Preferred Risk - Frederik Pohl

The Company insures you against everything. Everything except war, that is. But they've put an end to wars (or so they claim). The Company also controls everything. Including all the sources of weapons. The Company is dedicated to the happiness of mankind (or so they claim). Medical Treatment and Law Enforcement are just a few of the other services they provide to the entire world. Claims Adjuster Wills was a happy Company employee until his path crossed those of a man with no legs and a mysterious woman. All of a sudden, his world was turned upside down, and his decisions could determine the future of the planet. This collaborative work was originally published under the pseudonym Edson McCann. It was the winner of the 1955 Galaxy-Simon & Schuster novel contest. - Summary by Nick Bulka