| Papers [1-15] of 100 :: [Page 1 of 7] | | Go to page : 1 2 3 4 5 6 7 —> | Search results on "FLOOD INSURANCE": |
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Flood Insurance, 2006.
This paper discusses the issue of flooding on the Mississippi River and the impact of natural disasters on property flood insurance policies.
2,170 words (approx. 8.7 pages), 11 sources, APA, $ 67.95
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Abstract
This paper focuses on the 1993 flooding of the Mississippi basin, one of the costliest disasters in U.S. history which resulted in catastrophic insurance property claims. This paper explores the various homeowners insurance policies that did not provide coverage as well as the National Flood Insurance Program which underwrites all flood insurance in the U.S. This paper also discusses the role of the Federal Emergency Management Agency in aiding residents after a natural disaster.
From the Paper
"In 1927 an earlier flood occurred in the lower Mississippi Valley, covering twenty-six thousand square miles of land in as much as fifty-seven feet of water. In response to this natural disaster, the federal government, through the Army Corps of Engineers, dredged the channel, changed the course of the river in places, and built nearly seven thousand miles of levees in an effort to prevent future disasters. But the government's steps to flood prevention sixty-five years earlier were no match for the Mighty Mississippi and the sustained rains the summer of 1993 brought with it."
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Insured/Under-insured, 2004.
A comparison of the limitations of the U.S. health insurance system compared to other countries.
3,547 words (approx. 14.2 pages), 15 sources, MLA, $ 99.95
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Abstract
This paper attempts to address the question as to how U.S. should respond to the ongoing growth of uninsured and under-insured persons within the overall population. An overview is provided of the current health insurance system existing within the U.S., followed by a discussion of the factors that influence and are associated with the current system. It also examines the health insurance systems of other countries, which have been found to have better health outcomes than the U.S. It concludes with recommendations for the adoption of a universal health insurance system within the U.S.
Outline
Overview of the U.S. Health Insurance System
Factors Influencing Health Insurance in the U.S.
An Alternative U.S. Health Care System
Japan
Sweden
Canada
Summary and Conclusions
From the Paper
"As a component of the social insurance system in Sweden, health insurance and health care are financed via compulsory employers' contributions and individual social security contributions deducted from incomes (Swedish Institute, 2001). As further explained by the Swedish Institute, the 18 county councils that administer social insurance programs finance the costs of medical care directly from an income tax levied on all those living in the county who are in paid employment. According to the Swedish Institute, approximately 80 percent of tax revenues go to running the health care system and to subsidizing patient fees. Patients assume a proportion of the health costs when consulting a health care service, ranging from approximately 8 to 38 dollars. While all of Sweden?s residents are entitled to compensation for medical care, those individuals who have earned at least $750 annually through gainful employment are entitled to cash benefits for loss of income while ill."
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Introduction to Insurance, 2008.
Describes basic types of insurance, specifically life insurance and general insurance.
1,470 words (approx. 5.9 pages), 7 sources, APA, $ 48.95
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Abstract
This paper defines the two main types of insurance, namely, life insurance and general insurance. It points out that the main aim of insurance is to minimize the risks involved in various aspects of life and to cover and compensate the owner if any loss is suffered by the owner. The paper explains that general insurance involves fire and miscellaneous insurance, which covers a host of things ranging from burglary, theft, fidelity guarantee, live stock and crops, employer's liability and lastly insurance of motor vehicles. To conclude, the paper holds that insurance plays a pivotal role in minimizing risk and in compensating against the damage suffered.
Outline:
Introduction
Types of Insurance
Home Insurance
Health Insurance
Travel Insurance
Auto Insurance
Conclusion
From the Paper
"In life insurance the insurer agrees to pay compensation to the policy owner upon occurrence of an undesired event and the compensation is paid for the same, this undesired event can be death or accident or any other event which causes damage to the policy owner. In return the policy owner pays a premium, which can either be a stipulated amount or can be lump sum. There are many terms included in the most of the policies, one such common term is suicide, if the policy owner commits suicide the policy becomes null in other words the policy holder will be paid no compensation if he commits suicide. Another common term is the face amount; this is nothing but the initial amount which is paid by the insurer to the policy holder when the policy becomes mature."
