Bubble Wrap
Bubble Wrap - The Benefits Book was written to assist employers who have or are considering implementing a meaningful employee benefits program for their valued employees. Employee benefits are designed to protect employees and their families from expected and unexpected life events and to make their lives easier, less stressful and more secure. This book in its easy to read format will provide the reader with a great reference to make good decisions as they relate to their company sponsored benefits program.
Bubble Wrap
Bubble Wrap - The Benefits Book was written to assist employers who have or are considering implementing a meaningful employee benefits program for their valued employees. Employee benefits are designed to protect employees and their families from expected and unexpected life events and to make their lives easier, less stressful and more secure. This book in its easy to read format will provide the reader with a great reference to make good decisions as they relate to their company sponsored benefits program.
Winning the Insurance Game
Millions of consumers play the insurance game but don't know how to win. Now Ralph Nader, internationally renowned consumer advocate, and attorney Wesley J. Smith have joined forces to show you how to beat the insurance companies at their own game. In Winning the Insurance Game, Nader and Smith walk you through complex laws and fine print, alerting you to the loopholes and clarifying the world of insurance. In this groundbreaking book, newly revised and updated to include the latest information, they help put an end to unnecessary spending by offering hundreds of practical tips. Learn six steps to lowering your automobile insurance premium, how to choose a good HMO or PPO health plan, and what insurance you should never buy. Before you buy any insurance, read this book. It can save you money and help to ensure that you get the coverage you really need.
Life Insurance in Europe
This book examines the challenges for the life insurance sector in Europe arising from new technologies, socio-cultural and demographic trends, and the financial crisis. It presents theoretical and applied research in all areas related to life insurance products and markets, and explores future determinants of the insurance industry's development by highlighting novel solutions in insurance supervision and trends in consumer protection. Drawing on their academic and practical expertise, the contributors identify problems relating to risk analysis and evaluation, demographic challenges, consumer protection, product distribution, mortality risk modeling, applications of life insurance in contemporary pension systems, financial stability and solvency of life insurers. They also examine the impact of population aging on life insurance markets and the role of digitalization. Lastly, based on an analysis of early experiences with the implementation of the Solvency II system, the book provides policy recommendations for the development of life insurance in Europe.
Settling Climate Accounts
As drivers of climate action enter the fourth decade of what has become a multi-stage race, Net Zero has emerged as the dominant organizing principle. Hundreds of corporations and investors worldwide, together responsible for assets in the tens of trillions of dollars, are lining-up for the UN Race to Zero. This latest stage in the race to save civilization from heat, drought, fires, and floods, is defined by steering toward zeroing out greenhouse gas emissions by 2050. Settling Climate Accounts probes the practice of Net Zero finance. It elucidates both the state of play and a set of directions that help form judgements about whether Net Zero is going to carry climate action far enough. The book delves into technical analyses and activates the reader's imagination with narrative accounts of climate action past, present, and future. Settling Climate Accounts is edited and authored by Stanford University faculty and researchers. Thefirst part of the book investigates the rough edges of Net Zero in practice, exploring questions of hedging risk, Scope 3 emissions, greenwashing, and the business of asset management. The second half looks at states, markets, and transitions through the lenses of blended finance, offsets, debt, and securitization. The editors tease out possible solutions and raise further questions about the adequacy and reach of the Net Zero agenda. To effectively navigate the road ahead, the editors call out the need for accountability and ask: who is in charge of making Net Zero add up? Settling Climate Accounts offers context and foundation to ground the rapidly evolving practice of Net Zero finance. Targeted at seasoned practitioners, newly activated leaders, educators, and students of climate action the world over, this book embraces the complexity of climate action and, in so doing, proposes to animate and drive hope.
Competition, Regulation, and the Public Interest in Nonlife 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. To ensure a quality reading experience, this work has been proofread and republished using a format that seamlessly blends the original graphical elements with text in an easy-to-read typeface.We appreciate your support of the preservation process, and thank you for being an important part of keeping this knowledge alive and relevant.
