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Questions for Review and Discussion 1. What is risk management and what is the purpose of insurance? 2. What are the contractual elements of an insurance agreement? 3. Why is insurable interest so important? 4. What are the differences among types of life insurance? 5. How does insurable interest differ with life insurance and property insurance? 6. What is a coinsurance clause: 7. What coverage is given by fire, marine, homeowner\'s, renter\'s, and flood insurance? 8. What differences exist among the of automobile insurance? 9. What benefits are included in health insurance policies? What are the steps in applying for, obtaining, and maintaining an insurance policy? Solution 1)Risk Management : Risk management involves the practice of understanding potential risks of future, analyzing in details and taking accurate steps to minimise it. Purpose of insurance : Damage to, or the loss of, physical assets Illness,Sudden Death of key members Compensation claims against the business Business interruption caused by external events such as terrorism Volatility and cash flow pressures following an incident 2) Conractual Eleements of Insurance agreement : Offer? ,Acceptance , Intention of legal consequences ,Consideration 3)Insurable Interset - The insurable interest requires at the time the policy purchasing People can sell life insurance policy in a \"life settlement\" transaction. Life settlement means the sale, assignment, transfer, or bequest of the death benefit or ownership of a life insurance policy by the owner of the policy. Owner of the policy collects cash and the life settlement company becomes the new owner and beneficiary of the policy and is responsible for the payment of all future premiums. Upon the death of the insured, the death benefit is paid to the life settlement company. 4) Differences among type of Life insurance : Term insurance : the most basic form of life insurance Endowment plans:maturity benefit Unit linked insurance plans (ULIP): Pay out the sum assured on death/maturity Whole life policy:Policy covers a policyholder over his life Money back policy:periodic payments over the policy term 5) Insurable interest from Life insurance & proprety insurnace : Insurable interest exists when an insured person derives a financial or other kind of benefit from the continuous existence of the insured object Life Insurnace Insurable interest refers to the right of property to be insured. It may also mean the interest of a beneficiary of a life insurance policy to prove need for the proceeds. Property insurance : People have an insurable interest in their property up to the value of the property, but not more. 6) CoInsurance Clause : Coinsurance in insurance, is the splitting or spreading of risk among multiple parties. A co-sharing agreement between the insured and the insurer under a health insurance policy which provides that the insured will cover a set percentage of the covered costs after the deductible has been paid. Similar to.
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