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Principles of Risk Management and Insurance W/2001 Tax Summary

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Edition:
7th
ISBN13:

9780201796568

ISBN10:
0201796562
Format:
Hardcover
Pub. Date:
12/1/2001
Publisher(s):
Pearson College Div
List Price: $113.33

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Table of Contents

Preface xvi
PART ONE Basic Concepts in Risk Management and Insurance 1(82)
Risk in Our Society
2(16)
Meaning of Risk
3(1)
Chance of Loss
4(1)
Peril and Hazard
5(1)
Basic Categories of Risk
6(2)
Types of Pure Risk
8(4)
Burden of Risk on Society
12(1)
Methods of Handling Risk
12(6)
Summary
15(1)
Key Concepts and Terms
16(1)
Review Questions
16(1)
Application Questions
16(1)
Selected References
17(1)
Notes
17(1)
Case Application
17
Insight 1.1 More Bad News For Widows
9(2)
Insight 1.2 Rotweiler Mauls Four-Year-Old Boy in Back Yard
11(7)
Insurance and Risk
18(22)
Definition of Insurance
20(1)
Basic Characteristics of Insurance
20(1)
Requirements of an Insurable Risk
21(2)
Two Applications: The Risks of Fire and Unemployment
23(1)
Adverse Selection and Insurance
24(1)
Insurance and Gambling Compared
25(1)
Insurance and Hedging Compared
25(1)
Types of Insurance
26(2)
Benefits of Insurance to Society
28(1)
Costs of Insurance to Society
29(11)
Summary
33(1)
Key Concepts and Terms
33(1)
Review Questions
33(1)
Application Questions
34(1)
Selected References
34(1)
Notes
35
Case Application
34
Insight 2.1 Woman Sentenced in Insurance Scam
31(5)
Appendix Basic Statistics and the Law of Large Numbers
36(4)
Introduction to Risk Management
40(20)
Meaning of Risk Management
42(1)
Objectives of Risk Management
42(1)
Steps in the Risk Management Process
43(1)
Identifying Potential Losses
43(1)
Evaluating Potential Losses
44(1)
Selecting the Appropriate Techniques for Treating Loss Exposures
44(9)
Implementing and Administering the Risk Management Program
53(1)
Personal Risk Management
54(6)
Summary
56(1)
Key Concepts and Terms
57(1)
Review Questions
57(1)
Application Questions
57(1)
Selected References
58(1)
Notes
59
Case Application
58
Insight 3.1 What Are the Major Issues Facing Risk Managers?
45(2)
Insight 3.2 Loss-Control Programs Can Cut Workers Compensation Costs
47(3)
Insight 3.3 Background on Self-Insurance
50(10)
Advanced Topics in Risk Management
60(23)
The Changing Scope of Risk Management
62(2)
Insurance Market Dynamics
64(5)
Loss Forecasting
69(2)
Financial Analysis in Risk Management Decision Making
71(2)
Use of Technology in Risk Management Programs
73(10)
Summary
76(1)
Key Concepts and Terms
77(1)
Review Questions
77(1)
Application Questions
78(1)
Selected References
78(1)
Notes
78(1)
Case Application
79
Insight 4.1 The Final Frontier of Risk
66(8)
Insight 4.2 Risk Maps: Tools of the Trade
74(6)
Appendix Loss Forecasting Using the Normal Distribution
80(3)
PART TWO Legal Principles in Risk and Insurance 83(34)
Fundamental Legal Principles
84(18)
Principle of Indemnity
85(3)
Principle of Insurable Interest
88(1)
Principle of Subrogation
89(2)
Principle of Utmost Good Faith
91(2)
Requirements of an Insurance Contract
93(1)
Distinct Legal Characteristics of Insurance Contracts
94(2)
Law and the Insurance Agent
96(6)
Summary
97(2)
Key Concepts and Terms
99(1)
Review Questions
99(1)
Application Questions
99(1)
Selected References
100(1)
Notes
101
Case Application
100
Insight 5.1 No Insurable Interest at the Time of Death: Is a Corporation Entitled to the Life Insurance Proceeds?
