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The options for securities that insurance entities own and can deliver if the options are
exercised by the option buyers are called:
Insurance entities usually write covered-call options because they consider the premium
received for writing the options to be either:
an economic hedge between a decline in market price and security
a decrease in yield on the underlying risk security
Both A & B
Neither A nor B
What encompasses investment income and gains and losses, as well as custody of investment and recordkeeping?
The evaluation and subsequent purchase or sale of investments is based on the judgment of the entity’s investment and finance committees.
The price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date is called:
is the price in a hypothetical transaction at the measurement date in the market in which the reporting entity would transact for the asset or liability
Feasible financial price
The market in which the reporting entity would sell the asset or transfer the liability with the greatest volume and level of activity for the asset or liability is known as:
The highest and best use of the asset is , if the asset would provide maximum value to market participants principally on the standalone basis.
The risk that the obligation will not be fulfilled and affects the value at which the liability is transferred is known as:
Valuation technique should be used to measure fair value and is consistent with:
market, income and risk approach
market, performance and cost approach
security, income and risk approach
market, income and cost approach
What uses valuation techniques to convert future amounts to a single present amount?
The amount that currently would be required to replace the service capacity of an asset is called:
A change in _ or its application is appropriate if the change results in a measurement that is equally or more representative of fair value in the circumstances.
To avoid double counting or omitting the effects of risks factors what should reflect assumptions that are consistent with those inherent in the cash flows?
What technique uses a risk-adjusted discount rate and contractual, promised, or most likely cash flows?
Discount rate adjustment
Fair quoted techniques used to measure fair value should maximize the use of observable inputs and minimize the use of unobservable inputs.
What is made on an instrument-by-instrument basis, generally when an instrument is initially recognized in the financial statements?
Financial AFE Exam (Accredited Financial Examiner (AFE)) Detailed Information
SOFE offers three professional designations, which may be earned by completing extensive requirements including the successful completion of a series of examinations administered by the Society. The designations are Accredited Financial Examiner, Certified Financial Examiner, and Automated Examination Specialist.
Accredited Financial Examiner
Accredited Financial Examiner — Financial/Rating Analyst
Certified Financial Examiner
Certified Financial Examiner — Financial/Rating Analyst
Automated Examination Specialist
CRE Reporting is Now Online: See CRE Reporting guide (PDF)
SOFE's Continuing Education Program has been established to enhance your professional standing and assist you to remain qualified as an AFE, CFE or AES. Efforts by you to comply with the requirements of the program will be fully supported by SOFE officers and state chairs through their assistance and positive reinforcement of the program on both a state and national level.
By continuing their professional education, members of the Society of Financial Examiners (SOFE) can better fulfill their obligation to competently serve the public interest. Accordingly, SOFE maintains the following continuing education program in order to assist its members in remaining current with the technical advancements and fundamental changes occurring in the operations and management of the companies they regulate.
CRE Credit Requirements
After a member earns either the Accredited Financial Examiner (AFE) or the Automated Examination Specialist (AES) designation awarded by SOFE, they must begin to earn Continuing Regulatory Education (CRE) credits effective the first day of the month following the month in which they receive the designation. If the member goes on to earn the Certified Financial Examiner (CFE) designation, the reporting requirements do not change.
Credits must be earned in SOFE-defined three-year periods. The three-year periods are the same for all designees; therefore, when an individual earns a designation, required credits must be prorated for the first three-year period as explained in the CRE reporting section below.
Three-year reporting periods Three-year reporting deadlines
January 1, 2011 to December 31, 2013 January 31, 2014
January 1, 2014 to December 31, 2016 January 31, 2017
January 1, 2017 to December 31, 2019 January 31, 2020
AFE/CFE Requirements—Members holding the AFE or CFE designation must earn a minimum of 20 CRE credits each year with a total of 120 CRE credits over each defined three-year period. Beginning in 2015, two (2) credits annually of the currently required CRE credits for the AFE CFE and AES designations must be in ethics.
