| |
| |
| Risk, Risk Management, And Insurance | |
| |
| |
| The Problem with Risk | |
| |
| |
| The Concept of Risk | |
| |
| |
| Classifications of Risk | |
| |
| |
| Risks of the Modern Environment | |
| |
| |
| Risk Management | |
| |
| |
| The History of Modern Risk Management | |
| |
| |
| Risk Management Defined | |
| |
| |
| Risk Management Tools | |
| |
| |
| Risk Management as a Business Function | |
| |
| |
| Misconceptions About Risk Management | |
| |
| |
| Risk Management and the Individual | |
| |
| |
| The Insurance Device | |
| |
| |
| The Nature and Functions of Insurance | |
| |
| |
| Private (Voluntary) Insurance | |
| |
| |
| Social Insurance | |
| |
| |
| Public Guarantee Insurance Programs | |
| |
| |
| Similarities in the Various Fields of Insurance | |
| |
| |
| The Risk Management Process | |
| |
| |
| The Risk Management Process | |
| |
| |
| Determination of Objectives | |
| |
| |
| Identifying Risk Exposures | |
| |
| |
| Evaluating Risks | |
| |
| |
| Consideration of Alternatives and Selection of the Risk Treatment Device | |
| |
| |
| Implementing the Decision | |
| |
| |
| Evaluation and Review | |
| |
| |
| Risk Management Applications | |
| |
| |
| Risk Control | |
| |
| |
| Risk Financing | |
| |
| |
| The Private Insurance Industry | |
| |
| |
| A Brief History of Private Insurance | |
| |
| |
| Classification of Private Insurers | |
| |
| |
| Cooperation in the Insurance Industry | |
| |
| |
| Competition in the Insurance Industry | |
| |
| |
| Functions of Insurers | |
| |
| |
| Ratemaking | |
| |
| |
| Production | |
| |
| |
| Underwriting | |
| |
| |
| Loss Adjustment | |
| |
| |
| Miscellaneous Functions | |
| |
| |
| Financial Aspects of Insurer Operations | |
| |
| |
| Taxation of Insurance Companies | |
| |
| |
| Regulation of the Insurance Industry | |
| |
| |
| The Why of Government Regulation of Insurance | |
| |
| |
| A Brief History of Insurance Regulation | |
| |
| |
| Regulation Today | |
| |
| |
| Areas Regulated | |
| |
| |
| State versus Federal Regulation | |
| |
| |
| The Availability/Affordability Debate | |
| |
| |
| The Legal Framework | |
| |
| |
| Insurance and the Law of Contracts | |
| |
| |
| Special Legal Characteristics of Insurance Contracts | |
| |
| |
| Life And Health Insurance | |
| |
| |
| Managing Personal Risks | |
| |
| |
| Objectives in Managing Personal Risks | |
| |
| |
| Other steps in Managing Personal Risks | |
| |
| |
| Managing Risks Associated with Premature Death | |
| |
| |
| Managing the Retirement Risk | |
| |
| |
| Risks Associated With Disability | |
| |
| |
| Evaluating the Medical Expense Exposure | |
| |
| |
| Social Insurance Programs | |
| |
| |
| Old-Age, Survivors', Disability, and Health Insurance | |
| |
| |
| Workers Compensation | |
| |
| |
| Unemployment Insurance | |
| |
| |
| Compulsory Temporary Disability Insurance Laws | |
| |
| |
| Introduction to Life Insurance | |
| |
| |
| Some Unique Characteristics of Life Insurance | |
| |
| |
| Current Life Insurance Products | |
| |
| |
| General Classifications of Life Insurance | |
| |
| |
| Annuities | |
| |
| |
| The Life Insurance Contract | |
| |
| |
| Inception of the Life Insurance Contract | |
| |
| |
| General provisions of Life Insurance Contracts | |
| |
| |
| Important Optional Provisions | |
| |
| |
| Universal Policy Provisions | |
| |
| |
| Buying Life Insurance and Estate Planning | |
| |
| |
| Decisions in Buying Life Insurance | |
| |
| |
| Estate Planning | |
| |
| |
