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Ut8. MiddJ.e Diltrict COUrt
. ClArk-Utllt Diltriot Court
.' PtO. BOx 983
Hll'rilburv, PA 17108
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XI . IMnAL_AAOI!:ll.OlIlIll.
A. l.1auUU.!.'ul.llll19Y1U.D.t.W1.th. .QJlflD'1Jlt
4. Betweon July 3, 1978 ,1nd lJecember 27, 1993, Plaintift
wae employed by Dotendllllt.
5. PlalntH t til'ut becilln" olJlploy.:" by llefondant in 19'/11 au
a Sales RsprssentatlVG in tho B~ltlmoro, Hdrylnnd, nrD~.
6. In January, 1980, Plaintiff W..H1 promotod to 51110u
Manager in a Dietl'ir:t Sa lua on i"o of lld I~n<.lant.
7. In March, 1984, Plaintifl wile promoted to Branch
Manager ot II branch office ot Defendant.
8. In March, 1990, Plaintiff WAS promoted by Detendant to
Director of MArketing and Training SorvicBR tor ll~fendllnt'a
Southeastern Territory, covering a geoqraphic aroa of twelve
wtates and headquartered in Tampa, Florida.
9. In July, 1992, Plaintiff was promoted by Defendant to
Director of Caroor Training nnd Development for Defendant's
Mideastern Territory.
10. tn August, 199J, Plaintiff' WiHJ p,'omoted by Defendant to
become Regional Saloll MdnllrJl3r tor [)ofond,~nt's Jlan'jaburg Region,
one of fifty-slx rugiono administerod hy Dofllndant.o
11. Whilo omployud nn Raqlonal Ddles Manayut' for
Defendant's lIarrlsburq Ra,/tol1, l'ldintlff'u .lqllncy W,lll roltud
number ono naliona lly by DOfl)I1,Jill1t in tho s,11es of mutuilJ (un<J"
and numbor four in tho Territory in the retuntlon ul ualus
associates.
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,t:iI. Whilo cmplClYoO iHI H'JrlicJ/l~L Sd Lt",1 ManM)IH' tClr
Detendant I s Harr.1aburq lla'j lon. I' II)Jnt I t r' u ayenuy projllcted tot"l
premium. earned tor 1993 to boll i11/(H'Oxlmately $100 million,
inoludinq $4,5 ml1lion In tirllt., ycar commlllSion" ,
13. On OecHmber 27, 1993, Plaintiff's omploymtlnt WlI"
abruptly, and without w~rnin91 tarmlndteJ by Uefcndant. ^ oopy
of the notice of termination lu uttauhed hereto as Exhibit "A."
14. PLaintlH WilS not infol:mccl by Defendant why his
employment was terminatod.
>> . 'I'U..1.'JDPL. 9-1119.', ltmL I P,VU t: l.g,,!;1Q])
15. Detwoon Man.:h, 1990 and AlIfJlwt, 1992, Plaintiff WilS
employed in IlE'ft'llrlilnt. I,l fjollthn,wtC!:11 'l'orr I tory hOlldqllal"terlil in
Tampa, (,Oloridl.l,
16. ^,~ lJit'/l"tor of Cat'(jOt" '1'1''' III IlllJ <Incl l)oVr, 1 "pment for
Defendant'a SO\lthf.'oHltllrn 'l'urrltol'YI 1'1.1lntlff ropot"tllrl dlt'(jctly
to the Territorial Officor In Ch~t'qD.
17. All traininq ilnd aoleu materials nubmittud to Plnintiff
were forwarded to L, Michello Ligon, J,Do, tho Territorial
Compllance Oft il;or 1 n the southollfltClr'n 11(.',101 01 f Ice.
19, Plaintiff had no control ov~r company npproval of sales
and traininq matorials.
19. Located in the samo bll1ldi,ng an lJofendant'8
Southeastern TerrItory hoadquarters wa~ a District Sales Office
("DBO") .
20, Tho branch mannger of the D90 wau Rick Ursa.
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21. In the Bummer of 19''/:l, tho state of .'lodtlo
inv..tigated claims of miarsprOBontutions, fraud and uue of
unlawful means by the DSO,
22. The invostigation con~erod oh tho DSQ's use of uertaJn
literature used to promot6 the salas of lnauranco to nurs~s on a
nallonal level,
23. ContempClr'uneous with Florida'n invol'lt,i~lfJLion of tho
activities at tho 080, Det"ndant W,IS f':<Jnd\letlnq it'l own
investigatIon of dctivit.ln!l al: t.ho Tampa oUler.!,
24. In ;11111'0, 1 'J'JI 1 I'llll.ntlfl WiH\ r.t'Oll\llt,e<.l 1:1) H('yionill Salo(\
Manaqer In l'onnBY 1 V,IJl i.l,
25. On l\uqul3t 2'1, 19'JJ, ilPl'roximil\',oly ono \lHJnth aftor
Plaintift wo1l; Pl'omot..,d 1.0 REI<,lonill :3i1len Manager, ,\ Notl.co and
ardor to Show Caul10 was f i l'JrI by till! O( f iet! of tho 'l'rellsurer for
the Florida Departmont of Inauroncn,
26, On November 1'/ ,lnd Oocemhor. 9, 1991, Plaintiff WI1B
interviewed by counsol trom a law firm rcpr~B(]ntinq Defendant
regarding events in lhe Tampa office.
27, On Oecembor 27, l~'JJ, Plaintiff, at the same time a8
several other employees of lJefrmdilnt, was torm Ini'ltlJu by
Defendant.
c. I)tn!ll"!;Qr~L.Bt'''!lM1It,,_.Jlyu /)efeMall~
28. In Decembsr, 199'3, "nJ .Janll,lry, 1994, rlulondllnt,
through its authorllud reprao~ntdtlv~~ nnd agentl1, mudo various
public statemento to the mcmk"Jr.rl of 1.\\1) m,)di.., cancel'nin') thu
justification for the torlnilli\t Inn .',( PI,llntlff'n nmploy,nont,
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2't On Deoembol" :.la, 19!);), Harry P. Kamen, chairman of thQ
bOllrl1 and ohiof eXQcutive officer of Dofamlllnt, ilnnouncad
publioly that Plaintiff was one ot "evon employees terminated by
Defendant.
30. In a moc\ill interview, Mr. I<llmon dirlcUBsod "unethioal
praotices" in the Tampa offico and atated that the employeel were
tired tor "impropmrly reprosentinq life insuranoe as retirement
plana."
n. Mr. l<dnlOn J,dentit'iod Plaintiff ,Ill orw of the employees
who ....dS terminated tor the Ilneth ica I condu()l,
)~. Mr, l<amon'A r'emarks woro r'opublishorl on il national
ba818. True and carnwt copy of artlchHI l'eprlntil1<j and
discuBsinq tho c.:ommonlu ma,!.o by Mr, 1'-;11"0>1'1 in tho \'I,lll ;ll:rcc~,
Journal, New I'ork 'l'lm()~', ('hl...oIlJo 'J'rlj,'lll", Ii\: 0 I'l.",,,t ,:burrJ 'l'lmnH.
NeWaday, Los AI'1..,cl('~\ 'l'imon, are attadlt:HJ hereto iHl Exhibits "A,"
"B," "e," "0," "1:;," and "F." uther IIrticlotJ 111'0 ruaucmably
believed to h.we buon in till' Palm 130ilch Post, San Fl'ancisco
Examiner and Baltimore Sun.
33. The employee terminatiol1n were d~Rc~lbed as part of an
effort to end "what has become one of thfJ biggest insurance
scandals in recent years." Exhibit" "A" through "F," attached
hereto.
34. On the uame date as Mr. Ramen'S remarks, Charles
Sahner, an authorized spokeoman tor Defendant, aloo discussed the
employee terminations in il media intorview. Tnl~l and COl:rect
copies of arti~leB quotinq Mro Sahner In th~ Now Orleans Timen
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Pioayune, Ban franc1n",., 1';)(a.n1no. ,wd Nutiun.ll IJndoJ'wrltar 1.1re ,
Health pfllriodiclll ,II'" attilch'HI hurot,o IU: J;xtlibitr, "(I, II "II, II and
"I" are attached hor~to,
35. On UecomlJul' 3 I, 19')3, ;In all thod U'<,\ roprcnolltat i ve of
DOfendant was quoted by tho st. Poturnburq Timos as stating that
"the Tampa office used ml~lnadinq moterlaln dOBplto II serios of
memo., aall" and noticoa from headquartoto that thoy be
abandoned." A true and correct copy of the TlmoB nrtiole ip
attached hereto as ~xhlblt "J."
36. In the Bame Docombol' :Jl, 199:1, St. I'oterllburq'l'imes
artielo, the reprotlentatlve of Detlln,lant WilU quotod ad Bllying "We
hllve 13,000 llgents, bllt YOll Iln~ ulwilYs bOllnrl to have a few bad
apples" and that "We've takon St.lJPS to H'J!Jl] thom out." Exhibit
"J," attached hereto,
37, In December, 199,1, and ,JMIIl,II'Y, 19'14, llnfoll,'1dnt,
throllgh i tJ. ,luthor i zed ropro,'C'.ntd t 1 y.)" and ,1g'lntB, mildo Vllr iOlls
statements to gOVot'nmontal ofliel"I" ill>Ollt, tho l'oaUOl1>l ilnd
justification for th~ t~rmlndtLon 01 Pldlntill'u pmpJoyment,
30. A true and correct copy of i\ I ('t.t.UI' trolll Harry P.
Kamen, tho Chairman of the Ilo.)nl dlld Chic! oP<!I'i"tinq Officer of
Defendant to Salvatore R. Curialo, thu Sllporintond~nt of
Insurance for tho stAte of Now York is ~ttdchcr\ heroto a~ ~xhibit
"K."
39. Mr. Kamen informed Mr, Curinle thllt cnrtain employee.
of Defendant in its Tampa office wora termlnllted for failure to
comply with procedure!) of Dofendal\t.
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47. The .tatemCllIllI IInd j,lupll<.lationll mllde by l'.preaentativ..
ot Petendant that Plaintiff won involved in using misleadinq
matorial. deapit~ II aorles ot mamas, call~ and notices from
headql.larterH that ~h~y be abandonod are talso,
48. Tho untrue and duC;llIIill.<H'Y .,til~()m"nts wer... mllde wit.l,
full knowledgo of thoir falulty.
49. '('ho Unt.rue and dl,C;IIl\,ltut'y lILllollwnts wor0 mad" with
wanton ,HId rec)(}llllfl dJ.it'I"Jdt'(j to t.ho t.nltl1 ')l' Ltlnity u[ tho
otatoment:3.
/)0. 1'ho unll"llo and el,) f.\l1Id t.ory llt'l tOl\wntn "fir.) mado
negligent.ly and with'Jut. rniH\on,1bl,) lnvmltl.<jiltion ,11' to lhe truth
or faltlity or lhe flt.It.:"l1Icllts,
51. '1'110 untrue and cJ0fill1lilhn"y st:ntfllllollts woro m,lds with the
mallololl/l .intent of harming 1'1,JJntif1' whllo atlomptin'1 to cOVer
up Defendant's own ~ulpdbil it Yo
52. Thl! Unll'll., o~lld dofam,.\tory llt,;\temonbJ Imro made wIt.hout
pl' i v lIege.
53, '('he unt.rue and cl.~fal1ldtot'y flt.ilt.Ol1\o:>nt:; mild,} by [)'lfendilnt
have been publiohnd n'ltlonully.
5,\, !'('rSQI1a 1 t t" i otldo, a, "jll,\ Int;,lnc"'l, ,ln,,1 Ill',mp''''l I ve
employers of PI" j Ill:!, f f. hilVO bnr'll l:ec ll> i()llto ot t.il" lIntl'uO and
defalnatory statclnf,'tltC! I1\dclo by Ilnf.rjlldallt.
5~. 'l'he peruotli\l tl:iondfl, nl~qunJlll'dn";(J!\, Ilnd prlJf3ponLiV'J
employol'!:I of. I'lflinUtt, who h,lVO 1"o(;niv<'cl tho lltllt',Hnunts of
De[,mdllllt believo,' that tho otiltolnuntll apply to Plaintiff.
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e6. The personal friends, uoquuintanoe., and prospectlv.
..ployers of Plaintift who havo rooeivod the statements ot
Def.ndant have understood tho monning of the statementn to impuqn
the integrity dnd ethical reputation of Plnint1tt.
BOI. As a diJ.'.,,:t IInd (Jt'Clxlmill.'l conlioquonco of' Illlt'ondant's
dofamatory ot,3t.en\O/ltF.l lInd tllo tuint oj' tho IIntruo ianll d'Jfamatory
comment,; mdde by OO('lflrJ<lnt, Plnintlft'n l'<lputatlon hMl boon
substantially InJul~od by tho untrue i1nd defamatory ')ommonts mlldll
by Oetendant,
58. As a dlrol<.:t and pl'oxlm,lt.u connul]I.lOIlCll of [)u(ondant's
defamatory utatlllncnts PL"intllt h.1I\ iJocn ullilblo to obt.,dn
employment at the level of cornpllnoiltion cornmonRurat.o with his
skills, experiencu and abilities. A true and correct copy of one
rejoction ot an omployment opportunity Is attached horeto as
Exhibit "N."
59. Due t.o th~ talnt of the untruv Hnd defamatory cQmme~ts
made by Defendant, Plaintlff ha" boen '"lb,jac:tod to ddl.':ule and
embarrOBGmont, ill the ind\1utry and IImUn'! hIu frielldu and
aoquaintanoes.
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... " . _ ~ "/In .,' - '-iiiiiGI
. . ..,.., ..lIlI .. . .. ....
110m,..,.,.., &.aM, .. .. .., II'llolIIle
/II '."'_W V'-........Ii
qVC. .... ,...,.
C4l!1a.1H'" .. ..1E-c.
V..I.N.,'I .1Il1..,..,.. Irq.... QVC
. NI""" .1_ In ~ .. III
.rIle.. III TIlt Will '1reII loul'IIIl
lIyl/lI 11II1 .. lIE-C.'. dIIIlnnlll,
Ari/lUr l.evIu Ir. bad eel.... N...
11I4'. dIIIlrm.... I,*"" H.nlllIl_
_1nI lor InIwlII,liIllI lboull/le IIa.Il
III Qvt 1rId1""
A NIIII.q ....."1'1I.'" llobtrt
f,"~ IIld Yttl.nlay 1/111 Nr, l.evIlI
had 110I called M,. H.,..UmIM WI
,.
fit
fI,
I
IN
Jr.
I
..... .... 111 '. .. .. ..... . ....
.... ....... .. ......, ... PI_ A
QVc If ~-" ......, . .... .....,..
. .... .......
,,<<* II Pah_ II ...... .. ....
.... YOlltl llarll ~ Illd VIe,
11Im II ......., . &lie A....,. ....
~ lltnt,.lIy.1/Ie M
IIIoll ..... 11'I III ""'1ll""j.~1l
llul J::/'I ,/'1 ~lcN. Nr, ,
..k11i111 II NI""1l "I/Ie ,...w.1Ol'I
"",.. nlUIII tw QVC 1.1 iUlIe I
...... /Wai..
"I can'l .,... 10 lIIOw tllUlllorl II
...., eadlIna.. Mndled IIlflr 1111I.I-
....." he ujc{ .
.. I/lI low haoln 11II1 QVC lraded
an Doe, 21 It. .lO<jt 1.1111:11, III c.IoN
.1.40.15.
,1M
1,In
trl)
Met Life Will Offer Refunds'
1b More Misled Customers
II
I'
.~11d
bt
Conllnu,1l From ,,"/fI' 8UJln('.. "!JR'
"'''IwIll............prllN tnl.,m ttwy
t'lllJld /IIll ..1 Itwl, _y bid ..
lJlty UptCIO<I, IIIV"U,'IOI'I I"r lhe
fIorldl '",uranc. !ltpartmll11 I&ld,
1bt T.mpa om.. DlIlIod 20 mlllklfl
plile.' oIlno<'<\lllt. ..I.. IIl,nlurt
10 bldlvldu.I. lit 11 tilt... Florid.
olflclIlI uld.
WIlli. 0lI .20 mllllm 10 SJ4 1'1I,11I011
In ..tllndl .1lI red"".. 0lI monty
.v.lI.bl. 10' ,uv'~ llIym",U to
pollcyhold,,, fI N.lropollllll ut'l
'lmo 11'1 0lI own.1'I 01 I/lI 111"1...
llllunn.. company. Illey ifill DOl
CQm' clo.. to 1II1kllll lilt t1n1~11
'11'tIlI1Il 01 Illt CllIl\lp&IIY, .hld! ha.
aboul .. bUllool 01 (IPU"o ,
.App""'rIa..ll..,.......
Tom Olllla/llr. Ille l"Ior.... '....r.
11I<. Com mIUbIt" lrho hold. .
commul8I fill ..... all1lmlll_n
lormed 11I11 malIIIlO _rdINII 0lI1'
Mllropollllll Ut, Inqulrt". laNtoI ,
11I1'1'1I'"1 .llIlnllht CIlnlpany'. It,
lion. ".n 'PPl'O\lntl. rupollMo" IUI
h. .ddedlllll FloI1d1 _Id tllIIlInllt
III IItV"II"111II IIld dleld' IIlir
wII.1 /'flU Ilory I<lIon II lvqulrld.
Mtlropulllln ut. IIId II WII 110I
lht lUbltel of MY Invr'U"IIDIl by
I'ed...lltwo4IIIorum.,II..n.lft.
Hlrry Po KlIIIaI. who be\:lm' Mil,
ropollllll UI.'. dlllrnlllIln April In
I 1'1I'11I"1'1I11I1 1lIC:.''''1lIl lilt I ....
unllllllillll ""pnJbltl1llln lbo Tim.
~ OIfl<l,lIld )'M'Nty thl! ,nlny 01
Ill. pl'Ilb ,11\I ..... I IftWI of move.
In "" I 110'. III <Ieten, ralllll>ln I rol 01
day,lO<IaY oponlloN Illd ,'YI more
CQlII'llI III rtlklMl UI'OII/VU
In pn(U.., d" doulllllll,.Il1ll11
IIlllnlthal 10m. .Jloc:ullvw. ~.n 10
IIouI "'I'll' (ompeny ru.... Ilk. tIlo..
lWlulr1n. htldquort.rt .ppnwl! 0'
f
.11 ..I.. brochUi'll llId o<tw, IllIn'
IU.... IIlown 'u dle>>IL Co..,peny Ill-
diu 'f1OIll'1I th, pmlll.m, bul wtleu
nlllJfUll urr.'tHlv" 'old au.lJlor1 t.h..tt
IIIl> pn>ol.m hid bo...,n "IIlIYN, "&lie
lu,ll,orl JUII ftI1j ."'y,' Nr.l<.amoa
"1<1' 0
Tralnln. Will f.lwl..' .. '
....""I"'lIll11 ..m move blet lJl.
..Ird DI<l.. cOIIlr.. COIlINI I/I1'lIU1/I
Ult '1'111I111. of IIfW .mp~ Mr.
Kamtn ..Id. In tho company'. MI_
'on.. 01 I~ooo. U1r)'1OY'11' II III....
_all 1O ~I'I I/Ie In/Dln. fill
lbolIl ',000 III &,000 III. plq)1o Illdl
)'ta,. Un4t, 11II_ 1X,1k:1tt, lnlnln.
Will lUll rul pltt'l locally, bw trtI.I
'ollow mo/'l eloul}' I mOOtI del",*,
by ht.dquu,.... '
In I'fI,IltptCl, Mr. Kim.. .Id,
M'1I'1lJIllblln IhouId 1IIV't MOIl .am,
InI na.. 111 I/Ie rapW arowIlI III ...
Tlmpa arnc.. IIId III dle ....,000 fill
~." CGmmllllonl ..med lua year
lht httd fill I otlIct. lllltIltl
rao, I/lIlIltlrlc& ~" IIII/IIlfr,
WIlIIo Nro UI'II) .1' MOIl dlroc:tJy
1'I'.'ed to Ib, proplraUlln of ..It I
(1I.,.lu.. 1/111 I.Ilte1 10 IdtnllfY I/Ie
prodU:1 bOIr,' 10111 ... lnIulld. Illot
C1lmlllny . 10 dllnllu..1 IeV'1'I1 DI
bI. tlJpol,lOrI lor 110I alrretlll1, lht
probl.m 1'1.. II ... dlt<loted by
l1.rne numllt" 01 CWllJm., Olm.
pl.lntllnd a (O",rany AudlL
InaddlUon In Mro U."", 'n. <IlIIlpa,
llY d141/l1l~ or lOrtl."d Ill", 1flJ,..
m.m Dalnlt SdI",Idtr, a ""Ionol
tulla ""nlRor; Jlm.1 1/111&11\I IlIld
Willi.", LIlia, VICt plllldenu 10'
U\Jr."'n~ III the s..olhem ~rr"ory;
O.ry Vallh, a ~I"'efllr lit Ill......I",
11,..,,'<." .nd Arthu, L 5pe..10r, .
vie, pre'ldtnl In ,/It N.w VOrll bI.d.
qu.rt'rI, Th' Illotl atnlnr oIl1el.11O
li~ IlUIhtd OIU lJ/ 'h. allllpallY ""
'''<hlrd /I, Mlu,..r, ""lIur Vlc. "...'1.
lIi.un .. Ml'lrupoIU.n'. hf\.~~u''''~r1,
~I'
*tPw ~K:
=-==.. -&MI
IIIn Nyno. /II CUl
,.... , ,..-.. If fI" ...
...I/IeCOIllIlUlY'.h.IN ....
. ,.... I,.. Alto I.. ..-;
Dr--' 10 IW\I~.., 11II
IlIJ.IbIItI 1_ II CIIItIII tor .. ..
IlllcallAlltp/IDnt lilt""'" IIII)! " V'I
III .....", CIIIl4l11tr, A. T" T. ,...
OlIdly 111 IIIIi ,1111.
.. , ",
:L
..
..
..,1
~I
"r
.....
=
CD
...
'_It
lIIlo ... In dill.... III IIIIi lorce III II..
......., InlUrlnce ..,nll. =1
lip..' TI"OUIlII ~1n.1
Ill" KIm.,. 1110 IIld I/Ie llOIIIpa. MI
ny'., Tlmpa Omet llhauld haw II' 11I11110
II'ICIId 1'1I0" manl..mllll IIl111UOn IIIllll
btca.... 01 pt<\IlIlrlU" III 0lI poll. IUI
.... II ao'd, For lIlampl. &a ptl'Cllll IIDn
01 Iht IXIllc," fOld Il'Ilm rampa "",.. In opt
10' odd 'lOll.. ImDllm... no! lelhl 11m.
mulllpl.. 01 '10,000 thalli almlllCll "mln
'0' Ill, lII.u"ne., ..M, tltoe Pftllllo 1lIIII,
unll "",. 'V'!ll Imounu, 110I 0lI Dd<I Nowm
'''I""nll .1"ullllM III 1M 'u, ptM~ yel,.
lor mOil In"".n<< pollcJ... ....C'
A, otIlt, '''lr''l'OllI," 01'1<;~'" lhI I/Ie n.'
r.olnolnlllDll OJr fIll,j Inlu,.n.. N'1/l1r
.mounll ."rI ",.n ~rtmlum peyo J!IopI.
m,,,.. - "tI... I 1111I thlt louu,."., o.lIn.,
lt b.ln, I<ll~ '" III IIlYtlt",'nl- .lIIc:. Ii
""CUll '" ooly lbooll per,"", 01 'If'" /U pun
IlOll"". ",. ,nmpany IIld, "'ll/Ilr
, " -...-
Hlni p, 1CAlmen, cllelnn&n IIllI
chW atcUtl.,. 01 Ill. MttropoII.
