Consistent with its objectives, ARIAS•U.S. has promulgated the following procedural rules for use in insurance and reinsurance arbitrations: ARIAS•U.S. Rules for the Resolution of U.S. Insurance and Reinsurance Disputes; ARIAS•U.S. Neutral Panel Rules for the Resolution of U.S. Insurance and Reinsurance Disputes; ARIAS•U.S. Streamlined Rules for the Resolution of U.S. Insurance and Reinsurance Disputes; and ARIAS•U.S. Panel Rules for the Resolution of Insurance and Contract Disputes. ARIAS•U.S. recognizes that arbitration exists by agreement of the parties. Parties can agree to arbitrate under these rules when they enter into the operative insurance or reinsurance agreement or at a subsequent time. Simple arbitration clauses for the adoption of these rules either individually or in combination are provided below.