Insurers must incorporate into thei...

Insurers must incorporate into their operations several of the present day international, federal and state regulations dealing with privacy and security including the Gramm-Leach-Bliley Financial Services Modernization Act, the Health Insurance Portability and Accountability Act, the anti-money laundering USA PATRIOT Act; and state legislated optin/opt-out privacy mandates.

At the same time, insurers, along with the cessation of corporate America's chief executives, are increasingly being held accountable for their companies' activities, and its digest of ethics, as mandated from the investment community and the Sarbanes-Oxley Act.

These of recent origin rules make it difficult for insurers to determine their