Brent D. Gardner, CLU, ChFC

"I feel that the management of our life insurance companies isn't strong and dutiful hands; that American life insurance will live to bless our people as long as American civilization lasts, and will endure and grow as long as civilized men, while living, take forethought of the event of death."

"Those who control and manage life insurance enterprises should be absolutely and disinterestedly devoted to the interest of the assured. The relationship between policyholders and their companies should be friendly, trustful, and cooperative...With fairness and liberality on the part of the companies, and exact understanding of what the policies mean on the part of the assured, they ought to be friends, with mutual interest and everything that affects the rights and fair treatment of the company. This condition cannot exist if...policy-holders are allowed to remain in slothful indifference to the fact that unfairness to their companies is unfairness to them, and that the unjust taking of money by legislation or otherwise from the funds which are held by their companies and trust for them, cannot be regarded otherwise than as a wrongful and unjust diminution of their individual savings or possessions."