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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

  • Auto Accident Victim Compensation
  • No-Fault Auto Insurance
  • The Determinants of Auto Insurance Costs
  • Automobile Insurance — The Personal Auto Policy (PAP)
  • Auto Insurance for High-Risk Drivers
  • 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
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  • Information is provided 'as is' and solely for education, not for trading purposes or professional advice.
  • Copyright © 2005 - 2013 by William C. Spaulding
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Consumer Finance

  • Bankruptcy
  • Credit and Debt
  • Insurance
  • Real Estate
  • Taxes
  • Wills, Estates, and Trusts

Investments

  • Investment Fundamentals
  • Investment Funds
  • Banking
  • Bonds
  • Forex
  • Futures
  • Options
  • Stocks
  • Technical Analysis
  • Economics

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