members tech financial resources

8/3/2019 Members Tech Financial Resources

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Financial

Resources

2301 McGee Street, Suite 800

Kansas City, Missouri 64108

Main: (816) 842-3600

Help Desk: (816) 783-8500

December 2000

1

2001 National Association of Insurance Commissioners. All rights reserved.


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OVERVIEW: ....................................................................................................................................... 3

AUTOMATED TOOLS:..................................................................................................................... 3

I-SITE ................................................................................................................................................ 3Analyst Notes ................................................................................................................................. 3

Analyst Team Report...................................................................................................................... 3Audit Trail...................................................................................................................................... 4Company Demographics................................................................................................................ 4

Codelist Generator......................................................................................................................... 4

Company Profiles........................................................................................................................... 4

Data Reference Guide.................................................................................................................... 4

Data Models................................................................................................................................... 4Exam Jumpstart Reports ................................................................................................................ 4

Exam Team Designation Page....................................................................................................... 5Exam Team Synopsis...................................................................................................................... 5

Exam Tracking System (ETS)......................................................................................................... 5

Filing-at-a-glance.......................................................................................................................... 5

Financial Analysis Handbook (Checklists).................................................................................... 5

Financial Analysis Handbook (Electronic Manual) ...................................................................... 5

Financial Annual Statement (Pick-a-Page) Reports ...................................................................... 5File Repository............................................................................................................................... 6

Filing Performance........................................................................................................................ 6

IRIS Detail Page ............................................................................................................................ 6IRIS Worksheet Report................................................................................................................... 6

IRIS Worksheet On-Line Analytical Processing (OLAP)................Error! Bookmark not defined.

Line Report .................................................................................................................................... 6Loss Reserves................................................................................................................................. 6

Scoring Reports.............................................................................................................................. 6

Scoring Worksheet ......................................................................................................................... 6

Summary Reports ........................................................................................................................... 7Security and Subsidiary Information ............................................................................................. 7

On-line I-SITE Training................................................................................................................. 7

Personalized Information Capture System..................................................................................... 7View Documents............................................................................................................................. 7

ADDITIONAL AUTOMATED TOOLS............................................................................................ 8

FINANCIAL ANALYSIS HANDBOOK USING PROGRAM AUTOMATOR(FAH)......................................... 8

FINANCIAL CONDITION EXAMINERS HANDBOOK IN FOLIO VIEWS (FCEH)........................................ 8NAIC ELECTRONIC LIBRARY ............................................................................................................. 8

OTHER RESOURCES........................................................................................................................ 9

ACL TRAINING ................................................................................................................................... 9

A.M. BEST.......................................................................................................................................... 9

CRN-CORPORATE RESOURCENET...................................................................................................... 9

CONSUMERINSURANCE GUIDE........................................................................................................... 9

EDGAR DATABASE ........................................................................................................................... 9FINANCIAL ANALYSIS TRAINING-....................................................................................................... 9

FINANCIAL EXAMINERS TRAINING- .................................................................................................. 10HOOVERS ONLINE ........................................................................................................................... 10

INSURANCE INFORMATION INSTITUTE (I.I.I.).................................................................................... 10

LEARNITONLINE (LIOL).................................................................................................................. 10

NAIC STATE TRAINING.................................................................................................................... 11STANDARD AND POORS .................................................................................................................... 11

STATENET ........................................................................................................................................ 11

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WEB SITE RESOURCES AND EXAMPLES:............................................................................... 12

LEARNITONLINE COURSE TITLES: ................................................................................................... 12I-SITE LOG-IN PAGE: ....................................................................................................................... 18

CORPORATE RESOURCENET WEB SITE............................................................................................. 20

CONSUMERINSURANCE GUIDE WEB PAGE....................................................................................... 22HOOVERS WEB SITE........................................................................................................................ 26

INSURANCE INFORMATION INSTITUTE .............................................................................................. 27A.M. BEST WEB SITE ....................................................................................................................... 28

STANDARD AND POORS WEB SITE ................................................................................................... 30NAIC STATENET WEB SITE ............................................................................................................. 33

EXAMPLES OF HOW FINANCIAL STAFF CAN USE NAIC RESOURCES:......................... 35

FINANCIAL ANALYST........................................................................................................................ 35

FINANCIAL EXAMINER...................................................................................................................... 35

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Overview:

Introduction: The NAIC has valuable sources of information that can assist

our Financial staff, but what are these resources, how can they use them and

how can it make their jobs more efficient? This presentation is designed togive you an introductory insight on how to help Financial staff be effective

and efficient in using the resources that are available to them via the NAIC

and elsewhere.

Automated Tools:

I-SITEThere are many applications available within I-SITE that can assist your financial

staff in their search for information. The I-SITE system was developed to allow allusers, especially field examiners, to access this data without having to connect

directly to their states internal network. The I-SITE applications can be usedduring the investigation process for cross-referencing and supplemental reports. Thelack of data on an individual or firm is not an indication that data may not exist

somewhere else. Passwords and IDs may be obtained from the State DP

Coordinator. In the following list you will find some of the information available:

Analyst NotesThe Analyst Notes application provides access to information entered by theNAIC analyst assigned to each company. These notes can include any

pertinent information about a filing that is not captured by other means, such

as records from telephone conversations, electronic mail messages,

compliance and financial data reporting issues, summaries of conversationswith state regulators regarding a company's filing, etc. Analyst Notes allow

you to reference any applicable information for a given company

immediately on-line, without having to contact NAIC staff. If you would liketo contact NAIC staff, NAIC Analyst contact information is also displayed.

