Journal; Volume 11
This academic journal covers a wide range of topics in the field of insurance. The articles are written by leading experts in the industry, making this journal an essential resource for anyone working in insurance or studying the field.This work has been selected by scholars as being culturally important, and is part of the knowledge base of civilization as we know it.This work is in the "public domain in the United States of America, and possibly other nations. Within the United States, you may freely copy and distribute this work, as no entity (individual or corporate) has a copyright on the body of the work.Scholars believe, and we concur, that this work is important enough to be preserved, reproduced, and made generally available to the public. We appreciate your support of the preservation process, and thank you for being an important part of keeping this knowledge alive and relevant.
Premium Rates And Dividend Investment Estimates
This guidebook was published by the Michigan Mutual Life Insurance Company and provides detailed information on premium rates and dividend investment estimates. This volume is an essential resource for anyone interested in the history of insurance or actuarial scienceThis work has been selected by scholars as being culturally important, and is part of the knowledge base of civilization as we know it.This work is in the "public domain in the United States of America, and possibly other nations. Within the United States, you may freely copy and distribute this work, as no entity (individual or corporate) has a copyright on the body of the work.Scholars believe, and we concur, that this work is important enough to be preserved, reproduced, and made generally available to the public. We appreciate your support of the preservation process, and thank you for being an important part of keeping this knowledge alive and relevant.
The Romance of Life Insurance; its Past, Present and Future, With Particular Reference to the Epochal Investigation era of 1905-1908
Delve into the fascinating world of life insurance and its history in this informative and engaging book. With detailed discussions of the industry's past, present, and future, including a focus on the epochal investigation era of 1905-1908, this book is a must-read for anyone interested in the world of life insurance.This work has been selected by scholars as being culturally important, and is part of the knowledge base of civilization as we know it.This work is in the "public domain in the United States of America, and possibly other nations. Within the United States, you may freely copy and distribute this work, as no entity (individual or corporate) has a copyright on the body of the work.Scholars believe, and we concur, that this work is important enough to be preserved, reproduced, and made generally available to the public. We appreciate your support of the preservation process, and thank you for being an important part of keeping this knowledge alive and relevant.
Causes of Disability as Applied Under Accident and Health Insurance Policies, With Special Chapters on Policy Forms
In this informative book, C.H. Harbaugh explains the ins and outs of accident and health insurance policies and how disability is applied under them. With special chapters focusing on policy forms, readers can gain a better understanding of how to navigate these complex insurance policies. This book is a must-read for anyone looking to better understand accident and health insurance policies.This work has been selected by scholars as being culturally important, and is part of the knowledge base of civilization as we know it.This work is in the "public domain in the United States of America, and possibly other nations. Within the United States, you may freely copy and distribute this work, as no entity (individual or corporate) has a copyright on the body of the work.Scholars believe, and we concur, that this work is important enough to be preserved, reproduced, and made generally available to the public. We appreciate your support of the preservation process, and thank you for being an important part of keeping this knowledge alive and relevant.
Practicing Democracy
Designed as a comprehensive guide for insurance professionals, this book covers all aspects of business insurance. From policy creation and underwriting to claims and risk management, author Charles Harcourt Ainslie ForbesLindsay offers practical advice and real-world examples.This work has been selected by scholars as being culturally important, and is part of the knowledge base of civilization as we know it.This work is in the "public domain in the United States of America, and possibly other nations. Within the United States, you may freely copy and distribute this work, as no entity (individual or corporate) has a copyright on the body of the work.Scholars believe, and we concur, that this work is important enough to be preserved, reproduced, and made generally available to the public. We appreciate your support of the preservation process, and thank you for being an important part of keeping this knowledge alive and relevant.
The Insurance Guide and Hand Book
Cornelius Walford was one of the foremost insurance experts of his time, and this guide to the industry's best practices and professional standards remains a valuable resource for modern readers. Covering a wide range of topics related to life assurance and risk management, this book is an essential reference for anyone working in the field.This work has been selected by scholars as being culturally important, and is part of the knowledge base of civilization as we know it.This work is in the "public domain in the United States of America, and possibly other nations. Within the United States, you may freely copy and distribute this work, as no entity (individual or corporate) has a copyright on the body of the work.Scholars believe, and we concur, that this work is important enough to be preserved, reproduced, and made generally available to the public. We appreciate your support of the preservation process, and thank you for being an important part of keeping this knowledge alive and relevant.
Cracking the Sat With 8 Practice Tests & Dvd, 2014
This journal provides insightful articles on risk management, insurance, and related topics. The publication is geared towards professionals in the insurance industry, but also offers valuable information for anyone interested in these fields.This work has been selected by scholars as being culturally important, and is part of the knowledge base of civilization as we know it.This work is in the "public domain in the United States of America, and possibly other nations. Within the United States, you may freely copy and distribute this work, as no entity (individual or corporate) has a copyright on the body of the work.Scholars believe, and we concur, that this work is important enough to be preserved, reproduced, and made generally available to the public. We appreciate your support of the preservation process, and thank you for being an important part of keeping this knowledge alive and relevant.
Flip It
This book is a report on the taxation of life insurance companies in the United States and was presented at a hearing in 1989.This work has been selected by scholars as being culturally important, and is part of the knowledge base of civilization as we know it.This work is in the "public domain in the United States of America, and possibly other nations. Within the United States, you may freely copy and distribute this work, as no entity (individual or corporate) has a copyright on the body of the work.Scholars believe, and we concur, that this work is important enough to be preserved, reproduced, and made generally available to the public. We appreciate your support of the preservation process, and thank you for being an important part of keeping this knowledge alive and relevant.
