Insurance

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  1. Explaining Insurance

    Insurance is a form of contract between an individual and an insurance company that spreads risk in exchange for premium ...
  2. What are examples of the largest companies in the insurance sector?

    Read about some of the largest and most influential companies in the insurance sector, a list that includes Berkshire Hathaway ...
  3. What impact have terrorist attacks had on the insurance industry?

    Learn about the impact of terrorist attacks on the insurance industry and how the 9/11 terrorist attack led to important ...
  4. Why do growth investors buy insurance stocks?

    Discover why growth investors buy insurance stocks; these stocks are tied to major secular trends such as rising costs and ...
  5. How does the Affordable Care Act affect moral hazard in the health insurance industry?

    Find out why the Affordable Care Act increases moral hazard in health insurance by pushing consumers farther and farther ...
  6. Top 10 Travel Health Insurance Companies

    Before you take a long trip abroad – or move there – make sure you have enough health coverage. That goes double if you go ...
  7. How UnitedHealth Group Makes its Money

    Here's how UnitedHealth Group, poised to grow even more, rakes it in.
  8. Auto Insurance: Paying By The Mile Vs. Monthly

    Would you benefit if you bought your auto insurance by the mile instead of simply paying a flat monthly premium?
  9. Don't Lose Your Wealth Due To Healthcare Costs

    This article will highlight the use of an ILIT type of trust to protect wealth in the case of serious illness and transfer ...
  10. How Auto Insurance By The Mile Works

    If you don't drive much, would auto insurance cost less if you paid by the mile? Consumers in some states are finding out.
  11. Is My Health Insurance Good Abroad?

    Which emergencies will your health insurance cover (or not cover) if you get sick in a foreign country? Here's how to protect ...
  12. How Big Data Has Changed Insurance

    No longer confined to technology, big data has become integral to providing solutions to the insurance industry's long standing ...
  13. What is fiduciary liability insurance, and what are its benefits?

    Understand what fiduciary liability insurance is, what companies or individuals can benefit from having it, and when it is ...
  14. How Big Data Has Changed Healthcare

    Like many other industries, healthcare has adapted to data analytics not only for its financial returns but also improving ...
  15. Why are insurance companies and pension funds considered financial instruments?

    Find out why insurance companies and pension funds are considered carriers of financial instruments, and what role they play ...
  16. How to Fund Retirement with Insurance

    So you've contributed the max to all available retirement vehicles...now what? Consider a permanent life insurance policy ...
  17. What is the difference between moral hazard and adverse selection?

    Learn about moral hazard and adverse selection, how the two processes create undesired results, and the difference between ...
  18. What is the difference between an operating expense and a capital expense?

    Learn the differences between an operating expense and a capital expense, and see how the two types of expenses are treated ...
  19. What is the theory of asymmetric information in economics?

    Read a brief overview of asymmetric information theory in economics, the development of its main arguments and why some challenge ...
  20. What is the difference between the loss ratio and combined ratio?

    Learn about the loss ratio and combined ratio, what the two ratios measure and the main difference between the loss ratio ...
  21. How do I calculate the combined ratio?

    Learn about the combined ratio and how it is calculated under a financial basis and a trade basis using the loss ratio and ...
  22. What does the lapse ratio in the insurance sector measure?

    Learn about the lapse ratio, how is used in the insurance sector and what the ratio measures of insurance companies.
  23. Why some insurance policies are more expensive than others?

    There are several reasons that an insurance policy can cost more or less at different agencies. Some of the more common reasons ...
  24. Why should I keep track of my insurance policy?

    The number one thing to remember about insurance is that, just like everything else, it changes over time. The top-of-the-line ...
  25. 10 Must-Know Questions To Ask A Home Seller

    To get a sense of what the home you're considering buying is really like, it helps to talk to the seller.
  26. Should I be worried about my insurance company?

