Fundamentals of Risk and Insurance

RISK AND INSURANCE: The Conceptual Framework; The Insurance Device; Risk Management; The Fields of Insurance; The Private Insurance Industry; The Structure of the Insurance Industry; Functions of Insurers; Financial Aspects of Insurer Operations; The Government as an Insurer Regulation of the Insurance Industry; The Legal Framework; LIFE AND HEALTH INSURANCE: Introduction to Life Insurance; The Actuarial Basis of Life Insurance; The Life Insurance Contract; Special Life Insurance Policy Forms; Health Insurance-Disability Income Insurance; Health Insurance - Coverage for Medical Expenses; The Old Age, Survivors, Disability and Health Insurance Program; Other Compulsory Compensation Programs; Programming Income Coverages; Buying Life Insurance and Estate Planning; Retirement Programs and Business Uses of Life and Health Insurance; PROPERTY AND LIABILITY INSURANCE: The Standard Fire Policy; The Homeowners Policy: Part I, Part II; Other Personal Forms of Property Insurance; Negligence and Legal Liability; General Liability Insurance for the Individual; The Automobile and Its Legal Environment; The Personal Auto Policy; Other Automobile Policy Forms and Automobile Insurance Rates; Commercial Property Coverages; Commercial Liability Coverages; Surety Bonds and Credit Insurance; Insurance in the Future; Appendixes; Index.