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Investment Management for Insurers details all phases of the investment management process for insurers as well as fixed income instruments and derivatives and state-of-the-art analytical tools for valuing securities and measuring risk. Complete coverage includes: a general overview of issues, fixed income products, valuation, measuring and controlling interest rate risk, and equity portfolio management.

Solvency Requirements for EU Insurers provides a unique insights into the complex world of insurance and will be useful to risk managers, actuaries, accountants, lawyers, board members of (re) insurance companies, insurance intermediaries, consultants, regulators, supervisors, academics, students and, more generally, all those involved with or interested in insurance and in the operation of the insurance market.

Investment Management for Insurers details all phases of the investment management process for insurers as well as fixed income instruments and derivatives and state-of-the-art analytical tools for valuing securities and measuring risk. Complete coverage includes: a general overview of issues, fixed income products, valuation, measuring and controlling interest rate risk, and equity portfolio management.

Solvency Requirements for EU Insurers provides a unique insights into the complex world of insurance and will be useful to risk managers, actuaries, accountants, lawyers, board members of (re) insurance companies, insurance intermediaries, consultants, regulators, supervisors, academics, students and, more generally, all those involved with or interested in insurance and in the operation of the insurance market.

A talented team of authors collaborated to provide updates in new developments in sales inducements, persistency bonuses, other SOP 03-1 issues, FAS 133 interpretations (including B36, treatments for GMDB, GMAB, GMIB and GMWB), no-lapse s, EIA valuation, shock-lapse examples and totally new purchase GAAP addressing FAS141 and FAS142 and VA DAC practices. The text includes more foreign product examples, reinsurance accounting, fair value perspectives and GAAP balance sheet and income statement examples in 100 new spreadsheets and over 200 additional pages.

A hard-hitting critique of how managed care and the selective use of science to privilege quick-fix therapies have undermined in-depth psychotherapy—to the detriment of patients and practitionersIn recent decades there has been a decline in the quality and availability of psychotherapy in America that has gone largely unnoticed—even though rates of anxiety, depression, and suicide are on the rise. In Saving Talk Therapy, master therapist Dr. Enrico Gnaulati presents powerful case studies from his practice to remind patients and therapists alike how and why traditional talk therapy works and, using cutting-edge research findings, unpacks the problematic incentives in our health-care system and in academic psychology that explain its decline.Beginning with a discussion of the historical development of talk therapy, Dr. Gnaulati goes on to dissect the factors that have undermined it. Psychotropic drugs, if no longer thought of as a magical cure, are still over-prescribed and shunt health-care dollars to drug corporations. Managed-care companies and mental health “carve outs” send health-care dollars to administrators, drive many practitioners away, and over-burden those who remain. And drawing back the curtains on CBT (cognitive behavior therapy), Dr. Gnaulati shows that while it might be effective in the research lab, its findings are of limited use for the people’s complex, real-world emotional problems.Saving Talk Therapy is a passionate and deeply researched case for in-depth, personally transformative psychotherapy that incorporates the benefits of an evidence-based approach and psychotropic drugs without over-relying on them.

Supported throughout by testimonies and interviews of prominent physicians and scientists concerned about disease-mongering, it takes an in-depth look at medical professionals who have a stake in keeping their patients convinced that they are, or are in immediate danger of becoming, sick. Examines each of the factors which have contributed to this insidious phenomenon—from an increase in the number of doctors and their specializations to the role of insurance companies. Details how to avoid disease-mongering professionals and how to keep your physician honest when dealing with you. Packed with case studies and anecdotes.

Open Books is a nonprofit social venture that provides literacy experiences for thousands of readers each year through inspiring programs and creative capitalization of books.

A hard-hitting critique of how managed care and the selective use of science to privilege quick-fix therapies have undermined in-depth psychotherapy—to the detriment of patients and practitionersIn recent decades there has been a decline in the quality and availability of psychotherapy in America that has gone largely unnoticed—even though rates of anxiety, depression, and suicide are on the rise. In Saving Talk Therapy, master therapist Dr. Enrico Gnaulati presents powerful case studies from his practice to remind patients and therapists alike how and why traditional talk therapy works and, using cutting-edge research findings, unpacks the problematic incentives in our health-care system and in academic psychology that explain its decline.Beginning with a discussion of the historical development of talk therapy, Dr. Gnaulati goes on to dissect the factors that have undermined it. Psychotropic drugs, if no longer thought of as a magical cure, are still over-prescribed and shunt health-care dollars to drug corporations. Managed-care companies and mental health “carve outs” send health-care dollars to administrators, drive many practitioners away, and over-burden those who remain. And drawing back the curtains on CBT (cognitive behavior therapy), Dr. Gnaulati shows that while it might be effective in the research lab, its findings are of limited use for the people’s complex, real-world emotional problems.Saving Talk Therapy is a passionate and deeply researched case for in-depth, personally transformative psychotherapy that incorporates the benefits of an evidence-based approach and psychotropic drugs without over-relying on them.