Insurance Economics
Insurance Economics brings together the economic analysis of decision making under risk, risk management and demand for insurance among individuals and corporations, objectives pursued and management tools used by insurance companies, the regulation of insurance, and the division of labor between private and social insurance. Appropriate both for advanced undergraduate and graduate students of economics, management, and finance, this text provides the background required to understand current research. Predictions derived from theoretical arguments are not merely stated, but also related to empirical evidence. Throughout the book, conclusions summarize key results, helping readers to check their knowledge and comprehension. Issues discussed include paradoxes in decision making under risk and attempts at their resolution, moral hazard and adverse selection including the possibility of a "death spiral", and future challenges to both private and social insurance such as globalization and the availability of genetic information. This second edition has been extensively revised. Most importantly, substantial content has been added to represent the evolution of risk-related research. A new chapter, Insurance Demand II: Nontraditional Approaches, provides a timely addition in view of recent developments in risk theory and insurance. Previous discussions of Enterprise Risk Management, long-term care insurance, adverse selection, and moral hazard have all been updated. In an effort to expand the global reach of the text, evidence and research from the U.S. and China have also been added.
Competition, Regulation, and the Public Interest in Nonlife 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. To ensure a quality reading experience, this work has been proofread and republished using a format that seamlessly blends the original graphical elements with text in an easy-to-read typeface.We appreciate your support of the preservation process, and thank you for being an important part of keeping this knowledge alive and relevant.
Insuring Against Climate Change
This book provides one of the first systematic in-depth studies on regional catastrophe risk pools. It explores the various goals of these new financial instruments, illustrating how they function on a conceptual, technical and practical level, and reconstructs their political genesis.
A Pre-Modern Cultural History of Risk
This book answers the need for a contextual, long-term and interpretative analysis of risk from original sources and will be of great interest to students and scholars of risk management.
Land Tax in Australia
Land Tax in Australia demonstrates how land tax operates and is administered across State and local governments in Australia. International expert Vincent Mangioni reviews the current status and emerging trends in these taxes in Australia and compares them with the UK, USA, Canada, Denmark and New Zealand. Using substantial original research, the author sets out what Australia must do through practice and policy to reform and bring this tax into the 21st Century.The need for fiscal reform and strengthening the finances of Australia's sub-national government is long overdue. These reforms aim to minimise the taxpayer revolts encountered in previous attempts at land tax reform, while improving tax effort in line with other advanced OECD countries. This book provides an essential resource for all property professionals working in development, valuation, law, investment, as well as accountants, tax economists and government administrators. It is highly recommended for students on property, taxation, legal and social science courses.
The Healthcare Collapse
The evolution of the healthcare system in the U.S. has seen numerous changes in the last 30 years where fee-for-service was the mainstay of reimbursement models and hospitals were managed by physicians and patient care was key. The early 1990's saw the emergence of HMOs and other managed care models with physicians handing over leadership roles to corporate entities whose main concern was the bottom line and profitability while patient care and satisfaction suffered. The Healthcare Collapse: Where We've been and Where We Need to Go explores the low morale of physicians in this corporate healthcare culture as well as the expansion of hospitals owned by corporations. The author focuses on recovering healthcare morals and return value to the individuals who provide active care and not just business. This book also examines the possible repercussions of Medicare and Medicaid while address the question of single payer healthcare.This book looks at where healthcare has been, what has worked and what hasn't, and recommends solutions to create a system that focuses on the patient and providing quality care in this age of reimbursement cuts, demands for better technology and providing a safer environment for both the patient and clinicians who work in hospitals. The author also advocates for a shift in management and recommends hospitals leaders engage physicians and other clinicians in process improvement and other initiatives which can result in a more efficient system - one where quality patient care dominant. The book also outlines programs which can be championed by hospitals such as patient engagement activities, community health and other outreach and education programs.
Selected Issues in Global Health Communications
This book was written to give scholars an opportunity to examine selected issues in health communication. There are many challenges in health communication, such as the shortage of evaluations on social marketing interventions, the need for a framework to easily apply social marketing practices to campaigns, and the difficulty of applying theory to improve communication. To address these challenges, the four chapters, including an introductory chapter, introduce several health communication topics, including social marketing, the application of theory, and message design to promote social communication. Readers can expect concise topic overviews with clear steps and examples of how to apply the methods discussed in each chapter.
The Security Risk Assessment Handbook
The third edition has expended coverage essential topics such as threat analysis, data gathering, risk analysis, and risk assessment methods and added coverage of new topics essential for current assessment projects (e.g., cloud security, supply chain management, security risk assessment methods).
