What is the name meaning of ALO. Phrases containing ALO
See name meanings and uses of ALO!ALO
Topics referred to by the same term
Look up Alo, alo, -alo, or alo- in Wiktionary, the free dictionary. Alo or ALO may refer to: Alo (film), a 2003 Bengali drama Alo Creevey, a fictional
Alo
Athletic apparel retailer
Alo Yoga (stylized as alo) is an American premium athletic apparel retailer headquartered in Los Angeles. It was founded in 2007 by Danny Harris and Marco
Alo_Yoga
American mobster (1904–2001)
Vincent "Jimmy Blue Eyes" Alo (May 26, 1904 – March 9, 2001) was a New York mobster and a high-ranking capo in the Genovese crime family who set up casino
Vincent_Alo
Serbian daily tabloid newspaper
Alo! is a daily tabloid newspaper published in Belgrade, Serbia. In 2024, Alo published over 321 biased and unfounded articles in its newspaper. In 2025
Alo!
Topics referred to by the same term
Look up alos or álos in Wiktionary, the free dictionary. Alos may refer to: Aloş, a Turkish sculptor Alós, a surname Maria Alos (1973–2011), interdisciplinary
Alos
Bangladeshi daily newspaper
Prothom Alo (Bengali: প্রথম আলো) is a Bengali-language daily newspaper in Bangladesh, published from Dhaka. It is one of the most widely circulated newspapers
Prothom_Alo
Estonian male given name
Alo is an Estonian-language male given name. People named Alo include: Alo Bärengrub (born 1984), Estonian footballer Alo Dupikov (born 1985), Estonian
Alo_(given_name)
Restaurant in Toronto, Ontario, Canada
Alo is a Michelin-starred French restaurant in Toronto, Ontario, Canada. The restaurant opened in July 2015 by chef-owner Patrick Kriss. Kriss had previously
Alo_(restaurant)
Chiefdom and District in Wallis and Futuna, France
Alo (also known unofficially as Tu`a or the Kingdom of Futuna) is one of three official chiefdoms of the French territory of Wallis and Futuna, in Oceania
Alo_(Wallis_and_Futuna)
American softball player
Jocelyn Aloha Pumehana Alo (born September 23, 1998) is an American professional softball player for the Chicago Bandits of the Athletes Unlimited Softball
Jocelyn_Alo
Unusual compound of aluminium in its rare oxidation state II
monoxide is a compound of aluminium and oxygen with the chemical formula AlO. It has been detected in the gas phase after explosion of aluminized grenades
Aluminium(II)_oxide
1999 Venezuelan TV series or program
Aló Presidente (English: Hello, Mr. President) was a long-running, unscripted talk show hosted by Hugo Chávez, former President of Venezuela. It was broadcast
Aló_Presidente
Topics referred to by the same term
Andhare Alo (lit. 'Came In the Dark' in Bengali) may refer to these Indian films: Andhare Alo (1922 film), directed by Sisir Bhaduri Andhare Alo (1957 film)
Andhare_Alo
HKC ALO is a Dutch korfball team based in The Hague. Founded on February 1, 1906, ALO spent a number of years in the top divisions of the Dutch Korfball
HKC_ALO
Estonian television channel
Alo TV is a local interactive television channel in Tartu, Estonia. It includes 24/7 music videos and news. On weekdays it also shows local information
Alo_TV
2003 Indian film
Alo (transl. The Light) is a 2003 Bengali family drama film directed by Tarun Majumder and starring Rituparna Sengupta. The story is based on a short
Alo_(film)
Nigerian biologist
Emmanuel Babatunde Alo (born April 15, 1950) is a Nigerian professor of applied biology, ecosystems, entomology and parasitology. Alo is noted for his research
Emmanuel_Alo
Australian-born French rugby union player (born 2000)
Alo-Emile (born 18 January 2000) is an Australian-born French rugby union player, who plays for Stade Français. His preferred position is prop. Alo-Emile
