Self-Serve tier

Render an IRS §831(b) micro-captive analysis for a closely-held business considering or operating an §831(b) captive insurance company. Walks the §831(b) election, the $2.85M+ premium cap (annually inflation-adjusted), risk shifting + risk distribution requirements, IRS Notice 20

Render a fixed-annuity / fixed-indexed annuity (FIA) crediting rate, surrender, free-withdrawal, and distribution analysis. Walks IRC §72 (annuity taxation), §72(q) early-distribution penalty (10% with §72(q)(2) exceptions: SEPP / 59½ / disability / death), 1035 exchange treatmen

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), 40

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 + denominat

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 illu

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,

Render an NAIC Model #275 Suitability in Annuity Transactions Model Regulation (2020 Best Interest amendments) compliance / Enforcement analysis for an annuity producer or insurer. Walks the four obligations (Care, Disclosure, Conflict of Interest, Documentation), the producer's

Render a Patient Protection and Affordable Care Act (PPACA / ACA) Essential Health Benefits (EHB) + cost-sharing reduction (CSR) compliance analysis for a non-grandfathered individual or small group health plan. Walks the 10 EHB categories under PHSA §2707 + §1302, state benchmar

Render a property-casualty rate filing analysis under state-specific rate-filing regimes (prior approval, file-and-use, use-and-file, no-file, flex-rating). Walks NAIC Model Property and Casualty Rate Filing law (#440), state variations across the 50 states, actuarial filing stan

Render a surplus-lines (non-admitted insurance) compliance analysis for a surplus-lines broker, surplus-lines insurer, or insured procuring excess + surplus lines coverage. Walks the NAIC Non-Admitted Insurance Multi-State Agreement (NIMA) / Surplus Lines Insurance Multistate Com

Render a state-by-state Unfair Claims Settlement Practices Act (UCSPA) + bad-faith analysis for an insurer or policyholder. Walks NAIC Model #900 16 prohibited acts, state-by-state private right of action availability (some states private, some only DOI), bad-faith damages (extra

Render a workers' compensation experience modification (mod / EMR) analysis for an employer or the carrier rating the employer. Walks the NCCI ERM-14 reporting, mod calculation (actual vs expected losses; primary + excess split; ballast + weighting; D-ratio), unit statistical rep

Recover attorney fees as compensatory damages in bad-faith litigation under the Brandt rule — fees attributable to obtaining policy benefits (not the bad-faith tort itself) are damages caused by the insurer's tortious conduct. Map state-by-state adoption, lodestar mechanics, and

Walk the Comunale (1958) and Crisci (1967) California foundational doctrine that established the implied covenant of good faith and fair dealing as a tort-actionable insurance duty, with emotional-distress damages. The doctrinal source code that most state courts adapted into the

Determine whether the insured is entitled to independent (Cumis) counsel at the insurer's expense due to a coverage-defense conflict of interest under reservation of rights. Map the Cumis trigger, fee structure, control allocation, and state-by-state divergence (Cumis statute CA

Distinguish equitable subrogation among insurers (primary / excess / co-primary contribution) from bad-faith defense-cost recovery. Map Ranger / Continental Casualty / Reliance / RLI / Fortman doctrines. Drives whether excess insurer can pursue primary for failure to settle withi

Recover or defend extracontractual damages in bad-faith litigation — emotional distress (Crisci-line), foreseeable consequential (Bi-Economy / Birth Center), economic ripple harms (lost business, credit damage, foreclosure), and parasitic damages. Map state-by-state availability

Draft or audit a policy-limit time-limited demand (Stowers-style) that triggers insurer's duty to settle within limits or face excess-judgment exposure. Validate Garcia four-element conformity, deadline reasonableness, release scope, medical-record sufficiency, and post-deadline

Compute punitive-damages ceiling under federal due-process limits — State Farm v. Campbell single-digit ratio, BMW v. Gore three guideposts (reprehensibility / ratio / civil penalty comparison), Cooper Industries de novo review, and state statutory caps. Required filter on every

Draft, audit, or rebut an insurer reservation of rights / non-waiver letter. Validate timeliness, specificity, exclusion-by-exclusion identification, defense-cost reservation, Cumis-trigger disclosure, and estoppel preservation. The hinge document that controls coverage litigatio

Plead a prima facie bad-faith claim that survives 12(b)(6) / demurrer in the situs state. Walk Egan, Gruenberg, Anderson, Pickett, Universe Life, Beck element variants — covenant existence, breach, knowledge, causation, damages — and translate into Twombly-Iqbal-compliant complai

Diagnose whether the situs state recognizes insurer bad faith in tort (Comunale/Crisci lineage), contract-only (covenant-of-good-faith breach), or hybrid; controls damages ceiling, punitive availability, statute of limitations, and pleading caption. The structural fork that decid

Map state-by-state Unfair Claims Settlement Practices Act (UCSPA) variants of NAIC Model #900, identifying private right of action, prohibited acts, cure-period prerequisites, and statutory penalty multipliers. Drives whether the bad-faith case rides UCSPA, common-law, or both.

Build or defend a Stowers-doctrine third-party bad-faith claim — insurer's failure to settle within policy limits exposing it to excess-judgment liability. Validate the four-element Stowers demand (within limits, unconditional, full release, ordinarily-prudent-insurer test) and l