Efnisyfirlit

• Half Title
• The Pearson Series in Finance
• Title Page
• Copyright
• Contents
• Preface
• About the Authors
• Chapter 1: Risk and Its Treatment
  • Definitions of Risk
  • Chance of Loss
  • Peril and Hazard
  • Classification of Risk
  • Major Personal Risks and Commercial Risks
  • Burden of Risk on Society
  • Techniques for Managing Risk
  • Summary
  • Key Concepts and Terms
  • Review Questions
  • Application Questions
  • Internet Resources
  • Selected References
  • Notes
  • Case Application
  • Insight 1.1: What Are Your Chances of Not Being Able to Earn an Income? Calculate Your Personal Disa
  • Insight 1.2: Careers in Risk Management and Insurance
• Chapter 2: Insurance and Risk
  • Definition of Insurance
  • Basic Characteristics of Insurance
  • Law of Large Numbers
  • Characteristics of an Ideally Insurable Risk
  • Two Applications: The Risks of Fire and Unemployment
  • Adverse Selection and Insurance
  • Insurance and Gambling Compared
  • Insurance and Hedging Compared
  • Types of Insurance
  • Benefits of Insurance to Society
  • Costs of Insurance to Society
  • Summary
  • Key Concepts and Terms
  • Review Questions
  • Application Questions
  • Internet Resources
  • Selected References
  • Notes
  • Case Application
  • Insight 2.1: Insurance frauds: Myths versus reality
  • Insight 2.2: Examples of Insurance Fraud—Hall of Shame
  • Appendix: Basic Statistics and the Law of Large Numbers
  • Probability and Statistics
  • Law of Large Numbers
  • Notes
• Chapter 3: Introduction to Risk Management
  • Meaning of Risk Management
  • Objectives of Risk Management
  • Steps in the Risk Management Process
  • Benefits of Risk Management
  • Personal Risk Management
  • Summary
  • Key Concepts and Terms
  • Review Questions
  • Application Questions
  • Internet Resources
  • Selected References
  • Notes
  • Case Application
  • Insight 3.1: Bermuda Leads Global Captive Domiciles
  • Insight 3.2: When You Should Self-Insure?
• Chapter 4: Enterprise Risk Management
  • Enterprise Risk Management
  • Benefits of Enterprise Risk Management Programs
  • Insurance Market Dynamics
  • Loss Forecasting
  • Financial Analysis in Risk Management Decision Making
  • Other Risk Management Tools
  • Summary
  • Key Concepts and Terms
  • Review Questions
  • Application Questions
  • Internet Resources
  • Selected References
  • Notes
  • Case Application
  • Insight 4.1: Weather Futures and Options: Financial Tools That Provide a Means of Transferring Risk
• Chapter 5: Types of Insurers and Marketing Systems
  • Overview of Private Insurance in the Financial Services Industry
  • Types of Private Insurers
  • Agents and Brokers
  • Types of Marketing Systems
  • Summary
  • Key Concepts and Terms
  • Review Questions
  • Application Questions
  • Internet Resources
  • Selected References
  • Notes
  • Case Application
  • Insight 5.1: Show Me the Money—How Much Can I Earn as an Insurance Sales Agent?
• Chapter 6: Insurance Company Operations
  • Insurance Company Operations
  • Rating and Rate Making
  • Underwriting
  • Production
  • Claims Settlement
  • Reinsurance
  • Investments
  • Other Insurance Company Functions
  • Summary
  • Key Concepts and Terms
  • Review Questions
  • Application Questions
  • Internet Resources
  • Selected References
  • Notes
  • Case Application
  • Insight 6.1: Home Owner's Failure to Cooperate Yields Denied Claim
  • Insight 6.2: Insurance 4.0—Digitalization of Insurance Operations
• Chapter 7: Financial Operations of Insurers
  • Property and Casualty Insurers
  • Life Insurance Companies
  • Rate Making In Property and Casualty Insurance
  • Rate Making in Life Insurance
  • Summary
  • Key Concepts and Terms
  • Review Questions
  • Application Questions
  • Internet Resources
  • Selected References
  • Notes
  • Case Application
  • Insight 7.1: How Profitable Is the Property and Casualty Insurance Industry?
• Chapter 8: Government Regulation of Insurance
  • Reasons for Insurance Regulation
  • Historical Development of Insurance Regulation
  • Methods For Regulating Insurers
  • What Areas are Regulated?
