Essentials of Insurance

RISK, RISK MANAGEMENT, AND INSURANCE; The Problem with Risk; Risk Management; The Insurance Device; The Risk Management Process; Risk Management Applications; The Private Insurance Industry; Functions of Insurers; Regulation of the Insurance Industry; The Legal Framework; LIFE AND HEALTH INSURANCE; Managing Personal Risks; Social Insurance Programs; Introduction to Life Insurance; The Life Insurance Contract; Buying Life Insurance and Estate Planning; Health Insurance: Disability Income Insurance; Health Insurance Coverage for Medical Expenses; Employee Benefits and Business Uses of Life and Health Insurance; PROPERTY AND LIABILITY INSURANCE; The Homeowners Policy; Other Personal Forms of Property Insurance; Negligence and Legal Liability; General Liability Insurance for the Individual; The Automobile and Its Lega Environment; The Personal Auto Policy; Commercial Property and Liability Coverages; Insurance in the Future; Appendices; Index.