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.
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.
Sustainability and Financial Risks
Fosters debate on the under-explored relationship between sustainability and financial risksReflects the growing interest of practitioners, academics, financial institutions and policymakers in creating sustainable financial systemsProposes corporate risk management frameworks that take into account the effects of climate change and social inequality on financial markets
Values, Ergonomics and Risk Management in Aviation Business Strategy
1. Organizational Values and Culture: The Management & Organization Psychology.- 2. Value-based Enterprise Risk Management: Ergonomics, Ethics and Organizational Structure Considered Approach.- 3. Situational Awareness in AViation Business: Multi-cultural Business Environment.- 4. Enterprise Risk Management in Aviation Management and Strategy.- 5. Decision Making in Aviation Management: Multi-criteria Problem Solving.- 6. An Innovative, Human Behavious and Social Psychology Based Approach to Risk Analysis Tools and Techniques: Strategic Risk Mapping.- 7. Crisis Management in Aviation Business and Strategy: Organizational Behaviour based Perspective.
Pass the Missouri Insurance Exams
Make no mistake. The exams to become a Missouri-licensed property and casualty insurance producer are TOUGH. Kick off your new career with the help of this extensive study guide. The guide covers the national and state-specific topics on the exam outlines in a clear and concise manner, and the included practice tests will determine your understanding of the need-to-know concepts. Study with confidence, and pass the first time!
Tagesplaner 2021 1 Tag 2 Seiten
Tagesplamer 2021gro?es Format ca Din A4HardcoverTerminplaner 1 Doppelseite pro TagMonatsplanerJahres羹bersichtNotizenKontakte
Power Position Your Agency
Troy Korsgaden's timeless classic Power Position Your Agency is now available for Kindle! Don't waste time--get your copy today and grow your Agency!Are you working too many hours for too few clients? Does it seem that you do more paperwork than peoplework? Will you spend more hours on the road than in front of people this year?Whether your agency is big or small, if you answered yes to any of those questions, you need more than an adrenaline boost! You need a shot of strategies to wake things up and put you on the path to success fast. * How to get appointments with 10 clients every day* How to find qualified clients and get them to come to you* How to get clients in and out of your office in 30 minutes--or less!You'll also discover how to ramp up for success with something you already have but probably overlook, why some clients don't make sense for your agency, and what you need for an effective sales pitch.Get the help you need by putting Troy Korsgaden on your side. His strategies have made a difference for the thousands of agents who have attended his seminars across the country. They can make a difference for you too!
PERT Study Guide 2021-2022
Updated for 2021, Trivium Test Prep's unofficial, NEW PERT Study Guide 2021-2022: Exam Prep Review and Practice Questions for the Florida Postsecondary Education Readiness Test isn't your typical exam prep! Because we know your time is limited, we've created a product that goes beyond what most study guides offer. With PERT Study Guide 2021-2022, you'll benefit from a quick but total review of everything tested on the exam with current, real examples, graphics, and information. These easy to use materials give you that extra edge you need to pass the first time.FLDOE was not involved in the creation or production of this product, is not in any way affiliated with Trivium Test Prep, and does not sponsor or endorse this product.Trivium Test Prep's PERT Study Guide 2021-2022 offers: A full review of what you need to know for the PERT examPractice questions for you to practice and improveTest tips to help you score higherTrivium Test Prep's PERT Study Guide 2021-2022 covers: MathReadingWriting...and includes a FULL practice test! About Trivium Test PrepTrivium Test Prep is an independent test prep study guide company that produces and prints all of our books right here in the USA. Our dedicated professionals know how people think and learn, and have created our test prep products based on what research has shown to be the fastest, easiest, and most effective way to prepare for the exam. Unlike other study guides that are stamped out in a generic fashion, our study materials are specifically tailored for your exact needs.We offer a comprehensive set of guides guaranteed to raise your score for exams from every step of your education; from high school, to college or the military, to graduate school. Let our study guides guide you along the path to the professional career of your dreams!
The Insurance Professional’s Practical Guide to Workers’ Compensation
This book details the modern workers' compensation system and its operation within the statutory, contractual and juridical world in which the coverage exists. Legal and contractual concepts are concretely demonstrated using simple and accurate explanations.Concepts explained in this book include: what constitutes a compensable injury, who are general contractors responsible for insuring, second injury funds, the borrowed servant doctrine, employers' liability coverage, when additional states must be added to the policy, audits, and a detailed description of how to interpret experience modification factors. The appendices combine to provide a synopsis of specific work comp laws and injury reporting requirements for every state.
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.