The Dark Days of Hamburger Halpin
A detailed record of the proceedings and publications of the Chartered Insurance Institute, covering a wide range of topics related to the insurance and risk management industries. Features articles, reports, and insights from leading experts in the field.This work has been selected by scholars as being culturally important, and is part of the knowledge base of civilization as we know it.This work is in the "public domain in the United States of America, and possibly other nations. Within the United States, you may freely copy and distribute this work, as no entity (individual or corporate) has a copyright on the body of the work.Scholars believe, and we concur, that this work is important enough to be preserved, reproduced, and made generally available to the public. We appreciate your support of the preservation process, and thank you for being an important part of keeping this knowledge alive and relevant.
Report, Volume 36, part 2
This report contains valuable information and data related to the workings of the insurance industry in Illinois. It covers various topics like rates, claims, and regulations. It is an important read for insurance professionals, policymakers, and researchers.This work has been selected by scholars as being culturally important, and is part of the knowledge base of civilization as we know it.This work is in the "public domain in the United States of America, and possibly other nations. Within the United States, you may freely copy and distribute this work, as no entity (individual or corporate) has a copyright on the body of the work.Scholars believe, and we concur, that this work is important enough to be preserved, reproduced, and made generally available to the public. We appreciate your support of the preservation process, and thank you for being an important part of keeping this knowledge alive and relevant.
Surety, Plate Glass and Miscellaneous Insurance
This manual provides a comprehensive overview of various types of insurance, including surety, plate glass, and liability insurance. It includes policy forms and practical methods for understanding and utilizing insurance policies.This work has been selected by scholars as being culturally important, and is part of the knowledge base of civilization as we know it.This work is in the "public domain in the United States of America, and possibly other nations. Within the United States, you may freely copy and distribute this work, as no entity (individual or corporate) has a copyright on the body of the work.Scholars believe, and we concur, that this work is important enough to be preserved, reproduced, and made generally available to the public. We appreciate your support of the preservation process, and thank you for being an important part of keeping this knowledge alive and relevant.
Dying to Save You
Americans are suffering from chronic disease, and our healthcare system can't save us. Sometimes it makes us worse. In fact, we don't have a healthcare system in this country-we have a four-trillion-dollar sickcare system that profits off people struggling with chronic disease. Primary care doctors are responsible for keeping us healthy, but our primary care system is broken. Worse, the policies and science that led to great medical advances in the past are insufficient to help in the future. Nothing seems to be working. But a paradigm shift is underway that is about to change everything. In Dying to Save You, Dr. William Queale takes you behind the scenes of our sickcare system. He uses deeply personal stories to explain how we got here and how systems thinking can get us out. But Dying to Save You isn't just about medicine, science, and healthcare policy. This book is about you-and how you can stay out of the sickcare system altogether.
Enterprise Risk Management Models
This textbook, now in its fourth edition, serves as a comprehensive guide to learning various aspects of risk, encompassing supply chain management, artificial intelligence, and sustainability. It demonstrates a wide range of operations research models that have been successfully applied to enterprise supply chain risk management. Each chapter of the book can function as a standalone module focusing on a specific topic, offering dedicated examples, definitions, and discussion notes.The publication of this book comes at a crucial time when the world is facing increasing challenges from various forms of risk. Events such as Covid-19, the energy crisis, wars, and terrorism in the 21st century have all disrupted supply chains, thus highlighting the critical importance of enterprise risk management. Additional risks, such as financial and technological bubbles, along with concerns surrounding rampant artificial intelligence, contribute to a climate that demands enhanced risk management within organizations.
Retire Rich With Rentals
Why many real estate investors fall quite short, along with just the way you're in a position to make sure you don't!Many real estate investors fail for various very good reasons, but with comprehensive preparing as well as delivery, you're in a position to guarantee a much better chance of success. Below are actually four distinctive techniques to stay away from everyday pitfalls and increase the odds of yours of achieving success in real estate investing: Among the primary factors investors fail is really due to to a shortage of understanding and knowledge awareness of the real estate sector. Ensure you completely become informed about real estate investing, financing options, property types, market fashion, as well as possible risks. Attend workshops, read books, remain with trustworthy blogs, and also learn from great investors to grow the expertise of yours. Proper analysis is actually likely to enable you to make educated choices and reduce the chances of costly mistakes.
Lapsed
Will your universal life insurance policy LAPSE while you are still alive?Attention Policyholders: If you own a universal life insurance policy (UL, IUL, VUL) or Group UL/VUL insurance policy from ANY life insurance provider, you must purchase this book to learn why your "permanent" policy could lapse (cease to exist) despite making all your payments. Attention Investors: If you are an investor (bonds or equities) in the life insurance sector, you must purchase this book to understand the massive risk to which you are exposed. After researching over 5,000 MetLife individual UL and VUL policies totaling over $1,000,000,000 ($1B) in death benefits, author and financial advisor, Elan Moas exposes how these policies are designed to fail rather than succeed. In Q1 2023, he presented his findings to the state of Massachusetts, the SEC, and submitted two new whistleblower complaints based on his research. His findings show why 90% of these policies will likely lapse before paying a death benefit. The research reveals how: - Lapsing UL and VUL policies are an entire life insurance industry problem, not just MetLife- "Target" funding is where advisors and insurers maximize their commission but leave the insured with a policy destined to lapse. - The May 2023 IUL Actuarial Guideline 49B (AG49B) update means that IUL sales made prior to that date were likely made with wrong investment illustration assumptions. The IUL chapter will leave all IUL policyholders horrified.- Group UL/VUL policies offered to entire states and Fortune 500 companies are full of fatal structural policy flaws.- Older adults' cash values are wiped out prior to their policy lapsing. That is elder abuse.- To request your very own "in-force illustration," which is the future policy projection. The unfortunate result of decades of life insurance industry greed and regulatory oversight incompetence will lead to the "Subprime Universal Life Insurance Company Crash of 2023." Which company will be the next Lehman Brothers? www.MoasConsulting.com
Vehicle Maintenance Log Book
It's designed to track all essential automobile, truck repairs, maintenance tasks and record the number of miles traveled by a vehicle by a certain amount of fuel within a specific period.A vehicle log book proves ownership and satisfaction to the car's driver!This logbook will help to keep track of your vehicle repair and services. It is suitable for all kinds of vehicles such as cars, RVs, jeeps, trucks, and motorcycles.
