Insurance Handbook - III

Insurance

Handbook

A guide to insurance:

what it does and how it works

Insurance

Handbook

A guide to insurance:

what it does and how it works

?2010 Insurance Information Institute. 978-0-932387-47-9

Insurance Information Institute

110 William Street

New York, NY 10038

Tel. 212-346-5500. Fax. 212-732-1916.

President ¨C Robert P. Hartwig, Ph.D., CPCU ¨C bobh@

Executive Vice President ¨C Cary Schneider ¨C carys@

Senior Vice President ¨C Public Affairs ¨C Jeanne Salvatore ¨C jeannes@

Senior Vice President and Chief Economist ¨C Steven N. Weisbart, Ph.D., CLU ¨C

stevenw@

Research

Vice President ¨C Global Issues ¨C Claire Wilkinson ¨C clairew@

Publications

Vice President ¨C Publications and Information Services ¨C Madine Singer ¨C

madines@

Managing Editor ¨C Neil Liebman ¨C neill@

Research and Production ¨C Mary-Anne Firneno ¨C mary-annef@

Director ¨C Technology and Web Production ¨C Shorna Lewis ¨C shornal@

Production Assistant ¨C Katja Charlene Lewis ¨C charlenel@

Information Specialist ¨C Alba Rosario ¨C albar@

Special Consultant ¨C Ruth Gastel, CPCU ¨C ruthg@

Media

New York:

Vice President ¨C Media Relations ¨C Michael Barry ¨C michaelb@

Vice President ¨C Web and Editorial Services ¨C Andr¨¦a C. Basora ¨C

andreab@

Vice President ¨C Communications ¨C Loretta Worters ¨C lorettaw@

Web/Media Producer ¨C Justin Shaddix ¨C justins@

West Coast:

Insurance Information Network of California:

Executive Director ¨C Candysse Miller ¨C cmiller@

Tel. 213-624-4462. Fax. 213-624-4432.

Northern California:

Communications Specialist ¨C Tully Lehman ¨C tlehman@

Tel. 925-300-9570. Fax. 925-906-9321.

Representatives

Davis Communications ¨C William J. Davis, Atlanta ¨C billjoe@

Tel. 770-321-5150. Fax. 770-321-5150.

Hispanic Press Officer ¨C Elianne Gonz¨¢lez, Miami ¨C elianneg@

Tel. 954-389-9517.

Florida Representative ¨C Lynne McChristian, Tampa ¨C lynnem@

Tel. 813-480-6446. Fax. 813-915-3463.

Insurance

Handbook

A guide to insurance:

what it does and how it works

?2010 Insurance Information Institu¡ìte. 978-0-932387-47-9

To The Reader

F

or over 50 years, the Insurance Information Institute (I.I.I.) has provided

information to help consumers, reporters, insurance companies and researchers

understand how insurance works and what it does. The Insurance Handbook is

the latest addition to I.I.I.¡¯s vast arsenal of resources, including books, brochures,

newsletters and videos.

Long a primary source of information, analysis and referral on property/casualty

insurance issues, the I.I.I. has broadened its reach over the years. Today, the I.I.I. is also

a leading source for clear, comprehensive information on annuities, retirement and

other life/health insurance concerns. The Insurance Handbook reflects this diversity of

subjects and issues.

The book begins with basic information on the various types of insurance,

including auto, home, life, annuities and long-term care. A glossary section contains

over 500 entries, including over 100 life insurance definitions provided by LOMA, a

worldwide association of life and financial services companies. A directory lists a wide

range of insurance organizations, including national, state and specialty associations.

Issues briefs provide overviews of the trends and developments shaping the insurance

industry from natural catastrophes to terrorism to workplace safety.

The Handbook is designed to be used in conjunction with the Institute¡¯s other

information resources: our Web site (), which provides comprehensive

information on all aspects of insurance, and our various publications, including the

Insurance Fact Book, the Financial Services Fact Book and A Firm Foundation: How

Insurance Supports the Economy.

Its scope and clarity make it an ideal source for a wide variety of audiences,

including:

?

Reporters

?

Public policymakers

?

Regulators

?

Students

?

Insurance company employees

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Academics

We believe this Handbook will prove a source of vital information to the media

and others who have long relied on the I.I.I.¡¯s spokespersons and resources for

creditable, timely information. We appreciate your comments.

Robert Hartwig, Ph.D., CPCU

President

Insurance Information Institute

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