A state must sign an agreement with the NAIC ensuring the confidentiality of

this information prior to getting access to it. This is similar to the RBCconfidentiality agreement.

Analyst Team Report

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The Analyst Team Report replaces the Exam Team Synopsis currently

available for Property, Life and Fraternal companies. The process ofreviewing companies has changed from the old exam priority status to amore automated analysis approach that integrates analytical tools such as

FAST and Risk Based Capital ratios. Instead of exam priority, the

company will receive an automated level (i.e. Level A, Level B), whichthen will be reviewed by the Analyst who will either validate the automated

Level assigned or change it based on their review. (Currently available for

only 1999 data year)



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Audit TrailThe Audit Trail application provides access to all changes (edits, inserts anddeletes) to a company's original financial data and demographics. This

application provides detailed information about why, when and who made a

change to the database. It allows you to reference the history of changes that

were made to the financial or company demographics data, eliminating theneed to contact NAIC staff. In addition, this data can be used to trigger an

event that sends a message via the Personalized Information Capture System(PICS) regarding data changes (see below for a description of PICS).

Company DemographicsVarious demographic data is available on each company that submits annualfinancial statements to the NAIC. The financial demographic information is

obtained from the Jurat page and supplement reports filed with the NAIC and

includes: Company Information (i.e.-filing status), Company Contacts, AllAddresses, Officers, Filing by State and Waivers and Extensions.

Codelist GeneratorThis application allows users to view the licensing records of businesses

operating in all states. This system also allows states to update their state

records to ensure that the information is accurate.

Company ProfilesCompany profile reports provide a snapshot of a companys financial

information for the previous 5 years. Quarterly profiles provide informationfor each quarter of the year for which you are requesting data. Profiles are

available for Life, Health and Property Companies.

Data Reference GuideData Reference Guide details how annual statement data is stored on the

NAIC SYBASE and ORACLE database tables.

Data ModelsData models describe the database structure and the relationships between the

tables (objects). This site contains the available data models for NAICdatabases, and the changes in structure and business requirements from

SYBASE to ORACLE. These models can be viewed in a PDF format using

Adobe Acrobat Reader software.

Exam Jumpstart ReportsExamination Jumpstart reports provide a variety of information that allowsexaminers to get a "head start" before arriving onsite to perform a financialexamination of a company. New enhancements have been added that allow

users to view multiple reports, download multiple reports and deletingpreviously requested reports.

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Exam Team Designation PageThis report provides the Examiner Team designations for a specific companyand data year. (Available for 1998 and previous data years.)

Exam Team Synopsis

Examiner Team Reports contain information from findings by the NAICExaminer Team and Insurance Regulatory Information System (IRIS). This

information provides an indication of the financial condition of insurancecompanies. (Available from 1998 and previous data years.)

Exam Tracking System (ETS)Allows market conduct and financial examiners to communicate examinationschedules and results and includes functions for calling financial, market

conduct and combined examinations, reporting dates and easy access to full

information about the people involved in the examination; can also be used toview or update examination information.

Filing-at-a-glanceThe Filing at a Glance report provides regulators the details of the status of

an individual company's filing. This report provides receive dates and

whether the filing passed all minimum standards. Filing at a Glance provides

a quick look at the status of an annual or quarterly filing and eliminates theuncertainty regarding the availability of a filing and the need to contact the

NAIC with questions.

Financial Analysis Handbook (Checklists)The purpose of the Financial Analysis Handbook (FAH) is to aid department

analysts in performing financial analysis of insurance companies. The FAH

checklists are based off of the annual financial statements filed with theNAIC. A multitude of checklists are available on topics ranging from

investments to reinsurance to affiliated transactions and many more. The

checklist consists of the answers to the questions that are available in either ahardcopy manual or an electronic version of the manual, which requires an

additional tool called Program Automator . The combination of the checklist

merged with the manual creates a comprehensive tool in the financial

analysis process. The FAH electronically calculates these ratios, and ifProgram Automator, is used the results can be electronically imported into

the checklists, saving the analyst considerable time and effort.

Financial Analysis Handbook (Electronic Manual)The Financial Analysis Handbook Manual is available electronically in twoformats, Program Automator and Microsoft Word. This tool is available

within I-SITE Utilities. This educational component includes introductory

chapters, a financial analysis framework chapter and analyst reference guides.

Financial Annual Statement (Pick-a-Page) Reports

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The data that is obtained from the Annual Statement pages for those

companies that file their annual statements with the NAIC.



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File RepositoryThis is a resource within I-SITE that allows individuals to retrieve and submitshared files. (Such as MS databases, RIRS reports, excel spreadsheets.)

