SEC ruling casts shadow of federal control over US insurance industry


Moves by the Securities and Exchange Commission (SEC) to regulate indexed annuities federally, instead of at state level, have met with fierce resistance at what is regarded as the first stage in bringing all insurance regulation under federal control.

Indexed annuities are effectively unit-linked policies with a guarantee that gives customers downside protection and the option of receiving a lump sum or annuity at maturity. Until now these have been classified as an insurance product and so

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