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Joseph M. Belth,PH.D.

Joseph M. Belth, Ph.D., is professor emeritus of insurance in the Kelley School of Business at Indiana University (Bloomington), editor of The Insurance Forum, and author of Life Insurance: A Consumer's Handbook. He is the author of several other books and numerous journal articles.

For one of his books Belth received the 1966 Elizur Wright award for "outstanding original contribution to the literature of insurance." For journal articles he received awards in 1962, 1964, 1965, 1967, 1971, and 1979. He received the 1987 Financial Security Nest Egg Award from the Life Communicators Association for "professional activities in communicating to the general public." For The Insurance Forum he received the 1990 George Polk award in the "special publications" category. He received a 1999 Huebner Gold Medal from The American College "in recognition of distinguished service to education and professionalism."

Kiplinger

For eight decades, the Kiplinger organization has led the way in personal finance and business forecasting.

Founded in 1920 by W.M. Kiplinger, the company developed one of the nation's first successful newsletters in modern times. The Kiplinger Letter, launched in 1923, remains the longest continually published newsletter in the United States. In 1947, Kiplinger's created the nation's first personal finance magazine. Located in the heart or our nation's capital, the Kiplinger editors remain dedicated to delivering sound, unbiased advice for your family and your business in clear, concise language.

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A worldwide insurance-rating and information agency with more than 100 years of history.

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Fitch Ratings is a leading global rating agency committed to providing the world's credit markets with independent, timely and prospective credit opinions.

Moodys

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The mission of the NAIC is to assist state insurance regulators, individually and collectively, in serving the public interest.

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