Market Tremors
Provides a consistent framework for dealing with credit and positioning riskIncludes practitioner examples and techniques for adjusting traditional risk measures Applies Mean Field Theory to reduce the dimensionality of the problem dramatically
Nexus of Care
Author and Entrepreneur Phillip Berry contends that self-funded employers have many options to address the healthcarechallenges we face and that the health centers in which we've invested present our most powerful option for healthcare costs and outcomes.Using lessons learned from working with hundreds of employer-sponsored health centers across the United States, Berry offersa point of view, a model, and a path forward for those seeking to leverage an onsite or nearsite health center as the nexus ofcare for their employees. Nexus of Care: Fulfilling the Promise of Employer-Sponsored Health Centers challenges us to see a future in which employers actively influence the care of employees while managing the return on their healthcare investment, and then offers a roadmap to making it a reality.
Direct Real Estate Duration Risk, Total Risk and the Residential Mortgage Life Insurance (Rmli)
Chapter 1 compares the direct real estate (DRE) duration Beta estimates with the time-varying Beta regression estimates, for each of the three prime DRE sectors. Except for the prime office sector, both the duration Beta and the time-varying Beta profiles follow the same general trend. The luxury residential sector and the prime office sector are inclined to move in opposite direction. However, the prime office sector shows greater volatility in the duration Beta compared with the time-varying Beta. Chapter 2 demonstrates overall that in the presence of a set of limited available information comprising a direct real estate (DRE) asset's passing (annual) rent, the current rental value, the expected yields and the yield-growth movements from a DRE sector analysis, conducted by a DRE consultancy or service provider, the risk-free rate and the lease maturity period; it is readily feasible to model and rigorously estimate several key risk measures and the expected total returns (TRs). Such a model and its estimations can be achieved through an ex-ante integrated DRE risk-measure model, which innovatively combines the bond duration-convexity risk conception, the Beta distribution function, and the DRE equivalent (rental) yield valuation conception. Finally, Chapter 3 looks at the structural and behavioural experience of the prepayment risk for the underlying mortgages of China's rapidly developing residential mortgage life insurance (RMLI) market. A reliable private prepayment dataset for China's commercial center - the city of Shanghai - is deployed. Chapter 3 estimates the relationship between RMLI's underlying mortgage prepayment risk and the observable macroeconomic factors, loan specific factors and borrower specific characteristics. A Cox proportional hazard model is adopted for this purpose. Chapter 4 summarises the book's findings and highlights the contributions and recommendations made
Direct Real Estate Duration Risk, Total Risk and the Residential Mortgage Life Insurance (Rmli)
Chapter 1 compares the direct real estate (DRE) duration Beta estimates with the time-varying Beta regression estimates, for each of the three prime DRE sectors. Except for the prime office sector, both the duration Beta and the time-varying Beta profiles follow the same general trend. The luxury residential sector and the prime office sector are inclined to move in opposite direction. However, the prime office sector shows greater volatility in the duration Beta compared with the time-varying Beta. Chapter 2 demonstrates overall that in the presence of a set of limited available information comprising a direct real estate (DRE) asset's passing (annual) rent, the current rental value, the expected yields and the yield-growth movements from a DRE sector analysis, conducted by a DRE consultancy or service provider, the risk-free rate and the lease maturity period; it is readily feasible to model and rigorously estimate several key risk measures and the expected total returns (TRs). Such a model and its estimations can be achieved through an ex-ante integrated DRE risk-measure model, which innovatively combines the bond duration-convexity risk conception, the Beta distribution function, and the DRE equivalent (rental) yield valuation conception. Finally, Chapter 3 looks at the structural and behavioural experience of the prepayment risk for the underlying mortgages of China's rapidly developing residential mortgage life insurance (RMLI) market. A reliable private prepayment dataset for China's commercial center - the city of Shanghai - is deployed. Chapter 3 estimates the relationship between RMLI's underlying mortgage prepayment risk and the observable macroeconomic factors, loan specific factors and borrower specific characteristics. A Cox proportional hazard model is adopted for this purpose. Chapter 4 summarises the book's findings and highlights the contributions and recommendations made
Countering Cyber Threats to Financial Institutions
Exploring the negative social impact of cyber-attacks, this book takes a closer look at the challenges faced by both the public and private sectors of the financial industry. It is widely known amongst senior executives in both sectors that cybercrime poses a real threat, however effective collaboration between individual financial institutions and the public sector into detecting, monitoring and responding to cyber-attacks remains limited. Addressing this problem, the authors present the results from a series of interviews with cybersecurity professionals based in Canada in order to better understand the potential risks and threats that financial institutions are facing in the digital age. Offering policy recommendations for improving cybersecurity protection measures within financial institutions, and enhancing the sharing of information between the public and private sector, this book is a timely and invaluable read for those researching financial services, cybercrime and risk management, as well as finance professionals interested in cybersecurity.
