Fundamentals of Insurance Regulation :: the Rules and the Rationale.
Providing a clear explanation of the complex state-based regulatory system that governs the U.S. insurance industry, this guide presents the applicable statutes, regulations, and judicial decisions. In addition, it discusses the industry's products, operating procedures, distribution channels,...
Gespeichert in:
| 1. Verfasser: | |
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| Format: | Elektronisch E-Book |
| Sprache: | English |
| Veröffentlicht: |
Lanham :
American Bar Association,
2018.
|
| Schlagworte: | |
| Online-Zugang: | DE-862 DE-863 |
| Zusammenfassung: | Providing a clear explanation of the complex state-based regulatory system that governs the U.S. insurance industry, this guide presents the applicable statutes, regulations, and judicial decisions. In addition, it discusses the industry's products, operating procedures, distribution channels, and financial characteristics and performance. To round out the picture, it describes the core objectives of the regulatory process, how and by whom policy is formulated, and how the rules are enforced. Topics include: limits of state authority and the impact on competition; rate setting; solvency regula. |
| Beschreibung: | D. Contra Proferentem and the Role of the Courts in Protecting the Insurance Consumer. |
| Beschreibung: | 1 online resource (763 pages) |
| ISBN: | 1634256891 9781634256896 |
Internformat
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| 245 | 1 | 0 | |a Fundamentals of Insurance Regulation : |b the Rules and the Rationale. |
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| 505 | 0 | |a Cover; Title; Copyright; Contents; About the Authors; Preface; 1. The Insurance Industry; A. The Industry and Its Products; B. Insurance in the Context of Financial Services; 2. An Overview of the U.S. Insurance Regulatory System; A. Some History; B. How the U.S. System Got to Be the Way It Is; C. The Objectives of Insurance Regulation; D. What Activities or Products Should Be Subject to Insurance Regulation?; E. The Formulation of Insurance Regulatory Policy; F. State Insurance Rules; G. Federal Insurance Rules. | |
| 505 | 8 | |a 3. The Organization and Licensing of Insurers-The Limits of State Authority and the Impact on CompetitionA. The Organization of Insurance Companies; B. Licensing; 1. Overview; 2. Unauthorized Insurance and Non-Admitted Insurance; 3. Internet Insurance Sales; 4. Discriminatory and Retaliatory Laws; 5. Due Process Restrictions on State Jurisdiction over Insurance Transactions; 6. The Impact of Licensing Laws on Competition from Outside the Insurance Industry; 4. Rate Setting and Regulation; A. The Mechanics of Insurer Rate Setting and the Structure of Rate Regulation. | |
| 505 | 8 | |a B. Inadequate, Excessive, and State Determined RatesC. Actuarially Discriminatory Rates; D. Remedies for Improperly Charged Rates; E. Risk Classification and Public Policy; F. Form Regulation; 5. Solvency Regulation; A. The Goal of Solvency Regulation and This Chapter's Approach to Describing It; B. The Saga of Executive Life-A Cautionary Tale for Insurance Regulators; C. An Overview of Solvency Regulation in the United States; D. Capital Requirements; E. Asset Regulations; F. Producing and Providing Accurate Financial Data; the Role of Regulatory Examinations. | |
| 505 | 8 | |a G. The European Approach to Solvency Regulation, Its Influence on the U.S. System and the Emergence of Global Insurance Regulation6. The Conservation, Rehabilitation, and Liquidation of Insurance Companies; A. Why Insurers Fail and How Failures Are Handled; B. The Guaranty Association Structure and Operation; C. The Statutory Scheme for Handling Insurance Company Conservations, Rehabilitations, and Liquidations; D. The Bases for State Intervention; E. The Rehabilitation Process; F. Liquidation of Insurance Companies; 7. The Secondary and Alternative Markets; A. Introduction; B. Reinsurance. | |