Strategisches Risikomanagement F羹r Verteilnetzbetreiber Im Liberalisierten Energiemarkt
Die harten Wettbewerbsbedingungen im liberalisierten Strom-/Gasmarkt f羹hren immer wieder zu Insolvenzen von Energieanbietern (Lieferanten), die bei zahlreichen Gl瓣ubigern hohe finanzielle Sch瓣den verursachen. Eine gro?e Betroffenheit zeigt sich bei den Verteilnetzbetreibern, deren Lieferantenbeziehung auf besonderen energiewirtschaftlichen Vorgaben beruht und bestehende Ans瓣tze der Betriebswirtschaft zur risikobewussten Gestaltung der Lieferantenbeziehung nicht einfach 羹bertragen l瓣sst. Kerstin Eiselbrecher entwickelt ein strategisches Risikomanagementmodell, das den Verteilnetzbetreibern unter Beachtung der energiewirtschaftlichen Rahmenbedingungen und speziell ausgew瓣hlter Risikofaktoren einen praxisgerecht gestalteten Risikomanagementprozess mit Handlungsempfehlungen zur fr羹hzeitigen Erkennung/Bewertung, Handhabung und ?berwachung des Lieferantenrisikos aus Insolvenzen und Anfechtungen an die Hand gibt. Durch die zentrale Position der Verteilnetzbetreiber in der Supply Chain derEnergieversorgung kann ihr Handeln auch dem Risiko weiterer mit den Lieferanten verbundener Marktpartner entgegenwirken. Dr. Kerstin Eiselbrecher promovierte nebenberuflich bei Frau Prof. Dr. Iris Hausladen am Heinz Nixdorf-Lehrstuhl f羹r IT-gest羹tzte Logistik an der HHL Leipzig Graduate School of Management. Sie verf羹gt 羹ber eine langj瓣hrige Berufserfahrung in der Energieversorgung und referierte auf Tagungen zum Forderungsmanagement der Verteilnetzbetreiber. Schon w瓣hrend ihres Studiums an der Technischen Universit瓣t M羹nchen, Deutschland und der University of Canterbury, Neuseeland widmete sie sich energiewirtschaftlichen Fragestellungen. Ihren wissenschaftlichen Fokus legt sie auf die Verkn羹pfung energiewirtschaftlicher und betriebswirtschaftlicher Elemente sowie die Verbindung von Theorie und Praxis.
Top 25 Ways an IUL can Secure Your Financial Future
In Mark's third book, learn why Indexed Universal Life Insurance (IUL) has become a new asset class--protecting investors from both taxes and market declines. Why many American families are using IUL as a hedge against inflation, rising taxes and even how they grow their wealth during a recession. Learn how the right IUL can be used to build your personal tax-free family bank--to borrow for investing in real estate, stocks and bonds, to expand your business, and generate returns far greater than the majority of investors. Finally, learn how an IUL can help you grow your retirement accounts and help protect you from running out of money during your retirement years, and why the wealthy always use Other People's Money (OPM) in all their investing...and how you can too!
Insurance Agency 4.0
Prepare for the FutureDevelop Your Digital Road MapIncrease Profit, Scalability, and TimeWe are currently in the Fourth Industrial Revolution, where digital capabilities are providing velocity to all prior developments. This includes the insurance industry and independent insurance agents. Do you have a digital strategy? The insurance industry and independent insurance agencies have been slow to adapt to change, but change is here. Insurance Agency 4.0 brings together the digital evolution of insurance agencies and presents a wholistic view of the future agency. Main Street staples like bookstores, travel agents, and music stores have been disintermediated and their products moved online and into self-service; but insurance's complex nature has kept the local insurance agent viable. However, consumers are becoming better educated, price wars blast across all advertising, and people expect the same digital experiences across all parts of their lives, including with their insurance agent. Insurance Agency 4.0 will help agency owners and managers develop a custom path to modernize their business strategy relative to their people, marketing, operations, service, and sales while developing a practical approach to: - Discover and Analyze Your Starting Point- Develop Your Strengths, Weaknesses, Opportunities, and Threats- Build and Execute Your Customized Strategic Digital Plan
Selling Benefits
Lessons Learned - Voyages Travelled - Stories SharedThis is not just a book about selling employee benefits, another sales manual or a book about sailing trips and travelling the world. SELLING BENEFITS is all that and more, in an easy and entertaining read. You will enjoy and make use of the lessons shared to improve both yourself and your practice. Your business relationships will thrive and be more successful.Dave shares his learnings from his long term business partnerships and through those you will better understand: - How to establish lifelong relationships no one will be able to break- Lessons to help strengthen client partnerships- How to build client loyalty that won't be compromised- Ways of using storytelling to make business lessons stick.You will leave with many practical take-aways you can put to work immediately to improve your business and be more successful.
The Secret Art of Selling Insurance
Attract the right clients who will step-up your sales game! 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, to become 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. You can master the secret art of selling insurance that will save you both time and money. You only need guidance to make money in an effective, compassionate, and ethical way. In The Secret Art of Selling Insurance, award-winning educator and top sales producer Ana-Maria Figueredo helps you to level-up your sales game by teaching you to: - Clearly identify who needs your products and why they should buy them from you exclusively - Pursue your clients in a non-invasive way to make them feel at ease - Pinpoint how to meet the right people for success without wasting your time and resources - Identify what makes your solutions special to stand out from the competition - Get the reputation of being the go-to insurance professional in your circle to grow your referrals and business leads organically Learn industry secrets, find the right insurance customers, and get the professional recognition you deserve!
Risk Communication for the Future
The conventional approach to risk communication, based on a centralized and controlled model, has led to blatant failures in the management of recent safety related events. In parallel, several cases have proved that actors not thought of as risk governance or safety management contributors may play a positive role regarding safety. Building on these two observations and bridging the gap between risk communication and safety practices leads to a new, more societal perspective on risk communication, that allows for smart risk governance and safety management. This book is Open Access under a CC-BY licence. This work was published by Saint Philip Street Press pursuant to a Creative Commons license permitting commercial use. All rights not granted by the work's license are retained by the author or authors.
