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		<title>NAIC Consumer Alerts</title>
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		<description>Consumer Alerts</description>
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			<title><![CDATA[Early Retirement Health Insurance Options: Bridging a Coverage Gap Between Retirement and Medicare]]></title>
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			<title><![CDATA[A Workers' Most Valuable Asset: Protecting Your Financial Future with Disability Insurance]]></title>
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			<title><![CDATA[Comparing Online Auto Insurance Quotes: Savvy Shopping Can Save Time and Money]]></title>
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			<title><![CDATA[Hurricane Preparation: Act Now to Make Filing A Claim Easier After the Storm]]></title>
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			<title><![CDATA["Declarations" of Savings: A Review of Your Auto Coverage Could Save You Money]]></title>
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			<title><![CDATA[Don't Be A Crash Test Dummy: A Checklist to Keep You On Course After an Accident]]></title>
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			<title><![CDATA[What to Expect When Your Home is Damaged in a Disaster]]></title>
			<link><![CDATA[http://www.naic.org/documents/consumer_alert_what_to_expect_disaster_damaged_home.htm]]></link>
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			<title><![CDATA[Basic Home Insurance Does Not Cover Flood Damage]]></title>
			<link><![CDATA[http://www.naic.org/documents/consumer_alert_basic_home_ins_doesnt_cover_flood.htm]]></link>
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			<title><![CDATA[Leaving Home: Insurance Considerations for a Move]]></title>
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			<title><![CDATA[Your Annual Insurance Check-Up:  Five Questions to Ask Your Agent About the Insurance on Your Home]]></title>
			<link><![CDATA[http://www.naic.org/documents/consumer_alert_home_insurance_checkup.htm]]></link>
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			<title><![CDATA[Don't Get Frozen Out By Your Insurance Company: Review Your Policies Before You Brave the Cold]]></title>
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			<title><![CDATA[Annual Medicare Enrollment: Dates and Benefit Changes Seniors Should Know]]></title>
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			<title><![CDATA[Choosing an Insurance Agent: Company and Coverages Aren't the Only Things to Evaluate When Selecting an Insurance Agent]]></title>
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			<title><![CDATA[Additional Health Care Reform Provisions Kick in: Changes Take Effect on Policies Renewing After Sept. 23, 2010]]></title>
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			<title><![CDATA[
Retained Asset Accounts and Life Insurance: What Consumers Need to Know About Life Insurance Benefit Payment Options]]></title>
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		<item type="other summer ">
			<title><![CDATA[Pet Insurance:  Tips for Picking the Best Insurance to Protect Your Pet]]></title>
			<link><![CDATA[http://www.naic.org/documents/consumer_alert_pet_insurance.htm]]></link>
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		<item type="auto home ">
			<title><![CDATA[Disaster Planning for Small Businesses: Review and Update Your Business Insurance in Case Disaster Strikes]]></title>
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			<title><![CDATA[Earth Day and Insurance: Going Green May Help You Save Premium Green]]></title>
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			<title><![CDATA[Scammers Take Advantage of Health Reform: State Insurance Regulators Warn All Americans To Be On Alert]]></title>
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			<title><![CDATA[Travel Insurance:  Offers of "Protection" May Not Provide Insurance Coverage for Your Travel Investment]]></title>
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			<title><![CDATA[Combining Your Insurance: Just Got Engaged? What You Need to Consider When Combining Your Insurance Coverages]]></title>
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			<title><![CDATA[Limited Benefit Plans, High Deductible Plans and Health Savings Plans: Contemplating Options When Comprehensive Health Insurance Isn't Available to You]]></title>
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			<title><![CDATA[Holiday Mishaps: The Time to Get Smart About Accident Forgiveness is Before Hitting the Road for the Holidays]]></title>
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			<title><![CDATA[Flood Insurance: Floods Can Happen Anywhere, Anytime; Evaluate Your Need for Flood Insurance Now]]></title>
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			<title><![CDATA[Event Insurance: Insure a Picture-Perfect Event]]></title>
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			<title><![CDATA[Medicare Prescription Drug Coverage Annual Enrollment: Changes Force Some Seniors to Choose New Policies]]></title>
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			<title><![CDATA[Getting Prepared for Flu Season: What You Should Know About Your Insurance Coverage and the H1N1 Influenza Outbreak]]></title>
			<link><![CDATA[http://www.naic.org/documents/consumer_alert_h1n1.htm]]></link>
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			<title><![CDATA[Life Insurance: Life Insurance Awareness Month is the Perfect Time to Get Your Insurance Rates in Shape]]></title>
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			<title><![CDATA[Health Insurance Options for Domestic Partnerships: As States' Laws Over Domestic Partnerships Continue to Change, Affected Consumers Need to Get Smart on Coverage]]></title>
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			<title><![CDATA[Baby on Board Changes Insurance Needs: New Parents Need To Get Smart on Coverage Options]]></title>
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			<title><![CDATA[Property Insurance: Protecting Your Summer Investment]]></title>
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			<title><![CDATA[Disaster Preparedness: A Smart Disaster Preparedness Plan Includes Insurance Protection]]></title>
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			<title><![CDATA[Influenza A (H1N1) Outbreak: What You Should Know About Your Insurance Coverage ]]></title>
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			<title><![CDATA[Going Green for Homeowners: What insurance questions should you ask?]]></title>
