Describe the major types of private insurers, including the following:

– Stock insurers
– Mutual insurers
– Reciprocal exchanges
– Lloydâ€s of London
– Blue Cross and Blue Shield plans
– Health maintenance organizations

Describe the major distribution systems for selling life insurance, including

– Personal selling systems
– Financial institution distribution systems
– Direct response system
– Other distribution systems

Describe the major distribution systems in property and casualty insurance, including the following:

– Independent agency system
– Exclusive agency system

– Direct writer
– Direct response system

– Mixed systems

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