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Facultative Re-Insurance Underwriting, 2006.
This well-researched paper defines and details the advantages and disadvantages of two particular forms of insurance currently available in America: Re-insurance and treaty re-insurance.
1,995 words (approx. 8.0 pages), 3 sources, APA, $ 63.95
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Abstract
The writer of this paper defines re-insurance as a basic method of underwriting insurance. Re-insurance falls mainly into two categories, the first being facultative re-insurance and treaty re-insurance, which are both handled by two separate companies. This paper details how both methods of insurance operate as well as how insured Americans are directly affected by these types of policies. This paper also discusses the individual risks involved with these forms of insurance as well as how downsizing and mergers have impacted the industry creating a shortage of qualified underwriters.
From the Paper
"One area where Facultative Re-insurers are concentrating their efforts both in training and research is in the environmental area. Here the losses from just one storm, or earthquake or any other natural disaster is very costly for all concerned. While this effort continues and as clean up after the fact of a disaster we're seeing such improvements as "storm resistant" construction, rapid rescue techniques, and many other improvements all precipitated by the Facultative Re-insurance Industry. And there are constant changes being made in order to reduce costs and improve life in general for the insured public."
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Insurance Fraud, 2002.
An in-depth insight into insurance fraud, what it is, and what measures can be taken to prevent it.
10,871 words (approx. 43.5 pages), 18 sources, MLA, $ 215.95
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Abstract
This paper attempts to identify the different types of insurance fraud perpetrated today and to evaluate their effect on the insurance industry and society at large. After tax evasion, insurance fraud is considered the highest-ranked among white-collar crimes. It provides a history of insurance, examines in detail the main types of insurance frauds currently around and discusses the measures that can be taken to help prevent and reduce the number of fraudulent claims.
Table of contents:
Abstract
Introduction
History of Insurance
Insurance Fraud
How Insurance Frauds Affect Society
Classification of Fraud by Insurance Companies
Insurance Fraud Status as a Crime
Types of Insurance Frauds
Staged Auto Accidents
Arson-for-Profit
Health Insurance Fraud by Individuals and Corporations
Workers' Compensation Fraud
Property/ Casualty Insurance Fraud
Agent Fraud
Fake and Real Deaths to Collect Life Insurance Money
Identity Fraud
Efforts to Reduce Insurance Fraud
Conclusion
From the Paper
"One of the most famous insurance providers in the world today, Lloyd's of London came into existence in 1688. Edward Lloyd owned a coffeehouse in London where merchants and bankers evaluated the risk of the maritime operations of seafaring vessels used for trading among the various British colonies and those used for prospecting new lands. Financiers for the expensive endeavors and trips to far off lands invested huge amounts of money in the hope that the voyages would be successful. Ship captains required money for supplies and goods, and would offer to embark on these dangerous trips with the help of these financiers?a potentially, mutually beneficial endeavor."
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Life Insurance as an Estate Planning Tool, 1990.
This paper discusses life insurance as an estate planning tool: Role of life insurance, various types of insurance available, and pro and con arguments related to each.
1,350 words (approx. 5.4 pages), 5 sources, $ 47.95
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From the Paper
"The focus of this paper is life insurance as an estate planning tool. The paper examines the role of life insurance, various types of insurance available, and pro and con arguments related to each, where applicable.
The term estate planning in its broadest sense encompasses the accumulation, conservation, and distribution of an estate. The overall purpose of the estate planning process is to develop a plan that will enhance and maintain the financial security of individuals and their families. Estate planning includes increases in the estate as well as the conservation of existing assets.
Estate planning in the narrow sense of protecting an existing estate has three fundamental objectives. The first objective is to reduce the cost of estate transfer. The second ... "
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Special Day Insurance, 2004.
