风险管理和保险导论

书籍目录

Contents

1111

Preface xiii

Chapter 1 FUNDAMENTALS AND TERMINOLOGY

Chapter Objectives

Introduction

Insurance Defined Financial Definition Legal Definition Loss, Chance of

Loss, Peril, Hazard, and Proximate Cause Loss ChanceofLoss Peril and

Hazard Proximate Cause Risk Risk Management The Mathematical

Basis for Insurance A Mathematical Example of an Insurance System's

Operations Building Blocks of an Insurance Premium Four Basic

Components Cash Flow Underwriting The Benefits and Costs to Society

of Insurance Systems Costs Benefits Arson: Who Really Pays for

Insnred Losses Summary Review Terms Review Discussion

Questions Research Assignment Suggestions for Further Study 18

Chapter2 INSURABLE LOSS EXPOSURES

Chapter Objectives

Introduction

Gambling and Speculative Risks Ideally Insurable Loss Exposures

A Large Group of Similar Units Exposed to the Same PeriKs) Losses Must be

Accidental and Beyond the Insured's Control Losses Must be Definite,

Measurable, and of Sufficient Severity to Cause Economic Hardship

Catastrophic Losses When Only the People Most Exposed to Loss Want

Coverage, Insurance Becomes Unfeasible Risk Classification

Subsidization Adverse Selection Principles ofRisk Classification

Important Social Issues AIDS (Acquired Immune Deficiency Syndrome)

Automobile Insurance Pension Benefits Conclusion Branches of

Insurance Summary Review Terms Review Discussion

Questions Research Assignment Suggestionsfor Further Study

Chapter 3 RISK MANAGEMENT 1: ESSENTIALS

Chapter Objectives

Introduction

The Risk Management Function Risk Management Staff Statement of

Objectives and Principles The Risk Management Process Step One:

Identification and Measurement of Exposures Direct Property Losses

Loss oflncome Liability Losses Loss ofKey Personnel Estimation of

Maximum Loss Emergency Planning-Disastor Recovery Step Two: Loss

Control and Risk Financing Loss Control Risk Financing Step

Three: Regular Review of the Risk Management Program Chicago Tunnel

Collapse: A Risk Management Problem Summary Review Terms

Review Research Assignment: Case Study Suggestions for Further

Study Appendix: Personal Risk Management

Chapter 4 RISK MANAGEMENT 2: ADVANCED TOPICS

Chapter Objectives

Introduction

Risk Management Information Systems (RMIS) Loss Data Other

Information Deductibles and Policy Limits Financial and Other

Considerations British Petroleum: A Case Study Intemational Risk

Management Identification and Measurement of Exposures Development

and Implementation ofPlans Regular Review and Evaluation Foreign

Insurance Financial Risk Management Summary Review

Terms Review Discussion Questions Research Assignment

Suggestions for Further Study Case Study: Blue Star Airlines

Introduction The Story The Risk Management Process Facts and

Assumptions Assignment

Chapter 5 PRIVATE INSURANCE COMPANIES

Chapter Objectives

Introduction

Two Different Types of Insurance Companies Mutual Insurance

Companies Stock Insurance Companies Stock Versus Mutual: A

Consumer's Viewpoint Demutualization Lloyd's of London

Lloyd's ofLondon Is an Insurance Market Lloyd's History Typical

Transaction Lloyd's and the Risk Management Function American

Lloyds Other Legal Forms of Insurance Companies The Reciprocal

Exchange Fratemal Insurers Savings Bank Life Insurance Blue

Cross and Blue Shield Health Maintenance Organizations (HMOs) and

Preferred Provider Organizations (PPOs) Industrial Organization

Insurance Industry Summary Review Terms Review

Discussion Questions Research Assignment Suggestions for

Further Study Appendix: Insurance and Private Enterprise: The Potential

for Eastern Europe Introduction Why Insurance? Why Private

Insurance? Competition and Efficiency Essential Requirements of a Free

Enterprise (Capitalist) System The Requirements ofa Private Insurance

System Difficulties Starting a Private Insurance System in Eastern Europe

The Future

Chapter 6 INSURANCEOCCUPATIONS

Chapter Objectives

Introduction

Insurance Agents and Brokers Agency Law Insurance Brokers

Licensing Requirements Property and Liability Insurance Agents and

Brokers Life Insurance Agents and Brokers An Insurance Agent's

Duties Loss Adjuster Employees, Independent Adjustment

Bureaus, and Public Adjusters Adjusters Are Agents Underwriter

Property Insurance Underwriting Life Insurance Underwritmg

Underwriting and Privacy Actuary Attomey Finance

Other Occupations Summary Review Terms Review

Discussion Questions Research Assignment Suggestions for

Further Study Appendix: Legal Issues Involving Insurance Agents and

Brokers Case 1 Case 2 Appendix: The Ethical Choice

Introduction Vocabulary Ethical Norms Three Practice Cases

Suggestions for Further Study

Chapter 7 THE INSURANCE MARKET: THE ECONOMIC PROBLEM

Chapter Objectives

Introduction

Economic Theory Supply and Demand Historical Problems The

Insurance Consumer The Consumer's Choice: Company, Agent or Broker,

Policy, Amount, and Price Consumer Protection: The Role of the Courts,

the Law, and the Insurance Commissioner The Courts The Law

The Insurance Commissioner Summary Review Terms

Review Discussion Questions Research Assignment

Suggestions for Further Study Appendix: Further Consideration of

Supply and Demand Elasticity of Supply and Demandfor Insurance

Shifting Supply and Demand Curves 170

Chapter 8 INSURANCE REGULATION

Chapter Objectives

Introduction

Insurance Regulation The Reasons for Insurance Regulation

Solvency Unequal Knowledge and Bargaimng Power Prices

Promotion ofSocial Goals The History of Insurance Regulation Paul

v. Virginia Armstrong and Merritt Investigations South-Eastern

Underwriters Association (SEUA) The McCarran Act State or Federal

Regulation? State Insurance Regulation The National Association of

Insurance Commissioners (NAIC) Repeal of P.L.-15 Both Sides ofthe

Argument Regulated Activities Legal Reserves and Surplus

Regular Audits and Solvency Testing Guaranty Funds Rate

Regulations Investment Activities Policy Form Approval and Expense

Limitations Qualifications or Licensesfor Companies, Agents, Brokers, Loss

Adjusters, and Company Officers Consumer Complaints Taxation

Summary Review Terms Review Discussion Questions

Research Assignment Suggestions for Further Study Appendix:

The McCarran Act (P.L.-15)

Chapter 9 INSURANCE CONTRACTS

Chapter Objectives

Introduction

Contract Terminology Binder Conditional Receipt Elements of

a Valid Contract Offer and Acceptance Consideration

Capacity Legal Purpose Distinguishing Characteristics of Insurance

Contracts Principle ofIndemnity Insurable Interest ActualCash

Value Subrogation Contract ofAdhesion The Personal Feature

Utmost Good Faith (Latin: Uberrimae Fidei) The Entire Contract and

Incontestability Clauses The Aleatory Feature Discharge of Insurance

Contracts Summary Review Terms Review Research

Assignment Suggestions for Further Study Appendix: Cases for

Dscussion Material Misrepresentation Contract of Adhesion: The

Metpath Case Breach ofWarranty: General Chicken Case

Chapter 10 BASIC PROPERTY AND LIABILITY INSURANCE CONTRACTS

Chapter Objectives

Iritroduction

Standard Policies Basic Parts of an Insurance Policy

Declarations Insuring Agreement Deductibles Definitions

Exclusions Endorsements Conditions Fraud Suspension of

Coverage Cancellation Other Insurance Duties After a Loss

Appraisal Salvage Claims Payment Conclusion

Summary Review Terms: Review Case for Discussion:

Vacancy Clause Research Assignment Suggestions for Further

Study 235

Chapter 11 HOMEOWNERS INSURANCE

Chapter Objectives

Introduction

A General Description of the HO Insurance Policies Policy Layout

Declarations Definitions Section 1-Property Coverages

Additional Coverage Section 1--Perils Insured Against in the Broad

Form,HO-2 Specified Perils HO-2: Section 1-Exclusions

Ordinance-or-Law Exclusion Other Exclusions Section 1--

Conditions Loss Settlement Replacement Cost and Coinsurance

Reasonsfor the Coinsurance Requirement Mortgage Clause Section

2--Liability Coverages Section 2--Exclusions Claims Not Couered

Arisingfrom Bqdily Injury or Property Damage , Sections 1 and 2--

Conditions Endorsements Reduction of Insurance Resulting from

Previous Losses Summary Review Terms Review

Practice Questions Research Assignment Suggestions for Further

Study Appendix: Buying Homeowners Insurance 264

Chapter 12 THE PERSONAL AUTO POLICY

Chapter Objectives

Introduction

The Tort Liability System and Automobile Insurance: A Review Case The

Personal Auto Policy Layout Definitions Part A--Liability Limit

ofLiability Insureds Exclusions Part B--Medical Payments

Part C--Uninsured Motorist Coverage Coverage under the PAP

Contact or No-Contact Rules The State's Response to Uninsured Motorists

Underinsured Motorists Part D--Damage to Your Auto Loss

Settlement Part E--Duties After an Accident or Loss Part F--General

Provisions Summary Review Terms Review Practice

Questions Research Assignment Suggestions for Further Study

Chapter 13 COMMERCIAL PROPERTY INSURANCE

Chapter Objectives

Introduction

Commercial Insurance Commercial and Personal Property Ihsurahce

Property and Marine (Transportation) Insurance Commercial Package Policy

The Insurance Services Office (ISO) Building and Personal Property

Form Property Covered Property Excludedfrom Coverage Perils

Covered Fire Insurance History Definition ofFire Reporting Formts

Business Income Coverage Additional Forms Property Insurance

Rating Transportation Insurance Ocean Marine Insurance Inldnd

Marine Insurance Aviation Insurance Automobile Property Insurance

Business Automobile Insurance Summary Review Terms

Review Discussion Questions Research Assignments

Suggestions for Further Study

Chapter 14 GENERAL LIABILITY INSURANCE

Chapter Objectives

Introduction

Legal Background CategoriesofTorts (Civil Wrongs) Negligerice

Lawsuits Establishing Negligence and Damages Defenses in a Negligence

Suit The Relationship Between Negligence and Legal Liability Insurance

Questions ofFact Legal Judgements Ethics and Liability Insurance

Social Host Liquor Liability: An Example The Facts Categories

of Liability Insurance Business General Luability Insurance Business

Liability Umbrella Policies Automobile Liability Insurance Summary

Review Terms Review Discussion Questions Case for

Discussion Research Assignment Suggestions for Further Study 328

Chapter 15 SPECIAL LIABILITY INSURANCE

Chapter Objectives

Introduction

Claims-Made and Occurrehce Policies Claims-Made Policies Occurrence-

Basis Policies Environmental Impairment Liability Insurance History

Risk Management Strategy Insurance Principles and EIL Coverage

Products Liability Insurance Risk Management Strategy The Continuing

Controversy Professional Liability Insurance Wfut Is a Professional?