| Health Insurance: Disability Income Insurance | |
| |
| |
| Disability Income Insurance | |
| |
| |
| Programming and Buying Disability Income Insurance | |
| |
| |
| Limited Health Insurance Policies | |
| |
| |
| Individual Health Insurance Policy Provisions | |
| |
| |
| Health Insurance--Coverage for Medical Expenses | |
| |
| |
| Background on the Current Health Insurance Market | |
| |
| |
| The Health Insurance Market | |
| |
| |
| The Insurance Product | |
| |
| |
| Health Insurance for the Elderly | |
| |
| |
| Buying Health Insurance | |
| |
| |
| The Future of Health Insurance | |
| |
| |
| Employee Benefits and Business Uses of Life and Health Insurance | |
| |
| |
| Employee Benefits Generally | |
| |
| |
| Group Life and Health Insurance | |
| |
| |
| Pensions | |
| |
| |
| Traditional Individual Retirement Accounts | |
| |
| |
| Some Specialized Uses of Life Insurance in Business | |
| |
| |
| Property And Liability Insurance | |
| |
| |
| The Homeowners Policy | |
| |
| |
| Historical Development | |
| |
| |
| Homeowners Section I Coverages | |
| |
| |
| Homeowners Form 3--Perils Insured | |
| |
| |
| Features of Other Homeowners Forms | |
| |
| |
| Homeowners Policy Conditions | |
| |
| |
| Other Personal Forms of Property Insurance | |
| |
| |
| Monoline Fire Dwelling Program | |
| |
| |
| Mobilehome Program | |
| |
| |
| Flood Insurance | |
| |
| |
| Personal Inland Marine Floaters | |
| |
| |
| Insurance on Watercraft | |
| |
| |
| Buying Property Insurance for the Individual | |
| |
| |
| Negligence and Legal Liability | |
| |
| |
| Criminal and Tortious Behavior | |
| |
| |
| Possible Changes in the Tort System | |
| |
| |
| General Liability Insurance for the Individual | |
| |
| |
| Liability Insurance in General | |
| |
| |
| Comprehensive Personal Liability Coverage | |
| |
| |
| Homeowners Section II Endorsements | |
| |
| |
| Umbrella Liability Policy | |
| |
| |
| The Automobile and Its Lega Environment | |
| |
| |
| A Brief Overview of Automobile Coverages | |
| |
| |
| Legal Liability and the Automobile | |
| |
| |
| The Automobile Insurance Problem and Changes in the Tort System | |
| |
| |
| Cost of Automobile Insurance | |
| |
| |
| The Shifting View of Auto Insurance | |
| |
| |
| The Personal Auto Policy | |
| |
| |
| General Nature of the Personal Auto Policy | |
| |
| |
| Liability Coverage | |
| |
| |
| Medical Payments Coverage | |
| |
| |
| Uninsured Motorist Coverage | |
| |
| |
| Physical Damage Coverage | |
| |
| |
| Policy Conditions | |
| |
| |
| Named Non-Owner Policy | |
| |
| |
| Buying Auto Insurance | |
| |
| |
| Commercial Property and Liability Coverages | |
| |
| |
| Commercial Property Insurance | |
| |
| |
| Boiler and Machinery Insurance | |
| |
| |
| Marine Insurance | |
| |
| |
| Crime Insurance | |
| |
| |
| General Liability Insurance | |
| |
| |
| Workers Compensation and Employers Liability | |
| |
| |
| Commercial Auto and Aviation Insurance | |
| |
| |
| Package Policies for Business Firms | |
| |
| |
| Insurance in the Future | |
| |
| |
| Social Insurance Programs | |
| |
| |
| Changes in the Legal Environment | |
| |
| |
| Changes in the Insurance Industry | |
| |
| |
| Globalization of Insurance | |
| |
| |
| Some Persistent Problems | |
| |
| |
| Career Opportunities in Insurance | |
| |
| |
| Glossary | |
| |
| |
| State Insurance Commissioners | |
| |
| |
| Whole Life Policy | |
| |
| |
| Universal Life Policy | |
| |
| |
| Homeowners Policy | |
| |
| |
| Personal Auto Policy | |
| |
| |
| Index | |