Information Assurance and Risk Management Strategies
Learn how to deploy information assurance risk management strategies that align with the National Institute of Standards and Technology's recommendations. This book will show you how to implement information assurance risk management strategies within your organization. Aimed at system administrators and cybersecurity practitioners, author Bradley Fowler first walks you through how to assess known risks in your organization, understand why using a risk mitigation security strategy control profile is essential, and how to create one for your organization. You will then learn how to develop a risk factor table, outlining descriptions for each risk factor within your organization and which software applications you'll need to rely on for daily business communication and operations. You will also see how to assess and categorize the level of risk within each technology tool, as well as the impact of an information security breach on the organization. As you progress through the book, you'll review privacy issues relating to your organization, develop and manage a privacy compliance risk profile, and develop and manage a privacy compliance control profile. Additionally, you will gain insight into creating a privacy compliance risk mitigation strategy that helps protect your organization even as security threats evolve. Take the first step to safeguarding your company's highly valuable information assets today! What You'll Learn Understand what information assurance is and how it relates to risk management strategiesAssess, develop, implement, and manage risk management strategies for corporate information systems, technology, and cloud environmentsDevelop and utilize information usage profiles and risk factor tablesUnderstand the value of data encryption and usage of private and public key exchange for information assurance and security Who This Book Is For Information system and cloud architects responsible for developing, implementing, and managing corporate information systems and cloud environments.
Risk Assessment and Management
In an increasingly complex and volatile world, mastering the art of risk assessment and risk management has become paramount. From financial institutions to healthcare organizations, and from startups to multinational corporations, individuals and businesses alike face an array of uncertainties that can make or break their success. This book explores the intricate interplay between risk identification, evaluation, and mitigation. Through a holistic approach, this book equips readers with the tools and strategies needed to embrace uncertainty, transform it into opportunities, and safeguard against potential threats.Inside these pages, you will discover: A comprehensive framework for understanding risk assessment and risk management, including the key principles, methodologies, and best practices employed by industry leaders.- Practical techniques to identify and categorize risks, enabling you to prioritize and allocate resources effectively.- Innovative approaches to risk mitigation, such as risk transfer, risk avoidance, risk acceptance, and risk reduction.- Insights on integrating risk management into your organization's culture, creating a proactive mindset that prepares for the unexpected.- The role of technology, data analytics, and artificial intelligence in enhancing risk assessment and management processes.Whether you are a seasoned risk professional or just beginning your journey into risk management, the book provides a roadmap to navigate the labyrinth of risks that surround us. By leveraging the power of knowledge and embracing uncertainty, you can transform risk from a potential liability into a catalyst for growth and success. Equip yourself with the essential skills and strategies needed to thrive in an unpredictable world.
The Risk Management Handbook
The Risk Management Handbook offers readers knowledge of current best practice and cutting-edge insights into new developments within risk management. Risk management is dynamic, with new risks continually being identified and risk techniques being adapted to new challenges. Drawing together leading voices from the major risk management application areas, such as political, supply chain, cybersecurity, ESG and climate change risk, this edited collection showcases best practice in each discipline and provides a comprehensive survey of the field as a whole. This second edition has been updated throughout to reflect the latest developments in the industry. It incorporates content on updated and new standards such as ISO 31000, MOR and ISO 14000. It also offers brand new chapters on ESG risk management, legal risk management, cyber risk management, climate change risk management and financial risk management. Whether you are a risk professional wanting to stay abreast of your field, a student seeking a broad and up-to-date introduction to risk, or a business leader wanting to get to grips with the risks that face your business, this book will provide expert guidance.
Risk Assessment and Management
In an increasingly complex and volatile world, mastering the art of risk assessment and risk management has become paramount. From financial institutions to healthcare organizations, and from startups to multinational corporations, individuals and businesses alike face an array of uncertainties that can make or break their success. This book explores the intricate interplay between risk identification, evaluation, and mitigation. Through a holistic approach, this book equips readers with the tools and strategies needed to embrace uncertainty, transform it into opportunities, and safeguard against potential threats.Inside these pages, you will discover: A comprehensive framework for understanding risk assessment and risk management, including the key principles, methodologies, and best practices employed by industry leaders.- Practical techniques to identify and categorize risks, enabling you to prioritize and allocate resources effectively.- Innovative approaches to risk mitigation, such as risk transfer, risk avoidance, risk acceptance, and risk reduction.- Insights on integrating risk management into your organization's culture, creating a proactive mindset that prepares for the unexpected.- The role of technology, data analytics, and artificial intelligence in enhancing risk assessment and management processes.Whether you are a seasoned risk professional or just beginning your journey into risk management, the book provides a roadmap to navigate the labyrinth of risks that surround us. By leveraging the power of knowledge and embracing uncertainty, you can transform risk from a potential liability into a catalyst for growth and success. Equip yourself with the essential skills and strategies needed to thrive in an unpredictable world.