Filing Performance

Each annual statement filing to the NAIC will be reviewed for accuracy bythe NAIC. This data undergoes an extensive quality review to verify and

ensure that companies have filed the data in a timely manner, in the correct

format, and that it met all of the requirements when transmitted in hardcopy,electronic or by means of diskette.

IRIS Detail PageThis report provides IRIS ratio results for a specific company and data year.

IRIS Worksheet ReportThe IRIS Worksheet report displays IRIS results specific to a company for a

given year. The information contained in this report includes: company

demographics, summarized IRIS ratios results, key annual statement data andthe detailed IRIS ratio information, including the values of the inputs to eachratios calculation.

Line ReportThe Line Report allows the user to select a specific line from a Statement

Page, and presents a report containing data from that line for each of the

companies selected. When the landscape view is selected from the bottom ofthe Financial Firm Search page, there is a new Line Report option that

displays.

Loss ReservesLoss Reserve Analysis reports allow for the examination of a company's

losses in relation to their loss reserves.

Scoring ReportsScoring provides a set of weighted financial ratios that allow an analyst to

prioritize companies based on solvency concern.

Scoring WorksheetThis worksheet displays the calculations used to generate the scoring reports.

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Summary ReportsThis tool can generate specific financial information for groups of companiesmatching the desired criteria. . (i.e.- All of the companies currently licensed

and doing business in your state). The specific financial summary reports

that are available include: Aggregate- A&H Loss Ratio, Aggregate-Business

in the State, Aggregate-Credit A&H Loss Ratio, Aggregate-Market Share andLoss Ratio, Analyst Team, Detail-Market Share and Loss Ratio, Detail-

Unlicensed Premiums, Detail Premium-A&H Net Premium, DetailPremium-Annuity Considerations, Detail Premium-Business in State, Detail

Premium-Life Summary, Filing Submission Status, IRIS Summary Report,

Market Share-A&H, Market Share-Credit A&H, Market Share-Credit Life,

Market Share-Life and Annuity, Scoring Summary-Quarterly Report, ScoringSummary Report, Specific Issuer-Schedule D Securities

Security and Subsidiary InformationThis application provides you with the ability to view current valuations

information for securities and subsidiaries analyzed by the NAIC staff. Onlythose securities evaluated by the NAIC are contained in the NAIC database.

On-line I-SITE TrainingThis tool provides interactive tutorial used to learn the I-SITE interface andits applications. (Currently the I-SITE Navigation and Financial Search

tutorials are available.)

Personalized Information Capture SystemThe Personalized Information Capture System (PICS) allows you to set up a

customized notification system for NAIC databases. Rather than monitoring

reports to determine if financial and/or company information (such as an IRIS

ratio) has changed, you can elect to be notified via e-mail when informationchanges.

View DocumentsThe View Documents application provides access to an electronic version of

the financial filing document submitted by the company and stored by theNAIC. A printable version of a company's data as filed is available. In

addition, electronic access to free-form text portions of the annual statement

filing are available. These include SVO Compliance, Statement of Actuarial

Opinion, Management Discussion and Analysis and Annual AuditedFinancial Statements.

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Additional Automated Tools

Financial Analysis Handbook using Program Automator (FAH)Program Automator allows individuals to combine the Financial Analysis Handbook

reports (answers) with the questions available through Program Automator. The

State Training Team offers this course.

Financial Condition Examiners Handbook in Folio Views (FCEH)The Financial Condition Examiners Handbook is available in an electronic version,

one of the components of the NAIC Electronic Handbook CD-ROM. FCEH is a

Folio product that allows the user to bookmark particular sections, make notes within

a paragraph and search for a word or groups of words. Other benefits of theelectronic handbook include copy, paste and save as a new version (ideal for

examiners that are dealing with multiple companies.) The State Training Team

offers this course.

NAIC Electronic LibraryA quarterly CD-ROM that contains the following items:

The Guide to Compliance with State Audit Requirements

Financial Condition Examiners Handbook (FCEH)

Market Conduct Examiners Handbook (MCEH)

Model Laws (changes quarterly)

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Other resources

ACL trainingThis is a computer based auditing package used to analyze data from almost any

database. ACL is used for data inquiry, analysis and report writing of financial,

market conduct and other auditing examinations. Contact the Sr. Computer AuditSpecialist at (816) 783-8529.

A.M. BestThis site has never been publicly available. No ID and password are required. This

web site includes: Ratings of Insurance Companies, Explanation of their Rating

System and many insurance web site links. The URL for this site is:http://www.ambest.com/

CRN-Corporate ResourceNetAn Internet database (the URL available through the NAIC web page) that supplies

business publications and other data related to a company. Information availableincludes: Financial Reports from Dunn & Bradstreet (at a cost), recent newspaperarticles, recent magazine articles, direct links to companies and newswire

information (Dow Jones). Each state has an identification and password. To obtain

your state identification code and password the Library Services Manager at

(816)783-8252.The URL for this site is: http://search.epnet.com/login.asp

Consumer Insurance GuideAn Internet resource site that delivers accurate, unbiased insurance news for

consumers with tips, in-depth stories, and expert guidance on auto, homeowners,

health, life, and business insurance, plus annuities. This site offers financial security

ratings for all types of insurance according to the Standard and Poors rating scale forcompanies that have willingly participated in their review process. The URL for this

site is http://data.insure.com/

EDGAR DatabaseAn Internet resource site that allows you to retrieve publicly available filinginformation submitted to the Securities and Exchange Commission from January

1994 to the present. The URL for this site is http://www.sec.gov/

Financial Analysis Training-

This program is designed to educate participants on financial analysis techniquesutilizing NAIC solvency surveillance tools, including the Financial AnalysisHandbook, FAST Scoring System, Company Profiles and IRIS Ratios. For inquiries

into this class, please contact the Education and Training Department at the NAIC

(816) 783-8206.

