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Unit 1 Risk and Risk Management 1

Text A Introduction to Risk 1

Text B Floods—an Insurable Risk? 10

Unit 2 Insurance Principles Ⅰ 15

Text A Insurance as a Risk Management Technique:Principles Ⅰ 15

Text B Simple Personal Insurance Compensation Dispute Case 22

Unit 3 Insurance Principles Ⅱ 26

Text A Insurance as a Risk Management Technique:Principles Ⅱ 26

Text B More About Insurance Principles 34

Unit 4 Insurance Policy 39

Text A Terminology Related to Insurance Contracts 39

Text B Legal Aspect of Insurance Contract—Types of Contracts 46

Unit 5 Standard Policy Provision—Life Insurance 50

Text A Life Insurance Provisions 50

Text B Policy Sample 59

Unit 6 Standard Policy Provision—Health Insurance 81

Text A Individual Health Insurance Provisions 81

Text B Annuities and Individual Retirement Arrangement 87

Unit 7 Standard Policy Provision—Auto Insurance 93

Text A Personal Auto Insurance 93

Text B Factors Affecting the Cost of Personal Auto Insurance 102

Unit 8 Standard Policy Provision—Hull and Cargo Insurance 106

Text A Marine Insurance 106

Text B Marine Insurance Report 116

Unit 9 Life Insurance Market 121

Text A Life Insurance Market in 2008 121

Text B The No.1 Life Insurance Organization 128

Unit 10 Non-life Insurance Market 131

Text A Non-life Insurance Market in 2008 131

Text B Non-life Insurance in Some Countries in 2008 136

Unit 11 Insurance Company Operation 142

Text A Insurance Functions 142

Text B Product Distribution 148

Unit 12 Insurance Market Regulation 154

Text A Regulation 154

Text B Historical Development of EU Solvency Capital Requirements 160

Glossary 165

Key to Exercises 181