Coverage Clause Claims Settlement Types of Professional Liability

Coverage Employment Practices Liability Americans with Disabilities Act

(ADA) Nuclear Liability Insurance Summary Review Terms

Review Discussion Questions Research Assignments

Suggestions for Further Study Appendix Case Study: Sexual

Harassment Case Study: Americans with Disabilities Act (ADA) 353

Chapter 16 BONDING, CRIME INSURANCE, AND REINSURANCE

Chapter Objectives

Introduction

Surety Bonding Introductory Terminology The Reasons for Surety

Bonding The Uifference Between Suretyship and Insurance Underwriting

Bonds Types of Bonds Crime Insurance Reinsurance

Introductory Terminology Reinsurance Arrangements Reinsurance

Coverage Reasons for Reinsurance Reinsurance and Risk Management

Providers of Reinsurance Concluding Comments Summary

Review Terms Review Discussion Questions Research

Assignment Suggestions for Further Study 368

Chapter 17 LIFE INSURANCE POLICIES

Chapter Objectives

Introduction

Three Ways Life Insurance Is Distributed Group Life Insurance

Industrial Life Insurance Individual Life Insurance Term Insurance

Types of Term Life Insurance Uses of Term Life Insurance Whole Life

Insurance Cash Values Types of Whole Life Policies The Uses of

Whole Life Insurance Reasonsfor Saving with Life Insurance A Whole Life

Ledger Sheet Buy Term and Invest the Difference: The Consumer's

Viewpoint Universal Life Insurance Universal Life Insurance Policies

Universal Life Insurance Death Benefits Uses of Universal Life Insurance

Ledger Sheetfor Universal Life Insurance Variable Life Insur'ance

Summary Review Terms Review Discussion Questions

Research Assignment Suggestions for Further Study Appendix

Endowment Life Insurance 391

Chapterl8 ANNUITIES

Chapter Objectives

Introduction 394

Definitions Classification of Annuities Method ofPremium

Payment Beginning of Benefits Promises Purchased Number of

Annuitants Determination of Annuity Benefits Uses of

Annuities Types of Benefits Taxation of Annuities Withdrawal

before Liquidation Withdrawals in Liquidation Summary Review

Terms Review Discussion Questions Research

Assignment Suggestions for Further Study 406

Chapter 19 LIFE INSURANCE PLANNING

Chapter Objectives

Introduction

The Economic Value of the Human Life The Needs-Based Purchase of

Life Insurance Life Insurance Planning Planning Process The

Early Adult Years Life Insurance Planning: A Case Study Insurance for

Wiues, Children, and College Students Life Insurance Planning: The Middle

Years Life Insurance Plahning: The Later Years Wills Federal

Estate Tax Business Uses of Life Irisurance Funding Business

Continuation Agreements with Life Insurance The Taxation of Life

Insurance Death Proceeds Living Benefits: Dividends, Savings, and

Accelerated Death Benefits Summary Review Terms

Review Discussion Questions Research Assignment Facts and

Data Suggestions for Further Study

The

Chapter 20 STANDARD LIFE INSURANCE CONTRACT PROVISIONS

ANDOPTIONS

Chapter Objectives

Introduction

Insured, Owner, and Beneficiary Beneficiary Designation General

Life Insurance Policy Provisions Grace Period The Reinstatement

Provision The Incontestable Clause he Entire-Contract Proviswn

Misstatement-of-Age Provision Annual Apportionment of Divisible Surplus

The Suicide Clause and Other Restrictive Clauses Four Options Providing the

Insured with Choices Dividend Options Nonfbrfeifure Options

Policyholder Loans Settlement Options Available Riders and Options

The Guaranteed-Insurability Option The Waiver-of-Premium Option The

Double-Indemnity Option Summary Review Terms Review

Discussion Questions Research Assignment Suggestions for Further

Study 445

Chapter 21 SIMPLIFIED LIFE INSURANCE MATHEMATICS

Chapter Objectives

Introduction

Mortality Tables The 1980CSO Other Mortality Tables Interpretation

ofMortality Tables Some Simplifying Assumptions Single-Prenuum,

One-Year Term Insurance Smgle-Premium, Five-Year Term Insurance

Single-Premium, Whole Life Insurance Leveling the Whole Life Premium

The Cost of Life Insurance and Sales Illustrations A Complex Issue