Lebensversicherungstechnik algebraisch verstehen
Das vorliegende Buch beleuchtet die Kalkulation und die Analyse von Lebensversicherungsvertr瓣gen aus technischer Sicht. Es setzt sich zum Ziel, die entsprechenden formalen Zusammenh瓣nge algebraisch zu motivieren und verzichtet darauf, die 羹blichen Kalkulationsobjekte bzw. die standardisierte Nomenklatur zu verwenden. Ein solcher Blickwinkel f羹hrt dann beispielsweise dazu Rechnungsgrundlagen als HADAMARD-invertierbare Vektoren aufzufassen, Bewertungen mittels des Skalarprodukts darzustellen, Lebensversicherungen als Elemente bestimmter Orthogonalr瓣ume zu interpretieren oder das Deckungskapital als spezielles Element eines affinen Raumes zu identifizieren. Auf diese Weise wird sich herausstellen, dass sich herk繹mmliche versicherungstechnische Darstellungen (und die entsprechenden Inhalte) als Spezialisierungen eines viel allgemeineren Zugangs ergeben. Indem hier die algebraischen Zusammenh瓣nge, die die Lebensversicherungstechnik bestimmen, in den Vordergrund ger羹ckt werden, ergibt sich ein (zus瓣tzliches) Verst瓣ndnis f羹r die aktuariellen Eigenschaften, die mit einem Lebensversicherungsvertrag verbunden sind.
Reliability, Maintainability and Risk
Reliability, Maintainability and Risk: Practical Methods for Engineers, Tenth Edition has taught reliability and safety engineers techniques to minimize process design, operation defects and failures for over 40 years. For beginners, the book provides tactics on how to avoid pitfalls in this complex and wide field. For experts in the field, well-described, realistic and illustrative examples and case studies add new insights and assistance. The author uses his more than 40 years of experience to create a comprehensive and detailed guide to the field, while also providing an excellent description of reliability and risk computation concepts. The book is organized into many parts, covering reliability parameters and costs, the history of reliability and safety technology, a cost-effective approach to quality, reliability and safety, how to interpret failure rates, a focus on the prediction of reliability and risk, a discussion of design and assurance techniques, and much more.
Own Your Risk
DON'T CHASE SMALL CHANGE. YOU COULD BE LEAVING BIG DOLLARS ON THE TABLE. Forget about shopping for quotes to save money on insurance. There are better, more profitable ways to turn big premiums into bottom-line gains--while doing business more effectively overall. If your company pays about a half-million or more in annual premiums, these strategies are well worth a look. Author Brad Johnson has helped many midsize companies take control of their costs and risks. He offers this book as a concise, practical guide to finding the path that will work best for you. "Owning your risk" simply means taking responsibility for your situation--and controlling the flow of your money. Insurance companies can be great partners for managing risk, but they shouldn't dictate the terms of the relationship. As the book clearly shows, insurance companies are set up to win at your expense, regardless of the claims they pay on your behalf. Own Your Risk lays out steps for turning the tables in your favor. These can range from retaining risk via deductibles to joining a group captive, all underpinned by a focus on safety and loss control. And whatever you do, see the chapter on 51 tips for saving money right away.
The Right Price
The US prescription drug business is a $500 billion industry whose rising prices carry profound consequences for patients, caregivers, employers and taxpayers across the nation. In the United States, average prices of leading brand-name drugs are two to four times higher than prices charged in other wealthy countries, raising questions as to what Americans are getting for the extra expense. On the other hand, healthy industry returns have arguably fueled life-saving innovation. With the advent of ever more targeted and powerful treatments, including cell- and gene-based therapies with multi-million-dollar price tags, the need for sensible drug pricing policies will only intensify. The Right Price sheds light on the controversial topic of drug pricing by providing an accessible guide to pharmaceutical markets and analytic techniques used to measure the value of drug therapies. It illustrates the need for value-based pricing through real-life stories of patients and their experiences with the drug industry and explains why simple solutions like price controls and the importation of cheaper drugs from other countries are problematic. This volume describes how researchers and policy makers have pursued drug valuation efforts in the past, and lays out a series of recommendations, based on years of shared author experience serving on national drug policy platforms, for how to further improve pharmaceutical value assessment in the United States. With unique industry insights and clear narrative, The Right Price unveils why the pricing of drugs continues to be so challenging and how public and private officials can create more informed policies to achieve the right balance between drug pricing and value.