Experience and Satisfaction of Bancassurance Customers
The experience and satisfaction of bancassurance customers play a pivotal role in shaping the success of this unique financial services model. Bancassurance refers to the collaboration between banks and insurance companies to offer insurance products and services to bank customers. This description focuses on understanding the experience and satisfaction of customers who have engaged with bancassurance.For customers, bancassurance offers the convenience of accessing insurance products within the familiar environment of their bank. It provides a one-stop solution, allowing customers to fulfill their banking and insurance needs simultaneously. The experience of bancassurance customers begins with the ease of navigating through a range of insurance options available at their bank, along with expert guidance from bank staff who are trained in insurance products. This ensures that customers receive personalized advice tailored to their financial goals and risk preferences.Customer satisfaction in bancassurance is influenced by several factors. Firstly, the quality and reliability of insurance products offered by the bank are of utmost importance. Customers expect comprehensive coverage, competitive premiums, and efficient claims settlement processes. Secondly, the professionalism and responsiveness of the bank's staff play a crucial role. Customers value knowledgeable staff who can address their queries promptly and provide assistance throughout the insurance journey.Furthermore, seamless integration between banking and insurance services enhances customer satisfaction. Streamlined processes for policy issuance, premium payments, and policy management contribute to a positive customer experience. The convenience of accessing insurance-related information and services through digital banking platforms adds to customer satisfaction, as it enables them to track their policies, initiate claims, and make informed decisions conveniently.Ultimately, customer experience and satisfaction in bancassurance are key drivers for customer retention and loyalty. Positive experiences not only lead to repeat business but also prompt customers to recommend bancassurance services to their acquaintances. This word-of-mouth promotion further strengthens the credibility and reputation of bancassurance as a reliable and customer-centric financial services model.In conclusion, the experience and satisfaction of bancassurance customers are influenced by the convenience, product quality, customer service, and integration of banking and insurance services. A positive customer experience not only fosters loyalty but also contributes to the growth and success of bancassurance by attracting new customers through referrals. By focusing on customer needs and continuously improving their experience, banks and insurance companies can create mutually beneficial relationships and ensure customer satisfaction in the realm of bancassurance.
Averting Disaster Before It Strikes
Some of the major industrial disasters could have been prevented. When the facts of what happened are established, their stories share a common thread: before things spiralled out of control, there were workers at the affected sites who knew that the situation was dangerous, and could become catastrophic unless immediate action was taken. But tragically, nobody dared to tell the decision-makers who could have authorized that action. With no idea of the risks they were taking, the people in charge continued as normal... and disaster struck. Because vital information about risks could not flow freely from the shop floor to the director's office, the crucial decisions were not made in time. This observation has been documented in the following major technological accidents: Challenger space shuttle explosion (USA, 1986); Chernobyl nuclear plant disaster (USSR, 1986); Deepwater Horizon oil spill (USA, 2010); Fukushima-1 nuclear power plant disaster (Japan, 2011); and numerous other industrial disasters. After accidents like these, losses and costs for dealing with the consequences are often hundreds -- or even thousands -- of times greater than the finances that would have been required to deal with the risks when they were first recognized.This handbook is about how to transform the way large critical infrastructure companies communicate about safety and technological risks. It aims to support senior managers to get the information they need from their subordinates concerning the risks they are facing, in order to prevent accidents before it is too late.The recommendations in this handbook are based on interviews with 100 executives at various levels, working in 65 critical infrastructure companies around the world, in power, oil and gas, metals, chemicals and petrochemicals, mining and other industries.The recommendations of these leaders were also tested in the pilot project, in an industrial company which is the world leader in its sector. More than 400 managers at various levels of the corporate hierarchy, and employees at several of the company's industrial plants, took part in the project.This open access handbook is written for the owners, senior managers, and industrial safety directors of critical infrastructure companies.
Averting Disaster Before It Strikes
Some of the major industrial disasters could have been prevented. When the facts of what happened are established, their stories share a common thread: before things spiralled out of control, there were workers at the affected sites who knew that the situation was dangerous, and could become catastrophic unless immediate action was taken. But tragically, nobody dared to tell the decision-makers who could have authorized that action. With no idea of the risks they were taking, the people in charge continued as normal... and disaster struck. Because vital information about risks could not flow freely from the shop floor to the director's office, the crucial decisions were not made in time. This observation has been documented in the following major technological accidents: Challenger space shuttle explosion (USA, 1986); Chernobyl nuclear plant disaster (USSR, 1986); Deepwater Horizon oil spill (USA, 2010); Fukushima-1 nuclear power plant disaster (Japan, 2011); and numerous other industrial disasters. After accidents like these, losses and costs for dealing with the consequences are often hundreds -- or even thousands -- of times greater than the finances that would have been required to deal with the risks when they were first recognized.This handbook is about how to transform the way large critical infrastructure companies communicate about safety and technological risks. It aims to support senior managers to get the information they need from their subordinates concerning the risks they are facing, in order to prevent accidents before it is too late.The recommendations in this handbook are based on interviews with 100 executives at various levels, working in 65 critical infrastructure companies around the world, in power, oil and gas, metals, chemicals and petrochemicals, mining and other industries.The recommendations of these leaders were also tested in the pilot project, in an industrial company which is the world leader in its sector. More than 400 managers at various levels of the corporate hierarchy, and employees at several of the company's industrial plants, took part in the project.This open access handbook is written for the owners, senior managers, and industrial safety directors of critical infrastructure companies.
Flip This Risk for Enterprise Security
*** FOREWORD INDIES FINALIST FOR BOOK OF THE YEAR 2022 ****** WINNING FINALIST, INTERNATIONAL BOOK AWARDS 2022 ***Flip This Risk(R) for Enterprise Security provides a holistic snapshot of select security management issues. It is a compilation of stories from experts in the field providing unique and creative perspectives on several security management areas including risk and resilience, business continuity, executive protection, GRC (Governance, Risk and Compliance), global monitoring, and travel and event security.In this book, a diverse group of corporate security experts (who happen to be all women!) provides powerful narratives from personal and professional viewpoints, creating an opportunity for readers to easily grasp the concepts that frame security management in organizations.
