Vaughan E.J., Vaughan T.M. Fundamentals of Risk and Insurance

Wiley, 2008. – 744 p. – 10th ed. – ISBN: 0470087536, 9780470087534This classic book presents a thorough and comprehensive introduction to the field of insurance while emphasizing the consumer. The new Tenth Edition first examines the concept of risk, the nature of the insurance device, and the principles of risk management. It then discusses the traditional fields of life and health insurance as solutions to the risks connected with the loss of income. And it deals with the risks associated with the ownership of property and legal liability.Dr. Emmett J. Vaughan was a professor at the University of Iowa in the Tippie College of Business. For 20 years he served as the editor of the Agency Mangement Manual, Dr. Vaughan also served as a consultant to the US Department of Labor
Therese M. Vaughan is the Robb B. Kelley Distinguished Professor of Insurance and Actuarial Science at Drake University. Prior to joining Drake, she served as Iowa Insurance Commissioner for over 10 years and as President of the National Association of Insurance Commissioners.Risk Insurance, and Risk Management.
The Problem of Risk.
Introduction to Risk Management.
The Insurance Device.
Risk Management Applications.
The Private Insurance Industry.
Regulation of the Insurance Industry.
Functions of Insurers
Financial Aspects of Insurer Operations.
The Legal Framework.
Life and Health Insurance.
Managing Personal Risks.
Social Insurance Programs.
Introduction to Life Insurance.
The Actuarial Basis of Life Insurance.
The Life Insurance Contract — General Provisions.
The Life Insurance Contract — Other Provisions.
Special Life Insurance Forms.
Buying Life Insurance.
Annuities and Pension Benefits.
Managing the Retirement Risk.
Health Insurance: Disability Income Insurance.
Health Insurance — Coverage for Medical Expenses.
Health Insurance for the Elderly.
Employee Benefits and Other Business Uses of Life and Health Insurance.
Property and Liability Insurance
The Homeowners Policy — General Provisions.
The Homeowners Policy Forms.
Other Personal Forms of Property Insurance.
Negligence and Legal Liability.
General Liability Insurance for the Individual.
The Automobile and its Legal Environment.
The Personal Auto Policy.
Commercial Property Insurance.
Commercial Liability Insurance.
Surety Bond and Credit Insurance.
Insurance in the Future.