  • State Versus Federal Regulation
  • Current Issues in Insurance Regulation
  • Insolvency of Insurers
  • Market Conduct Regulation
  • Summary
  • Key Concepts and Terms
  • Review Questions
  • Application Questions
  • Internet Resources
  • Selected References
  • Notes
  • Case Application
  • Insight 8.1: The Pros and Cons of Credit-Based Insurance Scores
• Chapter 9: Fundamental Legal Principles
  • Principle of Indemnity
  • Principle of Insurable Interest
  • Principle of Subrogation
  • Principle of Utmost Good Faith
  • Requirements of an Insurance Contract
  • Distinct Legal Characteristics of Insurance Contracts
  • Law and the Insurance Agent
  • Summary
  • Key Concepts and Terms
  • Review Questions
  • Application Questions
  • Internet Resources
  • Selected References
  • Notes
  • Case Application
  • Insight 9.1: Corporation Lacking Insurable Interest at Time of Death Can Receive Life Insurance Proc
  • Insight 9.2: Auto Insurer Denies Coverage Because of Material Misrepresentation
  • Insight 9.3: Insurer Voids Coverage Because of Misrepresentations in Proof of Loss
• Chapter 10: Analysis of Insurance Contracts
  • Basic Parts of an Insurance Contract
  • Definition of "Insured"
  • Endorsements and Riders
  • Deductibles
  • Coinsurance
  • Coinsurance in Health Insurance
  • Other-Insurance Provisions
  • Summary
  • Key Concepts and Terms
  • Review Questions
  • Application Questions
  • Internet Resources
  • Selected References
  • Note
  • Case Application
  • Insight 10.1: Will Your Auto Insurance Cover You When You Drive Another Person's Car?
• Chapter 11: Life Insurance
  • Premature Death
  • Financial Impact of Premature Death on Different Types of Families
  • Amount of Life Insurance to Own
  • Types of Life Insurance
  • Variations of Whole Life Insurance
  • Other Types of Life Insurance
  • Summary
  • Key Concepts and Terms
  • Review Questions
  • Application Questions
  • Internet Resources
  • Selected References
  • Notes
  • Case Application
  • Insight 11.1: Cash-Value Life Insurance as an Investment—Don't Ignore Two Points
  • Insight 11.2: Be a Savvy Consumer—Four Life Insurance Policies to Avoid
• Chapter 12: Life Insurance Contractual Provisions
  • Life Insurance Contractual Provisions
  • Dividend Options
  • Nonforfeiture Options
  • Settlement Options
  • Additional Life Insurance Benefits
  • Summary
  • Key Concepts and Terms
  • Review Questions
  • Application Questions
  • Internet Resources
  • Selected References
  • Notes
  • Case Application
  • Insight 12.1: Is This Death a Suicide?
  • Insight 12.2: Selection of the Best Dividend Option in a Participating Whole Life Policy
  • Insight 12.3: Accelerated Death Benefits: A Real-Life Example
  • Insight 12.4: What Is a Life Settlement? Examples of Actual Cases
• Chapter 13: Buying Life Insurance
  • Determining the Cost of Life Insurance
  • Rate of Return on Saving Component
  • Taxation of Life Insurance
  • Shopping for Life Insurance
  • Summary
  • Key Concepts and Terms
  • Review Questions
  • Application Questions
  • Internet Resources
  • Selected References
  • Notes
  • Case Application
  • Insight 13.1: Be Careful in Replacing an Existing Life Insurance Policy
  • Appendix: Calculation of Life Insurance Premiums
  • Net Single Premium
  • Net Annual Level Premium
  • Gross Premium
  • Policy Reserves
  • Case Application
  • Key Concepts and Terms
  • Notes
• Chapter 14: Annuities and Individual Retirement Accounts
  • Individual Annuities
  • Types of Annuities
  • Taxation of Individual Annuities
  • Individual Retirement Accounts
  • Summary
  • Key Concepts and Terms
  • Review Questions
  • Application Questions
  • Internet Resources
  • Selected References
  • Notes
  • Case Application 1
  • Case Application 2
  • Insight 14.1: Advantages of an Immediate Annuity to Retired Workers
  • Insight 14.2: Optional Variable Annuity Benefits To Meet Specific Needs
  • Insight 14.3: Ten Questions to Answer Before You Buy a Variable Annuity
• Chapter 15: Individual Health Insurance Coverages
  • Defects in the Healthcare System in the United States
