scholarly journals Personal insurance trends

2021 ◽  
Author(s):  
L.K. Ulybina ◽  
S.F. Stepanova ◽  
Z.N. Soroka
Keyword(s):  
Personal Insurance

Dealing with Asymmetric Information

2018 ◽  
Author(s):  
Martin Gustavsson
Keyword(s):  
Asymmetric Information ◽  
The State ◽  
Health Conditions ◽  
Depth Information ◽  
Conflicting Information ◽  
Market Organization ◽  
Personal Insurance

A dilemma for market organizers is created by the fact that sellers want to know as much about buyers as possible, whereas buyers rarely want the seller to have that information—not least for privacy reasons. This dilemma is affected by market organization, and market organization may also be used to try to change imbalances in the conflicting information interests. In the market for personal insurance, insurance sellers require in-depth information about the buyer’s health conditions, in order to make an accurate categorization. As this information is sensitive to buyers, however, and can potentially exclude them from the market, many buyers are concerned about sharing it. This chapter demonstrates how sellers have spent considerable resources trying to organize buyers. However, the considerable imbalance in favour of the sellers’ interests triggered buyers and their advocates to call for market reorganizations. Eventually the state reacted and reorganized the market, but only modestly so.

Income-contingent loan with personal insurance policy: an empirical assessment using Spanish data

2019 ◽  
Vol 51 (52) ◽  
pp. 5701-5711
Author(s):  
Francisco José Callado-Muñoz ◽  
Elena Del Rey ◽  
Natalia Utrero-González
Keyword(s):  
Insurance Policy ◽  
Empirical Assessment ◽  
Personal Insurance

CUSTOMS ADMINISTRATIONS IN A GLOBALIZING WORLD: NEED FOR INTERACTION

2020 ◽  
Author(s):  
L. E. Puinko
Keyword(s):  
Insurance Market ◽  
Standard Of Living ◽  
Insurance Companies ◽  
Globalizing World ◽  
Personal Insurance

Insurance products in the field of personal insurance, currently offered by insurance companies are diverse. In the Khabarovsk territory, the population is wary of voluntary personal insurance, including due to the level of income and standard of living. One of the directions of development of the insurance market is the integration of insurance products into the reserve financial savings of citizens, and there are prerequisites for this development in the region

Teachers and Coaches at Risk: How Personal Insurance Policies Help

1991 ◽  
Vol 62 (9) ◽  
pp. 76-79
Author(s):  
Cheryl A. Kolander ◽  
Joni L. Grayson ◽  
Lori K. Miller
Keyword(s):  
At Risk ◽  
Insurance Policies ◽  
Personal Insurance

Health Insurance Stability and Health Status

2008 ◽  
Vol 29 (11) ◽  
pp. 1471-1491 ◽  
Author(s):  
Robert B. Nielsen ◽  
Steven Garasky
Keyword(s):  
Health Insurance ◽  
Multivariate Analyses ◽  
Private Insurance ◽  
Insurance Coverage ◽  
Health Insurance Coverage ◽  
Adult Health ◽  
Program Participation ◽  
Public And Private ◽  
Policy Makers ◽  
Personal Insurance

Being uninsured affects one's ability to access medical services and maintain health. Using longitudinal data from the Survey of Income and Program Participation, the authors investigated how individual and family insurance coverage affects adult health. They found that health insurance coverage often varies across family members and changes frequently. Employing multivariate analyses that control for personal insurance status, predisposing characteristics, and enabling resources, the authors show that adults who are members of families that include other uninsured members are more likely to report poor health than adults in full-coverage families. Policy makers should consider refocusing public and private insurance coverage goals to include full-family coverage.

scholarly journals DEVELOPMENT OF «LIABILITY INSURANCE» IN GEORGIA FOR THE LAST 10 YEARS» (OVERVIEW OF 2008 - 2018)

2020 ◽  
Vol 15 (20) ◽  
pp. 60-72
Author(s):  
Roland Bregvadze
Keyword(s):  
Life Insurance ◽  
Human Life ◽  
Private Insurance ◽  
Medical Insurance ◽  
Liability Insurance ◽  
Insurance Companies ◽  
Legal Person ◽  
Important Place ◽  
Personal Insurance ◽  
Insurance Development

In Georgia, the insurance industry has been developing since 1997, since the establishment of insurance development strategy by the state, the LEPL State Insurance Supervision Service, the main insurance regulation law on insurance, normative and sub-legal acts have been developed, and an important place has been given to insurance relations in Georgian civil, air, marine and customs code. Several types of compulsory insurance have been introduced. Over time, with the realization of the benefits of insurance by the public and private business, there has been a growing demand for the various types of insurance offered by private insurance companies. Including types of personal insurance, property and financial risk insurance. There was also some demand for various liability insurance in both the corporate and retail markets. Nevertheless, judging by the statistics of the Georgian insurance market from 2008 to 2018, we will see that liability insurance is less prominent. Leading among the types of insurance are types of insurance such as medical insurance, auto insurance, property and life insurance. Liability insurance ranks sixth and seventh, both in terms of premiums attracted and policies issued. Liability insurance is less in demand today and is preceded by types of insurance such as medical insurance, motor insurance, property and life insurance. The separation of the type of liability insurance and the importance of its development is due to the fact that it is impossible to attribute it to property or personal insurance. If the object of property insurance is the property of a natural or legal person, and the property of a person - human life, health and ability to work, then the object of liability insurance is the liability of the insured (insured) for damage to a third party in accordance with law or contractual obligations. Therefore, the aim of the paper is to reflect to some extent the problems of liability insurance development in Georgia and to offer recommendations for their solution.

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