Risk Communication for the Future
The conventional approach to risk communication, based on a centralized and controlled model, has led to blatant failures in the management of recent safety related events. In parallel, several cases have proved that actors not thought of as risk governance or safety management contributors may play a positive role regarding safety. Building on these two observations and bridging the gap between risk communication and safety practices leads to a new, more societal perspective on risk communication, that allows for smart risk governance and safety management. This book is Open Access under a CC-BY licence. This work was published by Saint Philip Street Press pursuant to a Creative Commons license permitting commercial use. All rights not granted by the work's license are retained by the author or authors.
Malaysian Motor Insurance Industry
Customer loyalty is critical for success and sustainable business performance for all corporation and is even vital in the case of non-life insurance industry where the products offer is highly credence, intangible and complex. The industry deregulation, changing customer behaviour, and sluggish economy spiral the insurance customer switching behaviour, which seriously eroding customer loyalty. The prime objective of this study is to examine the interplay effect of service quality, service fairness, relationship satisfaction, gratitude and trust on customer loyalty among the motor insurance policyholder in Malaysia. It was conducted based on 399 respondents, selected on convenience sampling approach and employed Structural Equation Modeling (SEM) technique. The principal findings showed that all the constructs understudied have a significant relationship with trust and trust found significantly and positively relates to customer loyalty among the motor insurance customer in Malaysia. Further, trust and relationship satisfaction played a partial mediator role in the determination of customer loyalty. In addition, it demonstrate the importance of trust as the satisfying relationship exchange together with the fairness perception and gratitude feeling in elevating and enhancing customer loyalty. These results delineated the offering of quality service or fairness of treatment by the insurer will not be necessary to achieve higher customer loyalty. The findings also offer useful and practical insights for insurance industry players and policymakers for effective customer retention and relationship management strategy. This study is considered as the first attempt to theoretically integrates the variable of service quality, service fairness, relationship satisfaction, gratitude and trust together with customer loyalty in a holistic and integrated framework to examine their interdependency influence. Moreover, it also contribute to the enrichment of scarce relationship marketing literature for credence services such as Malaysian non-life insurance industry.
Risk Premium & Management - an Asian Direct Real Estate (Dre) Perspective
This book is concerned with the unique findings, contributions and recommendations made on several crucial issues, relating to the concomitant subjects of direct real estate (DRE) risk premiums and DRE risk management. Chapter 1 examines the institutional nature of legal origin and the total returns (TRs), from investing in a country's DRE and via the adoption of a multi-factor arbitrage pricing theory (APT) model. Chapter 2 affirms the true historical volatility to be a reasonable estimation of international DRE risk premiums, when the autoregressive lag orders of the de-smoothed returns and the multi-factor model are taken into account. Chapter 3's real world of international DRE investing counts on sustainable international DRE investing, imperative for the investing organization's willingness and preparedness to effectively manage risk or uncertainty, early enough as part of the risk management cycle, in pursuing high risk-adjusted TRs for DRE assets. Chapter 4 recommends a model of the intuitive build-up approach of forming the DRE investment hurdle rates for new DRE investing. The resultant DRE risk premiums serve a rough guide to ensure that the DRE hurdle rate is stringent and high enough, to achieve the risk-adjusted and Sharpe-optimal portfolio TR. Chapter 5 examines the integrated DRE investment strategy for a 13-city Pan Asia DRE portfolio, of office, industrial real estate and public listed DRE companies, adopting the analytic hierarchy process (AHP) and the Markowitz quadratic programming models. Such models enable the versatile strategic asset (SAA) and the tactical asset (TAA) allocations. Chapter 6 enables the DRE institutional investor to achieve a comprehensive and in-depth return and risk assessment at the DRE level for the 4 prime Asia residential sectors of Shanghai (SH), Beijing (BJ), Bangkok (BK), and Kuala Lumpur (KL), under the DRE VaR, incremental DRE VaR and the risk-adjusted return on capital (RAROC), Chapter 7 reiterates that public policies on macroeconomic management have to be consistent and non-conflicting in a widely accepted 'policy compact'. It is because the policies reinforce the fundamental investment value of large and complex developments, affecting the sustainable viability like the integrated resort (IR)-at-Marina-Bay, Singapore. Chapter 8 draws attention to the aftermath of the Asian economic crisis, terrorism and viral epidemics, that compel more DRE investors to risk-diversify their operations beyond their primary market into other parts of Asia. However, limited studies examine risk-reduction diversification strategies via split returns i.e. decomposing TRs into rental-yield returns and capital value (CV) returns. Chapter 9 proposes and recommends the intelligent building (IB) framework, via the fuzzy logic (FL) engine, leading to a robust measure of building intelligence, and a standard guideline for a consistent performance-based structure for the promotion of the correct IB classification.