This paper discusses the insurance industry and presents a business plan for a new coverage, ?Special Day? insurance.
5,555 words (approx. 22.2 pages), 8 sources, MLA, $ 135.95
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Abstract
This paper explains that most policies refer to one person as the ?named insured?; the entire insurance policy covers this person and the liabilities of this person, and nothing else. The author creates a new coverage, a special day insurance, which will protect the insurer when he organizes some of his own special days, such as birthdays, weddings, wedding anniversaries, public holidays, and celebrations of any nature; the only requirement will be that the function will have to be legal, and the insurance cover will lapse the moment any illegal activities are performed. The paper outlines the business plan including the marketing strategy for this sort of policy, through the media and sold through independent agents.
Table of Contents
Introduction
It has to be an Individual Policy
Insurance is a Dynamic Business
Purpose of the Insurance
How the Buyer Will Buy the Insurance
Advantages and Disadvantages of the Insurance
Potential Buyers and Reasons for Purchase
Similar Products
Pricing Strategy
Marketing Strategy
Promotional Plan
Potential Profits
Risks to the Seller
Administrative and Other Support Needed
Conclusion
From the Paper
"There are many examples how the insurance companies get around the problems of providing payments for the damages caused to those who are non-insured. This happens because the price of insurance has to be kept very low due to the competitive nature of the business. Let us take an example from the auto insurance business. Here in some cases, only the named insured has to give permission to others for the use of the vehicle. Here the definition of the person who is permitted is given as ?Anyone else while using with your permission a covered auto you own hire or borrow?. The definition of the ?you? has also been given. ?Throughout this policy the words ?you? and ?your? refer to the Named Insured shown in the Declarations.? This may create quite a confusing situation. If there is a vehicle, which has the owner as ?Bradley Inc? and that entity is the named insured."
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Canadian Insurance Indusry, 2002.
A case comparison and contrast of Metropolitan General Insurance and People's Insurance Company of Canada (PICC).
2,400 words (approx. 9.6 pages), 2 sources, $ 89.95
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Abstract
This paper examines two case studies in the insurance industry. One involves a branch with declining sales in an otherwise healthy company and another the establishment of an insurance company by a major bank. Both cases exhibit leadership and, consequently, employee motivation problems.
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Taiwanese Health Insurance, 2007.
An in-depth analysis of the Taiwanese health insurance system.
3,069 words (approx. 12.3 pages), 10 sources, MLA, $ 89.95
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Abstract
The paper reveals that Taiwan was named the second healthiest country in the world. The paper explains that the most relevant factors that aided Taiwan in gaining this title were economic growth and a great emphasis on the environment and the population's health. The paper discusses how the National Health Insurance is the most important key in the country's achievements in health. The paper examines the changes that influenced the insurance system and the current features of the insurance system. The paper points out that although some say they do not apply fair prices, the Bureau of National Health Insurance is viewed as the primary cause for improvements in the Taiwanese healthcare system.
Outline:
Abstract
History of Taiwanese Health Insurance
Types of Insurances
Changes That Influenced the Insurance System
Current Features of the Insurance System in Taiwan
Health Insurances in the Private and Public Sectors
Statistics on the Bureau of National Health Insurance
Future Goals of the BNHI
Conclusions
From the Paper
"Taiwan is rather small sized country, however it is densely populated. Its 23 million inhabitants are concentrated on 36,000 square kilometers. "Often called the "Taiwan Miracle", in 1980s and 1990s, the country's economy grew at a rate of 7.64%. Health status of the people in Taiwan, as measured by the common indicators, is close to those of developed countries: life expectancy at birth is of 74.9 years and the infant mortality rate is 6.5 per 1000 live births. These comparable health outcomes with developed countries are achieved with only modest spending in health care, 6.0% of the Gross Domestic Product in 1998.""
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The Chinese Insurance System.
