Principles of risk management and insurance:
Gespeichert in:
| 1. Verfasser: | |
|---|---|
| Format: | Buch |
| Sprache: | English |
| Veröffentlicht: |
Boston [u.a.]
Addison-Wesley
2003
|
| Ausgabe: | 8. ed. |
| Schriftenreihe: | The Addison-Wesley series in finance
|
| Schlagworte: | |
| Online-Zugang: | Inhaltsverzeichnis |
| Beschreibung: | Erg. bildet: McNamara, Michael J.: Study guide ... |
| Beschreibung: | XVII, 686 S. graph. Darst. |
| ISBN: | 0321189221 |
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Datensatz im Suchindex
| _version_ | 1804135952234315776 |
|---|---|
| adam_text | Contents
Preface xv
PART ONE Basic Concepts in Risk Management and Insurance 1
chapter 1 Risk in Our Society 2
Meaning of Risk 3
Chance of Loss 4
Peril and Hazard 5
Basic Categories of Risk 6
Types of Pure Risk 7
Burden of Risk on Society 11
Methods of Handling Risk 11
Summary 14 ¦ Key Concepts and Terms 15 ¦ Review Questions 15
Application Questions 15 ¦ Selected References 15 ¦ Notes 16
Case Application 16
Insight 1.1: Making Ends Meet Can Be Tough for Widows 8
Insight 1.2: Runaway Car Hits Toddler, Kills Her Father 10
chapter 2 Insurance and Risk 17
Definition of Insurance 18
Basic Characteristics of Insurance 18
Requirements of an Insurable Risk 20
Two Applications: The Risks of Fire and Unemployment 22
Adverse Selection and Insurance 22
Insurance and Gambling Compared 23
Insurance and Hedging Compared 24
Types of Insurance 24
Benefits of Insurance to Society 27
Costs of Insurance to Society 28
Summary 30 ¦ Key Concepts and Terms 31 ¦ Review Questions 31
Application Questions 31 ¦ Selected References 32 • Notes 32
Case Application 31
Insight 2.1: Insurance Fraud Comes In All Shapes and Sizes 29
Appendix Basic Statistics and the Law of Large Numbers 33
chapter 3 Introduction to Risk Management 37
Meaning of Risk Management 38
Objectives of Risk Management 38
Steps in the Risk Management Process 39
V
vi CONTENTS
Identifying Potential Losses 39
Evaluating Potential Losses 40
Selecting the Appropriate Techniques for Treating Loss Exposures 41
Implementing and Administering the Risk Management Program 48
Personal Risk Management 48
Summary 50 ¦ Key Concepts and Terms 51 ¦ Review Questions 51
Application Questions 52 ¦ Selected References 53 ¦ Notes 53
Case Application 1 52
Case Application 2 53
Insight 3.1: Why Do Employers Self Insure
Their Group Health Plans? 44
chapter 4 Advanced Topics in Risk Management 54
The Changing Scope of Risk Management 55
Insurance Market Dynamics 59
Loss Forecasting 62
Financial Analysis in Risk Management Decision Making 64
Use of Technology in Risk Management Programs 66
Summary 70 ¦ Key Concepts and Terms 70 ¦ Review Questions 70
Application Questions 71 ¦ Selected References 72 ¦ Notes 72
Case Application 1 71
Case Application 2 72
Insight 4.1: The Final Frontier of Risk 58
Insight 4.2: Enhanced Risk Mapping 68
Appendix Loss Forecasting Using the Normal Distribution 74
PART TWO Legal Principles in Risk and Insurance 77
chapter 5 Fundamental Legal Principles 78
Principle of Indemnity 79
Principle of Insurable Interest 81
Principle of Subrogation 83
Principle of Utmost Good Faith 85
Requirements of an Insurance Contract 86
Distinct Legal Characteristics of Insurance Contracts 88
Law and the Insurance Agent 89
Summary 91 ¦ Key Concepts and Terms 92 ¦ Review Questions 92
Application Questions 93 ¦ Selected References 94 ¦ Notes 94
Case Application 93
Insight 5.1: No Insurable Interest at the Time of Death:
Is a Corporation Entitled to the Life Insurance
Proceeds? 83
Insight 5.2: Misrepresentation in Application
for Auto Coverage 85
CONTENTS vii
chapter 6 Analysis of Insurance Contracts 96
Basic Parts of an Insurance Contract 97
Definition of the Insured TOO
Endorsements and Riders 100
Deductibles 101
Coinsurance 102
Coinsurance in Health Insurance 104
Other Insurance Provisions 104
Summary 106 ¦ Key Concepts and Terms 107 • Review Questions 107
