EFTA01086729Set 9
2015-11-3022p7,182w
assets
and rate paid on liabilities
$52 $51
D Simple objectives $44
r
— Policyholder protection
$24
— Sustainable business model
— Active risk management
— Disciplined, profit-focused underwriting
D Strong, well-capitalized ... significant discount and "subsidy" to cost of funds
Athene: -3.25% Weighted avenge cost of policyholder obligations°,
120 10-Year Peer Average: -4.25% - 525% Weighted avenge cost of policyholder obligations ... platform rated BA-i- by AM Best and A- (Neg) by average cost of policyholder obligations
S&P — Conservative liability acquisition strategy focused on profitability
- Good relationship with primary regulators
https://www.justice.gov/epstein/files/DataSet%209/EFTA01086729.pdf
EFTA02713672Set 11
2012-12-1127p8,550w
provided that:
A. the account is funded by premiums from 1,000 or more
policyholders, or, if a general account, the insurance company
has 1,000 or more policyholders ... insurance company does not limit the policyholders whose
premiums are used to fund the account principally to
Restricted Persons, or, if a general account, the insurance
company does not limit ... policyholders principally to
Restricted Persons;
(iii) An investment company organized under the laws of a foreign
jurisdiction, provided that:
A. the investment company is listed on a foreign exchange
https://www.justice.gov/epstein/files/DataSet%2011/EFTA02713672.pdf
EFTA01107557Set 9
2011-09-0116p3,101w
opinion as to an insurers financial strength
and ability to meet ongoing obligations to policyholders. Our opinions are derived from an
evaluation of a company's balance-sheet strength ... opinion, have a very strong ability to meet their ongoing obligations to
policyholders.
A and A- (Excellent)
Assigned to companies that have on balance, excellent financial strength, operating
performance ... companies, in our opinion, have a strong ability to meet their ongoing
obligations to policyholders.
B++ and B+ (Very Good)
Assigned to companies that have on balance, very good financial
https://www.justice.gov/epstein/files/DataSet%209/EFTA01107557.pdf
EFTA01197222Set 9
2012-12-1127p8,568w
provided that:
A. the account is funded by premiums from 1,000 or more
policyholders, or, if a general account, the insurance company
has 1,000 or more policyholders ... insurance company does not limit the policyholders whose
premiums are used to fund the account principally to
Restricted Persons, or, if a general account, the insurance
company does not limit ... policyholders principally to
Restricted Persons;
(iii) An investment company organized under the laws of a foreign
jurisdiction, provided that:
A. the investment company is listed on a foreign exchange
https://www.justice.gov/epstein/files/DataSet%209/EFTA01197222.pdf
EFTA00612518Set 9
39p8,650w
secret and
fraudulent business transactions which were hidden from the
Companies, their officers, policyholders, shareholders and the
Director as hereafter alleged.
26. Upon assuming control of the Companies, Hoffenberg took ... failure to meet
the minimum capital and surplus requirements; failure to maintain
adequate policyholder Security Deposit Accounts; failure to
comply with the laws relating to the proper registration and
location ... Associated and United Fire, alleging, inter alia, similar
misconduct.
Improper Disbursements
37. To protect policyholders and shareholders, the Illinois
Insurance Code requires that certain procedures be followed in
dealing with
https://www.justice.gov/epstein/files/DataSet%209/EFTA00612518.pdf
EFTA00959362Set 9
2017-11-093p1,031w
purchased through:
•Private Placement Variable Annuity ("PPVA"): For 45-55 bps annually, a policyholder defers taxes on the
investment gains until distribution, death, or expiration of the contract ... ordinary income tax rate
•Private Placement Life Insurance ("PPLI"): For -i% annually, the policyholder may eliminate taxes completely,
depending on various factors (age, health, etc.)"
Although an annuity only defers ... insurance company's underwriting process, but ultimately may
provide greater tax efficiency to the policyholder over the long term.
For Boothbay specifically, since our fund is a 475 election ("Mark
https://www.justice.gov/epstein/files/DataSet%209/EFTA00959362.pdf
EFTA01468631Set 10
7p2,119w
account, provided: (i)
the account is funded by premiums
from 1,000 or more policyholders or, if a general account, the insurance
company has 1,000 or more policyholders ... insurance company does not limit the policyholders whose
premiums are used to fund the account
principally to restricted persons, or if a general account, the insurance
company does not limit ... policyholders
principally to restricted persons.
4.
5.
EFTA01468633
An account, including a fund, limited partnership, joint back office broker-
dealer or other entity, if the beneficial
interests of restricted persons
https://www.justice.gov/epstein/files/DataSet%2010/EFTA01468631.pdf
account, and
(A) the account is funded by premiums from 1,000 or more policyholders, or, if a
general account, the insurance company has 1,000 or more policyholders ... insurance company does not limit the policyholders whose premiums are
used to fund the account principally to Restricted Persons or Covered Investors,
or, if a general account, the insurance company ... does not limit its policyholders
principally to Restricted Persons or Covered Investors.
The New Limited Partner acknowledges that in making representations to brokers, the
Partnership will be relying upon
https://www.justice.gov/epstein/files/DataSet%2010/EFTA01374145.pdf
account, and (a) the account is
funded by premiums from 1,000 or more policyholders, or, if a general account, the
insurance company has 1,000 or more policyholders ... insurance company does
not limit the policyholders whose premiums are used to fund the account principally to
Restricted Persons, or, if a general account, the insurance company does not limit ... policyholders principally to Restricted Persons.
4. a corporation, partnership, trust or other entity and the beneficial interests of Restricted
Persons do not exceed in the aggregate 10% of such entity
https://www.justice.gov/epstein/files/DataSet%2010/EFTA01384722.pdf
EFTA00314427Set 9
53p17,554w
Initial) provided that the account is funded by premiums from 1,000 or more
policyholders, or, if a general account, the insurance company has 1,000 or
more policyholders ... insurance company does not limit the
policyholders whose premiums are used to fund the account principally to
restricted persons, or, if a general account, the insurance company does not
limit ... policyholders principally to restricted persons.
(10) The Investor is a publicly traded entity (other than a broker/dealer or affiliate
(Initial)
thereof where such broker/dealer is authorized to engage in public
https://www.justice.gov/epstein/files/DataSet%209/EFTA00314427.pdf
account, provided: (i) the account is funded by premiums
from 1,000 or more policyholders or, if a general account, the insurance company has 1.000 or more policyholders ... insurance company does not limit the policyholders whose premiums are used to fund the account
principally to restricted persons, or if a general account, the insurance company does not limit ... policyholders
principally to restricted persons.
4. An account, including a fund, limited partnership, joint back office broker-dealer or other entity, if the beneficial
interests of restricted persons
https://www.justice.gov/epstein/files/DataSet%2010/EFTA01454022.pdf
EFTA00621247Set 9
2013-07-2510p2,239w
insurance representative.
333688 2-04 NY
3
;
3
EFTA00621251
Flood/Mudslide Exclusion
Advisory Notice to Policyholders - New York
No coverage is provided by this notice nor can it be construed ... provided. If there is any conflict between the policy and this Advisory Notice to Policyholders, THE
PROVISIONS OF THE POLICY SHALL PREVAIL.
Your homeowners policy does not insure for loss ... please contact your Fireman's Fund insurance representative.
335858 7-00 NY
New York Policyholder Message
Special Notice For Senior Citizens shown below. The notice must contain, in writing,
acceptance
https://www.justice.gov/epstein/files/DataSet%209/EFTA00621247.pdf