GRUBAMACARE, AND THE LAWS THAT WERE BROKEN, TO CREATE IT...READ THE FOLLOWING , TO SEE FOR YOURSELVES, IF FACEBOOK, GRANTS , IT.Heres a copy of your letter to Congress. Please share it with friends. Ask them to send a letter too. Grow the Downsize DC Army! - - - - - - - - - - - - - - - - - - - Subject: Constitutional Limits You swore an oath to obey the Constitution. Honor that oath. Abide by the Constitutions limits on federal power. DEAR CONGRESS, DUE TO THE THREAT, THAT WE, THE PEOPLE, (LAW ABIDING CITIZENS), BECAUSE OF AN ILLEGAL AHC GRUBAMACARE, LAW, THAT VIOLATES, OUR SUPREME LAW OF THE LAND, OUR CONSTITUTION, WHICH , PROVIDES , FREEDOM OF CHOICE, WE ,THE ABOVE, ARE BEING THREATENED , WITH A PENALTY, THAT WILL BE INCURRED, UPON US, AS A RESULT, OF BEING FORCED, TO BECOME LAWBREAKERS...WE DEMAND THAT THIS ILLEGALLY DRAWN UP LAW, BE RESCINDED, AND A PUBLIC APOLOGY, MADE, TO ALL, AS TO THE DAMAGE THAT HAS/MAY HAVE BEEN , OR MAY BE DONE, TO OUR CHARACTER... I WILL BE REFERRING TO THE FOLLOWING ARTICLE, capeschool/htmcrs/USICDLOETHIC.php?class=OHICDLOETHIC&jur=OH / AS TO THE AMOUNT OF CRIMINAL ACTIVITY , THAT HAS BEEN INVOLVED, IN THE DRAWING UP, AND ILLEGALLY, MANDATING, OF THIS LAW, PLACED UPON THE UNITED STATES OF AMERICAS, CITIZENRY. ALSO AS TO THE ILLEGALITY OF THIS LAW I WISH TO REFERR, PUBLICLY, IN ORDER TO DRAW THE PUBLICS , FULL ATTENTION, AS TO THESE TWO CASES: nmyig .org/wp- content/uploads/2013/10/Lawrence_v_Texas_US_2003.pdf > WHICH INCLUDES ROE VERSUS WADE. I ASK THAT YOU READ ALL THE FOLLOWING PERTINENT INFORMATION, AND ASK YOURSELVES, SHALL WE DEEM THE FOLLOWING TWO CASES MOOT, JOHN GEDDES LAWRENCE and TYRON GARNER, Petitioners v. TEXAS No. 02-102 , Roe v. Wade, 410 U.S. 113, 35 BY DECLARING THIS UNCONSTITUIONAL LAW, LEGAL? We shall look at common provisions found in state Unfair Trade Practice laws now. A particular states laws may be slightly different from the language presented here. [[But first, let us understand the basis for determining whether a trade practice is fair or unfair to the consumer. Essentially, at the core is the quality of communication about the product and the sales process between buyer and seller. Consumers must have all the information they need in order to make a decision, and that information must be accurate and true. The information should be produced in such a manner that the consumer has it in time to make the decision; if more information is required, or some action taken before the sale can be made, the seller is required to act in a timely manner. And, no tactics which try to unduly influence the buyer may be used.]] False Application Statements No person may make false or fraudulent statements or representations on or relative to an application for insurance coverage for the specific purpose of gaining a commission, a fee, money or some other benefit form any agent, broker, insurer or individual. Note that this would apply to an applicant who, through false statements, will obtain coverage that would have been rejected were the truth known. capeschool/htmcrs/USICDLOETHIC.php?class=OHICDLOETHIC&jur=OH Introduction Ethics are a critical component underlying the conduct of the insurance agent. Ethics are a form of self-regulation, based on personal standards and principles, informed by ideals and standards drawn from outside ones own knowledge and experience. The licensee as a representative of the insurer and Law and Regulations Another important influence on ethical conduct is insurance law and regulation. It is common in discussions of ethical concepts to assert that law is the lowest standard of conduct, while ethics are always higher and superior to legal conduct. This gives the impression that law is under our feet in a sense, while our personal sense of morality is always superior. Importance of Ethical Conduct By adhering to a high standard of ethical conduct, we reduce the risk of many adverse consequences, including lawsuits, loss of customers, low retention rates, loss of license and levying of fines. Chapter 2 ~ Agent Responsibility Consequences of Breach of Responsibility to Clients An agent who breaches his or her responsibility to clients to behave in an ethical manner will be exposed to two types of consequences, personal and legal. Credibility of Insurer in Society There is a concept in common law known as the Principle Of The Reasonable Man. This principle states that persons engaged in activities which can result in harm to others or their property must exert reasonable care in the exercise of their duties. So, too, is an agent required to use reasonable carein carrying out his or her activities on behalf of the insurer/principal. State Laws Governing Insurance State Laws Governing Insurance State laws governing insurance fall into