March 2016
Intermediate to advanced
700 pages
144h 54m
English
Content preview from Principles of Risk Management and Insurance, 13th EditionBecome an O’Reilly member and get unlimited access to this title plus top books and audiobooks from O’Reilly and nearly 200 top publishers, thousands of courses curated by job role, 150+ live events each month,
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Types of Insurance
Insurance can be classified as either private or government insurance. Private insurance includes life and health insurance as well as property and liability insurance. Government insurance includes social insurance programs and other government insurance plans.
Private Insurance
Life Insurance
At the end of 2013, 850 life insurers were doing business in the United States, down from a peak of 2,343 in 1988. The decline is the result of mergers and consolidations to reduce operating and general overhead costs and to increase efficiency.5
Life insurance pays death benefits to designated beneficiaries when the insured dies. The benefits pay for funeral expenses, uninsured medical bills, estate taxes, and other expenses. The death ...
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