This consumer-oriented textbook addresses the principles of risk management without skimping on the discussion of insurance. It summarizes the nature of pure risk on the individual and on society and illustrates how insurance can be used to deal with the problems posed by such risk. Mirroring the diverse experience of its authors, the text is equally effective in presenting the principles of insurance theory and offering how-to advice to students. Throughout, the main emphasis is on the insurance product and the use of insurance within the risk management framework. The traditional fields of life insurance, health insurance, property and liability insurance, and social insurance are treated in terms of their relationship to the wide range of insurable risks to which the individual and the business firm are exposed.
Auflage
Sprache
Verlagsort
Verlagsgruppe
Zielgruppe
Editions-Typ
Maße
Höhe: 260 mm
Breite: 210 mm
Gewicht
ISBN-13
978-0-471-45262-1 (9780471452621)
Schweitzer Klassifikation
SECTION ONE: RISK, INSURANCE, AND RISK MANAGEMENT. 1. The Problem of Risk. 2. Introduction to Risk Management. 3. The Insurance Device. 4. Risk Management Applications. 5. The Private Insurance Industry. 6. Regulation of the Insurance Industry. 7. Functions of Insurers. 8. Financial Aspects of Insurer Operations. 9. The Legal Framework. SECTION TWO: LIFE AND HEALTH INSURANCE. 10. Managing Personal Risks. 11. Social Insurance Programs. 12. Introduction to Life Insurance. 13. The Actuarial Basis of Life Insurance. 14. The Life Insurance Contract-General Provisions. 15. The Life Insurance Contract-Other Provisions. 16. Special Life Insurance Forms. 17. Buying Life Insurance. 18. Annuities and Pension Benefits. 19. Managing the Retirement Risk. 20. Health Insurance: Disability Income Insurance. 21. Health Insurance: Coverage for Medical Expenses. 22. Health Insurance for the Elderly. 23. Employee Benefits and Other Business Uses of Life and Health Insurance. SECTION THREE: PROPERTY AND LIABILITY INSURANCE. 24. The Homeowners Policy -. General Provisions. 25. The Homeowners Policy Forms. 26. Other Personal Forms of Property Insurance. 27. Negligence and Legal Liability. 28. General Liability Insurance for the Individual. 29. The Automobile and its Legal Environment. 30. The Personal Auto Policy. 31. Commercial Property Insurance. 32. Commercial Liability Insurance. 33. Surety Bond and Credit Insurance. 34. Insurance in the Future. Glossary. Author Index. Subject Index.
