具体描述
风险保险导论
（第六版）
这是一本比较全面地介绍风险管理和保险的书籍。作者曾教授该课
程28年。全书分六个部分，分别介绍了风险管理和保险的基础知识，
保险行业，保险合同的相关知识，私人保险系统、寿险、人身安全险
和年金保险，以及公共保险。
本书特点是：一、逻辑严谨，系统性强。书中对风险的界定及管理、
保险的原理和实务等内容做了充分阐述，对相关范畴的内涵和外延进行了
深入浅出的表述，表现出极强的逻辑性；二、联系实际，可操作性强。书
中配以大量的实例，突出了其现实性；三、吸收了该学科领域中许多最新
的研究成果，内容新颖；四、重点突出，对有些问题的论述极具可读性。
本书可作为各经管院校中保险课程的本科生及研究生教材，同时对
从事保险研究和实务操作的人员具有很好的指导价值。
作者简介
目录信息
Contents
1111
Preface xiii
Chapter 1 FUNDAMENTALS AND TERMINOLOGY
Chapter Objectives
Introduction
Insurance Defined Financial Definition Legal Definition Loss, Chance of
Loss, Peril, Hazard, and Proximate Cause Loss ChanceofLoss Peril and
Hazard Proximate Cause Risk Risk Management The Mathematical
Basis for Insurance A Mathematical Example of an Insurance System's
Operations Building Blocks of an Insurance Premium Four Basic
Components Cash Flow Underwriting The Benefits and Costs to Society
of Insurance Systems Costs Benefits Arson: Who Really Pays for
Insnred Losses Summary Review Terms Review Discussion
Questions Research Assignment Suggestions for Further Study 18
Chapter2 INSURABLE LOSS EXPOSURES
Chapter Objectives
Introduction
Gambling and Speculative Risks Ideally Insurable Loss Exposures
A Large Group of Similar Units Exposed to the Same PeriKs) Losses Must be
Accidental and Beyond the Insured's Control Losses Must be Definite,
Measurable, and of Sufficient Severity to Cause Economic Hardship
Catastrophic Losses When Only the People Most Exposed to Loss Want
Coverage, Insurance Becomes Unfeasible Risk Classification
Subsidization Adverse Selection Principles ofRisk Classification
Important Social Issues AIDS (Acquired Immune Deficiency Syndrome)
Automobile Insurance Pension Benefits Conclusion Branches of
Insurance Summary Review Terms Review Discussion
Questions Research Assignment Suggestionsfor Further Study
Chapter 3 RISK MANAGEMENT 1: ESSENTIALS
Chapter Objectives
Introduction
The Risk Management Function Risk Management Staff Statement of
Objectives and Principles The Risk Management Process Step One:
Identification and Measurement of Exposures Direct Property Losses
Loss oflncome Liability Losses Loss ofKey Personnel Estimation of
Maximum Loss Emergency Planning-Disastor Recovery Step Two: Loss
Control and Risk Financing Loss Control Risk Financing Step
Three: Regular Review of the Risk Management Program Chicago Tunnel
Collapse: A Risk Management Problem Summary Review Terms
Review Research Assignment: Case Study Suggestions for Further
Study Appendix: Personal Risk Management
Chapter 4 RISK MANAGEMENT 2: ADVANCED TOPICS
Chapter Objectives
Introduction
Risk Management Information Systems (RMIS) Loss Data Other
Information Deductibles and Policy Limits Financial and Other
Considerations British Petroleum: A Case Study Intemational Risk
Management Identification and Measurement of Exposures Development
and Implementation ofPlans Regular Review and Evaluation Foreign
Insurance Financial Risk Management Summary Review
Terms Review Discussion Questions Research Assignment
Suggestions for Further Study Case Study: Blue Star Airlines
Introduction The Story The Risk Management Process Facts and
Assumptions Assignment
Chapter 5 PRIVATE INSURANCE COMPANIES
Chapter Objectives
Introduction
Two Different Types of Insurance Companies Mutual Insurance
Companies Stock Insurance Companies Stock Versus Mutual: A
Consumer's Viewpoint Demutualization Lloyd's of London
Lloyd's ofLondon Is an Insurance Market Lloyd's History Typical
Transaction Lloyd's and the Risk Management Function American
Lloyds Other Legal Forms of Insurance Companies The Reciprocal
Exchange Fratemal Insurers Savings Bank Life Insurance Blue
Cross and Blue Shield Health Maintenance Organizations (HMOs) and
Preferred Provider Organizations (PPOs) Industrial Organization
Insurance Industry Summary Review Terms Review
Discussion Questions Research Assignment Suggestions for
Further Study Appendix: Insurance and Private Enterprise: The Potential
for Eastern Europe Introduction Why Insurance? Why Private
Insurance? Competition and Efficiency Essential Requirements of a Free
Enterprise (Capitalist) System The Requirements ofa Private Insurance
System Difficulties Starting a Private Insurance System in Eastern Europe
The Future
Chapter 6 INSURANCEOCCUPATIONS
Chapter Objectives
Introduction
Insurance Agents and Brokers Agency Law Insurance Brokers
Licensing Requirements Property and Liability Insurance Agents and
Brokers Life Insurance Agents and Brokers An Insurance Agent's
Duties Loss Adjuster Employees, Independent Adjustment
Bureaus, and Public Adjusters Adjusters Are Agents Underwriter
Property Insurance Underwriting Life Insurance Underwritmg
Underwriting and Privacy Actuary Attomey Finance
Other Occupations Summary Review Terms Review
Discussion Questions Research Assignment Suggestions for
Further Study Appendix: Legal Issues Involving Insurance Agents and
Brokers Case 1 Case 2 Appendix: The Ethical Choice
Introduction Vocabulary Ethical Norms Three Practice Cases
Suggestions for Further Study
Chapter 7 THE INSURANCE MARKET: THE ECONOMIC PROBLEM
Chapter Objectives
Introduction
Economic Theory Supply and Demand Historical Problems The
Insurance Consumer The Consumer's Choice: Company, Agent or Broker,
Policy, Amount, and Price Consumer Protection: The Role of the Courts,
the Law, and the Insurance Commissioner The Courts The Law
The Insurance Commissioner Summary Review Terms
Review Discussion Questions Research Assignment
Suggestions for Further Study Appendix: Further Consideration of