Political Risk Intelligence for Business Operations in Complex Environments
Macro-level dynamics and modelling are well represented in the mainstream political risk literature. However, not many writings on the subject get their hands dirty in terms of revealing the hard, nuanced and practical work behind knowing what the issues might be for a specific foreign operation in a sensitive or volatile context, and how to plan for them.Political Risk Intelligence for Business Operations in Complex Environments provides international managers, and by extension their organisations, with a foundational understanding of political risk analysis and planning for on-the-ground operations in challenging times and places. This means having a fluid grasp of what political risk means and why it matters in the organisation's context, and how relevant intelligence can be gathered and analysed to inform decisions and planning towards an operation's socio-political resilience.The book explains: How and why political risk manifests and the forms it can take Company attitudes and operational attributes as a political risk variable Understanding the operational implications of socio-political dynamics and trends Stakeholder identification and analysis for informed engagement planning Scenario analysis to prepare for long-term contingencies and discontinuities Holistic, intelligence-driven political risk management planning Tactical intelligence exercises to maintain awareness and inform adaptation Intelligence management, collection and quality control Ethical considerations in political risk management Rather than being bound by conventional notions of risk, the book emphasises the dynamic relationship between a foreign operation and its host environment and milieu as a source of both challenges and opportunities to manage them. Concepts, frameworks and practices are rounded out with real-world examples and relevant lessons from the author's experience as a political risk consultant.
Insurance
Sometimes people go into sales thinking it will be easy or it's a surefire way to make extra money on the side. It might work for some pyramid sales operations or selling candles and creams; however, becoming a sales professional takes hours of training and discipline. Insurance sales takes an added burden of knowing that you are definitely doing the right thing for the human being relying on your professional opinion to make the appropriate decision among sometimes dozens of options protecting them from losses. Here's just a little of what you'll discover inside: Commercial Insurance 101 - Everything You Need To Know (Even If You're a Complete Beginner)Straightforward Advice That Cuts Through The Mystery and Confusion Behind Insurance BrokeringEssential Negotiating Tips That Will Help You Win More ClientsOrganizational, Technical, and Analytical Strategies Made Easy Bonus Questions at The End of Each Chapter To Test Your Knowledge and Improve Your MemoryAnd Much More!The fundamentals of how risk is measured and financed are shifting rapidly. Additionally millennial are becoming the largest cohort in the workforce and technology startups target insurance, funded by a sea of venture capital flowing into the sector, prod traditional incumbents to innovate or perish.
Urban Flood Risk Management
Like so many of the coastal cities in Southeast Asia (and other regions) established during European colonialism, there has been an ongoing challenge for decades dealing with the growing frequency and intensity of flooding. Jakarta's flood problems since the 1990s have been nothing less than monumental and the inability of the local and national governments to mitigate flooding in Jakarta is the most visible manifestation of fundamental water management deficiencies. This book offers a comprehensive and systematic historical assessment of Jakarta's water management practices from the colonial era through the early years of the Indonesian republic and Jakarta's emergence as a sprawling megacity.This book draws upon a vast multidisciplinary literature and a wide array of government documents to unravel the complex history of water management that has led to approximately 40% of the city now lying below sea level.This book will be a useful reference to those who research on topics such as urbanization in Southeast Asia, sustainable development, urban and planning history, environmental planning, issues of water management (and flooding), and the politics of planning and development.
Risk Management in Crisis
Risk management is a domain of management which comes to the fore in crisis. This book looks at risk management under crisis conditions in the COVID-19 pandemic context. The book synthesizes existing concepts, strategies, approaches and methods of risk management and provides the results of empirical research on risk and risk management during the COVID-19 pandemic. The research outcome was based on the authors' study on 42 enterprises of different sizes in various sectors, and these firms have either been negatively affected by COVID-19 or have thrived successfully under the new conditions of conducting business activities. The analysis looks at both the impact of the COVID-19 pandemic on the selected enterprises and the risk management measures these enterprises had taken in response to the emerging global trends. The book puts together key factors which could have determined the enterprises' failures and successes. The final part of the book reflects on how firms can build resilience in challenging times and suggests a model for business resilience. The comparative analysis will provide useful insights into key strategic approaches of risk management.The Open Access version of this book, available at http: //www.taylorfrancis.com/books/oa-mono/10.4324/9781003131366/ has been made available under a Creative Commons Attribution-Non Commercial-No Derivatives 4.0 license.
The Faces of Safety
Unveil the power of safety culture in this thought-provoking and inspiring read that challenges the way we think about employee safety. "The Safety Investment" will leave you with a newfound appreciation for the human lives behind the hard hats and remind us all of the immense cost of neglecting their well-being. Direct and challenging, this book poses tough questions to those in management and supervision and reveals the heartbreaking realities of the families affected by workplace tragedy. It's time to face the truth that the pain, suffering, and heartache caused by accidents cannot be described in words. But it's never too late to make a change. Are you, as a CEO, CFO, COO, or executive, ready to lead the way in proactively investing in the safety of your employees? Safety must come before profits, and the reputation of your company depends on it. So, ask yourself, what is a life worth to you? It's time to make a life-changing impact on the safety culture of your workplace. Safety is an investment, not only in your employees but in your company. The choice is yours, what is a life worth, and what are you willing to accept, the consequences are life-changing. Are you ready to accept this challenge?
Modelling Economic Capital
How might one determine if a financial institution is taking risk in a balanced and productive manner? A powerful tool to address this question is economic capital, which is a model-based measure of the amount of equity that an entity must hold to satisfactorily offset its risk-generating activities. This book, with a particular focus on the credit-risk dimension, pragmatically explores real-world economic-capital methodologies and applications. It begins with the thorny practical issues surrounding the construction of an (industrial-strength) credit-risk economic-capital model, defensibly determining its parameters, and ensuring its efficient implementation. It then broadens its gaze to examine various critical applications and extensions of economic capital; these include loan pricing, the computation of loan impairments, and stress testing. Along the way, typically working from first principles, various possible modelling choices and related concepts are examined. The end resultis a useful reference for students and practitioners wishing to learn more about a centrally important financial-management device.
