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OKEMOS, Mich. -- To assist insurance professionals in risk selection, rating and total exposure control, WeatherTrends has released a climatological program that evaluates the risk of six weather conditions for each U.S. county.

WeatherTrends ranks the risks -- lightning, wind, tornado, temperature, hurricane and earthquake -- by frequency and/or severity for each of the 3,101 counties in the United States. The program can be customized to illustrate total gross limits and total limits net of reinsurance for liabilities within each county or ZIP code. It also can list all properties insured by a particular company within each county or ZIP code.

The information will be updated annually and expanded to include other climatological issues. WeatherTrends is available on a 3.5-inch diskette or CD-ROM.

The base program is available for $2,000 for one state, plus $1,000 for each additional state, or $12,000 for the entire United States. Annual updates cost $250 per state, and $1,200 for the entire United States.

For information, contact Karyn Lundberg, product manager for WeatherTrends, 800-968-5432.

School assault policy

SPRINGFIELD, Ill. -- Horace Mann Life Insurance Co. is offering a school assault recovery policy nationally via the Internet to ease the financial burden educators face after being injured at work.

Horace Mann's Assault Recovery Plan is offered to individuals or as a group product for employers to purchase as a school employee benefit. The policy provides benefits to educators and school personnel injured due to workplace violence. Those benefits include a victim assistance payment, in-hospital indemnity, and accidental death and dismemberment coverage for policyholders assaulted at school.

While the product has been available on a limited basis for just more than a year, the company now is able to offer it to educators in 42 states through its agents and on its World Wide Web site at

Educators and school personnel who want more details on the benefits and availability of ARP should contact their local Horace Mann agent, call the company's customer service department at 800-999-1030, or visit to submit an individual application.