Risk Premium & Management - an Asian Direct Real Estate (Dre) Perspective
This book is concerned with the unique findings, contributions and recommendations made on several crucial issues, relating to the concomitant subjects of direct real estate (DRE) risk premiums and DRE risk management. Chapter 1 examines the institutional nature of legal origin and the total returns (TRs), from investing in a country's DRE and via the adoption of a multi-factor arbitrage pricing theory (APT) model. Chapter 2 affirms the true historical volatility to be a reasonable estimation of international DRE risk premiums, when the autoregressive lag orders of the de-smoothed returns and the multi-factor model are taken into account. Chapter 3's real world of international DRE investing counts on sustainable international DRE investing, imperative for the investing organization's willingness and preparedness to effectively manage risk or uncertainty, early enough as part of the risk management cycle, in pursuing high risk-adjusted TRs for DRE assets. Chapter 4 recommends a model of the intuitive build-up approach of forming the DRE investment hurdle rates for new DRE investing. The resultant DRE risk premiums serve a rough guide to ensure that the DRE hurdle rate is stringent and high enough, to achieve the risk-adjusted and Sharpe-optimal portfolio TR. Chapter 5 examines the integrated DRE investment strategy for a 13-city Pan Asia DRE portfolio, of office, industrial real estate and public listed DRE companies, adopting the analytic hierarchy process (AHP) and the Markowitz quadratic programming models. Such models enable the versatile strategic asset (SAA) and the tactical asset (TAA) allocations. Chapter 6 enables the DRE institutional investor to achieve a comprehensive and in-depth return and risk assessment at the DRE level for the 4 prime Asia residential sectors of Shanghai (SH), Beijing (BJ), Bangkok (BK), and Kuala Lumpur (KL), under the DRE VaR, incremental DRE VaR and the risk-adjusted return on capital (RAROC), Chapter 7 reiterates that public policies on macroeconomic management have to be consistent and non-conflicting in a widely accepted 'policy compact'. It is because the policies reinforce the fundamental investment value of large and complex developments, affecting the sustainable viability like the integrated resort (IR)-at-Marina-Bay, Singapore. Chapter 8 draws attention to the aftermath of the Asian economic crisis, terrorism and viral epidemics, that compel more DRE investors to risk-diversify their operations beyond their primary market into other parts of Asia. However, limited studies examine risk-reduction diversification strategies via split returns i.e. decomposing TRs into rental-yield returns and capital value (CV) returns. Chapter 9 proposes and recommends the intelligent building (IB) framework, via the fuzzy logic (FL) engine, leading to a robust measure of building intelligence, and a standard guideline for a consistent performance-based structure for the promotion of the correct IB classification.
F & I Management Essentials
Begin this life changing career understanding, like anything else in life you will get out of this what you put in. If you skip pages, or fly through them, you will learn less than those who take their time, read each page a few times, and take notes. We want you to learn and exceed, so don't deny yourself a great experience! Best of luck, and we are very excited to be taking this journey with you!
Erm and Qrm in Life Insurance
Preface.- Introduction.- Enterprise Risk Management and Quantitative Risk Management .- The Risk Management process. - Risk Management for life insurance and life annuities. - Risk assessment and impact assessment in life insurance business. - Risk assessment and impact assessment in life annuity business. - Sensitivity testing for long-term care insurance products. - References.- Index
Property Truth Or Dare
Why take so much risk? Before you even start property investing there is risk. Risk of choosing a bad area, a bad property or even bad training. Then there's the risk of partnering the wrong people and doing the wrong things. It doesn't need to be this way. Keep your money in your pocket until you've read this book.Property Truth or Dare is the book written specifically for property investors in the 2020s. Full of facts and systems, it makes sense of a world where get rich quick and million pound promises are used to sell dreams which are often dares. Get a process for factchecking and get moving forward with property by absorbing this entertaining and disruptive book.
Life Insurance
Life Insurance: Will it Pay When I Die?By: Thomas W. Young "Tom's book brings to light the proper information about money and financial products that we, the consumer, need to know. Tom is a consumer advocate and he truly will teach you through this book how to maximize your money decisions. This is a "must read" book for anyone wanting to get the most out of their money decisions."-Jody Victor, Past President, IBOA "If there ever was a right book at the right time, this one is it. Tom makes the case that the right time for dealing with the complexities of life style and money is always now. Tom's book manages to bring to your attention a way to rethink the economics of life style. The notion that we can stop working "whenever we want to" doesn't stand a chance without applying the princes Tom provides to the equation."--D. Clayton, DMD If you're like most people, you spend more time and energy planning your vacations than your finances. Many people are uninformed about their monetary decisions because they don't understand how things like economics, finances, insurance, interest rates, and banking work. So they usually leave these areas lives to the "experts." But what if these so-called experts don't even have a full grasp of these concepts? In these cases, handing our money over to them can have tragic results. In Thomas W. Young's years of experience as an investment and retirement professional, he has seen many people's lives completely changed for the worse by their lack of financial knowledge. He wrote Life Insurance: Will it Pay When I Die? with the hope of helping readers avoid making bad choices that could eventually lead to financial ruin. Readers will come away with a better understanding of the life insurance industry and better equipped to make wise, sound, and beneficial financial decisions. About the AuthorThomas W. Young is an experienced retirement and investment professional and has been successful in financial and estate matters for over twenty-eight years. He has worked with thousands of couples and individuals over the years to help them make intelligent investments decisions concerning their retirement assets and to achieve security and peace of mind.Tom is a certified senior advisor and registered financial consultant. In addition, Tom earned the prestigious CLU designation from American College. Tom is a frequent lecturer and radio personality. His current radio show, "The Financial Coach," can be heard in the Beaver County, Pennsylvania area on WBVP 1230/WMBA 1460. Tom motivates individuals and groups nationally as a certified life coach and a certified human behavior consultant. Tom and his wife Thresa reside west of Pittsburgh in Beaver, Pennsylvania.