Uncovered
Historically, the insurance industry in America has been fragmented. As a result, there have been debates and conflicts over the proper roles of federal and state governments, business, and the responsibilities of individuals. Who should cover the risks of loss? And to what extent should risk be shared and by whom? In Uncovered, Katherine Hempstead answers these questions by exploring the history of the insurance business and its regulation in the United States from the 1870s through the twentieth century. Specifically, she focuses on the friction between the public demand for insurance and the private imperatives of insurers. Tracing the history of the industry from the early days of life, fire, and casualty insurance to the development of state regulation in the late nineteenth century, Hempstead examines the role that insurers initially played in the largely voluntary social safety net and how this changed over time. After the Great Depression, the federal government assumed a greater role in the provision of insurance, while insurers enthusiastically pursued the growing business of employee benefits. As the twentieth century progressed, insurers and government have become interdependent, with insurers participating in publicly funded markets. As Hempstead shows, periodic crises in life, fire, health, auto, and liability insurance highlighted gaps between the coverage that insurers were willing to provide and what the public demanded. Highlighting how the major part states play in insurance regulation has made it harder to solve important problems, Uncovered fundamentally changes our understanding of the crucial role that insurance has always played in American politics.
Pricing in General Insurance
Based on the syllabus of the actuarial profession courses on general insurance pricing - with additional material inspired by the author's own experience as a practitioner and lecturer - Pricing in General Insurance, Second Edition presents pricing as a formalised process that starts with collecting information about a particular policyholder or risk and ends with a commercially informed rate. The first edition of the book proved very popular among students and practitioners with its pragmatic approach, informal style, and wide-ranging selection of topics, including: Background and context for pricing Process of experience rating, ranging from traditional approaches (burning cost analysis) to more modern approaches (stochastic modelling) Exposure rating for both property and casualty products Specialised techniques for personal lines (e.g., GLMs), reinsurance, and specific products such as credit risk and weather derivatives General-purpose techniques such as credibility, multi-line pricing, and insurance optimisation The second edition is a substantial update on the first edition, including: New chapter on pricing models: their structure, development, calibration, and maintenance New chapter on rate change calculations and the pricing cycle Substantially enhanced treatment of exposure rating, increased limit factors, burning cost analysis Expanded treatment of triangle-free techniques for claim count development Improved treatment of premium building and capital allocation Expanded treatment of machine learning Enriched treatment of rating factor selection, and the inclusion of generalised additive models The book delivers a practical introduction to all aspects of general insurance pricing and is aimed at students of general insurance and actuarial science as well as practitioners in the field. It is complemented by online material, such as spreadsheets which implement the techniques described in the book, solutions to problems, a glossary, and other appendices - increasing the practical value of the book.
Cognitive Risk
Cognitive Risk is a book about the least understood but most pervasive risk to mankind - human decision-making. Cognitive risks are subconscious and unconscious influence factors on human decision-making: heuristics and biases. To understand the scope of cognitive risk, we look at case studies, corporate and organizational failure, and the science that explains why we systemically make errors in judgment and repeat the same errors. The book takes a multidisciplinary and pedestrian stroll through behavioral science with a light touch, using stories to explain why we consistently make cognitive errors that not only increase risks but also simultaneously fail to recognize these errors in ourselves or our organizations. This science has deep roots in organizational behavior, psychology, human factors, cognitive science, and behavioral science all influenced by classic philosophers and enabled through advanced analytics and artificial intelligence. The point of the book is simple. Humans persist with bounded rationality, but as the speed of information, data, money, and life in general accelerates, we will need the right tools to not only keep pace but to survive and thrive. In light of all these factors that complicate risk, the book offers a foundational solution. A cognitive risk framework for enterprise risk management and cyber security. There are five pillars in a cognitive risk framework with five levels of maturity, yet there is no universally prescribed maturity level. It is more a journey of different paths. Each organization will pursue its own path, but the goal is the same - to minimize the errors that could have been avoided. We explain why risks are hard to discuss and why we systematically ignore the aggregation of these risks hidden in collective decision-making in an organization. The cognitive risk framework is a framework designed to explore the two most complex risks organizations face: uncertainty and decision-making under uncertainty. The first pillar is cognitive governance, which is a structured approach for institutionalizing rational decision-making across the enterprise. Each pillar is complimentary and builds on the next in a succession of continuous learning. There is no endpoint because the pillars evolve with technology. Enterprise risk is a team effort in risk intelligence grounded in a framework for good decision-making. We close with a call to become designers of risk solutions enabled by the right technology and nurtured by collaboration. We hope you enjoy the book with this context.
An Intuitive Introduction to Finance and Derivatives
This book gives a self-contained, intuitive overview of some of the most important topics of finance, such as investment risk, market pricing and market efficiency, arbitrage, hedging, and the pricing and application of financial derivatives. It provides a first-principles introduction to the relevant material and concepts, emphasising intuition. Financial terminology, and the understanding implicit therein, is carefully introduced. The books starts with finance in the most general terms, and gradually specialises to investment theory and then derivatives. This book is tailor-made for readers new to finance, such as graduate students entering or interested in finance, or financial practitioners moving to a more quantitative role.
Innovative Insurance
Have you noticed that fix - and flip television shows seem to be on every television in America lately? They're on at banks, hotel lobbies, airports, and even buses. And why have they risen so dramatically in popularity over the last few years? Television has made real estate investing seem like the easiest way to make money. If you can swing a hammer, you can flip a house. Right? Well, it probably goes without saying that it's a lot more complicated than that. Truth is, most real estate investors fail the first time out. Think about it. If every fix-and-flip project went smoothly, it wouldn't make for very interesting television. These investments fail for various reasons, of course, but a substantial portion of them fail when things inevitably go haywire, and the investor is not able to financially recover from the loss. This is the book that every real estate investor wishes they had read before they bought that insurance policy that didn't cover their property adequately. It is the book that could have saved hundreds, thousands, and even millions of dollars for property owners when they were sued for something they didn't realize they could be sued for. It is also the book that those television shows don't tell you about because insurance isn't sexy enough for TV. But "Innovative Insurance" is full of tips, hints, and practical advice that can save you stress and allow you to sleep well at night. Whether you own a hundred rental properties and just need to tweak your policy to make it suit your portfolio best, or you recently inherited your grandparents 1940's cottage, you will find information that can help you navigate the ever-shifting sands of insurance. Topics include: Why we have insurance and what it's supposed to do Types of insurance forms Difference between soft and hard markets Common types of investors and investing goals Appetite for risk Lender requirements and hints for success Factors that affect insurance rates Common terms such as ACV, RC, coinsurance, umbrellas Factors that affect your property deductible choice Exclusions and gaps Liability Special circumstances that affect insurability The goal of this book is to arm readers with the knowledge they need to ask the right questions, make the right decisions, and cover their assets in the best possible way for their unique situation and goals. Sure, maybe insurance isn't sexy, but being made whole after a catastrophe or avoiding a million-dollar lawsuit certainly has its appeal. Wouldn't you agree?