Supply and Demand Elasticity of Supply and Demandfor Insurance
Shifting Supply and Demand Curves 170
Chapter 8 INSURANCE REGULATION
Chapter Objectives
Introduction
Insurance Regulation The Reasons for Insurance Regulation
Solvency Unequal Knowledge and Bargaimng Power Prices
Promotion ofSocial Goals The History of Insurance Regulation Paul
v. Virginia Armstrong and Merritt Investigations South-Eastern
Underwriters Association (SEUA) The McCarran Act State or Federal
Regulation? State Insurance Regulation The National Association of
Insurance Commissioners (NAIC) Repeal of P.L.-15 Both Sides ofthe
Argument Regulated Activities Legal Reserves and Surplus
Regular Audits and Solvency Testing Guaranty Funds Rate
Regulations Investment Activities Policy Form Approval and Expense
Limitations Qualifications or Licensesfor Companies, Agents, Brokers, Loss
Adjusters, and Company Officers Consumer Complaints Taxation
Summary Review Terms Review Discussion Questions
Research Assignment Suggestions for Further Study Appendix:
The McCarran Act (P.L.-15)
Chapter 9 INSURANCE CONTRACTS
Chapter Objectives
Introduction
Contract Terminology Binder Conditional Receipt Elements of
a Valid Contract Offer and Acceptance Consideration
Capacity Legal Purpose Distinguishing Characteristics of Insurance
Contracts Principle ofIndemnity Insurable Interest ActualCash
Value Subrogation Contract ofAdhesion The Personal Feature
Utmost Good Faith (Latin: Uberrimae Fidei) The Entire Contract and
Incontestability Clauses The Aleatory Feature Discharge of Insurance
Contracts Summary Review Terms Review Research
Assignment Suggestions for Further Study Appendix: Cases for
Dscussion Material Misrepresentation Contract of Adhesion: The
Metpath Case Breach ofWarranty: General Chicken Case
Chapter 10 BASIC PROPERTY AND LIABILITY INSURANCE CONTRACTS
Chapter Objectives
Iritroduction
Standard Policies Basic Parts of an Insurance Policy
Declarations Insuring Agreement Deductibles Definitions
Exclusions Endorsements Conditions Fraud Suspension of
Coverage Cancellation Other Insurance Duties After a Loss
Appraisal Salvage Claims Payment Conclusion
Summary Review Terms: Review Case for Discussion:
Vacancy Clause Research Assignment Suggestions for Further
Study 235
Chapter 11 HOMEOWNERS INSURANCE
Chapter Objectives
Introduction
A General Description of the HO Insurance Policies Policy Layout
Declarations Definitions Section 1-Property Coverages
Additional Coverage Section 1--Perils Insured Against in the Broad
Form,HO-2 Specified Perils HO-2: Section 1-Exclusions
Ordinance-or-Law Exclusion Other Exclusions Section 1--
Conditions Loss Settlement Replacement Cost and Coinsurance
Reasonsfor the Coinsurance Requirement Mortgage Clause Section
2--Liability Coverages Section 2--Exclusions Claims Not Couered
Arisingfrom Bqdily Injury or Property Damage , Sections 1 and 2--
Conditions Endorsements Reduction of Insurance Resulting from
Previous Losses Summary Review Terms Review
Practice Questions Research Assignment Suggestions for Further
Study Appendix: Buying Homeowners Insurance 264
Chapter 12 THE PERSONAL AUTO POLICY
Chapter Objectives
Introduction
The Tort Liability System and Automobile Insurance: A Review Case The
Personal Auto Policy Layout Definitions Part A--Liability Limit
ofLiability Insureds Exclusions Part B--Medical Payments
Part C--Uninsured Motorist Coverage Coverage under the PAP
Contact or No-Contact Rules The State's Response to Uninsured Motorists
Underinsured Motorists Part D--Damage to Your Auto Loss
Settlement Part E--Duties After an Accident or Loss Part F--General
Provisions Summary Review Terms Review Practice
Questions Research Assignment Suggestions for Further Study
Chapter 13 COMMERCIAL PROPERTY INSURANCE
Chapter Objectives
Introduction
Commercial Insurance Commercial and Personal Property Ihsurahce
Property and Marine (Transportation) Insurance Commercial Package Policy
The Insurance Services Office (ISO) Building and Personal Property
Form Property Covered Property Excludedfrom Coverage Perils
Covered Fire Insurance History Definition ofFire Reporting Formts
Business Income Coverage Additional Forms Property Insurance
Rating Transportation Insurance Ocean Marine Insurance Inldnd
Marine Insurance Aviation Insurance Automobile Property Insurance
Business Automobile Insurance Summary Review Terms
Review Discussion Questions Research Assignments
Suggestions for Further Study
Chapter 14 GENERAL LIABILITY INSURANCE
Chapter Objectives
Introduction
Legal Background CategoriesofTorts (Civil Wrongs) Negligerice
Lawsuits Establishing Negligence and Damages Defenses in a Negligence
Suit The Relationship Between Negligence and Legal Liability Insurance
Questions ofFact Legal Judgements Ethics and Liability Insurance
Social Host Liquor Liability: An Example The Facts Categories
of Liability Insurance Business General Luability Insurance Business
Liability Umbrella Policies Automobile Liability Insurance Summary
Review Terms Review Discussion Questions Case for
Discussion Research Assignment Suggestions for Further Study 328
Chapter 15 SPECIAL LIABILITY INSURANCE
Chapter Objectives
Introduction
Claims-Made and Occurrehce Policies Claims-Made Policies Occurrence-
Basis Policies Environmental Impairment Liability Insurance History
Risk Management Strategy Insurance Principles and EIL Coverage
Products Liability Insurance Risk Management Strategy The Continuing
Controversy Professional Liability Insurance Wfut Is a Professional?