Enterprise Risk Management
Enterprise Risk Management: Advances on its Foundation and Practice relates the fundamental enterprise risk management (ERM) concepts and current generic risk assessment and management principles that have been influential in redefining the risk field over the last decade.
Enterprise Risk Management
Das Buch stellt Methoden zur Messung von Unternehmensrisiken sowie die Grundlagen einer wertorientierten Unternehmenssteuerung aus der Sicht des Risikomanagements vor. Eine kapitelweise Lernkontrolle erm繹glicht den Lernerfolg. Anhand von Fallstudien wird die Praxisrelevanz eines holistischem Enterprise Risk Managements veranschaulicht.
Virtually There
Recent global events have completely changed the way we view and do business-especially meetings. For some organizations, this adjustment was a welcomed change. For others, it is a painful nightmare that still hasn't ended. Living and leading through a global pandemic has taught us all a few things, including how to use technology to meet virtually. For many boards, virtual meetings will continue to be the norm; in fact, some may choose not to meet in person again as a matter of preference, efficiency, and cost savings. Whether you have already made that decision or are weighing the pros and cons of meeting online versus in person, Virtually There provides insights and practical tips on how to make the most of these important online gatherings.
Virtually There
Recent global events have completely changed the way we view and do business-especially meetings. For some organizations, this adjustment was a welcomed change. For others, it is a painful nightmare that still hasn't ended. Living and leading through a global pandemic has taught us all a few things, including how to use technology to meet virtually. For many boards, virtual meetings will continue to be the norm; in fact, some may choose not to meet in person again as a matter of preference, efficiency, and cost savings. Whether you have already made that decision or are weighing the pros and cons of meeting online versus in person, Virtually There provides insights and practical tips on how to make the most of these important online gatherings.
The Practice of Lending
Provides a comprehensive guide to assessing creditworthiness, quantifying and rating credit risk, and modelling default likelihood​Presents both principles and practical applications aimed at beginners in their credit careersCovers a cross-section of industries including service, commercial real estate, and commercial banking​
Analyzing Financial Data and Implementing Financial Models Using R
The Evolution of Yield Management in the Airline Industry
This book chronicles airline revenue management from its early origins to the last frontier. Since its inception revenue management has now become an integral part of the airline business process for competitive advantage. The field has progressed from inventory control of the base fare, to managing bundles of base fare and air ancillaries, to the precise inventory control at the individual seat level. The author provides an end-to-end view of pricing and revenue management in the airline industry covering airline pricing, advances in revenue management, availability, and air shopping, offer management and product distribution, agency revenue management, impact of revenue management across airline planning and operations, and emerging technologies is travel. The target audience of this book is practitioners who want to understand the basics and have an end-to-end view of revenue management.
InsurTech - Digitalizing the Insurance Industry
Innovation is becoming increasingly important for the insurance industry as a tool for competition, making the case for digital transformation even more relevant. This book is intended to give you an introduction to the subject of what InsurTech is, possibilities and risks connected to it and a forward-looking analysis on the role of InsurTech the coming years - when you have finished reading this book, you will hopefully have gained a few ideas on how the insurance sector will transform digitally the coming years and how this may affect your business.
How to Sell Annuities
Do you ever wonder how some people sell annuities like hot cakes and yet you haven't sold a single annuity in over a year? Not everyone starts out know the tips and hints to take them to the top of annuity sales. This book might be helpful on your journey selling insurance. Selling Annuities isn't like selling life insurance. It takes a slightly different approach and this book will give you something to think about next time you are prospecting for annuities. I've put some strategies, some prospecting ideas and some overall helpful hints.
A Study on Ego State Affecting Income and Retention Rate of the Insurance Planner
In this study, the researcher investigated the influence of the ego state, a field of personality psychology, among various factors that influence insurance planners' income and retention rates. For this, the researcher utilized the ego state test proposed in the theory of transactional analysis. Transactional analysis is a theoretical system for human behavior or transactions and is widely used today for the improvement of interpersonal relationships, personal growth, and change. Considering that the settlement rate of life insurance planners in the 13th month was 38.2% as of 2019, insurance planners with less than one year of service were excluded from research subjects. Besides, since some insurance planners do not have insurance sales as their main business, research subjects were limited to insurance planners whose income resulting from the insurance sales accounted for more than 50% of the monthly income. The analysis results are as follows. First, no significant relationship was found in the effect of the life insurance planner's ego state on monthly income. Second, it was found that the life insurance planner's adult (A) ego state had a significant effect on the retention rate. Third, it was found that the life insurance planner's retention rate had a significant effect on the monthly income. Fourth, it was found that the number of insurance contracts was another factor affecting the monthly income of life insurance planners. Through this study, it can be seen that insurance planners with a high adult (A) ego state have a high retention rate, which in turn leads to income increase. Based on these research results, if a transactional analysis counseling program that can increase the adult (A) ego state of insurance planners is developed and applied to insurance planners, the retention rate will be also improved through improved interpersonal and communication skills and rational counseling. The high retention rate will lead to improved consumer confidence in the insurance industry, which will contribute to the qualitative growth of the Korean insurance industry.
