Principles of Risk Management and Insurance 11th Edition Rejda Solutions Manual
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Principles of Risk Management and Insurance 11th Edition Rejda Solutions Manual.
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Principles of Risk Management and Insurance 11th Edition Rejda Solutions Manual
Product details:
- ISBN-10 : 0136117023
- ISBN-13 : 978-0136117025
- Author:
Complete and current coverage of major risk management and insurance topics. Focusing primarily on the consumers of insurance, this text blends basic risk management and insurance principles with consumer considerations.This edition addresses the unprecedented events that have occurred in today’s economy, highlighting the destructive presence of risk to readers.
Table contents:
PART ONE BASIC CONCEPTS IN RISK MANAGEMENT AND INSURANCE
1(90)
Risk in Our Society
2(17)
Different Definitions
3(1)
Chance of Loss
4(1)
Peril and Hazard
5(1)
Classification of Risk
6(1)
Major Personal Risks and Commercial Risks
7(5)
Burden of Risk on Society
12(1)
Techniques for Managing Risk
12(3)
Summary
15(1)
Key Concepts and Terms
16(1)
Review Questions
16(1)
Application Questions
17(1)
Internet Resources
18(1)
Selected References
18(1)
Notes
18
Case Application
15
Insight 1.1: Have Heath Insurance? Think You’re Well Protected? Think Again!
9(10)
Insurance and Risk
19(24)
Definition of Insurance
20(1)
Basic Characteristics of Insurance
20(2)
Characteristics of an Ideally Insurable Risk
22(2)
Two Applications: The Risks of Fire and Unemployment
24(2)
Adverse Selection and Insurance
26(1)
Insurance and Gambling Compared
26(1)
Insurance and Hedging Compared
26(1)
Types of Insurance
27(3)
Benefits of Insurance to Society
30(1)
Costs of Insurance to Society
31(3)
Summary
35(1)
Key Concepts and Terms
35(1)
Review Questions
35(1)
Application Questions
36(1)
Internet Resources
36(1)
Selected References
37(1)
Notes
37
Case Application
34
Insight 2.1: Insurance Fraud Hall of Shame—Shocking Examples of Insurance Fraud
33(1)
Insight 2.2: Don’t Think Insurance Fraud Is Committed Only by Hardened Crooks
34(5)
Appendix Basic Statistics and the Law of Large Numbers
39(4)
Introduction to Risk Management
43(19)
Meaning of Risk Management
44(1)
Objectives of Risk Management
44(1)
Steps in the Risk Management Process
45(1)
Identify Loss Exposures
46(1)
Measure and Analyze the Loss Exposures
46(1)
Select the Appropriate Combination of Techniques for Treating the Loss Exposures
47(7)
Implement and Monitor the Risk Management Program
54(1)
Benefits of Risk Management
55(1)
Personal Risk Management
55(3)
Summary
58(1)
Key Concepts and Terms
59(1)
Review Questions
59(1)
Application Questions
59(1)
Internet Resources
60(1)
Selected References
61(1)
Notes
61
Case Application
58
Insight 3.1: Advantages of Self Insurance
50(6)
Insight 3.2: Show Me the Money—How Much Do Risk Managers Earn?
56(6)
Advanced Topics in Risk Management
62(29)
The Changing Scope of Risk Management
63(5)
Insurance Market Dynamics
68(4)
Loss Forecasting
72(3)
Financial Analysis in Risk Management Decision Making
75(3)
Other Risk Management Tools
78(2)
Summary
80(1)
Key Concepts and Terms
81(1)
Review Questions
81(1)
Application Questions
81(1)
Internet Resources
82(1)
Selected References
83(1)
Notes
83
Case Application
80
Insight 4.1: The Rise of the Weather Risk Management Market
73(12)
Appendix Risk Management Application Problems
85(6)
PART TWO THE PRIVATE INSURANCE INDUSTRY
91(82)
Types of Insurers and Marketing Systems
92(16)
Overview of Private Insurance in the Financial Services Industry
93(1)
Types of Private Insurers
94(5)
Agents and Brokers
99(2)
Types of Marketing Systems
101(2)
Group Insurance Marketing
103(1)
Summary
104(1)
Key Concepts and Terms
104(1)
Review Questions
104(1)
Application Questions
105(1)
Internet Resources
105(1)
Selected References
106(1)
Notes
107
Case Application
103
Insight 5.1: Show Me the Money—How Much Do Insurance Agents Earn?