Moses_Alo-Emile
English rugby union player
Biyi Alo (born 16 March 1994) is an English professional rugby union player who plays for Ealing Trailfinders in the English Championship. Alo has also
Biyi_Alo
Does not appear Nick Levan Sean Teale Does not appear Main Does not appear Alo Creevey Will Merrick Does not appear Main Does not appear Grace Blood Jessica
List_of_Skins_characters
Australian television and radio presenter
Alo Baker is an Australian television and radio presenter. Baker is best known for his Foxtel show Aussie Dreamlivers with two seasons also shown on Australia's
Alo_Baker
Indian actress
known for playing the lead roles of Joyee in the serial Joyee and Alo in the serial Alo Chhaya, both of which aired on Zee Bangla. She played Rajkumari
Debadrita_Basu
American rock band
Animal Liberation Orchestra (also known casually as ALO) is a California rock band currently signed to Jack Johnson's Brushfire Records label. They have
Animal_Liberation_Orchestra
Samoa international rugby union player
Paul Alo-Emile (born 22 December 1991) is a professional rugby union player who plays as a prop for Top 14 club Stade Français. Born in New Zealand, he
Paul_Alo-Emile
Bengali Drama
Alo Chhaya is an Indian Bengali television soap opera which premiered on 2 September 2019 as a replacement of the popular daily soap Joyee and aired on
Alo_Chhaya
Canadian dance group
co-director, IDL co-captain Kelvin Tu – IDL co-captain Andrew Ha Angelo Admana Alo Galedo Christian Demetillo Dayton Paradis Dillon Tran Eldon Linsangan Elijah
Brotherhood_(dance_group)
Bangladeshi film
Noyoner Alo (English: Eyesight) (Bengali: নয়নের আলো) is a 1984 Bangladeshi film directed by Belal Ahmed. It stars Zafar Iqbal, Kajori, Subarna Mustafa
Noyoner_Alo
Japanese earth observation satellite
Advanced Land Observing Satellite 4 (ALOS-4), also called Daichi 4 (daichi is a Japanese word meaning "great land"), is a 3,000 kg (6,600 lb) Japanese
ALOS-4
Estonian composer (born 1945)
Alo Põldmäe (born 22 May 1945 in Tartu) is an Estonian composer. In 1970, he graduated from the Tallinn State Conservatory. From 1972 to 1980, he was
Alo_Põldmäe
Venezuelan talk show hosted by Leopoldo Castillo
Aló Ciudadano (lit. 'Hello Citizen') is a Venezuelan talk show hosted by Leopoldo Castillo as the opposition counterpart of Aló Presidente launched by
Aló_Ciudadano
Indian politician
Alo Libang (born 1 March 1964) is an Indian politician from the state of Arunachal Pradesh. He is the current Member of Legislative Assembly from 34th
Alo_Libang
Annual Bangladeshi Awards Ceremony
The Meril-Prothom Alo Awards, or simply Prothom Alo Awards, is an annual Bangladeshi awards ceremony honouring cinematic achievements in Bangladeshi Film
Meril-Prothom_Alo_Awards
Italian artist
ALO (Aristide Loria) is an Italian fine artist based in London. He started his career in the UK capital where he began exhibiting with art galleries and
ALO_(artist)
Estonian musician and composer
Alo Mattiisen (22 April 1961 – 30 May 1996) was an Estonian musician and composer. One of the most famous melodies that he composed was a patriotic song
Alo_Mattiisen
The King of Alo (titled as Tu`i Agaifo) is the ruler of the polity of Alo, one of the two chiefdoms (Royaume coutumier, lit. 'customary kingdom') located
List_of_kings_of_Alo
Alo. Archived from the original on 13 January 2026. Retrieved 20 January 2026. Sarker, Prodip. "সংখ্যালঘু সম্প্রদায় থেকে ৮০ প্রার্থী". Prothom Alo (in
2026 Bangladeshi general election
2026_Bangladeshi_general_election
