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Free research papers and essays on topics related to: insurance policies

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  • Accounting Differences - 1,245 words
    Accounting Differences General Comments about the Insurance Industry Insurance Companies generate revenues by selling insurance policies. These policies provide a known amount of revenue for an unknown amount of losses offsetting that revenue. This can make the matching principle difficult. Some of the potential losses can come years after the insurance policy was written and the premiums received. The liabilities for these future losses are estimated by actuaries and are subject to a certain amount of interpretation by management. The accounting for the premium revenues is reflected in written vs. earned premium. Various statutory requirements are based on written premium, which is the amou ...
    Related: accounting, insurance policies, revenue growth, chief executive, ratio
  • Accounting Differences - 1,256 words
    ... ce the company's inception in 1996. - Achieve earnings growth while maintaining balance sheet strength. - Reduction in exposure to areas with high catastrophic exposure. - Substantially resolve major portion of outstanding environmental Claims. (These claims are related to Asbestos and other environmental claims on policies written 20 + years ago. Policies written in last 20 years include and Environmental exclusion. At the time these policies were written, no person realized the long-term detrimental effects of what were, at the time, not known to be hazardous materials. Almost all old-line property and casualty companies have had to recognize their exposure to these types of claims.) - ...
    Related: accounting, annual report, chief operating officer, balance sheet, insurance
  • Association Of Certified Fraud Examiners - 904 words
    Association Of Certified Fraud Examiners Corporations are often the victims of the most common white-collar crimes that occur in corporate America. According to the Association of Certified Fraud Examiners (cfenet.com), "abuse and fraud by employees cost U.S. organizations more than $400 billion annually ... [which equals] $9 per employee per day." These statistics show the corporate need for forensic accountants, there also is an immense demand for these specialized accountants in the private sector. For example a forensic accountant is used to "quantify economic loss" (askhal.com) in personal injury cases. Forensic accounting is " an accounting analysis that is suitable to the court, which ...
    Related: certified, fraud, police force, computer applications, explosion
  • Black Boy By Richard Wright - 1,505 words
    Black Boy By Richard Wright At Richards' grandmother's house. He sets some curtains on fire, which leads to the house catching on fire. The family moves to Memphis. Richard hangs a cat after his father tells him to (sarcastically) Richard's mother punishes him. At six while hanging out at a saloon he becomes a drunkard. At this age there are no racial differences to him. Richard and his brother are taken to an orphanage to live. His father has left the family for another woman. His mother is ill and can't work. Chapter 2 His mother takes Richard and his brother to live at their grandmother's house. They move to Arkansas to live with Maggie and her husband b/c granny's religious rules tie the ...
    Related: black boy, black woman, richard wright, wright, research institute
  • Business Evaluation - 1,372 words
    Business Evaluation Business evaluation The subject that I interviewed was Mike Anderson from Allstate Insurance. Mike is an agent who owns his own office and has his own employees but at the same time is also an employee himself for the Allstate Corporation. The nature of Allstate is the sales of different lines of insurance policies. Mike's office is very service oriented although they are in the sales business. He classifies his office as a retail business with the explanation that he is selling something that is not provided directly by him, rather by the company, and because what he is selling is being bought. Allstate is a company that has many people that work for it. Each of these em ...
    Related: business cards, evaluation, sales person, life insurance, meetings
  • Dna Profiling - 1,211 words
    ... the fundamental principle of the insurance business is "pooling uncertainty." The concept of adverse selection also causes insurers much dismay. Adverse selection refers to the probability that people privately aware of a medical problem are more likely to seek medical insurance. This negates the insurers policy of setting premiums with accordance to statistical information on the rates of illnesses and sicknesses in society. "The whole foundation of insurance is based on the fact that we and the insurance applicant are operating with equal levels of knowledge and ignorance." Without this level of ignorance, insurance companies will lose their social value as a means of spreading risk a ...
