Dr C.L. Tyagi, M.Com., LL.B., Ph.D., has to his credit teaching experience of 45 years including 20 years experience of foreign universities. He taught at Rajdhani College, Delhi and was Director of SRM Institute of Management, Modi Nagar and Ramanujan Institute of Management, Dalwal.Dr (Mrs.) Madhu Tyagi, M.Com., Ph.D., is at present Director, School of Management Studies, Indira Gandhi National Open University, New Delhi. She has 26 years of academic experience. She is co-author of the book Insurance and mdash;Law and Practice.