Pandemic Risk Management in Operations and Finance
Introduction.- Comparison with Past Pandemics.- System Dynamics Modeling of Contagion Effects.- Text Mining Support to Pandemic Planning.- Macroeconomic Impact.- Supply Chain Impact.- Debt Risk Analysis Using Two-Tier Networks.- The Effect of COVID-19 on the Banking Sector.- Assessment of Smart Healthcare Services.- Healthcare Efficiency Modeling.- Recapitulation.
Reactive Risk and Rational Action, Volume 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.
Quote, Bind, Sell, Repeat!
I ventured into the insurance industry by accident. I can remember the exact moment it happened. It was 2012 and I recently closed my night club after 12 long years of dealing with everything that came with the nightlife. Bar fights, alcohol liabilities, competition, law enforcement, etc. The money was awesome, but it did come with a price. My days often begun at 3:00 pm and ended at 6:00 am. I loved dealing with people on an everyday basis, but the life had taken its toll on me. I needed a change.I befriended a club DJ who was from Brooklyn, New York. Ironically, our stories were kind of similar he had just left the housing industry as an inspector and was Deejaying part time until he could get back into a successful trade industry. He mentioned a P&C insurance class he had signed up for and suggested I give it a try as well.My first response was. "Insurance, man I can't stand insurance, that stuff is boring and what is P&C?" He went on to say that he knew of a few insurance agents that were making six figure incomes and a P&C Insurance license was all that was required to start writing business and P&C stood for property & casualty. That sparked my interest so I agreed to sign up for the class, what could it hurt.Four 10-hour days of P & C insurance information was overwhelming to say the least. How could someone learn all of this in this small amount of time, study for the test, take the state exam and expect to pass; it seemed IMPOSSIBLE.Until I turned it into a 7-million-dollar business in just 4 years.
My Cash Value is King
What if everything you knew about cash value life insurance was wrong, wouldn't you want to know? If you think life insurance is only for the benefit of your loved ones, upon your death, then you are missing an opportunity. You owe it to yourself to change your mindset, get control of your money and make cash value life insurance your biggest asset. Employing the strategies in this book, you will learn how to never lose money again. Utilizing the strategies in this book will give you: - a safety net- guaranteed compound interest for life- tax-free money for retirement- pay for college- become your own banker- build generational wealth- provide a source of cash to purchase assets like real estate, stocks, or business. What other financial product can provide you with all these benefits without risks or fees?
Property and Casualty Insurance License Exam Study GuideProperty & Casualty Insurance Lice
Test Prep Books' Property and Casualty Insurance License Exam Study Guide: Property & Casualty Insurance License Exam Study Guide and Practice Test Questions [2nd Edition] Made by Test Prep Books experts for test takers trying to achieve a great score on the Property and Casualty exam. This comprehensive study guide includes: Quick Overview Find out what's inside this guide! Test-Taking Strategies Learn the best tips to help overcome your exam! Introduction Get a thorough breakdown of what the test is and what's on it! Types of Property Policies Covers sections such as Basic Insurance Principles, Insurable Risk, Risk Management, Property Insurance, Business Owner Policies and Commercial Insureds and Policies Property Insurance Terms and Related Concepts Covers the Property Insurance Terms and Related Concepts section Property Policy Provisions and Contract Law Covers the Property Policy Provisions and Contract Law section Types of Casualty Policies and Bonds Covers the Types of Casualty Insurance section Casualty Insurance Terms and Related Concepts Covers the Casualty Insurance section Casualty Policy Provisions Covers the Casualty Policy Provisions section Practice Questions Practice makes perfect! Detailed Answer Explanations Figure out where you went wrong and how to improve! Studying can be hard. We get it. That's why we created this guide with these great features and benefits: Comprehensive Review: Each section of the test has a comprehensive review created by Test Prep Books that goes into detail to cover all of the content likely to appear on the test. Practice Test Questions: We want to give you the best practice you can find. That's why the Test Prep Books practice questions are as close as you can get to the actual Property and Casualty test. Answer Explanations: Every single problem is followed by an answer explanation. We know it's frustrating to miss a question and not understand why. The answer explanations will help you learn from your mistakes. That way, you can avoid missing it again in the future. Test-Taking Strategies: A test taker has to understand the material that is being covered and be familiar with the latest test taking strategies. These strategies are necessary to properly use the time provided. They also help test takers complete the test without making any errors. Test Prep Books has provided the top test-taking tips. Customer Service: We love taking care of our test takers. We make sure that you interact with a real human being when you email your comments or concerns. Anyone planning to take this exam should take advantage of this Test Prep Books study guide. Purchase it today to receive access to: Property and Casualty review materials Property and Casualty practice questions Test-taking strategies
Rules of the Lending Game
Investing in property is the largest single financial transaction anyone will make. Property buyers usually concentrate their research on online search engines, looking at glossy photos of beautifully staged homes. Instead, they would be better off working out how much they will need to borrow, how they should structure their loan and who would be the best lender. Author and personal finance expert, Stuart Wemyss, admits that finding the right loan is a bit like a game of snakes and ladders. You run up the ladder when you think you've found the lowest interest rate, only to slide down the snake when you realise the fees are high and conditions are stringent. "Interest is the single largest lifetime expense for investors" says Stuart. "The amount of borrowings investors carry affects their net worth and their cash flow and can make or break their retirement goals. Getting their borrowing right and structuring their investments correctly can save a considerable amount of money - often thousands of dollars per year." To make sure you get your borrowing right, Stuart explains the Rules of the Lending Game in this fascinating book. It contains invaluable information on: Choosing the right loan products Calculating how much to borrow and how to reduce the overall cost Structuring loans to manage cash flow and create wealth Making the most of your equity.