Coverage Clause Claims Settlement Types of Professional Liability
Coverage Employment Practices Liability Americans with Disabilities Act
(ADA) Nuclear Liability Insurance Summary Review Terms
Review Discussion Questions Research Assignments
Suggestions for Further Study Appendix Case Study: Sexual
Harassment Case Study: Americans with Disabilities Act (ADA) 353
Chapter 16 BONDING, CRIME INSURANCE, AND REINSURANCE
Chapter Objectives
Introduction
Surety Bonding Introductory Terminology The Reasons for Surety
Bonding The Uifference Between Suretyship and Insurance Underwriting
Bonds Types of Bonds Crime Insurance Reinsurance
Introductory Terminology Reinsurance Arrangements Reinsurance
Coverage Reasons for Reinsurance Reinsurance and Risk Management
Providers of Reinsurance Concluding Comments Summary
Review Terms Review Discussion Questions Research
Assignment Suggestions for Further Study 368
Chapter 17 LIFE INSURANCE POLICIES
Chapter Objectives
Introduction
Three Ways Life Insurance Is Distributed Group Life Insurance
Industrial Life Insurance Individual Life Insurance Term Insurance
Types of Term Life Insurance Uses of Term Life Insurance Whole Life
Insurance Cash Values Types of Whole Life Policies The Uses of
Whole Life Insurance Reasonsfor Saving with Life Insurance A Whole Life
Ledger Sheet Buy Term and Invest the Difference: The Consumer's
Viewpoint Universal Life Insurance Universal Life Insurance Policies
Universal Life Insurance Death Benefits Uses of Universal Life Insurance
Ledger Sheetfor Universal Life Insurance Variable Life Insur'ance
Summary Review Terms Review Discussion Questions
Research Assignment Suggestions for Further Study Appendix
Endowment Life Insurance 391
Chapterl8 ANNUITIES
Chapter Objectives
Introduction 394
Definitions Classification of Annuities Method ofPremium
Payment Beginning of Benefits Promises Purchased Number of
Annuitants Determination of Annuity Benefits Uses of
Annuities Types of Benefits Taxation of Annuities Withdrawal
before Liquidation Withdrawals in Liquidation Summary Review
Terms Review Discussion Questions Research
Assignment Suggestions for Further Study 406
Chapter 19 LIFE INSURANCE PLANNING
Chapter Objectives
Introduction
The Economic Value of the Human Life The Needs-Based Purchase of
Life Insurance Life Insurance Planning Planning Process The
Early Adult Years Life Insurance Planning: A Case Study Insurance for
Wiues, Children, and College Students Life Insurance Planning: The Middle
Years Life Insurance Plahning: The Later Years Wills Federal
Estate Tax Business Uses of Life Irisurance Funding Business
Continuation Agreements with Life Insurance The Taxation of Life
Insurance Death Proceeds Living Benefits: Dividends, Savings, and
Accelerated Death Benefits Summary Review Terms
Review Discussion Questions Research Assignment Facts and
Data Suggestions for Further Study
The
Chapter 20 STANDARD LIFE INSURANCE CONTRACT PROVISIONS
ANDOPTIONS
Chapter Objectives
Introduction
Insured, Owner, and Beneficiary Beneficiary Designation General
Life Insurance Policy Provisions Grace Period The Reinstatement
Provision The Incontestable Clause he Entire-Contract Proviswn
Misstatement-of-Age Provision Annual Apportionment of Divisible Surplus
The Suicide Clause and Other Restrictive Clauses Four Options Providing the
Insured with Choices Dividend Options Nonfbrfeifure Options
Policyholder Loans Settlement Options Available Riders and Options
The Guaranteed-Insurability Option The Waiver-of-Premium Option The
Double-Indemnity Option Summary Review Terms Review
Discussion Questions Research Assignment Suggestions for Further
Study 445
Chapter 21 SIMPLIFIED LIFE INSURANCE MATHEMATICS
Chapter Objectives
Introduction
Mortality Tables The 1980CSO Other Mortality Tables Interpretation
ofMortality Tables Some Simplifying Assumptions Single-Prenuum,
One-Year Term Insurance Smgle-Premium, Five-Year Term Insurance
Single-Premium, Whole Life Insurance Leveling the Whole Life Premium
The Cost of Life Insurance and Sales Illustrations A Complex Issue
Traditional Calculation Interest-Adjnsted Method The Sales Illustration
Controversy Summary Review Terms Review Research
Assignment Suggestions for Further Study
Chapter 22 MEDICAL EXPENSE AND DISABILITY INSURANCE
Chapter Objectives
Intrpduction
Background Information Increasing Health Care Costs Medical
Inflation Cost Containment Conunon Contract Provisions Entire
Contract Grace Period Reinstatement Incontestable Clause
Claims Physical Exam and Autopsy Legal Action Change of
Beneficiary Optional Contract Provisions Definitions and Exclusions
Five Kinds of Health Insurance Coverage Basic Medical Expense
Insurance Major Medical Insurance Disability Income Inswance
