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2nd Floor, Omkar Building, Above Axis Bank, Phadke Cross Road, Dombivli East, Thane421201
Category:InsurancePhone: (0251) 3982230
Mobile: 9820658684
Address: OP Mall, 302, Nanashankarseth Road,Dombivali West,Thane-421202, Maharashtra
Landmark: In OP Mall
Project on
Marketing of Insurance Products
Submitted in the partial fulfilment of the requirements for
the award of Degree Bachelor of commerce Banking and
Insurance (SEM VI) 2010-11
Submitted by: Miss. Saily Pillewar
Roll no: B025
Under the guidance of
Prof. Seema Pawar
University of Mumbai
Kets V.G.VAZE COLLEGE OF ARTS COMMERCE AND
SCIENCE, MITHAGAR ROAD
MULUND - EAST
http://www.asklaila.com/search/Mumbai/Dombivali%20West/Insurance/?searchNearby=false&v=listinghttp://www.asklaila.com/search/Mumbai/Dombivali%20West/Insurance/?searchNearby=false&v=listinghttp://www.asklaila.com/search/Mumbai/Dombivali%20West/Insurance/?searchNearby=false&v=listinghttp://www.asklaila.com/Dombivali-West-Guide-Mumbai/lg317http://www.asklaila.com/Dombivali-West-Guide-Mumbai/lg317http://www.asklaila.com/Dombivali-West-Guide-Mumbai/lg317http://www.asklaila.com/Dombivali-West-Guide-Mumbai/lg317http://www.asklaila.com/search/Mumbai/Dombivali%20West/Insurance/?searchNearby=false&v=listing8/13/2019 Malti Flex
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Mumbai- 81
DECLARATION
I Miss Saily Pillewar student of KETs V.G.VAZE COLLEGE OF
Arts COMMERCE AND SCIENCE studying in TY Banking and
Insurance SEM VI (2010 11) hereby declare that I havecompleted the project on Marketing of Insurance
Products under the guidance of Professor Seema Pawar
The information collected is original and true to the best of
my knowledge.
Date:
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Index
Chp
No
Topic Pg no
1
INSURANCE
1.1 Definition & Meaning of
Insurance
1.2 History of Insurance
1.3 Concept of Insurance
1.4 Overview of Insurance
1.5 Principles of Insurance
1-22
Marketing of Insurance
2.1 Marketing of Insurance
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2
2.2 Insurance Marketing
strategies
2.3 Meaning & Definition of
marketing
2.4 Indian Insurance Marketing
2.5 Problems face by insurancecompanies
2.6 Challenges faced by
insurance companies
23-39
3Marketing Mix of Insurance
3.1 7Ps of Marketing Mix
3.2 Tips on successful
Insurance marketing
40-45
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4 Case study
Life Insurance Corporation
ltd
46-54
5 Suggestions and conclusion 55
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DESING OF THE STUDY
Objectives
To know how Insurance companies are benefited through
marketing.
To understand what is marketing.
Limitations
The project is limited to the marketing strategies of LIC.
Time, length, and depth of the study are limited as per the
requirements of Mumbai University.
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Scope
The project begins with a brief mention of what MARKETING
is and its need and importance in Insurance Companies. Itfurther goes on to show the challenges faced by the Insurance
Companies
Methodology of study
Data for the project is obtained from secondary source
Secondary source-
Secondary data for the project has been gathered from various
Marketing & Insurance books and internet.
Period
The period of study was from 22nd
February to 3rd
March 2011.
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Executive summary
Wherever there is uncertainty there is a risk. We do not have control on
uncertainties which involve financial losses. The risk may be certain events like
death, pension, retirement or uncertain events like theft, fire, accident etc.
Insurance is a financial service for collecting the savings of the public and
providing them with the risk coverage. The main function of insurance is to
provide against the possible chance of generating losses. It eliminates worries and
miseries of losses by destruction of property and death. It also provides capital to
the society as the funds accumulated are invested in the productive heads.
Insurance comes under the service sector and while marketing this service, due
care is to be taken in quality product and customer satisfaction. While marketing
the services, it is also pertinent that they think about the innovative promotional
measures. It is not sufficient that you perform well but it is also important that
you let other know about the quality of your positive contribution.
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The creativity in the promotional measures is the need of the hour. The
advertisement, public relations, word of mouth communication needs due care
and personal selling requires intensive care.
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Chapter 1
INSURANCE
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1.1
Definition
Apromise of compensation for specific potential future losses in exchange for a
periodicpayment.Insurance is designed to protect the financial well-being of an
individual,company or otherentity in the case of unexpectedloss.Someforms of
insurance arerequiredby law,while others are optional.Agreeing to the terms of
an insurance policy creates a contract between the insured and the insurer. In
exchange for payments from the insured (called premiums), the insurer agrees to
pay thepolicyholder asum of money upon the occurrence of a specificevent.In
most cases, the policy holder pays part of the loss (called thedeductible), and the
insurer pays the rest. Examples include car insurance, health insurance, disability
insurance,life insurance,andbusiness insurance.
The meaning of insurance
Insurance is a policy from a large financial institution that offers a person,
company, or other entity reimbursement or financial protection against possible
future losses or damages.
The meaning of insurance is important to understand for anybody that is
considering buying aninsurance policy or simply understanding the basics of
finance. Insurance is a hedging instrument used as a precautionary measure against
future contingent losses.
http://www.businessdictionary.com/definition/promise.htmlhttp://www.investorwords.com/10666/potential.htmlhttp://www.investorwords.com/9809/future.htmlhttp://www.investorwords.com/1797/exchange.htmlhttp://www.investorwords.com/10604/periodic.htmlhttp://www.investorwords.com/3634/payment.htmlhttp://www.investorwords.com/10738/protect.htmlhttp://www.investorwords.com/5572/financial.htmlhttp://www.businessdictionary.com/definition/individual.htmlhttp://www.investorwords.com/992/company.htmlhttp://www.investorwords.com/1714/entity.htmlhttp://www.investorwords.com/2896/loss.htmlhttp://www.businessdictionary.com/definition/form.htmlhttp://www.businessdictionary.com/definition/required.htmlhttp://www.businessdictionary.com/definition/law.htmlhttp://www.investorwords.com/10482/optional.htmlhttp://www.investorwords.com/4950/terms.htmlhttp://www.investorwords.com/2517/insurance_policy.htmlhttp://www.businessdictionary.com/definition/create.htmlhttp://www.investorwords.com/1079/contract.htmlhttp://www.investorwords.com/2519/insured.htmlhttp://www.investorwords.com/2523/insurer.htmlhttp://www.investorwords.com/8794/agree.htmlhttp://www.investorwords.com/3626/pay.htmlhttp://www.investorwords.com/3728/policy.htmlhttp://www.investorwords.com/2324/holder.htmlhttp://www.businessdictionary.com/definition/sum.htmlhttp://www.investorwords.com/3100/money.htmlhttp://www.businessdictionary.com/definition/event.htmlhttp://www.investorwords.com/1339/deductible.htmlhttp://www.investorwords.com/9996/include.htmlhttp://www.investorwords.com/2289/health_insurance.htmlhttp://www.investorwords.com/1461/disability_insurance.htmlhttp://www.investorwords.com/1461/disability_insurance.htmlhttp://www.investorwords.com/2807/life_insurance.htmlhttp://www.businessdictionary.com/definition/business-insurance.htmlhttp://www.economywatch.com/insurance-overview/meaning-insurance.htmlhttp://www.economywatch.com/insurance-overview/meaning-insurance.htmlhttp://www.businessdictionary.com/definition/business-insurance.htmlhttp://www.investorwords.com/2807/life_insurance.htmlhttp://www.investorwords.com/1461/disability_insurance.htmlhttp://www.investorwords.com/1461/disability_insurance.htmlhttp://www.investorwords.com/2289/health_insurance.htmlhttp://www.investorwords.com/9996/include.htmlhttp://www.investorwords.com/1339/deductible.htmlhttp://www.businessdictionary.com/definition/event.htmlhttp://www.investorwords.com/3100/money.htmlhttp://www.businessdictionary.com/definition/sum.htmlhttp://www.investorwords.com/2324/holder.htmlhttp://www.investorwords.com/3728/policy.htmlhttp://www.investorwords.com/3626/pay.htmlhttp://www.investorwords.com/8794/agree.htmlhttp://www.investorwords.com/2523/insurer.htmlhttp://www.investorwords.com/2519/insured.htmlhttp://www.investorwords.com/1079/contract.htmlhttp://www.businessdictionary.com/definition/create.htmlhttp://www.investorwords.com/2517/insurance_policy.htmlhttp://www.investorwords.com/4950/terms.htmlhttp://www.investorwords.com/10482/optional.htmlhttp://www.businessdictionary.com/definition/law.htmlhttp://www.businessdictionary.com/definition/required.htmlhttp://www.businessdictionary.com/definition/form.htmlhttp://www.investorwords.com/2896/loss.htmlhttp://www.investorwords.com/1714/entity.htmlhttp://www.investorwords.com/992/company.htmlhttp://www.businessdictionary.com/definition/individual.htmlhttp://www.investorwords.com/5572/financial.htmlhttp://www.investorwords.com/10738/protect.htmlhttp://www.investorwords.com/3634/payment.htmlhttp://www.investorwords.com/10604/periodic.htmlhttp://www.investorwords.com/1797/exchange.htmlhttp://www.investorwords.com/9809/future.htmlhttp://www.investorwords.com/10666/potential.htmlhttp://www.businessdictionary.com/definition/promise.html8/13/2019 Malti Flex
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History of insurance
Refers to the development of a modern laws and market ininsurance against risks.
