and key executives allowing for higher limits on contributions by classes of employees than a standard plan. Flexibility in multiple investment options coupled with ease of online computer administration for the employer and employee.



Health Savings Account Plans Explained … As brokers we provide the widest selection in HSA high deductible major medical plans coupled with chooses in types of HSA Savings accounts (interest, mutual funds and stocks) which will most benefit you. An additional added feature is an administration vehicle to help select, choose and pay for services at the right costs, that you may elect to use. To learn more refer to our FAQ on HSA.


Disability Income Plans…Often overlooked building a strong financial plan; this type of policy provides the base of all future plans. Consider the odds of every other risk in life and this one is ahead of them all. Take a moment to consider the possible problems for short term or long-term loss of income from an accident or illness. In a few minuets you can decide on whether you should get a proposal, it only takes a moment. Whether you work for a company, are self-employed or a business owner, there is a plan for you.

Your Key to Easy COBRA Administration! …Easy to use, no prior experience need. Groups with 20 or more are required to meet all Federal Guidelines for Cobra administration.

New Saving for Children’s Education

AMS Travel Related Service…Do you have adequate health insurance when traveling? Most plans may fall short, see how and check it out here. For U.S. Citizens traveling abroad, for foreign visitors entering the United States and Students while in a U.S. school. Check out our travel site for the latest savings on cruises, packages and other special travel services with super savings available only to travel agents.




Long Term Care…(LTC) is a phrase, which is used to describe a variety of services in the area of health, personal care and social needs of a person who requires assistance with the basics of living. Services can be provided in home care, assisted living, or a convalescent care facility. Recent studies based on nursing home admissions indicate that 40% of all persons age 65 and over will enter a nursing home in the future.


AMS Newsletters keeping you informed with high impact ideas and news in an easy to read format. Business Edge, Financial Edge and 21st Century Retirement newsletters up dated bimonthly.



Business Development… Business Strategy, Wealth Building, Skills & Learning, Mind and Body, Personal Development, Spiritual Growth, Success Streams. Whether you are self-employed, a business leader, community leader, sales person or just interested in improving your life or career this site has the resources to assist you. I have personally used Nightingale Conant for over 30 years when first introduced to their material in 1968 while training for a career in the insurance business. Top names such as: Zig Ziegler, Denis Waitley, Dale Carnegie, Napoleon Hill and Earl Nightingale “You become what you think” himself, are just a few of the contributors to a storehouse of information which is available for you development.



AMS Favorite Links…Our favorite places to visit for information. Take a moment to check it out and you won’t be disappointed.

AMSInsure.com - Health Insurance California, Health Insurance Quote, Group Health Insurance, Medical Insurance California, Medical Insurance Quote, Online Quotes

Now, you can give your grandkids money on their birthdays throughout their entire lives. And, it comes every year to each grandchild with a personalized birthday card. Annual birthday gifts start at just $100!


What a special feeling it must be to be reminded, every year on your birthday, how your grandparents cared about you and your happiness – for life.

I’ve enclosed some information that I think you’ll find very interesting. After Thoughts Birthday Insurance is offered by Assurity Life Insurance Company and I think you’ll be surprised at how little it costs to provide each of your grandchildren with a $100 gift on their birthdays for their entire lives.

I’d love to hear your thoughts and I’d be happy to run a no obligation quote for you based on your age, tobacco use, and number of grandchildren you have. Just give me a call at 800-334-7875 or email me at info@amsinsure.com for a free quote. It’s the best birthday present ever for grandchildren.

Give Your Grandkids Money
On Their Birthdays For Life...Now you can arrange for your grandchildren to receive money and a personalized birthday card on their birthdays every year for the rest of their lives. Imagine it... every year of their lives, your grandchildren will be guaranteed to receive a check and birthday card from you on each of their birthdays!
Setting it up for your grandchildren probably costs a lot less than you think...It’s called After Thoughts Birthday Insurance and it’s available from Assurity Life Insurance Company of Lincoln, Nebraska. With an After Thoughts Birthday Insurance SM policy, your grandchildren will always remember how much you loved them because every year on each of their birthdays they’ll receive a personalized birthday card and a check in the amount of your choosing.

The biggest barrier to on-the-job productivity is getting overloaded with work, according to 39% percent of workers surveyed in an online poll by LifeCare Inc. They also listed the following barriers:
• 15% -- other reasons (each response represented less than 1%) including personal health issues, personal relationship issues, general stress, a long commuting time, and inadequate training.
• 12% Basic job expectations were never made clear.
• 8% Pay and rewards are not appropriate.
• 7% Child care issues.
• 7% Office politics and personal conflicts.
• 6% Elder care issues.
• 6% Didn't have the proper tools or equipment.

www.amsinsure.com_links page_life expectancy calculator

Living to 100 Symposium Addresses New Challenges Faced by an Aging Workforce

SCHAUMBURG, Ill., Jan. 24 /PRNewswire/ -- With increased life expectancy and rising healthcare costs, individuals are faced with growing challenges in maintaining their quality of health and lifestyle in living to older ages. As a result, employers and governments are faced with new opportunities and challenges as they respond to an aging population. Those were the central topics of discussion among nearly 200 actuaries, demographers, gerontologists, biologists and researchers from across the globe who participated in the 2008 Living to 100 Symposium in Orlando.

Sponsored by the Society of Actuaries (SOA), the Living to 100 Symposium highlighted why people are living longer, what type of challenges they are facing and what this means for employers. The leading issues of the conference included understanding the aging process and the resulting consequences to life spans, longevity risk, retirement, healthcare and social and financial systems. The conference balanced discussions on the biology and science of aging, healthcare and quality of life issues, life insurance, use of annuities in managing retirement risks and statistics related to mortality trends and the aging population. A key value of the symposium series is that it brings together actuaries and longevity experts to share information and differing perspectives to advance the state of aging research and to refine estimates and projections of the mortality and future number of individuals at high ages.

Steven G. Vernon, FSA, EA, MAAA, producer of The Quest: For Long Life, Health and Prosperity, and president of Rest-of-Life Communications, noted, "There is a 'Catch-22' for individuals as they need to manage their resources for the rest of their lives, yet they don't know how long to expect to live. This is further compounded by the number of individuals taking a lump sum, but not planning accordingly to make it last through their entire retirement."

This is an area where employers can play an important role, Paganelli said. "Employers can take the lead by acting as intermediaries in helping aging employees remain in the workplace to reduce the risk of outliving their assets, which in turn would help strengthen the overall marketplace."

About Living to 100

Living to 100 is an international triennial symposium on high-age mortality and related issues supported by more than 50 sponsoring and participating organizations. Actuaries, demographers, gerontologists, biologists and researchers from around the world attended the event to discuss the implications of living to older ages. The symposium compared experiences across countries from India to the United Kingdom, Canada, Mexico and the United States since all of these countries are experiencing profound changes.

About Actuaries

Actuaries bring a complex future into focus by applying unique insight to risk and opportunity. Known for their comprehensive approach, actuaries enable smarter, more confident decisions.

About the Society of Actuaries

The SOA is an educational, research and professional organization dedicated to serving the public and its 19,000 members. The SOA's vision is for actuaries to be recognized as the leading professionals in the modeling and management of financial risk and contingent events. The SOA's mission is to advance actuarial knowledge and to enhance the ability of actuaries to provide expert advice and relevant solutions for financial, business and societal problems involving uncertain future events. To learn more, visit http://www.soa.org.

www.amsinsure.com