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Copyright @2007by Suresh K. Sethi

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The author and publisher of this book have used best efforts in preparing and collecting the material.

However, the publisher bears no responsibility for any damage resulting from any inadvertent omission or inaccuracy in the book. Further, the author and publisher make no warranty of any kind expressed or implied with regard to the documentation contained in this book as insurance companies are continuously upgrading/changing the features/rates of their product. It is in the interest of the reader to get up to fate information about the insurance products, their features and pricing, before making any financial commitment. The options expressed by the author are solely his own and do not necessarily reflect of the insurance brokerage firm headed by him.