This report is a result of the directive contained in House Joint Resolution No. 222 passed by the 1973 Session of The General Assembly.

Pursuant to the study directive, the Virginia Advisory Legislative Council appointed Mr. Robert T. Barham, Jr., C.L.U., Roanoke; Mr. Harold Stanley Bourne, Richmond; Mr. Robert S. Day, C.L.U., Alexandria; Mr. William M. Deemer, C.L.U., Blacksburg; Mr. George H. Fletcher, Jr., Roanoke; Mr. Willis Jackson, C.L.U., Roanoke; Mr. Irvin F. Kennedy, C.L.U., Richmond; Dr. David R. Klock, Blacksburg; Honorable John L. Melnick, Arlington; Mr. Nathan Metzger, C.L.U., Richmond; Dr. S. Travis Pritchett, Richmond; Mr. Godfrey L. Smith, III, C.L.U., Newport News; and Mr. C. William Waechter, Jr., Esquire, Richmond, to the membership of the Committee. Honorable Russell M. Carneal of Williamsburg was named Chairman of the Committee and Mr. Robert T. Barham, Jr. was elected Vice-Chairman.

The Virginia Advisory Legislative Council and the Division of Legislative Services made staff and facilities available to carry out the study directive, Mr. L. Willis Robertson, Jr. and Mrs. Janet C. Baker, being assigned to assist the members of the Committee.

At the outset of the study, the members of the Committee sought to familiarize themselves with the problems presently experienced by the Virginia consumer in the purchase of life, accident and health insurance. In addition to the information supplied by the members of the study Committee engaged in the sale and service of life, accident and health insurance, the Committee also heard from representatives of the domestic insurers and Mr. William G. Flournoy, Assistant Commissioner of the Bureau of Insurance, in attempting to determine what areas of the life, accident and health field presented the major problems to the consumers of the Commonwealth.

After isolating the major consumer problems in the field of life, accident and health insurance, the Committee appointed two subcommittees to study and report on some of these problems. Mr. William M. Deemer, Mr. George H; Fletcher, Jr. and Dr. David R. Klock served on the agent licensing subcommittee and Mr. Robert T. Barham, Jr., Mr. Robert S. Day and Mr. Nathan Metzger served on a subcommittee charged with reporting on disclosure statements and mail order marketing of insurance.

During its deliberations, the Committee heard the Honorable Everette S. Francis, Commissioner of Insurance, speak to the feasibility of implementing some of the preliminary Committee recommendations.

After careful review of the Committee's work the Council now makes its recommendations.