11II W. lJIIuranet CGmpMy,
.
1..,;1,1)/\,1"""
M!'I
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'f.
"\,." ; u It;"/ '1~~;'1'I;'"
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"
"
EXHIBIT nCn
'i
"
, '
"
lVletLltr relllOVeS '/ 'Ir.anagets; ". '
firm prepared to offer refunds
. r.... '''' I
I
.,nc. 10101 poIkl.. III OUrNI la M
"'-
'" Ie III Inl.rvluI, Hlrry p, K.,
'1IlitIl, ..elUl.', cbtlm\lll U<I dill'
,.-cullvt. ~rlbed bo. l,he co..
~Ia:=-==-:
Ie III t..... ol/kt &lid IPr114
....\
"Y.-. ... -lUl. _pen, .1
IOtlrllll/llt. b. _.. rt,.rrtlll
III lIIeld.... lA Wblcb ,u411O" told
'l-.ellll", to Ilop ctnalll prtCUC...
bll4 UiIhIed III. ord.n ..r. car.
rItd ouL 111 011. hlll.lICe. b. ..Id,
,u4110n " Ill. compeny'. bome 01.
nc. un,:Gt.,.., pnelle'l In Timpe
Ihl W'I' ~unltr 10 "'ell.lle IlQlley.
A1Ulou&h lb. probl~nll wore rtp<lrt'
IIcI bllbe .pproprlale UICIlUV" ao
kllon Wit Ie.on,
But, ..Id Kam.n, "We .no.
,
.,
"
.1
,
, .
. ,
"
WIIIl ..11I .... ",,'.,. laMG COl'.
~ adIolIl '" nnl 10 lID lor.
..rd."
De _It /t.lIlo'l I Ill4lllll..1oaC
111.t",-, ImwIlItIlna by lb. C'll'DplI'
1'0
flor1c1a II ...... ....11 IIaItI
loVlltlp..... lilttUf.. It relllllllln
~ ...nll .. lIIe 1'IllIr. otlke I'DIto
rtpr_lllt4 .'01. II . pollld. It
....... reanlll.1I ,.... .... Ill.
woN ...., III"" ..... of "prt.
urn. ... lIeft... "'111 ... mad.".
UII.. IUd! .. "111I'II11I I'IP"-IIe,
Uv." 1.0 ItDd IndIIIct III Ill. pIu. A
I.n&t/ly IICrlpllIItd III pUlll lb. poll.
cy n.ver Inlormed C\IIIomen tUl
Ib'y .er, purebulo, IIle Insar'
IOU. lorm., oMonll and (lIIIIoon.1I
bavI wd,
florida IllIUraIl'" CoI1lI1II...lon.,
'/011I lllllu&b.r ulled Mellll.',
fnov... ".. apPf'QPrlal' r,.,ponse. I
I.n .ncllunsaed by thL, 1Il0po M..v,
,_....--_._~_. .
, ,
.,. llIe ,Itpaltmtol II III lilt IIIddIt
<>I . DI'lt~ IaNl..1IIlI a''''
..Ienl 01 .ronl\lol., IIy II.IUI~I
... lb. lao, o~....l'III proceed .
OlllCllIIIOL .
MttW.', nl., ..-.eIIU.. lor,
_Uy ~~ __.. ... ..."
n~ fIlIIl lb. ......,.. .. ..I 'or
OU/'Iltlv.... U4 0""'" ....... ..
.., CIIIioflllr ... _ ..... IIlO
II. po.... 0/ . ..... .... .....
... poUq. ' ,r- .
"fin.....,. MtWIe ...d oIftrId
"rulolt 10 III. '1,000 people .ao
lI4Iu,,1 II'. luu"u, ,oil...
Ibroulb U/IO', olne., IJIvll' Ne~
IOOul tll mill loa,
TII. conlpllny can 1_ """"n
no million Ind no million wtlll III
lall.t oller. tallmllln. ~O,OOO 10
4MtlO boulbl pollet.. U1l1lkl.. la.y
wen rell"m.nl or ..vi.. plUI.
MetUl. be... III probe Iller
Ibe Flortda Dtpar10nenl 01 llIUr.
ance nled a (omplllnl In AUruat.
\ and had pr,v'olllly tol4 Uno to Ilep
,10wl\ l.mporarlly u mall.lllr 01
lilt c~m~.y'. ~...IlI11 ,)lIIolo
Uno; 'ftO CllUld _ '......_
lor commeDI MondAy, hu mata-
lalned b. dill I ,00<1 job lor lbl
<llmpany,
Other ,..<ullv.. 1.llvlll, Iil<lod.
Artllor L ~pe.olor, VIr. pl1flldNlllor
ptlllOnaJ IllIul'1lnc., advnllct<l Nr-
lIel1l; lUllft ilia/lit, VlCI pnaldeDI
Ill' m.,..lIn, In Ih. SolI-. ~
lory: WIIlIaDI LIlia. former me
pr"ld.nl.JOI~. lb.
Soothern I.riff ,
Iller dlrtdJ>r 01 mar"l II..,.,... \
lor lb. Soulber'll terrttory. IlId De..
lit Scbnelel.r, rttlonallllel JIWIII'
II lor Tampe rftlOll,
1111&1.... LIlli IlId Voltb WI"
buedlil Tl/llplI, .b.,. ..eIU" I"
ploY' lboul \,3011 peop'"
" ""11.11' IPolltlml. d.(lIl1ld
10 !lilY Wblcb 01 lb. ...cullv.. aad
b..n nlfd Ind wblcb ""d I'Il1nldo
Tbl 101111.11' lavesUtaUnD au
promplfd bl'Old 1</IIIIllY lAID tal..
PrtcUCft by 11I0 IMluuel Ildllltr')',
end U.$, SIll, Hnwlld MeIRalllum,
J).{JblO, pllna 10 Mid ...rl.... 01
Mellll.o
In nddlll')Il, Ibe !'lortdl Dtpel'1'
l'Denl 01 lnauran,', IaaI .... be....
IIlv..t~t1n, mJIlu4111 .1.. 11\I1,.
rllll dlllrlbil,..d by . N.. Yorl UI.
In50","C' (0, Ilenl II Tlf'901
sprlnllll And I" Florida aUonl.y
11"".",1', o/flre I14ld \I IlU l'l!O;elvtd
n\ll\Ollol In,II<BllnJ "rud.nllll UI.
lonur.,n,' (,), ml&/ll IIIlVI \11II<I mlJ.
l.ndhl~ '\I11"118CIl"'"
10'''nllllll '''11I TrIMI' win
, vr~I<" ""' ....4 I~ 'bit npert.
PAGt: 1
RlJlik(ll)
R 8 0.. ~
l>al,.I)"LSt1
l'AI'ERS
Hotl..
I'ME
HiTl.It.t: S^"r.S SI:ANllAI. cl)STS ~:no;cllT/ V~oS ,fullS
St, Petu'.bura Tlllu (PE) , TUESU^Y ('OC1"III",r 111, 1'19'1
Ily: Dt:H 1st: BH nil N1IH;
Edition: CITY Sl'.'tlon: NATllINAI. 1>"1\0: lA
Word Count: 8'H,
TUT:
Metropoll tun Ll fe J nsuran,. Co, hun IIIIII,'UII,'.<I
peuonal Insuran':. op..r,1t lonl, I'ormlnat Inll severlll
T41l1pa erell Rnd two t'roDl It. N.", York he,\II'1u/lrtllfll.
a IIIRj or. .hokllup ot Its
top e~8cutlv.. trom lhe
The compAny also "lld It wouhl PRY rnltltutlon to anyone who WIlO ,II. led
Into pureh.llnl whol.,li(e polleleo becaus. oC unapproved sIlIAa tactic. and
..aterlals, Charlos Sahner, 0 compRny spokos'l"n, 'jnl<l Honday 0 The
re.l'llutlon progt'R" IlI/!Y cost tho company $~O'D1l1l1on to $30-1I11110n 811d
could atfect u many". 1,5,000 pollcyholdol'lJ, S/lhner Solid.
Th. deepenlnl sCRndol olBo h/la louched lludy Hldlnud, " Tllmp" /lI'OS budne""
and civic leRdor /lnd the fOl'm.1' ol'ti"cl'oln-charll. of H.n:l.ite's Tampa
rel\lond oftlce, The cOllpony anid it will se"k undloelollod ""financl",l
sanctions" allaln.t Hichillld, who retlrrlLl In Juno 1992,
Hlchaud, who could not bo reRd,.d fol' "'\lNIent, Is crodlted with bringinp;
Met.l.lfe's r.glon,ll hoad'lual't"rs to TJlIllI'Il mol'e th:\ll )() YOlltS .I!lO, Un<ler hi.
supervision the officf.' Ill''''' to uno of t.ho mOBI' I'l'odll,'tlvp In company
hhtol'Y, 1'l'od\lcln~, up to R t.hlrd of H.,tl.lf"',, p"I':lOnnl Insurllllr., solos hy
mork.tln... pI'o,hll:ts thl'ou(l.houl. till' ,'ounlry. IIOt. just III norldll,
But l,lHt y"nr Tmnpll'a lti!;I,r.lllt Oill":i offl"l' utllllllO clrllwfny, ,)ttf.'lltfon
/lnd lllwllults for "Il,'p.,'dly H..IIIllf, who)" .111'.' 111II"r,llll:. to ll"l...~ Illulother
health proh,..lollill. with "Rl... 111'0<:111'1""" III III s..rlpth thJlt pl'l'll"nt,'d th..
lnsurnnco HA n rl~t irtlmnnl htlvlng.'J l11vflBtIlUllll.
HAUY conRldllr R\1I.'.h f.n!Hlr.uwc 1\ pOOL" lOlJtll'ltll'l('l\t in'lefitrlh'nt, Pe()ple who
c".h In ",hol.-Ufe p"liclen Rft,'r " .hort tlllle (If tell fllld relllted OXPUWIlS
h"vo consllmo<l tho 1 r 11l01WY.
Now II COlIlJllittoo of re/.\IIl III OtB t rom II nlunher of at,otcB, IncludIng
Flor1<lo, iB lllve.t.lp,atlll!!, H,.tUre, tho nnlon'lI largost p"uonal lnaurer,
l'ha eOIDpany "Iso he.... nUlllol'''us <:Lvii B'litS, It hRs p"ld $II'Dlllllon in
refund. to 5,850 of th. 15,000 hol,l.r" of tho wholo.l \[0 pollcles ln
qu..tlon Bold throul\h the TRlDpa ornc",
Tho neW I'8stltutlon program wonl,l ho In 1l.ldltl,otl to tho rnhll,"a, 51lhncr
add, Dot41h ",ron't w')r~od out yot be':lllls. Il would Involvll cooperation
from reBu14tora in Reverlll .tates, Including FlorIda Rnd Now York, he saldo
Hnt!.lf.. Chalrmllll lIarl'Y Po KAlllon 8.lld Ill" prepllrocl Ht,ltnmnnt Hond.y, ""I
8lnc.rely uBret thRI III this CJlB. We llllvo lIut mot tho Hllllld.lrd~ we "lit for
(el 1993 Sfo 1'F.n:RSBURG TIMES
PAGE 2
our..lv.., alll' 1 e"tand tu <>ur VollcyhoLd.rll And cu.to....r. .n a\lololY an4 a
pled.. thit w. wLL 1 IIAI<a ..vel'y a!'tort to 'I"ure th.t thLa Ilu". not happen
'Ialn, "
· .You coul.!
Newaday In an
a"acutlv.. to
oarried out,
lilY the cOllpany 1. a Littl. toq nu.ting," 1(.II.n
Intorvl."" rehrrlng to lnddenta In ",hlch /ludltou
Mtop certain practices, IInd ,wllu,.cd that thll ord.u
tllld
told
were
In recant JDonthll at J.oast 2Q ullecutlves /lnll 11'111111\01'. In .'lorld.,
P.nnaylvanla and TellBl hdve been terlllnatad for Incorrect sl11es tactlc'l
Sahner confirll.d, adding that h. did not havo tot/ll nUJIlbeu of dL
torlllnatlons and ru.llI,nBtlona reBulllng frOl. the sCAndal 0
NevllrtheL..., Honday's termllllltlon !lst 1110'\10 roAds like a Wh,)'. Who of
HetLlte lIarketeu, f'rOl' the top down:
Richard Haur"r, lien lor vlco pronldenl of pOl!;OIlill I 111111 I'an"" , W,\II tho No,
2 p..rson In ch;ll'(I,o nf the unl', Indlroclly "vnrll"olny, 11,000 af,"n!.1I
nationlo/lde throuf,h flvn ""otflc..L'..,ln.ch,.rp,.o" 1l1cLlldlnp, Hlchlllldo It"
reported to .1I0cullvo Vl':ll pr".ld"llt R<>ben Crlmmlnll In the ~Ielo/ York
headquarters, HstUro 11011,1 H,\lIror Io/rnr" to nnlldll ,'x"clltivo.'\ to hlllt the
practlcss that ultlmatl'ly got Hot\olfu III trouhlo. l.Ilftt Io/"el<. Hallr.r'll
po.lelon 10111. "lImlnat"d, IInd ho I'l'l',J n'il with :;,"'!'tn,",o 1'"'1, 5\1,,:1,1' ollldo
Arthut L. Spoctor, vi".. pl'o.id,,"!. In ch"l'~" of Hetl.lfll'll porsonal
In.urance/advanced 11\,' rkut /I 1I111 t , L'I'I">1" ''II to M,," r" I 0 H.oll.l 10 III it 111 Ll Y
dlacl(lllllod hi.. t'H d,'volol,lllr, nnd IlIstrlhlltll'B mllrkotllly, IInil trlllnlng
mat..r lal8 that targl.' t"d Ill,lrsu~,
Jlll.OS 1(0 1I1gl\lns, Willi... f:. I.lItI',l nlld G,IrY VOITll 101"1'0 'Mr\<.eelng
.xecutlvoa 1n the Southern region, nvoruHtdng Hrld t:rnlnlng JDIlTlllgorn.
O..nnll Schneldor, TlllllplL ro~.10n,11 sal,," '""""r,ur, suporvlslI" bay srea
HetLlfo offlcos, in('lll,Jln~ Ta,.p'"
Oanlal ""lUck" Urso, hranch "/Hlager of th.' 1"11111'11 .listrlct office, had
bean relieved of hIll IUllll/lgl!lIIcnt duties III Octol",1' but Was formally
terlllnated Hondayo In rOCllnl yoars ho Ilnd hill HiliI.'II rOpl'l'5entatlve. ware
haLled as HetLIf..'s top 110 lillI'S , Uno could not bo I'<.",'hod for Clll1llllSnt
Hondnyo 110 hll. IBid, howllver, thilt h. hall don. nothing wrong,
Els"wh.re, HfttLlfe has ennOllnco,( nl IOMt 10 II r iHI!" or r<\lIlgllat lonn,
nln.. In it. western !'ennllyl""nlll offloon, Io/horo IIp,,'ntll Illlegedly
""churned" pollcles tt'ndlJlg ""'lmn"r:;' olil polk 10" 101' Jllllo/ ones Ihllt
usually resultod In n LOll" of valu."
Hetl.iI'll said Hondny It Ie contloLlztng It II monlt'}l'lllp, 5Ylltolnll .n that
.uch tootlcs wlluld Imlllcdlntely cOlDe to thll ;ltll!!l! Illll of Knmon, the
cOllpllny's chdrmnn, The cOlnl'nn! ,,100 1.11 8stnbllo,hl.llP, n Illl.';l n.)'.!) I,rlletloes
cOlI.mittu! lUltt 4 corpOrnll' l.lth1('u And (~()lllpl L,tnl"J ~~(ltlllnJ ttoe,
Severnl stille aUlllll"Y" p,"llOral, lndlld1111'\ thone III New Y'lTk nlld
(C) 19'J.l ~1'0 Pb'l'l':RSRIIllG 'rIHES
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EXHIBIT >>E>>
"AOE 1
Rlll,k (II)
R 2 ~ ,)10' Il
DnlBballf..1
PAI'Ek:i
Modu
PAGf.
fl....t. Au I{,>lllllp. III Metl.it. t.II,"P""Y pi/III" t,> 1'I'''I1Y IIIIIlle<l "11'"''''''1'''
Nellsd8Y (ND) , 'I''''''''',IY O",,"'iIIbur 16, l'I'J1
By: Susun lIanl/;II" ""'! GlellJl 1(,,11111,,1', STAFF IoIR['l'F.k::
Edition: NASSAU A.~() SdFFO!.1( S.'ctlon: I\U"ltIF.SS PII!',..: ?l
Word Count: ll:,
n:XT:
In an effort tLl put II lIrowfnf. II<'II"dlll behind II, Hut.l'op,,)llt/l1l loife
Inauuncq Co. yostordllY Illlnou,,,,,," ttH' t I,tlnll, ru'dgndtlan or rottteraent Lll
.even L!Xl!cutl\'"I a rc~tltutl.un effurt for pollcyholdl'rli t,hiH l:ull1f.1 COlt aN
lI\Jch a8 $10 ,.11\1011 /In,1 <l IIOW co'""lll1n.,,, "r"grma t.o monitor IIp,''nt,,,
In an int.erview, flarry 1', l</llDen, Metl.lf,,'. chlllrlDall Illld chief
executlv", descrlbod how the COl1pl\llY l\IId Igllon,,1 w<lrnlng sip,n8 of unuthicllI
prodlcca th/lt he a"ld hel!.lIn 1,\1 1111 Tllmpll oftl('o /lnd "IHe,\,\ ,'lltewhore,
You could any thtt l..~ompilllY 16 .1 llltlo ton tnlHt"Lllg," ho fi.:aLd. r(!t"orrlng to
IncLdonts 1n which lludltoru told e:<ocllr:lvnH to S(l)jl l'crt"oin prill:tLctlli, IJ(Hj
assumed that the orderll Wore cilrrll!.ll..t Otlt. III fllW InHt"llnc~, hll lald,
auditors at the Cl)mpilny's h()m~ offlc(.\ lJlll~OVOIIJll IH'Il,'tlcofi in T.lInpn tho"tf.
wero COllnt~r to M.,tl.lfe polkyo Although the Pl'oblorn:l lIor,' rL'p'll.te<! lo tho
llppt.'opr14te o:H!l~\JtiveD, no net ion W;IU L.lklll\,
Slit, sald t<.1m('lll UWl.! Know what Wi'llt \/n:lIl1g, Wf"VO Ld\l'rl l'UITl1i'l'iVl' actLQUt
We wnnt to go for-will'll."
'l'htl ':OIDPIlIlY iH \llld(lr Invll!lt.ly'.\tloJ\ III ;l 1l11J1l.II~r uJ :;!:Ilte..-J lllClutlluPt No\..,
York, Fluridl), 'f1':<Hfi IIlld ll(,JlI\~lylvjJniil for Ih'tl.'/Itjc~", Invludi/lll, IIInLli.nglJ to
HurRell th"f dlllgqllipoI WILOlp lit" In~lllnllll'11 il'; Plll'ply (\ rl,',ll:t'lIlt'nt
Inve'itIUt~nt, Hnny llxpl'rt[j l,"UII:Jldl'r ill."llrnIWI' .\ POl)l" f.nvluitml'_nt f.Ol'
ret:lrcwC'nt. People who l'Jlsl1 who 1.(1 I.l1'll f'tllll'l('~, III .,ft,'!. il ';hnt.t t:l.mo often
find that expenses h..v., COllsllJncd all th,' I r I'nnh,
Stute )'llglilaf.(H-fI lJ[lpL1WIl'd MntLifll'H Ill.'t 11)1\.~J hilt .'i.11d thoy would
contlnue their lnV(,9tlBll.tl()n~L 'IWl"ttl f!n(:oljr"II',t~d hy ,,-,hilt We IhLlil~ Ls II
comprehensIve npproach to tho p~ohlom," '''lid l<l!vlll f'nlllY, deputy
aupcrlntelldont of Now Yo~k'" l"sur,ll\cl! O"pAn..e"l, But ha Ildded thAt lhe
department would <,o"tlnu" lo p\'l/he till' iIIil'Iol', ;HId If \,. l",.slble Ihat
H.tl.lfe will fs,'" dlsdpllllAry oct Ion or I'l,,,,. III thL' lutllre.
.'oley also ~j\ld the dfJpnrflJl(lnt. hAn hlP.glJn to lnvl'.'it.igiltu other LnsururR,
I\e a/lld he expects till> probe to unCOVel' I1lmllar prflhluma et othor
compAnics 0
1'he hlpJlL'sI'l'illlkfng ~x.I'\l1 Iv.
Wa9 Richard H, Mauror, tho No 0
operation, who 1)55cr\\'fol),y oversllw
WhOS(1 dnp.lrtlH'C' WlHI lHltlouru:vd
2 pOI'Sflll In Hot.J.lfll'n personlll
the compa"y's 13,000 agellts,
yesterday
i n,SlIranee
Other
Spec tor,
(l)(ccutiVOlJ whose UflpiHturc.ti 'W(Hf! iUlIlflunClfU ltl(~l\.ldt'd Arthur {.,
/I vlco pr..fd,'nt In tho New York hOIl'" oflleo, /lnd [)"llf,,1 "Rick"
(e) \')'11 NE\lSDAY [tIC.
PAlIr. 1
Rank(N)
R l~ OF n
DAtllh..""
l'APf:I{S
Hod.
PAO~
"~Or un Drop. ':KO"" Ami.! l'l'uh"..