Political party in Afghanistan
The Afghanistan Liberation Organization (ALO; Dari: سازمان رهایی افغانستان, romanized: Sāzmān-e Rehāyī-ye Āfġānistān) is a Maoist political group in Afghanistan
Afghanistan Liberation Organization
Afghanistan_Liberation_Organization
Surname list
Alós is a surname. Notable people with the surname include: Albert Alós (1939–2022), Spanish-Nigerian engineer, academic, and missionary Ana Alós, Spanish
Alós
7th episode of the 6th series of Skins
"Alo" is the seventh episode of the sixth series of the British teen drama Skins. It first aired on E4 in the UK on 5 March 2012. The episode is told
Alo_(Skins_series_6)
Pharmaceutical compound
5-Allyloxy-AMT Clinical data Other names 5-Allyloxy-αMT; 5-AlO-AMT; 5-AlO-αMT; 5-Allyloxy-α-methyltryptamine; 2-(5-Allyloxy-1H-indol-3-yl)-1-methylethylamine;
5-Allyloxy-AMT
12th-century king of Maui
In Hawaiian legends, Alo is a name of a High Chief that ruled as the Moʻi of Maui. He was the sovereign king or chief of the island of Maui. Sometimes
Alo_of_Maui
Men's association football team
সবচেয়ে বেশি ম্যাচ কার. Prothom Alo (in Bengali). Retrieved 29 May 2025. বাফুফের কাছে নেই আন্তর্জাতিক ম্যাচের হিসাব!. Prothom Alo (in Bengali). Archived from
Bangladesh national football team
Bangladesh_national_football_team
Nigerian engineer and academic (1939–2026)
Albert Alós Rovira (17 September 1939 – 5 September 2026) was a Spanish-born Nigerian engineer, academic and Opus Dei faithful. He moved to Nigeria in
Albert_Alós
Grameenphone - Prothom Alo Sports Person of the Year Grameenphone - Prothom Alo Sports Runners-up of the Year Grameenphone - Prothom Alo Sport Woman of the
Grameenphone Prothom-alo sports awards
Grameenphone_Prothom-alo_sports_awards
Estonian basketball player (1913–2008)
Alo Suurna (until 1936 Albert Schultz; 9 May 1913 – 8 December 2008) was an Estonian basketball player. He was born in Tartu. 1934–1935 he studied forestry
Alo_Suurna
1964 Indian film
Momer Alo is a 1964 Bengali drama film directed by Salil Dutta. The film stars Uttam Kumar and Sabitri Chatterjee in lead roles. It has music composed
Momer_Alo
English actor (born 1993)
generation of the BAFTA winning, E4 television series Skins as the character Alo Creevey. Merrick originates from Ledbury in Herefordshire. He attended The
Will_Merrick
Estonian cyclist (born 1986)
Alo Jakin (born 14 November 1986) is an Estonian cyclist and coach, who most recently rode for Estonian amateur team Peloton. Jakin rode professionally
Alo_Jakin
1936 film directed by Adhemar Gonzaga
Alô, Alô, Carnaval (English: Hello, Hello Carnival) is a 1936 Brazilian musical comedy film directed and produced by Adhemar Gonzaga and Wallace Downey
Hello,_Hello,_Carnival!
Japanese satellite
Advanced Land Observing Satellite 3 (ALOS-3), also called Daichi 3, was a 3-ton Japanese satellite launched on March 7 2023 which failed to reach orbit
ALOS-3
Anti-government students' movement
Prothom Alo. 29 July 2024. Archived from the original on 3 August 2024. Retrieved 3 August 2024. "21 bodies buried as unclaimed". Prothom Alo. 25 July
2024 Bangladesh quota reform movement
2024_Bangladesh_quota_reform_movement
Estonian theater, film, and television actor
Alo Kõrve (born 2 December 1978) is an Estonian stage, film, and television actor. Alo Kõrve was born in Jõgeva, Jõgeva County to Are Kõrve and his wife
Alo_Kõrve
Brazilian television series base on American TV series I Love Lucy
Alô, Doçura! is a Brazilian television series created by Cassiano Gabus Mendes and aired by TV Tupi (1953–1964). It was based on the American series I
Alô,_Doçura!