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http://www.ambest.com/http://search.epnet.com/login.asphttp://data.insure.com/http://www.sec.gov/http://www.sec.gov/http://data.insure.com/http://search.epnet.com/login.asphttp://www.ambest.com/


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Financial Examiners Training-This is a program offered by the NAIC Education and Training Department that isco-sponsored by the NAIC and Society of Financial Examiners (SOFE.)

This program is designed to give the beginning financial examiner an orientation to

insurance regulation. The course covers assets and liabilities, SAP and GAAP, the

annual statement, reinsurance, examinations and solvencies. For inquiries regardingthis class, please contact the NAIC Education and Training Department at the NAIC.

(816) 783-8206.

Hoovers OnlineHoover's is an Internet site that provides business information online through its Web

site. Hoover's Online also features links to news, lists, stock quotes, and otherproducts such as Hoover's Industry Snapshots (global industry overviews). Hoover's

offers approximately 14,000 company capsules (brief company descriptions and

financials) for free, and approximately 4,000 company profiles (company histories,strategies, market positions, major events, and other information) available via online

subscription. The profiles cover US and foreign public and nonpublic companies.The URL for this site is http://hoovers.com/

Insurance Information Institute (I.I.I.)The Insurance Information Institute is a primary source of information, analysis andreferral concerning insurance industry designed for media, researches and the public.

The information that is available within this Web site includes Guidelines for Claim

Filing, Fraudulent Service Providers, Preparing for a Catastrophe and How To SaveMoney on Insurance. In addition, this sight also contains information on News

Media, Organizations, International Facts and Financial Services Facts about the

Insurance Industry. The URL for this site is: http://www.iii.org/

LearnItOnLine (LIOL)Internet based training for your staff via Ziff Davis Educations corporateLearnItOnLine Web site. Refer to the attached page for available courses. Each

state has one permanent ID available provided to their LIOL Coordinator to allocate

to staff in need of training. The URL for this site is: http://corp.learnitonline.com/What if I cant remember my states login and ID?

Send the Training Team an e-mail and we will reply with this information

([email protected])

Also availableWe do have four sets of IDs that are rotated among states if you have a larger group

of individuals that need training. These rotating IDs are given to states that requestthem for a period of 60 days, in the order that they are received. Send the TrainingTeam an e-mail to make a request ([email protected])

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http://hoovers.com/http://www.iii.org/http://corp.learnitonline.com/http://corp.learnitonline.com/http://www.iii.org/http://hoovers.com/


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NAIC State TrainingThe State Training Team provides training on the, I-SITE, Microsoft applications,Financial Condition Examiners Handbook, Financial Analysis Handbook Using

Program Automator, Market Conduct Examiners Handbook, Querying the

Sybase/Oracle Tables Using Access, as well as specialized Financial and Market

Conduct Training. For technical computer training, please call the NAIC operatorand ask to speak to a state trainer or send an e-mail to: [email protected]

Standard and PoorsThis web site provides ratings and analysis on the creditworthiness of insurers

around the world. Standard & Poors Insurance Ratings Services rates the financialstrength of more than 4,000 insurance companies worldwide, within the life, health,

property/casualty, reinsurance, mortgage and title sectors. In addition, Insurance

Ratings rates bonds and commercial paper issued by insurers. The URL for this siteis: http://standardandpoors.com/

StateNetThis web site has information about the NAIC, direct links to many of ourapplications, calendar of events, training information, discussion forums and the

committee activities (i.e.-EX7). There is also a Whats New section that lists the

current initiatives and information about Y2K. This web site is intended for NAIC

staff members and State Department of Insurance Employees only. This site isconfidential and requires an I.D. and password that may be obtained for State Users

through their DP Coordinator. The URL for this site is: http://www.naic.org/state/

If you already have an I-SITE ID and password, you can get directly into StateNetfrom the I-SITE Log-in page. The two available I-SITE locations are http://i-site-

state.naic.org/ and http://i-site.naic.org/

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mailto:[email protected]://standardandpoors.com/http://www.naic.org/state/http://i-site-state.naic.org/http://i-site-state.naic.org/http://i-site.naic.org/http://i-site.naic.org/http://i-site-state.naic.org/http://i-site-state.naic.org/http://www.naic.org/state/http://standardandpoors.com/mailto:[email protected]


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Web Site Resources and Examples:

LearnItOnLine Course Titles:

http://corp.learnitonline.com/From the Learn It OnLine computer training environment, you can select any of the followingcomputer-based tutorials. If you would like a recommendation about which tutorials to take, try the

Skills Assessment before starting your course.