In the modern Western world, we tend to be insured by the state or for-profit insurers. We have privileged this system over mutual or micro-insurance, whose long and rich history we tend to forget. Yet, mutual and micro-insurance is becoming increasingly important, both in the Western and in the non-Western world and bears re-examination. This book traces the track record of mutual insurance from 1550 to the present, examining provisions for burial, sickness, unemployment, old age, and widowhood. The author seeks to address such topics as the type of risks micro-insurance covered between 1550 and 2015; how it was organized throughout its history; who provided the coverage; and how contributions, benefit levels, and conditions have changed. Importantly, the author explores why this system has worked through, and endured, the test of time. Mutual insurance can, for instance, overcome classic insurance problems such as adverse selection and moral hazards. The author demonstrates that the study of the position micro-insurance historically assumed in mixed economies of welfare presents interesting lessons for today’s insurance market, as well as for today’s mutualism.

In the modern Western world, we tend to be insured by the state or for-profit insurers. We have privileged this system over mutual or micro-insurance, whose long and rich history we tend to forget. Yet, mutual and micro-insurance is becoming increasingly important, both in the Western and in the non-Western world and bears re-examination. This book traces the track record of mutual insurance from 1550 to the present, examining provisions for burial, sickness, unemployment, old age, and widowhood. The author seeks to address such topics as the type of risks micro-insurance covered between 1550 and 2015; how it was organized throughout its history; who provided the coverage; and how contributions, benefit levels, and conditions have changed. Importantly, the author explores why this system has worked through, and endured, the test of time. Mutual insurance can, for instance, overcome classic insurance problems such as adverse selection and moral hazards. The author demonstrates that the study of the position micro-insurance historically assumed in mixed economies of welfare presents interesting lessons for today’s insurance market, as well as for today’s mutualism.

Reliable source on the fundamentals of insurance law covers topics such as insurable interest, risk, insurer defenses, waiver and estoppel, recovery, subrogation, reinsurance, and bonds. In addition, expert analysis provides a sense of the peculiar directions insurance law would take, and their erroneous outcomes, if the pure principles of contract law were applied.

Written by insurers for insurers, The Solvency II Handbook: Practical Approaches to Implementation is a hugely important text for all practitioners in the field, as well as consultants and students. Focusing on implementation and the challenges, it'll help you to solve practical problems in your day to day job saving you time and costly mistakes. As the title suggests this book focuses on the practical side of Solvency II and the actual implementation. The original best-selling Solvency II Handbook, published by Risk Books in 2009, focused on the theory with a detailed examination of the main requirements and impacts of Solvency II to insurers and reinsurers. Both books complement each other and should be read by anyone dealing with Solvency II in any capacity. Search for the Solvency II Handbook by Marcelo Cruz in Amazon for more information. Solvency II is being implemented in 2016. Larger companies are making progress but are still interested in hearing each other s stories. Smaller companies who started later are now in the phase of finalising their Solvency II projects. Now is the time when they will need to resolve any issues that arise; this book provides answers to their questions. Edited by best-selling author René Doff, this book focuses on the implementation and challenges of Solvency II. Including many case studies from insurers, you will gain a very interesting and useful snapshot of Solvency II implementation. Organised around the three pillars of Solvency II, topics covered include: - Internal models and Solvency II - Managing model risk - Solvency II and reinsurance - ORSA: A forward-looking approach to risk and capital management - Reporting challenges under Solvency II - The holistic balance sheet - Capital for operational risk

Instructor Resources: PowerPoint slides, guides to the in-book discussion questions, links to healthcare reform updates, and a transition guide to the new edition. Rather than focus on the day-to-day operations of insurers, Health Insurance looks in from the outside and explains the role that private health insurance plays in the United States. Noted health economist Michael Morrisey presents a rigorous but intuitive examination of the issues raised by insurance and how the market and the government have dealt with these issues. His emphasis is on understanding the underlying problems from an economics perspective and then applying the empirical literature to provide insight into the impact and effectiveness of the solutions. As such, this book serves as a basis for understanding and predicting the effects of the Patient Protection and Affordable Care Act (ACA). This updated edition includes new chapters covering the ACA and the structure, conduct, and performance of the insurance market. Additional resources in each chapter include recent research articles and classic insurance papers that give readers further information on each topic. Topics covered include: The effect of the 2008 recession on insurance coverage Health savings accounts and consumer-directed health plans Adverse selection The predictive power of risk adjustment Moral hazard Selective contracting and market power Employer-sponsored health insurance Medicare and Medicaid "I believe that Health Insurance is an outstanding first textbook in this subject area and represents what must be the best one-volume summary of empirical research on health insurance available anywhere." Curtis Florence, PhD., Adjunct Associate Professor, Rollins School of Public Health, Emory University

