Fundamentals of Risk and Insurance

RISK AND INSURANCE; The Problem of Risk; The Insurance Device; Risk Management; The Fields of Insurance; The Private Insurance Industry; Regulation of the Insurance Industry; Functions of Insurers; Finanical Aspects of Insurer Operations; The Legal Framework; LIFE AND HEALTH INSURANCE; Managing Personal Risks; Social Insurance Programs; Introduction to Life Insurance; The Actuarial Basis of Life Insurance; The Life Insurance Contract General Provisions; The Life Insurance Contract Other Provisions; Special Life Insurance Forms; Buying Life Insurance; Annuities and Pension Benefits; Managing the Retirement Risk; Health Insurance: Disability Income Insurance; Health Insurance Coverage for Medical Expenses; Health Insurance for the Elderly; Employee Benefits and Other Business Uses of Life and Health Insurance; PROPERTY AND LIABILITY INSURANCE; The Homeowners Policy General Provisions; The Homeowners Policy Forms; 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; Commercial Property Insurance; Commercial Liability Insurance; Surety Bonds and Credit Insurance; Insurance in the Future; Appendix; Indexes.