Access 2000

Access 2000: Level 1

Access 2000: Level 2

Access 2000: Advanced

Access 2000: Introduction to ApplicationDevelopment

Access 2000 (Deutsch)

Access 2000: Ebene 1 (Deutsch) Access 2000: Ebene 2 (Deutsch)

Access 2000: Erweitert (Deutsch)

Access 2000 (Espaol)

Access 2000: Nivel 1 (Espaol)

Access 2000: Nivel 2 (Espaol)

Access 2000:Avanzado (Espaol)

Access 2000: Introcuccion al Desarollo

de Aplicaciones (Espaol)

Access 2000 (Franais)

Access 2000: Niveau 1 (Franais)

Access 2000: Niveau 2 (Franais) Access 2000: Avance (Franais)

Access 2000: Introduction auDeveloppement des Applications

(Franais)

Access 2000 (Italiano)

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Access 2000: Livello 1 (Italiano)

Access 2000 (Japanese)

Access 2000: Level 1 (Japanese)

Access 2000: Level 2 (Japanese)

Access 2000: Advanced (Japanese)

Access 2000: Introduction to ApplicationDevelopment (Japanese)

Access 2000 (NL/NL)

Access 2000: Niveau 1 (NL/NL)

Access 2000: Niveau 2 (NL/NL)

Access 2000: Gevorderd (NL/NL)

Access 2000 (Spanish/English)

Access 2000: Nivel 1 (Spanish/English)

Access 2000: Nivel 2 (Spanish/English)

Access 2000: Avanzado(Spanish/English)

Access 2000: Introduccin al Desarrollo

de Aplicaciones (Spanish/English)

Access 97 Access 97: Level 1

Access 97: Level 2

Access 97: Advanced

Access 97: Introduction to Application

Development

Act! 2000

ACT! 2000: Advanced

ACT! 2000: Introduction

Act! 4.0

ACT! 4.0: Introduction

ACT! 4.0: Advanced

Approach Millennium Edition 9.0

Approach Millennium Edition 9.0:

Introduction

Approach Millennium Edition 9.5


Introduction


Advanced

Excel 2000

Excel 2000: Level 2 Excel 2000: Level 1

Excel 2000: Advanced

Excel 2000 (Deutsch)

Excel 2000: Ebene 1 (Deutsch)

Excel 2000: Ebene 2 (Deutsch)

Excel 2000: Erweitert (Deutsch)

http://corp.learnitonline.com/http://corp.learnitonline.com/


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Excel 2000 (Espaol)

Excel 2000: Nivel 1 (Espaol)

Excel 2000: Nivel 2 (Espaol)

Excel 2000: Avanzado (Espaol)

Excel 2000 (Franais) Excel 2000: Niveau 1 (Franais)

Excel 2000: Niveau 2 (Franais)

Excel 2000: Avanc (Franais)

Excel 2000 (Italiano)

Excel 2000: Livello 1 (Italiano)

Excel 2000 (Japanese)

Excel 2000: Level 1 (Japanese)

Excel 2000: Level 2 (Japanese)

Excel 2000: Advanced (Japanese)

Excel 2000 (NL/NL) Excel 2000: Niveau 1 (NL/NL)

Excel 2000: Niveau 2 (NL/NL)

Excel 2000: Gevorderd (NL/NL)

Excel 2000 (Spanish/English)

Excel 2000: Nivel 1 (Spanish/English)

Excel 2000: Nivel 2 (Spanish/English)

Excel 2000: Avanzado (Spanish/English)

Excel 7.0

Excel 7.0: Introduction

Excel 97 Business Statistics in Excel 97

Excel 97: Level 1

Excel 97: Level 2

Excel 97: Advanced

Filemaker Pro 5.0

FileMaker Pro 5.0: Introduction

Filemaker Pro 5.0: Intermediate

Filemaker Pro 5.0: Advanced

Freelance Graphics Millennium Edition 9.0

Freelance Graphics Millennium Edition

9.0: Introduction

Freelance Graphics Millennium Edition 9.5

Freelance Graphics Millennium Edition9.5: Introduction

Freelance Graphics Millennium Edition

9.5: Advanced

FrontPage 2000

FrontPage 2000: Introduction

FrontPage 2000: Advanced

FrontPage 2000 (Espaol)

FrontPage 2000: Introduccin (Espaol) FrontPage 2000: Avanzado (Espaol)

FrontPage 2000 (Franais)

FrontPage 2000: Introduction (Franais)

FrontPage 2000: Avanc (Franais)

FrontPage 2000 (Spanish/English)

FrontPage 2000: Introduccin

(Spanish/English)

FrontPage 2000: Avanzado

(Spanish/English)

FrontPage 2000 (Italiano) FrontPage 2000: Introduzione (Italiano)

FrontPage 2000 (Japanese)

FrontPage 2000: Introduction (Japanese)

FrontPage 2000: Advanced (Japanese)

FrontPage 2000 (Spanish/English)

FrontPage 2000: Introduccion

(Spanish/English)

FrontPage 2000: Avanzado(Spanish/English)

