outlook express.
Has everything you want.
Incoming server is the POP3 or IMAP server (your inbox in few words).
outgoing server is the SMTP SERVER (your outbox in few words).
These info for your e-mail gave to you from the e-mail client you use.
Open outlook express click on tools menu, then accounts and click on create new account. Fill-in all the apropriate info.
You can find detailed instructions on how to proper configure outlook express in your ISP web page, or in the e-mail webpage you want to use.
If for example you want to create an AIM mail account (this is an IMAP mail server) means internet based mail account, you can find all the info in http:// www.aim.com
Have a nice day.
P.S. http://services.msn.com/svcs/hotmail/httpmail.asp
Choose HTTP e-mail, if you want to create a hotmail account, ant type the above in server URL. That way you can receive and send e-mails threw hotmail using outlook express.
May not work for everyone as Microsoft disable this function from non premium hotmail users. But it work for me and I AM NOT a premium user(don't pay for Hotmail services.)
So you can try it.