AMB 3963 — Arizona Replacement  Arizona has enacted a replacement regulation that is based on the NAIC Life Insurance and Annuities Replacement Model Regulation. To view the AMB, click here. Or visit TransACT, click on Sales Tools and then on Agency Managers’ and Compliance Bulletins under Resources. Then check the box for View All. FOREIGN NATIONALS 5 Elements to Success in the International Risk Market  Transamerica’s International Underwriter Chris Guerin provides tips for avoiding logistical pitfalls when working on international cases. Check out his recent LifeHealthPro article to access his valuable insight on this growing market.