Reforms can help end our political gridlock; Guest Column - Insurance News | InsuranceNewsNet

InsuranceNewsNet — Your Industry. One Source.™

Sign in
  • Subscribe
  • About
  • Advertise
  • Contact
Home Now reading Newswires
Topics
    • Advisor News
    • Annuity Index
    • Annuity News
    • Companies
    • Earnings
    • Fiduciary
    • From the Field: Expert Insights
    • Health/Employee Benefits
    • Insurance & Financial Fraud
    • INN Magazine
    • Insiders Only
    • Life Insurance News
    • Newswires
    • Property and Casualty
    • Regulation News
    • Sponsored Articles
    • Washington Wire
    • Videos
    • ———
    • About
    • Meet our Editorial Staff
    • Advertise
    • Contact
    • Newsletters
  • Exclusives
  • NewsWires
  • Magazine
  • Newsletters
Sign in or register to be an INNsider.
  • AdvisorNews
  • Annuity News
  • Companies
  • Earnings
  • Fiduciary
  • Health/Employee Benefits
  • Insurance & Financial Fraud
  • INN Exclusives
  • INN Magazine
  • Insurtech
  • Life Insurance News
  • Newswires
  • Property and Casualty
  • Regulation News
  • Sponsored Articles
  • Video
  • Washington Wire
  • Life Insurance
  • Annuities
  • Advisor
  • Health/Benefits
  • Property & Casualty
  • Insurtech
  • About
  • Advertise
  • Contact
  • Editorial Staff

Get Social

  • Facebook
  • X
  • LinkedIn
Newswires
Newswires RSS Get our newsletter
Order Prints
September 10, 2017 Newswires
Share
Share
Post
Email

Reforms can help end our political gridlock; Guest Column

Capital (Annapolis, MD)

Is it just me, or does it seem to some of you that the wheels are coming off our national political system?

Allow me to vent, please, as we look at our current dilemma:

Thanks to the Electoral College and nearly 63 million voters, we have a president who is manifestly unsuited and ill-prepared for the job. He was duly elected under arcane rules that have denied the presidency to the popular vote winner in two of our last five national elections. In 2016, that meant his opponent got nearly 3 million more votes - and lost.

Thanks to gerrymandering and big money, we have a Congress that deadlocks over everything from health care to tax reform. It takes a disastrous hurricane to get anything done quickly, or to even kick the can down the road for three months.

Thanks to partisan redistricting and, again, big money, there is precious little turnover in Congress. Last year 97 percent of the House incumbents who stood for re-election won and 93 percent of senators who sought re-election succeeded. More often than not, incumbency equals job security.

Big money also has given special interests maximum leverage in Washington. No surprise, because campaigns have become ever more costly.

Former Texas Sen. Phil Gramm had it right when he said, "Ready money is the mother's milk of politics." As if to prove it, a record $55 million was spent earlier this year in the special election to replace Tom Price in Georgia's 6th Congressional District, most of it on behalf of the Democratic candidate, who lost. This demonstrated how hard it is to win a seat that has been skillfully gerrymandered over the years.

Look as well at what the U.S. presidency has become. It is an imperial office today, with vast powers to rattle nuclear sabers, tear up trade and international climate agreements, dismantle domestic programs and pardon convicted criminals.

The executive order is today's all-purpose tool of convenience, used equally by our current and former chief executives. Occasionally, as in the case of the evolving travel bans, the federal courts step in. But most often, a stroke of the presidential pen prevails.

Nothing illustrated the current congressional fecklessness better than the Republican failure to repeal and replace Obamacare. After seven years of pledges and promises, the GOP leadership was unable to control the conservatives in its own caucus and deliver the votes to pass a substitute version.

Neither is tax reform likely to be any easier. Or the much-promised trillion-dollar infrastructure bill, or immigration reform or any of the other big-ticket items that were supposed to be adopted now that one party controls both houses of Congress and the White House. Gridlock is what we get instead.

I'm not sure this is exactly what the founders had in mind when they drafted the Constitution and Bill of Rights and created a system of checks and balances. Congress was supposed to be a co-equal branch, not a frustrated and frustrating cave of winds.

Three things could make our democracy more democratic: nonpartisan redistricting, serious campaign finance reform with spending limits and expanded public financing, and revising or scrapping the Electoral College.

Direct popular election of the president will not solve all our problems, but it certainly will better reflect the people's choice. Independent redrawing of congressional districts, based on population, not partisan politics, will make more races competitive.

Gerrymandering is a bipartisan passion: The Democrats in Maryland are every bit as adept as the Republicans elsewhere. In Maryland, the politicians choose their voters, not the other way around.

