Fundamentals of risk and insurance

目录
第一部分 风险、保险和风险管理
第1章 风险
风险的概念
风险的负担
不断增长的纯粹风险数目和种类
损失不断增加的严重性
管理风险
第2章 风险管理引论
现代风险管理的历史
定义风险管理
风险管理工具
作为一种商业功能的风险管理
对风险管理的误解
风险管理和个人
风险管理流程
第3章 保险机制
保险的本质和功能
保险的经济贡献
可保风险要素
自保
保险的领域
第4章 风险管理应用
风险管理决策
购买保险
商业保险的替代选择
第5章 私营保险业
私营保险历史概述
私营保险公司的分类
营销体系
保险业内的合作
保险业内的竞争
第6章 保险业的监管
政府为什么要实施保险监管
如今的保险监管
受监管领域
附录：保险可获得性/可支付性的讨论
第7章 保险公司的职能
保险人的职能
费率厘定
展业
承保
损失理算
投资职能
其他部门的作用
附录：追溯费率法
第8章 保险公司运营的财务状况
法定会计要求
保险公司的财产和负债
人寿保险公司
再保险
第9章 法律框架
保险和合同法
保险合同的特殊法律特征
第二部分 人寿保险和健康保险
第10章 管理个人风险
个人风险管理的目标
管理个人风险的其他步骤
管理与早逝有关的风险
与退休有关的风险
与残疾有关的风险
评估医疗费用
管理失业风险
第11章 人寿保险引论
人寿保险的独有特点
人寿保险合同的种类
1984法规的影响
现有人寿保险产品
人寿保险的一般分类
第12章 人寿保险的精算基础
人寿保险保费的计算
寿险保单准备金
确定给付保单和不确定给付保单
第13章 人寿保险合同——一般条款
人寿保险合同的开始
人寿保险合同的一般条款
人寿保险金给付选择
第14章 年金和退休金
年金
第15章 健康保险：残疾收入补偿保险
残疾收入补偿保险的一般特点
残疾收入补偿保险合同
个人健康保险的保险单条款
计划和购买残疾收入补偿保险
第16章 健康保险：医疗费用保险
现今健康保险的背景
健康保险市场
保险产品
第三部分 财产保险与责任保险
第17章 房主保单——一般条款
房主保单计划
房主保险Section Ⅰ的承保范围
其他条款
第18章 适用于个人的一般责任保险
责任保险概述
责任保险的种类
综合个人责任保险
职业责任保险
伞型责任保单
第19章 汽车及其法律环境
汽车保险概述
法律责任与汽车
汽车保险问题和民事侵权行为体系的变化
汽车保险的成本
汽车保险的变换视角
第20章 商业财产保险
商业财产保险
商业财产直接损失保险
商业财产间接损失保险
锅炉与机器保险
交通运输保险
国家洪灾保险计划
欺诈保险
商业企业的一揽子保单
总结
第21章 商业责任保险
雇主责任和劳工补偿
一般责任保险
商业汽车保险
航空保险
普通运输人责任保险
受托人保险
超额责任和伞型责任承保范围
第22章 保证保险和信用保险
保证保险
信用保险
信用增强保险
第23章 未来的保险
社会保险计划
法律环境的变化
保险业的变化
保险的全球化
一个新问题——恐怖主义的威胁
一些长期性问题
保险中的职业机会
结束语
术语表
SECTIONONE RISK,INSURANCE,AND RISK MANAGEMENT
Chapter1 The Problem of Risk
The Concept of Risk
The Burden of Risk
The Growing Number and Variety of Pure Risks
Increasing Severity of Losses
Managing Risk
Chapter2 Introduction to RiskManagement
The History of Modern Risk Management
Risk Management Defined
Risk Management Tools
Risk Management as a Business Function
Misconceptions about Risk Management
Risk Management and the Individual
The Risk Management Process
Chapter3 The Insurance Device
The Nature and Functions of Insurance
The Economic Contribution of Insurance
Elements of an Insurable Risk
Self-Insurance
The Fields of Insurance
Chapter4 Risk Management Applications
Risk Management Decisions
Buying Insurance
Alternatives to Commercial Insurance
Chapter5 The Private Insurance Industry
A Brief History of Private Insurance
Classification of Private Insurers
Marketing Systems
Cooperation in the Insurance Industry
Competition in the Insurance Industry
Chapter6 Regulation of the Insurance Industry
The Why of Government Regulation of Insurance
Regulation Today
Areas Regulated
Appendix：The Availability/Affordability Debate
Chapter7 Functions of Insurers
Functions of Insurers
Ratemaking
Production
Underwriting
Loss Adjustment
The Investment Function
Miscellaneous Functions
Appendix：Retrospective Rating Plans
Chapter8 Financial Aspects of Insurer Operations
Statutory Accounting Requirements
Property and Liability Insurers
Life Insurance Companies
Reinsurance
Chapter9 The Legal Framework
Insurance and the Law of Contracts
Special Legal Characteristics of Insurance Contracts
SECTIONTWO LIFE AND HEALTH INSURANCE
