1. Life & Health Insurance, 13th Edition
2. Getting Started in Annuities, Comprehensive Coverage
3. Annuities Answer Book 2004 Cumulative Supplement
3A. CIC Section 10540
4. Dictionary of Insurance Terms, Third Edition
5. Getting Started in Annuities, Comprehensive Coverage
6. Gallup Study of Owners of Nonqualified Annuity Contracts – 2001
7. Dictionary of Insurance Terms
8. Life & Health Insurance, 13th Edition (including following 3 paragraphs)
9. Ibid.
10. Ibid.
11. Ibid.
12. Weiss Ratings, Inc.
12A. CIC Section 10541
12B. CIC Section 10112
13. Weiss Ratings, Inc.
14. National Association of Insurance Commissioners (NAIC) website
15. California Insurance Code (CIC) Section 10168.1
16. CIC Section 10168.2
17. CIC Section 1068.25
18. CIC Section 1068.3
19. CIC Section 1068.4
20. CIC Section 10168.5
21. CIC Section 10168.7
22. CIC Section 10168.9
23. Annuities Answer Book 2004 Cumulative Supplement
24. Ernst & Young Tax Guide 2004
25. Personal Financial Planning Guide, Ernst & Young
26. Annuities Answer Book 2004 Cumulative Supplement
27. Life Insurance Selling, April 2002
28. Sarasota Herald-Tribune, Jonathan Clements, 7/8/04
28. Annuities Answer Book 2004 Cumulative Supplement
29. IRC 401(a)(31), 403(b)(10), 457(d)(1)(C)
30. Treas Reg 1.401(a)(31)-1, Q&As 9, 11
31. IRC 402©(3), 408 (d)(3)(A), 457(e)(16); Rev Proc 2003-16, 2003-4 IRB 305
32. (under IRS Code Section 72(e))
33. IRC letter ruling 7/13/2000
33A. PLR 200022003
34. Treas. Reg. #25.2511-1(h)(g)
35. IRS 2503(b)(1), 102; Rev. Proc. 2001-59, 2001-52 IRB 1
36. IRC 2503(b)(2)
37. IRC 2033,2039
37A. [IRC 2010(c)]
38. IRC 1014(b)(9)(A); Rev. Rul 79-335, 19979-2 CB 292
39. Variable Annuity Research and Data Service [VARD]
40. CIC Section 10127.10
41. A Producer’s Guide to Variable Annuities 2003, Life Insurance Selling
42. http://www.sec/gov/investor/pubs/varannty.htm
43. http://www.nasd.com.alert_02-01.htm
44. VARD's Profilers — Third Quarter 1999
45. under Section 26(c)
46. A Producer’s Guide to Equity indexed Annuities 2003, Life Insurance Selling
47. Section 3(a)(8)
48. Malone v Addison ins. Mktg., Inc., 225 F Supp 2d 743 (WD Ky 2002)
49. A Producer’s Guide to Equity indexed Annuities 2003, Life Insurance Selling
50. Ibid.
51. Ibid.
52. Ibid.
53. IRS Code Section 72
54. California Insurance Code Section 789.8
55. CIC Section 10127.10-10127.12
56. CIC Section 10127.11
57. CIC Section 1027.12
58. CIC Section 787(k)
59. Black’s Law Dictionary, Fourth Edition
60. State of Calif., Department of Insurance, Attachment II, Page 26, 12/12/01 Living Trust Mills and Pretext Interviews
61. CIC Sections 17299 and 17500
61A. CIC Section 791 and sequential portions
62. CIC Section 791.03
63. CIC Section 787
63(A) CIC Section 787(a)
63(B) CIC 1725.5
63(C) CIC 1725.5(a)
63(D) CIC 1725.5(d)
63(E) CIC 1725.5(e-j)
64. CIC Section 789.8
65. CIC Section 789.9
66. CIC Code Section 1724
67. CIC Section 10509.2
68. CIC Section 10509.2(b)
69. CIC Section 10509.2(c)
70. CIC Section 10509.2(g)
71. CIC Section 10509.4
72. CIC Section 10509.6
72A. CIC Section 1027.11
73. CIC Section 10509.8
74. CIC Section 10509-10509.9
75. CIC Section 10509.4
76. CIC Section 780
77. CIC Section 781
78. CIC Section 782
79. CIC Code Section 783
80. CIC Section 783.5
81. CIC Section 784
82. CIC Sections 780 or 781
83. The Insurance Forum, Vol.30,No.9
83A CIC Section 798.8 (a) (b)
83B. 798.8(c-end)
84. Treas. Reg. 1.1035-1
85. Ltr Rul 8515063, 8310033 and Ltr Rul 8746052, and Treas Reg 1.1002-1(d)
86. 2002-45 IRB 812
87. CIC Code Section 1067 – 1067.18
88. Calif. Civil Code 38 & 39
90. CIC Code Section 787(b)
91. CIC Code Section 1668.1
401 (k) – Single Premium Life Insurance
http://wwww-e.analytics.com/fp17.htm
Variable & Fixed Annuities
http://www.e-analytics.com/fp30.htm
Keogh Plans
http://www.e-analytics.com/fp33.htm
Tax Treatment of Variable Annuities
http://www.variableannuityonline.com/free/vatal.cfm
Estate Planning, MFS Fund Distributors. mfs.com 8/14/99
Changes in Federal Gift & Estate Tax. wmop@mindspring.com
Several excellent articles from Recer Estate Services. Recer.com
Roth IRA. rothirainc.com
How the Stock market Affect Annuities
insure.com/life/annuity/stock market.html
Variable Life
variableannuityonline.com/vlife/vlwhat.cfm
Financial Planning – GE Center for Financial Learning
financiallearning,com/financial_life_events/building_basics.html
Insure.com’s Retirement Roundtable
insure.com/life/roundtable99/index.html
Morningstar Fund Selector
screen.morningstar.com/FundResults.html
Equity-indexed Annuities, The best thing since sliced bread?
insure.com/life/annuity/eiamain.html
How Much Money Will You Need When You Retire
e-analytics.com
Roth Conversion IRA Retirement Plan
roth-ira-conversion.com/
401(k) and 403(b) Retirement Plans
financialplan.about.com/finance/financialplan/msub401k.htm