InAllranc.: \/hlh .tHull Inv.."t illlltu po."lhlu l'lhlcN vlnllltinnA, fir.. .otll
up 1 lIultlilllllon',lnllllr l'"allllll,lllll 1I!tlln 1'111' p<,llcyhllldou,
1.01 Angel'lI 'fI1I"1I (/.'1') - 1'lI~:Sl)AY Decolllher 2K, 19'/1
By: SUSAN IIARRIGAN; GI.ENN l<ESSU:R; Nt:IISIJAY
t:<lltlon: 11011I" F.dltl,," Slid!.)n: RUllln",," P,I//,'o;') I't.. 0 Colo ),
Story Type: \lIre
\lord Cnunt; ~3"
n~'\'r:
Nf:W YORl< . In on ,'('[or! Lll PUL I) gr.(Jwlnl\ ,...0111<11)1 b"hlnd It,
Hetropolitnn !.lfe llihlll'llllCl' ,:n, ..n HOlliday IlIlJHlllne,,<I th.. flrllll\, l'l'"llIlllltlon
or utirelllont of .oven "'''':111 I V,,", II rllllt Itlltlon uflort for pullcyhuldoro
thAt could cost IltJ IUlh."h i\li $'lO 11I111.1011 ilIHt ii IlllW l:l)lJlpl1^n~e pr~)grnm to
monitor "8.llt.~,
In nn intorvi.v, ILorry 1'0 KlllUlon, Hf;T J.ln:'5 c)",lrmnn 1111<1 chief
oxocutive, deacl'lh,d how th., t:nllipllllY IHld ignnn"l wllrnlllg .II',IIS ,)f lnwthielll
practlc.. thst h. .ni.1 began In I,to TalU)ln, n"" oHieo nnd ')11''''1<\
ol..whoro.
You could lay Iha \.'ompMlY 111 II lit l11' Ion tnHlthl~'., It ho H.lld, rt:tfQr,,'lng
to Incidents 11l which ","!ltorll t.,l<l ""OCUt.[VUIl to Ill'op r,..rtllln pl'/ICUCOIl
and Alulum.d thllt the nnh'l'8 we).'(\ ~llrrtfld 'lut. In Oil,", 1rWtltl\CI', t\ll said,
audLtor. 'It the l~nIDpun'y'li h':ltnll ()fftl~ll l.lnl.'()v~ll'f1d pL'/ll!tl,'p~ in Tampa that
were countt.r to HET Lln: pollcyo AlthoulI,h tho probll!lUll weto I'eportod to
the apprQprlnte exolutLVcR, no act!I)I\ Wl16 ti,k~n.
But, Raid KllInon, "Wll know wh.'ll WflUl. wrung, We'vo tnkt.!t\ l'orrectLve
actlonj \r{tI want to go fllrWl\rd,"
The e(lIl1pnllY is ulldllr InVostll~,1t 1,," III ,I lIumh,'r of "!.In.., -IncludIng New
York, Florld01, T"xolI ;111,1 l'ol\lluylv.1I1I.I' ,tor ;'l'tlvlllu. 811Ch;1II ..nUlng8 to
nurses t1H1t dLagul.ljod ",holl! if fr L n,'tll r;Hll-' It 'Hi P'll't" 'I a reth'l.'rnl'nt
InVOl1tIDt'ut. Many expf>rltj cllll"ittur fH!iUIIlI\i'''I~ it pl)!)r LU'JOstnaolll for
rotlrl'mollt, People who l'Il,;h whol" J If. pnlldo,; 11\ ,,11:01' a .n,,, t time of tAli
flnd t.hat (~xp')tlSeH hl\VCl t'oIHil.UlIfld Ill) rtllll r (:.l!lh.
Stlltu r\!gulutlJI'H ~lppLllH.1ed MKI' 1.1Ff: 's Ilf'tlol\u hilt sn.ld lht.y wlll
continu... tht.llr If\VflRllgl1tJons. HWI_~ll.l' Plh'nqrilg(ld hy wll.lt W~ thin\.' if! n
comprohcllslv" "PIllOII.'h to th., probJcI'I, h I1/1ld l<cvln r"lcy, d.puty
auperltltendont of New York' 1\ In.ur,H\.,o l)l'Pllrt ment. llut ho adder! thM the
department 101111 contInuo to lnve,.tlp,Ill,1l tI\I' mo1tter, /lnd It Is pOAlllbl.. th,lt
MET l.IFE will tnco dlllcll'l1nnry nction "I' flnos In tho futuro 0
Foley n180 Bnld th.. ,l.'pnrtmollt hilA b"/r,un t.o Inve8tlgato '1th,,1' in.uron.
III! salr! ho ""poet. [0 IlIlCOVO!t 81111111' problem. ,It other compM..I.,,\'
(C) 1990\ r.os ANGf:l.F.S TIMES
PAllE 2
The ~llh.at.'l'Ml\tJlIg eXIlh'lltlv~ ...hO!iU dltl'lll"urlJ w,u .nnolJllll.'d ,"10I!dIIY was
RLch.rd H, H....l'Or. the No, J poruon In H~:'I' I,IFI( '1/ plr.ontl Inullr"licu
oper.tLon, who euonti,llly OVerllljW th" ""IllIJ/IIIY'" 11,OQQ ..ent'I,
OthOlr exoc...tLvolI wh""Ol <I"pann...'" W"IO IIJln'/lln""11 Lnclude ,\.lh"r 1.0
Spector. . vice prtl"l,lcnt In th.. New Vllrk h,"." oll'l<:u. .nd lJ'lJliol (Hick)
l)r.o. the forlller <ll"II'I,:t ""l.,, llI.uu'g,'r In '('"mpllo t'lol'ld. Invotlt I,l\atorli
have nald that 20 millIon fliJwo,l 'iJI,,~ ["uur,' "lor. /iont Ollt of that otficft
alone,
The oOllpllny had ""l'llCI' "nnolll\C~d Ihu flrlugR or r..ell\n"tlol\/II "f a
1l\1IIlb"r of other lIIanllll""". e.ped..Uy In It.. wut.rn I'cnnsylvlIllllI operatIon.
where alent. h..v. beon "",'usod of urgIng cuutolllor. 1'0 trade In old pullolas
for new on.. In order tl) genllrate cOIIIlIIs.fnn.,
l<8lIen said H~;ol' 1.1f'f: will work with utllte insuranco d.p"nlllent.a to
aet up a rest Itut ion prop,ralll for . ..ny policyho [der who was ..i III <lc\ or
deceived Lnto buyIng a Ilf<l Insurllnen policy on the basIs of
unappJ:oved aU lea literatllreo. HEt l.lf'F. axpecla up to l8,OOO people to
take advantage of the offal', I1t 11 coat of lip to $10 IBlllion,
Tho compuny'. new eomplian"" program alma t,) convert whilt Kllmlln
described AI a frllp,m8l1tll.t IBOllltorillg "yuteln int.u ono that I. centra!lzed
and .ccountanlo to the "halr,,".\' H~:T LIFF. ani<l It, ..IRn pllllill tn start a
companywlda Iralnlng program lnr "gentu, Currently. trllll1lng III dona
10c"lly,
lJESCRIPtORS: H~:1'HOI'Ol,ITAN ('IFE INSURANCE COMl'MIY; EXr':CUTIVE::, R~':SIGNATl()NS
R~:TIRHmNT; IJISMrSSAIS
Gopyrlp,ht (c) 19'13, TI,"~" MIrror COllpl111'y
(C) 1993 I~S ANGELES TIMES
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PAG! 1
~/lllkOI)
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Oatabue
PAPF.RS
Hod.
PAC~
HKTIIOI'I/I,1'I'"N 1,1 n: IIUHPS ~:XI':CS, \l11.L. o~n:R L.I n; l'OLlCY IU;nmOs
N.w OrluIl8 'r!""a lllcnY"llfl (NO) . onJr.SOAY, Oecel1lber 28, 1993
/)YI ItOSf:t\AIIY Hl!:1'ZI..:~ IAVAN New Y,)rk DaLly New.
J.dHlolI: TIIIRO SoctLl)n: HUNEY Palle: DIO
Word COllllt: )98
rr.)(T:
Nl!W YOIlI( Hot I.I!,v "/lLd HUllday thllt, al,x eXllclIl.lvlIa,
lIanltlled ,.,"ployn'I/' rC"l'olwlhl.' fM <Il'lHlIlIIlrlillLolI ot
brochIJr8t1, WtlrU nhowll r h", (Iool" ,
who dlHtrlbute<l or
IIL61va<llll~ nlll.a
H.tropol1t.,11 I.lfo r"',lll'illll''' CI)" the
laid it oxpllndod itu rllll/llnll'lJOm"lIt
I'urch..slllll llfo illflllr'llll'lI pollde. thuy
nM,lon'," IlIrgust llfe Ir,surllr, dSD
plan to IIny individlllll ml81ud In\o
belloved wcre ntln"nont plans.
COllpany "I'D~U8111I\l1 Chllrllla Snhnor uLd t.ho Inallrllr will work wLth regulatou
over tho flll"t ellW wlIuk. t,) t I".h Qut d" tulln of the roat !tUI Lon phn.
Conl'JJlol'a lOLl I thell hllvo Ih,talln 011 how to get rofundlo
H.t I..lfu previously offer..d to refund money to cu.tomllrs who bought
Ilollei.. thl'oupoh lln rlll"I"1 oHlco, orIginally thought to be the lIIajor
,oures or the Ia1Hlu,"llnl\ lnfonnntion,
Jlut the cOlltr"v"l'ftY h." wl.l,",od .uhHtllnrtolly, IInd now Hot LIfo's sallIS
p""lI!:I,:". IInd mlll",l/lls II...' undor IlIvestlg/ltioll 111 at lenst B states
Including N..w York, New .Jol'H"y, Gal1forllla, Texan, Ponnsylvania and
"Iorld.., whidl han 1I~,p,t't'ulvoly pUl'""od the matter,
Hol /.lIe hs. IIcl<.\OJwl.d!,..<i thllt 901no IndivIdual nnd ",Mll bURine..
polIcIes wor. Improperly .old,
1ho company In.uod II .tlltem,,"t lot" Monday, whIch ...ld It wIll contInuo
to w,lrk with rOIl"liltorB to ost.llbUlIh, "0 proRrn'D ,If restltutioll for 411Y
'''IHtnm'l\' who Wlllt mlnh.d Int" tho purchallo of 'Iwholl' l1!e pollcyo"
Ttu' IIHIUr(!r Is n!Orgllntzlnp, llll ~()ntrovl'rnLi11 persfHlill I,LlIl!fi o[
\)u.lnoHH, whIch ha... <III L'SI:LI1lIlI.C,j ~() mLlILon polLdo6 and tl", SOllre" I1f it"
WOIIIS .
'I'h., top Hot "Cnd.1 tl1...,'d "ut M"'lIdoy WillI 1'1"10 York-bA/lId .'JIllor vIce
proAi<i"lIt klchlll'd MIIII.."r, wll" failoll to st.op hi.. .lp,onta from dlstrllllltll'r.
the qlw'i11onllhlLl 01,111'1'101., c."nprlny oJlfd,1b I;/lld.
Mauror'. ~300,OOO.plll.
RII'Vii nu\c0 'MY. "11,1 trll'd
on. Me t. ",)Uren.
}Joultlnll '.Inti o11mltl,H:lHl and hI' '..Ill rN~L'lvll
to nlup ttlLn, \)\It Just wasn't .uccP~bftl1'1>> anid
Arthur Sportol', a vicp pro~id~nt [or poroondl inSl.lfanr. bu"cd III New
York, 111110 waa lot go.
(C) 1993 TIHES PICAYUNE
PAOli 1
IIAnk(R)
II 7 Of 8
n..t..ba.e
l'Al't:ltS
H,)d.
PAm;
HJ:Tl.ln: HAY Rf.FIJNO $)0 MIl.LION TO Cl.if:NfS 1l~:l'OI('f SAYS c;USrOHt:RS MISU:O ON
INSURANCE POLIClf.S
San Fr.nd.co EXAmIner (t:X) . l'uo".t/IY, neeelllher ~ll, 19'JJ
By: ROIOIIl.ry Hetzler !..WIIII Nt:W Yuill< IU.JI.Y Nt:W:;
EdItIon: FOURTII Suction: BUSINESS l'af,lI: III
Word COl.lnt: 361
TUT:
NF.W YOlO(
...ploy..
.hown the
Het. I.L(':l tillll' thlll IIlx "1~llf'1I1IvI11). 'WllO ,U.trlbl,lt'HI 0" IDIU)UgL'rj
l'eRl'on"lhll' ""1' ,lh''''lIIlnMion of IIII,dllo1dlllg sale. hL'()ct"lruo~, Wel'e
door,
Metropolit.an LIf. I "8"1'11Ii"" Co., thll
add It oxpllnd.d Its l'l'lmb\lr."lIlUnt
purchasIng lICe ins"rllll':U poll" Lcu they
New York TLlles r<'portell tholt. liS milch
thousand. of "ustllmer." 0
'hll ion'" I.'r,f,est Hr., inuurar, IILoo
1'10111 to /IllY IndLvidu.ll IDloled Int<l
holl,'v",l 101"'"" utlre,.."t pLans 0 Tho
,,0 $10 mIllIon could be ref"nded to
Het LIfo spokeom,m
r.guhlors over the
I' lsn 0 Con.\UJIQ rs wi lL
chllrl." SlIllI\or saI,1 tho In'llll'flr wlll work wl,th stllte
IwXt row woek. to neoh 0111' dl.talls of the reotLtution
tlhln IlIIv" dl!tlllls on how to ~,ct rofunda,
Hpt LIfe pl'uviolloLy offered to
pOlld"s throu"h Its T'"lp/1 otf Ico,
.ourc. of the ..1. Load I ng Intormot Lon,
refund 1Il0111'Y to customera who bought
orIginally thought to be tho lIajor
But the controver'sy has widened sllbstalltially, 'lllll now Het (.Lte'. sale.
proctlces .nd IIIstorlilla nre unllor Involligat Lon Ln at I"nst I~ at.te.
includIng New York, New J,.l'.ey, Cnllfornla, ToxM, Pennsylvania and
florida, which has ngjl,res.Lvely pursued tho rulltt"r.
Het 10Lte hes lI"knowludg..d thlll som,' IndIvidual and 111.1111 busLness
polldo" wure Lmproperly .old 0
Hot I.Lte h.ued II "tatUIn""t IlIte Monday, whL.-I, Neild It 1011.11 conl:lnlle to
work ..ith regulator/l to estnbll.h, "a pru~,r/lm of restItution for .1lIY
cu.tomer who WllS mLal..,1 I.ntn thl! plll'"hsIIl' of n whol" lLfe polley,"
The IlIBuror is rool'r,nnlzlnf, It. "'lllll<lV,'r"iaL portion:d !In.. of
busLn".., which hila i1n ..tLmllted lO mll\.loll pO''''l.,s nnd tho o,OIll'e,' (\f I.t"
1010810
Tho top tot"t oU ielol 1',,":0,,1 Ollt HOI1,I,lY wa,; N.,.., York.baa,.1 "ollLn' vLco
prosidollt Ilichard Kn'll'.'r, who fanod to /Jtop hI." neente from dlnlrLhulLlI/I,
the qllostlonahle 'nIItol'lalo, co'.pany otfL"lal. 0/11,1,
Haurer's ~100,OOO'pl1J'
soverance pay, "lie tried
olle Het sourcs,
position loins ol1mll\/lt,.d .nd II.. loll Ll receive
to st'IP tlll.rl, but just W,1sn't BU""I!s8ful," snLd
(C) 19'11 SAN f'RANCUCO ElWIINER
r^GF. 1
RAnIlCK)
R I nt' h
lJal,ahA$'
rTs ' I'Ro'H
MI,rJu
~^GF.
~x.c. Ouatad In Hat Sh"lluup Altar rrohu
N.tlonal Und.rwritur Lito /, ll"allh
ISSN: 0893.8202
Del'omher 1/, 1'/'11
po I
ay CYNTHIA CROSSON
I H.tropolitlln l.lfe In8. Co. hllo unnoulI,'.d n mllJor .h.keup ot' Its
p'rlllnal insuranc. d.p"l'llunt .,\11 other "ompllny "Cotlons III the wak. of an
IlIterne! invo"tiglltlon 1111.0 th.. .alel prlll,!:lc"" of 11.1 Tampa, t'l.o ..10"
office .nd other 0111cen.
nIt dltilde!: naleo mllllllgor who lwadlHI Met'/1 Tllmpll e.1e" otflu, two
lIan.ger. to wholD ho roport.ed, their aupcrvlsor, Ill.othflf regional oftlc1nl
and the hud of the comp.my' $ peraonlll Inaurane,. IIdvllllcud market. group In
the N.w York homo 0 fflca hav. he(Jn' 1'0 II eved of th.lr dut lu' snd lire
leaVing the company, necordh.g to II rOlllll"" 0 A lIev"lIth exoclltlve, .180 In
the hOlle office, is 1"lIving hoc"'"1O hi. pllllitloll hllll ho.n 81lmlnl\tod, allld
M.t spokoRpeuolI Chllrl,," SlIhnllr.
'The'8 par.armel /wtlonu hflV(l hl'I'n t.,I~oJl In urd.r tl.l utl'(tAS thn
..rlousnue with which we vim" thH" ,:;",,,'s .,nd I,,) gIve us the opportllnl.ty
to pIck n~w 1eaderahlp to InRU"ut" 111" n"w "'ontr,>1 pI'OCedu\'<i; to which tho
coap4ny la 110101 cOIlll1llt!:od,' ..Il,1 Hol CllillnMn ,11101 clllof r.xe"'Il, 1'10 Offlcol'
lIarry I', Kam"n,
One key executive hft III plllco 1'; l-:xochl'lvo Vlc,< PresIdent Boh
Crllllllllns, who heads the po raon~ I 1 nRUrall<:e dl'pn nmont. \oIhon askod Ilbout
that, Mro Sahner allld that at the level of executive vice president lDeny
duties ar. delesated.
II. .dded that HI' 0 Cr immlns 'haa our confldence 11Ilt!
by the fhld force, No ono Is beltor ablu to
Insurance,' Hr, Sahner sa1<l, .ddlng that there
centrallzed control t.han there was in tho pllst 0
The shakeup claImed two people In Het's New Yorl< hOlDe offlce; Richard
Maurer, unlor vice pr..ld.nt of eLlrell1' IIB.ncy operations, and Arthur I..
Spector, vice president of personal Insuranco, advnnc.d market.s.
Mro Haurer Is leaving the company, bocauae hIs joh haa heen eUminet.d,
Hr, Bahner ealdo Het'. fIve terrItorial officeI'll will now report dIrectly
to Hr, Crillllllns Instesd of Mro Maurer 0
HI', Maurer I. a 'hardworkIng, honorable mlln, and this doesn't reflect
011 hllll, but the leellllg In persollal insurance Is that new 18adershlp is
n.eded and a new ton. needs to be set 0 '
I/lth regard to Mro Spector, Ket. hlld acknowledged In In enrtler report
that he had approved the publlcatlon of 10,000 sllles brochurea without
proplr uuthorl~ation. (Sce NU, December 13, pngo I.)
Reporting to Hl'o Crlml.ln. will b" Senior VIce l'rellldent ,John Twe.dh,
who hl1l b..n mad. re.ponlllblo for nil othor pernollnl II\SUrllnce op,'rntlons,
including .ales trllinlng and promotion, eompll./lll"c, \lIldel'wrltlllg ll11d field
elllllpun'ltlon, Mr. S.hner naldo
Others leaving tho COlllpllny include Oanl..,1 'Rick' Ur.o, n top 8AI.~m,11\
at on.. tlmll and th,' hrllnch lllo1l\lll\l1I' of Mool 'u '1'.11111'" "lstrlct ot/lce lll.tll he
WLlS replllced In N,)v",niJor, fie 1011\<1 't,'.....I.lfll...d' on Ill,,,, 27,19'11, Mr, Sahn.r
(C) I')q'\ IN''OlUlATl()~ ACCf:SS CO,
i. rev. red and loved
reQrgllnlz. per.onal
will be tIluch 1II0re
IWi!: 2
.al.l, b.,Cilll.., '101. hol.! hi" lnOI"'Il.lhln' toll tho .ill,'. todlllf'l".. that w..r.
u..d In the Tampa offIce,
'Thllt off1eo uzit.'cl pre-apJJL'o,ll('h lill1uIJ lltl'L"lltllrll 1111,1 sHIllr.. pL'lIfrlc..~f1.
",hldl plllcod Iflopprllprlntu lIf1d '1llIDoL I"". ,'xci 'w iVII e"ph..I. Ofl thu
rotlrulD.nt I'lilllnlfll\ ''''P"Cts of lifo !flllur/lnl'. ilnll dId flllt Illway. IllUko It
delli' thilt th. prll.!",'1 helng /lold WilS .. wholll II t. pol icy,' Hr. Snhnol'
..ld, adlUni th..l. 'th" Urs,) "'BY oe dulnv, bUlliflos. III flot HotLltu'. woy ot
dolllg bUIJ In... 0 '
Hro I1r.o o..ld, hllwov"r, t1\1ll It\ll WilY ho .!I,I hUIllnuHI Wnt' ill fact H.t's
",ay, II. .111.1 In.. tol"l'hllll" Inl."lvi"w thilt Ihl' ,;illoo mst,,,rlill Iw "..d 101,18
(.~un!ll.t.nt ',11th IIl/Hor-lnt \ltilHi I.hrou",htHH thu l~Qlllpuny anrl hls t rainlllg Wi11J
..Iso cOflsht.nl Wilh H"l lrilllllnp"
'Met Cnl'p~HIlf.11 tW:hlll'lllrt lll'fj klww ll:</lCt. Ly whd( \!ill weru ,Ill' L llll~
\If" tu)!Ll it,' till filllll, iltldLnp, hn II.Hi lWf!u nlll'llt lip tu now hUCfiIJlH1
explJctlng thilt. H..t 'w""I.! "tilllll up IInd <lef.ond thlllllll"lve..'
Hr. Ur~h) :;nld lw Illl/l 1I0lhlllg to ap()logL~tJ for ill HI thnt Ilhsol\ltuly tlO
Olh' WIIS drcolv1Jd, 'Mnt held IJItj \lp IllI Jl 1.011' IIll)dl'L fOL' "II 1n;\lIl1gpru lit
Het1.1ttl,' hu Raid, .lddlll~ 'lhny hud In" .1,<1 nr'HIlId l'ho I.WUlItl'y III t'nlldll,~t
trninllle, '
In bJnklllg it>> 1I11111)llIlO'Ill"IlI, HI.l jllnll ~i"I" II
with llll;illr4nc,t n,It',IIIo"'()j"Y .lllllplrill"li f~) 1':llHhll~ih "
't'ol' 11tly l:U.stOlnf'r who WiI.'j udl:dl'd Illtl) 11\1' PIII,-III".'i"
in Ct)JlJ\octlon wlrh rtw lIHI' oj lIn,lllfllorl:!.lld .'1111f'~'
BaldH prlll~tlcl'~"
Hot hUH alrl~lldy pilld out "lll.Hlt
flgur.. could t.rlple, MI', ~i,lllI"'1' <l1l1,1.