Application Questions 107 ¦ Selected References 109 ¦ Notes 109
Case Application 108
Insight 6.1: Are Acts of Terrorism Excluded by the War Clause? 99
PART THREE Personal Property and Liability Risks 111
chapter 7 The Liability Risk 112
Basis of Legal Liability 113
Law of Negligence 113
Imputed Negligence 115
Res Ipsa Loquitur 116
Specific Applications of the Law of Negligence 116
Special Tort Liability Problems 119
Reforming the Civil Justice System 123
Summary 125 ¦ Key Concepts and Terms 126 ¦ Review Questions 126
Application Questions 126 ¦ Selected References 127 ¦ Notes 128
Case Application 127
Insight 7.1: Medical Errors Rank with Highway Accidents and Breast
Cancer as a Major Killer in the United States 120
Insight 7.2: Man Sues Father, but It s Nothing Personal 122
chapter 8 Homeowners Insurance, Section I 129
Homeowners 2000 Program 130
Analysis of Homeowners 3 Policy (Special Form) 134
Section I Coverages 134
Section I Perils Insured Against 140
Section I Exclusions 144
Section I Conditions 146
Section I and II Conditions 150
Summary 151 ¦ Key Concepts and Terms 151 ¦ Review Questions 152
Application Questions 152 ¦ Selected References 153 ¦ Notes 154
Case Application 153
Insight 8.1: Renters Insurance Is a Must
If You Rent an Apartment or House 131
Insight 8.2: Toxic Mold Claims: A Critical Problem
in Homeowners Insurance 142
viii CONTENTS
Insight 8.3: Actual Cash Value Coverage on Personal
Property Can Cost You a Bundle 147
chapter 9 Homeowners Insurance, Section II 155
Personal Liability Insurance 156
Section II Exclusions 157
Section II Additional Coverages 161
Endorsements to a Homeowners Policy 162
Shopping for a Homeowners Policy 165
Summary 171 ¦ Key Concepts and Terms 171 ¦ Review Questions 172
Application Questions 172 ¦ Selected References 173 ¦ Notes 173
Case Application 172
Insight 9.1: New Policies for Home Insurance 166
Insight 9.2: Survey Reveals Customer Satisfaction
with Home Insurers 170
Appendix How Can I Save Money on a Homeowners Policy? 174
chapter 10 Automobile Insurance 177
Overview of Personal Auto Policy 178
Part A: Liability Coverage 179
Part B: Medical Payments Coverage 184
Part C: Uninsured Motorists Coverage 185
Part D: Coverage for Damage to Your Auto 188
Part E: Duties After an Accident or Loss 194
Part F: General Provisions 194
Insuring Motorcycles and Other Vehicles 195
Summary 196 ¦ Key Concepts and Terms 196 ¦ Review Questions 197
Application Questions 197 ¦ Selected References 199 ¦ Notes 199
Case Application 198
Insight 10.1: Don t Let Road Rage Get You Killed 182
Insight 10.2: Using a Cell Phone While Driving—How Risky? 191
Insight 10.3: Don t Ignore Gap Insurance If You Lease a Car 193
Appendix Summary of 1998 Personal Auto Policy Coverages 200
chapter 11 Automobile Insurance and Society 203
Approaches for Compensating Automobile Accident Victims 204
Auto Insurance for High Risk Drivers 212
Cost of Auto Insurance 214
Shopping for Auto Insurance 219
Summary 223 • Key Concepts and Terms 224 ¦ Review Questions 224
Application Questions 224 ¦ Selected References 225 ¦ Notes 226
Case Application 225
Insight 11.1: What Your Auto Insurer Knows About You 218
Insight 11.2: Study Shows Americans Could
Save Hundreds on Auto Insurance 222
CONTENTS ix
chapter 12 Other Property and Liability Insurance Coverages 227
ISO Dwelling Program 228
Mobilehome Insurance 229
Inland Marine Floaters 230
Insurance on Pleasure Boats 231
Government Property Insurance Programs 232
Title Insurance 237
Personal Umbrella Policy 238
Summary 241 ¦ Key Concepts and Terms 241 ¦ Review Questions 242
Application Questions 242 ¦ Selected References 243 • Notes 243
Case Application 244
Insight 12.1: Myths and Facts About the
National Flood Insurance Program 234
Insight 12.2: The Perils an Umbrella Policy Can Protect Against 240
PART FOUR Commercial Property and Liability Risks 245
chapter 13 Commercial Property Insurance 246