Medicare Supplement Insurance Long-Term Care Insurance
Demographics The Financial Problem Long-Term Care Policy
Development The Continuing Debate Health Insurance Providers
Summary Review Terms Review Discussion Questions
Research Assignment Suggestions for Further Study
Chapter 23 EMPLOYEE BENEFITS
Chapter Objectives
Introduction
The Goals of the Govemment, Employer, and Employee The Gauemment
The Employer The Employee Insured Employee Benefits
Qualification Rules General Features Group Life Insurance Group
Disability Income Insurance Long-Term Disability Group Health
Insurance Social Problems Health Insurance Providers Health
Insurance Contracts General Provisions ofGroup Health Inswance Contracts
Two Federal Regulations Insured Pension Plans Introduction
Requirements for QuaUfied Plans Federal Regulation ofPension Plans The
Role of Insurance in Pension Plans Profit-Sharmg, 401(k), 4030(b), Keogh, and
Cafeteria Plans Profit.-Sharing Plans 401(k) Plans 403(b) Plans or
Tax-Deferred Annuities (TDAs) Keogh Plans Cafeteria Plans
Individual Retirement Account (IRA) EHgibility for Deductible Contributions
Investment Alternative Rollovers Taxation Summary
Review Terms Review Discussion Questions Research
Assignment Suggestions for Further Study Appendix: Tax Deferral
The Advantages of Tax Deferral
Chapter24 SOCIAL SECURITY
Chapter Objectives
Introduction
Social Insurance Background The History and Philosophy of the American Social
Security System Social Security Js Not a Public Assistance Program Social
Security and Private Insurance Are Different Social Security Is an Insurance System
The Operation of the Social Security Program The Program Is
Compulsory for Almost Every Worker A Tax on Wages Is the Main Source ofFunds
Benefits Are Not Fully Funded Insured Statns and Eligibility for Benefits
Qnarters ofCoverage Calculationof Benefits Categories of Benefits
Retirement Benefits Survivor Benefits Disability Benefits Medicare
(Health Insurancefor the Aged and Disabled) some Current Issues Facing the
Social Security System Will Social Security "Be There"for Young and Middle-
Aged Americans? The Social Security Surplus and the Federal Deficit Other
Criticism Summary ReviewTerms Review Discussion
Questions Research Assignment Suggestions for Further Study
Chapter 25 UNEMPLOYMENT AND WORKERS' COMPENSATION INSURANCE
Chapter Objectives
Introduction
Unemployment Insurance Some Background Information Operations
ofthe Unemployment Insurance Program 1s Unemployment Insurance Really
Insurance? General Provisions ofState Programs Summary-
Unemployment Insurance Workers' Compensation The Problem
The Solution The Purposes of Workers' Compensation Laws Operations of
Workers' Compensation Systems Current Concerns About Workers'
Compensation Summary-Worker's Compensation, Review Terms
Review Discussion Questions Research Assignment
Suggestions for Further Study
Glossary
Appendix A: Homeowner's Insurance Policy
Appendix B: Personal Auto Policy
Appendix C: Sample Whole Life Insurance Policy and Application
Index
· · · · · · (收起)
1111
Preface xiii
Chapter 1 FUNDAMENTALS AND TERMINOLOGY
Chapter Objectives
Introduction
Insurance Defined Financial Definition Legal Definition Loss, Chance of
Loss, Peril, Hazard, and Proximate Cause Loss ChanceofLoss Peril and
Hazard Proximate Cause Risk Risk Management The Mathematical
Basis for Insurance A Mathematical Example of an Insurance System's
Operations Building Blocks of an Insurance Premium Four Basic
Components Cash Flow Underwriting The Benefits and Costs to Society
of Insurance Systems Costs Benefits Arson: Who Really Pays for
Insnred Losses Summary Review Terms Review Discussion
Questions Research Assignment Suggestions for Further Study 18
Chapter2 INSURABLE LOSS EXPOSURES
Chapter Objectives
Introduction
Gambling and Speculative Risks Ideally Insurable Loss Exposures
A Large Group of Similar Units Exposed to the Same PeriKs) Losses Must be
Accidental and Beyond the Insured's Control Losses Must be Definite,
Measurable, and of Sufficient Severity to Cause Economic Hardship
Catastrophic Losses When Only the People Most Exposed to Loss Want
Coverage, Insurance Becomes Unfeasible Risk Classification
Subsidization Adverse Selection Principles ofRisk Classification
Important Social Issues AIDS (Acquired Immune Deficiency Syndrome)
Automobile Insurance Pension Benefits Conclusion Branches of
Insurance Summary Review Terms Review Discussion
Questions Research Assignment Suggestionsfor Further Study
Chapter 3 RISK MANAGEMENT 1: ESSENTIALS
Chapter Objectives
Introduction
The Risk Management Function Risk Management Staff Statement of
Objectives and Principles The Risk Management Process Step One:
Identification and Measurement of Exposures Direct Property Losses
Loss oflncome Liability Losses Loss ofKey Personnel Estimation of
Maximum Loss Emergency Planning-Disastor Recovery Step Two: Loss
Control and Risk Financing Loss Control Risk Financing Step
Three: Regular Review of the Risk Management Program Chicago Tunnel
Collapse: A Risk Management Problem Summary Review Terms
Review Research Assignment: Case Study Suggestions for Further
Study Appendix: Personal Risk Management
Chapter 4 RISK MANAGEMENT 2: ADVANCED TOPICS
Chapter Objectives
Introduction
Risk Management Information Systems (RMIS) Loss Data Other
Information Deductibles and Policy Limits Financial and Other
Considerations British Petroleum: A Case Study Intemational Risk
Management Identification and Measurement of Exposures Development
and Implementation ofPlans Regular Review and Evaluation Foreign
Insurance Financial Risk Management Summary Review
Terms Review Discussion Questions Research Assignment
Suggestions for Further Study Case Study: Blue Star Airlines
Introduction The Story The Risk Management Process Facts and
Assumptions Assignment
Chapter 5 PRIVATE INSURANCE COMPANIES
Chapter Objectives
Introduction
Two Different Types of Insurance Companies Mutual Insurance
Companies Stock Insurance Companies Stock Versus Mutual: A
Consumer's Viewpoint Demutualization Lloyd's of London
Lloyd's ofLondon Is an Insurance Market Lloyd's History Typical
Transaction Lloyd's and the Risk Management Function American
Lloyds Other Legal Forms of Insurance Companies The Reciprocal
Exchange Fratemal Insurers Savings Bank Life Insurance Blue
Cross and Blue Shield Health Maintenance Organizations (HMOs) and
Preferred Provider Organizations (PPOs) Industrial Organization
Insurance Industry Summary Review Terms Review
Discussion Questions Research Assignment Suggestions for
Further Study Appendix: Insurance and Private Enterprise: The Potential
for Eastern Europe Introduction Why Insurance? Why Private
Insurance? Competition and Efficiency Essential Requirements of a Free
Enterprise (Capitalist) System The Requirements ofa Private Insurance
System Difficulties Starting a Private Insurance System in Eastern Europe
The Future
Chapter 6 INSURANCEOCCUPATIONS
Chapter Objectives
Introduction
Insurance Agents and Brokers Agency Law Insurance Brokers
Licensing Requirements Property and Liability Insurance Agents and
Brokers Life Insurance Agents and Brokers An Insurance Agent's
Duties Loss Adjuster Employees, Independent Adjustment
Bureaus, and Public Adjusters Adjusters Are Agents Underwriter
Property Insurance Underwriting Life Insurance Underwritmg
Underwriting and Privacy Actuary Attomey Finance
Other Occupations Summary Review Terms Review
Discussion Questions Research Assignment Suggestions for
Further Study Appendix: Legal Issues Involving Insurance Agents and
Brokers Case 1 Case 2 Appendix: The Ethical Choice
Introduction Vocabulary Ethical Norms Three Practice Cases
Suggestions for Further Study
Chapter 7 THE INSURANCE MARKET: THE ECONOMIC PROBLEM
Chapter Objectives
Introduction
Economic Theory Supply and Demand Historical Problems The
Insurance Consumer The Consumer's Choice: Company, Agent or Broker,
Policy, Amount, and Price Consumer Protection: The Role of the Courts,
the Law, and the Insurance Commissioner The Courts The Law
The Insurance Commissioner Summary Review Terms
Review Discussion Questions Research Assignment
Suggestions for Further Study Appendix: Further Consideration of
Supply and Demand Elasticity of Supply and Demandfor Insurance
Shifting Supply and Demand Curves 170
Chapter 8 INSURANCE REGULATION
Chapter Objectives
Introduction
Insurance Regulation The Reasons for Insurance Regulation
Solvency Unequal Knowledge and Bargaimng Power Prices
Promotion ofSocial Goals The History of Insurance Regulation Paul
v. Virginia Armstrong and Merritt Investigations South-Eastern
Underwriters Association (SEUA) The McCarran Act State or Federal
Regulation? State Insurance Regulation The National Association of
Insurance Commissioners (NAIC) Repeal of P.L.-15 Both Sides ofthe
Argument Regulated Activities Legal Reserves and Surplus
Regular Audits and Solvency Testing Guaranty Funds Rate
Regulations Investment Activities Policy Form Approval and Expense
Limitations Qualifications or Licensesfor Companies, Agents, Brokers, Loss
Adjusters, and Company Officers Consumer Complaints Taxation
Summary Review Terms Review Discussion Questions
Research Assignment Suggestions for Further Study Appendix:
The McCarran Act (P.L.-15)
Chapter 9 INSURANCE CONTRACTS
Chapter Objectives
Introduction
Contract Terminology Binder Conditional Receipt Elements of
