We have a hard time remembering a year that wasnt challenging for the life insurance business, either in Congress or the marketplace or both. The year 2003, now just about over, was no exception.

The industry faced several challenges in Congress, winning some and losing a few. But if one thing stands out as a cause for victory this year is the strong unity that has been fashioned between the two biggest trade organizations in the life insurance businessthe American Council of Life Insurers and the National Association of Insurance and Financial Advisors.

We ended 2002 with an editorial comment about our hopes for the new leadership at both of these associationsGov. Frank Keating at the ACLI and David Woods at NAIFA.

The way these two men have worked together this year to craft a united industry response in the face of some major threats shows us that our hopes we placed in their leadership have been fulfilled.

Heres to continued unity in 2004!


Reproduced from National Underwriter Life & Health/Financial Services Edition, December 19, 2003. Copyright 2003 by The National Underwriter Company in the serial publication. All rights reserved.Copyright in this article as an independent work may be held by the author.