| 505 | 8 | |a C. Surplus LinesD. Residual Market Mechanisms and Other Restraints on the Operation of the Voluntary Market; E. The Commercial Lines Alternative Markets; F. Microinsurance; 8. Insurance Intermediaries; A. Types of Intermediaries and Their Functions; B. Regulation of Intermediaries; C. The Duties of Intermediaries to Insureds and Insurers; D. The Responsibility of Insurers for the Acts of Agents; 9. Insurance Consumer Protection-Laws, Lawsuits, and Prevention; A. Overview; B. Consumer Protection Laws; C. Private Enforcement of Consumer Rights. | |
| 500 | |a D. Contra Proferentem and the Role of the Courts in Protecting the Insurance Consumer. | ||
| 520 | |a Providing a clear explanation of the complex state-based regulatory system that governs the U.S. insurance industry, this guide presents the applicable statutes, regulations, and judicial decisions. In addition, it discusses the industry's products, operating procedures, distribution channels, and financial characteristics and performance. To round out the picture, it describes the core objectives of the regulatory process, how and by whom policy is formulated, and how the rules are enforced. Topics include: limits of state authority and the impact on competition; rate setting; solvency regula. | ||
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| 700 | 1 | |a Ditomassi, Elisabeth. | |
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| contents | Cover; Title; Copyright; Contents; About the Authors; Preface; 1. The Insurance Industry; A. The Industry and Its Products; B. Insurance in the Context of Financial Services; 2. An Overview of the U.S. Insurance Regulatory System; A. Some History; B. How the U.S. System Got to Be the Way It Is; C. The Objectives of Insurance Regulation; D. What Activities or Products Should Be Subject to Insurance Regulation?; E. The Formulation of Insurance Regulatory Policy; F. State Insurance Rules; G. Federal Insurance Rules. 3. The Organization and Licensing of Insurers-The Limits of State Authority and the Impact on CompetitionA. The Organization of Insurance Companies; B. Licensing; 1. Overview; 2. Unauthorized Insurance and Non-Admitted Insurance; 3. Internet Insurance Sales; 4. Discriminatory and Retaliatory Laws; 5. Due Process Restrictions on State Jurisdiction over Insurance Transactions; 6. The Impact of Licensing Laws on Competition from Outside the Insurance Industry; 4. Rate Setting and Regulation; A. The Mechanics of Insurer Rate Setting and the Structure of Rate Regulation. B. Inadequate, Excessive, and State Determined RatesC. Actuarially Discriminatory Rates; D. Remedies for Improperly Charged Rates; E. Risk Classification and Public Policy; F. Form Regulation; 5. Solvency Regulation; A. The Goal of Solvency Regulation and This Chapter's Approach to Describing It; B. The Saga of Executive Life-A Cautionary Tale for Insurance Regulators; C. An Overview of Solvency Regulation in the United States; D. Capital Requirements; E. Asset Regulations; F. Producing and Providing Accurate Financial Data; the Role of Regulatory Examinations. G. The European Approach to Solvency Regulation, Its Influence on the U.S. System and the Emergence of Global Insurance Regulation6. The Conservation, Rehabilitation, and Liquidation of Insurance Companies; A. Why Insurers Fail and How Failures Are Handled; B. The Guaranty Association Structure and Operation; C. The Statutory Scheme for Handling Insurance Company Conservations, Rehabilitations, and Liquidations; D. The Bases for State Intervention; E. The Rehabilitation Process; F. Liquidation of Insurance Companies; 7. The Secondary and Alternative Markets; A. Introduction; B. Reinsurance. C. Surplus LinesD. Residual Market Mechanisms and Other Restraints on the Operation of the Voluntary Market; E. The Commercial Lines Alternative Markets; F. Microinsurance; 8. Insurance Intermediaries; A. Types of Intermediaries and Their Functions; B. Regulation of Intermediaries; C. The Duties of Intermediaries to Insureds and Insurers; D. The Responsibility of Insurers for the Acts of Agents; 9. Insurance Consumer Protection-Laws, Lawsuits, and Prevention; A. Overview; B. Consumer Protection Laws; C. Private Enforcement of Consumer Rights. |
