This consumer-oriented textbook addresses the principles of risk
management without skimping on the discussion of insurance. It
summarizes the nature of pure risk on the individual and on society
and illustrates how insurance can be used to deal with the problems
posed by such risk. Mirroring the diverse experience of its
authors, the text is equally effective in presenting the principles
of insurance theory and offering how-to advice to students.
Throughout, the main emphasis is on the insurance product and the
use of insurance within the risk management framework. The
traditional fields of life insurance, health insurance, property
and liability insurance, and social insurance are treated in terms
of their relationship to the wide range of insurable risks to which
the individual and the business firm are exposed.
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