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Final Report on Insurance Solicitation Practices on Department of Defense Installations

By Department of Defense

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Book Id: WPLBN0000113881
Format Type: PDF eBook
File Size: 5.8 MB
Reproduction Date: 2005
Full Text

Title: Final Report on Insurance Solicitation Practices on Department of Defense Installations  
Author: Department of Defense
Volume:
Language: English
Subject: Military, Armed Forces., National defense.
Collections: Military and Armed Forces Library Collection
Historic
Publication Date:
Publisher: Department of Defense

Citation

APA MLA Chicago

Defense, D. O. (n.d.). Final Report on Insurance Solicitation Practices on Department of Defense Installations. Retrieved from http://hawaiilibrary.net/


Description
Government Reference Publication

Excerpt
Excerpt: For nearly 30 years the sale of life insurance on military bases has been the subject of controversy and repeated violations of Department of Defense (D.O.D.) policies by insurance sales agents. Since 1971, when the issue first came to the attention of then Secretary of Defense Melvin Laird. D.O.D. has reformed and refined policies that have attempted to deal with deceptive and coercive sales tactics by unethical sales agents.

Table of Contents
TABLEOF CONTENTS EXECUTIVE SUMMARY iv 1.0 INTRODUCTION 1 2.0 BACKGROUND 3 3.0 LEGAL AND REGULATORY CONTROLS 6 3.1 Federal Statutory Controls 6 3.1.1 McCarran.FergusonAct 6 3.1.2 The Financial Services Management Act , 6 3.2 State Controls 6 3.2.1 Role of State Regulatory Authorities 6 3.2.2 National Association oflnsurance Commissioners.. 7 3.3 Department of Defense Controls 8 3.3.1 DoD Directive 1344.7 8 3.3.2 Service Regulations 10 3.4 Critique, Regulatory Structure 12 3.4.1 State Regulatory Authority 12 3.4.2 DoD Regulatory Authority : 12 3.4.3 Service Regulations 13 3.5 Critique, Regulatory Practice 15 3.5.1 State Regulatory Practice 15 3.5.2 DoD Regulatory Practice 15 3.5.3 Army Regulatory Practice 15 3.5.4 Navy Regulatory Practice 16 3.5.5 Air Force Regulatory Practice 16 4.0 FIELD SURVEYS 18 4.1 DoD Inspector General Evaluation 99-106 18 4.1.l-Overview 18 4.1.2 Methods 18 4.1.3 Facts 19 4.1.4 Findings 20 4.1.5 Recommendations 20 4.1.6 Assessment : 21 4.2 Consultant's Evaluation 22 4.2.] Overview 22 4.2.2 Initial Assessment 22 4.2.3 Field Survey 26 4.2.4 Puget Sound 27 4.2.5 Missouri 30

 

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