Self-Serve tier

render an erisa fiduciary duty analysis for a 401(k) / 403(b) / 457 / pension plan or for life insurance / disability / health benefits provided through an erisa welfare plan. walks the four erisa fiduciary duties (loyalty, prudence, diversification, plan document compliance), 401(a) plan qualification, prohibited transactions erisa §406 / irc §4975, plan-asset rule, and recovery under §502(a). embedded hughes v. northwestern, tibble v. edison, conkright v. frommert, dudenhoeffer, glenn, cigna v. amara, firestone tire deference. self-contained.

render an aca medical loss ratio (mlr) compliance and rebate analysis for a health insurance issuer under phsa section 2718 (42 usc 300gg-18) and 45 cfr part 158. walks the 80/20 (individual + small group) and 85/15 (large group) thresholds, mlr calculation (numerator + denominator with credibility + transitional adjustments + quality-improvement activities), rebate computation, federal-program carve-outs, and recent rule changes. embedded hhs regulations, cciio guidance, recent enforcement. self-contained.

render an naic life insurance illustrations model regulation (#582) + actuarial standard of practice asop 24 compliance / enforcement analysis for a life insurance illustration. walks the self-supporting + lapse-supported tests, the disciplined current scale (dcs), the basic illustration, supplemental illustration, in-force illustration, ag 49 / 49-a indexed life illustration constraints, and producer's obligations. embedded naic #582, asop 24, ag 49 (2015), ag 49-a (2020), ag 49-b (2023). self-contained.

render a multi-state claims-handling analysis for an insurance carrier or tpa processing first-party or third-party claims. walks naic unfair claims settlement practices act framework, florida §626.9541(1)(i) + rule 69o-220 timeline duties, texas ins. code chapter 542 prompt-pay, california fair claims settlement practices regs (10 ccr §2695), new york 11 nycrr 216, and renders deadline calendar + bad-faith exposure. embedded title 26 section 626 of fl insurance code, icc 542.054 / 542.058, cal code regs title 10 §2695. self-contained.