Property Investment Secrets - The Ultimate Rent To Rent 2-in-1 Book Compilation - Book 1
Do You Want to Get Into the Property Game, Without Investing Huge Amounts of Money?!Here's How to Take Advantage of the Ludicrously Profitable Rent to Rent Strategy, by Investing in HMO's!This is a must-read property investing guide that will help you to find success in the property market with little-to-no start-up capital! With personal examples and practical solutions, this book has everything you need in order to achieve your greatest aspirations, become the best investor that you can be, and take the first steps towards financial freedom!You'll learn: How the Rent to Rent model works and ways to get started with minimal start-up capital.What Contracts and documentation you need to get started.The Rules and Regulations that need to be followed.How To Spot a Good Investment Opportunity and how to avoid the bad!How to Fill the Property with Reliable Tenants, Quickly!How to Expand your Property EmpireAnd much more!Why Choose This Rent to Rent Book?Sam Wellman is a seasoned-veteran property investor with years of experience under his belt, has created a foolproof quick-start guide that will take you by the hand and help you to start your property journey and lead the successful life you've always dreamt of."What if I'm already a successful Property Investor"or"I've already got some HMO's, will this book still help me?"This Property Investing book is written for you! EVERYONE can find ways to improve their investing knowledge, and find ways to work smarter and make more money! And who are comparing yourself to? You may be a 'Successful Investor' compared to your friends and family, but there's always someone more successful than yourself that can teach you a thing or two. This book is jam-packed with great information and tips - even if you only learn one thing from this book, it could increase your profit margins or the rate of your growth significantly!What Are You Waiting For?Click "Buy Now" & Start Growing your Property Empire Today!
Artificial Intelligence for Security
Artificial Intelligence (AI) for security management explores terminologies of security and how AI can be applied to automate security processes.Additionally, the text provides detailed explanations and recommendations for how implement procedures. Practical examples and real-time use cases are evaluated and suggest appropriate algorithms based on the author's experiences.Threat and associated securities from the data, process, people, things (e.g., Internet of things), systems, and actions were used to develop security knowledge base, which will help readers to build their own knowledge base. This book will help the readers to start their AI journey on security and how data can be applied to drive business actions to build secure environment.
Artificial Intelligence Design and Solution for Risk and Security
Artificial Intelligence (AI) Design and Solutions for Risk and Security targets readers to understand, learn, define problems, and architect AI projects.Starting from current business architectures and business processes to futuristic architectures. Introduction to data analytics and life cycle includes data discovery, data preparation, data processing steps, model building, and operationalization are explained in detail.The authors examine the AI and ML algorithms in detail, which enables the readers to choose appropriate algorithms during designing solutions. Functional domains and industrial domains are also explained in detail. The takeaways are learning and applying designs and solutions to AI projects with risk and security implementation and knowledge about futuristic AI in five to ten years.
Artificial Intelligence for Risk Management
Artificial Intelligence (AI) for Risk Management is about using AI to manage risk in the corporate environment.The content of this work focuses on concepts, principles, and practical applications that are relevant to the corporate and technology environments. The authors introduce AI and discuss the different types, capabilities, and purposes-including challenges.With AI also comes risk. This book defines risk, provides examples, and includes information on the risk-management process. Having a solid knowledge base for an AI project is key and this book will help readers define the knowledge base needed for an AI project by developing and identifying objectives of the risk-knowledge base and knowledge acquisition for risk. This book will help you become a contributor on an AI team and learn how to tell a compelling story with AI to drive business action on risk.
How to Stop Procrastinating
Procrastination Can Destroy Your Life and this bad habit is limiting your success in a variety of ways! How much time have you wasted procrastinating? It isn't easy to tell, but I am sure you can imagine. Common effects of procrastination: You could ruin your careerFinancial difficultiesYou will damage your reputationNegative feelingsYou will risk your healthPoor job performanceYou will blow opportunitiesThe solution is simple: This book is the must-have handguide for any procrastinator ready to make a change.Fatigue, pressure, stress, insomnia, and failure to achieve our life's ambitions are all too well-known pitfalls we face in our daily lives.This book will teach you how to stop procrastinating, kick your addictions, circumvent laziness, take control of your actions, and achieve your goals.You will learn: - How to Recognize the Warning Signs of Procrastination - The Types of Procrastinator- The workplace method- How to Developing discipline - Becoming Independent- Develop a long-term mindset- Keeping track of your successes- Step By Step 66 Day Plan: Daily Mantras and Challenges- And much, much more!This book is for anyone who struggles to take action. Whether you're a student, corporate executive, entrepreneur, or stay-at-home parent, the tactics described in this book can set the stage for a personal transformation.Whether you're someone who lets the occasional task slip through the cracks or you always do things at the last minute, you'll discover an abundance of information to overcome your procrastination tendencies.Learn How to Stop Procrastinating by Clicking the "Buy Now" Button at the Top of the Page.