In some sense we can say that insurance appears simultaneously with the
appearance of human society. We know of two types of economies in human
societies: money economies (with markets, money, financial instruments and so
on) and non-money or natural economies (without money, markets, financial
instruments and so on). The second type has been used much longer than the first.
In such an economy and community, we can see insurance in the form of people
helping each other. For example, if a house burns down, the members of thecommunity help build a new one. Should the same thing happen to one's
neighbour, the other neighbors must help. Otherwise, neighbours will not receive
help in the future.
Turning to insurance in the modern sense (i.e., insurance in a modern money
economy, in which insurance is part of the financial sphere), early methods of
transferring or distributing risk were practiced byChinese andBabylonian traders
as long ago as the3rd and2ndmillennia BC, respectively. Chinese merchants
travelling treacherous river rapids would redistribute their wares across many
vessels to limit the loss due to any single vessel's capsizing. The Babylonians
developed a system which was recorded in the famousCode of Hammurabi, c.
1750 BC, and practiced by earlyMediterranean sailingmerchants. If a merchant
received a loan to fund his shipment, he would pay the lender an additional sum in
Exchange for the lender's guarantee to cancel the loan should the shipment be
stolen.
http://en.wikipedia.org/wiki/Insurancehttp://en.wikipedia.org/wiki/Chinahttp://en.wikipedia.org/wiki/Babyloniahttp://en.wikipedia.org/wiki/3rd_millennium_BChttp://en.wikipedia.org/wiki/2nd_millennium_BChttp://en.wikipedia.org/wiki/Millenniumhttp://en.wikipedia.org/wiki/Code_of_Hammurabihttp://en.wikipedia.org/wiki/Mediterraneanhttp://en.wikipedia.org/wiki/Merchanthttp://en.wikipedia.org/wiki/Merchanthttp://en.wikipedia.org/wiki/Mediterraneanhttp://en.wikipedia.org/wiki/Code_of_Hammurabihttp://en.wikipedia.org/wiki/Millenniumhttp://en.wikipedia.org/wiki/2nd_millennium_BChttp://en.wikipedia.org/wiki/3rd_millennium_BChttp://en.wikipedia.org/wiki/Babyloniahttp://en.wikipedia.org/wiki/Chinahttp://en.wikipedia.org/wiki/Insurance8/13/2019 Malti Flex
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Achaemenian monarchs were the first to insure their people and made it official by
registering the insuring process in governmental notary offices. The insurance
tradition was performed each year inNowruz (beginning of the Iranian New Year);
the heads of different ethnic groups as well as others willing to take part, presented
gifts to the monarch. The most important gift was presented during a special
ceremony. When a gift was worth more than 10,000 Derrik (Achaemenian gold
coin) the issue was registered in a special office. This was advantageous to those
who presented such special gifts. For others, the presents were fairly assessed by
the confidants of the court. Then the assessment was registered in special offices.
The purpose of registering was that whenever the person who presented the gift
registered by the court was in trouble, the monarch and the court would help him.
Jahez, a historian and writer, writes in one of his books on ancient Iran: "whenever
the owner of the present is in trouble or wants to construct a building, set up a
feast, have his children married, etc. the one in charge of this in the court would
check the registration. If the registered amount exceeded 10,000 Derrik, he or she
would receive an amount of twice as much."
A thousand years later, the inhabitants ofRhodes created the 'general average',
which allowed groups of merchants to pay to insure their goods being shipped
together. The collected premiums would be used to reimburse any merchant whose
goods were jettisoned during transport, whether to storm or sink age.
The ancient Athenian "maritime loan" advanced money for voyages with
repayment being cancelled if the ship was lost. In the 4th century BC, rates for the
loans differed according to safe or dangerous times of year, implying an intuitive
pricing of risk with an effect similar to insurance.
TheGreeks andRomans introduced the origins of health and life insurance c. 600
BCE when they created guilds called "benevolent societies" which cared for
thefamilies of deceased members, as well as payingfuneral expenses of
http://en.wikipedia.org/wiki/Achaemenianhttp://en.wikipedia.org/wiki/Nowruzhttp://en.wikipedia.org/wiki/Rhodeshttp://en.wikipedia.org/wiki/General_averagehttp://en.wikipedia.org/wiki/Ancient_Greecehttp://en.wikipedia.org/wiki/Ancient_Romehttp://en.wikipedia.org/wiki/Familyhttp://en.wikipedia.org/wiki/Funeralhttp://en.wikipedia.org/wiki/Funeralhttp://en.wikipedia.org/wiki/Familyhttp://en.wikipedia.org/wiki/Ancient_Romehttp://en.wikipedia.org/wiki/Ancient_Greecehttp://en.wikipedia.org/wiki/General_averagehttp://en.wikipedia.org/wiki/Rhodeshttp://en.wikipedia.org/wiki/Nowruzhttp://en.wikipedia.org/wiki/Achaemenian8/13/2019 Malti Flex
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Members.Guilds in the Ages served a similar purpose. TheTalmud deals with
several aspects of insuringgoods.Before insurance was established in the late 17th
century, "friendly societies" existed in England, in which people donated amounts
of money to a general sum that could be used for emergencies.
Medieval and Early modern
Separate insurance contracts (i.e., insurance policies not bundled with loans or
other kinds of contracts) were invented inGenoa in the 14th century, as were
insurance pools backed by pledges of landed estates. The first known insurance
contract dates fromGenoa in 1343, and in the next century maritime insurancedeveloped widely and premiums were intuitively varied with risks. These new
insurance contracts allowed insurance to be separated from investment, a
separation of roles that first proved useful in marine insurance. The first printed
book on insurance was the legal treatise On Insurance and Merchants'
BetsbyPedro de Santarem (Santerna), written in 1488 and published in 1552.
Insurance became far more sophisticated in post-RenaissanceEurope, and
specialized varieties developed. The will ofRobert Hayman,written in 1628, refers
to two policies he has taken out with a wealthy Londoner: one of life insurance and
one of marine insurance.[6]Toward the end of the 17th century, London's growing
importance as a centre for trade increased demand for marine insurance. In the late
1680s, Mr. Edward Lloyd opened a coffee house that became a popular haunt of
ship owners, merchants, and ships captains, and thereby a reliable source of the
latest shipping news. It became the meeting place for parties wishing to insure
cargoes and ships, and those willing to underwrite such ventures. Today,Lloyd's of
London remains the leading market (note that it is not an insurance company) for
http://en.wikipedia.org/wiki/Guildhttp://en.wikipedia.org/wiki/Talmudhttp://en.wikipedia.org/wiki/Good_(economics)http://en.wikipedia.org/wiki/Genoahttp://en.wikipedia.org/wiki/Genoahttp://en.wikipedia.org/w/index.php?title=Pedro_de_Santar%C3%A9m&action=edit&redlink=1http://en.wikipedia.org/wiki/Renaissancehttp://en.wikipedia.org/wiki/Europehttp://en.wikipedia.org/wiki/Robert_Haymanhttp://en.wikipedia.org/wiki/History_of_insurance#cite_note-5http://en.wikipedia.org/wiki/History_of_insurance#cite_note-5http://en.wikipedia.org/wiki/History_of_insurance#cite_note-5http://en.wikipedia.org/wiki/Lloyd%27s_of_Londonhttp://en.wikipedia.org/wiki/Lloyd%27s_of_Londonhttp://en.wikipedia.org/wiki/Lloyd%27s_of_Londonhttp://en.wikipedia.org/wiki/Lloyd%27s_of_Londonhttp://en.wikipedia.org/wiki/History_of_insurance#cite_note-5http://en.wikipedia.org/wiki/Robert_Haymanhttp://en.wikipedia.org/wiki/Europehttp://en.wikipedia.org/wiki/Renaissancehttp://en.wikipedia.org/w/index.php?title=Pedro_de_Santar%C3%A9m&action=edit&redlink=1http://en.wikipedia.org/wiki/Genoahttp://en.wikipedia.org/wiki/Genoahttp://en.wikipedia.org/wiki/Good_(economics)http://en.wikipedia.org/wiki/Talmudhttp://en.wikipedia.org/wiki/Guild8/13/2019 Malti Flex
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Marine and other specialist types of insurance, but it works rather differently than
the more familiar kinds of insurance.