Chapter10 Managing Personal Risks
Objectives in Managing Personal Risks
Other Steps in Managing Personal Risks
Managing Risks Associated with Premature Death
The Risks Associated with Superannuation
The Risks Associated with Disability
Evaluating the Medical Expense Exposure
Managing the Risk of Unemployment
Chapter11 Introduction to Life Insurance
Some Unique Characteristics of Life Insurance
Types of Life Insurance Contracts
Impact of the 1984 Rules
Current Life Insurance Products
General Classifications of Life Insurance
Chapter12 TheActuarial Basis of Life Insurance
Life Insurance Premium Computation
Reserves on Life Insurance Policies
Benefit-Certain and Benefit-Uncertain Contracts
Chapter13 The Life Insurance Contract-General Provisions
Inception of the Life Insurance Contract
General Provisions of Life Insurance Contracts
Settlement Options
Chapter14 Annuities and Pension Benefits
Annuities
Chapter15 Health Insurance: Disability Income Insurance
General Nature of Disability Income Insurance
Disability Income Contracts
Individual Health Insurance Policy Provisions
Programming and Buying Disability Income Insurance
Chapter16 Health Insurance: Coverage for Medical Expenses
Background on the Current Health Insurance Market
The Health Insurance Market
The Insurance Product
SECTIONTHREE PROPERTY AND LIABILITY INSURANCE
Chapter17 The Homeowners Policy-General Provisions
The Homeowners Policy Program
Homeowners Section I Coverage
Other Provisions
Chapter18 General Liability Insurance for theIndividual
Liability Insurance in General
Types of Liability Insurance
Comprehensive Personal Liability Coverage
Professional Liability Insurance
Umbrella Liability Policy
Chapter19 The Automobile and its Legal Environment
A Brief Overview of Automobile Coverages
Legal Liability and the Automobile
The Automobile Insurance Problem and Changes in the Tort System
Cost of Automobile Insurance
The Shifting View of Auto Insurance
Chapter20 Commercial Property Insurance
Commercial Property Coverage
Commercial Property Direct Loss Coverages
Commercial Property Coverage for Indirect Loss
Boiler and Machinery Insurance
Transportation Coverages
The National Flood Insurance Program
Insurance against Dishonesty
Package Policies for Business Firms
Summary
Chapter21 Commercial Liability Insurance
Employers Liability and Workers Compensation
General Liability Insurance
Commercial Automobile Insurance
Aviation Insurance
Liability Insurance for Common Carriers
Insurance for Bailees
Excess Liability and Umbrella Liability Coverage
Chapter22 Surety Bonds and Credit Insurance
Surety Bonds
Credit Insurance
Credit Enhancement Insurance
Chapter23 Insurance in the Future
Social Insurance Programs
Changes in the Legal Environment
Changes in the Insurance Industry
Globalization of Insurance
A New Problem-The Terrorism Exposure
Some Persistent Problems
Career Opportunities in Insurance
Concluding Observation
Appendix A Glossary