Novel by Sunil Gangopadhyay
First Light (Bengali: প্রথম আলো) is a historical novel by Sunil Gangopadhyay, centering on historical figures like Rabindranath Tagore, Swami Vivekananda
First_Light_(Ganguly_novel)
Bangladeshi actress and model
Bangladeshi television drama actress and model. She received the Meril-Prothom Alo Award for Best Actress in the short film category for her notable performance
Tanjim_Saiyara_Totini
Spanish writer
María Concepción Alós Domingo (22 May 1926 – 1 August 2011), better known as Concha Alós, was a Spanish writer. She was a recipient of the Premio Planeta
Concha_Alós
Bangladeshi film actor, producer, occasional singer, film organiser and media personality
accolades in his long career, including 4 National Film Awards, 8 Meril Prothom Alo Awards, 3 Bachsas Awards and 4 CJFB Performance Awards. His 2010 success
Shakib_Khan_filmography
American actor and professional wrestler (born 1972)
Johnson was given the noble title Seiuli, meaning the son of Malietoa [Alo o Malietoa], by Malietoa Tanumafili II during his visit there. In 2017, Johnson
Dwayne_Johnson
Bangladeshi romantic drama film
Dui Noyoner Alo is a 2005 Bangladeshi romantic drama film directed by Mostafizur Rahman Manik. The film was produced by Humayun Kabir under the banner
Dui_Noyoner_Alo
Daily newspaper in Bangladesh
The Daily Shomoyer Alo is a daily newspaper from Bangladesh and published in the Bengali-language. It was first published on 2 March 2019, with the inauguration
The_Daily_Shomoyer_Alo
Country in South Asia
Tribune, The Financial Express, Bangladesh Pratidin, Kaler Kantho, Prothom Alo, The Daily Ittefaq and Jugantor. Bangladesh Betar is the lone state-run radio
Bangladesh
6th episode of the 5th series of Skins
"Alo" is the sixth episode of fifth series of the British teen drama Skins, which first aired on 3 March 2011 on E4. It focuses on Aloysius "Alo" Creevey
Alo_(Skins_series_5)
2024 mass uprising in Bangladesh
September 2024). "Student-people uprising: More than 18,000 injured". Prothom Alo. Campbell, Charlie (5 August 2024). "Bangladesh Protests Become 'People's
July_Uprising
Filipino Catholic bishop (1939–2021)
Patricio Hacbang Alo (2 December 1939 – 13 April 2021) was a Filipino Catholic bishop. Alo was born in the Philippines and was ordained to the priesthood
Patricio_Hacbang_Alo
Village in Kristiansand Municipality, Norway
Ålo is a village in Kristiansand Municipality in Agder county, Norway. The village is located on the west side of the mouth of the Trysfjorden, about
Ålo
Country in East Africa
Archived from the original on 2 January 2022. Retrieved 2 January 2022. Alòs-Moner AM. "Gondarine Art and Architecture (HaAh 523) – Course Syllabus".
Ethiopia
Mass uprising against the government of Bangladesh
hospital after being shot". Prothom Alo. "কর্তৃপক্ষের নির্দেশে মোবাইল ইন্টারনেট বন্ধ: অপারেটরদের বিবৃতি". Prothom Alo (in Bengali). Archived from the original
Non-cooperation movement (2024)
Non-cooperation_movement_(2024)
Estonian footballer
Alo Dupikov (born 5 November 1985 in Kehtna) is a former Estonian professional footballer, who played as a striker. During his career he earned five caps
Alo_Dupikov
Airport in Iowa, United States
Waterloo Regional Airport (IATA: ALO, ICAO: KALO, FAA LID: ALO)( Livingston Betsworth Field) is four miles (6 km) northwest of Waterloo, in Black Hawk
Waterloo_Regional_Airport
more than 30 awards including four National Film Awards, nine Meril Prothom Alo Awards, three Bachsas Awards and seven CJFB Performance Awards. For the role
List of awards and nominations received by Shakib Khan
List_of_awards_and_nominations_received_by_Shakib_Khan
interactions in multiple online worlds: Sword Art Online (SAO), Alfheim Online (ALO), Gun Gale Online (GGO), and Underworld (UW). Sword Art Online has an extensive
List of Sword Art Online characters
List_of_Sword_Art_Online_characters
