Gary K. Stone, PhD, CLU, vice president of academics at The American College and editor of the Huebner School Series, for support and encouragement

Roger H. Allen, for permission to adapt materials from his textbook, Real Estate Investment Strategy, 3d edition (Cincinnati, OH: South-Western Publishing Co., 1989)

Current and former American College faculty members, specifically James F. Ivers III, JD, LLM, ChFC, professor of taxation; Eric T. Johnson, JD, LLM, CLU, ChFC, former adjunct professor of taxation; Robert J. Doyle, Jr., MBA, MA, CLU, ChFC, former associate professor of finance; and Charles E. Hughes, DBA, CLU, CPCU, former associate professor of insurance, for authorship roles in the text

The American College faculty, particularly David M. Cordell, PhD, CLU, CFP, CFA, associate professor of finance; Thomas A. Dziadosz, MA, CLU, ChFC, associate professor of economics; William J. Ruckstuhl, MBA, CLU, ChFC, associate professor of finance; and Michael M. Delaney, PhD, CLU, CPCU, CDP, associate professor of insurance and management information systems, for assistance and recommendations

Jane R. Hassinger for extensive and detailed production assistance

Wendy Cox for editing the manuscript and Patricia G. Berenson for additional production assistance

Jons S. Hanson, JD, has more than 30 years of legal, insurance, legislative and regulatory issue, and executive management experience.

After earning his AB degree with distinction from Stanford University (1960) and his JD degree with honors from the University of Michigan Law School (1963), he served for 5 years as an attorney in the President’s Department of the Northwestern Mutual Life Insurance Company.

In 1968, Mr. Hanson became the Executive Director of the National Association of Insurance Commissioners (NAIC), charged with developing a national staff and research capacity to serve the needs of the 50 state insurance commissioners. During the next 13 years, he built and managed a staff operation providing the NAIC with (1) legislative, regulatory, and legal research, (2) federal liaison functions, (3) executive management and planning, (4) creation of a computer database on the insurance industry, (5) services to individual state insurance departments, and (6) administrative activities inherent in a national organization.

Upon leaving the NAIC in 1982, Mr. Hanson established his own legal and consulting practice in the Milwaukee suburb of Elm Grove, Wisconsin. His current practice emphasizes providing legal and related research on insurance and insurance regulatory problems (including integration of financial services, the applicability of antitrust, and constitutional issues) for law firms, insurers, trade associations, and related organizations. His background covers life, health, and property and liability insurance.

Mr. Hanson has authored several books, monographs, and law review and other articles; prepared briefs for submission to the United States Supreme Court and federal courts of appeal; developed numerous model laws and regulations; and conducted federal legislative and regulatory liaison in more than 30 areas.