Principles of Risk Management and Insurance / Edition 10

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Intended primarily for undergraduate courses in Risk Management and Insurance, this text also provides practical content to current and aspiring industry professionals.

Principles of Risk Management and Insurance is the market-leading text, focusing primarily on the consumers of insurance, and blending basic risk management and insurance principles with consumer considerations.

The twelfth edition provides an in-depth treatment of major risk management and insurance topics. Coverage includes a discussion of basic concepts of risk and insurance, introductory and advanced topics in risk management, functional and financial operations of insurers, legal principles, life and health insurance, property and liability insurance, employee benefits, and social insurance. In addition, the new Affordable Care Act is discussed in depth.

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Product Details

  • ISBN-13: 9780321414939
  • Publisher: Addison Wesley
  • Publication date: 1/24/2007
  • Series: Addison-Wesley Series in Finance Ser.
  • Edition description: Older Edition
  • Edition number: 10
  • Pages: 747
  • Product dimensions: 7.86 (w) x 10.50 (h) x 1.28 (d)

Meet the Author

George E. Rejda is a nationally known expert on private insurance and social insurance programs. He is a Past President of the American Risk and Insurance Association. His primary research areas are Social Security and unemployment insurance. He is a founding member of the National Academy of Social Insurance, initially limited to 125 experts on Social Security in the United States. He is the founding editor of Benefits Quarterly in the employee benefits field and also served as Communication and Notes editor for the Journal of Risk and Insurance. He has published numerous books, articles, and other publications, several of which were used by the Insurance Institute of America in its professional program. He is a former member of the examination committee of the Insurance Institute of America, which designs and administers professional examinations to employees in the property and casualty insurance industry. His textbook, Principles of Risk Management and Insurance, is widely used by colleges and universities throughout the United States. Rejda received his Ph.D. degree from the University of Pennsylvania where he studied risk and insurance as a Huebner Foundation Fellow in the Wharton School. He is a former member of the Administrative Board of the Huebner Foundation for Insurance Education at the Wharton School, University of Pennsylvania. He is also a Chartered Life Underwriter (CLU). During his career at UNL, he has taught more than 13,000 students.

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Table of Contents

Ch. 1 Risk in Our Society 4
Ch. 2 Insurance and Risk 19
Ch. 3 Risk Management 40
Ch. 4 Fundamental Legal Principles 58
Ch. 5 Analysis of Insurance Contracts 76
Ch. 6 The Liability Risk 92
Ch. 7 Homeowners Insurance, Section I 110
Ch. 8 Homeowners Insurance, Section II 134
Ch. 9 Other Personal Property and Liability Coverages 150
Ch. 10 Automobile Insurance 169
Ch. 11 Automobile Insurance and Society 194
Ch. 12 Commercial Property Insurance 218
Ch. 13 Commercial Liability Insurance 243
Ch. 14 Crime Insurance and Surety Bonds 267
Ch. 15 Fundamentals of Life Insurance 282
Ch. 16 Types of Life Insurance and Annuities 297
Ch. 17 Life Insurance Contractual Provisions 325
Ch. 18 Buying Life Insurance 347
Ch. 19 Life Insurance Planning and Estate Planning 369
Ch. 20 Individual Health Insurance 387
Ch. 21 Employee Benefits: Group Life and Health Insurance 410
Ch. 22 Employee Benefits: Retirement Plans 436
Ch. 23 Social Insurance 463
Ch. 24 Types of Insurers and Marketing Systems 494
Ch. 25 Insurance Company Operations 510
Ch. 26 Insurance Pricing 527
Ch. 27 Government Regulation of Insurance 545
App. A Homeowners 3 Special Form A-1
App. B Personal Auto Policy B-1
App. C Whole Life Policy C-1
App. D Universal Life Policy D-1
Glossary G-1
Index I-1
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