Overview of Commercial Package Policy 247
Building and Personal Property Coverage Form 248
Causes of Loss Forms 252
Reporting Forms 254
Business Income Insurance 254
Other Commercial Coverages 257
Transportation Insurance 259
Businessowners Policy (BOP) 264
Summary 265 ¦ Key Concepts and Terms 267 ¦ Review Questions 267
Application Questions 267 ¦ Selected References 268 ¦ Notes 268
Case Application 268
Insight 13.1: Examples of Coverage Under the Building
and Personal Property Coverage Form 250
Insight 13.2: Advantages of the Special Causes of Loss Form 253
chapter 14 Commercial Liability Insurance 270
General Liability Loss Exposures 271
Commercial General Liability Policy 273
Employment Practices Liability Insurance 278
Workers Compensation and Employers Liability Insurance 280
Commercial Auto Insurance 281
Aviation Insurance 284
Bailee s Customer Insurance 285
Commercial Umbrella Policy 286
Liability Insurance, Businessowners Policy 287
Professional Liability Insurance 288
Summary 290 • Key Concepts and Terms 291 ¦ Review Questions 291
Application Questions 292 ¦ Selected References 293 ¦ Notes 293
x CONTENTS
Case Application 293
Insight 14.1: Compensability of Terrorism Injuries
Under State Workers Compensation Laws 282
Insight 14.2: Florida Doctor Operates on Wrong Side of Head 289
chapter 15 Crime Insurance and Surety Bonds 295
ISO Commercial Crime Insurance Program 296
Commercial Crime Coverage Form 297
Financial Institution Bonds 301
Surety Bonds 302
Summary 305 ¦ Key Concepts and Terms 306 ¦ Review Questions 306
Application Questions 306 ¦ Selected References 307 ¦ Notes 308
Case Application 307
Insight 15.1: Employee Theft a Common Problem 298
Insight 15.2: Construction Is Risky Business 303
PART FIVE Life and Health Risks 309
chapter 16 Fundamentals of Life Insurance 310
Premature Death 311
Financial Impact of Premature Death on Different Types of Families 312
Amount of Life Insurance to Own 314
Methods for Providing Life Insurance Protection 322
Summary 325 ¦ Key Concepts and Terms 326 ¦ Review Questions 326
Application Questions 326 ¦ Selected References 328 • Notes 328
Case Application 1 327
Case Application 2 327
Insight 16.1: Get Life Insurance—Before It s Too Late 312
Insight 16.2: Life Expectancy in U.S. Hits New High 313
Insight 16.3: Life Insurance: Three Families Needs 320
Insight 16.4: Life Insurance Study Reveals Crisis
of Underinsurance 323
chapter 17 Types of Life Insurance 329
Types of Life Insurance 330
Variations of Whole Life Insurance 336
Other Types of Life Insurance 344
Summary 347 • Key Concepts and Terms 348 ¦ Review Questions 348
Application Questions 348 ¦ Selected References 349 « Notes 350
Case Application 349
Insight 17.1: Term Life Insurance Looks Even Better
After September 11 334
Insight 17.2 : When Cash Value Life Insurance Makes Sense 336
CONTENTS xi
chapter 18 Life Insurance Contractual Provisions 351
Life Insurance Contractual Provisions 352
Dividend Options 358
Nonforfeiture Options 360
Settlement Options 361
Additional Life Insurance Benefits 365
Summary 369 ¦ Key Concepts and Terms 370 ¦ Review Questions 371
Application Questions 372 ¦ Selected References 373 ¦ Notes 373
Case Application 372
Insight 18.1: Is This Death a Suicide? 353
Insight 18.2: Selecting the Best Dividend Option 359
Insight 18.3: Playing the Death Pool 370
chapter 19 Buying Life Insurance 374
Determining the Cost of Life Insurance 375
Rate of Return on Saving Component 379
Taxation of Life Insurance 381
Shopping for Life Insurance 383
Summary 387 ¦ Key Concepts and Terms 388 ¦ Review Questions 388
Application Questions 388 ¦ Selected References 389 ¦ Notes 389
Case Application 388
Insight 19.1: Factors to Consider in Replacing a Life
Insurance Policy 379
Insight 19.2: Warning: Internet Shopping May Not Produce the
Best Prices—New CFA Study Rates 36 Percent of Term
Insurance Websites as Not Recommended 385
Appendix Is Your Life Insurance Reasonably Priced?
