Download or read book Insurance Transformed written by Michael Naylor and published by Springer. This book was released on 2017-10-16 with total page 339 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book explores how a range of innovative disruptive technologies is about to combine to transform the insurance industry, the products it produces, and the way the industry is managed. It argues that unless current insurance providers react to these waves of disruption they will be swept away by new innovators. The book describes what insurers need to do to survive. The main aim is to get insurers to reimagine their industry away from the sale of a one-off product, into the sale of a series of real-time, data-based risk services. While parts of these disruptions have been discussed, this book is the first to bring all the issues together and unites them using a theoretical framework. This book is essential reading for insurance industry participants as well as to academics interested in insurance and understanding the key issues the industry currently faces.

Download or read book Long term Strategies for Health Care written by United States. Congress. House. Committee on Ways and Means and published by . This book was released on 1992 with total page 868 pages. Available in PDF, EPUB and Kindle. Book excerpt: Abstract: This hearing transcript debates the current administration's degree of support for pursuing the problem of freeing the environment of lead, which is poisoning approximately 3 million American each year.

Download or read book Laws Governing Insurance Companies written by Kansas and published by . This book was released on 1897 with total page 94 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Handbook of Insurance written by Georges Dionne and published by Springer Science & Business Media. This book was released on 2013-12-02 with total page 1133 pages. Available in PDF, EPUB and Kindle. Book excerpt: This new edition of the Handbook of Insurance reviews the last forty years of research developments in insurance and its related fields. A single reference source for professors, researchers, graduate students, regulators, consultants and practitioners, the book starts with the history and foundations of risk and insurance theory, followed by a review of prevention and precaution, asymmetric information, risk management, insurance pricing, new financial innovations, reinsurance, corporate governance, capital allocation, securitization, systemic risk, insurance regulation, the industrial organization of insurance markets and other insurance market applications. It ends with health insurance, longevity risk, long-term care insurance, life insurance financial products and social insurance. This second version of the Handbook contains 15 new chapters. Each of the 37 chapters has been written by leading authorities in risk and insurance research, all contributions have been peer reviewed, and each chapter can be read independently of the others.

Download or read book The Future of Insurance written by Bryan Falchuk and published by . This book was released on 2020-06-23 with total page 172 pages. Available in PDF, EPUB and Kindle. Book excerpt: For over 100 years, Insurers have stood by customers at some of the toughest moments in their lives, and helped allow people to go about their lives and pursue their business ideas without having to worry about the risks involved.Today, those customers have different expectations for how they want to do business and be served. And those expectations are changing faster than ever before.The industry has faced many headwinds, making it difficult to keep up with change - regulation, bureaucracy, system constraints. past technology project pain, thin margins, etc.And yet, several carriers have innovated and evolved.Understanding their paths to success can help shed light on how we as an industry can continue to evolve to meet our customers' needs despite the disruption and headwinds we all face.The Future of Insurance shares the first-hand accounts of insurers across functions and lines of business to not just give inspiration, but leave readers with a tangible blueprint for evolving through a new set of modern, flexible and responsive approaches and tools.

Download or read book The Economics of Risk and Insurance written by S. Hun Seog and published by John Wiley & Sons. This book was released on 2010-03-15 with total page 353 pages. Available in PDF, EPUB and Kindle. Book excerpt: Written for advanced undergraduate and master’s level courses, this book builds from a base of asymmetric information issues to discuss a wide array of topics and is illustrated with some timely examples. Covers diverse issues such as risk aversion, expected utility, and moral hazard within the pure theory of insurance Provides a clear exposition of the necessary mathematics, a feature which cannot be found in readers on the topic Utilizes an undergraduate economics major level of math Uses the simplest economic models possible to keep the text intuitive Introduces more mathematically complex techniques such as basic optimization for students wishing to 'go further' in their analysis