In lldJit1ol\, Hot naid LL LA r'1<<,tling lip U Ih~W llllllnlll'cd COmpliilrlCf'
program, which will nff<(L illl of tho, "Omll/IIlY'" "1''' I'll 1.1 I)IIR,
ML Kamen Ilpotogt;lutl (ur thn COlUIH\lly'N IIl'tions. '1 ~,llH'l'rtJl'y regr(lt
thut in thll'l caBU \lie hllVO nol mf;tt lhp. tltLHlIlnrd:i \>1e st~l fr)~ lJunielveA. aud I
extend t,) our poll('Yhol,hlrs '111.1 ,''''"to..,'l'''. 011 IIl'llIllt Ill' H,'t.l.lf,' nnd myself,
..n Ilrology I\nd .. ple'\gl' thlll "'0 wIll 111011<<0 "very "lIon to e""III'O that t.hl,s
does not hllppen Rgllino'
Ao.polls. from II", nurldil
LnvestlgnUuII in COII.lUl\<'ll,OIl with
Mat'a nCllonu, was luutl_'ll,
'Correctl.vo setLon I>y Mot.ropolltllfl /.lh', III light of 11Iforml\t.loll thllt
has heen r(Jvcnled, 1."1 uu l1ppnJprl/1.t.o l"l'SfHH\!\C, , a/lld n 8tlltr.>ml1nl roltllllHld
by Floridll InsulAnco ComlUls/llol\lOL' Tom GilLlo1~,h...., 'I 11m "lI,:ollrl\~,od by thl,s
step, howevol, the Dopt. 15 III tho mlddl" of Il I>rolld,l>l\"od Lnvellt.lgation of
the extent of wl'ol\l\dolllp, hy HET un: Ilnd rill' lnvest.ll',IIt.LlIlI wiLL
pr.oceed to cOlldu.loll, At th'll tIme, thO! 1),.'l't. will dotlll'lnilll! wl;ilt
regulAtory IIct.11I1I 15 j"r;r,iflocl,'
ThA dep.lrtmf.lnt hn,r; alRr) orr.lf.'r{?d Met tll stup paymf'tll of nxr.l~l1tlVt1
compensAtion i\nd 5011~,lj h(lllU!i(l,rj unroll j l. Il(\t:i lip f(','if'rvoS to covur posulblo
fincA and C'Lnlms, ^(~{,~(jrfjll\g to U\lJ orri,'!', t)w 111'/(':lttgilt.ionR 'hnv,. lllr11j\dy
requlrtld 1.1gniflr:'illlt (lXPIHIII{t\It'I'li 1"1(1 i\rl! I!)(P"l'll~d hI l'squlrf.' flllh"tnlll.i.Jl
expt1lulltures In thf! futurl','
Tho dep.'rtm(~I1t. dlrl 1\1)[
wants Mot to Cl.lm(' up wi rh a
SpOkftRWOIDl1n Kllrl'l1 ch.1/1d 11'1'.
Mr. 5nhnp,r HAit1 th.ut Milt Is 'stUllylllg' f.hlt I1l"l\r1)., but he ill.hlvd 't,./P '-'I'd
(I;) 1.'1'1 I IN.'OIUlAT/iI~1 ACCE:i:i (:tl,
and how
ht> kept.
1:1 cousmll I I'd In w"dr.llljl,
proBram 1)1 rl'llllt.I1I!I)fl
IIf . Whll\" Lifo. 1'"I."'y
I Lterlltlll'.... Ill' Impru,"wr
$111l1J1111l1\ tl) C\IHtolll,'r~i,
'"ld fhlll
111~H1raIlCO lh'pilrlIM'rlt.
t hr at. t".nl'lWY gt'IIt1l,ll' H
WlllHHl HPp.lraU!
IIllle", prompted
fi\lQl.1 fy II dlllLu" 1I1l1.1I111t for th,' I (I!-lf1rVt'. hilt
flr,lIn1 (tll\' Ir will .\pprov., fj,l\d dl!}lllrtlnfJll!.
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,,"\IQlI)Ni.~t ,-\I/lio, 11~IY" nQt have. \mdr,. , , 1'1 ,^f' I ~o\
: : fthlc.l<. llhty .w~ta blll'in, in~lJ.tbh~rxmM"'" , 'J \ ' ..
, ~n ll\ten\~\'.b.ai111<<'lnv~IiIl\l~n! r"iI, '\
' And It tlIIY III' boavlly tined by p! ,dll
11::Mm,IIW~I\!iiilllili;!!:fl:\I':il:iW!i,I.:I!:i~lilli; 1~~~a~~;~1~~~'~rfi' ..~i~~"L:,Nft~,.o J:!llli!n!:illl:rIIH~il;:illi~II':I!tlmlllll,il>>JI~IH~nllrII:ft!'illim~ll'J!I:II'lii~I~'III~~IIIIJI~illi~
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alH ~.I,~.::hO!l\ to ~~., " _ d,' ~!l.l)I~l.';,lJlI~fl'Chl~rll:'1 ~;illllli\l:,tl,lhf 'h,t'! I "p~rJ" Omc:",,:
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0'1 :s.V4{i!l.'nlnlriJ 'nr~:lnvititlli;itlllH 1.10.11.,(.', ~IIII'. '",'1'1", "11"~;I1",,,"lIll. .qd r')llc~, (lu',11 h.a,<J~I,p"q~."
., '; ctl,~::nut 1JIlIQ ,..h!~"ftL'(:~ltho'alfJh'lkil a~ llJ\L~I'I'P Ih,\tlhr.Y.J~'lIh,llJ11111t'1t.11,~. "I"'" "~' .,It:. '.,,'0\'
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", nuterneMa .f~nf:)"V"lo'!. ,~IdJ.VI<lu~I\I\' .ohl Ji~r<'J",;", dilil'A }Iu.ht...~., !~.14 ~.ahner,:. ;W.. /;In"'~/l~, 0, 0 ,
',.. h,lUdler(a'jIJl~f!D~O!'1AAiIo~ l!l,tll~,"~'c,'CQ'lIl11L"'lv'n- .dSUnI4, 11IIt YOII ill. .Iwa~ IJqUII~,t,> b~ve,','d'" dl
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.Ii i' 'll1ll'rWlf, \h.~Q\llbVI~~'ililYW"r"'allUOI'I""h~:Z*Ii"A,n!I111Hhl' ~~#I 11' ," UI"~t'~~I' ~
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1:'(' ", . Qt ,I! He ,a b!1~~~. ..'. uudh\. ",!;,~ t....., :1:'1/ I
, 0.11' .;) i/olit" '"f/\'~f olcl'lhe,:rGIilPQ' 7){bU~fi. l"ffirCI bi~,o 0 rk", hli t,
. 'r;' 1r4\~~a ,.thit~'way;. WftS' t(Mllid, Mr' Ot...IIII118 l..J ,1/>b1_"Mt, Mjo, r ~d'19:1\b" ' I I
, ;, . :~,i "~j:lIM"!WIUl~M"lrO~Qhlia&i>"lt1'nl"l.' ,. ,! " "'~::o;; 1~'1AJlilla w~rll;,lIiIrl" ~"~t vi; 'loth.t ~GI ~, a~:
; "1'" lLI...~.1 ,I... ~...t' 1.' .Jt..r.. ....:,. t' .,.,..bt!, !"t'l "Ioor[i;-, J' 'f\'" ,I ~~' ,t ,~~, 'loo"''''"
, '~:Io: .. r'?,,?~~'r.,a,.'I,,,:, ,a,'f~~'Il~nt.clidl1,t.II~~~lv~i~I,lu,,, .. 'r\'I~' '! ';""'.' .":'''v -'",,(~ ;,,: :.~,\,
<,., unr.. . ,...,,'..' " , ..., 0 :\' .,t..." o,,/I,l1IJoII lilll,tluJJjlll.1lld'lJI':' ~ tItH~laUJl. .
, ! 0'- 1~~Mi\o '~9ulil )lave IlOOt! up I/ld. ~..randfd iihf..h~:;" ~'~lthal allO lili/)u;.! ltarollV o/llcllII'utb II ~,l1Ii. '; ,
r. ,I"', ,v,.,.dt-<tndtl! (II, wuy they lr~l!ll'd," btt lIal<L ''!lu,t"t~l~ .n'II1111Ia' <II mil;<1jiot;,l~ ,utonOIll)', N.ell'!Jnil!n!al '
r " t..i9ol.'lJWown rtUQn, th,y blejlQ I..,!al.thll 16' I'i CIlnlroli 011 aMa Ulet,llur. ~~ ItJIliA1 ..'p/tdi."
II ' pI'a'lil'iD!ikc'WI the r.r..lpallOftt', " , .' ..1; W~I~ "lM'~, '" 0 ..t~', 0 , ~o;Q :, ":t.' ' ' ,"
. < 0 hen' MilLllc 'puUed the ptl:"'. /ltagrnnl tli.it' ::\ : '!lIt rMMillJUotiOit 1~;'lItlpjllllillli to' i:ltu.:up apl', i
, .'nf!i,led Oa1)a'p,hl!I'l Invl'ItlfjaUo/l. ()nuoi;ald, hu 'r'.luiA'1JldM~lAl\dl,,'I :lMt IlJll'",rtl;'nJit~rWl'rilllat be ~
I ~ar!ad Mell.if. to a \llijd\~IQlldor JlIOll1'illll' hJili.,.j al',~.i nlllll]lvqt! by t.MI.;It~ 'altoftlt" Wllll;lldQ,~.r.. " j
:' u/'nall ~ullneMos '!hou8h lIone :\AI"" b.'Oi:.hurea "QIl.,.:,lhouKhwanyr.IIl~IiaJ.Ilt:(ldl'P'lw,hoy~lI'i,ll',l~ . ~ ";
{ I '~~lIed to bt'uMa until Julyo ,',,0 . '.. ,\'~rj)'ltohlielll.~, '.~".\., " "';'~',:;;,:o:, 1'..'. ,':" . ., ~" ,1: i
. i ,1\; Uno,4Q,kJiMd MCllupulilJnI:lIeaa,1 lioldtrolln"r,'i' ' ,U,..I '1II1~ ~rbBd ''''''JI'Sultlnll 1iJ.'llIal't1ftl.', P'. ~
fl\ T~n'ila In ~opl"mbor 1~.~J/ /1\ le,tntly ,,', 1f.l;ru- 'PIIIVllll 'Jt a r~/lil/iiw"I.v.', aI, II~ ',llld ~BW oYlirk;:'
I ", t.y, Met,Ule' ~.k,'d hlm'h' l\1ilk~ . J1l1'JWIIt~IIo)'1 r,~',"'.\~OIllonily' nll''''h~n.ln"or.)')b~10'10'Y2~'o ','( :: 'I':"f', \l'<~
II "'I,illllg'hlAllrtn<1l ar. II p,lnl ~PllriW. 1II"C;1\\i~ ',I( lri))"~' "'1 ~n~hrlil ,\ 'on )I~p'/i;i~\ti!I'1i# Ii,o,) ~~II\u~hl~r'a1lf '
I ' '~QIJl9Uole of1icW.: m. ~1larv ,.., b<lo.,t'd by _ .1,0". or ,,,:U,jlllfjOl, iii M. !1(e;lf.Ui~o'i#~?~'. ey kn~\\l' \'lj0ll", \
II ' Illl1 ~,l!14 ",:",ulI!$,I'JIIl< ~'Ii'rol",l hy bill ~lalllll.ril'lIl\ ,"1111'1\ nll,J th"y,:~lll ,llalo\;.rIIJJ((Jbll Al(~ ,\;,oc ~idi~~l)llrill f,
, ~o cf\V~A"O~~,OOO 1..1 ye~oo ' :Ii ,/", ; i;,';Wr9"1f< :An\l1/11lll,tjlll1.clWli~ '!~"~q~SY{I\rli\~l!ll1~o -:'
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li1.i10.111t3 Will
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The HCll\OI'IbIl SIi~alO" R, euri.,.
Suplfinllllden' 0' WuIlllCe
H.w York SlIlIlJIfUIIJIOI o.p.nmerll
160 W... DrclIdWly
Htw Vork, N, y, IOO13.33f3
Dear SlIpUInlCtldenl C~riaJ.
POllowin. tht luUlllcc 0' . Nodc:a and Order 10 Show C:.~.. by the Florida rn.u~
Ocpanmcnl on Au,uIl27t 1993, relltln.1O dlc Illes acQvldlll o( on. of Ollt Jl'.raonal
In.ul'tllCC --.Ita offtc.n In orlll1pa. P1onda, MetLife has _ 01, lubjlCl of ",ultl.1WI
re,lllalOry ICrulln>, and adv.". MVCrq. by tho media. For Me&Lifll, wbldl has , 12.5
Y'" llIdldon o( nWnraln''', 111. hf.hetlllllldard. 0' buaineu tlhlc.. 1b.i.a Ilnloll.u1Wl
druatioa I. mOlt dlmrtlln. and certalnJy nQl In 1lapIn. wilh UUl nllnlllJ bl.l.lI_
pl'lCllCII, We lin~ly reRNtll1d lpolOflu ror lIIe onllceml thai hive uhono ~ nlt
rea.uure you thai we have Ween and will conanue 10 lIJre '*IIIV. rn~ 10 prolll:1
our pol/C)'holdMa II1d 10 llNUre lhal our I\anj tJamtd rcpUIIOOlI fin IDll!fl'lry ane: falr
dcalln,la II\IIJllLlned.
WlllllJ\t ualllAn~ or oUlllcl. MunlCl, we havo undel'tl.bn I clllnpl... i.a~sll.oldon
10 d'lUIIII.ne 'llactly whit OCCIlmd, and wllu lCCionl we rt\llhl ~e to enlllft lhll.uch
an incldenl will never hlppen I,aln. TholrrYeatJption hu pl'llp'tped lubtlanljally, and
I am now In a posiuon ro aclv!.le you Qf the ItepI we are Wdn.1O Iddreallllh maUer,
The Invatl.allon sublll/lllaces our prelJrnlnuy ftndln,llhat on. or our III.. otftCillln
Tampa, florida. which marketed prlnc:ipa.Uy 10 nu... on a IlItionwi. bllll, used pre'
approach uJ.. IittralUre and 1&1.. pracdca w/lfcb plued an llllppropnal' and
mmtlll"* e.eluli~ .mphul. 011111. redl'llMllt plannln, Ul*l.I of U(. IllaUJIIICe IIId
did nOlllwlySII\Ib c-.r lIIl1lhe pRlduca beIn,lO/d wu I whole life poU~, 'NIlIII
h I. ImponantlO nOCt !hal permanenl Hrelnau.nutc:a I. III Ipproprilll prodUCI 10 fund
or suppllmcnll'tlitemCllI plans because II proYi.cl.. valuable in.u..."OI t4\ell.e while
&llowlnl Ush 10 Ic:cumull.. on a rill adV1tl1lC1d buts, h illqllllly Impo"IIII, and OIIr
nrm poIl~, 10 properly idllllify llle prClduct bcinl sold, Wheth.r It be Ure lJl'UI'IIlct,
IllnuWu or mUluaJ fundI,
n. bulk O( the Tampa 1&1'1 mlIeritl WU 11001ppro\-cd In ICCOl'd4nu wllh lJur IlIIldard
proeeluru, whICh c.eJJ ror 01. lubmllllon or .udIlMlCI1a.Il (or review IIId approv&l by
OUr COI'JlllIIII Law ~tln Our Home Offtoo in New York. O~el . 1It\'ellJ year
periOd, VarlOUI indivldua.llln lhe compiNly were .Willl o( IOme upeers of !be shuauon
and on a number o( ocwion. 111, manqCl' of lh8 Tampa cf1'1a 'NIl dlrlClIJd to re(lIJn
from ualll, unlppnwld llleaUlII1lUnl, bUI Unt'OrtlJnarely, lho 111111&1 Slapl liken by Ole
oomJllllY 1.0 .top the lcl1vlly PfO\'al In.utllelcnt.
III "nil" '^ 111':\1 \IIi/lith" m~"I" rmmrlll'. 'II ..:-M"..."'r ole), ","1111111 In""'rri"8 'n
derennUl. whether or ~Ol III)' pollcyholdu actualJ~ >lib '~lIltll!lo$d ~boUI w,* product
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h. or aM II.W purct\UfllJ, w. wmct to 1M appro.lma~y I 8,000 pIl)p~ who hMI
pun:1II.loll whol. Uf. Insu,,"" polkl., from che Tampa Ill.. ofRee prior 10 May J I,
1993, to eneur. llIalllley WCI~ completely .r.l.n~, The 1.5,000 in-foro. poIlcyholclln
warc Ofl'erecllhc option to reclliY. . fUU ref\lAd of premlume phil InllU"', ..clIant.
their IIf. InIUI'IMt policy for IIIl1lnuily CQIItrIC( or Keep tIIe,r .ll.iIUn. polley, 11ItIIl
l.houund Ill4lYidu.h wllote polJQla had ~ received full r.f\ancla of their premium.
willi 11I_. We UIId I coI.I.fm1 numbct III otfu UlI.lAI\U 10 tho.. poUcybolden who
may havt IIId queabona Ibou.c lbeit opli\lllS end we ccnanlle to keep our otrw opeD weU
beyond lhe lIILrty day lime fr'MlI orilill&lly let. To dale, 'pprolllmaldy 39" ot 1M
1'.<XX) IMOR'lC pollcyboldcn o( 1bo Twpa u.I.la oMce have rcquated reruM. (1t
uchlllleO lIleir paUcl. for IMwdes, To dalet tile AltIount of r.fund. Iw l4IIIlIlln
eKun o( 111 mUUOIl,
In 'ddlrion, we !1:lieved the nllll,'&.r of the Tamp" uJ~ 0("1:8 of hi. dull.. and WIt
llirfl.:!Cd IJIaI ofncc, whi~lI "'... unique in this felJld, lIot to m.arlcet on .. ll;&tiotW bul..
furtlletmol1, Wel u.1.lCII ropc.ated dltD:tiYto1l.o oUl.seney ftlrce rall(orclna the compl/ly
polley rlquirln. all ulcs malltW to be Ijlpl"O'Wll by our corporate L.tw ~Iln
N~w Vork.
^. a rellllt of our lnv"al1Oll. we h.aVI 1Ql1lCd lIIal uJU.in other wa officea utili
prc-appraedllet1ers IimlJar 10 lIloee uled by lbo Tampa Illes otnce, allJloup no 0CIw
otllcc ulld II.Idl INIDiaI on .. ICllIic relllOll1y amn., to thlt o( the Tampa a1. oII\ce,
Some \II1approved sales Illet1lUrct whic:ll de-cmphuU.cd the whol. life prodUCl end
, 'l~ reclrcmenl pllMlnl &ClIIat WU i.UlIId by the Home OtfiCAl, and IoQIM rqi-.l
tT'lIln'"1 m&t&rialIUPpor1ed thiI ilia approech, We have revl.wed I number of otIIet
tlllld Ill" aelivllle. and havt c.onclUll<<llJlac conlJ'Ols In other art.&s u wt!I were not
O~, lip 10 uur ~LWllllulb, While lhuc. ,W(.I11l~ruIU1'C 1:).11J~ GrfllOl onl)' . IIlIII!
pereenlll' of ollr salct of life InlUl't.llCl (tor CJl&/11plc. III. Tampa om~ lCiCOUnted for
leu tlWl 112 o( I'" or our new per1Ol\2! lnlU1lJ1ce prcrnlum cklllarl). and whil. pre-
apprOldl Ih.er~Lure i. only 0110 faces o( tIl. entire wc:. proce.u..w procell which we
believe In most Inllallc:a left no doubt in the consumer'l mind thai tic or .he wa.
purchuln. I whol. Ufe policy-the brea.lulown. In cOI1lTOh and In individllll.l
r"pclllllbilit)' Ill.L WI Mve found It'lllllallUll of Irrat eOllclltll IIJ liS llld, 'Nt! \"til:J3.nlz.e.
to you,
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The concelns r.,m;:J by our 1JlVcltlsalion hive II\t1 UIIO taJ<e ~"rlllic.llll ",lIon:J in four
1Ire.&1: rt.<lUDJriOllIO (Xlllcyholdertj ucrn I'ClSOtlllcl n1Q!ur~l: Ille elubbsllmen! of a lItW
SysteM of cOmpll3l1Gll IIIId con 1101 ; II1d reorsalliunon or our pel'1Clnal InlIJr2MiI
uptrauun.o I.m conlldtlll LhoU lhl!.lc Itepl, which llJe 'l\Jllined b.low, will makt
MClure: .trOna" rlwl eVllr and tlnl'A! il&alll II mod~1 tor Ih~ 1I1dusl1Y 0
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We QOJr.mh to develop a plan, in consultation willl your o(!\~ aIId other llffo::tCid nile
reAulawrs, 10 ensure thAt any pollcyholr\er In '.he C.1111l1ry who W8I lIlisltd or deceived
.,', ri. ~II) . r \d.,.-J
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1/110 PUn:hul.nl . wllel, u,. InwfII\l.1I policy !JII'QII,h our ll.It of llllpp/'Olllri.w ... .
Iilllr1N/'I 01 prk~OII wi.!l l'eCIIve r.olll..... Thia 0"_ i. CDn..".nl wUlt 0111
lonllllllGint pReDCI of lIlIUun"l IIW OIIr CIlIIOmen und.llland 11M procIlMtI IIIey
r*-ve,
~
In COMllllion wlUl our '<<OIU to IMlI1 die malnlln&n" o( !JI. hi.hcat bu....
.&IDdatda 01 lll)IlduCI IIId CO InaWl a IIlIIIIpmllIlI lam lIIal ptopuly /'In_ my
concenll, WI .... Win,I number of I*'IllDDII action. today. The 1NIlIt- of IlIt
Tampa offtolt 1M mana,_ 10 wbom MI'Ip\lftIIllt, dIIlt IUpervllOr IIld IIIOClIIr ....-u
omcl&l baw been rtIlmd of 1Ileir ,..,-IIbUlt* and arc l.vIn, "" aompuy,
PinanclalllllClion. will be .... ..&111II dle r'IdIed Senior Vlu.Prea.idtnl who 'NIl IIIe
OfnlWoln-Char.. of tilt SmIl11a11enl TerrUory dUM, moll of U1. tlme I/IIPPI~
aI.. llllrlNre \Val \lied by Illo Tampa omr:.. In a4dIUOll, lilt: held of OUI Ad~MCllld
MIlkc&llJnH In Ib4t Home Ol'l\ce, whidllll\Mld CII1I.\n non.appnwed 1&1,. 1I1er1ft1r1,
II btIn. rt!lcved of hiJ rapQnllbWll1I aAd l.lavlJl,lhe ~ompany,
Over Ill. 111I Ii. monlhlt &her. hllle btIcn . number of ocher inrllvi4lulJI in our IlerlOl\ll
lnallrance [)ep&Jtmenl who hive I.lecn dltnllSlCd, or have rcsiill'loOCl, nr have tle.:ted IQ
&CCflp1 an eIIly reUnlmMI prOlram, 1n a4dl1ion \0 the (ormer head of Ille Soul/!-. .1
Terntory, who r'Wed Laac year, IJIOther two of our five remr.uriaJ Offlcenoln-chllle
hlv.loft or .,. l.vln,llIa c.omplllyo W.IIIVO repllClld a&crn:y vlce.pr~lI, branch
rnanqm and eal.. rapraelllltlva when auch "Lion appeared 110I11'I1111*1.