90(2)
Insight 5.2 Misrepresentation of Material Facts Allows Life Insurer to Deny Liability
92(10)
Analysis of Insurance Contracts
102(15)
Basic Parts of an Insurance Contract
103(2)
Definition of the ``Insured''
105(1)
Endorsements and Riders
106(1)
Deductibles
106(3)
Coinsurance
109(1)
Coinsurance in Health Insurance
110(1)
Other-Insurance Provisions
111(6)
Summary
113(1)
Key Concepts and Terms
114(1)
Review Questions
114(1)
Application Questions
114(2)
Selected References
116(1)
Notes
116
Case Application
115
Insight 6.1 Are You Insured When You Drive Another Person's Car?
107(10)
PART THREE Personal Property and Liability Risks 117(146)
The Liability Risk
118(20)
Basic of Legal Liability
119(1)
Law of Negligence
120(2)
Imputed Negligence
122(1)
Res Ipsa Loquitur
122(1)
Specific Applications of the Law of Negligence
122(3)
Special Tort Liability Problems
125(4)
Reforming the Civil Justice System
129(9)
Summary
133(1)
Key Concepts and Terms
134(1)
Review Questions
134(1)
Application Questions
135(1)
Selected References
136(1)
Notes
136(1)
Case Application
136
Insight 7.1 Assigning Blame in School Deaths Faces Obstacles
126(4)
Insight 7.2 Lawsuits Threaten Schools
130(2)
Insight 7.3 Man Sues Father, But It's Nothing Personal
132(6)
Homeowners Insurance, Section I
138(26)
Homeowners 2000 Program
139(5)
Analysis of Homeowners 3 Policy (Special Form)
144(1)
Section I Coverages
144(6)
Section I Perils Insured Against
150(3)
Section I Exclusions
153(1)
Section I Conditions
154(5)
Section I and II Conditions
159(5)
Summary
160(1)
Key Concepts and Terms
161(1)
Review Questions
161(1)
Application Questions
161(1)
Selected References
162(1)
Notes
163(1)
Case Application
163
Insight 8.1 Renters Insurance Is a Must if You Rent an Apartment or House
141(14)
Insight 8.2 Frequently Asked Questions About Homeowners Insurance
155(3)
Insight 8.3 Home Insurance Loses Its Safety Net
158(6)
Homeowners Insurance, Section II
164(23)
Personal Liability Insurance
165(2)
Section II Exclusions
167(4)
Section II Additional Coverages
171(1)
Endorsements to a Homeowners Policy
172(3)
Shopping for a Homeowners Policy
175(12)
Summary
179(3)
Key Concepts and Terms
182(1)
Review Questions
182(1)
Application Questions
182(1)
Selected References
183(1)
Notes
183(1)
Case Application
183
Insight 9.1 You Should Consider the Big Gap Between Replacement Cost and Actual Cash Value
174(2)
Insight 9.2 Is Your Home Business Covered Under A Homeowners Policy?
176(4)
Insight 9.3 Homeowners Insurance: Don't Overlook the Details
180(5)
Appendix Twelve Ways to Save Money on Your Homeowners Insurance
185(2)
Automobile Insurance
187(28)
Overview of Personal Auto Policy
189(1)
Part A: Liability Coverage
190(4)
Part B: Medical Payments Coverage
194(1)
Part C: Uninsured Motorists Coverage
195(3)
Part D: Coverage for Damage to Your Auto
198(8)
Part E: Duties After an Accident or Loss
206(1)
Part F: General Provisions
206(1)
Insuring Motorcycles and Other Vehicles
207(8)
Summary
208(1)
Key Concepts and Terms
208(1)
Review Questions
208(1)
Application Questions
209(1)
Selected References
210(1)
Notes
210(1)
Case Application
211
Insight 10.1 Latest Repair Fraud Sees Stolen Air Bags
200(3)
Insight 10.2 Cell Phones Again Tied to Crashes: New Report Indicts Distracting Devices
203(1)
Insight 10.3 Totaled! Now What Do You Do?
