In layperson's terms, Kennedy analyzes the complexities of various kinds of insurance: life, disability, health, auto, and homeowner's. As he did in The Condominium and Cooperative Apartment Buyer's and Seller's Guide ( LJ 6/1/83), Kennedy includes sample policies. He also discusses policies which may not be needed such as mortgage, creditor life, flight liability, and endowment life insurance. This business and finance writer shows the consumer how to evaluate insurance needs and how to determine the best coverage. The operation of an insurance company and the role of an insurance agent are briefly examined. The numerous charts, tables, checklists, and glossary make this a highly recommended reference book for consumer collections. Mary Ann Wasick, West Allis P.L., Wis.