An Analysis by David Appel, Ph.D of the Consumer Federation of America Report: 'Why Not the Best?'

Remarks of Assistant Treasury for Financial Institutions Emil Henry, Jr. Before the National Association of Insurance Commissioners, February 5, 2006

U.S. Senate Testimony by William McCartney, USAA Group re: “Examination and Oversight of the Condition and Regulation of the Insurance Industry” 09/22/04

U.S. House of Representatives Testimony by Philip O'Connor, Ph.D., Former Illinois Insurance Director, 03/31/04