Analysing Intraday Implied Volatility for Pricing Currency Options
This book focuses on the impact of high-frequency data in forecasting market volatility and options price. New technologies have created opportunities to obtain better, faster, and more efficient datasets to explore financial market phenomena at the most acceptable data levels. It provides reliable intraday data supporting financial investment decisions across different assets classes and instruments consisting of commodities, derivatives, equities, fixed income and foreign exchange. This book emphasises four key areas, (1) estimating intraday implied volatility using ultra-high frequency (5-minutes frequency) currency options to capture traders' trading behaviour, (2) computing realised volatility based on 5-minute frequency currency price to obtain speculators' speculation attitude, (3) examining the ability of implied volatility to subsume market information through forecasting realised volatility and (4) evaluating the predictive power of implied volatility for pricing currency options. This is a must-read for academics and professionals who want to improve their skills and outcomes in trading options.
Reactive Risk and Rational Action, 6
Reactive Risk and Rational Action: Managing Moral Hazard in Insurance Contracts offers a sophisticated anatomy of how insurers confront losses that change precisely because insurance exists. Rather than treating pricing as a purely actuarial exercise, the book shows why markets "thin" when incentives shift and why insurers embed hierarchy inside contracts to steady calculation. Beginning with a clear definition of reactive risk--loss probabilities that move in response to policyholder behavior--the author reframes moral hazard as a strategic interaction, not just a pricing nuisance. Core chapters track how institutions convert reactive risks into fixed ones: aligning incentives through deductibles, coinsurance, and experience rating; relocating key safeguards to third parties (building codes, inspection regimes, classification societies); and continuously re-valuing property to preserve indemnity and deter fraud. Through tightly argued case studies--urban fire insurance, risks at sea, and surety bonding--the book ties rating and underwriting practices to real-world constraints like distance from decision makers, information asymmetries, and organizational control. Bridging decision theory and the economics of institutions, the study demonstrates how insurance markets endure only when contracts create a "community of fate" between insurer and insured--making prevention, not just payout, the common objective. Methodological notes on how insurers model individuals and organizations complement analyses of warranties, sue-and-labor clauses, general average, salvage, and valuation rules, revealing why some hazards prove insurable and others do not. The concluding theory of reactive risk connects calculation to governance: when incentives and oversight are designed well, insurers can price rare events without inviting them; when they are not, markets unravel. The enduring takeaway is crisp and consequential: managing moral hazard is less about better odds and more about better institutions--insurance works when contracts strategically reshape behavior so that markets can function at all. This title is part of UC Press's Voices Revived program, which commemorates University of California Press's mission to seek out and cultivate the brightest minds and give them voice, reach, and impact. Drawing on a backlist dating to 1893, Voices Revived makes high-quality, peer-reviewed scholarship accessible once again using print-on-demand technology. This title was originally published in 1985.
The Beneficiary in Life Insurance
The Beneficiary in Life Insurance consists of ten lectures by leading authorities explaining the principles of designating and protecting the beneficiary.
An Analysis of Government Life Insurance
This book is a volume in the Penn Press Anniversary Collection. To mark its 125th anniversary in 2015, the University of Pennsylvania Press rereleased more than 1,100 titles from Penn Press's distinguished backlist from 1899-1999 that had fallen out of print. Spanning an entire century, the Anniversary Collection offers peer-reviewed scholarship in a wide range of subject areas.
Life Insurance Housing Projects
This book is a volume in the Penn Press Anniversary Collection. To mark its 125th anniversary in 2015, the University of Pennsylvania Press rereleased more than 1,100 titles from Penn Press's distinguished backlist from 1899-1999 that had fallen out of print. Spanning an entire century, the Anniversary Collection offers peer-reviewed scholarship in a wide range of subject areas.