Funhcnnonl, " I rcaull or the IfIQrprtiwion o( ollr personal In.ul'lllCC operallon.,
, Which I wlU oulllne below, 1II. poaluo" ot lenior viclt.pre.sidtnl in chlrJ' of eu.er
a,.ncy OJ)UIlIan. will be eJirnllllled. Tho IDd.lvldual who held !JIll polilion, to wham
the nv. ltrntori&l Of/lcen-1noCha.r,c l'CpOIUIII, hat choa.en 10 re\.l,.,
Some or our ctiLl~ haVI aald l!II.I w. aIIould ha'" I.Clt4 In 111lI1t\' haIlt in orclet 10
hive aad.ftallhe media, We chaM lnatall.G dcltrmiM th. (AClS /1m and 10 act In a
pnld.tnl and Judlctou. mannlt, OnlllpClCl of I)Ur CCrpollce cult",. thaI we Ire proud
or 1.1hI1 MIIJ..I'. lreau lu o(/lcer. UI4 employee. as r.milyo Dl.Iltha WIIta,.. of OIlr
pollcyhllldut musl calM nnl a/ld we mlllllll chI M,hl ..ample tor our olher "7,000
.mploy...,
El'l&tlCBD ~QMPUANCR AHlJ CQ~Ab1S
With 1Il. lJIprav&l or Ollr Board of Dlrcctor. AIld III Audh Conllninel, w. lit
ImplclllCnlilll an ambllloul prolrvm 10 '/lhUlct M~IUr.'S eomplllllce and CQ/lLl'OI
'Ylwna, 1111. prolram Cl'Cl1U a number o( n.w _,I\.! expanded or,anlu&lOllll
.1I'IIClIIttI, In<:ludinl a Butlnw SI.IIIdardI Commlttoe, compJiI('d of memben of
MeU..Ife'. Corporll. Mana,em.nl Otflce, a Corporace Customer ReJIlIons Department
repaldn, dlra:lly 10 the PreaidMlllld Chlet Oporarin, CffI,cr t and n COfllOl'l1.e Etblc.
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met lIIIlI C01nprielA. newl~ appgln'l!d BualneaI s.rNc. Md Compllanclt OMotn
',_lUll... _h "lit of bUIIIMI. IIId "Inlfteul rwr npnQon'o
111M IIIIW oorponae Ilr\lct~r.., to.1C.IIer willi I C4mprfhllltiw pro""" of
~mmullloulOlllIlMl traln'n.. monllOonl_ ImplcmtIlWlOllI1Jl",,, will.,uu/W Ihll
1M b.,Ii_".... tlIIplo~ lhrou.houl Mc&lJ1't 10 achlM wr C4rjlOf'1. .!HIl\la
It, e&hIclJ, talt IIlCt III MI complllllct Willi a.lIIlflPUcabl. law. 11I4 ",UIIDOII.,
PWQlf~L JNllII~NCLQPAR'lllItI1:..UQ'G~N1~
W. haw alIo IllD011need loday I l"lIOrpnlMdoA of a. Penona.lIAluIllllle ~I
10 provide. 4ltec1 NPOrUnl /WlaQonl..lp ~ tht Offtoen.ln.a.ra. of au, ~\o. "".
lWrium. 10 ....."w VlaoPlllIidIn1 8cb CMU"". s.w V....__ loll"
Tw. I fie IIu *' IIIIdI reepon.ba. for III odw pIrllOIII,\ ....... Co,.. w"'t
lnoIudlnc ... In.UUna 11I4 promOliorl. CIOIDpIiInClIt undn'ridnt ... fttld
oomp-.IJ<<I. Mr. 'I'\wlIdMt who wi.U l'IJlCIft.. Nt. CriI'lUllal, II.. ro..._" ~1.1II1
and chW IMC\Idw om. o( MctLl(.t. CaNGIu opndClllI ..... wu previOtoIIIy IJIa
complllY" cILW 1CltUIry,
I. II OUr . IIw 11I1 actlOftI WI hno oul.llDed ill IN.Il.uer will ba.... poULI\" .ft...
'n llIIVm.lllllpon:IIIl wa~. P1m, we hope 10 ~1II'Ite '0 Iht public 1IlI. MnUf.
Klandl beIIlll4 out repullllon for honary ud ....ril) by '*Pin. the 'MIl' 11'I 0" our
pollcy/loWen u Our number OM priority, S'~DIIod. we hope dill die IlIpIlIkn 14da~
Mil proYIdc UIUrUOl 10 you anti 10 0111. ~ro Lho. 'Nt rHI/I .., lib UI IIw
n<<*ary ""'10 ldelIUS lIIi. manu In I ClIlrnprdJenslllollld dlieWvt ~y, TluJd. WlI
will halo" conftrmed 10 our .mploy. 1halllley c:an place lhaIr complete contldftll:.ln
M.r.uf.tl "","...ment team 10 'Ict our problellll had on, to n,hl wronll lihen lhIy
&II UIIClOYCNd and 10 poSllion tlIc company 10 eompeJellMlreuivl'.ly, yet (a.irl~o, in 111.
yean 1btU,
~IY youn
t:~~- ~
Harry p, men
Chairman of lhe Board IIld ChicI' e.x~ullw OM"r
December 27, 1993
:,,\ ' )~I'lfoJ
1'04 'l!I,III.li.tl '\'1
.~r; I.'~O f,i~, ~,':l ;1 N
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FAGE 1
Rank(R)
R 12 OF U
OAtahafie
PAPF.RS
H.d.
PAGE
HET LIFt: Bay. La",y"u, Chl.e Kn..'" of M,1l1In""
In.unne.: DI.clo.uro l'llln.a new 'luuHlon8 In cllntlnulng probu of lett.ro
that pu.had Ilolid". BH r..tire,.enl invuntm.ntll,
Lo. Anllel.. Till.. (l.'r) - I'IUIlA't oJ/lnUill'Y II., 19'11.
8y: Frail 81oollb.r" aUh 111.11 1'1.101.
Edition: Home Edition SuctIon: l\,,"lll~.b l'/lf,":
Story Typo: Wir.
Word Count: 2'12
l't, U r:o 1, I,
TEXT:
Nl'W YORK - Motrol'olltlln LJ.fe 1"""1'1111<" Co. ,11/lclooll<l 'I'hlll'lll.lIlY thllt it.
pre.ldent nnd I.nlol' l/ll,/y"r. kn.w for ,"ollth. /lbout 'Iu""llonahle Hales
promotion lettor. b.eor.. tho mailIngs Woru Btoppod In.t y.ar,
HET l.1FF., the nBtion'. biggest HollH oe lifo lnlurance, anid
lawyen at It. 1'1.101 York hO.dquanen Approvud lettUI'S sent by the cOllpany'.
Tupa, Fla" office from mId-January through S.pto..bor.
Th. lett.n, pitching lnsuranc. a. a rucirom.nt plan Cor nur..., are
baing lnve.tlgated a. potuntlal .vldence of deception In at 10Ast 17
.tat.. ,
1'I,e companY'1 ocknllwhdp,munl. till... Ill'''' ''''neernl "'ith lllv...tigntou at
B tlm. wh.n the troubled Insurer hAd he 011 trying to lay the controv.r.y to
re.t,
"Thill dlac\08uro 1"1I1n.. qu"stlons for top HET un manlll\om.nt that
10111 no\l intond to pur."..," .aid Thomas Tow, nllrlda's 1.lId Inv...tigAtol",
"For onll thing, It ral..." que.tion. liS to wh"th.r tho coml"IJIY" p~ior
dl.cipllnllry action. IIrll . COVCl"-ul'."
HET l.IFF. la.t mOllth dlllmll\Hod ,,"von mld,l.wl /llld ..nLo1"
executIves, sayinl'o tllllY hlld fllil.d to "nsur. thl\t the '!',IIJ1I'" ",01". lott"rs
were Pl'op"rly IIlIthod1.,'d, Th" hlp,h..t-nlnkLnp, .'x,.,'"tlv,."" l"l PoO "'1'1'" SOlllor
Vie. Pr".idellt Rlo:han\ MnllrOl', tll,. ""'"pony'. No. I 1'''1'"ollnl Inolll'an"e
ex.o(utlve. and Arthur SI1l11.'tOt', 11 Vll~e pn~'lllhlnt who dtl'1l11opod 8l111\A
brochures 0
Richard Hand.l, tI... "ompanY'1I top persollal L''''Ul'lIllel' lllwyer, dl'nled
that the h.adquartPl's-lIl'l'rov,'d lenors "'"r,! 1Il1.1",II11n!\,
"All tho latters w. approved Ln 1993 Wo1'o perfectly I\ood from n I.gal
point of view,' s"l,\ MlIlld.t, 'I vico prrBhlellt whu lIup.'rvlo"" m'IlO. than ?O
111"'Ye1op;. "nUlY III 1 nllld(~ ~luLtt roCur.neUB to 11 f,., 11\811tI\IlC[' or permanont
Ill., "
Handel said tho home oCt ice la.t yesr IIppl'ovod four lnttur. thAt were
mod.h ror ..a88 mnilLng. Croln Tampa for B II? month".
(C) 199'1 IJ)S M(IF.LF.~ TIMES
l'Ala: 1
NlIllk(R)
N 1l ot' /J
0.l'1I1"...
r^I't:tlS
H'llia
I'AGE
TO' HIT Un: O....IO:R I'Nt:W 1).0 S^U:S I.FTn:R
HI...l Herald (HH) . t'RI Janu/1ry lit. 199/,
By: Bloo.ber8 BUliness Naws
Edl.tlon: FINAL Section: l\USINt:SS l'ay,.: Ie
W"rd Count: 67"
TF.XT:
~Itrop"ll.tan Life Insuran~1 laid I.te pr.uld.nt and senior lawyera kneW tor
."ntha about ..lea lottore that prollptod an InvlltlBatlon for poul.bly
IIhludlnll ..lla pitch...
HIT LIft:. the nall"n's blUellt ullar uf lIfo lneurllnco, said Thuraday
that la"Yora at Ita New York hl/ld'lu/lI'tere approv.d l.tteu .ent by thl
co.pany'a TSlllpa office frOlIII 1I1d.January 1993 tn tho end of Soptlllbor, And a
Ht:! LIFE apokeaman ..1.1 I're/lldont Ted Athallllsalados horlled abnut
rlvleed, approved lottora la.t July Ht II lII.otln8'
HFoT
retirelllent
In at leut
un: which
plan fur IlUlSOS,
17 stnt.so
us.d slllo. let'ers to /lork.t InH'1r/lllC. U II
ls under investlg,\tloll tOlr posr.lble deception
lIownVlrl:, Rldl/lrd Mnnd(ll, tho I~OInp,lnY'B top IhJ)~Bnllill Inti\.ll'4ncv
denied thllt th" ldt.'rll sent out in thll1 p"rlod Wl'r, mIHl<'illlln!'"
th~8B letters t",,, I>...n proporly r,'vlllecl nnd approved hy MET
headquarters to lndkate tllilt llfo In"urllllc~ WIIS rhe Bervl.'e belliI'.
IswyeL' ,
lie .,11<1
un:
AoLd,
"All tho !ettUL'S w..' IIpprllv~d III lCI~) w.'r,' l'orfHtly p,oo.1 frum II legAl
point of vIew," slIl<I HlIlIClul, II vIae prusld"lll who /Jupervl.es mor., th,ln 20
lawyer., "They IILI mo<l., dellr refHf!Il"rll t.o Ll fa in,'"lonn"" or permllnent
Uflo"
StIll, lnvostig/1torll say they're f,Olll~ to o:.llmlne closely the
cOlmpany's acknowl..dg,nellt rhllt tup of!'leillls know IIhout tho Irtters,
"nlls diuclo"ure rlllueo 'luf!:ll.iollS tor top MET l.ln: mllllllgelllent
that we now intend to pursue," ollld Thum/1s Tow, Florida's lead
lnvut181ltOlro "For one t.hlng, It raises 'lUll S U'llI" ,Is to whether the
cOlllpallY's prior dlsclpl1nllry actions ore 0 coverupo' 'fow s/lld h.. has just
bel\ull eXIJ1l1nill8 the revised nol.." letters "" plllot of hi. Inv"st1g/1t1oll,
'l111 company JolIst lIIollth <llslIllsaed sevell 1Illdlovel and senlor
IXlcutlves, saying they faIled to enour. thnt tho 'f,llllpa ulee lett.ra were
properly .uthorlzedo nIU lIIost senIor .1lPcutlvp.s lng.ted were Senlnr Vlel
"ruld.nt Ridl/1rd Haurer, the compllny's No.2 personal.lnsurancl executIve,
and Vlcl PresIdent Al'thur Spnctor, who develop,..! Bal.. brochures 0
Handel, who WIIS desigllllted tu IIpellk far HtT LIFE, sold the hOlle
offlce epprovod four form lettors l.st yellr that wore used a" the balle fOlr
TAmpa'. IlIUB ilia 11 lngs tor 8 L/2 monthA.
(C) 19% THE MLN'" IIF-RAUl I'UIILISIIlNG . Coo
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lDlllCATJ.!m
sUbject to the ponalties of 18 Pa. C.S, 54904, relatinq to
unsworn talaitication to authorities, r hereby certifY that I
have read tho toregoin9 complaint and that tho facta sot forth
therein are true and correct to the best of my
know ledge,
,')
information and belief,
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Gorry Voi ~~/
Patedl
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1 The a\:tion Is ,urrently pemlin~ ill the ('ourtof Common Plllas of Cumb\lrland
CoulIlY I'ellnsylvanhl under llelleral llumber 743 Civil 1994. ^ \:upy of thll eomplallll sllrved
upolllhe defelldalll in lhal mailer is allaeh~d as Exhlhil ^.
.j. The \:omplailll wus served UpOll lhis defelldant hy certlt1ed mail un February
23. 1994, u\:companh:d hy illloliee III plead, a \:opy of whieh Is allaehlld as Exhibit Bo
~o This notice of removal wus flied lllSS lhan lhlrty (30) days after servicll of the
summons and Inillal pleading upon this delendanto
6 Notice of Removal hus heen fII11d In the COUrt of CUlllmon Pleas of
Cumherland County. Pennsylvaniu und hus hecn servlld upon the ullorneys for Ihe plalllliff, a8
Is relleeted by the certlt1eales of service und of I1l1n!! allnehed hereto.
70 Removal is proper under the ahove cited see lion of lhe Unlled Slates Code,
Respeclfully submilled.
Suul. Ewing. Remick & Saul
240 N, Third Street
Sulle 700
Harrlshurg,l'A 17101
BY:
(I' ,
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r..A"'- .(.
Tim Io IInrrl Ion. Ir y4
Conslnnee B 0 FOSler .
Al10rneys for defendant, The Metropolitan
Life Insurance Company
Dale: ~) I W \ q ~~ .
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CERTIFICATE OF ,~ERVICI\
I herehy certify Ihlll U true UIll.! correct copy of the ulluched NOllce of Removul.
Appeurullcl: ullll Cerllt'icU!e of Flllllj,I were served this duy on the followillll counselor pllrlies
of record hy first c1uss mall. poslUlle prepaid, uddressed us follows:
Alan R. l.IoYlllon, 11',
McNees, Wullace & Nurlck
100 Pine Street
Po 0, Dox 1166
Harrlshurl,l. J> A 17108.1166
ATTORNEYS FOR PLAINTIFF
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Tim J, Hllrri
Daled: ~ II y Ir-l ~
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XX. FACTUAL ,~cla.o~.
A, 'l,iBcit". "Dla~.~t wich D.tend.ft~
4. .etween JUly 3, 1971 and Cecember 27, 1993, Plaintiff
wa. employed by Cefendant.
e. Plaintiff fir.t became employed by Oefendant in 1971 ..
a Sal.. Repr...ntativ. in th. Baltimore, Maryland, aria.
6. In January, 1980, Plaintiff wa. promot.d to Sale.
Manaqer in . Ciltrict Sales Office of Defendant.
7, In March, 1984, Plaintiff wa. promoted to Branch
Manaqar of u' branch office ot Defendant.
8. In March, 1990, Plaintiff wa. promoted by oltenelant to
Director of Marketinq and Traininq Sarvices for Cefendant'.
South...tern Territory, coverinq a qeoqraphia area of twelve
.tate. and headquartered in Tampa, Florida.
9, In July, 1992, plaintiff wa. promoted by Defendant to
Director of Career Traininq and Development for Oef.end.nt's
Mideastern Territory.
lOt In Auqust, 1993, Plaintiff was promoted by Oetendant to
become Reqional Salee M.naqar for Defendant's Harrisburq Reqion,
one of fifty-.ix reqion. adminietered by Oetendant.
11t While employed as Reqional Sale. Manaqer for
Defendant'. Harri.burq Reqion, Plaintiff'. .q.ncy wae rated
number on. nationally by Oafendant in the eal.. ot mutual fund.
and number four in the Territory in th~ retention of salee
a..ociatea.
. :2 -
12. While Imployed a. RIgional aall' Manaqer tor
Defendant'. Harri.burg Reqion, Pleintiff" aqency projected total
premium. earned for 1993 to bl approximately '100 million,
includinq '4.& million in fir.t year oommi..ion..
13t On Decambar 27, 1993, Plaintiff'. employment wa.
abruptly, and without warninq, terminated by Defendant, A copy
of the noUca ot termination ia attaohed hereto.. Exhibit "A,"
14. Plaintiff wae not informed by Defendant why hi.
employment wa. terminated.
.. The TalDa ottice And Inveetiaati2n
le. Between Maroh, 1990 and Auqust, 1992, Plaintiff wae
employed in Defendant's Southeaetern Territory headquarters in
Tampa, Florida.
16. A. Director of Career Training and Development for
Defendant'. Southeastern Territory, Plaintiff reported directly
to the Territorial Offioer in charge,
17. All training and sale. materials submitted to Pleintiff
were forwarded to L. Miohelle Ligon, J.D., the Territorial
compliance Officer in the Southeastern Head Offioe,
11. Plaintiff had no control over company approval of .ale.
and traininq material..
19, Looated in the .ama building a. Detendant's
SoUthe..tern Territory headquarter. wa. a Oi.triot Sale. Office
(ilOilO") ,
20. The branch manager of the DSO wa. Rick Ur.o.
.3-
21. In the .ummer ot 1~g3, the State of Florida
inve.tiq.ted claim. of miarepre.entat.ion., fraud and u.e of
unlawful m..n. by the DSO.
22. The inveetiqation centered on the DSO'. u.e of certlin
literlture u.ed to promote the .ale. ot in.urence to nur.e. on a
national level.
23. Contemporaneous with Florida'. inve.tigation of the
activitie. at the DSO, Defendant wa. conducting its own
inve.tiqation ot activitie. at the Tampa office.
24. In July, 1993, Plaintiff wa. promoted to Reqional S.le.
Manager in Penn.ylvania,
28. On Auqu.t 27, 1993, approximately one month after
Plaintiff waa promoted to Regional sale. Manaqer, a Notice and
Order to Show Cau.e was filed by the otfice of the Tre.eurer tor
the Florida Department of Insurance.
26. On November 17 and December 9, 1993, Plaintift wa.
ineerviewed by counsel from a law firm representing Detendant
reqardinq event. in the Tampa otfice.
27. On December 27, 1993, Plaintiff, at the Bame time a.
.everal other employee. of Detendant, was terminated by
Defendant.
a. Defa.atory Itlte.ent. By Defendant
21. In December, 1993, and January, 1994, Defendant,
throuqh it. authorized repreeentative. and agente, made various
public statement. to the member. of the media concerning the
ju.titication for the termination of Plaintiff's employment.
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28t On December 28, 1993, Harry p, Xamen, chairman of the
board and chief executive officer of Defendant, announced
publicly that Plaintiff wa. one of ..ven employee. terminated by
Dehndant.
30. In a media interview, Mr. Kamen diacu..ad "un.thical
practice." in the Tampa office and stated that the employee. were
fired for "improperly repre.entinq life in.urance a. ratirement
plans."
31. Mr. Xamen identified Plaintiff as one ot the amployee.
who waD terminated tor the unethical conduct,
32. Mr, Xamen's ramarks were republished on a national
ba.i.. True and correct copy at articles reprintinq and
di.cus.inq the comments made by Mr. Kamen in the Wall Street
Journal, New York Time., Chicaqo Tribune, St. Petersburq Time.,
New.day, Los Angeles Times, are attached hereto as Exhibits "A,"
"B," "C," "0," "E," and "F," other articles are reasonably
believed to have been in the Palm Beach Post, San Francisco
Examiner and Baltimore Sun.
33. The employee terminations were deecribed as part of an
e!tort to end "what ha. become one of the biqqe.t ineurance
.candal. in recent year.," Exhibits "A" throuqh "F," attached
hereto.
34t On the .ame date as Mr. Kamen's remark., Charle.
sahner, an authorized spoke.man for Defendant, al.o di.cu..ed the
employee terminations in a media interview, True and correct
copies of articles quotinq Mr. Sahner in the New Orleans Time.
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Pioayune, San rranoiaoo Exeminer ~nd National Underwriter Lite ,
Hellth periodioal are attaohed hereto ae EXhibita "0," "H," and
"I" are Ittaohed hereto.
35. On Deoembar 31, 1993, an authorized reproaentative ot
Detendant WI' quoted by the St. Peteraburq Time. aa atltinq that
"the 'ampI ottioe u.ad misleldinq material. de.pite a .erie. ot
memo., 0111. and notioe. trom headquarter. that they be
ablndoned." A true and correct copy ot the Time. article is
attached hereto ae Exhibit "J."
36. In the .ame December 31, 1993, St. Petersburi Time.
article, the repreeentative of Detendant wn quoted a. sayinq "We
have 13,000 aqent., but you are always bound to have a tew bad
Ipple." and that "Wa/v,e taken step. to weed them out." Exhibit
"J /" attlohlld hereto.
37. In December, 1993, and January, 1994, Defendant,
through it. authorized representative. and agents, made variou.
atatoment. to governmental officials about the reaeon. and
ju.tiCication for the termination ot Plaintitf's employment.
38. A true and correot copy of a letter from Harry P.
Kem.n, the Chairman of the Board and Chiet operating Officer ot
Delend.nt to Salvatore R. Curiale, the Superintendent of
tn.urance for the state ot New York is attached hareto ae Exhibit
UK."
39. Hr. Kamen informed Hr. Curiale that certain employee.
ot Cefendant in it. Tampa office were terminated for failure to
oomply with procedure. of Defendant.
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40t Approximately two week. atter terminating Plaintitf,
and d..troying hi. r.putation, Detendant publicly di.clo..d that
it wa. aware ot conduct attributed to be unethical and that it
had approved ot many ot the actionl taken by the Tampa office.
au Exhibit. "L" and "M," attached hereto.
