Eight out of ten Americans will have an accident in the next seven years. Baldyga delivers over three decades of personal injury, insurance claim experience in this easy-to-read book. Learn how to settle "pain and suffering" for top dollar. (Legal Reference)

Investigate the dynamic impact that curing catastrophic diseases, such as cancer, leukemia, and AIDS, will have on the insurance industry in the years ahead. A practical analysis for anyone concerned with the future of health and life insurance in America.

Getting Started in annuities

One of the most popular retirement investment options, annuities are also among the most difficult to comprehend. This handy volume provides an in-depth, easy-to-understand look at these complex instruments, revealing exactly what they are, how they work, and what advantages they have over other investment vehicles. Along with performance tables, sample portfolios, and a helpful Q & A section, you'll find up-to-date details on tax law changes, as well as complete information on:

In the 1980s and early 1990s, America's system of workers' compensation insurance was in trouble. As medical costs grew and benefits and compensable injuries expanded, costs of this insurance skyrocketed. In response, the states imposed price controls, but those controls caused unforeseen - and negative - consequences. The authors define the problems, trace the regulatory responses, and analyze the effects of rate regulation. Their study illuminates how rate regulation set up to control the cost of workers' compensation insurance reduced incentives for safety and cost control and subsidized high-risk activities and firms at the expense of others.

Now updated to reflect the changing environment of business finance, this book includes new material on life insurance, life annuities and more. Students learn how to master effective problem-solving techniques with 1,224 practice problems and questions. The large number and variety of practical applications offer a feel for how to conduct business and financial transactions in the real world. Finally, review problems offer the opportunity for more study or self-testing.

Between 1987 and 1991, the portion of Americans covered by individually purchased health insurance dropped 40per cent. Assuming the US will continue to rely on private financing for health care, the author clarifies benefits to society from an efficient health insurance market.

This text focuses on insurance as a tool for addressing risk, as opposed to government benefit programs or involuntary liability using the court system. It examines the public policy and economic nature of insurance, the insurability of risks and applies this to three environmental examples.

Publisher's Note: Products purchased from Third Party sellers are not guaranteed by the publisher for quality, authenticity, or access to any online entitlements included with the product. Protect your business from all types of risks--insure your projects with advice from the experts Here you'll find the answers to your questions about insurance, bonding, and risk management for all of your construction projects. This much-needed book helps you assess your requirements for insurance coverage, evaluate policies, find the fairest rates, obtain bonding, and manage risks professionally and confidently. Written by the foremsot experts at Ernst & Young LLP and Willis Corroon Construction, this authoritative guide gives you the information and methods you need to simplify and systematize your project insurance bonding, and risk management issues, and protect your business from all types of liabilities: You'll learn how to: establish your requirements for various types of insurance; determine how to get the insurance you need at the best rate; read and evaluate insurance contracts; secure bonds for both contractors and subcontractors; obtain workers compensation coverage; evaluate environmental issues; understand the role of sureties in litigation. Construction contractors and subcontractors, CPAs, law firms, and insurance and bonding agents will all welcome this comprehensive guide and the authoritative help it gives in ensuring successful outcomes for construction projects of every kind.

This work examines the integenerational transfers that can be expected from a shift to community rating under a mandatory health insurance purchase requirement. The analysis applies to proposals that would limit the adjusting of insurance premiums to account for different risks associated with age.

This text analyses the effects on insurance markets and consumers, of proposals to require community rating in all health plans.

This book puts an end to unnecessary consumer spending by telling how to lower automobile insurance premiums, choose a good HMO or PPO health plan, reduce homeowner's insurance premiums, determine the amount of life insurance really needed, and more.

At the turn of the century, the North Carolina Mutual Life Insurance Company became the "world's largest Negro business." Located in Durham, North Carolina, which was known as the "Black Wall Street of America," this business came to symbolize the ideas of racial progress, self-help, and solidarity in America. Walter B. Weare's social and intellectual history, originally published in 1973 (University of Illinois Press) and updated here to include a new introduction, still stands as the definitive history of black business in the New South. Drawing on a wide range of sources--including personal papers of the company's leaders and oral history interviews--Weare traces the company's story from its ideological roots in the eighteenth century to its economic success in the twentieth century.

Dieses Sachbuch bietet privaten Anlegern eine erprobte Methode, Aktien mit einfachen Mitteln in drei Dimensionen zu analysieren, um eine fundierte Kaufentscheidung zu treffen. Chancen und Risiken werden aufgedeckt und abgewogen, so dass Anleger gemass ihrer eigenen Risikobereitschaft handeln koennen. Im ersten Schritt wird anhand einer einfachen Kennziffernanalyse die finanzielle Situation der jeweiligen Aktiengesellschaft beleuchtet, um schnell und moeglichst treffsicher finanziell solide Unternehmen zu finden. Darauf folgt die Bewertung der Analystenschatzungen mit selbst definierten Risikoparametern anhand eines einfach zu handhabenden finanzmathematischen Modells. Schliesslich folgt die Bestimmung des Kaufzeitpunktes mithilfe einer Chartanalyse. Mit dieser Methode bilden sich Anleger in drei Dimensionen zu Chance und Risiko der Aktie eine Meinung. Damit steigt die Wahrscheinlichkeit, dass die Chancen die Risiken ubersteigen. Das stets mit der Geldanlage in Aktien verbundene Verlustrisiko lasst sich auf diese Weise verringern. Solche Aktien koennen tendenziell einige Zeit im Depot ruhen. Damit eignet sich diese Methode sehr gut fur Anleger, die selbst uber ihre Aktienanlagen entscheiden moechten und nicht taglich ihr Depot uberwachen wollen oder koennen.

Dieses Buch fu hrt mathematisch pra zise in die stochastischen Modelle ein, die bei der Bewertung von Schadensbetra gen fu r Versicherungen von besonderer Bedeutung sind. Abgedeckt werden Modelle fu r kleine und grosse Schadensbetra ge, Modelle fur extreme Ereignisse, Risikomasse, sowie die stochastischen Prozesse der aktuariellen Risikotheorie: Za hlprozesse, zusammengesetzte Prozesse, Erneuerungsprozesse und Poisson-Prozesse. Zentrales Thema ist die Bestimmung der Ruinwahrscheinlichkeit des Versicherers. In diesem Zusammenhang werden analytische Loesungen, asymptotische Approximationen sowie numerische Algorithmen wie die Monte-Carlo-Simulation vorgestellt. Gute Grundkenntnisse in der Wahrscheinlichkeitstheorie werden vorausgesetzt, doch ein Anhang mit den wichtigsten Resultaten erleichtert die Lekture dieses Buches. Das Buch ist geeignet fur fortgeschrittene Bachelor- oder Masterstudierende der Mathematik oder Statistik mit entsprechender Vertiefungsrichtung. Daruber hinaus richtet es sich an Kandidaten, die das Diplom der Schweizerischen Aktuarvereinigung (SAV) erwerben oder sich auf das Diplom der Society of Actuaries (SOA) vorbereiten moechten. Auch praktizierende Versicherungsmathematiker, die ihre technischen Kenntnisse vertiefen wollen, werden angesprochen. Die vorliegende zweite Auflage enthalt theoretische Erganzungen, insbesondere Resultate uber die Fluktuationen der Summe und der zusammengesetzten Summe, d.h. des Gesamtschadensbetrages einer Periode. Daruber hinaus erleichtern nun neue Aufgaben verschiedener Schwierigkeitsgrade und mit ausfuhrlichen Loesungen das Selbststudium.