204(8)
Appendix Summary of 1998 Personal Auto Policy Coverages
212(3)
Automobile Insurance and Society
215(27)
Approaches for Compensating Automobile Accident Victims
217(8)
Auto Insurance for High-Risk Drivers
225(2)
Cost of Auto Insurance
227(4)
Shopping for Automobile Insurance
231(11)
Summary
237(1)
Key Concepts and Terms
238(1)
Review Questions
238(1)
Application Questions
239(1)
Selected References
240(1)
Notes
240
Case Application
239
Insight 11.1 Parts Case May Hike Premiums: Auto Insurers Say Generic Parts Have Helped to Keep Costs Down
232(1)
Insight 11.2 What Your Auto Insurer Knows About You
233(4)
Insight 11.3 Driving a Bargain: Car Insurance Is Getting Cheaper Amid Heated Competition. Go Ahead, Demand a Better Rate
237(5)
Other Property and Liability Insurance Coverages
242(21)
ISO Dwelling Program
243(1)
Mobilehome Insurance
244(1)
Inland Marine Floaters
245(1)
Insurance on Pleasure Boats
246(1)
Federal Property Insurance Programs
247(7)
Title Insurance
254(1)
Personal Umbrella Policy
254(9)
Summary
258(1)
Key Concepts and Terms
259(1)
Review Questions
259(1)
Application Questions
259(1)
Selected References
260(1)
Notes
260(1)
Case Application
261
Insight 12.1 Accidents Are on the Rise as Inexperienced Skippers Crowd the Waterways
248(4)
Insight 12.2 Myths and Facts About the National Flood Insurance Program
252(4)
Insight 12.3 The Perils an Umbrella Policy Can Protect Against
256(7)
PART FOUR Commercial Property and Liability Risks 263(70)
Commercial Property Insurance
264(27)
Overview of Commercial Package Policy
266(2)
Building and Personal Property Coverage Form
268(2)
Causes-of-Loss Forms
270(2)
Reporting Forms
272(2)
Business Income Insurance
274(2)
Other Commercial Coverages
276(4)
Transportation Insurance
280(4)
Businessowners Policy (BOP)
284(7)
Summary
286(1)
Key Concepts and Terms
287(1)
Review Questions
287(1)
Application Questions
288(1)
Selected References
288(1)
Notes
288(1)
Case Application
289
Insight 13.1 Examples of Coverage Under the Building and Personal Property Coverage Form
269(4)
Insight 13.2 Advantages of the Special Causes-of-Loss Form
273(18)
Commercial Liability Insurance
291(27)
General Liability Loss Exposures
293(1)
Commercial General Liability (CGL) Policy
294(6)
Employment Practices Liability Insurance
300(1)
Workers Compensation and Employers Liability Insurance
301(4)
Commercial Auto Insurance
305(2)
Aviation Insurance
307(1)
Bailee's Customer Insurance
308(1)
Commercial Umbrella Policy
309(1)
Liability Insurance, Businessowners Policy
310(1)
Professional Liability Insurance
311(7)
Summary
312(3)
Key Concepts and Terms
315(1)
Review Questions
315(1)
Application Questions
315(1)
Selected References
316(1)
Notes
316(1)
Case Application
317
Insight 14.1 Online Crashes Raise Liability Issue
295(7)
Insight 14.2 Insurance Covers Harassment Claims: As Settlements Rise, Firms Buy Policies
302(2)
Insight 14.3 Workplace Violence And Workplace Homicides Are Serious National Problems
304(9)
Insight 14.4 Report Says Mistakes in Medicine Too Frequent
313(5)
Crime Insurance and Surety Bonds
318(15)
Commercial Crime Insurance Program
319(6)
Surety Bonds
325(8)
Summary
328(1)
Key Concepts and Terms
329(1)
Review Questions
329(1)
Application Questions
330(1)
Selected References
331(1)
Notes
331
Case Application
330
Insight 15.1 Settling The Score: Pilfering At Work Is Not Uncommon
323(3)
Insight 15.2 Kidnapping Insurance Is Growth Business
326(7)
PART FIVE Life and Health Risks 333(212)
Fundamentals of Life Insurance
334(20)
Premature Death
336(1)
Financial Impact of Premature Death on Different Types of Families
337(2)
Amount of Life Insurance to Own
339(8)
Methods for Providing Life Insurance Protection
347(7)
Summary
350(1)
Key Concepts and Terms
351(1)
Review Questions
351(1)
Application Questions
351(1)
Selected References
352(1)
Notes
352(1)
Case Application
352
Insight 16.1 Get Life Insurance---Before It's Too Late
337(1)
Insight 16.2 Cardiovascular Death Rate Plummets
338(6)
Insight 16.3 Life Insurance: Three Families' Needs
344(4)
Insight 16.4 New Life Study Reveals Crisis of Underinsurance
348(6)
Types of Life Insurance
354(20)
Types of Life Insurance
355(5)
Variations of Whole Life Insurance
360(7)
Other Types of Life Insurance
367(7)
Summary
370(1)
Key Concepts and Terms
371(1)
Review Questions
371(1)
Application Questions
371(1)
Selected References
372(1)
Notes
372(1)
Case Application
373
Insight 17.1 Look For Term Insurance Rates To Rise In The Future
358(2)
Insight 17.2 When Cash-Value Life Insurance Makes Sense
360(14)
Life Insurance Contractual Provisions
374(25)
Life Insurance Contractual Provisions
376(5)
Dividend Options
381(1)
Nonforfeiture Options
382(3)
Settlement Options
385(4)
Additional Life Insurance Benefits
389(10)
Summary
393(3)
Key Concepts and Terms
396(1)
Review Questions
396(1)
Application Questions
396(1)
Selected References
396(1)
Notes
397(1)
Case Application
397
Insight 18.1 Which Divided Option Is Best?