One Hundred Years of Fire Insurance - Being a History of the Aetna Insurance Company Hartford, Connecticut 1819-1919
First published in 1919, this fascinating volume provides an overview of the history of the Aetna Insurance Company, beginning with their very first president and policy. A history of the Aetna Insurance Company is arguably a history of modern insurance itself, making this volume a must-read for those with an interest in the topic. Contents include: "Thomas K. Brace, First and Third President", "Section of Original Petition for Aetna Charter", "Original Entry in First Record Book", "Seal of Aetna Insurance Company", "First Aetna Advertisement", "Henry L. Ellsworth, Second President", "Page from Correspondence Book No. I", "Aetna Policy No. I","Aetna Office Building, 1837 to 1867", etc. William George Jordan (1864 - 1928) was an American lecturer, editor, and essayist. He is most famous for his self-help books, especially those on the subject of mental training and cognitive improvement. Other notable works by this author include: "Mental Training" (1894), "The Kingship of Self-Control" (1898), and "The Majesty of Calmness" (1900). Many vintage books such as this are becoming increasingly scarce and expensive. We are republishing this volume now in a modern, high-quality edition complete with a specially commissioned new biography of the author.
Degree of Leverage
This book establishes the relationship between leverage and financial performance of insurance companies. This book focuses on establishing empirical evidence about the nature of leverage insurance companies assume, and it indicates significant differences between the financial-performance indicators of insurance companies with age limit. Again, empirical evidence revealed that leverage negatively affects financial performance of insurance companies in Ghana. This book offers policy guideline on the level of leverage start-up and established firms with age category as the benchmark. The book has also provided recommendation on how to resolve issues of leverage related to the insurance sector.
The Patient Paradigm Shifts
The Patient Paradigm Shifts tells readers everything successful businesses need to know about the powerful new healthcare consumer. The dynamics of healthcare are shifting the patient paradigm in dramatic ways. The former patient is now both a consumer and a customer. The mantra of this new consumer is "convenient, fast, simple, and high value." Their expectations for healthcare are similar to what they experience in other industries such as transportation, banking, short-stay rental housing, retail shopping online, same-day deliveries, and more. Smart mobile devices enable the customer to conduct transactions at any place and at any time, and without waiting in line. Healthcare providers need to offer customer service experiences similar to Apple, Amazon, Nordstrom, and other benchmark companies in order to stay competitive. The mindset of the new patient-turned-consumer has fundamentally shifted and there is no looking back. Anyone connected to healthcare needs to learn the profiles of the new consumer, better understand their behaviors, and comprehend their expectations as customers who have a choice. The Patient Paradigm Shifts tells you everything a successful business needs to know about the powerful new healthcare consumer.
How to Grow Rich with Property Investment?
If you are the kind of person who is excited but struggling or fearful of investing in property then this book will empower you to generate passive income and build wealth through investing in property the right way.Principles and strategies in the book will show you how easy and simple it is to gain financial freedom through property investment. This book will reveal the hidden truths that will help you retire with the help of real estate investing within a very short span of time.This concise book will help you: Understand why real estate is the best investment instrument to create passive income and long term wealth How understanding the basic principles of real estate investing can help you avoid mistakes and accelerate your growth Learn strategies that will help you buy outstanding investment properties below market value. Get banks to approve your loans at best possible terms and interest rates Understand the maths (in simple terms) behind great investment decisions Choose between residential and commercial real estate investment opportunities Grab a copy of the book as the discounted offer may be removed at any time.
Risk and Win!
If you think risk management is a bit of meaningless management-speak, this is the book for you. The world is full of risks and they all need managing. In fact, we all manage risks all the time whether well or badly. Every decision we make involves making some assessment of the risks involved. Risk management is simply an attempt at doing it more explicitly, scientifically and, hopefully, effectively. In this book, readers will learn more about the whys and hows of risk management, and examples of how not to do it. I have tried to explain it in everyday language and show how it can be applied in a small business to your advantage.
An American Sickness
A New York Times bestseller - A Washington Post Notable Book - Named a Best Book of the Year by The Wall Street Journal and NPR "This book will serve as the definitive guide to the past and future of health care in America."--Siddhartha Mukherjee, Pulitzer Prize-winning author of The Emperor of All Maladies and The Gene At a moment of drastic political upheaval, An American Sickness is a shocking investigation into our dysfunctional healthcare system - and offers practical solutions to its myriad problems. In these troubled times, perhaps no institution has unraveled more quickly and more completely than American medicine. In only a few decades, the medical system has been overrun by organizations seeking to exploit for profit the trust that vulnerable and sick Americans place in their healthcare. Our politicians have proven themselves either unwilling or incapable of reining in the increasingly outrageous costs faced by patients, and market-based solutions only seem to funnel larger and larger sums of our money into the hands of corporations. Impossibly high insurance premiums and inexplicably large bills have become facts of life; fatalism has set in. Very quickly Americans have been made to accept paying more for less. How did things get so bad so fast? Breaking down this monolithic business into the individual industries--the hospitals, doctors, insurance companies, and drug manufacturers--that together constitute our healthcare system, Rosenthal exposes the recent evolution of American medicine as never before. How did healthcare, the caring endeavor, become healthcare, the highly profitable industry? Hospital systems, which are managed by business executives, behave like predatory lenders, hounding patients and seizing their homes. Research charities are in bed with big pharmaceutical companies, which surreptitiously profit from the donations made by working people. Patients receive bills in code, from entrepreneurial doctors they never even saw. The system is in tatters, but we can fight back. Dr. Elisabeth Rosenthal doesn't just explain the symptoms, she diagnoses and treats the disease itself. In clear and practical terms, she spells out exactly how to decode medical doublespeak, avoid the pitfalls of the pharmaceuticals racket, and get the care you and your family deserve. She takes you inside the doctor-patient relationship and to hospital C-suites, explaining step-by-step the workings of a system badly lacking transparency. This is about what we can do, as individual patients, both to navigate the maze that is American healthcare and also to demand far-reaching reform. An American Sickness is the frontline defense against a healthcare system that no longer has our well-being at heart.