a Valid Contract Offer and Acceptance Consideration
Capacity Legal Purpose Distinguishing Characteristics of Insurance
Contracts Principle ofIndemnity Insurable Interest ActualCash
Value Subrogation Contract ofAdhesion The Personal Feature
Utmost Good Faith (Latin: Uberrimae Fidei) The Entire Contract and
Incontestability Clauses The Aleatory Feature Discharge of Insurance
Contracts Summary Review Terms Review Research
Assignment Suggestions for Further Study Appendix: Cases for
Dscussion Material Misrepresentation Contract of Adhesion: The
Metpath Case Breach ofWarranty: General Chicken Case
Chapter 10 BASIC PROPERTY AND LIABILITY INSURANCE CONTRACTS
Chapter Objectives
Iritroduction
Standard Policies Basic Parts of an Insurance Policy
Declarations Insuring Agreement Deductibles Definitions
Exclusions Endorsements Conditions Fraud Suspension of
Coverage Cancellation Other Insurance Duties After a Loss
Appraisal Salvage Claims Payment Conclusion
Summary Review Terms: Review Case for Discussion:
Vacancy Clause Research Assignment Suggestions for Further
Study 235
Chapter 11 HOMEOWNERS INSURANCE
Chapter Objectives
Introduction
A General Description of the HO Insurance Policies Policy Layout
Declarations Definitions Section 1-Property Coverages
Additional Coverage Section 1--Perils Insured Against in the Broad
Form,HO-2 Specified Perils HO-2: Section 1-Exclusions
Ordinance-or-Law Exclusion Other Exclusions Section 1--
Conditions Loss Settlement Replacement Cost and Coinsurance
Reasonsfor the Coinsurance Requirement Mortgage Clause Section
2--Liability Coverages Section 2--Exclusions Claims Not Couered
Arisingfrom Bqdily Injury or Property Damage , Sections 1 and 2--
Conditions Endorsements Reduction of Insurance Resulting from
Previous Losses Summary Review Terms Review
Practice Questions Research Assignment Suggestions for Further
Study Appendix: Buying Homeowners Insurance 264
Chapter 12 THE PERSONAL AUTO POLICY
Chapter Objectives
Introduction
The Tort Liability System and Automobile Insurance: A Review Case The
Personal Auto Policy Layout Definitions Part A--Liability Limit
ofLiability Insureds Exclusions Part B--Medical Payments
Part C--Uninsured Motorist Coverage Coverage under the PAP
Contact or No-Contact Rules The State's Response to Uninsured Motorists
Underinsured Motorists Part D--Damage to Your Auto Loss
Settlement Part E--Duties After an Accident or Loss Part F--General
Provisions Summary Review Terms Review Practice
Questions Research Assignment Suggestions for Further Study
Chapter 13 COMMERCIAL PROPERTY INSURANCE
Chapter Objectives
Introduction
Commercial Insurance Commercial and Personal Property Ihsurahce
Property and Marine (Transportation) Insurance Commercial Package Policy
The Insurance Services Office (ISO) Building and Personal Property
Form Property Covered Property Excludedfrom Coverage Perils
Covered Fire Insurance History Definition ofFire Reporting Formts
Business Income Coverage Additional Forms Property Insurance
Rating Transportation Insurance Ocean Marine Insurance Inldnd
Marine Insurance Aviation Insurance Automobile Property Insurance
Business Automobile Insurance Summary Review Terms
Review Discussion Questions Research Assignments
Suggestions for Further Study
Chapter 14 GENERAL LIABILITY INSURANCE
Chapter Objectives
Introduction
Legal Background CategoriesofTorts (Civil Wrongs) Negligerice
Lawsuits Establishing Negligence and Damages Defenses in a Negligence
Suit The Relationship Between Negligence and Legal Liability Insurance
Questions ofFact Legal Judgements Ethics and Liability Insurance
Social Host Liquor Liability: An Example The Facts Categories
of Liability Insurance Business General Luability Insurance Business
Liability Umbrella Policies Automobile Liability Insurance Summary
Review Terms Review Discussion Questions Case for
Discussion Research Assignment Suggestions for Further Study 328
Chapter 15 SPECIAL LIABILITY INSURANCE
Chapter Objectives
Introduction
Claims-Made and Occurrehce Policies Claims-Made Policies Occurrence-
Basis Policies Environmental Impairment Liability Insurance History
Risk Management Strategy Insurance Principles and EIL Coverage
Products Liability Insurance Risk Management Strategy The Continuing
Controversy Professional Liability Insurance Wfut Is a Professional?
Coverage Clause Claims Settlement Types of Professional Liability
Coverage Employment Practices Liability Americans with Disabilities Act
(ADA) Nuclear Liability Insurance Summary Review Terms
Review Discussion Questions Research Assignments
Suggestions for Further Study Appendix Case Study: Sexual
Harassment Case Study: Americans with Disabilities Act (ADA) 353