Sexual misconduct by ministers and other Christian professionals has reached epidemic proportions. One major church insurer has handled over 1,200 cases in the past eight years, many involving child sexual abuse, often with multiple victims. How should the church respond when Christian counselors cross sexual boundaries? What should be done when the "healer" wounds? What is the church's responsibility both to misbehaving professionals and to heir victims? Combining their extensive counseling experience and legal expertise, the authors of this volume offer a well-written, practical book loaded with the thorny issues of sexual exploitation by religious professionals. Here is tested wisdom that can help. oA recovery strategy for victims oProactive ways to safeguard against improper sexual behavior oScreening and early intervention strategies oRestoring fallen ministers and church leaders oDealing with homosexual misbehavior, seductive clients, recovered memories, and false allegations oAssessing legal consequences of your policies The wise counsel in this timely book can help us find remedies for a growing problem that threatens the Christian church.

Written by insurers for insurers, The Solvency II Handbook: Practical Approaches to Implementation is a hugely important text for all practitioners in the field, as well as consultants and students. Focusing on implementation and the challenges, it'll help you to solve practical problems in your day to day job saving you time and costly mistakes. As the title suggests this book focuses on the practical side of Solvency II and the actual implementation. The original best-selling Solvency II Handbook, published by Risk Books in 2009, focused on the theory with a detailed examination of the main requirements and impacts of Solvency II to insurers and reinsurers. Both books complement each other and should be read by anyone dealing with Solvency II in any capacity. Search for the Solvency II Handbook by Marcelo Cruz in Amazon for more information. Solvency II is being implemented in 2016. Larger companies are making progress but are still interested in hearing each other s stories. Smaller companies who started later are now in the phase of finalising their Solvency II projects. Now is the time when they will need to resolve any issues that arise; this book provides answers to their questions. Edited by best-selling author René Doff, this book focuses on the implementation and challenges of Solvency II. Including many case studies from insurers, you will gain a very interesting and useful snapshot of Solvency II implementation. Organised around the three pillars of Solvency II, topics covered include: - Internal models and Solvency II - Managing model risk - Solvency II and reinsurance - ORSA: A forward-looking approach to risk and capital management - Reporting challenges under Solvency II - The holistic balance sheet - Capital for operational risk

A comprehensive introduction to the fundamental and applied concepts of insurance and risk, incorporating consumer, insurer, line, and social perspectives and details of major and well-established contracts

Hybrid capital securities or 'hybrids' offer various benefits. They offer flexibility equity without shareholder dilution, provide protection to senior creditors, are a stable source of long-term funding for healthy companies, and help insurers and banks meet regulatory and rating agency capital requirements. Risks and features of hybrid securities are expressed in the credit spread of some relatively new financial instruments, but no structural fundamentals exist for to price hybrids precisely. This book proposes a model for the pricing of hybrids. It begins by explaining the concept of hybrids as well as their equity- and debt-like characteristics. Different types of hybrids are presented, including preference shares, convertible bonds, contingent convertibles (CoCos) and bail-in bonds. The authors then present analysis of regulatory regimes' impact on hybrids. They discuss the types of hybrid bonds that are contemplated in the Capital Requirements Regulation (CRR) and Banking Union mechanism. They then present an in-depth examination of hybrids pricing and risk assessment techniques. The book provides a comprehensive analysis from mathematical, legal and financial perspectives in order to look at relatively new financial instruments and address problems with the pricing models of hybrids which are as yet unsolved.

Mutually Beneficial tells the story of the evolution of The Guardian Life Insurance Company of America, one of the most important life and health insurers in the history of the U.S. economy and life insurance industry. Relying on exclusive access to the company's archives, interviews with its current executive officers, the public record, and scholarly articles and monographs, Robert E. Wright and George David Smith provide a strategic analysis of Guardian, from its founding to its standing in the insurance world today. Mutually Beneficial also describes the origin of Guardian's distinctive approach to business—its corporate culture and policy—and how these principles flow from the ethical and business precepts of its founders. By rigorously attending to its policyholders as a matter of practice as well as principle, Guardian has long been one of the most consistently profitable life insurance firms as measured by return on net wealth. This unique history will be of interest to anyone in the insurance business, as well as financial and economic professionals.

This first complete history of the Blue Cross and Blue Shield system tells the story of America's largest and oldest health insurers, from their beginnings to the turbulent 1990s. Drawing on extensive company archives, Robert Cunningham III and Robert M. Cunningham, Jr. trace the development of the Blues' system and show how its management has pursued the goal of health care coverage over seven decades of social and economic change. Highly readable, this volume will interest all those who are concerned with the past and future of American health care.