Download or read book Communities in Action written by National Academies of Sciences, Engineering, and Medicine and published by National Academies Press. This book was released on 2017-04-27 with total page 583 pages. Available in PDF, EPUB and Kindle. Book excerpt: In the United States, some populations suffer from far greater disparities in health than others. Those disparities are caused not only by fundamental differences in health status across segments of the population, but also because of inequities in factors that impact health status, so-called determinants of health. Only part of an individual's health status depends on his or her behavior and choice; community-wide problems like poverty, unemployment, poor education, inadequate housing, poor public transportation, interpersonal violence, and decaying neighborhoods also contribute to health inequities, as well as the historic and ongoing interplay of structures, policies, and norms that shape lives. When these factors are not optimal in a community, it does not mean they are intractable: such inequities can be mitigated by social policies that can shape health in powerful ways. Communities in Action: Pathways to Health Equity seeks to delineate the causes of and the solutions to health inequities in the United States. This report focuses on what communities can do to promote health equity, what actions are needed by the many and varied stakeholders that are part of communities or support them, as well as the root causes and structural barriers that need to be overcome.

Download or read book Changes in the Life Insurance Industry Efficiency Technology and Risk Management written by J. David Cummins and published by Springer Science & Business Media. This book was released on 2012-12-06 with total page 379 pages. Available in PDF, EPUB and Kindle. Book excerpt: Major challenges for life insurance companies have been posed by an unprecedented wave of mergers and acquisitions in the insurance industry and the emergence of non-traditional competitors such as banks, mutual fund companies and investment advisory firms. This is the first book to analyze the determinants of firm performance in the life insurance industry by identifying the `best practices' employed by leading insurers to succeed in this dynamic business environment. The book draws upon data from insurer financial statements as well as upon an extensive survey of life insurer management practices and strategic choices in distribution systems, information technology, mergers and acquisitions, human resources and financial strategies. Generic strategies such as cost leadership, customer focus, and product differentiation are analyzed as well as strategic practices specific to the insurance industry. Best practices are identified by measuring the economic efficiency of insurers and by comparing firms across the industry. Both cost and revenue efficiency are measured relative to best practice efficient frontiers consisting of the industry's dominant life insurance firms. Economies of scale and the effects of mergers and acquisitions on efficiency are also analyzed. Financial strategies are examined with specific reference to pricing policy, valuation of assets and liabilities, and the current state of firm-level risk management systems. The benchmarks established are the result of extensive fieldwork that identifies key financial risks and methodologies to both measure and manage them at the firm level. The results discussed in the book indicate that firm performance is significantly correlated with management practices and strategic choices. Thus, life insurers can improve profitability by adopting optimal combinations of strategies. The book contains important new material on the effects of strategic choices in product distribution systems, information technology, mergers and acquisitions, human resources, and financial risk management policies. In the area of efficiency, the methodology provides a new approach for identifying peer groups of insurers and measuring the performance of individual insurers relative to their peer group. On the topics of risk and pricing, new insights are offered relative to current methodologies and in regard to areas where improvement is clearly warranted. The book concludes with an analysis of the future opportunities and challenges in the life insurance industry facing managers, and the strategic options available to them to cope with these changes.

Download or read book Model Rules of Professional Conduct written by American Bar Association. House of Delegates and published by American Bar Association. This book was released on 2007 with total page 216 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Model Rules of Professional Conduct provides an up-to-date resource for information on legal ethics. Federal, state and local courts in all jurisdictions look to the Rules for guidance in solving lawyer malpractice cases, disciplinary actions, disqualification issues, sanctions questions and much more. In this volume, black-letter Rules of Professional Conduct are followed by numbered Comments that explain each Rule's purpose and provide suggestions for its practical application. The Rules will help you identify proper conduct in a variety of given situations, review those instances where discretionary action is possible, and define the nature of the relationship between you and your clients, colleagues and the courts.

