Essentials of Insurance

ISBN-10: 047133183X

ISBN-13: 9780471331834

Edition: 2nd 2001

List price: $97.95
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Description: This text is a consumer orientated text with an emphasis on the insurance product. Risk management is examined along with new sections on employee benefits and business uses of life and health insurance.

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Book details

List price: $97.95
Edition: 2nd
Copyright year: 2001
Publisher: John Wiley & Sons, Incorporated
Publication date: 11/21/2000
Binding: Hardcover
Pages: 656
Size: 7.66" wide x 9.53" long x 1.15" tall
Weight: 2.662
Language: English

Dr. Emmett J. Vaughan was a professor at the University of Iowa in the Tippie College of Business. For 20 years he served as the editor of the "Agency Mangement Manual," Dr. Vaughan also served as a consultant to the US Department of LaborTherese M. Vaughan is the Robb B. Kelley Distinguished Professor of Insurance and Actuarial Science at Drake University. Prior to joining Drake, she served as Iowa Insurance Commissioner for over 10 years and as President of the National Association of Insurance Commissioners.

Commissioner of Insurance, State of Iowa.

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
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