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actuarial adjusted earnings agency force amended ance annual report antifraud provisions antitrust Best's capital and surplus cent Chicago Conference commissions company's conflict of interest corporate directors disclosure distribution equity established companies exemption expense federal securities filed Furthermore gross premium valuation holders holding company Ibid insider trading insurance business Insurance Commissioners insurance companies insurance departments insurance in force insurance industry insurance stocks investment investor issue issuer Law Rep licensed limitations Loss manipulation McCarran Act ment merger minimum NAIC National Underwriter nonparticipating operating organized pany participating policyholders persons potential premium price-earnings ratio problems prohibition prospectus protection proxy purchase registration statement regulatory reinsurance remedies rule Saratoga Springs SEC Reg Section Securities Act Securities Exchange Act securities laws Securities Regulation selling speculation Stat stock company stock promotion stockholders substantial supra note surplus requirements technique tion Uniform Securities Act York York Legislature