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The question on our program was perhaps suggested by the remarks of Col. H.P. Dunham, Insurance Commissioner of Connecticut in an address before the Albany Field Club in March of last year (reported in the Journal of Commerce for March 18th) in which he said: "At the outset, let us admit that there are too many insurance companies and too many insurance agents." If we accept this as a premise we might immediately concur in his conclusion that "the crying need is for fewer and better companies," but it would appear more in keeping with our position as impartial investigators first to examine the premise.