At that time the insurance industry was split into compulsory insurance and voluntary insurance.
Voluntary insurance, even with reforms, would remain out of reach for tens of millions of middle-income people.
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Its investigation found premiums charged to homeowners for less protection, finding some two to 10 times more expensive than voluntary insurance policies.
Compulsory insurance included railway, steamship, and airport passenger accidental injury insurance, while voluntary insurance included employee group life insurance and simple life insurance.
Its investigation found higher premiums charged to homeowners for lesser protection, finding some were two to 10 times more expensive than voluntary insurance policies.
Other conference participants felt that even with these broad-based changes, voluntary private insurance would remain unattractive for many people.
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Before you sign any loan papers, ask the lender whether the loan includes any charges for voluntary credit insurance.
Insurance officials tell me privately that, even in the best case, perhaps 20 percent of Americans would buy voluntary LTC insurance.
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By the end of 2010, Compartamos had about 2 million policies and 800, 000 (about 40%) of the total are voluntary life insurance policies.
It may be possible to design a modest government-run voluntary long-term care insurance program that is financially viable.
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Thanks to technical budget rules, Congress can now kill the national, voluntary long-term care insurance program without adding to the deficit.
The measure, a piece of the 2010 health reform law, was supposed to create a new national, voluntary long-term care insurance system.
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Like most financing experts, David believes a universal program is probably the only way to solve the participation and adverse selection problems that plague voluntary long-term care insurance.
And it opposes the CLASS Act, another part of health care overhaul that sets up a voluntary, long-term care insurance program.
And in France, the federation of insurance companies (membership of which is voluntary) has declared a five-year moratorium on the use of such tests.
Anne Tumlinson of the consulting firm Avalere Health, Josh Wiener of RTI International and their co-authors found that mandatory insurance would be significantly less expensive than voluntary coverage.
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And if we do try again to adopt a national long-term care insurance system, should it be mandatory or voluntary?
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So while the EFSF scheme is designed to offer insurance to bondholders, the European leaders' insistence that the Greek writedown be voluntary will make euro-zone debt harder to insure.
The biggest problems: It is voluntary, and it attempts to combine a new benefit for working people with disabilities with a true insurance program for those looking to hedge against the risk of long-term care in old age.
According to a second finance ministry official, who also spoke on condition of anonymity because he's not authorized to speak about the negotiations, new laws may not be needed if negotiators opt for a "voluntary contribution" from Bank of Cyprus savings accounts above 100, 000 euros, which is the insurance limit.
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