OPERATION OF VA LIFE INSURANCE PROGRAMS HEARING BEFORE THE SUBCOMMITTEE ON COMPENSATION, PENSION, AND INSURANCE OF THE COMMITTEE ON VETERANS’ AFFAIRS HOUSE OF REPRESENTATIVES ONE HUNDRED THIRD CONGRESS FIRST SESSION SEPTEMBER 23, 1993 Printed for the use of the Committee on Veterans’ Affairs Serial No. 103-27 ae U.S. GOVERNMENT PRINTING OFFICE 76-208 oe WASHINGTON : 1994 "or sale by the U.S. Government Printing Off Superintendent of Docume, CConseisionl Sales Offic, Washington, DC 20402 ISBN 0-16-044228-1COMMITTEE ON VETERANS’ AFFAIRS G.V. (SONNY) MONTGOMERY, Mississippi, Chairman DON EDWARDS, California DOUGLAS APPLEGATE, Ohio LANE EVANS, Ilincis TIMOTHY J. PENNY, Minnesota J. ROY ROWLAND, Georgia JIM SLATTERY, Kansas JOSEPH P. KENNEDY, Il, Massachusetts GEORGE E. SANGMEISTER, Ilinois SILL L. LONG, Indiana CHET EDWARDS, Texas MAXINE WATERS, California BOB CLEMENT, Tennessee BOB FILNER, California FRANK TEJEDA, Texas LUIS V. GUTIERREZ, Llinois SCOTTY BAESLER, Kentucky SANFORD BISHOP, Georgia JAMES E. CLYBURN, South Carolina MIKE KREIDLER, Washington CORRINE BROWN, Florida BOB STUMP, Arizona CHRISTOPHER H. SMITH, New Jersey DAN BURTON, Indiana ‘MICHAEL BILIRAKIS, Florida ‘THOMAS J. RIDGE, Pennsylvania FLOYD SPENCE, South Carolina ‘TIM HUTCHINSON, Arkanses ‘TERRY EVERETT, Alabama STEVE BUYER, Indiana JACK QUINN, New York SPENCER BACHUS, Alabama JOHN LINDER, Georgia CLIFF STEARNS, Florida PETER T. KING, New York Mack FLEMING, Staff Director and Chief Counsel SUBCOMMITTEE ON COMPENSATION, PENSION, AND INSURANCE JIM SLATTERY, Kansas, Chairman DOUGLAS APPLEGATE, Ohio LANE EVANS, Ilinois GEORGE E, SANGMEISTER, Illinois CHET EDWARDS, Texas FRANK TEJEDA, Texas MICHAEL BILIRAKIS, Florida. TERRY EVERETT, Alabama CLIFF STEARNS, Florida PETER T. KING, New York (m)CONTENTS September 23, 1993 Operation of VA Life Insurance Programs . OPENING STATEMENTS, Chairman Slattery Hon. Michael Bilirakis WITNESSES Vogel, R. John, Deputy Under Secretary for artment of Veterans ogal, R. John, Deputy, Under Becretary for Benet, Oeiisielptia Be al Office and Inserance Center, end Paul Koons, Ascistant director for Mes oe TE Associate Leia ies ary Be Lary ., Deputy Director of Loginlaiive ‘Aiate, Noa" Gommisioned re Propared slatement of Mx Rthea Manhan, Bob, Assistant Director, National Legislative Service, Veterans of Wars roared st steigimeat of Mr. Manian Violante, Joseph A., Legislative Counsel, Disabled “American Veterans ‘statement of Mr. Violante Partridge, Colonel ‘Charles C., USA Gee? lative Counsel, National Asso- ciation for Uniformed Services Society of Military Widows Prepared statement of Colonel Partridge MATERIAL SUBMITTED FOR THE RECORD Statement: ‘The American Legion . 2