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

Reinsurance

Insurance Regulation

Types of Insurance

Automobile Insurance — The Personal Auto Policy (PAP)

Personal Umbrella Liability Policy

Homeowners Insurance

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.

Homeowners Insurance - An overview of the typical homeowners insurance policy, listing the major coverages and exclusions.

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

Fixed and Variable Annuities

How to Buy Life Insurance

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