Insurance as we know it today can be traced to theGreat Fire of London,which in
1666 devoured 13,200 houses. In the aftermath of this disaster,Nicholas
Barbon opened an office to insure buildings. In 1680, he established England's first
fire insurance company, "The Fire Office," to insure brick and frame homes.
The concept of health insurance was proposed in 1694 by Hugh the Elder
Chamberlen from thePeter Chamberlen family. In the late 19th century, "accident
insurance" began to be available, which operated much like
modern disability insurance. This payment model continued until the start of the
20th century in some jurisdictions (like California), where all laws regulating
health insurance actually referred to disability insurance.
The first insurance company in theUnited States underwrote fire insurance and
was formed in Charles Town (modern-dayCharleston),South Carolina in 1732,
but it provided only fire insurance.
Industrial revolution
Benjamin Franklin helped to popularize and make standard the practice of
insurance, particularly againstfire in the form ofperpetual insurance.In 1752, he
founded thePhiladelphia Contribution ship for the Insurance of Houses from Loss
by Fire. Franklin's company was the first to make contributions toward fire
prevention. Not only did his company warn against certain fire hazards, it refused
to insure certain buildings where the risk of fire was too great, such as all wooden
houses.
The sale of life insurance in the U.S. began in the late 1760s.
ThePresbyterian Synods inPhiladelphia andNew York founded the Corporation
for Relief of Poor and Distressed Widows and Children of Presbyterian Ministers
http://en.wikipedia.org/wiki/Great_Fire_of_Londonhttp://en.wikipedia.org/wiki/Nicholas_Barbonhttp://en.wikipedia.org/wiki/Nicholas_Barbonhttp://en.wikipedia.org/wiki/Peter_Chamberlenhttp://en.wikipedia.org/wiki/United_Stateshttp://en.wikipedia.org/wiki/Charleston,_South_Carolinahttp://en.wikipedia.org/wiki/South_Carolinahttp://en.wikipedia.org/wiki/Benjamin_Franklinhttp://en.wikipedia.org/wiki/Firehttp://en.wikipedia.org/wiki/Perpetual_Insurancehttp://en.wikipedia.org/wiki/Philadelphia_Contributionship_for_the_Insurance_of_Houses_from_Loss_by_Firehttp://en.wikipedia.org/wiki/Philadelphia_Contributionship_for_the_Insurance_of_Houses_from_Loss_by_Firehttp://en.wikipedia.org/wiki/Presbyterianhttp://en.wikipedia.org/wiki/Philadelphiahttp://en.wikipedia.org/wiki/New_Yorkhttp://en.wikipedia.org/wiki/New_Yorkhttp://en.wikipedia.org/wiki/Philadelphiahttp://en.wikipedia.org/wiki/Presbyterianhttp://en.wikipedia.org/wiki/Philadelphia_Contributionship_for_the_Insurance_of_Houses_from_Loss_by_Firehttp://en.wikipedia.org/wiki/Philadelphia_Contributionship_for_the_Insurance_of_Houses_from_Loss_by_Firehttp://en.wikipedia.org/wiki/Perpetual_Insurancehttp://en.wikipedia.org/wiki/Firehttp://en.wikipedia.org/wiki/Benjamin_Franklinhttp://en.wikipedia.org/wiki/South_Carolinahttp://en.wikipedia.org/wiki/Charleston,_South_Carolinahttp://en.wikipedia.org/wiki/United_Stateshttp://en.wikipedia.org/wiki/Peter_Chamberlenhttp://en.wikipedia.org/wiki/Nicholas_Barbonhttp://en.wikipedia.org/wiki/Nicholas_Barbonhttp://en.wikipedia.org/wiki/Great_Fire_of_London8/13/2019 Malti Flex
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in 1759;Episcopalianpriests created a comparable relief fund in 1769. Between
1787 and 1837 more than two dozen life insurance companies were started, but
fewer than half a dozen survived.
Prior to theAmerican Civil War, many insurance companies in the United
Statesinsured the lives of slaves for their owners. In response to bills passed
inCalifornia in 2001 and inIllinois in 2003, the companies have been required to
search their records for such policies.New York Life for example reported that
Nautilus sold 485 slaveholder life insurance policies during a two-year period in
the 1840s; they added that their trustees voted to end the sale of such policies 15
years before theEmancipation Proclamation.
Insurance is essentially a hedge against misfortune, in modern usage. In the 20th
century insurance was also used as a form or extortion, most notably used by
organized crime as a means of generating tax free income and to control
businesses, populations, and politics, usually on a local level.
In the USA, until the passage of the Social Security Act, the federal government
had never mandated any form of insurance upon the nation as a whole, but this
program expanded the concept and acceptance of insurance as a means to achieve
individual financial security that might not otherwise be available. That expansion
experienced its first boom market immediately after the Second World War with
the original VA Home Loan programs that greatly expanded the idea that
affordable housing for veterans was a benefit of having served. The mortgages that
were underwritten by the federal government during this time included an
insurance clause as a means of protecting the banks and lending institutions
involved against avoidable losses. During the 1940s there was also the GI life
insurance policy program that was designed to ease the burden of military losses
on the civilian population and survivors.
http://en.wikipedia.org/wiki/Episcopal_Church_in_the_United_States_of_Americahttp://en.wikipedia.org/wiki/American_Civil_Warhttp://en.wikipedia.org/wiki/Slave_insurance_in_the_United_Stateshttp://en.wikipedia.org/wiki/Californiahttp://en.wikipedia.org/wiki/Illinoishttp://en.wikipedia.org/wiki/New_York_Life_Insurance_Companyhttp://en.wikipedia.org/wiki/Emancipation_Proclamationhttp://en.wikipedia.org/wiki/Emancipation_Proclamationhttp://en.wikipedia.org/wiki/New_York_Life_Insurance_Companyhttp://en.wikipedia.org/wiki/Illinoishttp://en.wikipedia.org/wiki/Californiahttp://en.wikipedia.org/wiki/Slave_insurance_in_the_United_Stateshttp://en.wikipedia.org/wiki/American_Civil_Warhttp://en.wikipedia.org/wiki/Episcopal_Church_in_the_United_States_of_America8/13/2019 Malti Flex
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During the 1970s and 1980s there was a growth in supp sold 485 slaveholder life
insurance policies during a two-year period in the 1840s; they added that their
trustees voted to end the sale of such policies 15 years before theEmancipation
Proclamation.
Insurance is essentially a hedge against misfortune, in modern usage. In the 20th
century insurance was also used as a form or extortion, most notably used by
organized crime as a means of generating tax free income and to control
businesses, populations, and politics, usually on a local level.
In the USA, until the passage of the Social Security Act, the federal government
had never mandated any form of insurance upon the nation as a whole, but this
program expanded the concept and acceptance of insurance as a means to achieve
individual financial security that might not otherwise be available. That expansion
experienced its first boom market immediately after the Second World War with
the original VA Home Loan programs that greatly expanded the idea that
affordable housing for veterans was a benefit of having served. The mortgages that
were underwritten by the federal government during this time included an
insurance clause as a means of protecting the banks and lending institutions
involved against avoidable losses. During the 1940s there was also the GI life
insurance policy program that was designed to ease the burden of military losses
on the civilian population and survivors.
During the 1970s and 1980s there was a growth in supp
sold 485 slaveholder life insurance policies during a two-year period in the 1840s;
they added that their trustees voted to end the sale of such policies 15 years before
theEmancipation Proclamation.
Insurance is essentially a hedge against misfortune, in modern usage. In the 20th
century insurance was also used as a form or extortion, most notably used by
http://en.wikipedia.org/wiki/Emancipation_Proclamationhttp://en.wikipedia.org/wiki/Emancipation_Proclamationhttp://en.wikipedia.org/wiki/Emancipation_Proclamationhttp://en.wikipedia.org/wiki/Emancipation_Proclamationhttp://en.wikipedia.org/wiki/Emancipation_Proclamationhttp://en.wikipedia.org/wiki/Emancipation_Proclamation8/13/2019 Malti Flex
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organized crime as a means of generating tax free income and to control
businesses, populations, and politics, usually on a local level.
