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"Fundamentals of Risk and Insurance, 11th Edition presents a thorough and comprehensive introduction to the field of insurance while emphasizing the consumer. The new edition first examines the concept of risk, the nature of the insurance device, and therinciples of risk management. It then discusses the traditional fields of life and health insurance as solutions to the risks connected with the loss of income. Fundamentals of Risk and Insurance, 11th Edition alsodeals with the risks associated with theownership of property and legal liability. "--
List of contents
Chapter 1: The Problem of Risk
Chapter 2: Introduction to Risk Management
Chapter 3: The Insurance Device
Chapter 4: Risk Management Applications
Chapter 5: The Private Insurance Industry
Chapter 6: Regulation of the Insurance Industry
Chapter 7: Functions of Insurers
Chapter 8: Financial Aspects of Insurer Operations
Chapter 9: The Legal Framework
Chapter 10: Managing Personal Risks
Chapter 11: Social Insurance Programs
Chapter 12: Introduction to Life Insurance
Chapter 13: The Actuarial Basis of Life Insurance
Chapter 14: The Life Insurance Contract--General Provisions
Chapter 15: The Life Insurance Contract--Other Provisions
Chapter 16: Special Life Insurance Forms
Chapter 17: Buying Life Insurance
Chapter 18: Annuities and Pension Benefits
Chapter 19: Managing the Retirement Risk
Chapter 20: Health Insurance: Disability Income Insurance
Chapter 21: Health Insurance: Coverage for Medical Expenses
Chapter 22: Health Insurance for the Elderly
Chapter 23: Employee Benefits and Other Business Uses of Life and Health Insurance
Chapter 24: The Homeowners Policy--General Provisions
Chapter 25: The Homeowners Policy Forms
Chapter 26: Other Personal Forms of Property Insurance
Chapter 27: Negligence and Legal Liability
Chapter 28: General Liability Insurance for the Individual
Chapter 29: The Automobile and its Legal Environment
Chapter 30: The Personal Auto Policy
Chapter 31: Commercial Property Insurance
Chapter 32: Commercial Liability Insurance
Chapter 33: Surety Bonds and Trade Credit Insurance
Chapter 34: Insurance in the Future
11185345063ENPreface xi
Summary xiii
1 Introduction 1
1.1 Motivation and background 1
1.2 A brief history of mathematical epidemiology 2
1.3 Organization of the book 5
References 6
2 Various epidemic models on complex networks 10
2.1 Multiple stage models 10
2.2 Staged progression models 13
2.3 Stochastic SIS model 17
2.4 Models with population mobility 19
2.5 Models in meta-populations 22
2.6 Models with effective contacts 24
2.7 Models with two distinct routes 26
2.8 Models with competing strains 28
2.9 Models with competing strains and saturated infectivity 31
2.10 Models with birth and death of nodes and links 33
2.11 Models on weighted networks 34
2.12 Models on directed networks 38
2.13 Models on colored networks 40
2.14 Discrete epidemic models 44
References 47
3 Epidemic threshold analysis 53
3.1 Threshold analysis by the direct method 53
3.2 Epidemic spreading efficiency threshold and epidemic threshold 69
3.3 Epidemic thresholds and basic reproduction numbers 76
References 98
4 Networked models for SARS and avian influenza 101
4.1 Network models of real diseases 101
4.2 Plausible models for propagation of the SARS virus 102
4.3 Clustering model for SARS transmission: Application to epidemic control and risk assessment 108
4.4 Small-world and scale-free models for SARS transmission 114
4.5 Super-spreaders and the rate of transmission 118
4.6 Scale-free distribution of avian influenza outbreaks 124
4.7 Stratified model of ordinary influenza 130
References 136
5 Infectivity functions 139
About the author
Therese M. Vaughan is the Robb B. Kelley Distinguished Professor of Insurance and Actuarial Science at Drake University. Prior to joining Drake, she served as Iowa Insurance Commissioner for over 10 years and as President of the National Association of Insurance Commissioners.
Summary
Fundamentals of Risk and Insurance, 11th Edition presents a thorough and comprehensive introduction to the field of insurance while emphasizing the consumer. The new edition first examines the concept of risk, the nature of the insurance device, and the principles of risk management.