Download or read book Stempel on Insurance Contracts written by Jeffrey W. Stempel and published by Wolters Kluwer. This book was released on 2005-12-30 with total page 3276 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Insurance Climate Change and the Law written by Franziska Arnold-Dwyer and published by Taylor & Francis. This book was released on 2024-03-29 with total page 259 pages. Available in PDF, EPUB and Kindle. Book excerpt: The insurance industry has found itself at the front line of climate change challenges, providing insurance cover in relation to risks associated with climate change. As risk carriers, insurers pay claims for climate change related losses – such as property damage caused by windstorms, flooding, and wildfires – which have been increasing in frequency and severity. As major institutional investors, insurance companies invest in assets that may be increasingly vulnerable to climate risks. Insurance regulators across the globe have therefore started to require insurance companies to identify, manage, and report on climate change risks that could pose a threat to their financial stability. However, managing and reporting on the effect of climate risk on an insurer’s balance sheet is an inward-looking perspective that does not stem climate change. It needs to be paired with an outward-looking perspective that takes account of the insurance industry’s impact on the environment and the insurance industry’s capacity to influence what policyholders, investee enterprises, and other business partners do to address climate change challenges. For the insurance industry, the key components of positive outward impact are ‘impact underwriting’ and ‘impact investment.’ This book sets out the current legal and regulatory landscape for impact underwriting and impact investment. Whilst the focus of research and regulatory interventions to date has been on inward impact, in this book it will be argued that, to take positive climate action that supports the Paris Agreement goals and the national and international Net Zero targets, the debate should now move on to considering the positive outward impact the insurance industry can make and how we can create a legal environment to facilitate this. The book puts forward the case for a new vision of the role of the insurance industry as climate action enablers and makes proposals for insurance products and risk transfer and loss resilience structures that can support policyholders in their transition to a Net Zero economy. The audience for this book will include legal practitioners, insurance industry professionals, financial and insurance regulators, policymakers, and interested academics.

Download or read book An American Sickness written by Elisabeth Rosenthal and published by Penguin. This book was released on 2017-04-11 with total page 434 pages. Available in PDF, EPUB and Kindle. Book excerpt: A New York Times bestseller/Washington Post Notable Book of 2017/NPR Best Books of 2017/Wall Street Journal Best Books of 2017 "This book will serve as the definitive guide to the past and future of health care in America.”—Siddhartha Mukherjee, Pulitzer Prize-winning author of The Emperor of All Maladies and The Gene At a moment of drastic political upheaval, An American Sickness is a shocking investigation into our dysfunctional healthcare system - and offers practical solutions to its myriad problems. In these troubled times, perhaps no institution has unraveled more quickly and more completely than American medicine. In only a few decades, the medical system has been overrun by organizations seeking to exploit for profit the trust that vulnerable and sick Americans place in their healthcare. Our politicians have proven themselves either unwilling or incapable of reining in the increasingly outrageous costs faced by patients, and market-based solutions only seem to funnel larger and larger sums of our money into the hands of corporations. Impossibly high insurance premiums and inexplicably large bills have become facts of life; fatalism has set in. Very quickly Americans have been made to accept paying more for less. How did things get so bad so fast? Breaking down this monolithic business into the individual industries—the hospitals, doctors, insurance companies, and drug manufacturers—that together constitute our healthcare system, Rosenthal exposes the recent evolution of American medicine as never before. How did healthcare, the caring endeavor, become healthcare, the highly profitable industry? Hospital systems, which are managed by business executives, behave like predatory lenders, hounding patients and seizing their homes. Research charities are in bed with big pharmaceutical companies, which surreptitiously profit from the donations made by working people. Patients receive bills in code, from entrepreneurial doctors they never even saw. The system is in tatters, but we can fight back. Dr. Elisabeth Rosenthal doesn't just explain the symptoms, she diagnoses and treats the disease itself. In clear and practical terms, she spells out exactly how to decode medical doublespeak, avoid the pitfalls of the pharmaceuticals racket, and get the care you and your family deserve. She takes you inside the doctor-patient relationship and to hospital C-suites, explaining step-by-step the workings of a system badly lacking transparency. This is about what we can do, as individual patients, both to navigate the maze that is American healthcare and also to demand far-reaching reform. An American Sickness is the frontline defense against a healthcare system that no longer has our well-being at heart.

