More than 70,000 service members and former service members are due some $70 million in refunds or policy upgrades based on a settlement between American Amicable Insurance Co. on one side and the Justice Department, insurance commissioners from 42 states, Washington, D.C., and Guam, and the Securities and Exchange Commission on the other. American Amicable does not have to admit to or deny allegations that it improperly marketed and sold insurance to junior ranking service members. However, American Amicable may not do business on U.S. military bases for five years. In addition, the company is barred from: using allotment or MyPay forms for insurance premium funding; accepting applications from soldiers in pay grades E-1 through E-3 without proof they have been counseled according to Army regulations; and offering gifts worth more than $5 to those with direct authority over service members in pay grades E-1 through E-4. Visit www.gainsurance.org.