This paper discusses the China's insurance regulatory regime and compares it to the insurance regimes in the United Kingdom, Iran, and Japan.
10 words (approx. 0.0 pages), 10 sources, MLA, $ 17.95
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Abstract
This paper explains, in detail, the laws and operation of the Chinese insurance industry and stresses that China's WTO membership specifically compelled the opening of its insurance sector to foreign competition according to WTO rules and bilateral agreements with fellow member nations. The author points out that, for developing countries like China and Iran, exercising flexibility in making commitments permits opportunities to be gained in liberalizing the insurance service investment sector. The paper relates that the Japan's insurance industry was robustly growing along with the rest of the economy in the great moments of the 1980s and the first half of the 1990s; its overwhelming premium income and asset formation was comparable with that U.S.A., and the limitations of domestic opportunity led it to look outwards for investment.
From the Paper
"The Insurance Law of the People's Republic of China was ratified at the 14th session of the Standing Committee of the Eighth National People's Congress on June, 1995. It was promulgated by Presidential Decree 51 for implementation beginning October that year. The law was aimed at standardizing, managing and protecting the insurance industry, the parties and industry activities. It required individuals and organizations within the People's Republic of China who needed domestic insurance should acquire insurance only from insurance companies within the Republic. Those engaged in the industry must observe the law voluntarily, credibly and honestly and the principle of fair competition. The departments of the State Council supervised and managed the industry."
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Arbitration and Insurance Claims, 2006.
A survey of basic insurance terminology and a brief history of insurance arbitration.
4,587 words (approx. 18.3 pages), 8 sources, MLA, $ 119.95
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Abstract
This paper examines the issue of arbitration and insurance claims. It begins by explaining a series of basic insurance terminology and then presents a history of the practice of insurance arbitration. The writer then explains the process of arbitration and insurance claims and how the process has changed over the years.
From the Paper
"Almost thirty years ago, the Committee on Insurance Arbitration recognized the insurance industry's need for a Property Arbitration Forum. Today, its' successor committee is the largest system of its kind in the world. There was clearly a need to create a legal entity to administer the arbitration programs, and this concern led to the creation of a not-for-profit corporation that replaced the Committee on Insurance Arbitration. The Committee on Insurance Arbitration incorporated in 1981, under the corporate name of Insurance Arbitration Forums. Insurance Arbitration Forums remained the corporate name until 1986, when the Board of Directors eliminated the word "Insurance" from the name. This change reflected the expansion of Arbitration Forums' programs to include arbitration situations outside the insurance arena, although these additional mediation and arbitration services continued to fulfill the needs of the insurance industry. Because Arbitration Forums are intended to provide an objective and neutral administrative service, Arbitration Forums are considered to be respected and efficient providers of arbitration services. Arbitration is a means of settling controversies without resorting to litigation. Agreements to arbitrate are generally put into writing, and signatories are contractually obligated to arbitrate."
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Sports Insurance, 2002.
Examines the options available to insurance companies in insuring against sports accidents in Arab countries.
3,650 words (approx. 14.6 pages), 10 sources, $ 133.95
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Abstract
This paper explores the possibilty of introducing sports insurance into Arab countries.
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Marine Insurance, 2005.
This paper discusses the issue of "utmost good faith" in marine insurance.
1,415 words (approx. 5.7 pages), 4 sources, MLA, $ 47.95
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Abstract
This paper explains that the question of whether or not the presence of "utmost good faith" in marine insurance is equitable to either the insurer or the insured is a question of global debate, because, although it is codified in very old law, the advent of containerized freight has brought the issue to the forefront in several nations. The author points out that the investigation done by an Australian expert provides a clearer picture of these problems of the nation's position concerning the Marine Insurance Act and strongly suggests that the entire Marine Insurance Act be removed from the realm of the English Common Law and placed under the control of the United Nations. The paper relates that the inevitable question of precisely who does suffer the most--the insured through their ignorance, negligence or outright fraud or the insurers and the re-insures for failing to use protective technology and instead simply make the premiums higher to cover their actuarial losses; however, the real cost is borne by the citizenry of the world as another hidden tax.
