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and keeps earning interest on it effexor until claims are paid out. In effexor the United States, the underwriting loss effexor of property and casualty insurance companies effexor was $142.3 billion in the five effexor years ending 2003. But overall profit effexor for the same period was $68.4 effexor billion, at the result of float. effexor Some insurance industry insiders, most notably effexor Hank Greenberg, do not believe that effexor it is forever possible to sustain effexor a profit from float without an effexor underwriting profit as well, but this effexor opinion is not universally held. Naturally, effexor the “float” method is difficult to effexor carry out in an economically depressed effexor period. Bear markets do cause insurers effexor to shift away from investments and effexor to toughen up their underwriting standards. effexor So a poor economy generally means effexor high insurance premiums. Insurers currently make effexor the most money from their auto effexor insurance line of business. Generally better effexor statistics are available on auto losses effexor and underwriting on this line of effexor business has benefited greatly from advances effexor in computing. Additionally, property losses

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* Pet effexor Insurance insures pets against accidents and effexor illnesses - some companies cover routine/wellness effexor care and burial, as well. effexor * Political risk insurance effexor can be taken out by businesses effexor with operations in countries in which effexor there is a risk that revolution effexor or other political conditions will result effexor in a loss. * Environmental Liability effexor Insurance protects the insured from bodily effexor injury, property damage and cleanup costs effexor as a result of the dispersal, effexor release or escape of a pollutant. effexor * Nuclear incident insurance — damages effexor resulting from an incident involving radioactivive effexor materials is generally arranged at the effexor national level. (For the United States, effexor see Price-Anderson Nuclear Industries Indemnity Act.) effexor * Title insurance provides a guarantee effexor that title to real property is effexor vested in the purchaser and/or mortgagee, effexor free and clear of liens or effexor encumbrances. It is usually issued in effexor conjunction with a search of the effexor public records done at the time effexor of a real estate transaction. effexor * Travel insurance is an insurance effexor cover taken by those who travel effexor abroad, which covers certain losses such effexor as medical expenses, lost of personal effexor belongings, travel delay, personal liabilities.. etc. effexor

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