Union Council in Khyber Pakhtunkhwa, Pakistan
Alo is union council of Mardan District in Khyber Pakhtunkhwa province of Pakistan. It has an altitude of 406 metres (1335 feet). Tehsils & Unions in
Alo,_Mardan
Song by Lili'uokalani, Princess of the Hawaiian Kingdom
Aloha Oe "Aloha Oe" by Madam Nani Alapai and Henry N. Clark, 1911 Problems playing this file? See media help. Aloha Oe "Aloha Oe" by William Smith and
Aloha_ʻOe
2010 Bangladeshi TV and film awards
The 12th Meril Prothom Alo Awards ceremony, presented by Prothom Alo, took place on April 9, 2010, at the Bangabandhu International Conference Center
12th_Meril-Prothom_Alo_Awards
Bangladeshi actor
Punorabritti (2017), directed by Saleh Sobhan Anim. He won the Meril-Prothom Alo Award for Best TV Actor for his performances in the television drama Rod
Khairul_Basar
The Meril-Prothom Alo Award for Best Film Actor is an award jointly presented by Meril and Prothom Alo in recognition of the contribution of Bangladeshi
Meril-Prothom Alo Award for Best Film Actor
Meril-Prothom_Alo_Award_for_Best_Film_Actor
Award
PHP Qur'aner Alo: Protibhar Sandhane is a Quranic recitation competition organized by NTV in Bangladesh. The competition is held annually with sponsorship
PHP_Quraner_Alo
American basketball player (born 2002)
2017: Barnhill 2018: Garcia 2019: Garcia 2020: No award 2021: Garcia 2022: Alo 2023: Fouts 2024: Canady 2025: Canady 2026: Frahm Swimming & diving 1977:
Caitlin_Clark
Afghan communist leader (1946–1986)
was an Afghan politician who led the Afghanistan Liberation Organization (ALO), a Maoist organisation established in Kabul. Ahmad was born in Kandahar
Faiz_Ahmad
2024 Bangladeshi crime thriller film by Raihan Rafi
'Toofan'". Prothom Alo. 2023-12-11. Retrieved 2024-03-14. Ahamed, Shakil (2024-04-23). "'তুফান'-এ শাকিবের সঙ্গে চঞ্চল". Prothom Alo (in Bengali). Retrieved
Toofan_(2024_film)
2014 film
Glow of the Firefly (Bengali: জোনাকির আলো, romanized: Jonakir Alo) is a 2014 Bangladeshi drama film written and directed by Khalid Mahmud Mithu. It was
Glow_of_the_Firefly
Bangladeshi doctor (born 1972)
2025. Retrieved 7 May 2025. "Tarique's wife terminated from job". Prothom Alo. 1 September 2014. Archived from the original on 12 August 2024. Retrieved
Zubaida_Rahman
Bangladeshi film actress, model, producer and playback singer
also earned four Filmfare Awards East, Zee Cine Awards, and Meril-Prothom Alo Awards. Ahsan was born to A. S. Maswood (d. 2012) and Rehana Maswood in Bangladesh
Jaya_Ahsan
Estonian painter (1916–1993)
Alo Hoidre (until 1935 Horn, né Aleksander; January 26, 1916 – October 2, 1993) was an Estonian painter, book illustrator, and printmaker. Hoidre was
Alo_Hoidre
British sprinter
Celine Obinna-Alo (born 28 April 2010) is a British sprinter. In 2025, she set the British women's under-17 best time for the 60 metres. Born in Middlesbrough
Celine_Obinna-Alo
Emirati footballer (born 1979)
Haider Alo Ali Mohamed (Arabic: حيدر ألو علي محمد; born 25 December 1979) is an Emirati footballer, who played at 2007 AFC Asian Cup. "Haider Alo Ali Mohammed"
Haider_Alo_Ali
Bangladeshi composer (born 1983)
model. He was awarded the 15th Meril-Prothom Alo Awards-Best Singer (2012) and the 16th Meril-Prothom Alo Awards-Best Singer (2013). Rumey was born on
Arfin_Rumey
Estonian footballer
Alo Bärengrub (born 12 February 1984) is a retired Estonian professional footballer who played as a centre-back. Bärengrub was born in Kehtna, and made
Alo_Bärengrub
2026 Bangladeshi film
screenplay for relying on conventional commercial cliches. Writing for Prothom Alo, Masum Apu described Rakkhosh as a commercial entertainer anchored by Siam
Rakkhosh_(2026_film)
Brand-name of a laundry detergent manufactured by Procter & Gamble
brands Tide Pods Ace (Morocco, Puerto Rico and Latin America except Ecuador and Panama) Alo (Turkey) Vizir (Poland) Markets Worldwide Website www.tide.com
Tide_(brand)
2025 Bangladeshi film