AES Requirements—CRE requirements for members holding the AES designation were revised in 2012. The new requirements are being phased in during the 2013 reporting period which results in the following proration of requirements:
For 2011 and 2012, an AES must earn a minimum of 6 CRE credits per year with a total of 24 credits earned over the two-year period.
For 2013 (the phase in period), an AES must earn a minimum of 40 CRE credits; 30 of which must be IT related* and 10 of which must be financial examination related.
For the 2014-2016 three year reporting period an AES is required to earn 120 CRE credits, 90 of which must be IT related, 26 of which must be financial examination related, and 4 of which must be in ethics. The required minimum of at least 20 CRE credits earned in any one year must be earned as follows:
For 2014, Twelve (12) credits of the 20 minimum credits earned must be IT related and 8 must be financial examination related.
Beginning in 2015, twelve ( 12 )of the 20 CRE credits minimum must be IT related, 6 must be financial examination related, and 2 must be in ethics.
*An IT related course is defined as a course which contributes to the advancement of the AES's knowledge in the performance of IT examination tasks.
Prorating Required Hours (New Designees) — Individuals initially receiving their AFE, CFE or AES designation need only attain CRE credit from the first day of the month following the date they received their designation until the end of the current reporting period. For example, an examiner becoming an AFE in April 2012 would be required to have a minimum of 66.5 CRE credits by December 31, 2013 (20/36 months = 55 % x 120 hours = 66.5 hours) in order to meet the CRE requirement. Proration of the 20 CRE minimum annual requirement also occurs in the year the designation is earned. If there are any questions regarding prorating hours, please contact SOFE for further guidance. See the sample proration guide.
Carry Forward of Excess CRE Credits — The program provides that up to 40 hours of excess credits earned during a reporting period may be carried forward to the following three-year reporting period for all designees. The hours carried forward may not be used to meet annual required minimums.
Active Duty Members — CRE requirements for members with designations who have been called to active duty are waived. A request for this waiver with supporting documentation must be filed with SOFE.
Recommended Programs and Credits
It is the responsibility of the Member to ensure appropriate CRE courses are taken and complete records are maintained. Programs and courses for continuing education shall be directly related to the management, operation, or regulation of insurance companies or related to the financial reporting of the operations thereof and have a direct correlation to the discipline in which an examiner has earned a professional designation.
The National Association of State Boards of Accountancy NASBA (www.nasba.org) maintains a National Registry of approved CPE sponsors, many which provide acceptable CRE courses. In addition, a list of previously approved CRE Providers is available on the SOFE website.
Credit Calculation — One hour of attendance and participation will equal one hour of CRE credit. Hours will not be given for introductory remarks, breaks, business meetings (e.g., elections, approval of minutes, financial statements, etc.), meals, or speakers of a general, non-financial or non-insurance nature. Seminars, classes and sessions must meet at least 50 minutes in order to receive one hour of credit. Half hours will be granted if the session exceeds 25 minutes after the hour.
Continuing Education Activities Typically Accepted By SOFE:
Attendance at a meeting of a state chapter of the Society or by a regulatory agency with an organized educational program, designed to provide knowledge beneficial to the examiner in conducting his/her job duties. State chairs or agencies are expected to maintain records of attendance including the exact number of instructional hours.
Attendance at a seminar organized by a state chapter of the Society or by a regulatory agency, where videotapes from educational seminars sponsored by the Society are viewed and, followed by at least a thirty (30) minute discussion period for each subject.
Serving as a speaker or course instructor at an approved educational program. Speaker and course instructor credit hours will be determined by doubling participation credit hours. Credit is only allowed for the topic once per year.
Attendance at educational sessions offered during the annual Career Development Seminar (CDS) of the Society. Credit will be given for the time in actual attendance of a CDS session; partial credit will be allowed only if a participant has remained in attendance of any given session for at least 25 minutes. Certificates with CRE hours awarded are issued following CDS.
Authorship of a technical article which is published in the Society's EXAMINER magazine (6 CREs per article; 10 CREs for the article receiving "Editor's Choice Award").
Attendance at seminars sponsored by the Society.