41. Defendant'. lub..quent revelation. di.clo.e it.
int.ntional .ffort to deflect blame upon it and to di..eminata
tal.e allegation. ot mi.conduct to cover up it. own mi.conduct.
42. Defftndant's mieconduct evidencee a wanton and willtul
di.regard for the truth and an intentional etfort to de.troy
Plaintiff's reputation rather than accept damage to it.elt,
Oount I
Daf.mation
43t Plaintiff incorporate. by reference the aVerments .et
forth in Paragraphs 1 through 42 ot the Complaint aa it eet forth
in full.
44. Th. statements and implications made by representative.
of Def.ndant that Plaintiff wae involved in unethical practice.
in the Tampa office are tal.e.
4e. Tha .tatements and implications made'by repra.antativ..
of Defendant thet Plaintiff wae involved or as.ociated with
intentional or reckle.. di.regard tor company pOlicie. are tale..
46. The statements and implications made by representativ.e
of Detendant that Plaintiff wae "a bad apple" who wa. weeded OUt
are fal.a.
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47. The .t.temen~a and implication. made by repreeentative.
ot Defendant that Plaintitt wae involved in ueing mieleading
Materiele de.pite e eeriee ot memo., calla and noticee trom
headquarter. that they be .bandonad are tala..
48. The untrue and detamatory atatem.nte were made with
tull knowledge ot their taleity.
49. The untrue and detamatory atatemante were made with
wanton and reckle.a diereqard to the truth or taleity of tha
Itatamenta.
60. The untrue and defamatory statements were made
negligently and without reasonable inve.tigation as to the truth
or fal.ity of the Btatementa.
61. The untrue and defamatory statements were made with the
maliciou. intent of harming Plaintiff while attempting to COVer
up Defendant's own cUlpability.
52. The untrue and defamatory statements WEre made without
privilege.
63. The untrue and defamatory statements made by Detendant
have been publiahed nationally.
64. Per.onal frienda, acquaintance., and proapective
employer. ot Plaintiff have been recipients ot the untrue and
defamatory atetementa made by Defendant.
66. The pereonal friend., acquaintances, and proepective
employer. of Plaintiff who have received the statementa of
Dafendant believed that the statemAnts apply to Plaintiff.
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e6. The per.onal triend., acquaintance., and proapective
employera ot Plaintitt who have received the atatamenta ot
Defendant have under.tood tha meaninq ot the atatement. to impuqn
the inteqrity .nd ethical reputation ot Plaintitt.
e7. A. a direct and proximate con.equence ot Cetendant'.
detamatory atatement. and the taint ot the untrue and defamatory
comment. made by Cetendant, Plaintitt's reputation ha. been
.ub.tantially injured by the untrue and detamatory commenta made
by Detendant.
ea. Aa a direct and proximate con.equence of Cetendant'.
defamatory .tatements Plaintitf hae been unable to obtain
employment at the level ot compensation commen.urate with hi.
.killa, experience and abilities. A true and correct copy ot one
rejection of an employment opportunity is attached hereto aa
Exhibit "N."
59. Due to the taint ot the untrue and detamatory comment.
made by Oetendant, Plaintitf has been subjected to ridicule and
embarra..ment in the industry and amonq hie trienda and
acquaintanca..
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EXHIBIT "A"
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aud Fund
Claims
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. 'polesl'll.lll. ..Id In In
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The 1oI..""""".n WI lnaIrall<<l
c.om...,y, n. __"I.", lI1lIIIIIOol by
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41y 1/111 ~ -..01 0/1., rtlundI 14
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and Invn'IIl"lI PiaN INlIlIIl of IIll1iI-
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Home Software's Treasure Hunt
,II"
By STEVE LOllR
A d.<I". "lfr upon. P~IClOd
1/1.1 Am.ne...1I WlIUI~ 11J5I1 Lll buy
pa....n., compu..n lor iIw,r hillt,..,
1/1. prom... 01 /10m. CllmpulillC -
r.mlliu pun.nnl ...Iy 011 '\"fry.
Wn. ''''10 ,ULly ,.10.. lohouullold
boId.all - lI1WIy "'1IlJ Lll bt 011 IU
..IY '0 ....Uly. .
The ...,.,,"... '~VIlICI of panaitJ
rolllpultr LtCIIOoIllKY, 10..111"1 tVfr'
mo... po..r1UJ mld\lOe.I .nol"dl.lll..
II PI" 0' illt .lOry, But almpuLlr
/IIrd'''1'I11ll<U 10 bt. rommOduy, II
II LIlt fOlI...1'I m.k.rI, CflCll I&IJ/1.
Ihat101lJ ProOlblY IIII/l1 rOIl mllllf\l
- lIld pnCH'~. mull/pi... IIDd
1/1I,.. 11'1 .n pl.IlIY or 1'1l/1I1ha. III.
home fOlI..1'I ..,Id nail II ..U 11/Io
der ..y, Indud~ . n.w puAl\ by I/lI
Mlcrosoll Cllflllll'lllon.l/1. bll "ulI1fr
111 iIw bWlI1tIJ 101I...re m'f1l'~ IJld
tho ..ury or hlilldAoJl ot UPSIlm.
BUI 'or ",mpaJlJ.. '''d InV..lOrI
IliJI.. the hum. 10'''''' prom.- Lll
bt . W1'7 dItt.1"tII1 .rena. I.r mo,.
vlnad. 'ar mDI'I rraememod, IIld
Iou Ul<lly to bt .mmlll.'ftl by . Iwld,
M 01 DlmPlNfS 1/110 I/lI bwln..,
m.rkeL
GlOmlD !tIl11rJmldJa
One ...,,. IIKJ\ 0' 1/1. ~ro"lnl mar.
hi lor llf" I'll"" ",I....,... IS 1/1.
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PAGIt
Rank(R)
R . OF 1
HETLIFE SALIS SCANDAL COSTS EXlCUTIVES JOIS
St. ,.t.r.bl.lrl TLal1 (PE) . TUESDAY D.c.ablr 21, 1993
Iy: DENXSE SMITH AHOS
EdLtLon: CITY S.ctLon: NATXONAL 'al': lA
\lord Count: 896
Daeaba..
,AlUS
ModI
,AGIt
TEXT:
M.tropolLtln Lifl Xn.ur.nc. Co, h.. .nnouncld a major .hlklup Qf It.
p.r.onal in.ur.noa op.r.tLon., tarmLn.tLn. ..vlral top .M.ol.ltLv.. from the
Tamp. ar.a Ind two frol Lt. N.w York h..dql.l.rt.r.,
Tha coapany .110 'aLd Lt would pay r..tltl.ltLon to Anyon. who w.. aL.l.d
Into purcha.lnl whol..lif. polLcl.. b.c.u.. of unapprovad ..1.. t.ctlc. and
aat.rL.l., Ch.rl.. S.hn.r, . co.p.ny .Pok....n. ..ld Hon~y, Th.
r..tLtl.ltLon prolram .ay co.t tha co.p.ny $20.milllon to $30'ailllQn .nd
cOl.lld aff.ct .. m.ny a. 4~,OOO policyhold.r., Sahnar .ald,
Th' de.panLn. .candal alao h.. tOl.lch.d Rl.ldy MLchal.ld, a Tamp. .r.a bl.l.Ln...
and civic laad.r and the form.r offLc.r.ln.charl' of MatLLf.'. Taap.
rallon.l offlc., Th. co.p.ny .ald it will ...k undl.010..d ""flnlnoi.l
..nction.' , al.in.t Mich,ud, who r.tlr.d In Juna 19920
Michaud. who could not b. r..chad for COII.nt, 1. cradltad With brlnllnl
HatLif.'. rallon.l haadqu.rt.r. to Taap. ~ora than 20 ya.r. '10, Undar hi.
'l.Iparvi.lon the offic. Ir.w to on. of tha mo.t productlva In comp.ny
hl.tory, producinl up to . third of H.tLlfa'l parlon.l in'l.Ir.no. ..1.. by
.arkatinl product. throulhol.lt tha cOl.lntry, not ju.t in Florid.,
eut l..t y..r Taapa" di.trlct ..la. offlca It.rtad dr.wlnl .ttantLon
and law.uit. for .llal.dly .allinl whol..1Lfa inal.lr.nca to nur.a. .nd oth.r
ha.lth profa'lion.la With ..la. brochura. .nd .crlpt. ch.t pra..ntad th.
Ln.ur.nc. .. . r.tlra..nt ..vinl' Inv..t.ant,
Many conaid.r .uch In.uranca a poor r.tlra.ant lnva.tm.nt, P.opla who
c..h ln whola.ILfa pollcla. .ftar a .hort tLma of tan find ral.cad .xp.n.a.
h.va conll.lm.d thalr mon.yo
Now , cOleLttaa of ralul.tora from . numbar of .t.ta.. incll.ldln.
Florid., La invaatllltLnl H.tLlfa, the natLon'a l.rla.t p.r.onal Ln'l.Ir.ro
Th. co.p.ny al.o f.c.. nuaarou. civil lultl, It h.. paid $11.al1110n in
r.fl.lnd. to ~,.~O of the l~,OOO holdar. of the whol..llf. pollcl.. In
ql.l..tion .old throulh cha TlAp, offlc.o
Tha naw r..tltl.ltlon prolraa wOl.lld bl in .ddltlon to the rlfl.lnd., S.hn.r
.ald, D.tall. ar.n't workad out yat bao.u.. It wOl.lld lnvolva coop.ratlon
froa r.sulator. In ..v.r.l Itata.. lncludlnl Flori~ and Haw York, h. .aid,
HuLifa Chdn..n Harry P. Kaa.n .dd in a pup.nd atatal.nt Mond.y, ""X
.1ncarely ralr.t that In thl. ca.. w. h.v. not mlt the .t.ndard. wa ..t for
(C) 1993 ST, PETERSeURG TXHES
PMI 2
our..lv.., .nd I .xt.nd to ol.lr policyhold.r. .nd cu.to..r. .n .polol1 .nd .
pl.d.. th.t w. will I.k. .v.ry .ffort to .n'l.Ir. that thi. do.. not h.pp.n
...ino"
. .You cOl.lld
H.v.d.y In .n
.Xlcutlvu to
c.rried out,
..y the co.p.ny 1. . llttl. too trl.l.tlnl, , , Kam.n
lnt.rvl.v, r.f.rrinl to lncld.nt. in vhlch auditor.
.top c.rt.ln pr.ctlc.., and aa.um.d th.t the ord.r.
cold
told
wn.
In r.c.nt .onth. at l...t 20 Ix.cutlv.. and "nAl.r. ln Florida,
P.nn.ylvanl. .nd T.x.. h.v. b..n t.~ln.t.d for lnoorr.ct '11.. taotic.,
S.hn.r confirm.d, .ddlnl th.t h. dld not h.v. totll nu.b.r. of all
t.rmin.tlon. and r..lln.tlon. r"1.I1tln. fro. the .c.ndal,
H.v.rth.l..., Honday'. t.rmlnatlon ll.t .lon. r..d. llk. . Who'. Who of
H.tLif. ..rk.t.r., From the top down:
Rtchard Hal.lr.r, ..nlor vlc. pr..id.nt of p.r.onal in'l.Ir.nc., v.. the Hoo
2 p.r.on In ch.rl' of the unit, lndlr.ctly ov.r...lnl 13,000 ...nt.
n.tlonwld. throulh flv. ..offlc.r..ln.ch.r..," lncll.ldlnl Hlch.ud, H.
r.port.d to .x.outlv. vlc. pr..ld.nr. Rob.rt Grlmmln. In the HMV York
h..dqu.rt.r.. H.tLlf. ..id H.l.lr.r WTOt. to Florid. ,x,cl.ltlv.. to h.lt the
pr.ctic.. th.t ultl..tlly lot H.tLlf. In troubl., La.t v..k Maur.r'.
po.itlon w.. .ll.ln.t.d, .nd h. r.tlr.d with ..v.ranc. pay, S.hn.r '.ld,
Arthur L, Sp.ctor, vlc. pr..id.nt In ch.r.. of H.tLif.'. p.r.on.l
In.ur.nc'l.dv.nc.d ..rk.t. unlt, r'port.d to Hal.lr.r. H.tLlf. lnltlally
dl.clplln.d hi. for d.v.loplng .nd dl.trlbl.ltlnl .ark.tln. and tr.lnlnl
.at.rlal. that tarl.t.d nur....
J.... K, Hl..ln., Yllll.. [, Latt. .nd Gary VOITH w.r. m.rk.tln.
...cutlv.. In the Southern flllon, overudnl .nd tralnlnl 'anal.n,
D.nnl. Schn.ld.r, Taap. r1llonal .al.. m.nal.r, lup.rvl..d b.y .r.a
H.tLlf. offlc.., Including Tamp.,
Danlll ..Rick" Uno, br.nch m.n'ler of the Tamp. dlltrlct offlc., h.d
b..n rell.v.d of hi. man'I...nt dutl.. In Octob.r but v.. formally
t.rmlnat.d Hond.y, In r.c.nt y..r. h. .nd hi. ..1.. r'pr...ntatlv.. v.r.
hall.d .. H.tLlf.,. top ..ll.r., Ur.o could not b. r..ch.d for comm.nt
Hond.y. H. h.. ..1d, how.v.r, that h. hat don. nothlns wrons,
El..wh.r., H.tLlf. ha. announc.d at l...t 10 flrlnl' or r..lsnatlon.,
nln. In It. w..t.rn P.nn.ylv.nl. offlc.., wh.r.. 'I.nt. all'l.dly
..churn.d" pollcl.. tr.d1nl cu.to..r.' old pol lei.. for n.w on.. th.t
u.I.I.11y r"1.I1t.d ln . 10.. of valu.,
H.tLlf. .ald Hond.y It 1. c.ntr.llalnl It. monltorlnl .y.t... .0 th.t
.l.Ich tactlc. wOl.l14 lmm.dlat.ly co.. to the .tt.ntlon of Kam.n, the
co.p.ny'. ch.lrman, Th. comp.ny .1.0 I. ..t.bll.hlnS . bl.l.ln... practlc..
commltt.. .nd . corpor.t. .thlc. .nd co.pll.nc. commltt...
S.v.r.l .t.t. .ttorn.y. s.n.r.l, lncludlns tho.. ln H.v York .nd
(C) 1993 ST. PETERSBURG TIKlS
PAOI 1
RankeR)
R 2~ OF 72
Dn.bll.
,AlW
Ho",
'MI
He.dl Arl Rollin. at K.tLlf. Co.pany pl.n. to rlp,y ml.1.d cUltom.r.
NlvldlY (NO) . Tu..day D.c.mb.r 28, 1993
8y: SU.IO H.rrl..n and Cllnn ~...llr. STAFF WRITERS
Edition: NASSAU AND SUFFOLK S.ctlon: aUSINISS Pa,l: 23
Ilord Count: 7J 5
TEXT:
In an .tfort to put a srowlnl Ic.ndal b.hlnd Lt, H.tropolltan Llf.
Inll.lranc. Co, y..tlrdlY .nnouncld the tlrln., r'Il.natlon or r.tlr'..nt of
.Ivln ,.,cl.ltlv.., a r'ltltl.ltlon .ffort tor pollcyholdlr. that cOl.lld co.t a.
.l.Ich a. $30 million and. n.v compllancl prolram to monitor ...ntlo
In .n lnt.rvl.v, Harry p, ~am.n, H.tLlft'. chdnlln and chhf
.Xlol.ltlv., d..crlbld hov the co.pany hid 1.nor.d varn~nl .lan. of I.In.thlcll
prlctlc.. that h. .ald b.san In ltl Tampa offiCI .nd Iprlad .l..vh.r.,
You could ..y the comp.ny 1. . 11ttll too trultlng," h. .ald, ref.rrlns to
lncldlnt. In which al.ldltor. told .x.cutlv.. to ItOP cert.ln prlctlo.I, .nd
.Irum.d th.t the order. w.r. carrl.d Ol.lt, In on. In.t.nc., h. Illd,
.l.Idltor. .t the complny'. hom. offlc. uncov.r.d pr.ctlc.. In Tamp. thlt
w.r. count.r to H.tLlf. polley, Althoush the probl.m. w.rl r'port.d to the
.pproprl.t. .x.cutlV'I, no action waa t.kln,
al.lt, ..1d K...n, "II. know vhat w.nt wronl, Ill'v. tak.n corr.ctlv. .ctlon,
wa vant to 10 forward,"
Th. company II und.r lnv..tll.tlon In a numblr of atlt.. lnoll.ldlnl N.v
York, Florida, T.xa. and P.nn.ylvanla for .ctlvltl.. lnell.ldlnl m.ll1n,1 to
nl.lrlll that dl'IU11.d whole 11f. In.uranel '1 pl.lr.ly . rltlr.mlnt
lnvlltm.nto H.ny exp.rt. con.ld.r In.urane. . poor inv.ltm.nt for
r.tlr.ment. P.opl. who o..h whole 11f. pol lei.. In aft.r a .hort tlm. oft.n
find th.t ..p.n... have con.um.d all thllr ca.ho
Statl r'rul.torl applaudld H.tLlf.'. action. but ..ld th.y would
contlnu. th.lr lnv.ltll.tlonlo "Il.'rl encoural.d by vhat WI think 1. a
compr.h.n.lvl appro.ch to the probl.m," .ald ~Ivln Fol.y, d,pl.lty
lup.rlnt.ndlnt of Nev York'l Inll.lranc. D.paremlnt, aut h. add.d th.t the
d.partm.nt wol.lld contlnul to probe thl mattlr, and It la pOlllbla that
HltLlfl will fac. dl,clpllnary actlon or fln'l In the fl.ltl.lrlo
Fol.y .1,0 .ald tha d'partmlnt hal b'lun to lnv..tllat. othlr In.urlrl,
HI laid hi '.P'Ctl the probe to uncov.r .lml1ar probl.m. It othlr
comp.nl.. ,
Th. hl.hllt.r.nklns .X.Cl.ltlvl
WII Richard H. Hal.lrlr, the 110,
op.ratlon, who ....ntl.11y ov.r..v
who.. d'partl.lr. W'I .nnounc.d y..t.rday
2 plrlon In H.tLlfl'. p.r.onal In.ur.nc.
the company'. 13,000 .s.nt.o
Oth.r .X.CUtlv.a who'l d,plrtl.lr.. w.rl .oool.lno.d lnclud.d Arthur L.
Sp.ctor, a vice prnld.nt In the N.w York hom. oft1ea, .nd Daniel "lUck"
eC) 1993 IIEIlSDAY IlIe,
~AGI 1
R.nkeR)
R l~ OF 72
O. t.b...
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H041
'AGI
HET LIFE Orop. Ex.c. ^-ld Probl'
I n.l,lunc I : \/hU. .t.t.. lnvllti"Ce pllulbl. .thic. vl01.tiol'l', Bra ..u
I,Ip . .l,Iltl.l11lon.dllll.r rl.tltutll1n affllrt for pllllcyhold.r..
Lo. An,.l.. Tlm.. (LT) . TUESOAY O.c..bar 28, 1993
IYI SUSAN HARRIGAN; GWlN KEULU; NEWSOAY
Edltlol'll HII.I Edltlon S.ctlon: 81,1.11'1.11 P.,.: 6 Pt. 0 CII1. 1
Story Typl: 1I1r.
Wllrd COl,lntl ~37
TEXT:
NEW YOftX . In '1'1 .ffllrt to put . .rowln, .c.ndal b.hlnd lt,
Hltroplllltan Llf. In.l,lrancl CII. on Honday announcad tha flrlnl, r..lll\1clon
or r.tlr...nt of .av.n axacutlv.., a r..tltl,lclon .ffort for pollcyhQld.r.
th.t cOl,lld co.t .. .l,Ich .. $30 ml11lon and. n.w compllanc. prolr.. to
.onitor a,lnt..
In '1'1 lnt.rvl.w, H.rry P. Kam.n, MET LIFE '. chalrm.n .nd chl.f
.x.cl,ltlv., d..crlb.d how the company h.d llnor.d w4rnlnl .111'1' IIf unlthlcal
pr.ctlc.. th.t h. ..1d ba..n 11'1 It. Tampa, Fl.., offlc. .nd .pr..d
.l..whlt. .
You could ..y the cllmpany 1. a 11ttl. too tfl,l.tlnl,' h. ..1d, r.flrrln,
to lncld.nCe 11'1 whlch .ud1tlln told exlCI/tlvlI to .top clttaln pnctic..
.nd 4..l,IIld th.t tha IIrd.r. w.ra c.rrl.d Ol,lt. In on. In.t.nc., h. ..1d,
auditor. at the company'. hom. IIfflc. uncov.r.d practlc.. 11'1 Tampa that
w.r. ccunc.r tc HET LIFE pollcy. Althou,h the probl... w.r. r'port.d to
the .pproprl.t. .x.cUtlv.., no actlon wa. t.k.n.
81,1t, ..ld Kam.n, 'w. know what w.nt wronl. WI'va t.kln corr.ctlv.
.ctlon; wa w.nt to '0 forward.'
Th. comp.ny 1. und.r lnv..ti,.tlon in I numb.r IIf .t.t....lncludinl N.w
York, Florid., Tlx.. .nd P.nn.ylvanl...for actlvitl.. .uch .. m.llinl' to
nur... that dl'IUi..d whole Ilf. In.uranc. a. purlly I rltira..nt
inv..t.lnt. M.ny .xp.rt. con.id.r In.urane. . poor Inv..tm.nt for
r.tir...nt. P.opl. who cI.h whole life Plllicl.. In aft.r . .hort tim. oft.n
flnd th.t .xp.n... h.v. con.um.d .11 th.ir c..h.
Stat. r'lul.tor. 'ppl.ud.d MET LIFE '. .ction. but ..id thay will
contlnl,l. th.lr inv.ati,.tlon.. 'W.'r. ancour'l.d by what wa thlnk 1. a
co.pr.h.n.iv. 'ppro'~h to th. probl..,' .aid Klvin Fol.y, d.puty
.up.rlnt.nd.nc of N.w York'. In.ur.nc~ O.p.rt..nt. But h. .ddad th.t th.
d.p.rt..nt wlll continua to Inv..tllat. tha ..tt.r, .nd it i. po..ibla th.c
HlT LIFE will f.c. dl.eiplln.ry .ctlon or fin.. 11'1 the futur..
Fol.y al.o ..id the d'part..nt ha. balun to Inv..tll.ta oth.r In.ut.r..
H. ..1d h. .xp.ct. to uncov.r .i.ll.r probl... .t oth.r co.p.nl...
(C) 1993 LOS ANGELES TIMES
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PAGE
HETROPOLITAN LIFE OllKPS EXECS. WILL OFFER LIFE POLICY REroNOS
N.w Orl..n. fl... Plc.~n. (NO) . TUESOAY, O.c..b.r 28, 1993
Iy: ROSEMARY HETZLER LAVAN N.w York D.lly N.w.