			<link><![CDATA[http://www.naic.org/documents/consumer_alert_earth_day.htm]]></link>
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			<title><![CDATA[Insurance Safety Net: Protect Your Economic Security Through Careful Insurance Planning]]></title>
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			<title><![CDATA[Spring Break Travel: Protect Your Child, Even If They're Not With You]]></title>
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		<item type="fraud home">
			<title><![CDATA[Homeowners and Renters Insurance: Whether Something Old or Something New, Jewelry Needs Protection, Too]]></title>
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			<title><![CDATA[Holiday Mishaps: Review Your Insurance Coverage to Make Sure You're Covered During the Holidays]]></title>
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			<title><![CDATA[From Homeowner to Renter: What You Need to Know About Renter's Insurance]]></title>
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			<title><![CDATA[Credit Insurance: Safety Net or No Net Gain? ]]></title>
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			<title><![CDATA[Medicare Prescription Drug Coverage: Open Enrollment a Good Time to Review Your Coverage ]]></title>
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			<title><![CDATA[Health Insurance Open Enrollment: Choosing the Best Option for You and Your Family ]]></title>
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		<item type="life other ">
			<title><![CDATA[Think Twice About Replacing Annuities: Consumers Cautioned About Being Pressured to Cancel AIG Policies]]></title>
			<link><![CDATA[http://www.naic.org/documents/consumer_alert_aig_annuities.htm]]></link>
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			<title><![CDATA[Life Insurance: Reviewing Your Policy Important to Securing Your Family's Future]]></title>
			<link><![CDATA[http://www.naic.org/documents/consumer_alert_life_insurance_review.htm]]></link>
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			<title><![CDATA[Hurricane Preparation: Quick Steps Consumers Can Take Now to Make Filing A Claim Easier After the Storm]]></title>
			<link><![CDATA[http://www.naic.org/documents/consumer_alert_gustav.htm]]></link>
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			<title><![CDATA[College Insurance Needs: Parents - Review Your Insurance Policies Before Your Student Goes Off to School]]></title>
			<link><![CDATA[http://www.naic.org/documents/consumer_alert_college_insurance.htm]]></link>
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		<item type="fraud">
			<title><![CDATA[Insurance Fraud: What Is It and How Do I Report It?]]></title>
			<link><![CDATA[http://www.naic.org/documents/consumer_alert_beware_insurance_fraud.htm]]></link>
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			<title><![CDATA[Are You Properly Insured for Your Summer Fun? ]]></title>
			<link><![CDATA[http://www.naic.org/documents/consumer_alert_summer_fun.htm]]></link>
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		<item type="auto">
			<title><![CDATA[Auto Insurance: Get 
			Prepared Before Your Summer Road Trip]]></title>
			<link><![CDATA[http://www.naic.org/documents/consumer_alert_auto_insurance.htm]]></link>
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		<item type="health">
			<title><![CDATA[Health Insurance: What to Do If a Health Insurance Company Denies Your Claim]]></title>
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			<title><![CDATA[Flood Insurance: National Flood Safety Awareness Week Good Time to Review Your Flood Insurance Policy]]></title>
			<link><![CDATA[http://www.naic.org/documents/consumer_alert_flood_insurance.htm]]></link>
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			<title><![CDATA[Health Insurance: What You Need to Know When Applying for an Individual Health Insurance Policy ]]></title>
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		<item type="auto health home">
			<title><![CDATA[Making the Claims Process Easier: What Consumers Should Know When Faced with A Loss ]]></title>
			<link><![CDATA[http://www.naic.org/documents/consumer_alert_claims_process_080131.htm]]></link>
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		<item type="auto home">
			<title><![CDATA[What to Do When Your Home or Car Is Damaged in a Winter Storm ]]></title>
			<link><![CDATA[http://www.naic.org/documents/consumer_alert_winter.htm]]></link>
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		<item type="fraud health senior">
			<title><![CDATA[What You Should Know about Medicare Prescription Drug Coverage]]></title>
			<link><![CDATA[http://www.naic.org/documents/consumer_alert_perscription_drug_2007dec.htm]]></link>
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		<item type="health">
			<title><![CDATA[Health Insurance: Picking the Right Coverage to Protect Your Family's Future]]></title>
			<link><![CDATA[http://www.naic.org/documents/consumer_alert_health_ins_2007oct.htm]]></link>
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			<title><![CDATA[Life Insurance: Securing Your Family's Financial Future in Case of Unexpected Death]]></title>
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			<title><![CDATA[Protecting Your Student's Future: What Your College Student Needs to Know About Identity Theft]]></title>
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			<title><![CDATA[Title Insurance: Protecting Your Home Investment Against Unknown Title Defects]]></title>
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			<title><![CDATA[Travel Insurance Can Protect Your Vacation Investment]]></title>
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			<title><![CDATA[Understanding Your Insurance Policy]]></title>
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			<title><![CDATA[Storm Preparedness: A Four-Step Process]]></title>
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			<title><![CDATA[En Espaņol: Storm Preparedness: A Four-Step Process]]></title>
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			<title><![CDATA[Senior Citizens Should Be Aware Of Deceptive Sales Practices When Purchasing Annuities]]></title>
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			<title><![CDATA[Renters Insurance Should Be Considered For College Students Living on Their Own]]></title>
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			<title><![CDATA[Medicare Recipients: Beware of Scam Artists Selling Prescription Drug Coverage]]></title>
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