  • Basic Provisions of the Affordable Care Act
  • Individual Medical Expense Insurance
  • Managed Care Plans
  • Health Savings Accounts
  • Long-Term Care Insurance
  • Disability-Income Insurance
  • Individual Health Insurance Contractual Provisions
  • Summary
  • Key Concepts and Terms
  • Review Questions
  • Application Questions
  • Internet Resources
  • Selected References
  • Notes
  • Case Application
  • Insight 15.1: Health Insurance Options for College Students under the Affordable Care Act
• Chapter 16: Employee Benefits: Group Life and Health Insurance
  • Meaning of Employee Benefits
  • Fundamentals of Group Insurance
  • Group Life Insurance
  • Group Medical Expense Insurance
  • Managed Care Plans
  • Affordable Care Act and Group Medical Expense Insurance
  • Key Features of Group Medical Expense Insurance
  • High-Deductible Health Plan With Savings Option
  • Recent Developments in Employer-Sponsored Health Plans
  • Group Medical Expense Contractual Provisions
  • Group Dental Insurance
  • Group Disability-Income Insurance
  • Cafeteria Plans
  • Summary
  • Key Concepts and Terms
  • Review Questions
  • Application Questions
  • Internet Resources
  • Selected References
  • Notes
  • Case Application
  • Insight 16.1: History of Health Maintenance Organization
  • Insight 16.2: Basic Characteristics of the Small Business Health Options Program (SHOP)
• Chapter 17: Employee Benefits: Retirement Plans
  • Fundamentals of Private Retirement Plans
  • Types of Qualified Retirement Plans
  • Defined-Benefit Plans
  • Defined-Contribution Plans
  • Section 401(K) Plan
  • Section 403(B) Plan
  • Simplified Employee Pension (SEP)
  • Simple Ira Plan
  • Profit-Sharing Plans
  • Saver's Credit
  • Retirement Plan Security
  • Funding Agency and Funding Instruments
  • Problems and Issues In Qualified Retirement Plans
  • Summary
  • Key Concepts and Terms
  • Review Questions
  • Application Questions
  • Internet Resources
  • Selected References
  • Notes
  • Case Application
  • Insight 17.1: Six Common 401(k) Mistakes
• Chapter 18: Social Insurance
  • Social Insurance Programs
  • Old-Age, Survivors, and Disability Insurance (OASDI)
  • Types of Benefits
  • Medicare
  • Problems and Issues
  • Unemployment Insurance
  • Workers' Compensation
  • Summary
  • Key Concepts and Terms
  • Review Questions
  • Application Questions
  • Internet Resources
  • Selected References
  • Notes
  • Case Application
  • Insight 18.1: Postponing Social Security Benefits—Key Factors to Consider
  • Insight 18.2: Try Your Hand at Social Security Reform
• Chapter 19: The Liability Risk
  • Basis of Legal Liability
  • The Law of Negligence
  • Imputed Negligence
  • Res Ipsa Loquitur
  • Specific Applications of the Law of Negligence
  • Current Tort Liability Problems
  • Summary
  • Key Concepts and Terms
  • Review Questions
  • Application Questions
  • Internet Resources
  • Selected References
  • Notes
  • Case Application
  • Insight 19.1: Judicial Hellholes 2017–2018
• Chapter 20: Auto Insurance
  • Overview of Personal Auto Policy
  • Part A: Liability Coverage
  • Part B: Medical Payments Coverage
  • Part C: Uninsured Motorists Coverage
  • Part D: Coverage For Damage to Your Auto
  • Part E: Duties After an Accident or Loss
  • Part F: General Provisions
  • Insuring Motorcycles and Other Vehicles
  • Summary
  • Key Concepts and Terms
  • Review Questions
  • Application Questions
  • Internet Resources
  • Selected References
  • Notes
  • Case Application
  • Insight 20.1: Private Passenger Auto Insurance Remains Unprofitable for Many Insurers
  • Insight 20.2: In 5 States, 20% or More of Drivers Have No Insurance; Countrywide Average Increases
  • Insight 20.3: The Four Types of Rental Car Insurance, Explained
• Chapter 21: Auto Insurance (Continued)
  • Approaches for Compensating Auto Accident Victims
  • Auto Insurance for High-Risk Drivers
  • Cost of Auto Insurance
  • Shopping for Auto Insurance
  • Auto Insurance Emerging Issues
  • Summary
  • Key Concepts and Terms
  • Review Questions
  • Application Questions
  • Internet Resources
  • Selected References
  • Notes