And reforming the rules on campaigning, limiting the time and money involved, will open the process to more candidates and reduce the influence of special interests.

None of this will make for a perfect system. But it would be fairer, less beholden to the powerful groups that distort it today and yes, more democratic, with a lower-case "d."

Terence Smith is a journalist who lives in Eastport. His website is terencefsmith.com. Contact him at [email protected].

Credit: Terence Smith

Older

Bravo President Trump — maybe

Newer

6 Tips for selling a home that isn’t easy on the eyes

Advisor News

  • House panel votes to raise certain taxes, transfer money to offset Medicaid shortfall
  • Iowa House backs temporary tax hike to fill Medicaid gap
  • Iowa Medicaid temporary tax plan draws sharp public opposition
  • Charitable giving planning can strengthen advisor/client relationships
  • New $6K deduction could provide tax planning window for retirees
More Advisor News

Annuity News

  • We can help find a loved one’s life insurance policy
  • 2025: A record-breaking year for annuity sales via banks and BDs
  • Lincoln Financial launches two new FIAs
  • Great-West Life & Annuity Insurance Company trademark request filed
  • The forces shaping life and annuities in 2026
More Annuity News

Health/Employee Benefits News

  • When health insurance costs $2,500 per month, families make tough choices
  • In U.S. Health Insurance Market, Consolidation Of Insurers Is Increasing Premiums
  • Health insurance jargon can be frustrating and confusing – here's how to navigate it
  • Minnesota Blue Cross CEO steps down from Sutter Health board over conflict of interest
  • 'No-cost" Lantern surgical benefit has modest early use from SHP members
More Health/Employee Benefits News

Life Insurance News

  • Murray Giles Hulse
  • New individual life premium hits record-setting $17.5B in 2025
  • Maryland orders Cigna to halt underpaying doctors or give cause
  • Insurers optimistic about their investments in 2026
  • AM Best Affirms Credit Ratings of PVI Insurance Corporation
More Life Insurance News

- Presented By -

Top Read Stories

More Top Read Stories >

NEWS INSIDE

  • Companies
  • Earnings
  • Economic News
  • INN Magazine
  • Insurtech News
  • Newswires Feed
  • Regulation News
  • Washington Wire
  • Videos

FEATURED OFFERS

Elevate Your Practice with Pacific Life
Taking your business to the next level is easier when you have experienced support.

Your Cap. Your Term. Locked.
Oceanview CapLock™. One locked cap. No annual re-declarations. Clear expectations from day one.

Ready to make your client presentations more engaging?
EnsightTM marketing stories, available with select Allianz Life Insurance Company of North America FIAs.

Unlock the Future of Index-Linked Solutions
Join industry leaders shaping next-gen index strategies, distribution, and innovation.

Press Releases

  • LifeSecure Insurance Company Announces Retirement of Brian Vestergaard, Additions to Executive Leadership
  • RFP #T02226
  • YourMedPlan Appoints Kevin Mercier as Executive Vice President of Business Development
  • ICMG Golf Event Raises $43,000 for Charity During Annual Industry Gathering
  • RFP #T25521
More Press Releases > Add Your Press Release >

How to Write For InsuranceNewsNet

Find out how you can submit content for publishing on our website.
View Guidelines

Topics

  • Advisor News
  • Annuity Index
  • Annuity News
  • Companies
  • Earnings
  • Fiduciary
  • From the Field: Expert Insights
  • Health/Employee Benefits
  • Insurance & Financial Fraud
  • INN Magazine
  • Insiders Only
  • Life Insurance News
  • Newswires
  • Property and Casualty
  • Regulation News
  • Sponsored Articles
  • Washington Wire
  • Videos
  • ———
  • About
  • Meet our Editorial Staff
  • Advertise
  • Contact
  • Newsletters

Top Sections

  • AdvisorNews
  • Annuity News
  • Health/Employee Benefits News
  • InsuranceNewsNet Magazine
  • Life Insurance News
  • Property and Casualty News
  • Washington Wire

Our Company

  • About
  • Advertise
  • Contact
  • Meet our Editorial Staff
  • Magazine Subscription
  • Write for INN

Sign up for our FREE e-Newsletter!

Get breaking news, exclusive stories, and money- making insights straight into your inbox.

select Newsletter Options
Facebook Linkedin Twitter
© 2026 InsuranceNewsNet.com, Inc. All rights reserved.
  • Terms & Conditions
  • Privacy Policy
  • InsuranceNewsNet Magazine

Sign in with your Insider Pro Account

Not registered? Become an Insider Pro.
Insurance News | InsuranceNewsNet