45 CREs are given for the successful completion of a CFE exam.
Two CRE credits may be earned for the successful completion of any one quarterly EXAMINER CRE Reading Program Test on the SOFE website. NOTE= SOFE's CRE Reading Quiz credits are recognized by SOFE, but not by NASBA.
Sources for ethics education requirement: In addition to ethics credits offered to those attending the SOFE CDS, one credit can be earned by viewing and passing the test on the SOFE Code of Ethical Conduct recorded presentation that appears in the Member only area of the website. Other sources include Western CPE self-study ethics courses which are state specific courses for several states requiring that, as well as a course for those in other states. The Association of Certified Fraud Examiners has online self study courses such as this one, among several others listed under 'Ethics ' at their self study page. AICPA also offers an online course in ethics. To do a quick check if a sponsor is NASBA approved, look up the course sponsor's name and their approved course delivery format at this link. A partial list of ethics courses offered by NASBA sponsors can also be found that link. See section under "Course Approval " below for further information on CRE credit sources.
Other Programs and Credits=The following provides information and guidance on CRE allowances for other programs:
45 CRE's are given for the successful completion of self-study courses given by nationally recognized organizations. The organization must be approved by SOFE or recognized by NASBA.
15 CRE's for each semester college credit and 10 CRE's for each quarter college credit will be awarded upon successful completion.
No CRE will be allowed for NAIC committee work effective January 1, 2013. No CRE has been allowed for committee work of any other organization prior to that effective date. To see NAIC's online courses, go to this link.
It is the responsibility of the member to determine if an individual course or seminar meets the requirements for CRE recognition by SOFE. If a course is taken from an unapproved organization, the member risks not receiving approval or full credit. The member is responsible to maintain evidence that an individual course or seminar meets SOFE requirements. Such information should be presented to SOFE upon audit or as requested.
Members may request approval of a provider not listed by NASBA by completing and submitting a CRE Provider Approval form. These forms are reviewed and approved by the Continuing Education Committee. The organization is to be one that is readily recognized as one that sponsors training to meet the course requirements for SOFE CRE. A list of such previously approved organizations is linked on the SOFE member web page.
If you have any questions or need additional information, contact SOFE headquarters at the "Contact Us" link below for assistance. Issues that cannot be readily answered are referred to the Vice President of Continuing Education for review and response.
CRE Reporting, Recordkeeping and Audits
CRE Reporting Due Date — It CRE credit hours must be reported online annually no later than January 31 (11:59 PM EST) of the following year as evidenced by the dispatch date of the submission. However, is recommended CRE be reported as it is earned throughout the year in which the credits are earned. CRE credits are to be reported online CRE reporting is accomplished in the Current Year CRE Detail area of each Member's Profile in the Member- Only area of the SOFE website. See instructions here.
Requests for Extension — Use of extensions should be minimal. Members are expected to obtain and report their CRE credits timely. Members who have failed to obtain the required minimum annual or three-year CRE credits must submit to the SOFE Continuing Education Committee for review and approval a written explanation of why their report was not timely or why their minimum requirement was not met and their proposed plan to meet the requirement(s). This request must be received by SOFE before January 31 along with a $50 extension fee. If the extension is granted, the CRE report must be received by SOFE by March 31 as evidenced by the dispatch date of the submission. All extended filings will be audited.
Late Reports — If a Member files a late (after January 31,11:59 PM EST) CRE report to SOFE, the Member will be charged a $75 administrative charge for the processing of the late filing. All late reports will be audited. Any member who does not submit their CRE report by March 31 will lose their designation unless waived for good cause by the Executive Committee. The member may be eligible for reinstatement by following SOFE's reinstatement process, which also entails payment of a $100 reinstatement fee. See "Reinstatement," below.
Record Keeping and CRE Audits — CRE reporting is accomplished in the Current Year CRE Detail area accessed via the member's Profile link in the Member Only area of this website. It is recommended that CRE credit be reported as it is earned throughout the year. NASBA should be selected as the provider for any course provided by NASBA organizations with the appropriate NASBA number entered in the applicable area for reference purposes. This site also includes the names of previously recognized CRE providers not currently listed by NASBA. Members are allowed to obtain CRE credit from other sources, but it is up to the member to ensure the course meets SOFE guidelines and requirements and to submit an application for the source to become an approved provider. Instructions for input are maintained on the website as well.
