### message | statement | agreement | contract:

Insurance policy
* Insurance policies are a contractural agreement between the insurance company and the insured.
* Insurance policies are contracts and, like other legal documents, can be complex and confusing
  - subject to interpretation under general contract principles
  - legal contracts
* Insurance policies are obligations of the insurers that issue the policies
  - issuing insurance company
  - personal contracts with the insured
  - provide protection to individuals and businesses against loss or catastrophe
* Many insurance policies cover acupuncture
  - have coverage for abortion services
* Most insurance policies cover claims only brought in the United States
  - offer different types of coverage, geared to a variety of needs
  - require prompt reporting of accidents in order to guarantee coverage
* Some insurance policies limit the amount of time they pay for each illness or injury.

Oral contract
* are agreement.
* is agreement

Premarital agreement
* Premarital Agreements vary from couple to couple.
* become operative in the event of divorce or the death of one of the spouses.

Prenuptial agreement
* are already common, especially in second marriages
  - contracts entered into by individuals before marriage
* have a tendency to perpetuate imbalances and inequity.
* imply the existence of children.

Trade agreement
* affect U.S. law, as do treaties.
* have an impact beyond international exchanges of goods.
* takes places.

### message | statement | agreement:

Treaty
* Some treaties do give regulatory power to treaty organizations instead of governments
  - legitimize nuclear arsenals and are significant roadblocks to nuclear disarmament
* Treaties are a contract between governments
  - way to say goodbye to separation, division and inequality
* Treaties are agreements between one or more nations
  - sovereign, independent nations
  - two parties
  - between the United States and Russia
  - high level documents that are signed by governments
  - international agreement
  - signed by members of the government of a country
* Treaties are the basis of the relationship between tribes and the United States
  - foundation of the legal decisions which uphold Indian fishing rights
  - law of the land under the U.S. Constitution
  - responsibility of our governments and of our people
* Treaties can be bilateral treaties or multilateral treaties
  - cut right across the rights given the people by the Constitutional Bill of Rights
  - do have the potential to affect the rights of the ordinary citizens in a state
  - form a common basis for negotiations between nations
  - have effects
  - regulate state behavior in times of peace and in times of war
  - an instrument
+ Ratification: Law
  * Treaties are signed by members of the government of a country. Many treaties make a country do something, or change the law of the countries which agree to it.

### message | statement | agreement | treaty:

International treaty
* International treaties bind ratifying countries to principles that they are obligated to honour.
* International treaties have constitutional status in domestic legislation
  - loopholes allowing continued trade in affected species
  - protect the rare birds when they're safe at home in Antarctica
  - rely on information to monitor their effectiveness and progress
  - seek to achieve international goals with national means
  - state that the only minority in Greece is the Muslim minority of Thrace
  - take effect in domestic law as soon as they are promulgated and published
* Many international treaties protect property rights around the world.
* prohibits importation of the endangered species animal parts.