383(1)
Insight 18.2 How To Cash In Life Insurance: To Wring Money From A Policy You Don't Need, Try These Strategies
384(10)
Insight 18.3 Playing The Death Pool
394(5)
Buying Life Insurance
399(21)
Determining the Cost of Life Insurance
400(4)
Rate of Return on Saving Component
404(3)
Taxation of Life Insurance
407(1)
Shopping for Life Insurance
408(12)
Summary
411(1)
Key Concepts and Terms
412(1)
Review Questions
412(1)
Application Questions
412(1)
Selected References
412(1)
Notes
413(1)
Case Application
413
Insight 19.1 Factors To Consider in Replacing a Life Insurance Policy
405(5)
Insight 19.2 Skip The Flight Insurance At Airports
410(4)
Appendix Is Your Life Insurance Reasonably Priced? (How to Evaluate an Existing Life Insurance Policy)
414(6)
Annuities and Individual Retirement Accounts
420(23)
Individual Annuities
422(1)
Types of Annuities
423(7)
Taxation of Individual Annuities
430(1)
Individual Retirement Accounts
431(12)
Summary
436(4)
Key Concepts and Terms
440(1)
Review Questions
440(1)
Application Questions
440(1)
Selected References
440(1)
Notes
441(1)
Case Application
441
Insight 20.1 Ensuring Your Nest Egg Doesn't Crack
426(5)
Insight 20.2 These Investments Are Less Than Meets The Eye
431(1)
Insight 20.3 When Annuities Can Work
432(4)
Insight 20.4 When Roth IRAs Pay Off
436(7)
Individual Health and Disability-Income Insurance
443(25)
Health Care Problems in the United States
445(1)
Types of Individual Health Insurance Coverages
446(1)
Hospital-Surgical Insurance
446(1)
Major Medical Insurance
447(2)
Long-Term Care Insurance
449(4)
Disability-Income Insurance
453(4)
Individual Medical Expense Contractual Provisions
457(2)
Shopping for Health Insurance
459(9)
Summary
463(2)
Key Concepts and Terms
465(1)
Review Questions
465(1)
Application Questions
465(1)
Selected References
466(1)
Notes
467
Case Application
466
Insight 21.1 Critical Illness Insurance Pays Extra Costs That Accompany Serious Illnesses
450(12)
Insight 21.2 Cancer Insurance A Controversial Sell
462(1)
Insight 21.3 The Last Resort: State High-Risk Pools For The Uninsurable
463(5)
Employee Benefits: Group Life and Health Insurance
468(23)
Group Insurance
470(2)
Group Life Insurance Plans
472(1)
Group Medical Expense Insurance
473(1)
Types of Group Medical Expense Plans
474(2)
Managed Care Plans
476(5)
Group Medical Expense Contractual Provisions
481(3)
Group Dental Insurance
484(1)
Group Disability-Income Insurance
485(1)
Cafeteria Plans
486(5)
Summary
487(1)
Key Concepts and Terms
488(1)
Review Questions
489(1)
Application Questions
489(1)
Selected References
489(1)
Notes
489(1)
Case Application
490
Insight 22.1 For-Profit HMOs Score Lower on Care
480(1)
Insight 22.2 Rising Number of Doctors Cut Links to HMOs
481(4)
Insight 22.3 What Happens to My Health Insurance If I Lose My Job?