several broad categories. And while those defining Unfair Trade Practices are most relevant to this course, we will present a summary of the other areas states regulate. Licensing of agents � and now, adjusters � is a major method by which states regulate the insurance industry. Licensing laws require that companies have a license or certificate of authority that allows them to do business in the state. And, the agents of the company must also fulfill licensing requirements before they are allowed to act for the insurer in the state. Licensing laws are the gateway through which individuals found to be trustworthy and competent enter the insurance field, and they are also the door which closes on those found untrustworthy or incompetent. Whether the door is closed for only a certain period, as when a license is suspended � or closed permanently � as when a license is revoked � the state is the final authority of who shall and who shall not solicit and place insurance within its borders. States also regulate contract provisions. Standardized policies or provisions in some insurance lines help meet the criteria of uniformity proclaimed by the NAIC. State law may require that certain terms be defined in a particular way. Other laws state that policies be easy to read, written with clear and simple wording, and states may forbid certain provisions being included in a policy. States require that any insurance policy to be sold in that state be submitted for review and approval before it is offered to consumers; states have the power to reject policies which do not conform to their regulations and laws. Rates are also regulated by law, with companies in most states having to file rates assigned to their policies with the state insurance department for review. There are three main areas insurance commissioners look at in regard to rates: ● Rates must not be so low that they do not cover the insurers anticipated losses and administrative expenses; nor must they be lowered to establish an unfair advantage over other companies. ● Rates must not be so high that they exceed anticipated losses and administrative expense, thus placing an unnecessary expense on consumers. ● Rates must be fair, in that no individual with the same RISK as another pays a higher rate. If a higher rate is paid for the exact same coverage, then there must be a valid reason, such as age, physical condition, and the like, for the difference. Insurance commissioners also have the legal right to investigate and examine companies operating within their states. They may conduct examinations when they have reason to suspect that the company is in violation of insurance laws, and they are required to examine all domestic insurers at periods set by law. Bolstering the efforts of the NAIC and state regulators to regulate those areas of the insurance industry which are key in its ability to serve the public fairly are Codes of Ethics formulated and promulgated by two major groups, the Independent Insurance Agents of America, and the American Institute for Chartered Property and Casualty Underwriters. Copies of these codes are appended at the end of this course. Insurance has been regulated by the states since the beginning of the industrys history in this country. States made certain that company charters had certain provision, and at a later time had boards which supervised insurance companies financial stability. And, until 1944, insurance was not considered commerce as defined under federal law and thus was not subject to regulation by Congress. (Congress has the Constitutional power to regulate interstate commerce). The status of insurance as commerce was tested in 1869 in landmark case tried before the U.S. Supreme Court, Paul vs. Virginia. The Court ru1ed that insurance was not commerce, and this opinion held through a number of court challenges until 1944, when the Court, ruling in the U.S. vs. The South-Eastern Underwriters Association, said that insurance was commerce, and the federal government could regulate it. The states had been regulating insurance for a long time, and had been doing this effectively. To undo all this and replace it with federal regulation seemed unwise, as well as impractical. The McCarran-Ferguson Act, passed by Congress in 1945, left insurance regulation to the states, with Congress regulating the industry only if the states failed to do an adequate job. However, this Act also placed on states the specific duty to regulate trade practices of insurers and agents. Mrs. Pamela Holt - - - - - - - - - - - - - - - - - - - The campaign used to send this message can be found here: https://secure.downsizedc.org/etp/obey-the-constitution/
Posted on: Tue, 06 Jan 2015 02:37:30 +0000
Trending Topics
Recently Viewed Topics
© 2015