Download or read book Case Studies in Canadian Health Policy and Management Second Edition written by Raisa B. Deber and published by University of Toronto Press. This book was released on 2014-04-30 with total page 366 pages. Available in PDF, EPUB and Kindle. Book excerpt: Covering a wide range of issues, the 22 cases included in Case Studies in Canadian Health Policy and Management constitute an exceptional resource for bringing real-life policy questions into the classroom. Based on actual events, the cases have been developed with input from mid-career professionals with strong field experience and extensively tested in Raisa B. Deber’s graduate case study seminar at the University of Toronto. Each case features both a substantive health policy issue and a selection of key concepts and methods appropriate to examining public policy, public health, and health care management issues. In each case, the authors provide a summary of the case and the related policy issues, a description of events, suggested questions for discussion, supporting information, and both works cited and further reading. Suitable for graduate and undergraduate classrooms in programs in a variety of fields, Case Studies in Canadian Health Policy and Management is an exceptional educational resource. This second edition features all new cases, as well as adding an introductory chapter that provides a framework and tools for health policy analysis in Canada.

Download or read book Bruner and O Connor on Construction Law written by Philip L. Bruner and published by . This book was released on 2002 with total page 1134 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Changing Climates in North American Politics written by Henrik Selin and published by MIT Press. This book was released on 2009 with total page 353 pages. Available in PDF, EPUB and Kindle. Book excerpt: Analysis of climate change policy innovations across North America at transnational, federal, state, and local levels, involving public, private, and civic actors. North American policy responses to global climate change are complex and sometimes contradictory and reach across multiple levels of government. For example, the U.S. federal government rejected the Kyoto Protocol and mandatory greenhouse gas (GHG) restrictions, but California developed some of the world's most comprehensive climate change law and regulation; Canada's federal government ratified the Kyoto Protocol, but Canadian GHG emissions increased even faster than those of the United States; and Mexico's state-owned oil company addressed climate change issues in the 1990s, in stark contrast to leading U.S. and Canadian energy firms. This book is the first to examine and compare political action for climate change across North America, at levels ranging from continental to municipal, in locations ranging from Mexico to Toronto to Portland, Maine. Changing Climates in North American Politics investigates new or emerging institutions, policies, and practices in North American climate governance; the roles played by public, private, and civil society actors; the diffusion of policy across different jurisdictions; and the effectiveness of multilevel North American climate change governance. It finds that although national climate policies vary widely, the complexities and divergences are even greater at the subnational level. Policy initiatives are developed separately in states, provinces, cities, large corporations, NAFTA bodies, universities, NGOs, and private firms, and this lack of coordination limits the effectiveness of multilevel climate change governance. In North America, unlike much of Europe, climate change governance has been largely bottom-up rather than top-down. Contributors Michele Betsill, Alexander Farrell, Christopher Gore, Michael Hanemann, Virginia Haufler, Charles Jones, Dovev Levine, David Levy, Susanne Moser, Annika Nilsson, Simone Pulver, Barry Rabe, Pamela Robinson, Ian Rowlands, Henrik Selin, Peter Stoett, Stacy VanDeveer

Download or read book INSURANCE INDIA VISION 2030 written by Jagendra Rana and published by Blue Rose Publishers. This book was released on 2022-12-16 with total page 276 pages. Available in PDF, EPUB and Kindle. Book excerpt: India’s insurance sector is transforming at a rapid pace and gaining centrality in the macroeconomic dynamics of the country. What shape and form it will acquire by 2030 is linked to the nature of timely and vital intervention by both the policy makers and participants in the financial industry. India is the 2nd largest InsurTech market in the APAC region. The IRDAI is pursuing various regulatory reforms toward achieving the objective of “Insurance for All.” The Insurance industry has witnessed major growth in the past few decades. With the introduction of new products and plans, it has not only helped consumers by providing financial protection but also contributed to the nation’s economy. The Industry is poised for radical evolution in times to come due to changes in the overall economic environment.

Download or read book Climate Change and Risk written by Thomas Downing and published by Routledge. This book was released on 2002-03-11 with total page 567 pages. Available in PDF, EPUB and Kindle. Book excerpt: Climate, Change and Risk presents an overview of 'extreme' weather related events and our ability to cope with them. It focuses on society's responses, insurance matters and methodologies for the analysis of climatic hazards. Drawing on worldwide research from the leading names in the field this volume explores the changes in weather hazards that might be expected as the global climate changes.