In the USA, until the passage of the Social Security Act, the federal government
had never mandated any form of insurance upon the nation as a whole, but this
program expanded the concept and acceptance of insurance as a means to achieve
individual financial security that might not otherwise be available. That expansion
experienced its first boom market immediately after the Second World War with
the original VA Home Loan programs that greatly expanded the idea that
affordable housing for veterans was a benefit of having served. The mortgages that
were underwritten by the federal government during this time included an
insurance clause as a means of protecting the banks and lending institutions
involved against avoidable losses. During the 1940s there was also the GI life
insurance policy program that was designed to ease the burden of military losses
on the civilian population and survivors.
During the 1970s and 1980s there was a growth in supp
sold 485 slaveholder life insurance policies during a two-year period in the 1840s;
they added that their trustees voted to end the sale of such policies 15 years before
theEmancipation Proclamation.
Insurance is essentially a hedge against misfortune, in modern usage. In the 20th
century insurance was also used as a form or extortion, most notably used by
organized crime as a means of generating tax free income and to control
businesses, populations, and politics, usually on a local level.
In the USA, until the passage of the Social Security Act, the federal government
had never mandated any form of insurance upon the nation as a whole, but this
program expanded the concept and acceptance of insurance as a means to achieve
individual financial security that might not otherwise be available. That expansion
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experienced its first boom market immediately after the Second World War with
the original VA Home Loan programs that greatly expanded the idea that
affordable housing for veterans was a benefit of having served. The mortgages that
were underwritten by the federal government during this time included an
insurance clause as a means of protecting the banks and lending institutions
involved against avoidable losses. During the 1940s there was also the GI life
insurance policy program that was designed to ease the burden of military losses
on the civilian population and survivors.
During the 1970s and 1980s there was a growth in supp
sold 485 slaveholder life insurance policies during a two-year period in the 1840s;they added that their trustees voted to end the sale of such policies 15 years before
theEmancipation Proclamation.
Insurance is essentially a hedge against misfortune, in modern usage. In the 20th
century insurance was also used as a form or extortion, most notably used by
organized crime as a means of generating tax free income and to control
businesses, populations, and politics, usually on a local level.
In the USA, until the passage of the Social Security Act, the federal government
had never mandated any form of insurance upon the nation as a whole, but this
program expanded the concept and acceptance of insurance as a means to achieve
individual financial security that might not otherwise be available. That expansion
experienced its first boom market immediately after the Second World War with
the original VA Home Loan programs that greatly expanded the idea that
affordable housing for veterans was a benefit of having served. The mortgages that
were underwritten by the federal government during this time included an
insurance clause as a means of protecting the banks and lending institutions
involved against avoidable losses. During the 1940s there was also the GI life
http://en.wikipedia.org/wiki/Emancipation_Proclamationhttp://en.wikipedia.org/wiki/Emancipation_Proclamation8/13/2019 Malti Flex
23/497
insurance policy program that was designed to ease the burden of military losses
on the civilian population and survivors.
During the 1970s and 1980s there was a growth in supp
sold 485 slaveholder life insurance policies during a two-year period in the 1840s;
they added that their trustees voted to end the sale of such policies 15 years before
theEmancipation Proclamation.
Insurance is essentially a hedge against misfortune, in modern usage. In the 20th
century insurance was also used as a form or extortion, most notably used by
organized crime as a means of generating tax free income and to control
businesses, populations, and politics, usually on a local level.In the USA, until the passage of the Social Security Act, the federal government
had never mandated any form of insurance upon the nation as a whole, but this
program expanded the concept and acceptance of insurance as a means to achieve
individual financial security that might not otherwise be available. That expansion
experienced its first boom market immediately after the Second World War with
the original VA Home Loan programs that greatly expanded the idea that
affordable housing for veterans was a benefit of having served. The mortgages that
were underwritten by the federal government during this time included an
insurance clause as a means of protecting the banks and lending institutions
involved against avoidable losses. During the 1940s there was also the GI life
insurance policy program that was designed to ease the burden of military losses
on the civilian population and survivors.
During the 1970s and 1980s there was a growth in supp
sold 485 slaveholder life insurance policies during a two-year period in the 1840s;
they added that their trustees voted to end the sale of such policies 15 years before
theEmancipation Proclamation.
http://en.wikipedia.org/wiki/Emancipation_Proclamationhttp://en.wikipedia.org/wiki/Emancipation_Proclamationhttp://en.wikipedia.org/wiki/Emancipation_Proclamationhttp://en.wikipedia.org/wiki/Emancipation_Proclamation8/13/2019 Malti Flex
24/497
Insurance is essentially a hedge against misfortune, in modern usage. In the 20th
century insurance was also used as a form or extortion, most notably used by
organized crime as a means of generating tax free income and to control
businesses, populations, and politics, usually on a local level.
In the USA, until the passage of the Social Security Act, the federal government
had never mandated any form of insurance upon the nation as a whole, but this
program expanded the concept and acceptance of insurance as a means to achieve
individual financial security that might not otherwise be available. That expansion
experienced its first boom market immediately after the Second World War with
the original VA Home Loan programs that greatly expanded the idea that
affordable housing for veterans was a benefit of having served. The mortgages that
were underwritten by the federal government during this time included an
insurance clause as a means of protecting the banks and lending institutions
involved against avoidable losses. During the 1940s there was also the GI life
insurance policy program that was designed to ease the burden of military losses
on the civilian population and survivors.
During the 1970s and 1980s there was a growth in supp
sold 485 slaveholder life insurance policies during a two-year period in the 1840s;
they added that their trustees voted to end the sale of such policies 15 years before
theEmancipation Proclamation.
Insurance is essentially a hedge against misfortune, in modern usage. In the 20th
century insurance was also used as a form or extortion, most notably used by
organized crime as a means of generating tax free income and to control
businesses, populations, and politics, usually on a local level.
In the USA, until the passage of the Social Security Act, the federal government
had never mandated any form of insurance upon the nation as a whole, but this
http://en.wikipedia.org/wiki/Emancipation_Proclamationhttp://en.wikipedia.org/wiki/Emancipation_Proclamation8/13/2019 Malti Flex
25/497
program expanded the concept and acceptance of insurance as a means to achieve
individual financial security that might not otherwise be available. That expansion
experienced its first boom market immediately after the Second World War with
the original VA Home Loan programs that greatly expanded the idea that
affordable housing for veterans was a benefit of having served. The mortgages that
were underwritten by the federal government during this time included an
insurance clause as a means of protecting the banks and lending institutions
involved against avoidable losses. During the 1940s there was also the GI life
insurance policy program that was designed to ease the burden of military losses
on the civilian population and survivors.
During the 1970s and 1980s there was a growth in supp
sold 485 slaveholder life insurance policies during a two-year period in the 1840s;
they added that their trustees voted to end the sale of such policies 15 years before
theEmancipation Proclamation.
Insurance is essentially a hedge against misfortune, in modern usage. In the 20th
century insurance was also used as a form or extortion, most notably used by
organized crime as a means of generating tax free income and to control
businesses, populations, and politics, usually on a local level.
In the USA, until the passage of the Social Security Act, the federal government
had never mandated any form of insurance upon the nation as a whole, but this
program expanded the concept and acceptance of insurance as a means to achieve
individual financial security that might not otherwise be available. That expansion
experienced its first boom market immediately after the Second World War with
the original VA Home Loan programs that greatly expanded the idea that
affordable housing for veterans was a benefit of having served. The mortgages that
were underwritten by the federal government during this time included an
http://en.wikipedia.org/wiki/Emancipation_Proclamationhttp://en.wikipedia.org/wiki/Emancipation_Proclamation8/13/2019 Malti Flex
26/497
insurance clause as a means of protecting the banks and lending institutions
involved against avoidable losses. During the 1940s there was also the GI life
insurance policy program that was designed to ease the burden of military losses
on the civilian population and survivors.
During the 1970s and 1980s there was a growth in supp
sold 485 slaveholder life insurance policies during a two-year period in the 1840s;
they added that their trustees voted to end the sale of such policies 15 years before
theEmancipation Proclamation.
Insurance is essentially a hedge against misfortune, in modern usage. In the 20th
century insurance was also used as a form or extortion, most notably used byorganized crime as a means of generating tax free income and to control
businesses, populations, and politics, usually on a local level.
In the USA, until the passage of the Social Security Act, the federal government
had never mandated any form of insurance upon the nation as a whole, but this
program expanded the concept and acceptance of insurance as a means to achieve
individual financial security that might not otherwise be available. That expansion
experienced its first boom market immediately after the Second World War with
the original VA Home Loan programs that greatly expanded the idea that
affordable housing for veterans was a benefit of having served. The mortgages that
were underwritten by the federal government during this time included an
insurance clause as a means of protecting the banks and lending institutions
involved against avoidable losses. During the 1940s there was also the GI life
insurance policy program that was designed to ease the burden of military losses
on the civilian population and survivors.