    Yes, policyholders should also take a serious look at the financial stability of their current insurance company especially ...
  27. IUL Insurance: An Alternative Retirement Plan?

    Indexed universal life insurance is the rise. But critics argue that wisely allocated IRA and 401(k) funds will normally ...
  28. How does the combined ratio measure the financial health of insurance companies?

    Learn about the combined ratio, what the combined ratio measures and how it is used to measure the financial health of insurance ...
  29. Do mortgage escrow accounts earn interest?

    Paying down monthly mortgage escrow accounts? Will you receive any interest on this payment? If you are, should you put more ...
  30. What is the difference between adverse selection and moral hazard?

    Learn about the differences between adverse selection and moral hazard in economics, and how blocking price signals causes ...
  31. Which markets are most prone to market failure from adverse selection?

    Read about which markets are most prone to market failure from adverse selection and why information cannot effectively be ...
  32. How does adverse selection affect insurance premiums?

    Find out what causes adverse selection in the insurance market and why it drives up premiums for all policyholders.
  33. What is the pro rata condition of average on an insurance claim?

    Find out what an insurance policy means when it has a clause stating pro rata condition of average for damage claims when ...
  34. How does adverse selection contribute to market failure?

    Examine an brief introduction to the adverse selection theory of market failure, and find out why economists disagree about ...
  35. What is Adverse Selection?

    Adverse selection occurs when one party in a transaction has more information than the other, especially in insurance and ...
  36. How do I change my contingent beneficiary?

    Learn what life insurance companies and retirement plan accounts require from you to change your contingent beneficiary designations.
  37. What types of companies are in the automotive sector besides auto manufacturers?

    Explore the relationships between automobile manufacturers and the numerous other types of companies that work in the automotive ...
  38. What's the difference between a collateralized debt obligation (CDO) and a collateralized ...

    Find out how a collateralized mortgage obligation (CMO) is similar to a collateralized debt obligation (CDO), as well as ...
  39. If both the primary and contingent beneficiaries are unavailable, what happens to ...

    Understand the difference between primary and contingent beneficiaries and what happens to assets when neither are present ...
  40. How do government stimuli increase the number of jobs in the private sector?

    Learn how government stimuli increases the number of jobs in the private sector by increasing consumers' purchasing power ...
  41. Is Personal Legal Insurance A Good Deal?

    Some employers offer personal legal insurance as an opt-in benefit. Would it make sense for you?
  42. What types of insurance policies have contingent beneficiaries?

    Learn what types of insurance policies use contingent beneficiaries and what conditions must be met for the contingent beneficiary ...
  43. What are the three "nets" of an NNN lease?

    Learn what the three "nets" are in an NNN lease and how they affect the responsibilities of both landlord and tenant in a ...
  44. Is It Safe To Be Without Umbrella Insurance Today?

    At low cost, you can buy significant extra liability coverage in case you're sued due to an accident or other trouble. See ...
  45. What are the differences between single, double and triple-net leases?

    Learn the ins and outs of net lease agreements, including the key differences between single net, double net and triple net ...
  46. Under what circumstances will a contingent beneficiary receive an insurance payout?

    Learn the different types of contingent beneficiaries and what conditions must be met for these beneficiaries to receive ...
  47. Do contractors require subrogation clauses for their contract workers?

    Discover if general contractors require subrogation clauses when hiring contract workers and what form documents are most ...
  48. Why would a homebuyer need to take out PMI (private mortgage insurance)?

    Learn why some home buyers are required to take out private mortgage insurance (PMI), and how it affects the total monthly ...
  49. Can you ask your landlord to remove a waiver of subrogation clause from your lease?

    Learn how to remove a waiver of subrogation clause from a lease. Find out also why you might not want to strike this clause ...
  50. Are waivers of subrogation clauses ever ineffective in preventing a third-party lawsuit?

    Learn why a waiver of subrogation clause in your lease or construction contract is no solid guarantee that you won't end ...
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