Edltlon: THIRD S.ctlonl HONEY P'I.I 010
1I0rd Count: 391
TEXT:
NEW YORK H.t Llf. ..ld Hond.y th.t .1x .x.cl,ltlv.., who di.trlbl,lt.4 or
..n'l.d I.ploy... r..pon.lbl. for dl....ln.tlon of ml.1..dlnl ..1..
brochur.., w.r. .hown the door.
H.tropollt.n Llf. In.ur.nc. Co" the n.tlon'. l.rl..t 11f. In.ur.r, .1.0
..ld lt exp.nd.d It. r.l.bur.I..nt pl.n to .ny lndlvldl,l.l ml.l.d into
purch..inl llf. In'l,It.nc. pollei.. th.y b.ll.v.d w.r. t.tlr...nt pl.n..
Co.p.ny .pok....n Ch.rl.. S.hn.r ..1d the in.ur.r wl11 work with r.,ul.tor.
ov.r the n.xt faw w..k. to fl..h Ol,lt d.t.il. of the r..eltution pl.n.
Con.um.r. wl11 th.n h.v. det.il. on how to I.t r.fl,lnd..
H.t Llf. pr.vlou.ly off.r.d to r.fund mon.y to eu.tom.r. who bOl,llht
pollei.. throu,h It. Tamp. offlc., orll1n.lly thought to b. th. ..jor
.oure. of the ml.l..dln, Inform.tion.
But the concrov.r.y h.. wldln.d .ub.t.nti.lly, .nd now H.t Lif.'. ..1..
pr.etlc.. .nd m.t.rl.1. ar. und.r lnv..tl,.tlon In.t l...t l~ .t.t..
lnaludlnl N.w York, N.w J.r..y, C.llforni., T.x.., P.nn.ylv.ni. .nd
Florld., whlch h.. '1Ir...lv.ly pur.u.d the m.tt.r.
H.t Llf. h.. .cknowl.dl.d th.t '0" lndlvldu.l .nd .m.ll bu. In...
pollcl.. w.ra lmprop.rly .old.
Th. comp.ny l..u.d . at.tam.ne lat. Mond.y, whleh ..1d it will eontlnu.
to work wlth tlsulatou to II tab ll.h, 'a prollrlllll of rlltitutlon for any
cu.tomer who WII ml.led Into the purch... of . whole lIf. policy."
'lne In.urer
bu.lnl.., whlch
'WO.',
I. raorllanizlnl Its controv.rslal p.r.on.l 111'1" of
ha. al'l ..tlmat.d 20 ml1l10n pollcl.. .nd th. .ourc. of It.
The top Met offlci.l forc.d out Monday w.. N.w York.b...d ..nlor vlc.
pr..ldent Rlchard H.ur.r, who f.ll.d to .top hl. 'I.nt. fro. dl.trlbutlnl
the que.tlon.bl. m.t.rlal., co.p.ny offlclal. .ald.
Haur.r'. $300,OOO'plu. po.ltlon WI. ellmlnatad Ind h. will r.c.lv.
..v.unc. p.y. "H. trhd to .top thh, bllt ju.t wun't .uaell.ful,' .del
on. H. t .ourc..
Arthur Spector. . vic. pr..ld.nt for p.rlonal In.ur.nc. b.l.d In N.w
York, .1.0 w" let '0.
(C) 1993 TIMES PICAYl1NE
PA9E 2
0'1'11.1 (Riok) Ur.o, branch ..nal.r of the Tamp. dl.trlct, who d.v.1Gp.d
tha Llt.ratuw. and tlohnlqu.. ueed 11'1 Florld1, w.a dl.ll...d " w.r. hl.
bo...., W1IIL.. Latt. .nd J.... Hlllln., vic. pr..ld.nt. of .ark.tln..
Th. dlr.otor of .ark.tlnl ..rvlc.., a.ry VOITH , Latt.'. .nd HlI11n.'
bo.., wa. t.ralnat.d, VOITH r.port.d to "aur.r.
H.t Llf. a.ld oth.r ..ploy... w.r. t.rmln.t.d bator. Honday .nd Gth.r.
wl11 laav. thi. w.ak,
'W. ar. aneour'lad the co.p.ny 1. ownlna up to it. probl..... e.ld K.vln
Folay, d.puty .up.rlnt.nd.nt of the .t.t. Ineur.nc. O.p.rt..nt, 'but our
Inv..tl.atlon 1. .tlll op.n.'
Fol.y ..1d re.tltutlon 1. the k.y to eolvlnl thl. proble..
Copyrl.ht (c) 1993. Th. Tl....Plo.yun. Pub. Corp.
(C) 1993 TIMES PICAYUNE
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Holl.
PAGI
HETLIFE HAY REFUNO $30 HILLION TO CLIENTS REPORT SAYS CUSTOHERS HISLlO ON
INSl1JANCE POLICIES
S.n Fr.nal.co Examln.r (EX) . Tu..d.y, Oac..bar 2S, 1993
BYI Ro....ry H.tllar Lav.n NEW YORK OAILY N~ls
Edltlon: FOl1RTH S.etlon: 8USINESS P'la: B3
Word Count: 361
TEX'l':
NEW YORK H.t Llf. ..Id that .1x .x.eutlv... who dl.trlbut.d or ..nll.d
..ploy.. r..pon.1bl. for di....in.tlon of .I.la.dinl ..1.. brochur.., w.r.
.hown eh. dOllr.
H.tropollt.n Llf. In.ur.nc. co., the n.tlon'. l.rl..t 11ft In.ur.r, .1.0
I.ld It .xp.nd.d It. r.l.bur....nt pl.n to .ny lndlvldu.l .1.1.d lnto
purcha.lnl 11f. In.urane. pollela. th.y b.ll.v.d w.r. r.tlr.m.nt pl.n.. Th.
N.w York Tl... r.portad th.t a. .ueh a. $30 ~11ILon could b. r.fund.d to
thou. and. of CI,I.tom.r.,
H.t Llfa .pok....n Ch.rl.. Sahn.r ..1d the lnaUl.r wl11 work with .t.t.
r'lul.tor. ov.r the n.xt f.w w..k. to fl..h OUt d.t.l1. of the r..eltution
pl.n, Con.um.r. will th.n have dlt.l1. on how to I.t r.fund..
H.t Llf. pr.vlou.ly off.r.d to
pollci.. throulh Lt. Tamp. offlc.,
.ourc. of the .1.1..dLng Inform.tlon.
rafl,lnd .on.y to cueto..r. who boulht
orll1n.lly thoulht to b. the ..jor
But the eontrov.ray ha. wld.n.d .ub.t.ntl.11y, .nd now H.t Llf.'. ..1..
pr,ctlca. .nd ..t.ri.l. are und.r Inv..tll.tion Ln.t l...t l~ .t.t..
lncludlnl N.w York, N.w J.r..y, C.1Lfornl., T.x.., Pann.ylv.nl. and
Florida. whlch h.. '1Ir...lv.ly pur.u.d the ..ttar,
H.t Llf. h.. acknowl.dg.d th.t soma lndlvldual and amall buein...
pollcle. war. I.prop.rly .old.
H.t Llf. 1..u.d a .t.tam.nt lat. Honday, whlch said lt will eoneinu. to
work with ralulator. to ..t.bll.h, ". prolram of r..tltution for any
cu.to~.r who w.. .i.l.d into thl purcha'l of . whole llf. pollcy,-
Th. In.ur.r I. r.orl.nizlnl I~. controvaralal p.r.onal lLn.. of
bu.lne.., which ha. '1'1 ..tl..t.d 20 .illlon pllllcl.. and the .ourc. of It.
WOII.
Th. top H.t offlcl.l fote.d out Hond.y w.. N.w Yllrk.ba..d ..nLor vlc.
pr..Ld.nt Rlah.rd H.ur.r, who fall.d to .top hl. 'I.nts from dl.tributlnl
the qu.aelon.bl. ..t.rl.1., cII.p.ny offlcl.l. ..1d.
H.ur.r'. $300,000.plu, po.ltlon w.. .llmln.t.d and h. wl11 r.c.lv.
..vaunc. p.y. "H. trhd to .top thh, but ju.e wun'e ,ucc'"ful,. .dd
on. H.t .oure.,
(C) 1993 SAN FRANCISCO EXAMINER
P.'.JE 1
RankeR)
R I OF 6
O.tab...
PTS . PROIlT
Hod.
PAGE
Ex.ca Ou.t.d In Het ShAklup Aftar Probe
N.tlond Und.twrlt.r Life l. Health
USN: 0893. g202
Dlcemb.r 27, 1993
p, 1
BY CYNTHIA CROSSON
H.tropolltan Life lna. Co, h.. .nnounc.d . ..jor .h.kaup of It.
p.r.onal lnaurane. olplremlnt .nd oth.r co.p.ny .etlon. in tha wlk. of '1'1
lntlrn.l lnva.til.tlon Into the ..1.. pr.etlc.. of It. famp., Fl.. ..1..
otfle. .nd oth.r offlca.,
Th. dlatrlct s.ll. m.n'lar who h.ad.d Hit'. Tamp. 1.1.. offlc., two
..n'l.r. to who. he r.portld, th.lr al,lp.rvlaor, .noth.r r'llonal offlcl.1
.nd tha h..d of the company'. p.r.onal inaur.ne. adv.ncad mark.t. ,roup 11'1
the N.w York ho.. otflc. have ba.n 'r.ll.v.d IIf th.lr dutl..' and .r.
l..vinl the co.pany, aceordlng to . r.l...., A ..v.nth ax.cutlv., .1.0 11'1
the home offlc., I. lelvlnl ble.u.. hi. po.ltlon h.. bean . 11.ln.t.d , ..id
H.t spokl.p.r.on Charla. Sahn.r,
'Tha.. per.onn.l dction. have b..n t.k.n In ord.r to Itr... tha
..riou.n... With which wa vl.w th... Is.u.. .nd to glv. ua the opportunlty
to pick n.w l..d.rahlp to In.tltutl tha nlw control procldure. to which the
co.pany 1. now committad.' ..Id Hit Ch.irman ana Chlaf Ex.cutlvl Offlc.r
Harry p, Killen,
On. k.y Ixecutiva left In pl.ce Is Ex.eutlve Vlc. Pr'.ld.nt Bob
Crlmmln., who h..de thl per.on.l In.ur.nc. dep.rtm.nt. Wh.n a.k.d .bout
th.t, Hr, S.hn.r said that at the llv.l of ex.cutlv. vic. pr..ldlnt ..ny
duti.. .r. d.l...ted.
H. .dd.d th.t Hr. Crlmmin. 'hat our confldane. and
by the fl.ld fllrc.. No on. 1. batt.r .bl. to
In.ur.nca,' Hr. S.hnlr aaid, aodlng th.t there
eentr.llz.d eontrlll th.n th.rl w.. In the p..t.
TII. sh.k.up clalmld two paopl. In H.t's New York home offlc.; Rlch.rd
H.uror, senlor vie. prlsldlnt of car.er ag.ney op.ratlon.. and Arthur L,
Sp.ctor, vlc. pr..id.nt of. per.onal In.uranc., aov.ne.d m.rk.ts.
Hr, Maur.r Is leavlnl the comp.ny, beeau.e his job hat b..n .11mln.t.d.
Hr. sahn.r ..Id, H.t'. flv. t.rritorl.1 IIfflc.r. will now report directly
to Hr, Crimmin. In.tead of Hr. Maurlr.
Hr. M.ur.r 1.. 'h.rdworklng, honor.bla m.n, and thla do..n't r.flect
on hl., but the fllllnl In p.nond Inaurane. 11 th.t n.w lud.nhlp 11
1'1'.0.0 and. n.w ton. nl.de to b. ..t.'
Wlth r'l.rd to Hr. Sp.etor, H.t had .cknowl.dg.d In '1'1 ..rll.r report
that. ha h.d approv.d the publle.tion r"f 10,000 ..1.. brochurll without
propar authorlutlon, (Su NU, Oac.mbar 13, P'I' 1.)
R.portlnl to Hr. Crlmmln. will b. S.nlor Vie. Pr'.ld.nt John Tw.edi.,
who ha. b..n .ad. relpon.ibl. for .11 oth.r p.rllln.l In.ur.ne. oplr.tion.,
lneludln, 1.1.. tralnlnl .nd prOmotion, compll.nc., und.rwritlnl and fl.ld
co.pen.atlon, Hr. S.hner 'Ild.
Oth.r. l..vln, the company Include 0.1'11.1 'Rick' UraD, . top ..1....1'1
.t on. tlm. .nd the branch m.nag.r of H.t'. Tampa dl.trlct offlc. untll h.
w.. rapl.c.d In Nov..b.r. H. w.. 't.rmln.ted' on 0'0. 27, 1993, Hr, S.hn.r
(C) 1993 INFORMATION ACCESS CO.
I. r.v.r.d and loved
raorlani.. per.on.l
will be much mora
PAGE 2
..i4, b,o,uII '1/. hold hill rupon.lbl.' for th. ..h. t.chniqu.. th.t war.
ulld 11'1 the Tllpa offle..
'Th.t offlc. 1,1..4 pr.-.ppro.ch ..1.. 11t.rltur. '1'14 ..1.. practlc..
which plac.d In.pproprl.t. .nd .o..tlm.. .xclu.lv. ..pha.i. on th.
r.tlt...nt pl.nnlnl ..p.ct. of 11f. In.urane. .nd dl4 not alway. ..k. lt
olur that the product b.lnl .old w.. . whlll. l1f. poUcy,' Hr. Sahner
.lid, .d41nl th.t 'thl Uuo w.y of dOli'll bulin... 11 not HatLU.'. way of
doinl bul1n....'
Hr. Ur.o .ald, how.v.r, th.t the way h. dld bu.ln... wa. in f.et H.t'.
way. H. IIld 11'1 a t.l.phon. lnt.rv1lw that the Ill.. uurlll h. 1,1..4 VII
con.1It.nt with lIurlal I,IlId throulhout th. eo.p.ny .nd hl. trlinlnl WII
al.o eon.l.c.nt wleh H.t tra~nlnl.
'H.t corporat. hlldquarura kn.w .xaetly wh.t w. w.n ..lUnl .nd how
w. .old lt,' h. laid, addlnl h. hll bun dlant up to now b.cauII ha k.pt
.xP.ctlnl th.t H.t 'would .t.nd up '1'14 d.fand th....lv..,'
Hr. Uno .dd h. hu nothinl to apololll1 for and that .b.olutlly no
on. Wll d.edv.d, 'H.t h.ld me up II . roll 1I0dd for .11 mal'll lit. at
H.tLlf." h. ..ld, addlna 'they h.d m. 10 .round the country to conduct
tralninl. '
In m.klnl it. announe.ment, Hit al.o .aid It i. eommlct.d to wllrklnl
With in.urenel r.,ulatnry .uchorltl.. to ..t.bll.h . prOlram of rl.tltutlon
'for any cu.tom.r who w.. mi. led lnto chi pureha.. of . whole llf. poliey
In ~onn.ctlon with the 1,1.. of unauthoriz.d ..1.. 11t.ratur. or IlIprop.r
IIlu practloll, '
H.t h.. alr.ady paid out abouc $11 ml11ion to eu.tom.r.. and that
flaur. could trlpl., Hr. Sahn.r .ald.
In addltlon, H.t .ald lt 1. 8.ttlnl up. 1'1'" .nh.ne.d compllane.
prolram, whlch will aff.et .11 of the eomp.ny'. op.r.tion.,
Hr. K...n .polOllz.d for th. comp.ny'. aetlon., 'I .1nc.r.ly r'lr.t
that In thl. c... w. h.v. not m.t the .t.ndard. w. ..c for our..lv.., and I
.xt.nd to our pollcyhold.r. .nd eu.tom.r., on b.h.lf of H.tLlf. .nd my..lf,
'1'1 apololY'.nd. pl.dl' th.t w. wl11 m.k. .v.ry .ffort to .n.ur. that thl.
dnu not h.pp.n 'sdn,'
R..pon.. fro. th. Florid. In.ur.nc. d.p.rcm.nt, who.. ..p.rat.
inv..eIS.tlon In conjunetlon wlth the attorn.y gen.ral'. offlc., prompt.d
Hit'. .celon., wu muud,
'Cornctiv. action by HetropoUtan Life. In Ulht of Inform.elon that
ha. b..n r,v'll.d. I. an .pproprl.t. r"pon..,' ..ld a .eat.m.nt r.l....d
by Florld. In.ur.ne. COllli..ion.r TOil G.ll,sh.r, 'I am .neouraa.d by thl.
.tlp, hO"'\"r, the O.pt, i. 11'1 the middle of a bro.d.b.ud invut1lation of
the Ixt.nt of wronldolnl by MET LIFE ,and the Inv..tll.tlon wl11
proe..d to conclu.lon. At that tll1', the O'pt. will d.t.rmin. "hat
r'aulatory actlon 18 ju.tifl.d.' .
Th. d.p.rtm.nt h.. al.o ord.r.d H.t to etop p.ym.nt of .x.eutlv,
eo.p.n..tlon and .al.. bonu... untll it ..t. up r...rv.. to eov.r po..lbl.
fln.. 4nd cl.ill.. Accordlnl to tha ord.r, the In~..tls.tlon. 'h.v. alr..~y
r.qulr.d .llnlfie.nt exp.nditur.. .nd ar. .xp.ct.d to r.qulr. .ub.t.ntlal
.xp.ndltura. in the futur..'
Th. d.p.rtll.nt did not 'p.clfy. doll.r amount tor the r...rv., but
want. H.t to co.. up with a filur. ehat lt wlll apptov., .ald d'p.rtm.nc
.poke.woman Karin Chandl.r.
Hr. S.hn.r ..ld thlt H.t i. 'Itudylng' the otd'r, but h. add.d 'WI flnd
(C) 1993 INFORMATION ACCESS CO.
-
12-1'-1113 11:al
....................................
.. .........................
~ ~:,.r I'IlrIJ I CNIoI.. 01'1' I ClI
....1
'Ill 10*1_'_
Ont.........._... .\1 1001"
I
~ I a....
~.IIlI"".
CIllI/.......
Th. HClftOIQII SIJYlrOlll, Curial.
SUplMIMdlnI of WuIlllCll
N.w Vork 'ilia IIlNr'IIICI Dtpe.nllltnl
160W. Dr_MY
New Vork, N. y, lOOI3"'~3
c.r SupatilllelldMl Curial.
Fol/oWin.lIle lullll\CC of I Nolie:. and Order ID Show 011II by rJI. Florida '"'UIIIlClI
Dapt/tlllenl on AUluN 27, 1~3, rtlllillllD "" III. IQ'Ivlllu of onl of OIlr puIOIItJ
Ill'ulIIIca &aJ.. of"ca in rampe. P1orida, MIlUIa Iw _ me 'UbJICl of mulll....
"pJllOry acnulny IIIclldv.r.. cow..... by 11II ,"-,Ia. For MlII.Jf., w~ IIu , 125
YIIl lIIdldon of nwnlll.llilllllt. hllMIl ....dIra of butineu IIhla. ~ unfOI1lll\Ut
aNIlloa I, mOil dllNrQlnl and c:.enain.ly IIOlIn kIepi!I, Willi OW' nOl'llllJ bllll_
PI'lICdCII. W. .iD~ly ....l'Ill11d lpolotira ftlt III. CIOIICIm. IIII.l hIV'II'IIIII. LllIIllI
r....u,. YOll 11I.1 .... IIIv. W. IIId will OClIlanue 10 lIlla .'"V' m~ 10 p....
our poUcyholden IIld 10 ""U,. lIIal OUI IIanlI&med repuWlOll for IO..,ty anc: I'IIr
dallrl,la lIWIIlLUIId.
0......,
Wlm IIIIII&I'IIII~ of OUlIl4. ",unae.l, w, /lave undll1lJrtll. ",mpl," L.aVll'li.~
10 dtllml.llll IllIClIy WhlIOCCllm.d, IIld wIw IOlIOftI W. mllhlltJca 10 ~'IW lhal'UtA
l01I incldlllt wUI nev.r h'PI*l',IlII. n.lnwaJjPlion IIu PI'IIIrtUId ,ubaanalJly.1IId
r am now in · POllllon 10 I4vl.ae you of lhe .. W. VI rallinllO add,," rAil IMIlIt.
TIle in\laulluon .Ulllllllli&lII our prclJmtnuy I!ndUl" IIw on. Of Our IIlea otn_ In
Tampa. florida. which rnarkll.tcl princlpllly r.o nUnet on I lIIuonwi. b&li.. ulld pre.
approacll uJa lilUllU,. and al.. Praalc.t whicb pl&ctd III IlIIppropnala &Il4
IOIIIIlII11U l.clulI\l, .mphaai. on Lhe IIlir'llUlt Planalll,1rplCU 0' Ut. laIul'lllCllIId
did nOllJwaYI mea clw UllIlll. Produa bIlnllOld wu a whol. Uf. POIl~. WNJe
II fa Imponant r.o nOllllllt permanClIIUtllnlllriftca " 11\ Ippl'Oprllle product 10 !unci
Or 'uppllllllru lIllI',m4lll1 plan, beaau.. II proYid.. \I&luabl. in.urance C4\ '''Ia whlll
IUowinl C&Ib ro Iccumulall on I 1&11 .d\IUlIpd bull, it 'I tqua.U~ ImpOIIIIII, and OUr
Rrm potIcy, 10 properly idenlify Ihl ProdUCI bem'lOtd, wh.ther II be U(. U1IUIIIICI,
&.anuill.. or mUlual fund..
\
TJI. buLle of III. Tampa &II.. nwartal wu nOlIppr'o\<ed lrllCall'd4nu Wlm Our IlIIIdlrd
prooeduru. Wlllch e.u for Ul. .ullm'Won of tIICIlllllfIriIU 'or rmew IIIcl apprO\lal by
our "'l1lOl'IfI UW Deplnmenr In OUr HOItlll Office In New York. O\ler a 11\'11'1I year l
periOd, V&riOll. indivldull. in 11II comPllly W"'IWIII of 10m. &apter. of Ill. .illllllOll
IIId on · number of OCCUionlllll mllllllll' of lilt T&nIpa oMu WIt dlIlClad ro re(ralll ,
fro", WI unlPJlm'ed IIltlUlIr'INII, but IllIIonuIllIllY, 1M lntlla.l 'lip, raUn by 11I1
eolllJllllY r.o .top tIla 'COVlty proved U1IUI'l!I_L
rll III'l'i,o, 'II 111":1I1 \lOi,1l ''It, ""nH rmlll!,Ilr, /In ~""MlNor M, WUIlIIIII 1"I'm,,""! 'II
dllllTnlnl wh.mar or nOI any POlicyholder lCQlI1Jy ..... COIIfuwd abolll IloIIu prOduCI
, ~ -~. 11'. .~...........-.. ~_._. ----_."..
i
-_.---- -.-..- - ...-
- 1
.2 .
