The U.S insurance industry consists of 1600 life and health insurance and 3000 non-life property/casualty insurance companies. It is the worlds largest insurance market and accounts for more than one third of world wide premiums which stood at $2.2 trillion on 1998.

The USA insurance industry employs 909,000 in the life/health insurance sector, 63500 in the property/ casualty insurance sector and 706,000 in brokerage activities, agencies and other insurance related services.

This site is aimed at the US audience, however we do have sites operating in other countries. For countries where we are active, please click on the flags below.

Why Insure?

In these modern days only a fool would fail to insure their precious items. That said, sometimes your finance could have other priorities oryou fail to see the real value of items around you. For example if you own your own home, what will happen if there is a sudden gale and you suffer damage? With rising sea levels, what will happen if your property was flooded? If you have cover for both buildings and contents the risk is small. We don't assume that the event wont be upsetting, but with insurance at least you know that someone of the pain will be eased.

Insurance is availble for most things, including animal insurance. That said please look at the policy details to make sure what you are covered for. Sometimes the older the animal the less insurers will accept liability. A similar agrument should be used for health insurance. Some policies do not cover you for terminal illness.

Despite some negative points, insurance is normally the best option for heping out at times of real need. In some cases such as motor insurance, the law insists that you have minimum cover.

Take a look through our sections and find out what type of cover is usually offered, then approach one of our partners shown throughout the site.

This web page is for general information only and does not constitute investment, tax, legal or other form of advice. You should not rely on this information to make (or not make) any decisions. Always obtain independent, professional advice for your own particular situation.

Our service currently covers the UK, USA and Australia. We will be introducing more countries in the future. Please click on the flag of your country below to be taken to the correct web site.