This book examines the behavior of individuals at risk and insurance industry policy makers involved in selling, buying and regulation.

Many Americans believe that people who lack health insurance somehow get the care they really need. Care Without Coverage examines the real consequences for adults who lack health insurance. The study presents findings in the areas of prevention and screening, cancer, chronic illness, hospital-based care, and general health status. The committee looked at the consequences of being uninsured for people suffering from cancer, diabetes, HIV infection and AIDS, heart and kidney disease, mental illness, traumatic injuries, and heart attacks. It focused on the roughly 30 million-one in seven-working-age Americans without health insurance. This group does not include the population over 65 that is covered by Medicare or the nearly 10 million children who are uninsured in this country. The main findings of the report are that working-age Americans without health insurance are more likely to receive too little medical care and receive it too late; be sicker and die sooner; and receive poorer care when they are in the hospital, even for acute situations like a motor vehicle crash.

That's how Wendell Potter introduced himself to a Senate committee in June 2009. He proceed to explain how insurance companies make promises they have no intention of keeping, how they flout regulations designed to protect consumers, and how they make it nearly impossible to understand information that the public needs. Potter quit his high-paid job as head of public relations at a major insurance corporation because he could no longer abide the routine practices of the insurance industry, policies that amounted to a death sentence for thousands of Americans every year. In Deadly Spin, Potter takes readers behind the scenes of the insurance industry to show how a huge chunk of our absurd healthcare expenditures actually bankrolls a propaganda campaign and lobbying effort focused on protecting one thing: profits. With the unique vantage of both a whistleblower and a high-powered former insider, Potter moves beyond the healthcare crisis to show how public relations works, and how it has come to play a massive, often insidious role in our political process-and our lives. This important and timely book tells Potter's remarkable personal story, but its larger goal is to explain how people like Potter, before his change of heart, can get the public to think and act in ways that benefit big corporations-and the Wall Street money managers who own them.

The Model Rules of Professional Conduct provides an up-to-date resource for information on legal ethics. Federal, state and local courts in all jurisdictions look to the Rules for guidance in solving lawyer malpractice cases, disciplinary actions, disqualification issues, sanctions questions and much more. In this volume, black-letter Rules of Professional Conduct are followed by numbered Comments that explain each Rule's purpose and provide suggestions for its practical application. The Rules will help you identify proper conduct in a variety of given situations, review those instances where discretionary action is possible, and define the nature of the relationship between you and your clients, colleagues and the courts.

You're in the insurance business, and you're searching for a breakthrough. Maybe you're a new agent and feel overwhelmed by the task ahead of you. Or maybe you've already been in the business for several years, and you're doing pretty well, but you've hit a plateau. Whatever the case, you're looking for a way to put your business on the path to continuous growth. If this sounds like you, you're in the right place. The Breakthrough Insurance Agency shows you how to build a successful agency from the ground up. Moreover, it gives you the keys to break out of the stagnation rut many agents fall into after they're established. Using his acclaimed agency-building process, top insurance agent Bart Baker walks you through the ten key steps of creating an agency that give you the results you've been dreaming of. You'll learn how to set a powerful vision for your business, fund continuous growth, maximize your success with the 3M Breakthrough System and the Gap Elimination Process, set up departments that work, structure a compensation plan that serves you and your employees, and ultimately transform your agency from a quote shop into a referral shop. It doesn't matter what stage of the game you're at. As long as you are truly motivated to create a bigger and better future for yourself, you can shave years and years off of your journey to getting you and your family to where you aspire to be. The Breakthrough Insurance Agency will show you how to make it happen."