কী কথা হয়েছে দুজনের. Prothom Alo (in Bengali). 2024-10-27. Retrieved 2024-10-28. আবারও শাকিব ও ইধিকা জুটি. Prothom Alo (in Bengali). 2024-08-21. Retrieved
Borbaad_(2025_film)
Bangladeshi actor
contribution to the Bangladeshi entertainment industry, including the Meril Prothom Alo Awards and national-level honors. Before starting his acting career, he was
Mosharraf_Karim
Activity of trying to catch fish
November 2021 at the Wayback Machine Stuff, 15 December 2015. Lennox, Robert J; Alós, Josep; Arlinghaus, Robert; Horodysky, Andrij; Klefoth, Thomas; Monk, Christopher
Fishing
Yemeni footballer
Ahmed Alos (born April 3, 1994) is a Yemeni football striker who currently plays for Al-Wehda Aden. His international debut came in 2016, at an AFC Asian
Ahmed_Alos
Argentine football player and manager (1960–2020)
Maradona went further, making an appearance on Chávez's weekly television show Aló Presidente and saying, "I hate everything that comes from the United States
Diego_Maradona
ঢাবি উপাচার্য. Prothom Alo (in Bengali). January 26, 2024. Retrieved February 3, 2024. সাইফ উল হকের স্থাপত্য ভাবনা. Ananda Alo (in Bengali). August 21
List of alumni of Notre Dame College, Dhaka
List_of_alumni_of_Notre_Dame_College,_Dhaka
2017 film by Kamaleshwar Mukherjee
"Mithe Alo." The soundtrack contains four songs, including some sung by popular singers Atif Aslam and Arijit Singh. The first single, titled "Mithe Alo",
Cockpit_(2017_film)
Estonian wrestler
Alo Toom (born 18 March 1986) is an Estonian wrestler. He was born in Vändra, Pärnu County. In 2005 he graduated from Audentes Sports Gymnasium, and 2015
Alo_Toom
Austronesian language spoken in Vanuatu
been referred to using the names of its local varieties: Päk, Sasar, and Alo-Teqel. Judging from wordlists published by missionary and linguist Robert
Lemerig_language
Bangladeshi actress and film director
Prothom Alo Award, 2013]. Prothom Alo (in Bengali). April 17, 2014. "Meril Prothom Alo Awards Gala Night". Prothom Alo. May 9, 2015. Archived from the original
Moushumi
travel, tourism, insurance
ALO
Male
Babylonian
, ram of light. Adam (?)
Male
French
Variant spelling of French Provençal Looys, ALOYS means "famous warrior."
Male
German
German name derived from Latin Aloisius, ALOÃS means "famous warrior."
Girl/Female
German, Spanish
Renowned in Battle; Famous Warrior; Famous in Battle; Female Version of Aloysius
Male
Czechoslovakian
, famous war.
Male
Portuguese
Portuguese form of Spanish Gonzalo, GONÇALO means "battle genius; war elf."
Girl/Female
French German
A French Provincial. Aloysius is the name of the Italian Saint Aloysius of Gonzaga, and common...
Female
Slovene
Feminine form of Slovene Alojzij, ALOJZIJA means "famous warrior."
Male
Slovene
Slovak and Slovene form of Latin Aloisius, ALOJZ means "famous warrior."
Girl/Female
Spanish
Famous in battle. Feminine of Aloysius.
Male
English
(×ַלï‹×Ÿ) Variant spelling of English Allon, ALON means "oak tree."
Male
Portuguese
Portuguese form of Latin Aloisius, ALOISIO means "famous warrior."
Male
English
English variant spelling of Spanish Alonso, ALONZO means "noble and ready."
Female
Hebrew
(×Ö·×œÖ¼ï¬µ× Ö¸×”) Feminine form of Hebrew Alon, ALONA means "oak tree."
Female
Spanish
Contracted form of Spanish Alejandra, ALONDRA means "defender of mankind." It may also be given as a bird name if derived from the Spanish word alondra, meaning "lark."
Female
German
 Feminine form of German Aloïs, ALOÃSIA means "famous warrior."
Male
Slovene
Slovene form of Latin Aloisius, ALOJZIJ means "famous warrior."
Male
Italian
Italian variant spelling of Italian/Spanish Alfonso, ALONSO means "noble and ready."Â
Girl/Female
French German Teutonic
A French Provincial. Aloysius is the name of the Italian Saint Aloysius of Gonzaga, and common...
Male
Polish
Polish form of Latin Aloisius, ALOJZY means "famous warrior."
ALO
ALO
ALO
ALO
ALO
ALO
ALO
travel, tourism, insurance