For undergraduate and graduate courses in Life and Health Insurance, Life Insurer Operations, and Financial Planning. Keeping students on the forefront of today's dynamic financial services industry, this clearly written survey examines life and health insurance simultaneously from the viewpoints of the buyer, the advisor, and the insurer. Current, accurate, and detailed, it provides a comprehensive and unbiased treatise on individual and group insurance. The text offers a thorough examination of life insurance company operations and regulation. Explaining how life and health insurance products fit into the broad framework of financial planning from a financial management perspective, it now strengthens its treatment of fundamentals with more economic and financial theory, and helps clarify the industry's global standing with numerous comparisons between U.S. and international practices.
I. INTRODUCTION TO LIFE AND HEALTH INSURANCE. 1. Economic Security and the Economics of Life and Health Insurance. 2. Life and Health Insurance Pricing Fundamentals. 3. The History and Importance of Life and Health Insurance. II. TYPES, USES, AND EVALUATION OF LIFE AND HEALTH INSURANCE. Individual Life and Health Insurance Policies. 4. Introduction to Life and Health Insurance Products. 5. Whole Life Insurance Policies. 6. Universal Life Insurance Policies. 7. Health Insurance Policies. 8. Annuities and Optional Benefits.Life and Health Insurance Evaluation. 9. Life and Health Insurance Contracts: I.10. Life and Health Insurance Contracts: II.11. Insurance Advisor and Company Evaluation.12. Life Insurance Policy Evaluation.Uses of Life and Health Insurance in Personal and Business Planning. 13. Life and Health Insurance Taxation.14. Life and Health Insurance in Personal Financial Planning.15. Estate Planning.16. Retirement Planning.17. Business Planning.Government and Employee Benefit Plans. 18. Group Insurance.19. Health Care Plans: I.20. Health Care Plans: II.21. Retirement Plans.22. Social Insurance. III. THE MANAGEMENT, OPERATION, AND REGULATION OF LIFE INSURANCE COMPANIES. Overview of Life Insurance Management and Operation. 23. Life Insurance Company Organization and Management.24. Marketing Life and Health Insurance.Underwriting Life and Health Insurance. 25. Life and Health Insurance Underwriting: I.26. Life and Health Insurance Underwriting: II.Pricing Life and Health Insurance. 27. Life and Health Insurance Actuarial Principles.28. Net Premiums.29. Life Insurance Reserves and Cash Values.30. Gross-Premium Rate Structures and Nonguaranteed Policy Elements.31. The Pricing of Health Insurance.Financial Management and Reporting. 32. Life Insurer Financial Management: I.33. Life Insurer Financial Management: II.34. Life Insurer Financial Reporting.Regulation and Taxation. 35. Regulation and Taxation of Life and Health Insurance.
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- ID: 9780138912505
13th Revised edition
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