We just started using Office 2003. We would like to use Outlook to manage all
the contacts for a small insurance office, including many that are mail/phone
only with no fax or email. I have input all our clients, but when my boss
uses Outlook calendar or contacts, only those contacts w/ email addresses or
faxes are accessible.

Accessible where? Any contacts you enter in the Contacts folder should be visible there.

He needs to be able to keep clients with no email in
the same database as clients etc with email (for mailing, among other things).
Also, he would like to be able to use calendar to schedule an appointment
AND have that person's contact info show up on the calendar.

No version of Outlook does that out of the box. The best that Outlook can do is hold a link to the contact in the Contacts box on the appointment item.

He needs to be
able to email the appointment to me (as can be done with calendar), and have
the contact be attached to the appointment

That's not a built-in feature.

and, hopefully, automatically insert itself into my Outlook contacts.

And neither is that. What the boss can do is send you a vCard .vcf file as an attachment that you can open and save to Outlook.

--
Sue Mosher, Outlook MVP
Author of Configuring Microsoft Outlook 2003
http://www.turtleflock.com/olconfig/index.htm
and Microsoft Outlook Programming - Jumpstart for
Administrators, Power Users, and Developers
http://www.outlookcode.com/jumpstart.aspx