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I
h. or lilt IlIlI PIUCIIUIo, w. Wl'Dl.I CO "" IfIPrv.lmaNly 11,000 p:eoplt who 11M
pl/I'CIIIMG whol. u,.. inIurw.e poIlcieI frOID IDe Tampa ..,. olft.. ""or co Way J I,
1993, to lIl",ralllal UIIy wtrI c.o~leClly .lI.Itltd. Th. 1',000 in-'"" pIIilayh'11ft
Willi o(l'wIlIlIII opDOlI co ,..W I IIl1l n1ll1tO of prllllll/ma phi' la_, ...........
lIl.i, II'. lIIal1'11101 polley for III UIIuily CAlIauc or ..., lilli, IIUnla, polJ&y, n...
U101/.... III4IYldllolla w_ poUGiIa IIIi IIpaIlI ,lOll_ full rafllnda 01 tbIlr .....
willi ill... W. lIIId 11IlIJ.'" lumber 10 otrw IMi.WIC& CO lIIoeI poIJclybol~...
may Il&YI .. CJIlIIDCIGI aIIouI Uleit opIiou and we CIOIIDllUlIO ., 011I' otJW GPII WIllI
bIyOIli thllIIlny day IinIe frame orip..uy aM. To cIaII, appmlll\Mlly 3f. 01 .... ,
Is.oOO In.. poticyilt'" o( l/Ie TIlIIPI ... otftCllll&YI I'Iqllll&ed NftIDda ..
aWll11d lIMir poliNl (ar IMLlida. To.... lilt ..unl o( I"I~' hie lOlIIId II
"'" of III million.
In IAIdiliOll, Wll'lllltwllllhe 11\II\II" o( ilia TI/l'lp&IIIJ.. ofllet of Ilia chll.itl.... WIt
dil"lClld IIIIt ofllCl, wllleh wu unique in lIIlI I"Iptd. nOllO INIal on a naLion&l bIUa.
PunllltrnON. w, i.ulltd r Jf 'tel dltIcII_1O oW' I,eney (orca I'llinforcinJ l.II.company
polley IllIlIinnl all 11IM lIluaialco IN IjIprowd by ou, corpol"lre Law ~I III
N.w YorlL.
A. a I"IIult of our InVlCpllQD. '*' havelQl'Dld lIIal CIl'tIoin olh" ... olft. UIIlI
prt.a".1I:hooft I.,.,. 1Ii1lliJar 10 lDOII,~~:r, lbI Tlmpa ... office. a1lhou", no""
otllet II.... IIICIl ma.ut 011 I ... Y Ii.lllIIar 10 lIl&I of 1.1I. Tampa Ill. 011IoI.
Sollll unlflPl'OVed ... II*WN, whlQ dIouapl\llWd l.III whol. 11ft prod... IIMI
. .ll"lllld '*'1"InI1II1 PllMiIIIIClIU, .wu IUIIIId by UII KOmi Offtca, UlCI 101M ~_!
I'I"Ilnl"1 matariallUPponIId lIIiI ..... IPP.llWl. W. have l"lvilwed a numblt olotlllr
t1.lclw.. ICDvid.. and have c.onclYd.td IlIaI controls In odIet atUI II wel.I wtl'l1IOl
6i*U11' lip llJ 1I11r ~llUlllKllJ.~_ WIlli, lh&K .t.ak.I lilcnal1lrc I=UIO olreol Ollly a .-L\
percell... Of OIlr u..IlI of UfelnMlllCll ((or uampla, Ill. Tampa olnet iClOOUlllotll for
I... lharI 112 of l" of 0\Il' new penonaj lnSIll'lllCa pfIIIllum dollar.). and whil. pre.
IpprouJa Ilrel'lluI"I i. only one faceI o( 1M anlil"l IIIJII proc...... proceu whldl WI
believe III mOIl illft'D_I,1t no cIoubl iIIlhe con.umer'. mind Illlt h. 0' IbI wu .
PUrcllulll' . whol. IIf. poIlRy-lJle brIIlaIownl In 001I1101. ancI In i"dlvldlll.l
r'lpOIIIIblllty IlIat w. have (ouncl.,. m&IIIn of IIftI cOnClftllo ua and, WI NllOIII''''
10 YOl/.
Th. concema 1"Ils.ed by 0111 lnvadpllon have led III 10 rake "lnlt1canlactlonl 'n tour
UtIlI rMllllulon 10 poUoyholdon; Ita'lI JlUIOIII* mcuul"II: Ih. 1II&b1llllmlllt Itfa IIIW
.y.rem of c.omplllllCl IIId OOIItrol; UId I"IOrpnl.don of ou, ptnOnU Inlu....
operal/on.. I am ~lIcl1nl Iha& lheM ItIpI, which IIl'I olllllnlld bolow I will IlIIIIa
MttUfe atronlll' Uwlev.r and 0IICll1pln . mOclItl fOl tIl. 'ndlllllY.
A 1l"",,"",,<W
W. commll to d.....lop a plan. In conlulWlon Willi your oMet and olher alftclOd IU
rqul&lOII, 1011I11I... U111 any P01JcyhOId<< ill tile counay who w.. milled or dlCli*
.'I~ '~lIj' J~'1l:' ~
1'~.':'~1I'1'1 : 0
.
. I
.1.
inro pul'llAul.q . WIloIlUI. InIllIlAla polj.ty lIu'O",1I our lilt of '1IIfl...""'riI.. ...
III"NII or 'w..... ww ncaw 1'....... 1'Na off. i. IONI.... Wi" ClUJ
lon...~ plUll" #tIf *"LlIIIII lIII& our GUllO""" IInolll.. lilt "....... .,..,
,...
~
'n CIOMIIlion wlUl 011I .trona 10 II\IlIn lIIe /I'IIUI_ of l/Ia hi,,*, bll"-
IIIlMarde ot conclUC& and 100 In.1 . .....I""T'.. IIUI rAal PtODIrly 1111_ III'
00lICIel ", we IN 1IJdn, I number " per" om UIlon. ;::r.. '""IIIMII. " .,..
Tame!: 01.... &he II'IIN,.. to wio.. III ..,mw. &heAr au lOr IIld anocw r l' J /
om U ..'" IIeIn ralllVlli " II*r r. ~".. IIIcI IN .vIn, lIII .'. -1.'
I'IIIWi&I _Ilon. wlU be IIJl8a ..Ii.. .. ..... "or ViOl''''''''' who WIIIM
Ofll..",.oa". " ....IouIlt<:l'Jl.. T.na.y OIlM' 11\011 o( Ill. Illlllllll~_
... UIM.NrI WU UMi by I.Ilt TIIII.. om.. 1II1ddi&lon, Ilia .... 01 0111 Adv.....
Mu'" Unllln UIe Home 0"'01, w... ..... ....an non"pproved III. U"IIIUl...
I. -, rtJleYecI 'Of Ilia *POl!lIbWIi. IIld I. I.., ell. compul~,
Oytr U1. 'Ul,i. mar-lN. \her. have .... . nUlllNr of 011I" indlYlOU&l, in our ,.--&
'n,""". Dep&rwllll who IIIv. *' dial.... or lI.v. 1'..11'*, or hav.lI...... ro
~ 1II1111~ re&.lremllll PI'OpMl, In Iddlllon to III. lorm. h... of IN Sou...... ..
T.rrllOly, wlto,.Urad Iaa y., MOUIIr twO a' OIIr ftv. lerrilDriIl otft...'noChup
"IY. f.ft Dr 1I'.lavln,lIla compl/lV. W. have ...,1uId ...ncy VICl'Pr8li.clMlI. II,...,.
IIIIIIII" and II!ft Np.-.liva wll.. IIICb UlIon .PJIIII'lld \\111IIII.....
FllnJlannOll, II . raull 'Of UIe I'IOI'pIIizaion 'Of allr pIIIOIlII Inlllll/lC. optllliOlll.
. which I wiU GIIlIi". bilow, lha poalUGn of llDior YiCl'pruld*11 In ell.,.. 01 cu.ar
'11IlC)' ,,*,110". wtJl be tJlrnllWall. 'I'M IlIdlvidU&l who h.ld IIIIt poallion, 10 whom
th. flv. IImlOrial Olftcan.in-Cll&ra. "pJR*!, haa dlOIIIII(lI'lliIl.
Som. 01 Gill' criUClI hav. aald lIw W. IIIoLIlcIlllw &cleG In ...'" IIu&a In order 10
Illv. wi.f1ed lha media. WI dlo.. lnuA1llO Galarml,", III. fll:U ftm IIICi 10 ICI ill.
Pllldenl &no Judlcloll. mann.,. On..... lit our corporall ClIllu.. IJII1 W. III pr'IlUId
of I. IIIIt MIIll.II. lrelll Iu of"CllrI WI empI.oywa II t'.mily. Bullll. 'VIIr.,. 01 our
poUcyholclen mIW COIIII ftm I/IlI WI mUll III tII. ri.1l1 '.llIlpla for ou, oilier .7,000
.mpl~.
IHMANCIlD ~OM.UANCIl ANn C~tn'IIOL p.ntl..u~n
Willi III. IJPI'OV&l 01 ollr IIoIIlI 01 DirIcton 11I0 Iu ,4udJl Comml.., WI ....
Impllllllntllll In arnbldoll. PI"Of"'" 10 .u.. M-uJI.'. COmplll/lCll II'ld CIOftvol
'YllItIII. TIll. prof"'" cnaIII . IIl1111b1r 01 nlw IIICI eaPMdId orpA'utlWl
MICNrII. incllldinl . ."...... SIIIIduU Commlnee. comprlllll 01 m'lI\bItI "
tot.lUl.'. COrporal. MII'IIIIlIl.nl Oltlce, 'Corpon. CUllom" Illllllon. Dlpamntnl
reponln. dlraauy 10 U1. 'rNlclllllancl Oal., ()panan, OfnClr, and . Corpollllldllca
. '., it''':',
I ~.,,:, ~i"H ':'~
;:lrr CI. ~z :'3IJ
...........................................................................................~...........
,
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aM ColI..,. Commlllll '111"" lIy 1M aLat COIIIl'Il11111 IJ"'-. wllo ''''11I10
1M. llN ."pnalll. n.wl, 1ppOII\,. 1lUI""" &cIUa .... Compj,- Oftlocn
,~ II -".. UM of IN."",. III. ,lp.,-" NIt ",'-w.
".. IlftI .,... tlIIIClU...., to..,. willi . 1lOIlI'....Ii. '"""'" of
commull...lIIOII.... "''''"', mOlllto""1111i llllpi.nln_ ...... willtlUUN.h..
UuI Ivll_ ~~... ""11Io,.0 IllNUIIaouI MaUlt IiO ...,.IM our .r;lOrIII"'lI\W
II' 1UI1G11, l'Il1 UIO III full ClOmpl~ W1l/llllapplJcaIIIa law. .... f'II\IlIhI..
~Q1W..J1I!U1I"N~'lQ~"Rn.nr~'OA~~~
W. haw .. I/lI1OUIIClId 1Ild1' I """"'... III .. ,..".., ...._ ~t
10 ,reM. I lIir11t "POnl", "_nllll, from 11II OM-..'"~, Of our II,.. ...
lII'rilOl1tl 10 ..'Wive V"P_Gltll .. Crill.,... SIlIior V..".. JolII
or. 'It flu .. made r.,.lilllt for III ..,. ..LI ,,",--- 'Pill il1l',
lneI..... .. IrIiIWII .... pl'Dmoao., ClllIIpu..n.. 1III_l'l... ... "*
llOIIIp-,"... WI, Tw- lj" w/lo will """" "Mr. CrilMlilll, ""l'III.._,. '11l1l1
ani chW...w. oM. of Med.ll.'. Cw.dIa opII'IUllIII 1M WU 1N'IVI00000y till
COfIIpltly'. clIJfIllIIIIIIy.
III. OUr - I/Iu 11I1 &coon. WI hlY8 ouLlLald Ia rNa I.. WIJI k. pO'III\'I.ff..
'n IIWrIIllDponul WlY.. I'lm, we IIopt 10 .....,........10 "" pullllo "". M.url
~IIMI bIIII. our NplIIlIlon (0' hOlltlly ILId btlllril)' lIy kIiIIM.1IIe WII(.,. Ii ou,
pollcy~ u Our numlllt one pI'Ion'Y. ST 1" we hopll.laar 11II.... IlMllOdIy
wm ".. IIIIlIWlll 10 )'0\1 and 10 alii. "I\Ik&ora IhI.I 'Nt IItIII ID .. III ""
"T IIIIy ""'101d~ 11I1.11I&II., '" I OODlpa.6.lIive 1M deIlIl. My. ~,."..
will hi", COIIftrmecs to our .mplo~ 1II11111ey ClNI placa 11III, .11I"'" eontldlll" In
Mtt.UI,'. 11IIII""11II11 lam 10 lice our probltmc IIeId 011, 10 ",III wronl' ,,"'" lIlIy
an ,,~ WIO po.llion Ill. C:OIIIPl/ly 10 ClOrapera ",I'IIIiYlly, ~ (aJ,'~'. in 1M
YIIII ....
~n
I'~~" - .
HMy P. IIIIIl
ClIai'IIIIII o( &he ..", IIld ChI,( I!xlCull\/ll om",
c.m.27. 1"3
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",.\. ,t',....
I.~ .1tI,;H~4 "'4
':= t ": r.'1f. ~ ~': :13'J
.") 'i';'t,l, n''I'~
r 4-':'fll'l'4 : 4
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EXHIBIT IlLll
II
R.nk(R)
R 12 OF 72
O.Ub...
PAPUa
'AG~ 1
Node
PAIlI
HET LIFE S'Y' LaWYlr., Chl.f Kn.w of Hal1lnl'
In.ur.ncI: 01.clo.ur. r.i... nlw qu..tion. in conelnulnl probe of l.tt.r.
th.t pu.hld poUc 1'.. II retinlent lnvucllanu.
Lo. Anl.l.. fl... (LT) . FRIOAY J.nu.ry 14, 1994
Iy: From .loo.b.rl Bu.ln... New.
Edltlon: Hom. Edltlon S.ctlon: BI,I.ln.l. P'II: 3 Pt. 0 Col. 4
Story Typ'l 1I1n
Word Count: 292
TEXT:
NEW YORK. Hltropolltan Llf. In.ur.nel Co, dl.elo.ad Thur.day th.t It.
prl.ld.nt .nd a.nior laWYlr. kn.w for month. .bout qu..tlon.bl. .all'
promotlon l.ttlr. b.for. the .al11nl' war. .topp.d 1.lt y..r.
HET LIrE, tha n.eion'. b111..t ..llar of 11ft In.uranc., eaid
l.wy.r. .t It. Naw York h..dqu.rt.r. .pproved l.tt.r. ..nt by rh. company'.
Tamp., Fl... offlca from mld.J.nl,l.ry throulh Sept..bar.
Thl l.ttlr., pltchlnl In.ur.nc. a. . r.tlr.mant plln for nur.I., ar.
b.lnl lnv..tlllt.d a. potlntial .vldlnc. of decaptlon 11'1 at l.a.t 17
.t.t...
Thl company'. .cknowl.dgm.nt r.l.l. naw conelrn. wlth lnv..tllator. It
a tim. whln the troublld In.urer had baan tryinl to lay the eontrov.r.y to
rllt.
"Thl. dl.elo.ur. ral.~. qUI.tlon. for top HET LIFE manal.mlnt th.t
wa now lnclnd to pur.u., " .ald Thom.. T.w, Florlda'. la.d lnv..tllltor.
'"For 01'11 thlnl. lt ral... qu..tlon. a. tll wh.thar the companY'1 prior
dl.cipllnary Ictlone er. a cov.r.up."
HET LIFE la.t month dllml.l.d ..ven mid.l.val and .enlor
Ix.cueivI., .aylng th.y had f.l1.d to .n.ur. that the Tampa eal.. leetlr.
w.r. proparly authorlz.d, Thl hllh..r.ranklng eXlcurlval l.t 10 wlr. Sanlor
Vlcl Pr..idlnt Rlehard Haur.t, the comp.ny'. No.2 per.onal In.ur.ncl
.xleutlv., and Arthur Sp.ctor. I vle. pra.ident who d.v.lop.d .al..
brochurll.
Rlch.rd M.nd.l, the eomp.ny'. top p.r.on.l In.ur.ncl lawy.r, d.nl.d
th.t the h..dquartan'.pprovad l.ctln w.n mbl..dlnl. '
"All the l.tt.r. w. .pprov.d 11'1 1993 war. parf.ctly lood from. 1'1.1
polnt of vllw," ..ld Handll, a vlc. pr..ld.nt who .up.rvl... mora th.n 20
I'WYlr.. "Th.y .11 m.de cll.r r.i.r.nca. to 11fl In.uranc. or p.rm.nane
lif. . "
M.ndll ..1d tha home offlc. l..t y.ar .pprovad four l.tt.r. that war.
mod.l. for lIa.. maillnl' from Tamp. for 8 1/2 month..
(C) 1993 LOS ANGELES TIHES
R.nkeR)
R 31 OF 72
TOP HET LIFE OFFICER KNEW OF S"US UTTER
Hlaml Her.ld (KH) . FRI J.nu.ry 14, 1994
Iy: Bloa.barl 11,1.11'1'" HI~'
Edlt1on: FINAL S.ctlon: BUSINESS P..e: lc
1I0rd Count: 624
'''GE 1
Holle
'AGI
OIUb...
PAlU.
TUr:
H.tropolltan Life In.ur.nee I.ld It. pr..ld.nt .nd ..nior l.wy.r. kn.w for
.onth. .bout ..1.. lltt.u thlt pro.pted.n In',"ei,.Cian for pOlllbly
ml.1eadlnl ..1.. pitch..,
HIT LIIE, the n.tion'. bllle.t ..ll.r of 11fa in.ur.nce, ..1d Thur.day
that lavy.n .t it. H.w York hlldqu.n.n eppro".d lateera lint by the
ea.p.ny'. Tamp. offlce fro. .id.J.nuary 1993 to the .nd of S.pt..b.r. And a
HIT LIFE .pok....n .lid Pu.ident T.d Athan...l.d.. l..rned .bollt
nvl..d, approv.d l.tt.n l..t July Ie . mut1nl.
HIT
nCiu.ent
in .t h..t
LIFE , which usad ..1.. 1.tt.r. ta m.rk.t in.ur.ne. .. .
pl.n Cor nur..., 1. under lnve.tiletlon tor po..lbl. dlc.ption
17 . tit.. .
Howav.r, Richard H.nd.l, thl co.pany'. eop p.r.onal in.l,lr.nca lawy.r,
d.nl.d thlt the l.tt.r. ..nt out 11'1 thl. p.rlod w.r. mi.l..dlnl, H. ..id
th..a l.tter. h.d ba.n prop.r1y revieed and approvad by HET LIFE
h..dqu.rt.r. to lndlcat. th.t llfl lnaur,nc. w.. the .ervic. b.lnl .old,
"All th. l.tt.r. we .pprov.d in 1993 w.re perf.ctly lood fro. . lelal
polnt of vi.v," .ald H.ndel, a vlc. pra.ld~nt who .up.rJl.a. more th.n 20
l.wyare. "Thay ell m.d, claar t.far.nce. to 11ft In.ur.nc. or par.an.nt
Uf.."
Stlll, lnv..tll.tor. I'y th.y'r. loln~ to 'Xlmlne clo..1y the
co.pany'. .eknowlldgm.nt that top offlclal. kn.w abOl,lt tho lett.t..
"Thl. dl.clo.ure r.l.a. qu..tion. for top HET l:7E lI.n'l.m.nt
that w. now Intand to punue. " .lid Tho... rew, f"lorid.,. llld
lnv..t1lator. "For on. thlnl, It r.h.. qu..tion. 15 to wh.thlt the
co.p.ny'. prlor dlaclpUnary action. .n . coverup." T.v 11d h. h.. Ju.t
b'lun examlnlnl the uvilld ..1.. httan .. p.rt of hh lr,' lItil.tion,
Th. coap.ny l..t .onth dl..l...d "Van 1I1dl.v~1 .nd ..nlor
ax.cutlv.., '.ylnl th.y failed to en.ut. that the Tamp. e..e. l.tter. w.ra
properly .uthorlud. The mo.t IInior .x.cutlv.. tarl.t.d loI,'n Sanior Vlc.
"r..ldant Rlch.rd H.urer, the co.peny'. No. 2 paUonal.in.ur,:~ce axeeut1ve,
.nd Vlce Pr..id.nt Arthur Sp.ctor, who dev.lop.d eal.e brOChure.,
M.ndal, who w.. dllilln.tad to ,puk for HET LIFE , G !lId the home
offle. .pprov.d four form l.tt.u h.t yalt th.t w.n ulld .. ~he b.li. for
Tamp." .... ..1Iinl' for 8 1/2 month..
(e) 1994 THE HIAHI HERALD PUBLISHING. Co,
ynJ,:rClA'1'IO~
. ,
Subject to the p.naltie. of lS Pa. C.S. 54'04, relatinq to
un.worn tal.itiaation to authoritie., r hereby certity that I
have r.ad the for.qoinq Compleint and that the tact. .et forth
therein are true and corr.ct to the be.t of my
l
intormation and beliet./ .'
Dated I
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GAMY VOITH,
Plaintiff,
IN THE CO~T OF COMMON PLEAS
CUMBERLAND COUNTY, PENNSYLVANIA
No.7 '-13 CIVIL 1994
CIVIL ACTION - LAW
v.
MET~OPOLITAN LIFE INSURANCE
COMPANY,
Defendant
JURY T~IAI. DEMANDED
NOTICE
You have be.n sued in court. It you wish to detend again.t
the claims set torth in the following pages, you mu.t take action
within twenty (20) days atter this complaint and notice are
served, by entering a written appearance personally or by
attorney and tiling in writing with the court your defen.e. or
objection. to the claims set torth against you. You are warned
that if you tail to do so the caae may proceed without you and a
jUdqrnent may be entered against you by the court without turther
notic. for any money claimed in the complaint or tor any other
claim or reliet requested by the plaintiff. You may lose money
or property or other riqhts important to you.
YOU SHOULD TAKE THIS PAPE~ TO YOUR LAWYER AT ONCE. IF YOU
DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO O~ TELEPHONE THE
OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP.
COURT ADMINISTRATOR
Cumberland county Courthouse
4th Floor
Carlisl., PA 17013
(717) 240-6200
NOTICIA
Le han demandado a usted en la corte. si usted qUiere
defender.a da estas demandas expuastas en lad pagina. siguianta.,
usted tiana viante (20) dial da plazo al partir de la faoha da 1a
demanda y la notiticacion. Usted debe presentar una aparienoia
escrita 0 an persona 0 por abogado y archivar en la corta an
torma .serita sus detansas 0 aua objeeiones alas demandas en
contra da su parlona. Saa avilado qua a1 ult.d no sa d.fienda,
la corta tomar. medidal y pueda entrar una orden contra uatad .in
pravio avilo notitieacion y por cualqu1er qu.j. 0 alivio que ..
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