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Thirty-eight years ago I attended my first board meeting of the National Association of Life Underwriters (now the National Association of Insurance and Financial Advisors) as a newly elected trustee. The principal item on the agenda was a presentation by a top official of Metropolitan Life regarding a proposal to substitute federal regulation for state regulation. The presenter lifted up the advantages of the proposal from the company perspective, but did not address the effect the proposal would have on marketing, the primary concern of agents.


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