485(6)
Employee Benefits: Retirement Plans
491(23)
Fundamentals of Private Retirement Plans
493(6)
Types of Qualified Retirement Plans
499(1)
Defined-Contribution Plans
499(1)
Defined-Benefit Plans
499(2)
Section 401(k) Plans
501(3)
Profit-Sharing Plans
504(1)
Retirement Plans for the Self-Employed
505(1)
Simplified Employee Pension (SEP)
505(1)
SIMPLE Retirement Plans
506(2)
Funding Agency and Funding Instruments
508(6)
Summary
509(1)
Key Concepts and Terms
510(1)
Review Questions
511(1)
Application Questions
511(1)
Selected References
512(1)
Notes
512(1)
Case Application
512
Insight 23.1 Ten Common Causes of Errors in Pension Calculation: Consumer Tips for Safeguarding Your Pension
497(5)
Insight 23.2 Some Workers Facing Pension Hit
502(4)
Insight 23.3 Eight Reasons Why 401(k)s Are A Smart Idea
506(8)
Social Insurance
514(31)
Social Insurance
515(2)
Old-Age, Survivors, and Disability Insurance (OASDI)
517(2)
Types of Benefits
519(10)
Problems and Issues
529(2)
Unemployment Insurance
531(3)
Workers Compensation
534(11)
Summary
539(1)
Key Concepts and Terms
539(1)
Review Questions
540(1)
Application Questions
540(1)
Selected References
540(3)
Notes
543
Case Application
541
Insight 24.1 Get The Picture On Your Social Security Benefits
524(13)
Insight 24.2 Are Professional Football And Baseball Players Eligible For Workers Compensation?
537(8)
PART SIX The Insurance Industry 545
Types of Insurers and Marketing Systems
546(16)
Types of Private Insurers
548(4)
Agents and Brokers
552(1)
Types of Marketing Systems
553(4)
Mass Merchandising
557(5)
Summary
558(1)
Key Concepts and Terms
559(1)
Review Questions
559(1)
Application Questions
559(1)
Selected References
560(1)
Notes
560(1)
Case Application
560
Insight 25.1 When Internet Selling Falls Short
554(4)
Insight 25.2 Payroll Plan Lets Workers Save Money And Checks
558(4)
Insurance Company Operations
562(19)
Insurance Company Operations
563(1)
Rate Making
563(1)
Underwriting
564(3)
Production
567(3)
Claim Settlement
570(1)
Reinsurance
571(5)
Other Insurance Company Functions
576(5)
Summary
577(1)
Key Concepts and Terms
578(1)
Review Questions
578(1)
Application Questions
578(1)
Selected References
579(1)
Notes
579(1)
Case Application
579
Insight 26.1 Genetic Testing Threatens To Fundamentally Alter The Whole Notion Of Insurance
568(13)
Insurance Pricing
581(20)
Objectives of Rate Making
582(1)
Basic Definitions in Rate Making
583(1)
Rate Making in Property and Liability Insurance
584(2)
Rate Making in Life Insurance
586(6)
Reserves in Property and Liability Insurance
592(4)
Life Insurance Policy Reserves
596(5)
Summary
598(1)
Key Concepts and Terms
598(1)
Review Questions
598(1)
Application Questions
599(1)
Selected References
599(1)
Notes
599(1)
Case Application
600
Insight 27.1 Comparison of Annual Rate Of Return For Property And Casualty Insurance Industry With Other Industries
595(6)
Government Regulation of Insurance
601
Reasons for Insurance Regulation
602(1)
Historical Development of Insurance Regulation
603(1)
Methods for Regulating Insurers
604(1)
What Areas Are Regulated?
605(6)
State Versus Federal Regulation
611(4)
Current Issues in Insurance Regulation
615
Summary
626(1)
Key Concepts and Terms
627(1)
Review Questions
627(1)
Application Questions
627(1)
Selected References
628(1)
Notes
628(1)
Case Application
628
Insight 28.1 Auto Insurance Complaints In New York State
612(4)
Insight 28.2 Boundaries Blurring For Financial Services
616(9)
Insight 28.3 Insurance Department Report Card
625
Appendix A Homeowners 3 (Special Form) 1(23)
Appendix B Personal Auto Policy 24(13)
Appendix C Whole Life Policy 37(16)
Appendix D Universal Life Policy 53(9)
Glossary 62(14)
Index 76


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