Increases in Risk and the Demand for Insurance

AbstractA three-wave cascade model linking life stress to increases in risk behavior was tested with 347 African American emerging adults living in the rural South. Data analyses using structural equation modeling and latent growth curve modeling demonstrated that life stress was linked to increases in risk behavior as African Americans transitioned out of secondary school. The cascade model indicated that life stress fostered increases in negative emotions. Negative emotions, in turn, were linked to increases in affiliations with deviant peers and romantic partners; this forecast increases in risk behavior. The findings supported a stress proliferation framework, in which primary stressors affect increases in secondary stressors that carry forward to influence changes in risk behaviors that can potentially compromise mental health.

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Theodore Roosevelt (CVN 71) Construction Schedule Compression

Journal of Ship Production ◽

10.5957/jsp.1986.2.2.59 ◽

1986 ◽

Vol 2 (02) ◽

pp. 59-62

Author(s):

Irving D. Halper

Keyword(s):

Business Strategy ◽

Sole Source ◽

Industrial Processes ◽

Aircraft Carrier ◽

Theodore Roosevelt ◽

Shipbuilding Industry ◽

Ship Construction ◽

Schedule Compression ◽

Construction Schedule ◽

Increases In Risk

This paper examines the environment in which improvements in ship construction can occur and looks at the type of planning that must be done to ensure benefits are realized. The Navy is now the major customer of the U.S. shipbuilding industry, and even with the increased emphasis on competitive procurement, by necessity, contracts for a significant amount of sole-source ship construction will exist due to technical or facility constraints. For these contracts, as well as many others, the shipbuilder has a limited incentive to accept the increases in risk inherent in changing his business strategy and existing industrial processes. Recognizing this problem, the Navy began, successfully, to change the environment for aircraft carrier construction. This paper describes the Navy's efforts.

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Retinopathy of Prematurity: A New Epidemic?

PEDIATRICS ◽

10.1542/peds.83.4.486 ◽

1989 ◽

Vol 83 (4) ◽

pp. 486-492

Author(s):

Donna L. Gibson ◽

Samuel B. Sheps ◽

Martin T. Schechter ◽

Sandra Wiggins ◽

Andrew Q. McCormick

Keyword(s):

British Columbia ◽

Birth Weight ◽

Retinopathy Of Prematurity ◽

Population Level ◽

Population Based ◽

Standardized Incidence Ratio ◽

Canadian Province ◽

Annual Population ◽

Diagnostic Changes ◽

Increases In Risk

This study provides the first empiric evidence for the existence of a new epidemic of retinopathy of prematurity-induced blindness. Data from a population-based register of handicapping conditions in the Canadian province of British Columbia, and a birth weight-specific census of live-born infants in British Columbia, were used to determine annual, population-level incidences of retinopathy of prematurity-induced blindness during 1952 to 1983. Changes in incidence since the end of the original epidemic (1954) were determined by subdividing the 29-year period (1955 to 1983) into two intervals (1955 to 1964 and 1965 to 1983). Standardized incidence ratio analyses revealed a marginally significant increase in the overall incidence of retinopathy of prematurity-induced blindness in the later as compared with the earlier period. Infants weighing 750 to 999 g at birth had a significantly increased standardized incidence ratio of 3.07 (95% confidence interval 1.26, 11.06). No increases in risk were observed in heavier or lighter weight infants. Because ascertainment and diagnostic changes do not explain the weight-specific increases in incidence, these results provide the first population-level evidence for a new epidemic.

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Poor Claims Settlement And Demand For Insurance Policies In Nigeria

Advances in Social Sciences Research Journal ◽

10.14738/assrj.84.9938 ◽

2021 ◽

Vol 8 (4) ◽

pp. 53-64

Author(s):

Omowumi Ayoni Momoh ◽

Oyefemi Ismail O. Oyetunji

Keyword(s):

Insurance Industry ◽

Insurance Companies ◽

Primary Data ◽

Demand For Insurance ◽

Insurance Policies ◽

Chi Squared ◽

Insurance Firms ◽

And Control ◽

Structured Questionnaire

This study investigates the poor claims settlement and demand for insurance policies in Nigeria to provide empirical evidence which would assist not only the insurance companies but also the policymakers by using these findings to design future insurance services and policies that can be geared towards promoting insurance market development. The population focused in the study included few licensed insurance firms in Nigeria. This is due to the fact that they dominate and control the larger interest in the market share. Primary data was used for this study through well-structured questionnaire. Chi- squared statistics and correlation with the tabulated contingency table on the basis of an assumptions were employed. The results show that poor claim settlement has significant effect on demand for Insurance policies in Nigeria and that there is long term and significant relationship between poor claim settlement and demand for insurance policies in Nigeria. The study therefore, recommends that insurance industry should be redefined through appropriate Acts, introducing competitions and innovations in the services so as to compete effectively and meet consumer needs by dealing with changing expectations of policyholders so as to ensure that satisfaction of all the parties are guaranteed.

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Understanding Local Sea Level Rise Risk Perceptions and the Power of Maps to Change Them: The Effects of Distance and Doubt

Environment and Behavior ◽

10.1177/0013916517709043 ◽

2017 ◽

Vol 50 (5) ◽

pp. 483-511 ◽

Cited By ~ 10

Author(s):

David P. Retchless

Keyword(s):

Climate Change ◽

College Students ◽

Sea Level Rise ◽

Sea Level ◽

Risk Perceptions ◽

Online Survey ◽

Local Communities ◽

Bias Risk ◽

Interactive Map ◽

Increases In Risk

Audiences that view sea level rise as a distant hazard or hold doubtful or dismissive beliefs about climate change in general may not be receptive to information about this hazard. This study explores how maps may address these challenges to sea level rise communication by making visible the impacts of sea level rise on local communities. Using an interactive map of sea level rise in Sarasota, Florida and an accompanying online survey, it considers how college students from nearby and far away from Sarasota, and with different views about climate change, vary in their risk perceptions. Results show that, consistent with spatial optimism bias, risk perceptions increased more from pre- to post map for respondents far away from Sarasota than for those nearby, while respondents who were initially doubtful or cautious about climate change showed larger increases in risk perceptions than those who were disengaged or alarmed.

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