During the 1970s and 1980s there was a growth in supp
http://en.wikipedia.org/wiki/Emancipation_Proclamationhttp://en.wikipedia.org/wiki/Emancipation_Proclamation8/13/2019 Malti Flex
27/497
sold 485 slaveholder life insurance policies during a two-year period in the 1840s;
they added that their trustees voted to end the sale of such policies 15 years before
theEmancipation Proclamation.
Insurance is essentially a hedge against misfortune, in modern usage. In the 20th
century insurance was also used as a form or extortion, most notably used by
organized crime as a means of generating tax free income and to control
businesses, populations, and politics, usually on a local level.
In the USA, until the passage of the Social Security Act, the federal government
had never mandated any form of insurance upon the nation as a whole, but this
program expanded the concept and acceptance of insurance as a means to achieve
individual financial security that might not otherwise be available. That expansion
experienced its first boom market immediately after the Second World War with
the original VA Home Loan programs that greatly expanded the idea that
affordable housing for veterans was a benefit of having served. The mortgages that
were underwritten by the federal government during this time included an
insurance clause as a means of protecting the banks and lending institutions
involved against avoidable losses. During the 1940s there was also the GI life
insurance policy program that was designed to ease the burden of military losses
on the civilian population and survivors.
During the 1970s and 1980s there was a growth in supp
sold 485 slaveholder life insurance policies during a two-year period in the 1840s;
they added that their trustees voted to end the sale of such policies 15 years before
theEmancipation Proclamation.
Insurance is essentially a hedge against misfortune, in modern usage. In the 20th
century insurance was also used as a form or extortion, most notably used by
http://en.wikipedia.org/wiki/Emancipation_Proclamationhttp://en.wikipedia.org/wiki/Emancipation_Proclamationhttp://en.wikipedia.org/wiki/Emancipation_Proclamationhttp://en.wikipedia.org/wiki/Emancipation_Proclamation8/13/2019 Malti Flex
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organized crime as a means of generating tax free income and to control
businesses, populations, and politics, usually on a local level.
In the USA, until the passage of the Social Security Act, the federal government
had never mandated any form of insurance upon the nation as a whole, but this
program expanded the concept and acceptance of insurance as a means to achieve
individual financial security that might not otherwise be available. That expansion
experienced its first boom market immediately after the Second World War with
the original VA Home Loan programs that greatly expanded the idea that
affordable housing for veterans was a benefit of having served. The mortgages that
were underwritten by the federal government during this time included an
insurance clause as a means of protecting the banks and lending institutions
involved against avoidable losses. During the 1940s there was also the GI life
insurance policy program that was designed to ease the burden of military losses
on the civilian population and survivors.
During the 1970s and 1980s there was a growth in supp
sold 485 slaveholder life insurance policies during a two-year period in the 1840s;
they added that their trustees voted to end the sale of such policies 15 years before
theEmancipation Proclamation.
Insurance is essentially a hedge against misfortune, in modern usage. In the 20th
century insurance was also used as a form or extortion, most notably used by
organized crime as a means of generating tax free income and to control
businesses, populations, and politics, usually on a local level.
In the USA, until the passage of the Social Security Act, the federal government
had never mandated any form of insurance upon the nation as a whole, but this
program expanded the concept and acceptance of insurance as a means to achieve
individual financial security that might not otherwise be available. That expansion
http://en.wikipedia.org/wiki/Emancipation_Proclamationhttp://en.wikipedia.org/wiki/Emancipation_Proclamation8/13/2019 Malti Flex
29/497
experienced its first boom market immediately after the Second World War with
the original VA Home Loan programs that greatly expanded the idea that
affordable housing for veterans was a benefit of having served. The mortgages that
were underwritten by the federal government during this time included an
insurance clause as a means of protecting the banks and lending institutions
involved against avoidable losses. During the 1940s there was also the GI life
insurance policy program that was designed to ease the burden of military losses
on the civilian population and survivors.
During the 1970s and 1980s there was a growth in supp
sold 485 slaveholder life insurance policies during a two-year period in the 1840s;they added that their trustees voted to end the sale of such policies 15 years before
theEmancipation Proclamation.
Insurance is essentially a hedge against misfortune, in modern usage. In the 20th
century insurance was also used as a form or extortion, most notably used by
organized crime as a means of generating tax free income and to control
businesses, populations, and politics, usually on a local level.
In the USA, until the passage of the Social Security Act, the federal government
had never mandated any form of insurance upon the nation as a whole, but this
program expanded the concept and acceptance of insurance as a means to achieve
individual financial security that might not otherwise be available. That expansion
experienced its first boom market immediately after the Second World War with
the original VA Home Loan programs that greatly expanded the idea that
affordable housing for veterans was a benefit of having served. The mortgages that
were underwritten by the federal government during this time included an
insurance clause as a means of protecting the banks and lending institutions
involved against avoidable losses. During the 1940s there was also the GI life
http://en.wikipedia.org/wiki/Emancipation_Proclamationhttp://en.wikipedia.org/wiki/Emancipation_Proclamation8/13/2019 Malti Flex
30/497
insurance policy program that was designed to ease the burden of military losses
on the civilian population and survivors.
During the 1970s and 1980s there was a growth in supp
sold 485 slaveholder life insurance policies during a two-year period in the 1840s;
they added that their trustees voted to end the sale of such policies 15 years before
theEmancipation Proclamation.
Insurance is essentially a hedge against misfortune, in modern usage. In the 20th
century insurance was also used as a form or extortion, most notably used by
organized crime as a means of generating tax free income and to control
businesses, populations, and politics, usually on a local level.In the USA, until the passage of the Social Security Act, the federal government
had never mandated any form of insurance upon the nation as a whole, but this
program expanded the concept and acceptance of insurance as a means to achieve
individual financial security that might not otherwise be available. That expansion
experienced its first boom market immediately after the Second World War with
the original VA Home Loan programs that greatly expanded the idea that
affordable housing for veterans was a benefit of having served. The mortgages that
were underwritten by the federal government during this time included an
insurance clause as a means of protecting the banks and lending institutions
involved against avoidable losses. During the 1940s there was also the GI life
insurance policy program that was designed to ease the burden of military losses
on the civilian population and survivors.
During the 1970s and 1980s there was a growth in supp
sold 485 slaveholder life insurance policies during a two-year period in the 1840s;
they added that their trustees voted to end the sale of such policies 15 years before
theEmancipation Proclamation.
http://en.wikipedia.org/wiki/Emancipation_Proclamationhttp://en.wikipedia.org/wiki/Emancipation_Proclamationhttp://en.wikipedia.org/wiki/Emancipation_Proclamationhttp://en.wikipedia.org/wiki/Emancipation_Proclamation8/13/2019 Malti Flex
31/497
Insurance is essentially a hedge against misfortune, in modern usage. In the 20th
century insurance was also used as a form or extortion, most notably used by
organized crime as a means of generating tax free income and to control
businesses, populations, and politics, usually on a local level.
In the USA, until the passage of the Social Security Act, the federal government
had never mandated any form of insurance upon the nation as a whole, but this
program expanded the concept and acceptance of insurance as a means to achieve
individual financial security that might not otherwise be available. That expansion
experienced its first boom market immediately after the Second World War with
the original VA Home Loan programs that greatly expanded the idea that
affordable housing for veterans was a benefit of having served. The mortgages that
were underwritten by the federal government during this time included an
insurance clause as a means of protecting the banks and lending institutions
involved against avoidable losses. During the 1940s there was also the GI life
insurance policy program that was designed to ease the burden of military losses
on the civilian population and survivors.
During the 1970s and 1980s there was a growth in supp
sold 485 slaveholder life insurance policies during a two-year period in the 1840s;
they added that their trustees voted to end the sale of such policies 15 years before
theEmancipation Proclamation.
Insurance is essentially a hedge against misfortune, in modern usage. In the 20th
century insurance was also used as a form or extortion, most notably used by
organized crime as a means of generating tax free income and to control
businesses, populations, and politics, usually on a local level.
In the USA, until the passage of the Social Security Act, the federal government
had never mandated any form of insurance upon the nation as a whole, but this
http://en.wikipedia.org/wiki/Emancipation_Proclamationhttp://en.wikipedia.org/wiki/Emancipation_Proclamation8/13/2019 Malti Flex
32/497
program expanded the concept and acceptance of insurance as a means to achieve
individual financial security that might not otherwise be available. That expansion
experienced its first boom market immediately after the Second World War with
the original VA Home Loan programs that greatly expanded the idea that
affordable housing for veterans was a benefit of having served. The mortgages that
were underwritten by the federal government during this time included an
insurance clause as a means of protecting the banks and lending institutions
involved against avoidable losses. During the 1940s there was also the GI life
insurance policy program that was designed to ease the burden of military losses
on the civilian population and survivors.
