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SEC Ruling INSURER INCENTIVES RESTRICTED As of January 1, 1999, insurance companies are banned from announcing new incentive contests based on the sale of variable products. The Securities and Exchange Commission decision that put this ban into place came on July 15, 1998, and yet even now, half a year later, many insurers have not grappled with its implications. Some are even conducting business as usual, operating in the substantial gray area created by the ruling's vague wording.

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