The Economic Theory of Risk and Insurance
This book is a volume in the Penn Press Anniversary Collection. To mark its 125th anniversary in 2015, the University of Pennsylvania Press rereleased more than 1,100 titles from Penn Press's distinguished backlist from 1899-1999 that had fallen out of print. Spanning an entire century, the Anniversary Collection offers peer-reviewed scholarship in a wide range of subject areas.
From Possum to Caviar
This brief autobiography is written for my descendants and for those who come after me. From a reader's perspective, it may appear egotistical and it is meant to be. The purpose is to invite a look in my rearview mirror to learn what I am all about.
Risk and Uncertainty in a Post-Truth Society
This edited volume looks at whether it is possible to be more transparent about uncertainty in scientific evidence without undermining public understanding and trust. This book will be of great relevance to students, scholars and policy makers with an interest in risk analysis.
Ford Mustang
The Great American Icon! - Special Launch PriceAmerican car companies are continually striving to innovate changes in how we see, operate, and make connections with cars. The classic car market taps into a simpler time and invokes a feeling of nostalgia. Mustangs are undoubtedly among the most popular classic cars-they were a hit right off the production line, and 56 years later, they still rank among the top-selling cars and are recognized as a household name. Ford's first pony car remains one of the longest-running sports car nameplates in the United States, second only to the Chevy Corvette. The Mustang has set records time and again with its sales, building on its reputation as the classic car that made its way to American homes.These milestones helped perpetuate the nostalgic standing that draws people to the pony car. The Mustang has left an imprint on the hearts and minds of many Americans, whether it was a memorable first car experience, the project car that brought people together, or memories created while cruising, parking, or doing burn-outs.It appeals to consumers for other reasons too. At its inception, the Mustang brought a race-care level of performance and speed to the average American. While suburbia was enjoying upward mobility, car lovers were introduced to an affordable sports car that was also easy to work on. Those defining characteristics-accessible, fast, and affordable-continue to shape Ford's marketing strategy to this day.The Mustang's performance is wrapped up in the ideals of American individualism. A variety of appealing and performance-enhancing trim options from the factory, plus an endless supply of after-market parts, ensure that you can modify and customize to your heart's content. Whether it's the performance you are after, sentiment, or just an affordable sports car, the Ford Mustang surely fits the bill.The array of Mustangs produced in its lifetime via creative collaborations, advertising promotions, fan-club upgrades, and even Ford's own special projects are too numerous to detail in a single publication. Anyone, from the most fervent enthusiasts to Camaro owners can appreciate this fun collection of Mustang morsels. Or if your intent is to impress your next date or occupy time on the porcelain throne, we hope you enjoy this trivia book!Click "Buy Now" To Get Your Copy Today!
Agent to Agency
For Insurance people, business leaders, and intrapreneurs looking to do things differently with better results. If you are like I was, you have been trying to find a way to get out of the same routine but always ending up with the same results. You want more freedom but are too afraid to take the leap of faith. You want more leads but do not know how to find them. You want to manage an awesome team but nothing seems to be impactful enough, or you are scared of doing it the wrong way. You feel you could convert more sales, if you just had access to the secret recipe that works well for others. You want to run your own insurance business the right way but it is hard to start and keep up with the momentum of a well oiled machine. I'm here to help you with all of that. In this book, you will find the solution to building your insurance business that will allow you to scale faster, stronger and with more longevity than the competition. It will show how to sell more policies with high sale conversions from anywhere. Any time. By revealing the strategies we used to build our million dollar organization online, while maintaining amazing client relations that promote the maximum amount of referrals. It will give you the ability to build an insurance business with wisdom by unveiling successes that can be emulated and explaining our mistakes, so you do not repeat them. It will provide the tools and knowledge you need to lead a team with confidence so you can promote, grow and maintain with more ease. The insurance industry is ever changing and this book will allow you to build a vehicle that is easily adaptable to any insurance company you work with, giving you the efficiency, freedom, and ownership you deserve.
