When will policyholders be given the truth about life insurance?: hearing before the Subcommittee on Antitrust, Monopolies, and Business Rights of the Committee on the Judiciary, United States Senate, One Hundred Third Congress, first session on examining state regulations and the adequacy of information available to consumers of life insurance, May 25, 1993, Volume 4
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Metzenbaum Hon Howard M U S Senator from the State of Ohio Chair
Panel consisting of Mel G Todd president ClarkBardes Inc Dallas
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ACTION TO DATE Actuaries advertisement Annual Premium assumed assumptions basic policy basis Buyer's Guide buyers Cash Surrender Value cash value Chart ChFC column commission Commissioner competition death benefit expense charges extra benefit riders filled fixed premium universal flexible premium policy free look IFAs independent financial advisers index numbers insert amount insurance company insurance industry insurance policy insurance products interest rates investment investor issue John Hancock Keating Lyons Model Regulation mortality charge NAIC nonguaranteed factor option paid payable percent period policy illustrations policy information statement policy language policy owner policy summary policy value policyholder policyowner premium payments projections purchased Rakich sales illustrations Section Senator Metzenbaum Senator Thurmond SIB and LAUTRO specific surrender charge term life insurance tied agents universal life insurance universal life policies whole life insurance