Insurance and Licensing

As we have seen throughout Mercier’s presentation, it is the acceptance of benefits that marks the existence of a contract and most of the important contracts that govern our lives today are invisible. Here in Part Nine of his immense letter to Mr. May, Mercier outlines two additional, generally unsuspected ways that we become subject to the King.

[QUOTING:]

Insurance Programs

[How else do we become subject to the King?] Through entry into the juristic highways of Interstate Commerce by participation in an insurance policy program, as insurance is Interstate Commerce, and the King retains a third party beneficiary status in all Commercial transactions that fall under his regulatory Commercial Jurisdiction penumbra. In 1944, the Supreme Court decided a Case called United States vs. South-Eastern Underwriters Association, which held that insurance, all by itself, is Interstate Commerce; so if you manage to participate in policies of insurance, you are participating in Interstate Commerce; Federal commercial benefits are being accepted, and the reciprocal quid pro quo taxation is necessary. The fact that the insurance company may be state chartered and licensed to do business in only one state, and that the policy may have been negotiated, accepted, written and entered into in only one state are not relevant indicia as effecting limitations on federal Jurisdictions; persons paying premiums on policies of Insurance are persons playing in King’s Commerce.  A year later after United States vs. South-Eastern Underwriters Association was ruled upon, the Congress enacted the McCarren Act, declaring that the:

“... continued regulation and taxation by the several states of the business of insurance is in the public interest, and that silence on the part of Congress shall not be construed to impose any barrier to the regulation or taxation of such business by the several states.”

Yes, even the Congress of the United States knows that the application of Principles of Nature relating to silence that are incorporated into the Ratification Doctrine is even held to be binding on them in some circumstances. This Congressional pronouncement, that silence in the context of a proposition being made constitutes acceptance, applies to all appropriate factual settings, and is held to apply to all persons, even the Congress itself. But as for taxation expectations, your acceptance of the benefits of an insurance program is deemed as evidence of entry into Interstate Commerce, and hence such participants are an object suitable for Federal taxation, regardless of any political Status, and regardless of the presence or absence of any other juristic contract.

Federal Licensing Programs

[How else do we become subject to the King?] By experiencing the direct benefits of Commercial enrichment acquired through a Federal license program, such as being an SEC registered stockbroker, or an ATF licensed manufacturer of fireworks, which is an obvious pursuit of federally participated profit or gain. Several federal monopolies were designed specifically for the existing participants to experience intensive Commercial enrichment in, as the net effect of a regulatory jurisdiction is to discourage potential new market entrants from competing with established corporate titans.  In any market there are only so many potential customers available, and excluding new upstarts allows existing Grandfathers to have a bigger slice of the pie they would not otherwise be experiencing.  For example, the creation of National Banks by the Congress, through the Comptroller of the Currency, is one such monopoly designed to enrich existing market participants, while shutting out new banks and damaging the end consumer. In any one demographic banking district, there is only so much business to be had; cutting out new entrants keeps a bigger slice of the banking pie for the owners.

The secondary consequences of restraining the number of new market entrants politically are elevated prices the end consumer winds up paying, constricted services and retarded technological innovations.

[END QUOTING]