    Related: dna profiling, profiling, genetic screening, statistical information, adverse
  • Dogs Chomp On More Than Four Million People A Year - 1,788 words
    Dogs Chomp On More Than Four Million People A Year. Dogs chomp on more than four million people a year. Dont be one of them. Dog bites on the rise Megan Boger of La Belle, Pa., returned from shopping with her mother and ran into the yard to greet the family pet, a part-cocker mutt named Blaze. Seconds later, her mom, Elena Boger, heard a snap and then shrieks from three-year-old Megan. There was blood all over her face from tooth punctures under an eye and around her mouth, she recalls. Elena and her husband rushed their sobbing child to a local hospital. But the injuries were severe enough that the Bogers were sent to Childrens Hospital of Pittsburgh, where a plastic surgeon stitched the ga ...
    Related: dogs, insurance policies, over time, aggressive behavior, continuing
  • Gay Rights Speech - 1,181 words
    Gay Rights Speech Speech in the Gay Rights Convention Prejudice against homosexuals is like warfare, in which there is no shelter and everyone is involved. The problem with prejudice and hate crimes is that many people are unaware of what they are. Many people today are disgusted with the concept of slavery and racism towards blacks. But one notion that people fail to comprehend is that they are emulating the puritans straightlaced beliefs and are prejudice against gays and lesbians. Many people are oblivious of the laws that prohibit homosexuals the rights that characterize them as human beings. Most of you do not think about your rights and they are frequently taken for granted. Also, nume ...
    Related: equal rights, gay rights, human rights, rights convention, more important
  • Government - 2,286 words
    ... ical examinations at recommended intervals than other children. Only 14 percent of Medicaid beneficiaries report dissatisfaction with the health care services they received, compared to 30 percent for the uninsured and 13 percent for those with private insurance. Unlike Medicare and private insurance policies, Medicaid generally does not require beneficiaries to pay premiums, deductibles, co-payments, or other out-of-pocket (so-called cost-sharing) fees that might discourage them from seeking treatment that they need. Because their incomes are so low, such charges would discourage many from visiting doctors or other health care providers. Most state Medicaid programs have made progress i ...
    Related: federal government, medicaid eligibility, managed care, fiscal year, fiscal
  • Inflation - 1,230 words
    Inflation INFLATION Inflation, in economics, is used to describe an increase in the value of money; in relation to the goods and services it will buy. Inflation is the sustained rise in the aggregate level of prices measured by an index of the cost of various goods and services. Repetitive price increase cause the purchasing power of money and other financial assets with fixed values, creating serious economic uncertainty. Inflation results when actual economic pressures anticipation of future developments cause the demand for goods and services to exceed the supply available at existing prices or when available output is restricted by undecided productivity and marketplace constraints. Cons ...
    Related: inflation, inflation rate, american revolution, middle ages, scarcity
  • Information Systems Implementation - 1,487 words
    Information Systems Implementation Company provides auto insurance coverage for licensed drivers in the state of Indiana. The companys headquarter is located in the city of Speedway where it has two strategic business units located at the cities of Waterloo and Corydon. In all, BWAIC employs approximately 150 people with internal departments consisting of the Policy, Claims, Payroll, Personnel, and Insurance Agents. Currently, BWAIC insures 50,000 policyholders statewide. Last year, BWAICs net profit was $875,000. With certain state regulations, along with related socioeconomic impacts, the company expects an increase of new policies to underwrite. Accordingly, BWAIC is interested in positio ...
    Related: implementation, information processing, information systems, business environment, insurance policies
  • Leadership Examples Log - 507 words
    Leadership Examples Log Leadership Examples Log Wednesday, August 23, 2000-The head football coach, Joe Hollis, shortened practice today because he said that the team was tired and needed some extra rest to make sure our legs are fresh for our first game on September 2, against North Carolina State. I think this displays his specialized role as a leader. That kind of decision rests singularly on his shoulders, players and coaches follow his decision because of his specialized role as the head football coach. Thursday, August 24, 2000- I read an article in Sports Illustrated about my favorite baseball player, Greg Maddux, pitcher for the Atlanta Braves. It discussed how well respected he was ...