During the 1970s and 1980s there was a growth in supp
sold 485 slaveholder life insurance policies during a two-year period in the 1840s;
they added that their trustees voted to end the sale of such policies 15 years before
theEmancipation Proclamation.
Insurance is essentially a hedge against misfortune, in modern usage. In the 20th
century insurance was also used as a form or extortion, most notably used by
organized crime as a means of generating tax free income and to control
businesses, populations, and politics, usually on a local level.
In the USA, until the passage of the Social Security Act, the federal government
had never mandated any form of insurance upon the nation as a whole, but this
program expanded the concept and acceptance of insurance as a means to achieve
individual financial security that might not otherwise be available. That expansion
experienced its first boom market immediately after the Second World War with
the original VA Home Loan programs that greatly expanded the idea that
affordable housing for veterans was a benefit of having served. The mortgages that
were underwritten by the federal government during this time included an
http://en.wikipedia.org/wiki/Emancipation_Proclamationhttp://en.wikipedia.org/wiki/Emancipation_Proclamation8/13/2019 Malti Flex
33/497
insurance clause as a means of protecting the banks and lending institutions
involved against avoidable losses. During the 1940s there was also the GI life
insurance policy program that was designed to ease the burden of military losses
on the civilian population and survivors.
During the 1970s and 1980s there was a growth in supp
sold 485 slaveholder life insurance policies during a two-year period in the 1840s;
they added that their trustees voted to end the sale of such policies 15 years before
theEmancipation Proclamation.
Insurance is essentially a hedge against misfortune, in modern usage. In the 20th
century insurance was also used as a form or extortion, most notably used byorganized crime as a means of generating tax free income and to control
businesses, populations, and politics, usually on a local level.
In the USA, until the passage of the Social Security Act, the federal government
had never mandated any form of insurance upon the nation as a whole, but this
program expanded the concept and acceptance of insurance as a means to achieve
individual financial security that might not otherwise be available. That expansion
experienced its first boom market immediately after the Second World War with
the original VA Home Loan programs that greatly expanded the idea that
affordable housing for veterans was a benefit of having served. The mortgages that
were underwritten by the federal government during this time included an
insurance clause as a means of protecting the banks and lending institutions
involved against avoidable losses. During the 1940s there was also the GI life
insurance policy program that was designed to ease the burden of military losses
on the civilian population and survivors.
During the 1970s and 1980s there was a growth in supp
http://en.wikipedia.org/wiki/Emancipation_Proclamationhttp://en.wikipedia.org/wiki/Emancipation_Proclamation8/13/2019 Malti Flex
34/497
sold 485 slaveholder life insurance policies during a two-year period in the 1840s;
they added that their trustees voted to end the sale of such policies 15 years before
theEmancipation Proclamation.
Insurance is essentially a hedge against misfortune, in modern usage. In the 20th
century insurance was also used as a form or extortion, most notably used by
organized crime as a means of generating tax free income and to control
businesses, populations, and politics, usually on a local level.
In the USA, until the passage of the Social Security Act, the federal government
had never mandated any form of insurance upon the nation as a whole, but this
program expanded the concept and acceptance of insurance as a means to achieve
individual financial security that might not otherwise be available. That expansion
experienced its first boom market immediately after the Second World War with
the original VA Home Loan programs that greatly expanded the idea that
affordable housing for veterans was a benefit of having served. The mortgages that
were underwritten by the federal government during this time included an
insurance clause as a means of protecting the banks and lending institutions
involved against avoidable losses. During the 1940s there was also the GI life
insurance policy program that was designed to ease the burden of military losses
on the civilian population and survivors.
During the 1970s and 1980s there was a growth in supp
sold 485 slaveholder life insurance policies during a two-year period in the 1840s;
they added that their trustees voted to end the sale of such policies 15 years before
theEmancipation Proclamation.
Insurance is essentially a hedge against misfortune, in modern usage. In the 20th
century insurance was also used as a form or extortion, most notably used by
http://en.wikipedia.org/wiki/Emancipation_Proclamationhttp://en.wikipedia.org/wiki/Emancipation_Proclamationhttp://en.wikipedia.org/wiki/Emancipation_Proclamationhttp://en.wikipedia.org/wiki/Emancipation_Proclamation8/13/2019 Malti Flex
35/497
organized crime as a means of generating tax free income and to control
businesses, populations, and politics, usually on a local level.
In the USA, until the passage of the Social Security Act, the federal government
had never mandated any form of insurance upon the nation as a whole, but this
program expanded the concept and acceptance of insurance as a means to achieve
individual financial security that might not otherwise be available. That expansion
experienced its first boom market immediately after the Second World War with
the original VA Home Loan programs that greatly expanded the idea that
affordable housing for veterans was a benefit of having served. The mortgages that
were underwritten by the federal government during this time included an
insurance clause as a means of protecting the banks and lending institutions
involved against avoidable losses. During the 1940s there was also the GI life
insurance policy program that was designed to ease the burden of military losses
on the civilian population and survivors.
During the 1970s and 1980s there was a growth in supp
sold 485 slaveholder life insurance policies during a two-year period in the 1840s;
they added that their trustees voted to end the sale of such policies 15 years before
theEmancipation Proclamation.
Insurance is essentially a hedge against misfortune, in modern usage. In the 20th
century insurance was also used as a form or extortion, most notably used by
organized crime as a means of generating tax free income and to control
businesses, populations, and politics, usually on a local level.
In the USA, until the passage of the Social Security Act, the federal government
had never mandated any form of insurance upon the nation as a whole, but this
program expanded the concept and acceptance of insurance as a means to achieve
individual financial security that might not otherwise be available. That expansion
http://en.wikipedia.org/wiki/Emancipation_Proclamationhttp://en.wikipedia.org/wiki/Emancipation_Proclamation8/13/2019 Malti Flex
36/497
experienced its first boom market immediately after the Second World War with
the original VA Home Loan programs that greatly expanded the idea that
affordable housing for veterans was a benefit of having served. The mortgages that
were underwritten by the federal government during this time included an
insurance clause as a means of protecting the banks and lending institutions
involved against avoidable losses. During the 1940s there was also the GI life
insurance policy program that was designed to ease the burden of military losses
on the civilian population and survivors.
During the 1970s and 1980s there was a growth in supp
sold 485 slaveholder life insurance policies during a two-year period in the 1840s;they added that their trustees voted to end the sale of such policies 15 years before
theEmancipation Proclamation.
Insurance is essentially a hedge against misfortune, in modern usage. In the 20th
century insurance was also used as a form or extortion, most notably used by
organized crime as a means of generating tax free income and to control
businesses, populations, and politics, usually on a local level.
In the USA, until the passage of the Social Security Act, the federal government
had never mandated any form of insurance upon the nation as a whole, but this
program expanded the concept and acceptance of insurance as a means to achieve
individual financial security that might not otherwise be available. That expansion
experienced its first boom market immediately after the Second World War with
the original VA Home Loan programs that greatly expanded the idea that
affordable housing for veterans was a benefit of having served. The mortgages that
were underwritten by the federal government during this time included an
insurance clause as a means of protecting the banks and lending institutions
involved against avoidable losses. During the 1940s there was also the GI life
http://en.wikipedia.org/wiki/Emancipation_Proclamationhttp://en.wikipedia.org/wiki/Emancipation_Proclamation8/13/2019 Malti Flex
37/497
insurance policy program that was designed to ease the burden of military losses
on the civilian population and survivors.
During the 1970s and 1980s there was a growth in supp
sold 485 slaveholder life insurance policies during a two-year period in the 1840s;
they added that their trustees voted to end the sale of such policies 15 years before
theEmancipation Proclamation.
Insurance is essentially a hedge against misfortune, in modern usage. In the 20th
century insurance was also used as a form or extortion, most notably used by
organized crime as a means of generating tax free income and to control
businesses, populations, and politics, usually on a local level.In the USA, until the passage of the Social Security Act, the federal government
had never mandated any form of insurance upon the nation as a whole, but this
program expanded the concept and acceptance of insurance as a means to achieve
individual financial security that might not otherwise be available. That expansion
experienced its first boom market immediately after the Second World War with
the original VA Home Loan programs that greatly expanded the idea that
affordable housing for veterans was a benefit of having served. The mortgages that
were underwritten by the federal government during this time included an
insurance clause as a means of protecting the banks and lending institutions
involved against avoidable losses. During the 1940s there was also the GI life
insurance policy program that was designed to ease the burden of military losses
on the civilian population and survivors.