Chapter 16 BONDING, CRIME INSURANCE, AND REINSURANCE
Chapter Objectives
Introduction
Surety Bonding Introductory Terminology The Reasons for Surety
Bonding The Uifference Between Suretyship and Insurance Underwriting
Bonds Types of Bonds Crime Insurance Reinsurance
Introductory Terminology Reinsurance Arrangements Reinsurance
Coverage Reasons for Reinsurance Reinsurance and Risk Management
Providers of Reinsurance Concluding Comments Summary
Review Terms Review Discussion Questions Research
Assignment Suggestions for Further Study 368
Chapter 17 LIFE INSURANCE POLICIES
Chapter Objectives
Introduction
Three Ways Life Insurance Is Distributed Group Life Insurance
Industrial Life Insurance Individual Life Insurance Term Insurance
Types of Term Life Insurance Uses of Term Life Insurance Whole Life
Insurance Cash Values Types of Whole Life Policies The Uses of
Whole Life Insurance Reasonsfor Saving with Life Insurance A Whole Life
Ledger Sheet Buy Term and Invest the Difference: The Consumer's
Viewpoint Universal Life Insurance Universal Life Insurance Policies
Universal Life Insurance Death Benefits Uses of Universal Life Insurance
Ledger Sheetfor Universal Life Insurance Variable Life Insur'ance
Summary Review Terms Review Discussion Questions
Research Assignment Suggestions for Further Study Appendix
Endowment Life Insurance 391
Chapterl8 ANNUITIES
Chapter Objectives
Introduction 394
Definitions Classification of Annuities Method ofPremium
Payment Beginning of Benefits Promises Purchased Number of
Annuitants Determination of Annuity Benefits Uses of
Annuities Types of Benefits Taxation of Annuities Withdrawal
before Liquidation Withdrawals in Liquidation Summary Review
Terms Review Discussion Questions Research
Assignment Suggestions for Further Study 406
Chapter 19 LIFE INSURANCE PLANNING
Chapter Objectives
Introduction
The Economic Value of the Human Life The Needs-Based Purchase of
Life Insurance Life Insurance Planning Planning Process The
Early Adult Years Life Insurance Planning: A Case Study Insurance for
Wiues, Children, and College Students Life Insurance Planning: The Middle
Years Life Insurance Plahning: The Later Years Wills Federal
Estate Tax Business Uses of Life Irisurance Funding Business
Continuation Agreements with Life Insurance The Taxation of Life
Insurance Death Proceeds Living Benefits: Dividends, Savings, and
Accelerated Death Benefits Summary Review Terms
Review Discussion Questions Research Assignment Facts and
Data Suggestions for Further Study
The
Chapter 20 STANDARD LIFE INSURANCE CONTRACT PROVISIONS
ANDOPTIONS
Chapter Objectives
Introduction
Insured, Owner, and Beneficiary Beneficiary Designation General
Life Insurance Policy Provisions Grace Period The Reinstatement
Provision The Incontestable Clause he Entire-Contract Proviswn
Misstatement-of-Age Provision Annual Apportionment of Divisible Surplus
The Suicide Clause and Other Restrictive Clauses Four Options Providing the
Insured with Choices Dividend Options Nonfbrfeifure Options
Policyholder Loans Settlement Options Available Riders and Options
The Guaranteed-Insurability Option The Waiver-of-Premium Option The
Double-Indemnity Option Summary Review Terms Review
Discussion Questions Research Assignment Suggestions for Further
Study 445
Chapter 21 SIMPLIFIED LIFE INSURANCE MATHEMATICS
Chapter Objectives
Introduction
Mortality Tables The 1980CSO Other Mortality Tables Interpretation
ofMortality Tables Some Simplifying Assumptions Single-Prenuum,
One-Year Term Insurance Smgle-Premium, Five-Year Term Insurance
Single-Premium, Whole Life Insurance Leveling the Whole Life Premium
The Cost of Life Insurance and Sales Illustrations A Complex Issue
Traditional Calculation Interest-Adjnsted Method The Sales Illustration
Controversy Summary Review Terms Review Research
Assignment Suggestions for Further Study
Chapter 22 MEDICAL EXPENSE AND DISABILITY INSURANCE
Chapter Objectives
Intrpduction
Background Information Increasing Health Care Costs Medical
Inflation Cost Containment Conunon Contract Provisions Entire
Contract Grace Period Reinstatement Incontestable Clause
Claims Physical Exam and Autopsy Legal Action Change of
Beneficiary Optional Contract Provisions Definitions and Exclusions
Five Kinds of Health Insurance Coverage Basic Medical Expense
Insurance Major Medical Insurance Disability Income Inswance
Medicare Supplement Insurance Long-Term Care Insurance
Demographics The Financial Problem Long-Term Care Policy
Development The Continuing Debate Health Insurance Providers
Summary Review Terms Review Discussion Questions
Research Assignment Suggestions for Further Study
Chapter 23 EMPLOYEE BENEFITS
Chapter Objectives
Introduction
