Risk Classification in Life Insurance
Risk Classification in Life Insurance

Author: J. David Cummins

Publisher: Springer Science & Business Media

Published: 2013-03-09

Total Pages: 345

ISBN-13: 9401729115

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The research project leading to this book was initiated in the fall of 1979 when the American Council of Life Insurance (ACLI) contacted Dan McGill, chairman of the Wharton School Insurance Department, about conducting a study on risk classification in life insurance. The ACLI was concerned about legislative and judicial activity in this area and its potential effects on the life insurance industry. A meeting was held at the ACLI offices in Washington, D.C., between several members of the ACLI staff and Dan McGill and David Cummins representing the Wharton School insurance department. An agreement was reached that a study would be conducted at Wharton dealing with issues in risk classification. Although the staff of the ACLI suggested directions the study might take, it was agreed that the design and execution of the study would be solely under the control of the researchers. The researchers also retained unrestricted publication rights in the results of the study. This agreement has been honored by the ACLI during the course of the project.

Handbook of International Insurance
Handbook of International Insurance

Author: J. David Cummins

Publisher: Springer Science & Business Media

Published: 2007-12-23

Total Pages: 1000

ISBN-13: 0387341633

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Handbook of International Insurance: Between Global Dynamics and Local Contingencies analyzes key trends in the insurance industry in more than 15 important national insurance markets that represent over 90 percent of world insurance premiums. Well-known academics from Europe, the Americas and Asia examine their own national insurance markets, including the competitive structure, product and service innovations, and regulatory developments. The book provides academics and executives with an unprecedented range of information about today’s insurance markets. This book also provides important 'new' information on the evolution of the financial sector worldwide and comprehensive chapters on reinsurance, Lloyd’s of London, alternative risk transfer, South and East Asian insurance markets, and European insurance markets. Setting the stage is an overview chapter by the editors focusing on overall conclusions on globalization.

Hire Purpose
Hire Purpose

Author: Deanna Mulligan

Publisher: Columbia University Press

Published: 2020-10-13

Total Pages: 307

ISBN-13: 0231553129

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A WALL STREET JOURNAL BUSINESS BESTSELLER The future of work is already here, and what this future looks like must be a pressing concern for the current generation of leaders in both the private and public sectors. In the next ten to fifteen years, rapid change in a post-pandemic world and emerging technology will revolutionize nearly every job, eliminate some, and create new forms of work that we have yet to imagine. How can we survive and thrive in the face of such drastic change? Deanna Mulligan offers a practical, broad-minded look at the effects of workplace evolution and automation and why the private sector needs to lead the charge in shaping a values-based response. With a focus on the power of education, Mulligan proposes that the solutions to workforce upheaval lie in reskilling and retraining for individuals and companies adapting to rapid change. By creating lifelong learning opportunities that break down boundaries between the classroom and the workplace, businesses can foster personal and career well-being and growth for their employees. Drawing on her own experiences, historical examples, and reports from the frontiers where these issues are unfolding, Mulligan details how business leaders can prepare for and respond to technological disruption. Providing a framework for concrete and meaningful action, Hire Purpose is an essential read about the transformations that will shape the next decade and beyond.

Genetics and Life Insurance
Genetics and Life Insurance

Author: Mark A. Rothstein

Publisher: MIT Press

Published: 2004

Total Pages: 320

ISBN-13: 9780262182362

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Experts discuss the economic, legal, and social issues surrounding the use of genetic testing in determining eligibility for life insurance. Insurance companies routinely use an individual's medical history and family medical history in determining eligibility for life insurance; this is part of the process of medical underwriting. Insurers have also long used genetic information, often derived from family history, in underwriting. But rapid advances in gene identification and genetic testing are changing the way we look at genetic information. Should the results of genetic testing (which might identify a predisposition toward disease not related to medical history) be available to life insurance medical underwriters? Few if any life insurers currently require genetic testing, but there are no laws or regulations prohibiting its use. Genetics and Life Insurance examines the complex economic, legal, and social issues surrounding the use of genetic information in life insurance underwriting. The contributors are legal scholars, representatives of the life insurance industry (including an actuary and an insurance physician), a geneticist, a genetic counselor, a philosopher, and a consumer advocate. They explore all aspects of an issue that has only recently drawn the attention of policymakers and the public. The book opens with a report on the results of a public opinion poll on genetics and life insurance. Succeeding chapters present the insurer perspective, a discussion of the economics of risk selection in life insurance, background information on the process of underwriting, a scientific analysis of genetic risks and mortality rates, a philosophical discussion of fairness and genetic underwriting, the viewpoints of consumers and genetics counselors, a comparison of different international policy approaches to the issue, and a legal analysis of antitrust implications when insurers collaborate in setting standards for medical underwriting. In the final chapter the editor addresses various policy options, examining the pros and cons of each one and assessing their political feasibility.

Life, Health & Annuity Reinsurance
Life, Health & Annuity Reinsurance

Author: John E. Tiller

Publisher:

Published: 2015

Total Pages: 747

ISBN-13: 9781625429025

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"Life, Health, & Annuity Reinsurance addresses the many issues and considerations involved in reinsurance for life, health and annuity companies. Although written by actuaries, it may be read by anyone interested in the topic and does not require an actuarial background"--

Debt Finance Landscape for U. S. Farming and Farm Businesses
Debt Finance Landscape for U. S. Farming and Farm Businesses

Author: J. Michael Harris

Publisher: DIANE Publishing

Published: 2010-02

Total Pages: 64

ISBN-13: 1437925561

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Income and wealth for farm bus. have changed noticeably this decade. Debt levels have been rising, asset levels have outpaced debt despite a recent fall in land prices, and equity has more than doubled for farm bus. However, recent declines in farm income and falling land prices have raised concerns about the financial position of U.S. farms. Total farm sector debt reached a record $240 billion in 2008, a $26 billion increase over 2007. Debt is expected to decline to $234 billion in 2009. In 1986, nearly 60% of farms used debt financing. By 2007, the number had dropped to 31%. In essence, farm debt has become more concentrated in fewer, larger farm businesses. Lenders and farm operators indicate that real estate accounts for the largest use of farm debt.

The Insurance Forum
The Insurance Forum

Author: Joseph M. Belth

Publisher:

Published: 2015

Total Pages: 361

ISBN-13: 9780941173186

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What can one person do when a powerful industry censors the person's views? That is the question Joseph M. Belth tries to answer in this memoir about his publication of an independent monthly periodical called The Insurance Forum. He started the periodical with the January 1974 issue after he had experienced 31 incidents of censorship over a period of eight years. The censorship was the work of trade press periodicals, professional journals, professional organizations, insurance companies, and others who wanted to prevent him from expressing his views. He ended the Forum when he published the December 2013 issue after 40 consecutive years of publication. This memoir reveals the inside story of Belth's victories, partial victories, and defeats. His memoir explains why and how the Forum began and describes significant events that occurred during the four decades of operation, including those relating to life insurance, annuities, company operations, and regulation. Belth also describes his adolescent years and education prior to joining the faculty of Indiana University in 1962, and his long association with the University. -- From book jacket.