Just read this by Seth Godin; The Perfect Crime a very similar thing actually occurs in Insurance. Thanks for the idea Seth.
I cannot factually speak on any of the lobbying or NAACP points. Instead here is what I do know.
None of the insurance advertising you see actually shows you how to be a better consumer in the long term. The companies only concern is on switching your insurance this year which, since the cost to acquire customers is high, is pretty stupid. It takes several years to turn a profit on any individual, why would you only advertise for this year? Because you are conditioning the masses.