The NALC represents a wide range of insurance companies from very large to very small. However, the bulk of our constituency is smaller and medium size life companies. These companies are defined as those insurers with a capital and surplus of less than $500 Million.

The issues that face smaller companies today are often the same issues faced by larger companies. Legislation or regulation that represents a loss of profitability for a large company may threaten the very survival of smaller companies. These companies are vital links in the American economic system. It is from this perspective that we consider all issues that face our industry.