The Risk Management and Insurance major at Illinois State University is a premier, nationally known program that prepares students for a number of different careers in insurance and risk management. The major prepares students to manage a variety of traditional and emerging risks, as well as explore different treatment options including the use of insurance and other risk transfer solutions. Insurance allows policyholders the ability to shift the financial burden of unpredictable loss caused by natural catastrophes and other perils. to facilitate the transfer of risk, insurers employ a variety of professionals to screen potential buyers, estimate policyholder loss, invest premium dollars, and manage financial resources to promptly settle claims when they become due. In addition, individuals with insurance expertise may choose careers advising businesses how to effectively handle insurance risks rather than working for insurance complanies.