(How to Evaluate an Existing Life Insurance Policy) 390
chapter 20 Annuities and Individual Retirement Accounts 395
Individual Annuities 396
Types of Annuities 397
Taxation of Individual Annuities 402
Individual Retirement Accounts 404
Summary 409 ¦ Key Concepts and Terms 410 ¦ Review Questions 410
Application Questions 410 ¦ Selected References 411 ¦ Notes 412
Case Application 411
Insight 20.1: When Do Variable Annuities Make Sense? 403
chapter 21 Individual Health and Disability Income Insurance 413
Health Care Problems in the United States 414
Types of Individual Health Insurance Coverages 417
Hospital Surgical Insurance 419
Major Medical Insurance 420
Long Term Care Insurance 422
xii CONTENTS
Disability Income Insurance 423
Individual Medical Expense Contractual Provisions 428
Shopping for Health Insurance 430
Summary 433 ¦ Key Concepts and Terms 435 ¦ Review Questions 435
Application Questions 436 ¦ Selected References 437 ¦ Notes 437
Case Application 436
Insight 21.1: Why Are Healthcare Costs Going Up? 416
Insight 21.2: The Sobering Statistics
on Disability Income Insurance 432
Insight 21.3: The Last Resort: State High Risk Pools
for the uninsurable 433
chapter 22 Employee Benefits: Group Life and Health Insurance 438
Group Insurance 439
Group Life Insurance Plans 441
Group Medical Expense Insurance 444
Types of Group Medical Expense Plans 445
Managed Care Plans 447
Group Medical Expense Contractual Provisions 452
Group Dental Insurance 455
Group Disability Income Insurance 456
Cafeteria Plans 457
Summary 458 ¦ Key Concepts and Terms 459 ¦ Review Questions 460
Application Questions 460 ¦ Selected References 460 ¦ Notes 461
Case Application 461
Insight 22.1: Credit Insurance Overcharges
Hit $2.5 Billion Annually 443
Insight 22.2: Defined Contribution Health Plan That Puts
Employee in Charge of Spending Catches On 451
Insight 22.3: What Happens to My Health Insurance
If I Lose My Job? 455
chapter 23 Employee Benefits: Retirement Plans 462
Fundamentals of Private Retirement Plans 463
Types of Qualified Retirement Plans 470
Defined Contribution Plans 470
Defined Benefit Plans 470
Section 401 (k] Plans 472
Profit Sharing Plans 473
Retirement Plans for the Self Employed 474
Simplified Employee Pension (SEP) 476
SIMPLE Retirement Plans 476
Funding Agency and Funding Instruments 477
Summary 478 ¦ Key Concepts and Terms 479 • Review Questions 480
Application Questions 480 ¦ Selected References 481 ¦ Notes 481
Case Application 480
CONTENTS xiii
Insight 23.1: Ten Common Causes of Errors in Pension Calculation:
Consumer Tips for Safeguarding Your Pension 467
Insight 23.2: Ten Common 401 (k) Mistakes 474
chapter 24 Social Insurance 482
Social Insurance 483
Old Age, Survivors, and Disability Insurance (OASDI) 485
Types of Benefits 486
Problems and Issues 495
Unemployment Insurance 498
Workers Compensation 501
Summary 506 ¦ Key Concepts and Terms 507 « Review Questions 507
Application Questions 507 ¦ Selected References 507 ¦ Notes 508
Case Application 508
Insight 24.1: Get the Picture on Your Social Security Benefits 492
Insight 24.2: How to Save Social Security:
Check Out the Social Security Game 496
Insight 24.3: Social Insurance Programs
and the September 11 Attacks 504
PART SIX The Insurance Industry 511
chapter 25 Types of Insurers and Marketing Systems 512
Types of Private Insurers 513
Agents and Brokers 519
Types of Marketing Systems 519
Mass Merchandising 522
Summary 523 • Key Concepts and Terms 524 • Review Questions 524
Application Questions 524 ¦ Selected References 525 ¦ Notes 525
Case Application 525
Insight 25.1: Holding Company Schemes: The Feeling Isn t Mutual 517
Insight 25.2: Payroll Plan Lets Workers Save Money and Checks 523
chapter 26 Insurance Company Operations 526
Insurance Company Operations 527
Rate Making 527
Underwriting 528
Production 532
Claim Settlement 533
Reinsurance 535
Investments 541
Other Insurance Company Functions 542
Summary 542 • Key Concepts and Terms 543 • Review Questions 543
Application Questions 544 ¦ Selected References 544 ¦ Notes 544
Case Application 545
xiv CONTENTS
Insight 26.1: Frequently Asked Questions About
the Medical Information Bureau 531
Insight 26.2: The September 11 Terrorist Attack: Analysis
of the Impact on the Insurance Industry 538
Insight 26.3: Terrorist Attacks—New Federal
Reinsurance Pool Proposed 540
chapter 27 Insurance Pricing 546
Objectives of Rate Making 547
Basic Definitions in Rate Making 548
Rate Making in Property and Liability Insurance 548
Rate Making in Life Insurance 551
Reserves in Property and Liability Insurance 556
Life Insurance Policy Reserves 560
