Excerpt from 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 Mr. Todd. Thank you. Good morning. My name is Mel Todd. I am a fellow of the Society of Actuaries and a member of the Amer ican Academy of Actuaries and belong to the National Association of Life Underwriters. However, I am not representing any of these organizations at this hearing today. About the Publisher Forgotten Books publishes hundreds of thousands of rare and classic books. Find more at www.forgottenbooks.com This book is a reproduction of an important historical work. Forgotten Books uses state-of-the-art technology to digitally reconstruct the work, preserving the original format whilst repairing imperfections present in the aged copy. In rare cases, an imperfection in the original, such as a blemish or missing page, may be replicated in our edition. We do, however, repair the vast majority of imperfections successfully; any imperfections that remain are intentionally left to preserve the state of such historical works.