CRE reports are audited annually per SOFE's CRE Audit Procedures. In preparing for the annual CRE audit, it is suggested that members prepare a professional file containing all documents, course material and certificates of completion for ready reference. These will be required to be submitted to SOFE in a timely manner if a member is selected for CRE audit. CRE records should be maintained for a period of seven years at a minimum. The designation of a member who fails to pass the CRE audit is subject to suspension.
Requirements for Obtaining the AFE Designation
There are five requirements for obtaining the AFE designation. They are:
To qualify for the AFE designation, you must have:
ONE of the following, from an accredited college or university:
A bachelor's degree in accounting,
A master's of science (MS) in accounting*, or
An M.B.A. in accounting*.
* (Either master's degree will qualify you, regardless of the field of your undergraduate degree.)
You must provide evidence of your degree, such as a certificate of graduation or college transcripts.
a bachelor's degree in another field of study from an accredited college or university. However, if you do not have an accounting degree, you must prove that you have successfully completed ALL of the following courses (you must provide a copy of the college transcripts to verify these courses):
Accounting Fundamentals (6 semester hours)
Intermediate Accounting (6 semester hours)
General Auditing (3 semester hours)
Business Law (6 semester hours)
Three (3) semester hours of Business Law, acquired through the successful completion of the college level law courses offered by LOMA, CPCU, or CLU, may be substituted for the three (3) of the six (6) required semester hours (you must provide documentation from LOMA, CPCU, or CLU to verify this course).
To qualify for the AFE designation, you must successfully complete the four AFE examinations administered by the Society of Financial Examiners. The four AFE exams are:
AFE1 Life and Health Insurance Fundamentals
AFE2 Property and Liability Insurance Fundamentals
AFE3 Life and Health Insurance Accounting
AFE4 Property and Liability Insurance Accounting
Conditional Credit Policy - Effective January 1, 2012, a candidate for the AFE designation will be subject to the conditional credit policy as stated below:
The passing grade for each of the tests of the AFE is 60 prior to July 1, 2014; thereafter it is 70. A candidate who passes any test of the AFE will earn conditional credit for that test. This conditional credit expires 36 months after the testing date. If a candidate does not successfully pass the remaining tests within the 36 months, the test associated with the conditional credit must be retaken.
An application reflecting fulfillment of all requirements for a designation must be submitted within thirty-eight months following the month in which the applicant passed his/her first exam for that designation track.
Work-related experience requirements
To qualify for the AFE designation, you must be an insurance department employee, or self-employed with a contract for services directly with an insurance department, or be employed with a company that has a contract with a state insurance department and have two (2) years of continuous, responsible insurance department examination experience as a financial examiner.
To qualify for the AFE designation, you must be a General Member in good standing in the Society of Financial Examiners.
AFE exam :: Article by ArticleForge5 Resolutions to maintain Your Eyes suit in 2017
(StatePoint) the brand new year is the excellent chance for reflection, renewal and the opportunity to beginning clean. trust making subculture adjustments that can enhance your imaginative and prescient and health throughout the yr.
listed below are five ways so that you can aid maintain your eyes and physique fit in 2017.
1. Get a watch exam. An annual travel to the eye medical professional is critical for the total family unit to make sure in shape and sharp imaginative and prescient. but do you know your visit to the optometrist is important to your average health too? A movements eye exam can probably notice signs of continual ailments like diabetes, excessive ldl cholesterol, and more. as a result of many indicators of fitness circumstances commonly don’t seem except damage has befell, eye exams are an impressive, preventative fitness device to preserve tabs on what’s happening to your body.
a watch examination is a small investment on your eyes and physique that’s well price it, and a vision plan can aid you keep the can charge down. To search for a vision plan, talk over with vspdirect.com.