Summary 562 ¦ Key Concepts and Terms 563 ¦ Review Questions 563
Application Questions 563 ¦ Selected References 564 ¦ Notes 564
Case Application 564
Insight 27.1: Profitability of the Insurance Industry
and Other Industries 559
chapter 28 Government Regulation of Insurance 566
Reasons for Insurance Regulation 567
Historical Development of Insurance Regulation 568
Methods for Regulating Insurers 569
What Areas Are Regulated? 570
State Versus Federal Regulation 577
Current Issues in Insurance Regulation 579
Summary 588 ¦ Key Concepts and Terms 589 ¦ Review Questions 589
Application Questions 590 ¦ Selected References 590 ¦ Notes 591
Case Application 590
Insight 28.1: Auto Insurance Complaints in New York State 574
Insight 28.2: Insurance Department Report Card 586
Appendix A Homeowners 3 (Special Form) 593
Appendix B Personal Auto Policy 617
Appendix C Whole Life Policy 631
Appendix D Universal Life Policy 647
Glossary 657
Index 671
|
| adam_txt |
Contents
Preface xv
PART ONE Basic Concepts in Risk Management and Insurance 1
chapter 1 Risk in Our Society 2
Meaning of Risk 3
Chance of Loss 4
Peril and Hazard 5
Basic Categories of Risk 6
Types of Pure Risk 7
Burden of Risk on Society 11
Methods of Handling Risk 11
Summary 14 ¦ Key Concepts and Terms 15 ¦ Review Questions 15
Application Questions 15 ¦ Selected References 15 ¦ Notes 16
Case Application 16
Insight 1.1: Making Ends Meet Can Be Tough for Widows 8
Insight 1.2: Runaway Car Hits Toddler, Kills Her Father 10
chapter 2 Insurance and Risk 17
Definition of Insurance 18
Basic Characteristics of Insurance 18
Requirements of an Insurable Risk 20
Two Applications: The Risks of Fire and Unemployment 22
Adverse Selection and Insurance 22
Insurance and Gambling Compared 23
Insurance and Hedging Compared 24
Types of Insurance 24
Benefits of Insurance to Society 27
Costs of Insurance to Society 28
Summary 30 ¦ Key Concepts and Terms 31 ¦ Review Questions 31
Application Questions 31 ¦ Selected References 32 • Notes 32
Case Application 31
Insight 2.1: Insurance Fraud Comes In All Shapes and Sizes 29
Appendix Basic Statistics and the Law of Large Numbers 33
chapter 3 Introduction to Risk Management 37
Meaning of Risk Management 38
Objectives of Risk Management 38
Steps in the Risk Management Process 39
V
vi CONTENTS
Identifying Potential Losses 39
Evaluating Potential Losses 40
Selecting the Appropriate Techniques for Treating Loss Exposures 41
Implementing and Administering the Risk Management Program 48
Personal Risk Management 48
Summary 50 ¦ Key Concepts and Terms 51 ¦ Review Questions 51
Application Questions 52 ¦ Selected References 53 ¦ Notes 53
Case Application 1 52
Case Application 2 53
Insight 3.1: Why Do Employers Self Insure
Their Group Health Plans? 44
chapter 4 Advanced Topics in Risk Management 54
The Changing Scope of Risk Management 55
Insurance Market Dynamics 59
Loss Forecasting 62
Financial Analysis in Risk Management Decision Making 64
Use of Technology in Risk Management Programs 66
Summary 70 ¦ Key Concepts and Terms 70 ¦ Review Questions 70
Application Questions 71 ¦ Selected References 72 ¦ Notes 72
Case Application 1 71
Case Application 2 72
Insight 4.1: The Final Frontier of Risk 58
Insight 4.2: Enhanced Risk Mapping 68
Appendix Loss Forecasting Using the Normal Distribution 74
PART TWO Legal Principles in Risk and Insurance 77
chapter 5 Fundamental Legal Principles 78
Principle of Indemnity 79
Principle of Insurable Interest 81
Principle of Subrogation 83
Principle of Utmost Good Faith 85
Requirements of an Insurance Contract 86
Distinct Legal Characteristics of Insurance Contracts 88
Law and the Insurance Agent 89
Summary 91 ¦ Key Concepts and Terms 92 ¦ Review Questions 92
Application Questions 93 ¦ Selected References 94 ¦ Notes 94
Case Application 93
Insight 5.1: No Insurable Interest at the Time of Death:
Is a Corporation Entitled to the Life Insurance
Proceeds? 83
Insight 5.2: Misrepresentation in Application
for Auto Coverage 85
CONTENTS vii
chapter 6 Analysis of Insurance Contracts 96
Basic Parts of an Insurance Contract 97
Definition of the "Insured" TOO
Endorsements and Riders 100
Deductibles 101
Coinsurance 102
Coinsurance in Health Insurance 104
Other Insurance Provisions 104
Summary 106 ¦ Key Concepts and Terms 107 • Review Questions 107
Application Questions 107 ¦ Selected References 109 ¦ Notes 109
Case Application 108
Insight 6.1: Are Acts of Terrorism Excluded by the War Clause? 99
PART THREE Personal Property and Liability Risks 111
chapter 7 The Liability Risk 112
Basis of Legal Liability 113
Law of Negligence 113
Imputed Negligence 115
