Major William H. Garrison

Major William H. Garrison was a U.S. Army officer stationed at Fort Sam Houston in San Antonio, Texas. In June 1922, frustrated by commercial insurance carriers labeling military service members transient high risks and denying them coverage, Garrison organized the meeting of 25 officers at the Gunter Hotel. He drafted the founding pact, subscribed initial capital, and served as the association's first president, establishing the foundational principle that service members could insure one another at cost through reciprocal fidelity.