2. eat a watch-healthy diet. You probably know carrots are first rate for your eyes, however so are dark leafy vegetables such as spinach, kale and collard greens. consume a eating regimen wealthy in fruits and vegetables for a hefty punch of key nutrients, and a imaginative and prescient conserving-substance referred to as lutein.
three. quit smoking (or never delivery). Smoking cigarettes has many customary linked fitness risks, comparable to cardiovascular problems and cancer. Did you additionally recognize that smoking can make contributions to the reason behind many vision issues? research hyperlinks smoking to an improved chance of setting up age-connected macular degeneration, cataracts and optic nerve harm, all of that can result in blindness.
4. maintain a in shape weight. Weight is a contributing factor for your typical health as well as your eyes. situations comparable to weight problems and diabetes can cause imaginative and prescient complications, like cataracts. via eating healthy portions and exercising constantly, which you can reduce your possibility.
5. give protection to eyes from blue gentle. lots of our days are spent with our faces glued to contraptions like smartphones, computers and televisions. those digital screens emit excessive-energy blue gentle, which motives digital eye strain that ends up in headaches, blurred imaginative and prescient, dry eyes, and even neck ache.
Ask your eye doctor concerning the surest alternate options to aid you in the reduction of eye pressure, including using lenses with coatings that mirror and absorb blue light. which you can additionally observe the 20-20-20 rule: each 20 minutes, spend 20 seconds looking at anything at least 20 ft away.
With a balanced approach to preventative care, you could support preserve your eyes and body match right through 2017 and beyond.
exam Preparaton What to bring into the fnal examinaTon: 1. Non-programmable calculator – bring a spare simply in case 2. pupil id card 3. Pens, pencils, erasers, whiteout ±he invigilators wouldn't have any spare items For make sure you you neglect to bring something or your calculator ba²eries run out. Come prepared!!
Plan Your Time • Plan your tme firstly before you delivery answering The questons – AllocaTe your tme • Work efcienTly and stck To tme limiTs – E.g. don’T wriTe Two pages and Take 25 minuTes on a 5 mark concept queston. PLAN YOUR TIME cautiously!
the way to approach QuesTons Spend less tme on The questons if you wish to depart more tme for checking at the end. Sometmes it's be±er To birth a brand new queston as opposed to live bogged down in a queston you are having diFculTy wiTh. delivery wiTh a queston you consider con²denT abouT – it's going to provide you with a psychological increase! Don’T always delivery wiTh Queston 1 and work via To Queston 5!
closing assistance • DONT count on learning new material on the ultimate evening earlier than the examination • Arrive with Tme to spare (take account of viable bad traFc and parking diFculTes) • Get an early nighttime, the nighttime before the examination • devour an outstanding breakfast and lunch before you come to the examination (your mind will work be±er!) • maintain a cool head and don’t panic in case you believe that you can’t do a quesTon – Do another quesTon that you could do and go returned to the different quesTon later • be aware – Calculator, scholar identity, and pens/pencils, and so on
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Lawsuit filed by girl police officer continues in courtroom
RANDOLPH TWP. - Police officer Melissa Bailey has made allegations that she changed into passed over for a promoting because of her gender as her lawsuit against individuals of the police branch and township officers persisted within the advanced court docket in Morristown on Tuesday, Nov. 29.
in response to Bailey, she changed into passed over for a promotion to sergeant twice and accused retired Randolph Police Chief Robert Mason of being sexist and viewing feminine law enforcement officials as inferior to their male colleagues.
The lawsuit, filed in 2012, nams Randolph Township, the police branch, former Chief Robert Mason, existing Chief David Stokoe, Lts. William Harzula and Christopher Giuliani and retired township Administrator John Lovell as defendants.
in advance of submitting the lawsuit, despite the fact, Bailey reportedly had no longer made a formal complaint concerning the alleged discrimination.
Her testimony in courtroom has blanketed allegations of sexist comments from Mason apart from her declare that she turned into passed up on a promotion to sergeant as a result of she is a girl.
Bailey is in quest of damages for violations of the state’s law against Discrimination and compensation for the larger pay she would have earned as a sergeant.
Bailey changed into passed over twice for a merchandising to sergeant, first in 2010 and then in 2011. She has been a member of the Randolph Township Police department when you consider that 2000.