Res Ipsa Loquitur 116
Specific Applications of the Law of Negligence 116
Special Tort Liability Problems 119
Reforming the Civil Justice System 123
Summary 125 ¦ Key Concepts and Terms 126 ¦ Review Questions 126
Application Questions 126 ¦ Selected References 127 ¦ Notes 128
Case Application 127
Insight 7.1: Medical Errors Rank with Highway Accidents and Breast
Cancer as a Major Killer in the United States 120
Insight 7.2: Man Sues Father, but It's Nothing Personal 122
chapter 8 Homeowners Insurance, Section I 129
Homeowners 2000 Program 130
Analysis of Homeowners 3 Policy (Special Form) 134
Section I Coverages 134
Section I Perils Insured Against 140
Section I Exclusions 144
Section I Conditions 146
Section I and II Conditions 150
Summary 151 ¦ Key Concepts and Terms 151 ¦ Review Questions 152
Application Questions 152 ¦ Selected References 153 ¦ Notes 154
Case Application 153
Insight 8.1: Renters Insurance Is a Must
If You Rent an Apartment or House 131
Insight 8.2: Toxic Mold Claims: A Critical Problem
in Homeowners Insurance 142
viii CONTENTS
Insight 8.3: Actual Cash Value Coverage on Personal
Property Can Cost You a Bundle 147
chapter 9 Homeowners Insurance, Section II 155
Personal Liability Insurance 156
Section II Exclusions 157
Section II Additional Coverages 161
Endorsements to a Homeowners Policy 162
Shopping for a Homeowners Policy 165
Summary 171 ¦ Key Concepts and Terms 171 ¦ Review Questions 172
Application Questions 172 ¦ Selected References 173 ¦ Notes 173
Case Application 172
Insight 9.1: New Policies for Home Insurance 166
Insight 9.2: Survey Reveals Customer Satisfaction
with Home Insurers 170
Appendix How Can I Save Money on a Homeowners Policy? 174
chapter 10 Automobile Insurance 177
Overview of Personal Auto Policy 178
Part A: Liability Coverage 179
Part B: Medical Payments Coverage 184
Part C: Uninsured Motorists Coverage 185
Part D: Coverage for Damage to Your Auto 188
Part E: Duties After an Accident or Loss 194
Part F: General Provisions 194
Insuring Motorcycles and Other Vehicles 195
Summary 196 ¦ Key Concepts and Terms 196 ¦ Review Questions 197
Application Questions 197 ¦ Selected References 199 ¦ Notes 199
Case Application 198
Insight 10.1: Don't Let Road Rage Get You Killed 182
Insight 10.2: Using a Cell Phone While Driving—How Risky? 191
Insight 10.3: Don't Ignore Gap Insurance If You Lease a Car 193
Appendix Summary of 1998 Personal Auto Policy Coverages 200
chapter 11 Automobile Insurance and Society 203
Approaches for Compensating Automobile Accident Victims 204
Auto Insurance for High Risk Drivers 212
Cost of Auto Insurance 214
Shopping for Auto Insurance 219
Summary 223 • Key Concepts and Terms 224 ¦ Review Questions 224
Application Questions 224 ¦ Selected References 225 ¦ Notes 226
Case Application 225
Insight 11.1: What Your Auto Insurer Knows About You 218
Insight 11.2: Study Shows Americans Could
Save Hundreds on Auto Insurance 222
CONTENTS ix
chapter 12 Other Property and Liability Insurance Coverages 227
ISO Dwelling Program 228
Mobilehome Insurance 229
Inland Marine Floaters 230
Insurance on Pleasure Boats 231
Government Property Insurance Programs 232
Title Insurance 237
Personal Umbrella Policy 238
Summary 241 ¦ Key Concepts and Terms 241 ¦ Review Questions 242
Application Questions 242 ¦ Selected References 243 • Notes 243
Case Application 244
Insight 12.1: Myths and Facts About the
National Flood Insurance Program 234
Insight 12.2: The Perils an Umbrella Policy Can Protect Against 240
PART FOUR Commercial Property and Liability Risks 245
chapter 13 Commercial Property Insurance 246
Overview of Commercial Package Policy 247
Building and Personal Property Coverage Form 248
Causes of Loss Forms 252
Reporting Forms 254
Business Income Insurance 254
Other Commercial Coverages 257
Transportation Insurance 259
Businessowners Policy (BOP) 264
Summary 265 ¦ Key Concepts and Terms 267 ¦ Review Questions 267
Application Questions 267 ¦ Selected References 268 ¦ Notes 268
Case Application 268
Insight 13.1: Examples of Coverage Under the Building
and Personal Property Coverage Form 250
Insight 13.2: Advantages of the Special Causes of Loss Form 253
chapter 14 Commercial Liability Insurance 270
General Liability Loss Exposures 271
Commercial General Liability Policy 273
Employment Practices Liability Insurance 278
Workers Compensation and Employers Liability Insurance 280
Commercial Auto Insurance 281
Aviation Insurance 284
Bailee's Customer Insurance 285
Commercial Umbrella Policy 286
Liability Insurance, Businessowners Policy 287
Professional Liability Insurance 288