Table of Contents
Thesis Statement
The History and Background of the Law
The World Wide Effects upon Nations
The World View and Conclusions
From the Paper
"In his discourse concerning the Law of Marine Insurance - Utmost Good Faith at least in the sphere of Australian trade is having far too many losses therefore placing an unfair burden upon the insurers where perhaps the insured are quite possibly at fault. Again there are copious court cases cited in this section. It is this section of the law too that the Chancellor relates the United Nations efforts at curbing and enforcing the Utmost rules, but they have fallen miserably short of their goal."
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The U.S. Health Care Insurance Industry, 2007.
This paper examines the U.S. health care insurance industry at the national and regional levels.
3,905 words (approx. 15.6 pages), 14 sources, APA, $ 106.95
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Abstract
This paper explains that the U.S. health insurance industry is a faltering system as witnessed by poor performance, difficulty accessing physicians and rising premiums that cut into after-tax income. The author compares two health plans in Texas: Aetna Life Insurance Company's PPO 500 plan, which is judged better for a younger workforce that is predominantly unmarried and without children, and Blue Cross and Blue Shield of Texas' PPO Select Saver Plan IV Blue Cross plan, which is deemed a better arrangement for an older, "graying" workforce. The paper evaluates the Health Insurance Portability and Accountability Act (HIPAA), which is generally seen as a watershed event for health insurance reform.
Table of Contents:
Introduction
The U.S. Health Care Industry over the Last 10 Years
The U.S. v. Canadian Approach to Health Care
Development of Managed Medicare Insurance Products in Texas
A Comparison of Two Health Plans in Texas
A Plan for Managed Care Organization Seeking Accreditation from JCAHO or NCQA
The Health Insurance Portability and Accountability Act (HIPAA)
A Plan for Comprehensive Improvement of a Managed Care Organization's Processes
Conclusions
From the Paper
"In fairness, the U.S. model has its advantages. For one thing, wealthier individuals/employees who wish to "cut through" the bureaucratic red-tape of socialized medicine in Canada can go to the United States and have their needs promptly addressed in a way not possible in Canada. Moreover, from a strictly business perspective, the fact that American HMOs are prepared to exclude various clientele in order to serve the "bottom line" and are likewise prepared to similarly slash services can be just the excuse private American corporations need in order to exclude various members of their workforce."
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Selecting Company Insurance Coverage, 2006.
A case study of a company which needs to choose between a company-paid insurance policy or a partially employee-paid insurance policy for the workers.
2,548 words (approx. 10.2 pages), 5 sources, MLA, $ 77.95
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Abstract
This reports aims to decide whether or not a specific company should continue with a company-paid insurance policy or to switch to a partially employee-paid policy for its workers. In order to determine the feasibility of this thesis, the paper proposes an intensive interview type procedure to ascertain whether or not acceptance of either program is in the best interests of both the employees and the company. By use of this methodology the format is far less cumbersome and more easily indicative of the needs and wants of the employees and presents to management the choices of coverage to achieve our proposed goal of the best possible coverage for the dollars spent by either agency - the employee or the company.
From the Paper
"The "Proposal on Life and Health Insurance: Company paid or Employee Paid," has become necessary due to changes in the "Healthcare," regulations and laws that have been enacted beginning in 1996, with Congress' "Insurance Portability Act of 1996," and other regulations and laws enacted since within the several States wherein our employees reside. As a national "Discount Clothing Retailer," we have 216 outlets scattered across the nation, in 31 different States, with each employing a staff of 25 to 75 employees.
In each location we have both salaried employees and hourly employees and moreover, due to the seasonal nature of our business our employee turnover rate is, as should be expected, rather high. Our policy has been that all salaried employees, after six months service, are automatically placed with open entrance into our company paid Life and Health Insurance Plan."
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