Eric Harrison, the legal professional representing Randolph Township, pronounced that Bailey scored lessen on her sergeant’s exams than the male officers who had been promoted.
Bailey accused that Mason allegedly altered her own attendance and disciplinary facts so that she would acquire a lower rating on her sergeant’s assessments.
In her testimony, she additionally said that she met privately to discuss her exam effects with Mason in 2010 and that he allegedly advised her that she turned into now not respected by means of male police officers within the township.
In 2011, Bailey mentioned her effects on the sergeant’s exam with Mason again and recorded audio of the assembly with out the former chief’s abilities in violation of the branch’s guidelines towards surreptitious taping and accepted a cut of 36 hours of pay as a final result.
She testified that she recorded the conversation as a result of she did not have confidence Mason.
Bailey is certainly one of two female law enforcement officials within the Randolph Police force, is a mom to three children and is married to a Maplewood Police officer.
The case is being presented in entrance of a jury of five women and three guys and opened on Monday, Oct. 24.
Afe Babalola school disaster : Struggling students protest now not being allowed in exam hall
Some students of Afe Babalola school, Ado-Ekiti, who were scuffling with their teachers and for this reason banned form exam corridor, have staged a violent protest on Sunday, February 7.
Chairman of the Planning and Implementation Committee of Afe Babalola institution, Professor Isaac Orubuloye defined the reasons behind the protest.
“The law of the institution is that in case you don’t attend classes ninety% of the length, you will not be allowed to write down exams. if you don’t register for examination, you will not be allowed to put in writing checks.
“we've determined this time round to put into effect these guidelines to the letter. So, all college students that ran afoul of these two provisions had been denied from coming into the examination and that i suppose that is one of the faraway motives of what has happened.
study AFE: Union stage protest over school funding
“rather a couple of them couldn’t write checks and there is no means they may clarify to their parents that they had been in school and they didn't write examination.”
He also condemned the violent turn of activities. He spoke of that the protest changed into out of line as property price hundreds of thousands of naira have been destroyed through the protesters.
“They went beyond standard protest. When people all started to loot within the retail outlets, then that turns into against the law – a major crime.
“They looted some stores, damaged some motors and those issues have nothing to do with their protest,” he talked about.
He, however, guaranteed all folks and stakeholders to be calm as the circumstance was beneath handle and calm has considering the fact that returned to the institution.
usual Checkups Can keep Your imaginative and prescient!
A recent Harris ballot commissioned with the aid of the American Academy of Ophthalmology (AAO) found that despite the fact 64 percent of respondents said having one or extra vision complications, simplest 13 % had an eye examination.
The poll respondents mentioned blurry or double vision, issue seeing at night, issues read AFEing, seeing flashes of mild and red, watery eyes – all feasible indications of illnesses that may lead to imaginative and prescient loss or blindness.
we are all susceptible to improve eye complications as we age. symptoms frequently seem gradually, and at the start can also not seem serious sufficient to see a doctor. general eye checkups, particularly after age forty, are vital in order to detect issues of their earliest ranges when treatment is most a hit.
commonplace age-related eye diseases corresponding to cataracts, macular degeneration, glaucoma and diabetic retinopathy will also be detected with an eye fixed examination. The AAO recommends movements eye assessments each to two years after age 50 however no issues exist.
Your ophthalmologist will use dilating eye drops to widen your scholars in an effort to see the internal of your eyes. These usually take 20 to half-hour to take impact, so predict to be within the office for as a minimum one hour.
Dilated eyes are more sensitive to daylight and received’t be in a position to focus as neatly for several hours. be sure to carry your sun shades. Many individuals choose to have a pal or loved one power them domestic. you probably have questions concerning the method, be sure to ask your ophthalmologist.
Stephen H. Uretsky, MD of the Coastal Jersey Eye middle is a leading board-licensed ophthalmologist specializing in finished eye care. The Coastal Jersey Eye middle has offices in Linwood and Cape may additionally court condo. To make an appointment, call (609) 927-3373 for Linwood or (609) 465-7926 for Cape may also court apartment, or discuss with CoastalJerseyEye.com.