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| spelling | Guenter, Raymond A. Fundamentals of Insurance Regulation : the Rules and the Rationale. Lanham : American Bar Association, 2018. 1 online resource (763 pages) text txt rdacontent computer c rdamedia online resource cr rdacarrier Print version record. Cover; Title; Copyright; Contents; About the Authors; Preface; 1. The Insurance Industry; A. The Industry and Its Products; B. Insurance in the Context of Financial Services; 2. An Overview of the U.S. Insurance Regulatory System; A. Some History; B. How the U.S. System Got to Be the Way It Is; C. The Objectives of Insurance Regulation; D. What Activities or Products Should Be Subject to Insurance Regulation?; E. The Formulation of Insurance Regulatory Policy; F. State Insurance Rules; G. Federal Insurance Rules. 3. The Organization and Licensing of Insurers-The Limits of State Authority and the Impact on CompetitionA. The Organization of Insurance Companies; B. Licensing; 1. Overview; 2. Unauthorized Insurance and Non-Admitted Insurance; 3. Internet Insurance Sales; 4. Discriminatory and Retaliatory Laws; 5. Due Process Restrictions on State Jurisdiction over Insurance Transactions; 6. The Impact of Licensing Laws on Competition from Outside the Insurance Industry; 4. Rate Setting and Regulation; A. The Mechanics of Insurer Rate Setting and the Structure of Rate Regulation. B. Inadequate, Excessive, and State Determined RatesC. Actuarially Discriminatory Rates; D. Remedies for Improperly Charged Rates; E. Risk Classification and Public Policy; F. Form Regulation; 5. Solvency Regulation; A. The Goal of Solvency Regulation and This Chapter's Approach to Describing It; B. The Saga of Executive Life-A Cautionary Tale for Insurance Regulators; C. An Overview of Solvency Regulation in the United States; D. Capital Requirements; E. Asset Regulations; F. Producing and Providing Accurate Financial Data; the Role of Regulatory Examinations. G. The European Approach to Solvency Regulation, Its Influence on the U.S. System and the Emergence of Global Insurance Regulation6. The Conservation, Rehabilitation, and Liquidation of Insurance Companies; A. Why Insurers Fail and How Failures Are Handled; B. The Guaranty Association Structure and Operation; C. The Statutory Scheme for Handling Insurance Company Conservations, Rehabilitations, and Liquidations; D. The Bases for State Intervention; E. The Rehabilitation Process; F. Liquidation of Insurance Companies; 7. The Secondary and Alternative Markets; A. Introduction; B. Reinsurance. C. Surplus LinesD. Residual Market Mechanisms and Other Restraints on the Operation of the Voluntary Market; E. The Commercial Lines Alternative Markets; F. Microinsurance; 8. Insurance Intermediaries; A. Types of Intermediaries and Their Functions; B. Regulation of Intermediaries; C. The Duties of Intermediaries to Insureds and Insurers; D. The Responsibility of Insurers for the Acts of Agents; 9. Insurance Consumer Protection-Laws, Lawsuits, and Prevention; A. Overview; B. Consumer Protection Laws; C. Private Enforcement of Consumer Rights. D. Contra Proferentem and the Role of the Courts in Protecting the Insurance Consumer. Providing a clear explanation of the complex state-based regulatory system that governs the U.S. insurance industry, this guide presents the applicable statutes, regulations, and judicial decisions. In addition, it discusses the industry's products, operating procedures, distribution channels, and financial characteristics and performance. To round out the picture, it describes the core objectives of the regulatory process, how and by whom policy is formulated, and how the rules are enforced. Topics include: limits of state authority and the impact on competition; rate setting; solvency regula. Insurance State supervision United States. http://id.loc.gov/authorities/subjects/sh96011691 LAW Administrative Law & Regulatory Practice. bisacsh Insurance State supervision fast United States fast https://id.oclc.org/worldcat/entity/E39PBJtxgQXMWqmjMjjwXRHgrq Ditomassi, Elisabeth. Print version: Guenter, Raymond A. Fundamentals of Insurance Regulation : The Rules and the Rationale. Lanham : American Bar Association, ©2018 9781634256889 |