Summary 290 • Key Concepts and Terms 291 ¦ Review Questions 291
Application Questions 292 ¦ Selected References 293 ¦ Notes 293
x CONTENTS
Case Application 293
Insight 14.1: Compensability of Terrorism Injuries
Under State Workers Compensation Laws 282
Insight 14.2: Florida Doctor Operates on Wrong Side of Head 289
chapter 15 Crime Insurance and Surety Bonds 295
ISO Commercial Crime Insurance Program 296
Commercial Crime Coverage Form 297
Financial Institution Bonds 301
Surety Bonds 302
Summary 305 ¦ Key Concepts and Terms 306 ¦ Review Questions 306
Application Questions 306 ¦ Selected References 307 ¦ Notes 308
Case Application 307
Insight 15.1: Employee Theft a Common Problem 298
Insight 15.2: Construction Is Risky Business 303
PART FIVE Life and Health Risks 309
chapter 16 Fundamentals of Life Insurance 310
Premature Death 311
Financial Impact of Premature Death on Different Types of Families 312
Amount of Life Insurance to Own 314
Methods for Providing Life Insurance Protection 322
Summary 325 ¦ Key Concepts and Terms 326 ¦ Review Questions 326
Application Questions 326 ¦ Selected References 328 • Notes 328
Case Application 1 327
Case Application 2 327
Insight 16.1: Get Life Insurance—Before It's Too Late 312
Insight 16.2: Life Expectancy in U.S. Hits New High 313
Insight 16.3: Life Insurance: Three Families' Needs 320
Insight 16.4: Life Insurance Study Reveals Crisis
of Underinsurance 323
chapter 17 Types of Life Insurance 329
Types of Life Insurance 330
Variations of Whole Life Insurance 336
Other Types of Life Insurance 344
Summary 347 • Key Concepts and Terms 348 ¦ Review Questions 348
Application Questions 348 ¦ Selected References 349 « Notes 350
Case Application 349
Insight 17.1: Term Life Insurance Looks Even Better
After September 11 334
Insight 17.2 : When Cash Value Life Insurance Makes Sense 336
CONTENTS xi
chapter 18 Life Insurance Contractual Provisions 351
Life Insurance Contractual Provisions 352
Dividend Options 358
Nonforfeiture Options 360
Settlement Options 361
Additional Life Insurance Benefits 365
Summary 369 ¦ Key Concepts and Terms 370 ¦ Review Questions 371
Application Questions 372 ¦ Selected References 373 ¦ Notes 373
Case Application 372
Insight 18.1: Is This Death a Suicide? 353
Insight 18.2: Selecting the Best Dividend Option 359
Insight 18.3: Playing the Death Pool 370
chapter 19 Buying Life Insurance 374
Determining the Cost of Life Insurance 375
Rate of Return on Saving Component 379
Taxation of Life Insurance 381
Shopping for Life Insurance 383
Summary 387 ¦ Key Concepts and Terms 388 ¦ Review Questions 388
Application Questions 388 ¦ Selected References 389 ¦ Notes 389
Case Application 388
Insight 19.1: Factors to Consider in Replacing a Life
Insurance Policy 379
Insight 19.2: Warning: Internet Shopping May Not Produce the
Best Prices—New CFA Study Rates 36 Percent of Term
Insurance Websites as "Not Recommended" 385
Appendix Is Your Life Insurance Reasonably Priced?
(How to Evaluate an Existing Life Insurance Policy) 390
chapter 20 Annuities and Individual Retirement Accounts 395
Individual Annuities 396
Types of Annuities 397
Taxation of Individual Annuities 402
Individual Retirement Accounts 404
Summary 409 ¦ Key Concepts and Terms 410 ¦ Review Questions 410
Application Questions 410 ¦ Selected References 411 ¦ Notes 412
Case Application 411
Insight 20.1: When Do Variable Annuities Make Sense? 403
chapter 21 Individual Health and Disability Income Insurance 413
Health Care Problems in the United States 414
Types of Individual Health Insurance Coverages 417
Hospital Surgical Insurance 419
Major Medical Insurance 420
Long Term Care Insurance 422
xii CONTENTS
Disability Income Insurance 423
Individual Medical Expense Contractual Provisions 428
Shopping for Health Insurance 430
Summary 433 ¦ Key Concepts and Terms 435 ¦ Review Questions 435
Application Questions 436 ¦ Selected References 437 ¦ Notes 437
Case Application 436
Insight 21.1: Why Are Healthcare Costs Going Up? 416
Insight 21.2: The Sobering Statistics
on Disability Income Insurance 432
Insight 21.3: The Last Resort: State High Risk Pools
for the uninsurable 433
chapter 22 Employee Benefits: Group Life and Health Insurance 438
Group Insurance 439
Group Life Insurance Plans 441
Group Medical Expense Insurance 444
Types of Group Medical Expense Plans 445
Managed Care Plans 447
Group Medical Expense Contractual Provisions 452
Group Dental Insurance 455
Group Disability Income Insurance 456
Cafeteria Plans 457
Summary 458 ¦ Key Concepts and Terms 459 ¦ Review Questions 460
Application Questions 460 ¦ Selected References 460 ¦ Notes 461
Case Application 461
