Ralph Guarasci's Insurance Observer Newsletter Archives of Ralph’s print newsletter. Current Issues 2024 Summe 2024 Newsletter Past Issues 2024 Winter 2024 Newsletter 2023 Summer 2023 Newsletter Winter 2023 Newsletter 2022 Summer 2022 Newsletter Winter 2022 Newsletter 2021 Summer 2021 Newsletter Winter 2021 Newsletter 2020 Summer 2020 Newsletter Winter 2020 Newsletter 2019 Summer 2019 Newsletter Winter 2019 Newsletter 2018 Summer 2018 Newsletter Winter 2018 Newsletter 2017 Summer 2017 Newsletter 2016 Summer 2016 Newsletter Winter 2016 Newsletter 2015 Summer 2015 Newsletter Winter 2015 Newsletter 2014 Summer 2014 Newsletter Winter 2014 Newsletter 2013 Summer 2013 Newsletter Winter 2013 Newsletter 2012 Summer 2012 Newsletter Winter 2012 Newsletter 2011 Summer 2011 Newsletter Winter 2011 Newsletter 2010 Summer 2010 Newsletter Winter 2010 Newsletter