FrontPage 98 FrontPage 98: Introduction

FrontPage 98: Advanced

GoLive 4.0

GoLive 4.0: Introduction

GroupWise 5.5

GroupWise 5.5: Introduction

GroupWise 5.5: Advanced

HTML 4.01

HTML 4.01 Web Authoring: Level 1

HTML 4.01 Web Authoring: Level 2

HTML Programming 4.0

HTML Programming 4.0: Introduction

HTML Programming 4.0: Advanced

Internet Explorer 4.0

Internet Explorer 4.0: Introduction



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Internet Explorer 5.0 (Deutsch)Internet Explorer 5.0: Einfuhrung (Deutsch)

Internet Explorer 5.0 (Franais)


(Franais)

Internet Explorer 5.0 (Italiano)

Internet Explorer 5.0: Introduzione

(Italiano)

Internet Explorer 5.0 (Japanese)

Internet Explorer 5.0: Introduction(Japanese)

Internet Explorer 5.0 (Spanish/English)

Internet Explorer 5.0: Introduccin(Spanish/English)



Lotus 1-2-3 Millennium Edition 9.0

Lotus 1-2-3 Millennium Edition 9.0:Level 2

Lotus 1-2-3 Millennium Edition 9.0:

Level 1


Advanced

Lotus 1-2-3 Millennium Edition 9.5


Level 1


Level 2

Lotus 1-2-3 Millennium Edition 9.5:Advanced

Macintosh

Excel 98: Introduction for Macintosh

Excel 98: Advanced for Macintosh

PowerPoint 98 for Macintosh Word 98: Introduction for Macintosh

Word 98: Advanced For Macintosh

FileMaker Pro 5.0: Introduction for

Macintosh

FileMaker Pro 5.0: Intermediate For

Macintosh

FileMaker Pro 5.0: Advanced For

Machintosh

Macintosh OS 9.0

Macintosh OS 9.0: Introduction

Macintosh OS 9.0: Advanced

Microsoft Money 2000 Microsoft Money 2000

Microsoft Netmeeting 3.0

NetMeeting 3.0: Internet Conferencing

Microsoft Office 2000 I

Microsoft Office2000: Webcomponentenen Samenwerking (NL/NL)

Microsoft Office 2000

Microsoft Office 2000: Document

Integration

Microsoft Office 2000: New Features Microsoft Office 2000: Web Components

and Collaboration

Microsoft Office 2000: Macro

Programming Using VBA

Microsoft Office 2000: Small Business

Tools

Microsoft Office 2000 (Japanese)

Microsoft Office 2000: New Features

(Japanese)

Microsoft Office 2000 (Deutsch)

Microsoft Office 2000: Neue Funktionen(Deutsch)

Microsoft Office 2000: Webkomponenten

und Zusammenarbeit (Deutsch)

Microsoft Office 2000 (Espaol)

Microsoft Office 2000: ComponentesWeb para Colaboracin (Espaol)

Microsoft Office 2000: Nuevas

Caractersticas (Espaol)

Microsoft Office 2000 (Franais)

Microsoft Office 2000: Composants Web

Components et Collaboration (Franais) Microsoft Office 2000: Nouvelles

Fonctions (Franais)

Microsoft Office 2000 (Japanese) I

Microsoft Office 2000: Web Components

and Collaboration (Japanese)

Microsoft Office 2000 (Spanish/English)



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Microsoft Office 2000: Componentes

Web para Colaboracin (Spanish/English)

Microsoft Office 97

Microsoft Office 97: DocumentIntegration

Microsoft PhotoDraw 2000Version 2.0

Microsoft PhotoDraw 2000 Version 2.0:

Introduction

Microsoft Project 2000

Microsoft Project 2000: Level 1

Microsoft Project 2000: Level 2

Microsoft Project 98

Microsoft Project 98: Introduction

Microsoft Project 98: Advanced

Microsoft Publisher 2000 Microsoft Publisher 2000: Introduction

Microsoft Small Business Tools

Microsoft Office 97: Small Business

Tools

Microsoft Works Suite

Microsoft Works Suite 2000: Introduction

Microsoft Works Suite 2000: Advanced

Net Objects Fusion 5.0

Net Objects Fusion 5.0: Introduction

Netscape Communicator 4.5

Netscape Communicator 4.5: Introduction

Netscape Communicator 4.7


Netscape Communicator 4.7 (Japanese)


(Japanese)

Netscape Communicator 4.7(Spanish/English)

Netscape Communicator 4.7:

Introduccin (Spanish/English)

Notes 4.5

Notes 4.5: Introduction

Notes 4.6

Notes 4.6: Mail Features

Notes 4.6: Database Features

Notes 5.0

Notes 5.0: New Features

Notes 5.0: Database Features

Notes 5.0: Mail Features

Notes 5.0: Advanced Features

Notes 5.0 (Deutsch)

Notes 5.0: Mail-Funktionen (Deutsch)

Notes 5.0 (Espaol)

Notes 5.0: Caractersticas del Correo

(Espaol)

Notes 5.0 (Franais)

Notes 5.0: Fonctions de Messagerie(Franais)

Notes 5.0: Fonctions de la Base de

Donnes (Franais)

Notes 5.0 (Japanese)

Notes 5.0: Mail Features (Japanese)