The Goals of the Govemment, Employer, and Employee The Gauemment
The Employer The Employee Insured Employee Benefits
Qualification Rules General Features Group Life Insurance Group
Disability Income Insurance Long-Term Disability Group Health
Insurance Social Problems Health Insurance Providers Health
Insurance Contracts General Provisions ofGroup Health Inswance Contracts
Two Federal Regulations Insured Pension Plans Introduction
Requirements for QuaUfied Plans Federal Regulation ofPension Plans The
Role of Insurance in Pension Plans Profit-Sharmg, 401(k), 4030(b), Keogh, and
Cafeteria Plans Profit.-Sharing Plans 401(k) Plans 403(b) Plans or
Tax-Deferred Annuities (TDAs) Keogh Plans Cafeteria Plans
Individual Retirement Account (IRA) EHgibility for Deductible Contributions
Investment Alternative Rollovers Taxation Summary
Review Terms Review Discussion Questions Research
Assignment Suggestions for Further Study Appendix: Tax Deferral
The Advantages of Tax Deferral
Chapter24 SOCIAL SECURITY
Chapter Objectives
Introduction
Social Insurance Background The History and Philosophy of the American Social
Security System Social Security Js Not a Public Assistance Program Social
Security and Private Insurance Are Different Social Security Is an Insurance System
The Operation of the Social Security Program The Program Is
Compulsory for Almost Every Worker A Tax on Wages Is the Main Source ofFunds
Benefits Are Not Fully Funded Insured Statns and Eligibility for Benefits
Qnarters ofCoverage Calculationof Benefits Categories of Benefits
Retirement Benefits Survivor Benefits Disability Benefits Medicare
(Health Insurancefor the Aged and Disabled) some Current Issues Facing the
Social Security System Will Social Security "Be There"for Young and Middle-
Aged Americans? The Social Security Surplus and the Federal Deficit Other
Criticism Summary ReviewTerms Review Discussion
Questions Research Assignment Suggestions for Further Study
Chapter 25 UNEMPLOYMENT AND WORKERS' COMPENSATION INSURANCE
Chapter Objectives
Introduction
Unemployment Insurance Some Background Information Operations
ofthe Unemployment Insurance Program 1s Unemployment Insurance Really
Insurance? General Provisions ofState Programs Summary-
Unemployment Insurance Workers' Compensation The Problem
The Solution The Purposes of Workers' Compensation Laws Operations of
Workers' Compensation Systems Current Concerns About Workers'
Compensation Summary-Worker's Compensation, Review Terms
Review Discussion Questions Research Assignment
Suggestions for Further Study
Glossary
Appendix A: Homeowner's Insurance Policy
Appendix B: Personal Auto Policy
Appendix C: Sample Whole Life Insurance Policy and Application
Index
· · · · · · (收起)
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这本书的广度令人印象深刻，它似乎试图勾勒出整个领域的全景地图，从最基础的概率论基石，一直延伸到复杂的监管环境和新兴技术带来的挑战。这种“百科全书式”的覆盖面，意味着它能为跨领域的工作者提供一个绝佳的统一视角。你在书中能找到关于合规框架的详细介绍，紧接着可能就是对复杂衍生品定价模型的简要概述，再然后就会过渡到危机沟通的策略分析。这种内容上的快速切换和巨大的知识跨度，使得读者能够迅速建立起不同子领域之间的关联性，理解风险管理不是孤立的一环，而是贯穿整个组织运营的生命线。然而，这种广博也必然带来了深度上的取舍。在某些被快速带过的特定主题上，篇幅显得捉襟见肘，只能提供一个概述性的介绍，这让那些希望深入钻研某一特定分支的读者感到意犹未尽。但作为入门或拓宽视野的读物，它无疑是一个极其高效的工具箱，提供了足够多的“兴趣点”来引导未来的深造方向。
评分从实战应用的角度来看，这本书的价值在于它提供了一种全局性的、宏观的视野，而不是陷入单一工具的细节泥潭。作者似乎有意避免了对特定软件操作或短期市场热点的过度关注，而是将重点放在了构建一套能够应对长期、系统性不确定性的思维框架上。我最欣赏的是其对“非理性因素”在决策制定中作用的探讨，这部分内容超越了纯粹的量化分析，触及到了组织行为学和心理学的一些交叉领域。它提醒我们，再完美的模型也必须考虑到人的偏差和环境的突变性。这种将“软科学”与“硬数据”相结合的尝试，使得整本书的论述显得更为立体和圆融。不过，也正因为其高度的抽象性和原则性，对于那些急需在下周会议上展示具体风险应对方案的实务人员来说，可能需要自行进行大量的“翻译”工作，将书中的原则转化为可操作的步骤。它教你如何思考，但不会直接告诉你该怎么做，这是一种更高层次的指导。
评分这本书的语言风格简直是教科书的典范，严谨到让人挑不出一点毛病。每一个概念的界定都清晰得仿佛是用激光切割出来的，逻辑链条环环相扣，读起来虽然需要高度集中注意力，但一旦跟上作者的思路，你会发现整个知识体系构建得无比扎实。它不是那种轻松愉快的读物，更像是一部需要耐心啃读的学术专著，字里行间充满了对学科基础的尊重与敬畏。我特别欣赏作者在阐述复杂理论时所展现出的那种不厌其烦的细致，比如对某个经典风险模型的演变过程的追溯，每一个时间节点的修正和理论基础的更迭都被详尽地记录下来。这对于希望打下坚实理论基础的初学者来说，是极其宝贵的财富，因为它提供了超越当前主流观点的历史深度。然而，这种过于学术化的处理方式，也使得某些章节读起来略显枯燥，需要读者具备一定的专业背景或极强的毅力去消化那些密集的术语和公式推导。对于那些期待快速上手应用技巧的读者来说，这本书可能需要更多的耐心去“翻译”其背后的实操意义，但不可否认，它为你铺设的理论基石是极其稳固和可靠的。
评分这本书的行文风格异常具有个人色彩，仿佛作者正坐在我对面，用一种略带批判和反思的语调与我进行着一场深刻的对话。它不满足于仅仅罗列事实和理论，更充满了对行业现状的深刻洞察和对未来趋势的敏锐预判。例如，在讨论新兴风险类别时，作者那种略带忧虑却又充满希望的笔调，让人深切感受到他作为行业资深人士的责任感。这种叙事方式极大地增强了代入感，使得阅读过程充满了情感上的共鸣，而不是冰冷的知识灌输。我发现自己常常因为某个精辟的论断而停下来，反复咀嚼其背后的深层含义。这种文风的优势在于极大地激发了读者的批判性思维和自我探索的欲望，它不是给出标准答案，而是提出更尖锐的问题。唯一的“缺点”或许是，对于追求纯粹客观叙事的读者而言，这种带有强烈个人观点的表达可能会显得不够“中立”，但对我来说，这种真诚的分享恰恰是它最吸引人的地方。
评分这本书的排版和设计简直让人眼前一亮，它在视觉呈现上做出了许多巧妙的创新，完全打破了我对传统教材的刻板印象。封面设计大胆而富有现代感，内页的色彩搭配和图文布局都经过了深思熟虑，使得冗长的文字段落中穿插的图表和案例分析能够有效地抓住读者的眼球。我尤其赞赏作者和设计团队在引入“情景模拟”模块时所采用的视觉化方式——那些精心绘制的流程图和信息图，将原本抽象的决策过程具象化了，极大地降低了理解的门槛。阅读过程中，我感觉不像是在翻阅一本严肃的专业书籍，更像是在参与一个精心策划的视觉导览。每一次翻页都带来了一种新鲜感，这无疑极大地提升了阅读的愉悦度和持续性。虽然内容本身的深度毋庸置疑，但这种出色的视觉包装，成功地让原本可能让人望而却步的专业知识变得平易近人起来，尤其适合那些对视觉信息处理更敏感的学习者。这种对阅读体验的重视，是很多同类书籍所欠缺的。
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