1. Clean up the insurance industry. Eliminate special-interest protections, collusion, over-pricing and industry-wide practices that too often injure the interests of the insured when they are most vulnerable. Prohibit bad-faith insurance practices, such as avoidance of obligations and price fixing.

2. Enact single-payer universal health insurance. Until single-payer is established, we support laws that act to make insurance policies transportable from job to job.

3. Support and encourage the insurance industry's efforts for "loss prevention," that is, to reduce the incidence of death, injuries, disease and other calamities.

4. Support initiatives in secondary insurance markets that expand credit for economic development in inner cities, affordable housing and home ownership among the poor, sustainable agriculture and rural development maintaining family farms.

5. Prohibit companies from being the beneficiary of insurance on their own employees.