This group identified three issues to discuss with the Senator: 1. the exclusion of agent commissions from the MLR calculations mandated by the new federal healthcare law; 2. the negative impact on the ability to serve middle market consumers if regulators apply across the board, a 'one size fits all' fiduciary standard on all transactions vs. the suitability standard; and 3. the need to maintain the tax favored status afforded insurance products under current law, to help insure the financial security of millions of Americans.