No Export for You: Was once the case for the game's full soundtracks, which didn't get an international release, physical or digital, until 2012. The only thing the states ever got until then was some music sampler CD's containing some of the third-party tracks.
Health care reform requires employers to notify their employees in advance of certain coverage changes. Some Patient Protection and Affordable Care Act (PPACA) regulations will require employer group health plans or their health insurance issuers to notify their members of certain coverage changes.
State governments regulate the insurance industry, so laws can vary for each state. Due to the signature requirements and medical exams, it would be extremely difficult for a person to take a life insurance policy out on someone else without the insured being aware of it. However, some states allow spouses to take out a life insurance policy on a spouse or minor child 15 or younger without his consent.