Car Maintenance Log Book
Our fashioned, handy and easy-to-use logbook is perfect to record maintenance procedures, vehicles service, repairs, maintenance tasks and record the number of miles traveled by a vehicle by a certain amount of fuel within a specific period.Why you will love this book: - Simple and organized;- Perfect for the glove compartment, toolbox or seat pocket.- Record on your terms - Quick and Clear contents pages;- Quick & easy to add entries.- Double-sided;- Great size to carry with you; - Section for comments - keep all details more accurateIf you want to save a lot of worries and discomforts at tax time, our log book is perfect for you. Grab your copies today!
Customer Retention Approaches of Sales Promotion in Automobile Industry
Multiplicity is the spirit of present day competitive industries automobiles, beverages, computers, dishwashers, electronics-consumer and industrial, fashion textiles and garments; household furniture's and furnishings, industrial goods, etc are no exception. Increased number of manufacturers both domestic and multinational, in respective industry is luring the customers with their distinctive products that are capable of delivering high quality aimed at generating high customer satisfaction levels.
10 Medicare Mistakes Financial Advisors Make and How to Avoid Them
As a financial advisor, you play a crucial role in ensuring your clients have the resources they need to make informed decisions about their health and financial well-being. Medicare is a remarkably complex and ever-changing aspect of retirement planning, and it can be easy to fall into common mistakes that could have significant consequences for your clients.That's why I wrote this book - 10 Medicare Mistakes Financial Advisors Make and How to Avoid Them. In it, I'll outline the top 10 mistakes financial advisors make when navigating Medicare and provide actionable steps for avoiding them. Whether you're a seasoned pro or just starting, this book will help you understand the Medicare system and avoid costly missteps that could impact your client's health and financial stability
Financial Economics of Insurance
An authoritative and comprehensive graduate textbook on the modern insurance sector The traditional role of insurers is to insure idiosyncratic risk through products such as life annuities, life insurance, and health insurance. With the decline of private defined benefit plans and government pension plans around the world, insurers are increasingly taking on the role of insuring market risk through minimum return guarantees. Insurers also use more complex capital management tools such as derivatives, off-balance-sheet reinsurance, and securities lending. Financial Economics of Insurance provides a unified framework to study the impact of financial and regulatory frictions as well as imperfect competition on all insurer decisions. The book covers all facets of the modern insurance sector, guiding readers through its complexities with empirical facts, institutional details, and quantitative modeling.An up-to-date textbook for graduate students in economics, finance, and insuranceCovers a broad range of topics, including insurance pricing, contract design, reinsurance, portfolio choice, and risk managementProvides promising new directions for future researchCan be taught in courses on asset pricing, corporate finance, industrial organization, and public economicsAn invaluable resource for policymakers seeking an empirical and institutional account of today's insurance sector
Data-Centric ERM
You know what is most interesting about very large businesses and very sophisticated organizations; they are full of brilliant people, but COMMON SENSE ISN'T VERY COMMON!! Every major organization that I am aware of is using subjectivity and guesswork to operate their ERM environments.When it comes to the subject matter of ERM the only thing that makes any sense at all is that it must be DATA-CENTRIC! In this day and age DATA DRIVES EVERYTHING, EXCEPT ERM! This book is the definitive guideline and the how-to manual on building a Data-Centric ERM environment!!You will learn a proprietary and totally business-centric method of efficiently and effectively analyzing risk throughout the entire Enterprise. This methodology will provide you with the most logical and easily understandable method of putting ERM in place in any size organization. This book centers you on the key anchor points of all risk assessment, which are, what is critical to your particular organization. The only ERM environments that are worthwhile at all are those that are custom made for the organization. This book will show you how to do that. Generic doesn't get it in ERM.In this book you will learn how to evaluate and effectively manage those risks that go to the core of your organization or business; the ones that if not managed will stop or seriously inhibit your ability to operate.Think about it honestly and answer this question. How many things in your own personal life do you really guess about? The answer is virtually 0! You don't guess what time a plane is going to leave for and arrive in Singapore for your super critical meeting. You don't guess about what hotel is closest to the site of that critical meeting. You don't guess about the location and room of the building in which that critical meeting is being held. And, you don't guess about which direction you should be going, or how long the taxi ride is from where you are to where you need to be for that critical meeting. You use data and proven information for every one of those things just mentioned. So why in the world are major organizations guessing when it comes to the most critical thing that they must do every day that they operate, which is effectively manage the risks of the organization? THIS SHOULD BE the ERM handbook for the CEO and every member of the BOD!It is time to apply common sense, logic, data and proven information to the science of ERM and every aspect of it. If this is not done, the parties responsible for ERM in your organization are your biggest risk! They are doing you more harm than they are doing you good. This book will tell you exactly what you need to do to be the BEST that you can possibly be in ERM! To not read this book and immediately start working toward implementing what it tells you to do is the biggest risk you can possibly take!If you are an educator and you are not using this as your textbook in the fields of ERM and Data Analytics, when all of the major accreditation organizations are making it mandatory to teach data analytics, you are taking a terrible risk!If you are a student in any field of study, but particularly a business or management related field of study and you have not read this book you are your own worst enemy relative to preparing yourself for where the future is already going.IT IS CRYSTAL CLEAR! DATA and THE COMMON SENSE TO APPLY IT LOGICALLY to the subject matter of ERM IS THE FUTURE! DON'T FORGET IT OR YOU WILL REGRET IT!