| spellingShingle | Guenter, Raymond A. Fundamentals of Insurance Regulation : the Rules and the Rationale. Cover; Title; Copyright; Contents; About the Authors; Preface; 1. The Insurance Industry; A. The Industry and Its Products; B. Insurance in the Context of Financial Services; 2. An Overview of the U.S. Insurance Regulatory System; A. Some History; B. How the U.S. System Got to Be the Way It Is; C. The Objectives of Insurance Regulation; D. What Activities or Products Should Be Subject to Insurance Regulation?; E. The Formulation of Insurance Regulatory Policy; F. State Insurance Rules; G. Federal Insurance Rules. 3. The Organization and Licensing of Insurers-The Limits of State Authority and the Impact on CompetitionA. The Organization of Insurance Companies; B. Licensing; 1. Overview; 2. Unauthorized Insurance and Non-Admitted Insurance; 3. Internet Insurance Sales; 4. Discriminatory and Retaliatory Laws; 5. Due Process Restrictions on State Jurisdiction over Insurance Transactions; 6. The Impact of Licensing Laws on Competition from Outside the Insurance Industry; 4. Rate Setting and Regulation; A. The Mechanics of Insurer Rate Setting and the Structure of Rate Regulation. B. Inadequate, Excessive, and State Determined RatesC. Actuarially Discriminatory Rates; D. Remedies for Improperly Charged Rates; E. Risk Classification and Public Policy; F. Form Regulation; 5. Solvency Regulation; A. The Goal of Solvency Regulation and This Chapter's Approach to Describing It; B. The Saga of Executive Life-A Cautionary Tale for Insurance Regulators; C. An Overview of Solvency Regulation in the United States; D. Capital Requirements; E. Asset Regulations; F. Producing and Providing Accurate Financial Data; the Role of Regulatory Examinations. G. The European Approach to Solvency Regulation, Its Influence on the U.S. System and the Emergence of Global Insurance Regulation6. The Conservation, Rehabilitation, and Liquidation of Insurance Companies; A. Why Insurers Fail and How Failures Are Handled; B. The Guaranty Association Structure and Operation; C. The Statutory Scheme for Handling Insurance Company Conservations, Rehabilitations, and Liquidations; D. The Bases for State Intervention; E. The Rehabilitation Process; F. Liquidation of Insurance Companies; 7. The Secondary and Alternative Markets; A. Introduction; B. Reinsurance. C. Surplus LinesD. Residual Market Mechanisms and Other Restraints on the Operation of the Voluntary Market; E. The Commercial Lines Alternative Markets; F. Microinsurance; 8. Insurance Intermediaries; A. Types of Intermediaries and Their Functions; B. Regulation of Intermediaries; C. The Duties of Intermediaries to Insureds and Insurers; D. The Responsibility of Insurers for the Acts of Agents; 9. Insurance Consumer Protection-Laws, Lawsuits, and Prevention; A. Overview; B. Consumer Protection Laws; C. Private Enforcement of Consumer Rights. Insurance State supervision United States. http://id.loc.gov/authorities/subjects/sh96011691 LAW Administrative Law & Regulatory Practice. bisacsh Insurance State supervision fast |
| subject_GND | http://id.loc.gov/authorities/subjects/sh96011691 |
| title | Fundamentals of Insurance Regulation : the Rules and the Rationale. |
| title_auth | Fundamentals of Insurance Regulation : the Rules and the Rationale. |
| title_exact_search | Fundamentals of Insurance Regulation : the Rules and the Rationale. |
| title_full | Fundamentals of Insurance Regulation : the Rules and the Rationale. |
| title_fullStr | Fundamentals of Insurance Regulation : the Rules and the Rationale. |
| title_full_unstemmed | Fundamentals of Insurance Regulation : the Rules and the Rationale. |
| title_short | Fundamentals of Insurance Regulation : |
| title_sort | fundamentals of insurance regulation the rules and the rationale |
| title_sub | the Rules and the Rationale. |
| topic | Insurance State supervision United States. http://id.loc.gov/authorities/subjects/sh96011691 LAW Administrative Law & Regulatory Practice. bisacsh Insurance State supervision fast |
| topic_facet | Insurance State supervision United States. LAW Administrative Law & Regulatory Practice. Insurance State supervision United States |
| work_keys_str_mv | AT guenterraymonda fundamentalsofinsuranceregulationtherulesandtherationale AT ditomassielisabeth fundamentalsofinsuranceregulationtherulesandtherationale |