Traditional Calculation Interest-Adjnsted Method The Sales Illustration

Controversy Summary Review Terms Review Research

Assignment Suggestions for Further Study

Chapter 22 MEDICAL EXPENSE AND DISABILITY INSURANCE

Chapter Objectives

Intrpduction

Background Information Increasing Health Care Costs Medical

Inflation Cost Containment Conunon Contract Provisions Entire

Contract Grace Period Reinstatement Incontestable Clause

Claims Physical Exam and Autopsy Legal Action Change of

Beneficiary Optional Contract Provisions Definitions and Exclusions

Five Kinds of Health Insurance Coverage Basic Medical Expense

Insurance Major Medical Insurance Disability Income Inswance

Medicare Supplement Insurance Long-Term Care Insurance

Demographics The Financial Problem Long-Term Care Policy

Development The Continuing Debate Health Insurance Providers

Summary Review Terms Review Discussion Questions

Research Assignment Suggestions for Further Study

Chapter 23 EMPLOYEE BENEFITS

Chapter Objectives

Introduction

The Goals of the Govemment, Employer, and Employee The Gauemment

The Employer The Employee Insured Employee Benefits

Qualification Rules General Features Group Life Insurance Group

Disability Income Insurance Long-Term Disability Group Health

Insurance Social Problems Health Insurance Providers Health

Insurance Contracts General Provisions ofGroup Health Inswance Contracts

Two Federal Regulations Insured Pension Plans Introduction

Requirements for QuaUfied Plans Federal Regulation ofPension Plans The

Role of Insurance in Pension Plans Profit-Sharmg, 401(k), 4030(b), Keogh, and

Cafeteria Plans Profit.-Sharing Plans 401(k) Plans 403(b) Plans or

Tax-Deferred Annuities (TDAs) Keogh Plans Cafeteria Plans

Individual Retirement Account (IRA) EHgibility for Deductible Contributions

Investment Alternative Rollovers Taxation Summary

Review Terms Review Discussion Questions Research

Assignment Suggestions for Further Study Appendix: Tax Deferral

The Advantages of Tax Deferral

Chapter24 SOCIAL SECURITY

Chapter Objectives

Introduction

Social Insurance Background The History and Philosophy of the American Social

Security System Social Security Js Not a Public Assistance Program Social

Security and Private Insurance Are Different Social Security Is an Insurance System

The Operation of the Social Security Program The Program Is

Compulsory for Almost Every Worker A Tax on Wages Is the Main Source ofFunds

Benefits Are Not Fully Funded Insured Statns and Eligibility for Benefits

Qnarters ofCoverage Calculationof Benefits Categories of Benefits

Retirement Benefits Survivor Benefits Disability Benefits Medicare

(Health Insurancefor the Aged and Disabled) some Current Issues Facing the

Social Security System Will Social Security "Be There"for Young and Middle-

Aged Americans? The Social Security Surplus and the Federal Deficit Other

Criticism Summary ReviewTerms Review Discussion

Questions Research Assignment Suggestions for Further Study

Chapter 25 UNEMPLOYMENT AND WORKERS' COMPENSATION INSURANCE

Chapter Objectives

Introduction

Unemployment Insurance Some Background Information Operations

ofthe Unemployment Insurance Program 1s Unemployment Insurance Really

Insurance? General Provisions ofState Programs Summary-

Unemployment Insurance Workers' Compensation The Problem

The Solution The Purposes of Workers' Compensation Laws Operations of

Workers' Compensation Systems Current Concerns About Workers'

Compensation Summary-Worker's Compensation, Review Terms

Review Discussion Questions Research Assignment

Suggestions for Further Study

Glossary

Appendix A: Homeowner's Insurance Policy

Appendix B: Personal Auto Policy

Appendix C: Sample Whole Life Insurance Policy and Application

Index

作者简介

风险保险导论

（第六版）

这是一本比较全面地介绍风险管理和保险的书籍。作者曾教授该课

程28年。全书分六个部分，分别介绍了风险管理和保险的基础知识，

保险行业，保险合同的相关知识，私人保险系统、寿险、人身安全险

和年金保险，以及公共保险。

本书特点是：一、逻辑严谨，系统性强。书中对风险的界定及管理、

保险的原理和实务等内容做了充分阐述，对相关范畴的内涵和外延进行了

深入浅出的表述，表现出极强的逻辑性；二、联系实际，可操作性强。书

中配以大量的实例，突出了其现实性；三、吸收了该学科领域中许多最新

的研究成果，内容新颖；四、重点突出，对有些问题的论述极具可读性。

本书可作为各经管院校中保险课程的本科生及研究生教材，同时对

从事保险研究和实务操作的人员具有很好的指导价值。

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