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This current, accurate and detailed industry guide for financial service professionals examines life and health insurance "simultaneously from the viewpoints of the buyer, the advisor, and the insurer"--providing a comprehensive and unbiased treatise on individual and group life; a forthright appraisal of life and health insurance industry products with careful consideration of the environment; and a complete examination of life insurance company operations and regulation. Bases financial treatment of life insured operations on modern financial theory, and devotes entire chapters to the economics of life and health insurance; individual life and health insurance policies; life and health insurance evaluation; the uses of life and health insurance in personal and business planning; government and employee benefit plans; and the management, operation, and regulation of life insurance companies. Offers a strong global orientation, supporting fundamental concepts with an extensive integration of economic and financial theory and international comparisons, and examines how today's health insurance products fit into a broad framework from a contractual, cost, and performance viewpoints. New chapters on the tax treatment of life and health insurance address such areas as estate planning, retirement planning, and the business uses of life and health insurance. For financial planners, salesmen, actuaries, investment managers, attorneys, CPAs, and other financial service professionals.

Without the evident drama of treacherous glaciers or mountain peaks, the midwestern landscape may - on first glance - appear commonplace. But those who look again will find an uncommon beauty as eloquent as that of the highest waterfall. With this distinctive collection of photographs, Larry Kanfer uncovers anew the drama of the prairie's changing skies and seasons and celebrates the serene dignity of the Midwest. "Elsewhere there are physical changes", states Kanfer, "but here the changes are chronological. In my photographs I show time - seasonal change, the cycles of life. That's where the beauty lies". As in his highly acclaimed earlier collection, Prairiescapes, Kanfer presents his own unmistakable vision of the vast heartland. Karla Vallance on National Public Radio described Prairiescapes as "capturing the uncelebrated fields and streams around the town where I grew up and turning the water of those ordinary places in mundane moments into the wine of art. His photographs are breathtaking in their amazing grace". Jonathan Yardley of the Washington Post Book World said, "It may take a patient and discerning eye to find beauty in the flat landscape of the American prairie, but beauty is just what Larry Kanfer has found". With On Second Glance, Kanfer points as well to the overlooked details of the heartland. From Flatville to Foosland, from Santa Claus to Montezuma, Kanfer creates a remarkable portrayal of the working farmland of Illinois and Indiana. His photographs take on the seasonal splendors of sky and silo, of setting sun and rising grain. A compelling collection by one of the Midwest's finest landscape photographers, On Second Glance makes an elegant gift for anyone withfriends or memories in the heartland.

Jackson National Life - Jackson National Life Insurance is a US life assurance company that is a subsidiary of the UK based insurer, Prudential Plc.

Term life insurance - Term life insurance is the original form of life insurance and is considered to be pure insurance protection because it builds no cash value. This is in contrast to permanent life insurance such as whole life, universal life, and variable universal life.

Commerce National Insurance - Commerce National Insurance, Commerce National Insurance Services, or Commerce Insurance Services is the insurance subsidiary of Commerce Bancorp and maintains its headquarters in Cherry Hill, New Jersey. Commerce National is one of the 25 largest insurance agencies in the United States, and is licensed in all 50 states.

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