100(8)
Insurance Company Operations
108(22)
Insurance Company Operations
109(1)
Rating and Ratemaking
109(1)
Underwriting
110(3)
Production
113(1)
Claims Settlement
114(1)
Reinsurance
115(5)
Alternatives to Traditional Reinsurance
120(1)
Investments
121(3)
Other Insurance Company Functions
124(5)
Summary
125(1)
Key Concepts and Terms
126(1)
Review Questions
126(1)
Application Questions
127(1)
Internet Resources
127(1)
Selected References
128(1)
Notes
129
Case Application
125
Insight 6.1: Be a Smart Consumer—Check Your Insurer’s Claims Record
116(5)
Insight 6.2: New Proposals for Dealing with Mega-Catastrophes
121(9)
Financial Operations of Insurers
130(19)
Property and Casualty Insurers
131(6)
Life Insurance Companies
137(1)
Rate Making in Property and Casualty Insurance
138(4)
Rate Making in Life Insurance
142(1)
The Financial Crisis and Insurers
142(1)
Summary
143(2)
Key Concepts and Terms
145(1)
Review Questions
145(1)
Application Questions
145(1)
Internet Resources
146(1)
Selected References
147(1)
Notes
147
Case Application
143
Insight 7.1: How Profitable Is the Property and Casualty Insurance Industry?
136(13)
Government Regulation of Insurance
149(24)
Reasons for Insurance Regulation
150(2)
Historical Development of Insurance Regulation
152(1)
Methods for Regulating Insurers
153(1)
What Areas Are Regulated?
154(7)
State Versus Federal Regulation
161(2)
Current Problems and Issues in Insurance Regulation
163(5)
Summary
168(1)
Key Concepts and Terms
169(1)
Review Questions
169(1)
Application Questions
169(1)
Internet Resources
170(1)
Selected References
171(1)
Notes
171
Case Application
168
Insight 8.1: Quality of Information Provided to Consumers on Auto and Homeowners Insurance Varies Widely Among State Insurance Departments
151(8)
Insight 8.2: 2008 Annual Ranking of Automobile Insurance Complaints
159(14)
PART THREE LEGAL PRINCIPLES IN RISK AND INSURANCE
173(36)
Fundamental Legal Principles
174(19)
Principle of Indemnity
175(3)
Principle of Insurable Interest
178(1)
Principle of Subrogation
179(2)
Principle of Utmost Good Faith
181(2)
Requirements of an Insurance Contract
183(1)
Distinct Legal Characteristics of Insurance Contracts
184(2)
Law and the Insurance Agent
186(2)
Summary
188(1)
Key Concepts and Terms
189(1)
Review Questions
189(1)
Application Questions
190(1)
Internet Resources
191(1)
Selected References
191(1)
Notes
191
Case Application
188
Insight 9.1: Corporation Lacking Insurable Interest at Time of Death Can Receive Life Insurance Proceeds
180(2)
Insight 9.2: Auto Insurer Denies Coverage Because of Material Misrepresentation
182(1)
Insight 9.3: Insurer Voids Coverage because of Material Misrepresentations in Proof of Loss
182(11)
Analysis of Insurance Contracts
193(16)
Basic Parts of an Insurance Contract
194(3)
Definition of “Insured”
197(1)
Endorsements and Riders
197(1)
Deductibles
198(2)
Coinsurance
200(2)
Coinsurance in Health Insurance
202(1)
Other-Insurance Provisions
202(2)
Summary
204(1)
Key Concepts and Terms
205(1)
Review Questions
205(1)
Application Questions
206(1)
Internet Resources
206(1)
Selected References
207(1)
Notes
207
Case Application
204
Insight 10.1: Will Your Auto Insurance Cover You When You Drive Another Person’s Car?
198(11)
PART FOUR LIFE AND HEALTH RISKS
209(206)
Life Insurance
210(33)
Premature Death
211(1)
Financial Impact of Premature Death on Different Types of Families
212(1)
Amount of Life Insurance to Own
213(6)
Types of Life Insurance
219(6)
Variations of Whole Life Insurance
225(8)
Other Types of Life Insurance
233(3)
Summary
236(2)
Key Concepts and Terms
238(1)
Review Questions
238(1)
Application Questions
238(2)
Internet Resources
240(1)
Selected References
241(1)
Notes
241
Case Application
236
Insight 11.1: What Accounts for the Lower Life Expectancy in the United States?
212(12)
Insight 11.2: Cash-Value Life Insurance as an Investment—Two Important Considerations
224(9)
Insight 11.3: Be a Savvy Consumer—Four Life Insurance Policies to Avoid
233(10)
Life Insurance Contractual Provisions
243(24)
Life Insurance Contractual Provisions
244(6)
Dividend Options
250(1)
Nonforfeiture Options
251(2)
Settlement Options
253(5)
Additional Life Insurance Benefits
258(4)
Summary
263(1)
Key Concepts and Terms
263(1)
Review Questions
264(1)
Application Questions
264(1)
Internet Resources
264(2)
Selected References
266(1)
Notes
266
Case Application
262
Insight 12.1: Is This Death a Suicide?
246(6)
Insight 12.2: Which Dividend Option Is Best for You?
252(10)
Insight 12.3: What Is a Life Settlement? Examples of Actual Cases
262(5)
Buying Life Insurance
267(21)
Determining the Cost of Life Insurance
268(4)
Rate of Return on Saving Component
272(2)
Taxation of Life Insurance
274(1)
Shopping for Life Insurance
275(3)
Summary
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