Persuasive Selling for Relationship Driven Insurance Agents
With so many books to read and so little time to read, why do you want to pick up Persuasive Selling for Relationship Driven Insurance Agents? Simple, because you want to help your insurance clients and boost your sales at the same time. "Persuasive Selling is a rare find, uncomplicating the intricate process of relationship sales with streamlined principles of human psychology. It's a gem." - Robert B. Cialdini, Ph.D., author of Influence Science and Practice But don't be mistaken, this book is for more than just insurance agents. Anyone, agency or company, in the industry will benefit from reading Persuasive Selling for Relationship Driven Insurance Agents. Why? Because we all have to sell ourselves and our ideas. Even if you're not in insurance you'll benefit from understanding the sales process and how to ethically persuade at every step. "Your basic recipe in this book is how to have winning relationships. Certainly, influencing people is part of that for many roles, but Brian's message is as important to a spouse, parent, child, bricklayer, janitor, lawyer, etc., as it is to someone selling insurance." - Dean Hildebrandt, President, Assurex Global Insurance is a noble industry because it serves two primary functions: 1) insurance helps people get back on their feet after something bad has happened, and 2) insurance stimulates our economy. Despite those noble functions, buying insurance isn't a "feel good" purchase like getting a new car, big screen television, or buying a new home. Unlike those, you hope you never have to use your insurance products. That makes insurance a necessary evil in the eyes of many people, an expense most would rather do without. As an insurance agent you have a lot going against you. But there's hope! When you understand the psychology of persuasion - what causes one person to say yes to another - helping people fill their insurance needs becomes much easier. "Brian Ahearn understands the insurance business and what it takes to win as an agent." - Tony Burkhart, President, Burkhart Insurance Agency, Inc. What will you get from reading this book? Here is just a sampling of what you'll learn: Learn scientifically proven psychology that will make it easier for clients to say yes to the protection you know they need.Find out what psychology is best to use during each step of the sales cycle.See how to DEAL with different personality types.Understand how to build relationships quicker, easily deal with objections, and close more sales without coming across as "salesy".Learn from real world insurance examples and case studies.Read this book to increase your book of business, create an easier sales process, and actually enjoy working with your clients.
Closing the Wealth Gap
America's widening wealth gap has caused people like Warren Buffet to publicly say, "Rich people have too much money!" The United States is quickly becoming a nation with two distinct economic societies-the haves and the have-nots! The new economy also comes with a new set of rules. The number one rule is this: you're on your own! However, you do have a choice. Take control of your personal finances and become a wealth builder, or keep doing what you're doing. I hope that you choose the former. Let's close America's wealth gap. Either way, I'll leave it up to you!
The Demand for Life Insurance
Explores the new theoretical/methodological framework with machine learning technique to understand the demand for life insurance; Surveys the existing literature covering life insurance and understanding its adoption rates Offers practical findings and implications for financial planners
Management of Risks Under the Companies Act, 2013
The Hon. Minister of Finance and Corporate Affairs introduced on 6th March 2020 in the Lok Sabha, the Companies (Amendment) Act, 2020 {Bill No.88 of 2020}. In the statement of Objects and Reasons for introducing the Bill, she stated, inter alia that as part of the constant endeavor of the Government to facilitate greater ease of living to law abiding corporates certain provisions of the Act are proposed to be decriminalized to provide further ease of living for corporates in the country. Several provisions of the Act related to defaults which lacked any element of fraud or do not involve larger public interest were decriminalized. Yet the continuing "less serious punishments" are serious enough for the Directors to be complacent.There are still 26 sections providing for punishment under section 447 as Cognizable Offence; 20 sections attracting Imprisonment and Fine; 8 sections imposing Imprisonment or Fine or Both; and 1 section providing for Imprisonment or Fine.This book can guide those Directors who have less knowledge on the compliance requirements under the Act, its rules and secretarial procedures. It is believed that this handbook shall enthuse them to adopt personal risk mitigation measures such as good reading of the agenda papers, seek additional information from companies to prepare and effectively participate at the meetings and where considered appropriate obtain expert independent advice...
Value in Healthcare
Value is created in an industry when quality and experience are balanced with an appropriate cost. Until recently, though, value creation through improved quality and/or experience has not been an intentional priority of healthcare. A major cause of our misguided efforts is our disconnected volume-based, fee for service healthcare model, paid by a third party that is not the actual consumer of the services and that only incentivizes price and volume. This disconnect of purpose and priorities leaves patients, providers, and staff to feel like widgets, commodities, and cogs in the healthcare delivery machine we have operated since the early 20th century. As the healthcare costs in the US continue to go up without an offsetting rise in quality outcomes or patient (or provider) experience, the quest for value has begun. This book explores the key differences between a volume-based health system versus one focused on value, and it offers a framework for value creation, based on the principles of Population Health Management. Patient risks need to be identified, individualized plans of care must be built, and the execution of the plan must be performed in a communicative and collaborative manner, longitudinally supporting and guiding the patient using an appropriate application of relationship and technology. By active creation of value in healthcare, we can rein in costs while improving quality outcomes and experience of the patients and providers. Such a system will allow patients to feel cared for as we guide them on their path toward the optimization of their health and well-being.