Data-Centric ERM
You know what is most interesting about very large businesses and very sophisticated organizations; they are full of brilliant people, but COMMON SENSE ISN'T VERY COMMON!! Every major organization that I am aware of is using subjectivity and guesswork to operate their ERM environments.When it comes to the subject matter of ERM the only thing that makes any sense at all is that it must be DATA-CENTRIC! In this day and age DATA DRIVES EVERYTHING, EXCEPT ERM! This book is the definitive guideline and the how-to manual on building a Data-Centric ERM environment!!You will learn a proprietary and totally business-centric method of efficiently and effectively analyzing risk throughout the entire Enterprise. This methodology will provide you with the most logical and easily understandable method of putting ERM in place in any size organization. This book centers you on the key anchor points of all risk assessment, which are, what is critical to your particular organization. The only ERM environments that are worthwhile at all are those that are custom made for the organization. This book will show you how to do that. Generic doesn't get it in ERM.In this book you will learn how to evaluate and effectively manage those risks that go to the core of your organization or business; the ones that if not managed will stop or seriously inhibit your ability to operate.Think about it honestly and answer this question. How many things in your own personal life do you really guess about? The answer is virtually 0! You don't guess what time a plane is going to leave for and arrive in Singapore for your super critical meeting. You don't guess about what hotel is closest to the site of that critical meeting. You don't guess about the location and room of the building in which that critical meeting is being held. And, you don't guess about which direction you should be going, or how long the taxi ride is from where you are to where you need to be for that critical meeting. You use data and proven information for every one of those things just mentioned. So why in the world are major organizations guessing when it comes to the most critical thing that they must do every day that they operate, which is effectively manage the risks of the organization? THIS SHOULD BE the ERM handbook for the CEO and every member of the BOD!It is time to apply common sense, logic, data and proven information to the science of ERM and every aspect of it. If this is not done, the parties responsible for ERM in your organization are your biggest risk! They are doing you more harm than they are doing you good. This book will tell you exactly what you need to do to be the BEST that you can possibly be in ERM! To not read this book and immediately start working toward implementing what it tells you to do is the biggest risk you can possibly take!If you are an educator and you are not using this as your textbook in the fields of ERM and Data Analytics, when all of the major accreditation organizations are making it mandatory to teach data analytics, you are taking a terrible risk!If you are a student in any field of study, but particularly a business or management related field of study and you have not read this book you are your own worst enemy relative to preparing yourself for where the future is already going.IT IS CRYSTAL CLEAR! DATA and THE COMMON SENSE TO APPLY IT LOGICALLY to the subject matter of ERM IS THE FUTURE! DON'T FORGET IT OR YOU WILL REGRET IT!
Disability Insurance for Physicians
A young physician's most important asset isn't an investment or real estate portfolio-it's the ability to earn a good income performing your specialty. Potentially eight figures, this asset needs insurance. But insurance that truly protects your income and safeguards your quality of life isn't easy to find. In Disability Insurance for Physicians, disability insurance broker and expert Billy Gwaltney provides a comprehensive guide for protecting your most vital asset. By using a simple, straightforward approach, Billy reveals the steps that matter and key points to remember when buying private, specialty own-occupation disability insurance. With valuable examples and time-saving strategies, Disability Insurance for Physicians is the resource you've been looking for to answer questions, point you in the right direction, and provide peace of mind to focus on what you do best.
Disability Insurance for Physicians
A young physician's most important asset isn't an investment or real estate portfolio-it's the ability to earn a good income performing your specialty. Potentially eight figures, this asset needs insurance. But insurance that truly protects your income and safeguards your quality of life isn't easy to find. In Disability Insurance for Physicians, disability insurance broker and expert Billy Gwaltney provides a comprehensive guide for protecting your most vital asset. By using a simple, straightforward approach, Billy reveals the steps that matter and key points to remember when buying private, specialty own-occupation disability insurance. With valuable examples and time-saving strategies, Disability Insurance for Physicians is the resource you've been looking for to answer questions, point you in the right direction, and provide peace of mind to focus on what you do best.
Effectiveness of Enterprise Risk Management
Effective risk management is a crucial part of the success of any organization. In scholarly research, numerous publications have been written on the design of complex enterprise risk management systems, however very little consideration has been given to the effectiveness of implemented management solutions. This book seeks to fill this important gap. Based on a study featuring a representative group of 722 companies, the author presents the various determinants of risk management effectiveness, including behavioural determinants (such as attitude to risk) as well as internal and external determinants (such as human and financial resources and the environment in which the organization operates). Along with a theoretical and practical overview of the various considerations from an international perspective, the reader will gain an insight into the implications for practice. Ultimately, this book formulates conclusions and recommendations for the improvement of tools and systems of enterprise risk management.
The Ten Commandments of Risk Leadership
We as humans are prone to a variety of wired-in cognitive mistakes in the way we interpret and react to risk-related information. This is highly consequential since the cognitive biases managers are exposed to in their day-to-day business erode the objectivity of their risk-related decisions, which ultimately hurts the financial well-being of their firms. This book seeks to develop risk literacy as a leadership skill. It helps managers develop the skills to improve managerial decision-making in regards to managing risk.The last decades have offered various insights into how human nature often gets in the way of rational decision-making. This book is a valuable resource for insurance executives, chief risk officers, company leaders, and graduate students of risk management and risk psychology. It is the first behavioral risk management guide for managers and other interested readers - using examples from economic theory, behavioral finance, and game theory, it studies the hiddenforces that drive our decision-making processes under risk.
