Dale F. Ogden for Insurance Commissioner

Dale F. Ogden
Libertarian
for
California Insurance Commissioner
Honest, Competent
Insurance Regulation

I, Dale F. Ogden, am qualified to be California Insurance Commissioner by a lifetime of experience. I am founder of an insurance-oriented consulting firm in Los Angeles (established 1987) and have 28 years of diversified insurance and regulatory-related experience. I am an actuary with professional credentials for life-health and property-casualty insurance and have experience in virtually all areas of insurance. Among my hundreds of clients, I have consulted with and provided expert testimony for state insurance commissioners, executive agencies of the federal government, executive and legislative branches of state governments, and state-created automobile and workers compensation insurers and guaranty funds. Insurance is very competitive; literally hundreds of insurers compete for your business. I've helped improve insurance regulation by drafting laws and regulations and designing policies that streamline regulatory processes, eliminate dead weight, and let competition work. The budget of the Insurance Department has increased from $28 million in 1988 to more than $150 million. Vast resources (taxpayer money) are wasted on redundant and useless regulation. I can reduce that bloated budget by at least $100 million without eliminating any meaningful services. Through my experience with insurance regulation throughout most of the fifty states, I've seen what works and what doesn't work; I've seen the harm done by both excessive zeal and abuse by elected and appointed politicians for their personal and political benefit. I would not make those mistakes nor commit those abuses. I have never held political office and, if elected, would never seek another political office.