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!
World Insurance Trends
Proceedings of the First International Insurance Conference, Philadelphia, Pennsylvania, May 1957
Life Insurance Trends at Midcentury
Legal reserve life insurance in the United States and Canada as a modern instrument for meeting the quest for economic security, has attained size and significance unparalleled elsewhere in the world. It holds in a fiduciary capacity more than $60 billion and affects the lives of half the population as owners of life insurance and annuity contracts. Still in process of evolution, it helps to shape the pattern of life and is at the same time being shaped by its own environment. This third volume of lectures issued under the auspices of the S. S. Huebner Foundation for Insurance Education deals with significant trends and problems in life insurance at the midpoint of the twentieth century. In so doing, it bears testimony to the vitality and adaptive power of this modem device for sharing one another's burdens.
The Company That Solved Health Care
Even with new health-care policies, one thing is clear: health-care costs will continue to rise dramatically. While individuals may get better coverage, businesses will have the same problem they've had for the last four decades. Health care, one of corporate America's largest expenses, is growing at double-digit rates, and nothing done in Washington will change that. But one medium-size company set out to tame the beast of rising health-care costs, employing best practices and cutting-edge ideas. The results have caused others to sit up and take notice. Serigraph, Inc., a Wisconsin-based manufacturer of decorative parts, and its chairman, John Torinus, did what Washington can't or won't do: reduce cost increases to less than 2 percent while improving the quality of health care for its employees. The implications for corporate America are staggering--the opportunity for genuine reform in an expense category that has been spiraling out of control. Serigraph began its initiative to control health-care costs in 2003, when its annual health-care bill was $5 million and another $750,000 was needed for the projected 15 percent annual increase. The company employed three strategies for reform, each of which can cut the health-care bill by 20 percent to 40 percent--consumer responsibility, the primacy of primary over specialty care and centers of value. Applied in concert with other management methods, these three approaches almost eliminated growth in health-care costs while improving the quality of employee care. The results are documented. They are beyond refute. The Company That Solved Health Care describes the fascinating details of Serigraph's program, and shows how any company can achieve similar results. This book is essential reading for any manager responsible for his or her company's health-care expenses, any academic or thinker involved in the health-care debate and anyone who wants to better understand why health-care costs have been rising and what can be done to achieve price stability while improving patient care.
The Consumer's Guide to Health Savings Accounts
"Let's get the consumer in the game. The idea behind HSAs is a 'supercharged IRA' for health care...No other program is as tax advantaged." -John W. Snow, Treasury Secretary "...HSAs can drastically lower an employer's costs of providing employee health benefits. This may allow more small businesses to offer such benefits." -Fed Brock, The New York Times "These accounts give workers the security of insurance against major illness, the opportunity to save tax-free for routine health expenses, and the freedom of knowing you can take your account with you whenever you change jobs." -President George W. Bush "Laing's new book (The Small Business Guide to HSAs) lives up to its name...an excellent explanation of how HSAs work..." -Greg Scandlen, The New York Post A breakthrough in health care for employees and employers alike, HSAs stand for "Health Savings Accounts." As of January 1, 2004, HSAs are a new option from the U.S. government, similar to an IRA, offering individuals a new, tax-sheltered way to accumulate savings. Tax-free dollars in HSAs may be withdrawn instantly for qualified medical expenses, rolled over without penalty for spending in future years, or invested, to accumulate savings to pay for health needs after retirement. The Consumer's Guide to HSAs answers the question "What's in it for Me?" But responsibility doesn't stop there. You must read your medical reports, check statements, and count your pills carefully. Ask questions. Keep records for future use, and soon you will realize as much of the benefits of consumer-driven health care and HSAs as possible. JoAnn Mills Laing has a Harvard MBA and global work and living experience with four public companies (Sara Lee, Olivetti, Chase and Citigroup), as well as running her own ecommerce-based businesses. As chairman of Cybernautics, a premier Audience Development Company, she took the company from idea to profitability and its purchase/IPO (by U.S. Web). Laing is currently President of Information Strategies, Inc., a marketing and information firm based in Fort Lee, New Jersey. She oversees the management of an online editorial service that reaches more than 1.7 million readers each month, and consults with corporations. Ms. Laing has been studying the HSAs marketplace and regularly polling individuals and businesses about healthcare issues. Further, she manages www.HSAfinder.com, the complete independent source for information on Health Savings Accounts for individuals and employers. Ms. Laing is author of The Small Business Guide to HSAs.