During the 1970s and 1980s there was a growth in supp
sold 485 slaveholder life insurance policies during a two-year period in the 1840s;
they added that their trustees voted to end the sale of such policies 15 years before
theEmancipation Proclamation.
http://en.wikipedia.org/wiki/Emancipation_Proclamationhttp://en.wikipedia.org/wiki/Emancipation_Proclamationhttp://en.wikipedia.org/wiki/Emancipation_Proclamationhttp://en.wikipedia.org/wiki/Emancipation_Proclamation8/13/2019 Malti Flex
38/497
Insurance is essentially a hedge against misfortune, in modern usage. In the 20th
century insurance was also used as a form or extortion, most notably used by
organized crime as a means of generating tax free income and to control
businesses, populations, and politics, usually on a local level.
In the USA, until the passage of the Social Security Act, the federal government
had never mandated any form of insurance upon the nation as a whole, but this
program expanded the concept and acceptance of insurance as a means to achieve
individual financial security that might not otherwise be available. That expansion
experienced its first boom market immediately after the Second World War with
the original VA Home Loan programs that greatly expanded the idea that
affordable housing for veterans was a benefit of having served. The mortgages that
were underwritten by the federal government during this time included an
insurance clause as a means of protecting the banks and lending institutions
involved against avoidable losses. During the 1940s there was also the GI life
insurance policy program that was designed to ease the burden of military losses
on the civilian population and survivors.
During the 1970s and 1980s there was a growth in supp
sold 485 slaveholder life insurance policies during a two-year period in the 1840s;
they added that their trustees voted to end the sale of such policies 15 years before
theEmancipation Proclamation.
Insurance is essentially a hedge against misfortune, in modern usage. In the 20th
century insurance was also used as a form or extortion, most notably used by
organized crime as a means of generating tax free income and to control
businesses, populations, and politics, usually on a local level.
In the USA, until the passage of the Social Security Act, the federal government
had never mandated any form of insurance upon the nation as a whole, but this
http://en.wikipedia.org/wiki/Emancipation_Proclamationhttp://en.wikipedia.org/wiki/Emancipation_Proclamation8/13/2019 Malti Flex
39/497
program expanded the concept and acceptance of insurance as a means to achieve
individual financial security that might not otherwise be available. That expansion
experienced its first boom market immediately after the Second World War with
the original VA Home Loan programs that greatly expanded the idea that
affordable housing for veterans was a benefit of having served. The mortgages that
were underwritten by the federal government during this time included an
insurance clause as a means of protecting the banks and lending institutions
involved against avoidable losses. During the 1940s there was also the GI life
insurance policy program that was designed to ease the burden of military losses
on the civilian population and survivors.
During the 1970s and 1980s there was a growth in supp
sold 485 slaveholder life insurance policies during a two-year period in the 1840s;
they added that their trustees voted to end the sale of such policies 15 years before
theEmancipation Proclamation.
Insurance is essentially a hedge against misfortune, in modern usage. In the 20th
century insurance was also used as a form or extortion, most notably used by
organized crime as a means of generating tax free income and to control
businesses, populations, and politics, usually on a local level.
In the USA, until the passage of the Social Security Act, the federal government
had never mandated any form of insurance upon the nation as a whole, but this
program expanded the concept and acceptance of insurance as a means to achieve
individual financial security that might not otherwise be available. That expansion
experienced its first boom market immediately after the Second World War with
the original VA Home Loan programs that greatly expanded the idea that
affordable housing for veterans was a benefit of having served. The mortgages that
were underwritten by the federal government during this time included an
http://en.wikipedia.org/wiki/Emancipation_Proclamationhttp://en.wikipedia.org/wiki/Emancipation_Proclamation8/13/2019 Malti Flex
40/497
insurance clause as a means of protecting the banks and lending institutions
involved against avoidable losses. During the 1940s there was also the GI life
insurance policy program that was designed to ease the burden of military losses
on the civilian population and survivors.
During the 1970s and 1980s there was a growth in supp
sold 485 slaveholder life insurance policies during a two-year period in the 1840s;
they added that their trustees voted to end the sale of such policies 15 years before
theEmancipation Proclamation.
Insurance is essentially a hedge against misfortune, in modern usage. In the 20th
century insurance was also used as a form or extortion, most notably used byorganized crime as a means of generating tax free income and to control
businesses, populations, and politics, usually on a local level.
In the USA, until the passage of the Social Security Act, the federal government
had never mandated any form of insurance upon the nation as a whole, but this
program expanded the concept and acceptance of insurance as a means to achieve
individual financial security that might not otherwise be available. That expansion
experienced its first boom market immediately after the Second World War with
the original VA Home Loan programs that greatly expanded the idea that
affordable housing for veterans was a benefit of having served. The mortgages that
were underwritten by the federal government during this time included an
insurance clause as a means of protecting the banks and lending institutions
involved against avoidable losses. During the 1940s there was also the GI life
insurance policy program that was designed to ease the burden of military losses
on the civilian population and survivors.
During the 1970s and 1980s there was a growth in supp
http://en.wikipedia.org/wiki/Emancipation_Proclamationhttp://en.wikipedia.org/wiki/Emancipation_Proclamation8/13/2019 Malti Flex
41/497
sold 485 slaveholder life insurance policies during a two-year period in the 1840s;
they added that their trustees voted to end the sale of such policies 15 years before
theEmancipation Proclamation.
Insurance is essentially a hedge against misfortune, in modern usage. In the 20th
century insurance was also used as a form or extortion, most notably used by
organized crime as a means of generating tax free income and to control
businesses, populations, and politics, usually on a local level.
In the USA, until the passage of the Social Security Act, the federal government
had never mandated any form of insurance upon the nation as a whole, but this
program expanded the concept and acceptance of insurance as a means to achieve
individual financial security that might not otherwise be available. That expansion
experienced its first boom market immediately after the Second World War with
the original VA Home Loan programs that greatly expanded the idea that
affordable housing for veterans was a benefit of having served. The mortgages that
were underwritten by the federal government during this time included an
insurance clause as a means of protecting the banks and lending institutions
involved against avoidable losses. During the 1940s there was also the GI life
insurance policy program that was designed to ease the burden of military losses
on the civilian population and survivors.
During the 1970s and 1980s there was a growth in supp
sold 485 slaveholder life insurance policies during a two-year period in the 1840s;
they added that their trustees voted to end the sale of such policies 15 years before
theEmancipation Proclamation.
Insurance is essentially a hedge against misfortune, in modern usage. In the 20th
century insurance was also used as a form or extortion, most notably used by
http://en.wikipedia.org/wiki/Emancipation_Proclamationhttp://en.wikipedia.org/wiki/Emancipation_Proclamationhttp://en.wikipedia.org/wiki/Emancipation_Proclamationhttp://en.wikipedia.org/wiki/Emancipation_Proclamation8/13/2019 Malti Flex
42/497
organized crime as a means of generating tax free income and to control
businesses, populations, and politics, usually on a local level.
In the USA, until the passage of the Social Security Act, the federal government
had never mandated any form of insurance upon the nation as a whole, but this
program expanded the concept and acceptance of insurance as a means to achieve
individual financial security that might not otherwise be available. That expansion
experienced its first boom market immediately after the Second World War with
the original VA Home Loan programs that greatly expanded the idea that
affordable housing for veterans was a benefit of having served. The mortgages that
were underwritten by the federal government during this time included an
insurance clause as a means of protecting the banks and lending institutions
involved against avoidable losses. During the 1940s there was also the GI life
insurance policy program that was designed to ease the burden of military losses
on the civilian population and survivors.
During the 1970s and 1980s there was a growth in supp
sold 485 slaveholder life insurance policies during a two-year period in the 1840s;
they added that their trustees voted to end the sale of such policies 15 years before
theEmancipation Proclamation.
Insurance is essentially a hedge against misfortune, in modern usage. In the 20th
century insurance was also used as a form or extortion, most notably used by
organized crime as a means of generating tax free income and to control
businesses, populations, and politics, usually on a local level.
In the USA, until the passage of the Social Security Act, the federal government
had never mandated any form of insurance upon the nation as a whole, but this
program expanded the concept and acceptance of insurance as a means to achieve
individual financial security that might not otherwise be available. That expansion
http://en.wikipedia.org/wiki/Emancipation_Proclamationhttp://en.wikipedia.org/wiki/Emancipation_Proclamation8/13/2019 Malti Flex
43/497
experienced its first boom market immediately after the Second World War with
the original VA Home Loan programs that greatly expanded the idea that
affordable housing for veterans was a benefit of having served. The mortgages that
were underwritten by the federal government during this time included an
insurance clause as a means of protecting the banks and lending institutions
involved against avoidable losses. During the 1940s there was also the GI life
insurance policy program that was designed to ease the burden of military losses
on the civilian population and survivors.
During the 1970s and 1980s there was a growth in supp
sold 485 slaveholder life insurance policies during a two-year period in the 1840s;they added that their trustees voted to end the sale of such policies 15 years before
theEmancipation Proclamation.
