Michael Fruciano infuses innovation and fresh ideas with proven techniques for insurance of any type is all about managing risk. For example, in life insurance, the insurance company attempts to manage mortality (death) rates among its clients.Michael Fruciano insurance company collects premiums from policy holders, invests the money (usually in low risk investments), and then reimburses this money once the person passes away or the policy matures.Michael Fruciano is exploring ways to help consumers make informed health-care decisions.Employers are demanding relief from double digit premium increases.

This is your sidebar. The sidebar is a handy place for secondary information such as contact information. Replace this text with words of your own.