Insurance

Insurance Fundamentals

• Risk - A tutorial about risk and insurance.
• Risks, Perils, And Hazards
• Handling Risk
• Insurance; Insurable Risks; Underwriting And Adverse Selection - A tutorial about the basics of insurance companies, underwriting and adverse selection, and what constitutes an insurable risk.
• Legal Liability and Negligence
• Law of Large Numbers - Using the Law of Large Numbers to determine underwriting risk and insurance premiums.
• Indemnity - How property insurance pays for losses.
• Insurable Interest - What constitutes an insurable interest, and when must it exist?
• Subrogation
• Utmost Good Faith—Representations, Concealments, And Warranties - Why honesty is the best policy in insurance.
• Insurance Contracts
• Standard Insurance Policies
• Insurance Deductibles - The different types of deductibles and how they reduce insurance premiums.
• Coinsurance - How coinsurance reduces health insurance premiums, and equalizes rates for property insurance.
• Multiple Insurance Coverage: Pro Rata Liability, Contribution Of Equal Shares, And Primary And Excess Insurance - What determines how much each insurance policy pays when multiple policies cover the same loss.
• Credit-Based Insurance Scores - How and why personal credit scores affect insurance rates.

Insurance Companies

• The Legal Organization And Ownership Of Insurance Companies
• Insurance Agents and Brokers
• Insurance Marketing Systems
• Rate Making: How Insurance Premiums Are Set
• Reinsurance
• Insurance Regulation

Types of Insurance

• Automobile Insurance — The Personal Auto Policy (PAP)
• Personal Umbrella Liability Policy

Homeowners Insurance

• Homeowners Insurance - An overview of the typical homeowners insurance policy, listing the major coverages and exclusions.
• Types of Homeowners' Insurance Policies - Summarizes the basic coverage of different types of homeowner’s insurance policies—including insurance for renters and owners of condominiums and cooperatives—and how they differ.
• Common Homeowners Insurance Policy Endorsements
• The Cost Of Homeowners Insurance And How To Lower It - What factors influence the cost of homeowners insurance and how can you reduce premiums?
• Real Estate Title Insurance - An introduction to real estate title insurance and other alternatives, including tips on how to save money when buying title insurance.

Life Insurance

• Life Insurance Fundamentals
• Determining Life Insurance Premiums for Term and Level-Premium Policies
• Term Life Insurance
• Whole Life Insurance
• Variable Life Insurance, Universal Life Insurance, And Variable-Universal Life Insurance
• How to Buy Life Insurance
• Fixed and Variable Annuities

Life Insurance Contracts

• Life Insurance Contracts: Owner, Insured, and Beneficiary
• Common Life Insurance Provisions
• Life Insurance Dividends and Nonforfeiture Options
• Life Insurance Policy Loans and Settlement Options
• Other Life Insurance Options and Riders: Waiver-of-Premium, Guaranteed Insurability, Cost of Living Rider, Accelerated Death Benefits Rider, and the Double Indemnity Option
  

Health Insurance

• Major Medical Insurance; Hospital-Surgical Insurance Plans; Medicare Supplement Insurance (aka Medigap Insurance)
• Disability-Income Insurance
• Long-Term Care Insurance
  

Commercial Insurance

• Surety and Fidelity Bonds

Special Insurance

• Catastrophe Risk Transfer Using Contingent Surplus Notes, Catastrophe Bonds, and Exchange Traded Options
• Parametric Insurance

Insurance Resources

• Insurance Blog
• Insurance Resources