Risk Assessment Services, Inc.

ACLI (The American Council of Life Insurers) is a trade association  representing 340 life insurance companies operating in the United States before federal and state legislators, regulators, and courts.

ACORD (Association for Cooperative Operations Research and Development) is a global, nonprofit insurance association whose mission is to facilitate the development and use of standards for the insurance, reinsurance and related financial services industries. In 2000, ACORD set up a task force that included the national examination companies and many of the top insurance carriers to explore the feasibility of universal application and exam forms.  In 2002, the prototypes were developed and subsequently filed with the states.  Today, the forms are approved by the Commissioners of Insurance in all 50 states.  

AHOU (The Association of Home Office Underwriters) is an international insurance and financial services association with more than 1,400 individual members. The association was founded in 2002 when the Home Office Life Underwriters Association (HOLUA) and Institute of Homes Office Underwriters (IHOU) merged to provide a more effective means to communicate and exchange underwriting information.  

IAOP (The International Association of Outsourcing Professionals) has more than 100,000 members and affiliates worldwide, and is leading the effort to transform the world of business through outsourcing. Client-side members are, on average, responsible for $60 million per year of outsourcing spending with some overseeing outsourcing programs in the billions of dollars. 

LIDMA (Life Insurance Direct Marketing Association) LIDMA's mission is to help direct marketers enhance profitability by identifying, developing and implementing solutions with carriers, vendors, consumers, regulators and each other.  The direct response arena represents one of the fastest growing distribution channels of life insurance sales.  

LOMA (Life Office Management Association, Inc.) is one of the oldest and most respected associations in the industry, through which more than 1,200 insurance and financial services companies from over 80 countries engage in research and educational activities.   

MIB LIFE INDEX is the definitive measure of life insurance application activity in the U.S. and Canada. As most individually underwritten life policies include a MIB inquiry, this index provides a reliable source for tracking new application activity and trends.  

NAIFA (National Association of Insurance and Financial Advisors) has a nationwide membership of over 70,000, providing creative sales and marketing ideas, networking opportunities, sales and skills training, and legislative representation.  NAIFA has over 900 state and local associations.   

NAILBA (National Association of Independent Life Brokerage Agencies) is the primary organization representing independent brokerage agencies.  The member agencies must represent at least three insurance carriers in the distribution of life, health insurance and related financial services and cannot be owned or controlled by an insurance carrier.  This very influential group was instrumental in initiating the ACORD standards for life insurance applications.  

RIMS (The Risk and Insurance Management Society) is the leading association for risk management professionals. Our members look to us to provide educational opportunities as well as a forum for creative and progressive risk management ideas. Founded in 1950, RIMS represents more than 3,600 industrial, service, nonprofit, charitable and governmental entities. The Society serves more than 10,000 risk management professionals around the world.

RAS has identified the following links as useful industry resources whose websites provide valuable and informative insights. The listings are not meant to imply that the owners of these sites endorse RAS in any way nor does RAS receive any incentive, monetary or otherwise, to list their sites.