Fundamentals of Risk and Insurance

RISK AND INSURANCE The Problem of Risk The Insurance Device Risk Management The Fields of Insurance The Private Insurance Industry Regulation of the Insurance Industry Functions of Insurers Finanical Aspects of Insurer Operations The Legal Framework LIFE AND HEALTH INSURANCE Managing Personal Risks Social Insurance Programs Introduction to Life Insurance The Actuarial Basis of Life Insurance The Life Insurance Contract General Provisions The Life Insurance Contract Other Provisions Special Life Insurance Forms Buying Life Insurance Annuities and Pension Benefits Managing the Retirement Risk Health Insurance: Disability Income Insurance Health Insurance Coverage for Medical Expenses Health Insurance for the Elderly Employee Benefits and Other Business Uses of Life and Health Insurance PROPERTY AND LIABILITY INSURANCE The Homeowners Policy General Provisions The Homeowners Policy Forms Other Personal Forms of Property Insurance Negligence and Legal Liability General Liability Insurance for the Individual The Automobile and Its Legal Environment The Personal Auto Policy Commercial Property Insurance Commercial Liability Insurance Surety Bonds and Credit Insurance Insurance in the Future Appendix Indexes.