Outlook 2000

Outlook 2000: Introduction

Outlook 2000: Advanced

Outlook 2000 (Deutsch)

Outlook 2000: Einfhrung (Deutsch)

Outlook 2000: Erweitert (Deutsch)

Outlook 2000 (Espaol)

Outlook 2000: Avanzado (Espaol)

Outlook 2000 (Japanese)

Outlook 2000: Introduction (Japanese)

Outlook 2000: Advanced (Japanese)

Outlook 2000 (NL/NL)

Outlook 2000: Introductie (NL/NL)

Outlook 2000: Gevorderd (NL/NL)

Outlook 2000 (Spanish/English)

Outlook 2000: Introduccin(Spanish/English)

Outlook 2000: Avanzado(Spanish/English)

Outlook 97





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Outlook 98



Paradox 9.0

Paradox 9.0: Introduction Paradox 9.0: Advanced

PowerPoint 2000

PowerPoint 2000: Introduction

PowerPoint 2000: Advanced

PowerPoint 2000 (Deutsch)

PowerPoint 2000: Einfhrung (Deutsch)

PowerPoint 2000: Erweitert (Deutsch)

PowerPoint 2000 (Espaol)

PowerPoint 2000: Introduccin (Espaol)

PowerPoint 2000: Avanzado (Espaol)

PowerPoint 2000 (Franais)

PowerPoint 2000: Introduction (Franais)

PowerPoint 2000: Avanc (Franais)

PowerPoint 2000 (Japanese)

PowerPoint 2000: Introduction (Japanese)

PowerPoint 2000: Advanced (Japanese)

PowerPoint 2000 (NL/NL)

PowerPoint 2000: Introduction (NL/NL)

PowerPoint 2000: Advanced (NL/NL)

PowerPoint 2000 (Spanish/English)

PowerPoint 2000: Introduccin(Spanish/English)

PowerPoint 2000: Avanzado

(Spanish/English)

PowerPoint 97

PowerPoint 97: Advanced

PowerPoint 97: Introduction

Presentations 9.0

Presentations 9.0: Introduction

QuarkXPress

QuarkXPress 4.0: Level One

Quattro Pro 9.0

Quattro Pro 9.0: Spreadsheets

Quattro Pro 9.0: Charts and Databases

QuickBooks 2000

QuickBooks 2000: Get Going

QuickBooks 2000: Keep Going

Quicken 2000

Quicken 2000: Introduction

Quicken Basic 99

Quicken Basic 99: Introduction

StarOffice 5.1

StarOffice 5.1: Transition from Microsoft

Office

ToolBook II Instructor 7.1

ToolBook II Instructor 7.1: IntroductionToolBook II Instructor 7.1: Advanced

Visio 2000 Visio 2000 Professional: Basic Skills

Vizact 2000

Microsoft Vizact 2000: Introduction

Windows 2000

Windows 2000: Introduction

Windows 2000: Transition from

Windows 98

Windows 2000 (Franais)

Windows 2000: Transition a partir de

Windows 98 (Franais)

Windows 2000 (Italiano)

Windwos 2000: Introduzione (Italiano)

Windows 2000 (Japanese)

Windows 2000: Introduction (Japanese)

Windows 2000: Transition from

Windows 98 (Japanese)

Windows 2000 (Spanish/English)

Windows 2000: Introduccin

(Spanish/English)

Windows 95

Windows 95: Introduction

Windows 95: Advanced User



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Windows 98 Word 2000 (Espaol)

Windows 98: Introduction Word 2000: Nivel 1 (Espaol)

Windows 98: Transition from Windows

95

Word 2000: Nivel 2 (Espaol)

Word 2000: Avanzado (Espaol) Windows 98: Selected Features and

Internet Options Word 2000 (Franais) Word 2000: Niveau 1 (Franais) Introduction to Personal Computers

Using Windows 98 Word 2000: Niveau 2 (Franais)

Word 2000: Avanc (Franais)Windows 98 (Deutsch)

Windows 98: Einfhrung (Deutsch) Word 2000 (Japanese)

Word 2000: Level 1 (Japanese)Windows 98 (Espaol) Word 2000: Level 2 (Japanese) Windows 98: Introduccin (Espaol) Word 2000: Advanced (Japanese)

Windows 98 (Franais) Word 2000 (NL/NL) Windows 98: Introduction (Franais) Word 2000: Niveau 1 (NL/NL)

Word 2000: Niveau 2 (NL/NL)

Windows 98 (Japanese) Word 2000: Gevorderd (NL/NL) Windows 98: Introduction (Japanese)

Word 2000 (Spanish/English)Windows 98 (Spanish/English)

Word 2000: Nivel 1 (Spanish/English) Windows 98: Introduccin

(Spanish/English) Word 2000: Nivel 2 (Spanish/English)

Word 2000: Avanzado (Spanish/English) Windows 98: Transicin Desde Windows

95 (Spanish/English) Word 7.0

Word 7.0: Level 1Windows Millennium Edition

Windows Millennium Edition:

IntroductionWord 97

Word 97: Level 1

Word 97: Level 2

Windows NT 4.0 Word 97: Advanced Windows NT Workstation 4.0:

IntroductionWord 97: Advanced Word Pro Millennium

Edition 9.0Word 2000

Word Pro Millennium Edition 9.0:

Introduction Word 2000: Level 1

Word 2000: Level 2

Word 2000: Advanced Word Pro Millennium Edition 9.5

Word Pro Millennium Edition 9.5:

IntroductionWord 2000 (Deutsch)

Word 2000: Ebene 1 (Deutsch) Word Pro Millennium Edition 9.5:

Advanced Word 2000: Ebene 2 (Deutsch)

Word 2000: Erweitert (Deutsch)

WordPerfect 9.0 WordPerfect 9.0: Level 1

WordPerfect 9.0: Level 2

WordPerfect 9.0: Advanced



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I-SITE Financial Firm Search Lookup Results Page:

I-SITE Financial Reports Page:



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Corporate ResourceNet Web Site

http://search.epnet.com/login.asp

http://search.epnet.com/login.asphttp://search.epnet.com/login.asp


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Consumer Insurance Guide Web Pagehttp://data.insure.com

http://data.insure.com/http://data.insure.com/


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Consumer Insurance Guide Search Results based on the criteria Alabama

Health companies for all ratings:

Edgar Database Web site:



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http://www.sec.gov/edgarhp.htm

EDGAR Database Search the EDGAR Database:

http://www.sec.gov/edgarhp.htmhttp://www.sec.gov/edgarhp.htm


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EDGAR Database Search the EDGAR Archives:

Detailed information for an available EDGAR file:



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Hoovers Web Site

http://hoovers.com/

Hoovers Online Web Site results based on the company criteria of Aetna:

http://hoovers.com/http://hoovers.com/


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Insurance Information Institutehttp://www.iii.org/

http://www.iii.org/http://www.iii.org/


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Insurance Information Institute Financial Service options:

A.M. Best Web site

http://www.ambest.com/

http://www.ambest.com/http://www.ambest.com/


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A.M. Best Rating Scale

A.M. Best Search using NAIC Company Code:



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A.M. Best Search Results:

Standard and Poors Web sitehttp://www.standardandpoors.com/

http://www.standardandpoors.com/http://www.standardandpoors.com/


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Standard and Poors CUSIP Ratings Services:

Standard and Poors CUSIP Request (Select the Insurance Cos/PPN

Requests)



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Standard and Poors e-mail (or fax form) to submit for CUSIP

information (4 free CUSIPS received within 2 working days):



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NAIC StateNet Web site

http://www.naic.org/state (ID & Password Required)(You may select the link from the I-SITE Log-in screen, if you have an I-SITE ID and

Password)

NAIC StateNet Committee Activities Information:

http://www.naic.org/statehttp://www.naic.org/state


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NAIC StateNet National Meeting Minutes:



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Examples of How Financial Staff can use NAIC Resources:

Note: These are only EXAMPLES of financial analysis.

Each state may conduct their financial analysis in a variety of ways.

Financial Analyst

1. IRIS Ratio Results-This page displays the ratio results for a company in comparison with an unusual

range of acceptable ratios.(Available to the public)

2. Examiner Team Synopsis Letters, Exam Team Designation Reports or Analyst Team Reports (IFAVAILABLE.) The Examiner Team reports are available for the data years of 1998 and below. The

Analyst Team Reports are only available for 1999 data year. These reports are created by a team of

examiners that rates and summarizes their review process.

3. Scoring Reports Reviews at the individual ratios to determine what ratios are causing that high score.

(i.e.-major organizational change-or purchasing another company.) (NOT Available to the public)4. Company Profile Reports-There are nine different profile reports that may be helpful in analyzing the

trends of a company over a 5-year period.

5. Financial Analysis Handbook Reports-Allows you to determine checklist answers through the

generation of FAH Reports. Not every checklist answer is provided, but if an answer can bedetermined from companies filing it will be incorporated into the report.

Financial Examiner(The information may vary depending on the rules governing the examination process for your Department

of Insurance.)



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1. Generally the Financial Examiner will receive a comprehensive prepared by a Financial Analysts. If

not, the examiner would begin their own examination using the reports listed above in combinationwith the following information.

2. View Exam Jumpstart reports.

Cusip Exception-These reports show those cusip numbers listed on Schedule D that are not accounted

for by the NAIC Securities Valuation Office.Designation Exceptions-A detailed report of one designation specified by the examiner. (Exceptionsthat an examiner might define would be any that were left blank or those that have been designated

with a score of 7.)

Reinsurance Assumed/Ceded-These reports help in the analysis of determining what the company hasdone to distribute the risk of their investments. (A list of companies that have either ceded premiums to

this company7 or the company had ceded to another company.)

Investment Market Value Exceptions for Common Stocks and Preferred Stocks-These reports display

any differences in what the company reports for stock values and what the SVO reports as stockvalues. (This report only displays those values that are significantly different than the actual value.)

3. View the Security and Subsidiary information available in I-SITE- To confirm that the cusip is correct

and to view the status of investments (subsidiaries) for that company.

4. View pick-a-page reports-Determine if there is a large difference between what the company reports

and the reinsurance report. (Schedule F, Underwriting and Investment Exhibit and the Balance Sheet.)