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1995 Authority Fraud agent ance application approval Article assets Association Authority Fraud Fraud China Chinese claim Commissioner company's Competent Authority corporate Council draft coverage criminal dispute economic employee Enactments by Phillip enforcement estoppel federal foreign insurance companies Fraud Fraud Subpoena fraudulent Funding Government Regulation Illegal Act Penalties Immunity Illegal Act individual Insurance Code insurance contract Insurance Counsel insurance fraud insurance industry insurance law insurance market insurance policy insurer's issue joint venture license Life/Health Fraud-Related Enactments Mandatory Immunity Illegal Michigan courts Michigan Supreme Court million Minister of Finance misrepresentation NAIC offense party person Phillip E physician-patient privilege plaintiff premium punitive damages regulatory reinsurance Republic of Indonesia rule Section Selected Life/Health Fraud-Related Shanghai Regulations SIU/Fraud Miscellaneous Plan Stano May 1995 statute Subpoena Subpoena Reporting Reporting Supreme Court tion U.S. dollar Unit Unit Power viatical company viatical settlement viator waiver yangban