  • Case Application
  • Insight 21.1: Filing an Auto Claim with the Other Party's Insurance Company
  • Insight 21.2: Protect Yourself: Insuring Your Teen Driver
  • Insight 21.3: Distracted Driving
• Chapter 22: Homeowners Insurance, Section I
  • Overview of Homeowners Insurance
  • The Homeowners 3 Policy: Persons Insured
  • The Homeowner 3 Policy: Section I Coverages
  • The Homeowners 3 Policy: Section I Perils Insured Against
  • The Homeowners 3 Policy: Section I Exclusions
  • The Homeowners 3 Policy: Section I Conditions
  • The Homeowners 3 Policy: Section I and II Conditions
  • Summary
  • Key Concepts and Terms
  • Review Questions
  • Application Questions
  • Internet Resources
  • Selected References
  • Notes
  • Case Application
  • Insight 22.1: Your Renters Insurance Guide: What to Look for When Shopping for Renters Insurance
  • Insight 22.2: How to Create a Home Inventory
  • Insight 22.3: The Big Gap between Replacement Cost and Actual Cash Value Can Empty Your Wallet
• Chapter 23: Homeowners Insurance, Section II
  • Personal Liability Insurance and Medical Payments to Others Coverage
  • Section II Exclusions
  • Section II Additional Coverages
  • Section II Conditions
  • Endorsements to a Homeowners Policy
  • Cost of Homeowners Insurance
  • Suggestions for Buying a Homeowners Policy
  • Summary
  • Key Concepts and Terms
  • Review Questions
  • Application Questions
  • Internet Resources
  • Selected References
  • Notes
  • Case Application
  • Insight 23.1: Dog Bites Hurt, So Do Lawsuits
  • Insight 23.2: Five Insurance Mistakes to Avoid . . . (and Still Save Money)
• Chapter 24: Other Property and Liability Insurance Coverages
  • ISO Dwelling Program
  • Mobile Home Insurance
  • Inland Marine Floaters
  • Watercraft Insurance
  • Government Property Insurance Programs
  • Title Insurance
  • Personal Umbrella Policy
  • Summary
  • Key Concepts and Terms
  • Review Questions
  • Application Questions
  • Internet Resources
  • Selected References
  • Notes
  • Case Application
  • Insight 24.1: Dispelling Myths about Flood Insurance
  • Insight 24.2: The Vitals on Title Insurance
  • Insight 24.3: 10 Real Examples of Umbrella Insurance Claims
• Chapter 25: Commercial Property Insurance
  • Commercial Package Policy
  • Building and Personal Property Coverage Form
  • Reporting Forms
  • Business Income Insurance
  • Other Commercial Property Coverages
  • Transportation Insurance
  • Businessowners Policy (BOP)
  • Summary
  • Key Concepts and Terms
  • Review Questions
  • Application Questions
  • Internet Resources
  • Selected References
  • Notes
  • Case Application
  • Insight 25.1: Examples of Equipment Breakdown Claims: Recent Paid Claims
• Chapter 26: Commercial Liability Insurance
  • General Liability Loss Exposures
  • Commercial General Liability Policy
  • Employment Practices Liability Insurance
  • Workers Compensation Insurance
  • Commercial Auto Insurance
  • Aircraft Insurance
  • Commercial Umbrella Policy
  • Cyber Liability Insurance
  • Businessowners Policy
  • Professional Liability Insurance
  • Directors and Officers Liability Insurance
  • Summary
  • Key Concepts and Terms
  • Review Questions
  • Application Questions
  • Internet Resources
  • Selected References
  • Notes
  • Case Application
  • Insight 26.1: General Liability Lawsuit Examples
  • Insight 26.2: Beyond Prevention: Workers Compensation Insurance
  • Insight 26.3: 10 Most Common and Costliest Small Business Claims
• Chapter 27: Crime Insurance and Surety Bonds
  • The ISO Commercial Crime Insurance Program
  • Commercial Crime Coverage Form (Loss-Sustained Form)
  • Financial Institution Bonds
  • Surety Bonds
  • Summary
  • Key Concepts and Terms
  • Review Questions
  • Application Questions
  • Internet Resources
  • Selected References
  • Notes
  • Case Application
  • Insight 27.1: Crime Prevention Tips for Small Businesses
  • Insight 27.2: ISO's Crime Changes: Keeping Pace with our Digital World
• Appendix A: Personal Auto Policy
• Appendix B: Homeowners 3 (Special Form)
• Glossary
• Index

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