Life Insurance Needs Calculator – Model required coverage based on dependents, debts, and income needs.
Annuity Tax Advantage Calculator – Compare taxable vs. tax-deferred investment growth.
Disability Probability Calculator – Quantify risk of income loss from disability.
Long-Term Care Cost Estimator – Estimate nursing home, assisted living, and in-home care costs.
Tax-Equivalent Yield Calculator – Find equivalent taxable yield for tax-exempt securities.
Capital Gains Tax Calculator – Estimate tax owed on securities sales.
Inflation Impact Calculator – Measure inflation-adjusted returns.
The insurance and financial services industries operate within a strict set of rules designed to protect consumers, ensure fair competition, and maintain market integrity. This page provides direct access to authoritative sources, summaries of key laws and regulations, and citations for further reading. All resources link to their original documents to ensure accuracy.
Indiana Department of Insurance (IDOI)
Summary: Regulates insurance products, agent licensing, and consumer protections in Indiana.
Citation: Indiana Code Title 27 – Insurance
Summary: Defines licensing requirements, continuing education obligations, and renewal processes for insurance producers.
Citation: Indiana Code 27-1-15.6
Gramm-Leach-Bliley Act (GLBA)
Summary: Establishes privacy rules for financial institutions, including requirements for protecting consumer data and disclosing privacy policies.
Citation: Public Law 106–102
Dodd-Frank Wall Street Reform and Consumer Protection Act
Summary: Overhauled financial regulation after the 2008 crisis, establishing the Consumer Financial Protection Bureau (CFPB) and enhancing oversight of financial products.
Citation: Public Law 111–203
SEC Investment Adviser Regulations
Summary: Sets fiduciary and disclosure requirements for investment advisers registered with the Securities and Exchange Commission.
Citation: Investment Advisers Act of 1940 (15 U.S.C. § 80b)
NAIC Model Laws & Regulations
Summary: The National Association of Insurance Commissioners develops model laws to promote uniformity among state insurance regulations, covering topics from product suitability to annuity disclosure.
Citation: NAIC Model Regulation 275 – Suitability in Annuity Transactions
Suitability in Annuity Transactions
Summary: Requires agents to gather client information to ensure annuity recommendations are suitable based on the consumer’s needs and objectives.
Citation: NAIC Model Regulation 275
Bank Secrecy Act (BSA)
Summary: Requires financial institutions, including certain insurance companies, to assist government agencies in detecting and preventing money laundering.
Citation: Public Law 91–508
USA PATRIOT Act – Section 352
Summary: Expands AML program requirements, including the need for written compliance programs and regular training.
Citation: Public Law 107–56
Use of This Resource
This page is intended as an educational reference and should not be considered legal advice. Regulations are subject to change, and you should always confirm current requirements directly with the governing agency or your compliance department.
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Governing Agencies
National Association of Insurance Commissioners (NAIC) – Model Laws & Regulations
State Departments of Insurance – Licensing, solvency, and consumer protection oversight.
Key U.S. Code & IRS Sections
26 U.S. Code § 101 – Proceeds from Life Insurance Contracts → Related Tool: Life Insurance Needs Calculator
26 U.S. Code § 7702 – Definition of Life Insurance Contract → Related Tool: Compare Term vs. Permanent Insurance
26 U.S. Code § 7702A – Modified Endowment Contracts (MEC Rules) → Related Tool: Life Insurance Proceeds Longevity Calculator
26 U.S. Code § 72 – Annuities, Life Insurance, and Endowment Contracts → Related Tool: Annuity Tax Advantage Calculator
Technical Standards
Risk-Based Capital (RBC) Requirements – Capital adequacy measures for insurers.
NAIC Life Insurance Illustration Model Regulation – Rules for presenting policy performance.
NAIC Suitability in Annuity Transactions Model Regulation (Model 275)
Governing Agencies
Securities and Exchange Commission (SEC) – Rules & Regulations
Financial Industry Regulatory Authority (FINRA) – Rules & Guidance
Commodity Futures Trading Commission (CFTC) – Regulations
Key U.S. Code & IRS Sections
26 U.S. Code § 1 – Federal Income Tax Rates → Related Tool: Federal Income Tax Calculator
26 U.S. Code § 1001 – Determination of Capital Gains and Losses → Related Tool: Capital Gains Tax Calculator
26 U.S. Code § 103 – Interest on State and Local Bonds (Tax-Exempt Yield) → Related Tool: Tax-Equivalent Yield Calculator
26 U.S. Code § 1271 – Treatment of Debt Instruments → Related Tool: Tax-Equivalent Yield Calculator
Technical Standards
SEC Regulation Best Interest (Reg BI) – Conduct standards for broker-dealers.
Investment Advisers Act of 1940 – Fiduciary duties for investment advisers.
Securities Act of 1933 – Disclosure requirements for securities offerings.
Securities Exchange Act of 1934 – Market regulation and anti-fraud provisions.
Dodd–Frank Wall Street Reform and Consumer Protection Act – Systemic risk oversight and financial stability rules.