Insurance is essentially a hedge against misfortune, in modern usage. In the 20th
century insurance was also used as a form or extortion, most notably used by
organized crime as a means of generating tax free income and to control
businesses, populations, and politics, usually on a local level.
In the USA, until the passage of the Social Security Act, the federal government
had never mandated any form of insurance upon the nation as a whole, but this
program expanded the concept and acceptance of insurance as a means to achieve
individual financial security that might not otherwise be available. That expansion
experienced its first boom market immediately after the Second World War with
the original VA Home Loan programs that greatly expanded the idea that
affordable housing for veterans was a benefit of having served. The mortgages that
were underwritten by the federal government during this time included an
insurance clause as a means of protecting the banks and lending institutions
involved against avoidable losses. During the 1940s there was also the GI life
http://en.wikipedia.org/wiki/Emancipation_Proclamationhttp://en.wikipedia.org/wiki/Emancipation_Proclamation8/13/2019 Malti Flex
44/497
insurance policy program that was designed to ease the burden of military losses
on the civilian population and survivors.
During the 1970s and 1980s there was a growth in supp
sold 485 slaveholder life insurance policies during a two-year period in the 1840s;
they added that their trustees voted to end the sale of such policies 15 years before
theEmancipation Proclamation.
Insurance is essentially a hedge against misfortune, in modern usage. In the 20th
century insurance was also used as a form or extortion, most notably used by
organized crime as a means of generating tax free income and to control
businesses, populations, and politics, usually on a local level.In the USA, until the passage of the Social Security Act, the federal government
had never mandated any form of insurance upon the nation as a whole, but this
program expanded the concept and acceptance of insurance as a means to achieve
individual financial security that might not otherwise be available. That expansion
experienced its first boom market immediately after the Second World War with
the original VA Home Loan programs that greatly expanded the idea that
affordable housing for veterans was a benefit of having served. The mortgages that
were underwritten by the federal government during this time included an
insurance clause as a means of protecting the banks and lending institutions
involved against avoidable losses. During the 1940s there was also the GI life
insurance policy program that was designed to ease the burden of military losses
on the civilian population and survivors.
During the 1970s and 1980s there was a growth in supp
sold 485 slaveholder life insurance policies during a two-year period in the 1840s;
they added that their trustees voted to end the sale of such policies 15 years before
theEmancipation Proclamation.
http://en.wikipedia.org/wiki/Emancipation_Proclamationhttp://en.wikipedia.org/wiki/Emancipation_Proclamationhttp://en.wikipedia.org/wiki/Emancipation_Proclamationhttp://en.wikipedia.org/wiki/Emancipation_Proclamation8/13/2019 Malti Flex
45/497
Insurance is essentially a hedge against misfortune, in modern usage. In the 20th
century insurance was also used as a form or extortion, most notably used by
organized crime as a means of generating tax free income and to control
businesses, populations, and politics, usually on a local level.
In the USA, until the passage of the Social Security Act, the federal government
had never mandated any form of insurance upon the nation as a whole, but this
program expanded the concept and acceptance of insurance as a means to achieve
individual financial security that might not otherwise be available. That expansion
experienced its first boom market immediately after the Second World War with
the original VA Home Loan programs that greatly expanded the idea that
affordable housing for veterans was a benefit of having served. The mortgages that
were underwritten by the federal government during this time included an
insurance clause as a means of protecting the banks and lending institutions
involved against avoidable losses. During the 1940s there was also the GI life
insurance policy program that was designed to ease the burden of military losses
on the civilian population and survivors.
During the 1970s and 1980s there was a growth in supp
sold 485 slaveholder life insurance policies during a two-year period in the 1840s;
they added that their trustees voted to end the sale of such policies 15 years before
theEmancipation Proclamation.
Insurance is essentially a hedge against misfortune, in modern usage. In the 20th
century insurance was also used as a form or extortion, most notably used by
organized crime as a means of generating tax free income and to control
businesses, populations, and politics, usually on a local level.
In the USA, until the passage of the Social Security Act, the federal government
had never mandated any form of insurance upon the nation as a whole, but this
http://en.wikipedia.org/wiki/Emancipation_Proclamationhttp://en.wikipedia.org/wiki/Emancipation_Proclamation8/13/2019 Malti Flex
46/497
program expanded the concept and acceptance of insurance as a means to achieve
individual financial security that might not otherwise be available. That expansion
experienced its first boom market immediately after the Second World War with
the original VA Home Loan programs that greatly expanded the idea that
affordable housing for veterans was a benefit of having served. The mortgages that
were underwritten by the federal government during this time included an
insurance clause as a means of protecting the banks and lending institutions
involved against avoidable losses. During the 1940s there was also the GI life
insurance policy program that was designed to ease the burden of military losses
on the civilian population and survivors.
During the 1970s and 1980s there was a growth in supp
sold 485 slaveholder life insurance policies during a two-year period in the 1840s;
they added that their trustees voted to end the sale of such policies 15 years before
theEmancipation Proclamation.
Insurance is essentially a hedge against misfortune, in modern usage. In the 20th
century insurance was also used as a form or extortion, most notably used by
organized crime as a means of generating tax free income and to control
businesses, populations, and politics, usually on a local level.
In the USA, until the passage of the Social Security Act, the federal government
had never mandated any form of insurance upon the nation as a whole, but this
program expanded the concept and acceptance of insurance as a means to achieve
individual financial security that might not otherwise be available. That expansion
experienced its first boom market immediately after the Second World War with
the original VA Home Loan programs that greatly expanded the idea that
affordable housing for veterans was a benefit of having served. The mortgages that
were underwritten by the federal government during this time included an
http://en.wikipedia.org/wiki/Emancipation_Proclamationhttp://en.wikipedia.org/wiki/Emancipation_Proclamation8/13/2019 Malti Flex
47/497
insurance clause as a means of protecting the banks and lending institutions
involved against avoidable losses. During the 1940s there was also the GI life
insurance policy program that was designed to ease the burden of military losses
on the civilian population and survivors.
During the 1970s and 1980s there was a growth in supp
sold 485 slaveholder life insurance policies during a two-year period in the 1840s;
they added that their trustees voted to end the sale of such policies 15 years before
theEmancipation Proclamation.
Insurance is essentially a hedge against misfortune, in modern usage. In the 20th
century insurance was also used as a form or extortion, most notably used byorganized crime as a means of generating tax free income and to control
businesses, populations, and politics, usually on a local level.
In the USA, until the passage of the Social Security Act, the federal government
had never mandated any form of insurance upon the nation as a whole, but this
program expanded the concept and acceptance of insurance as a means to achieve
individual financial security that might not otherwise be available. That expansion
experienced its first boom market immediately after the Second World War with
the original VA Home Loan programs that greatly expanded the idea that
affordable housing for veterans was a benefit of having served. The mortgages that
were underwritten by the federal government during this time included an
insurance clause as a means of protecting the banks and lending institutions
involved against avoidable losses. During the 1940s there was also the GI life
insurance policy program that was designed to ease the burden of military losses
on the civilian population and survivors.
During the 1970s and 1980s there was a growth in supp
http://en.wikipedia.org/wiki/Emancipation_Proclamationhttp://en.wikipedia.org/wiki/Emancipation_Proclamation8/13/2019 Malti Flex
48/497
sold 485 slaveholder life insurance policies during a two-year period in the 1840s;
they added that their trustees voted to end the sale of such policies 15 years before
theEmancipation Proclamation.
Insurance is essentially a hedge against misfortune, in modern usage. In the 20th
century insurance was also used as a form or extortion, most notably used by
organized crime as a means of generating tax free income and to control
businesses, populations, and politics, usually on a local level.
In the USA, until the passage of the Social Security Act, the federal government
had never mandated any form of insurance upon the nation as a whole, but this
program expanded the concept and acceptance of insurance as a means to achieve
individual financial security that might not otherwise be available. That expansion
experienced its first boom market immediately after the Second World War with
the original VA Home Loan programs that greatly expanded the idea that
affordable housing for veterans was a benefit of having served. The mortgages that
were underwritten by the federal government during this time included an
insurance clause as a means of protecting the banks and lending institutions
involved against avoidable losses. During the 1940s there was also the GI life
insurance policy program that was designed to ease the burden of military losses
on the civilian population and survivors.
During the 1970s and 1980s there was a growth in supp
sold 485 slaveholder life insurance policies during a two-year period in the 1840s;
they added that their trustees voted to end the sale of such policies 15 years before
theEmancipation Proclamation.
Insurance is essentially a hedge against misfortune, in modern usage. In the 20th
century insurance was also used as a form or extortion, most notably used by
http://en.wikipedia.org/wiki/Emancipation_Proclamationhttp://en.wikipedia.org/wiki/Emancipation_Proclamationhttp://en.wiTop Related