Insight 22.1: Credit Insurance Overcharges
Hit \$2.5 Billion Annually 443
Insight 22.2: Defined Contribution Health Plan That Puts
Employee in Charge of Spending Catches On 451
Insight 22.3: What Happens to My Health Insurance
If I Lose My Job? 455
chapter 23 Employee Benefits: Retirement Plans 462
Fundamentals of Private Retirement Plans 463
Types of Qualified Retirement Plans 470
Defined Contribution Plans 470
Defined Benefit Plans 470
Section 401 (k] Plans 472
Profit Sharing Plans 473
Retirement Plans for the Self Employed 474
Simplified Employee Pension (SEP) 476
SIMPLE Retirement Plans 476
Funding Agency and Funding Instruments 477
Summary 478 ¦ Key Concepts and Terms 479 • Review Questions 480
Application Questions 480 ¦ Selected References 481 ¦ Notes 481
Case Application 480
CONTENTS xiii
Insight 23.1: Ten Common Causes of Errors in Pension Calculation:
Consumer Tips for Safeguarding Your Pension 467
Insight 23.2: Ten Common 401 (k) Mistakes 474
chapter 24 Social Insurance 482
Social Insurance 483
Old Age, Survivors, and Disability Insurance (OASDI) 485
Types of Benefits 486
Problems and Issues 495
Unemployment Insurance 498
Workers Compensation 501
Summary 506 ¦ Key Concepts and Terms 507 « Review Questions 507
Application Questions 507 ¦ Selected References 507 ¦ Notes 508
Case Application 508
Insight 24.1: Get the Picture on Your Social Security Benefits 492
Insight 24.2: How to Save Social Security:
Check Out the Social Security Game 496
Insight 24.3: Social Insurance Programs
and the September 11 Attacks 504
PART SIX The Insurance Industry 511
chapter 25 Types of Insurers and Marketing Systems 512
Types of Private Insurers 513
Agents and Brokers 519
Types of Marketing Systems 519
Mass Merchandising 522
Summary 523 • Key Concepts and Terms 524 • Review Questions 524
Application Questions 524 ¦ Selected References 525 ¦ Notes 525
Case Application 525
Insight 25.1: Holding Company Schemes: The Feeling Isn't Mutual 517
Insight 25.2: Payroll Plan Lets Workers Save Money and Checks 523
chapter 26 Insurance Company Operations 526
Insurance Company Operations 527
Rate Making 527
Underwriting 528
Production 532
Claim Settlement 533
Reinsurance 535
Investments 541
Other Insurance Company Functions 542
Summary 542 • Key Concepts and Terms 543 • Review Questions 543
Application Questions 544 ¦ Selected References 544 ¦ Notes 544
Case Application 545
xiv CONTENTS
Insight 26.1: Frequently Asked Questions About
the Medical Information Bureau 531
Insight 26.2: The September 11 Terrorist Attack: Analysis
of the Impact on the Insurance Industry 538
Insight 26.3: Terrorist Attacks—New Federal
Reinsurance Pool Proposed 540
chapter 27 Insurance Pricing 546
Objectives of Rate Making 547
Basic Definitions in Rate Making 548
Rate Making in Property and Liability Insurance 548
Rate Making in Life Insurance 551
Reserves in Property and Liability Insurance 556
Life Insurance Policy Reserves 560
Summary 562 ¦ Key Concepts and Terms 563 ¦ Review Questions 563
Application Questions 563 ¦ Selected References 564 ¦ Notes 564
Case Application 564
Insight 27.1: Profitability of the Insurance Industry
and Other Industries 559
chapter 28 Government Regulation of Insurance 566
Reasons for Insurance Regulation 567
Historical Development of Insurance Regulation 568
Methods for Regulating Insurers 569
What Areas Are Regulated? 570
State Versus Federal Regulation 577
Current Issues in Insurance Regulation 579
Summary 588 ¦ Key Concepts and Terms 589 ¦ Review Questions 589
Application Questions 590 ¦ Selected References 590 ¦ Notes 591
Case Application 590
Insight 28.1: Auto Insurance Complaints in New York State 574
Insight 28.2: Insurance Department Report Card 586
Appendix A Homeowners 3 (Special Form) 593
Appendix B Personal Auto Policy 617
Appendix C Whole Life Policy 631
Appendix D Universal Life Policy 647
Glossary 657
Index 671 |
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| discipline | Wirtschaftswissenschaften |
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| title | Principles of risk management and insurance |
| title_auth | Principles of risk management and insurance |
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| title_short | Principles of risk management and insurance |
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| topic | Insurance Risk (Insurance) Risk management Risikomanagement (DE-588)4121590-4 gnd Versicherung (DE-588)4063173-4 gnd |
| topic_facet | Insurance Risk (Insurance) Risk management Risikomanagement Versicherung USA Einführung |
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