Insurance: Concept of Indemnity as Limiting Recovery on Fire Insurance Policies

1934 ◽  
Vol 32 (4) ◽  
pp. 529
Author(s):  
R. A. S.
Keyword(s):  
Insurance Policies ◽  
Fire Insurance

The Standard Mortgage Clause in Fire Insurance Policies

1933 ◽  
Vol 33 (2) ◽  
pp. 305
Keyword(s):  
Insurance Policies ◽  
Fire Insurance ◽  
In Fire

Comparison of One, Three, and Five-Year Fire Insurance Policies

1942 ◽  
Vol 16 (7) ◽  
pp. 338
Author(s):  
Irby C. Nichols
Keyword(s):  
Insurance Policies ◽  
Fire Insurance

Valuation and Measure of Recovery under Fire Insurance Policies

1949 ◽  
Vol 49 (6) ◽  
pp. 818
Keyword(s):  
Insurance Policies ◽  
Fire Insurance

Divisibility of Fire Insurance Policies

1912 ◽  
Vol 12 (1) ◽  
pp. 65
Keyword(s):  
Insurance Policies ◽  
Fire Insurance

Building History from Fire Insurance Records: An autobiographical fragment

Urban History ◽  
1976 ◽  
Vol 3 ◽  
pp. 7-14 ◽  
Author(s):  
M. W. Beresford
Keyword(s):  
Geographical Area ◽  
Love Affair ◽  
Industrial History ◽  
Insurance Policies ◽  
Documentary Sources ◽  
Fire Insurance ◽  
House Building

With documentary sources, as with one's friends, it is never easy to recall exactly when mere acquaintance passed into familiarity. I am somewhat shaken to see from its footnotes that when I wrote my chapter for the Chapman symposium in 1969–70 that I made no use of fire insurance policies for the dating of house-building, relying mainly on conveyances, estate-plans, rate books, press advertisements and family papers; the same range of sources employed over a far wider geographical area in Christopher Chalklin's recent study. My love affair with insurance policies is therefore relatively recent, and that of an ageing researcher, not to be compared with the amatory techniques of others who were using them for industrial history well before 1971. I have been an old man in a hurry, a scanner rather than a scholar; and these practical notes from a scanner will be superseded if the S.S.R.C. project for an index to the main registers is ever realized.

Analysts Predict Surge in Limited Insurance Policies

2005 ◽  
Vol 36 (9) ◽  
pp. 60
Author(s):  
JOYCE FRIEDEN
Keyword(s):  
Insurance Policies

Assessing the Impact of Suicide Exclusion Periods on Life Insurance

Crisis ◽  
2010 ◽  
Vol 31 (4) ◽  
pp. 217-223 ◽  
Author(s):  
Paul Yip ◽  
David Pitt ◽  
Yan Wang ◽  
Xueyuan Wu ◽  
Ray Watson ◽  
...  
Keyword(s):  
Life Insurance ◽  
Accidental Death ◽  
Insurance Policy ◽  
Death Rates ◽  
Insurance Policies ◽  
Suicidal Death ◽  
Insured Individual ◽  
The Impact ◽  
Insurance Data ◽  
The Relationship

Background: We study the impact of suicide-exclusion periods, common in life insurance policies in Australia, on suicide and accidental death rates for life-insured individuals. If a life-insured individual dies by suicide during the period of suicide exclusion, commonly 13 months, the sum insured is not paid. Aims: We examine whether a suicide-exclusion period affects the timing of suicides. We also analyze whether accidental deaths are more prevalent during the suicide-exclusion period as life-insured individuals disguise their death by suicide. We assess the relationship between the insured sum and suicidal death rates. Methods: Crude and age-standardized rates of suicide, accidental death, and overall death, split by duration since the insured first bought their insurance policy, were computed. Results: There were significantly fewer suicides and no significant spike in the number of accidental deaths in the exclusion period for Australian life insurance data. More suicides, however, were detected for the first 2 years after the exclusion period. Higher insured sums are associated with higher rates of suicide. Conclusions: Adverse selection in Australian life insurance is exacerbated by including a suicide-exclusion period. Extension of the suicide-exclusion period to 3 years may prevent some “insurance-induced” suicides – a rationale for this conclusion is given.

Sign in / Sign up

Export Citation Format

Share Document