    Related: leadership, role model, resource department, north carolina, specialized
  • Medical Insurance - 519 words
    Medical Insurance MEDICAL INSURANCE IS NON-BENIFICIAL The initial idea of medical insurance should have been a good idea as a way of helping Americans afford medical bills in a case of emergency or just routine physicals and check-ups. A lot of lower class Americans could not afford the treatment and would therefore go without medical attention in both of these cases. In cases of emergency, they would usually be put in to collection because they could not pay the bills after the treatment. The government decided to set a plan to have humans insured, just like automobiles, to supposedly make medical treatment available to all people - high, middle, or low class. This should have been a good i ...
    Related: health insurance, insurance, insurance policies, medical bills, medical treatment
  • Murder Commiting - 1,169 words
    Murder Commiting The problem with committing murder is the high risk of being caught. When you decide that murder is justified, the problem of how to do it and how to avoid being found out are your first thoughts. Unfortunately, the police have become very sophisticated in their investigating skills. Very few murderers get away with it, until now that is. There are ways to fool the police and the coroner's office. If more people knew how to blow up a car with Drano, or cause a massive heart attack without any physical signs of foul play, there would be a lot more unsolved or unexplained deaths in which many life insurance policies would be paid without question. In my experience, the method ...
    Related: personal experience, court room, waste disposal, mistake, justified
  • Regional Economic Impacts Of Idaho State - 2,829 words
    Regional Economic Impacts Of Idaho State The Regional Economic Impacts of Idaho State University, 1996 Dr. Richard Bowen, President of Idaho State University, requested the Center for Business Research to conduct a study of the impact of the University on Idaho, with particular emphasis on its regional impacts upon the Pocatello area. This publication reports the findings and results of that effort, which was begun in the fall of 1997. This report is a follow-up to, and a complete revision of, a previous study conducted in 1988 (A Report to the President of Idaho State University: The Impact of University-related Expenditures on Idaho's Economy, 1986-87). For several reasons, the direct comp ...
    Related: boise state university, bureau of economic analysis, economic activity, economic analysis, economic impact, idaho, impact assessment
  • Same Sex Marriagescalltoact Speech - 1,569 words
    Same Sex Marriages--Call-To-Act Speech Imagine you have fallen in love with the person of your dreams, and the two of you have discussed it and have decided to get married. Now imagine that the person you wish to marry is of a different race. It wouldn't be a big deal, right? Well, if this situation had occurred about 50 years ago, it would have been a huge deal. Just a generation ago, many states banned mixed marriages. Seems absurd, doesn't it? Discriminating against an individual like that because of the color of their skin? This is a situation in America that I am sure all of you are familiar with, and most all of us I am sure agree that just because a person has different colored skin d ...
    Related: american population, gay rights, american civil liberties union, activist, worry
  • Selfdefense In Criminal Cases - 1,314 words
    Self-defense in criminal cases. Let American Consumer Counseling Help you Get Out of Debt! Self-defense in criminal cases. One of the frustrations faced by many businesses is that after the perpetrators of crimes have been identified, the District Attorney's office will not pursue the case. One option is for victims to sue the DA in an attempt to compel him to prosecute, but this would be costly and proving dereliction of duty would be difficult. The DA is effectively immune. Other options are more promising. The law should encourage (and prosecutors' offices should welcome) private preparation of criminal cases. Prosecutors' budgets simply do not allow vigorous prosecution of all the availa ...
    Related: case law, criminal, criminal case, criminal justice, criminal prosecution
  • Year 2000 Bug - 1,600 words
    Year 2000 Bug The Millennial sun will first rise over human civilization in the independent republic of Kiribati, a group of some thirty low lying coral islands in the Pacific Ocean that straddle the equator and the International Date Line, halfway between Hawaii and Australia. This long awaited sunrise marks the dawn of the year 2000, and quite possibly, the onset of unheralded disruptions in life as we know it in many parts of the globe. Kiribatis 81,000 Micronesians may observe nothing different about this dawn; they only received TV in 1989. However, for those who live in a world that relies on satellites, air, rail and ground transportation, manufacturing plants, electricity, heat, tele ...
    Related: last year, computer industry, area network, average american, firm
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