long essay topics on insurance

120+ Creative Insurance Project Topics For Students In 2023

Insurance plays a pivotal role in safeguarding individuals and businesses from unforeseen risks, offering a protective financial cushion in times of need. However, in academia, students often delve into the intricacies of insurance through dedicated projects. These insurance projects serve as essential tools for grasping the nuances of risk management, finance, and more.

But what exactly is an insurance project? It’s a comprehensive exploration of various facets of insurance, shedding light on principles, practices, and real-world applications. The importance of such projects for students cannot be overstated, as they provide a practical understanding of a vital industry.

In this blog, we’ll delve into the world of insurance projects, discussing their types, 120+ creative insurance project topics for students in 2023, essential components of a quality project, and the challenges and opportunities that await. Stay tuned with us to explore the dynamic realm of “insurance project topics.

What Is An Insurance Project?

Table of Contents

An insurance project is like a special school assignment where you learn about how insurance works. It’s a bit like when you study history or science, but here, you’re studying how insurance helps people and businesses. You look at things like how insurance companies calculate prices, why people need insurance, and how they pay when something goes wrong.

In an insurance project, you might also investigate different types of insurance, like car insurance or health insurance. It’s a bit like exploring different flavors of ice cream – each type of insurance is unique, and you get to understand how they work. Overall, an insurance project is like a learning adventure where you become a detective, figuring out how to protect people from bad things that can happen in life.

Types Of Insurance Projects

Insurance projects encompass a wide range of endeavors designed to provide individuals and organizations with financial protection against various risks and uncertainties. These projects are essential in mitigating potential losses and promoting economic stability. Here are some common types of insurance projects:

1. Life Insurance Projects

Projects involving life insurance entail drafting policies that, in the case of the policyholder’s passing, give beneficiaries financial support. These policies can be term life insurance, whole life insurance, or universal life insurance, each with distinct features and benefits.

2. Health Insurance Projects

Health insurance projects focus on developing and managing policies that cover medical expenses, ensuring individuals have access to quality healthcare. These projects often include collaborations with healthcare providers and regulatory compliance.

3. Property and Casualty Insurance Projects

Property and casualty insurance projects deal with protecting individuals and businesses against property damage, liability, and legal expenses. Examples include homeowners’ insurance, automobile insurance, and liability insurance.

4. Commercial Insurance Projects

Commercial insurance projects cater to the unique needs of businesses, providing coverage for property, liability, and other specialized risks. This category includes commercial property insurance, business liability insurance, and workers’ compensation insurance.

5. Reinsurance Projects

Reinsurance projects involve insurance companies seeking coverage for their own risk exposure by transferring a portion of their policies to other insurers. This helps manage their financial stability and protect against catastrophic losses.

Importance Of Insurance Projects For Students

Here are some importance of insurance projects for students:

1. Practical Learning

Insurance projects provide students with hands-on experience, helping them understand how insurance works in the real world. It’s like learning to ride a bike by actually riding one – students get to see insurance principles in action, making their knowledge more practical.

2. Risk Management Skills

These projects teach students about handling risks wisely. Just like a superhero who knows how to protect people from danger, students learn to protect businesses and individuals from financial risks by studying insurance.

3. Financial Literacy

Insurance projects help students become money-savvy. They learn how insurance can save people from big financial problems and how to manage their own money better in the future. Additionally, the advent of bizinsure Insurance Fintech is revolutionizing how these financial challenges are approached and resolved.

4. Problem-Solving Abilities

Students develop problem-solving skills when they explore different insurance scenarios. It’s like a puzzle where they figure out how to make things right when something goes wrong.

5. Career Opportunities

Understanding insurance through projects can open doors to various job opportunities in the insurance industry. It’s like having a map that shows them different paths to take in their future careers, making it an important step for their professional growth.

In this section we will discuss 120+ creative insurance project topics for students in 2023:

Life Insurance Project Topics

Actuarial Analysis of Life Insurance Policies
Consumer Behavior and Life Insurance Choices
The Impact of Medical Underwriting on Life Insurance Premiums
Assessing the Role of Life Insurance in Estate Planning
Evaluating the Tax Implications of Life Insurance Products
Analysis of Mortality and Morbidity Trends in Life Insurance
Innovation in Life Insurance Products: Trends and Implications
Market Penetration of Life Insurance in Developing Countries
Customer Retention Strategies in the Life Insurance Industry
Risk Management in Life Insurance Companies

Health Insurance Project Topics

Comparative Analysis of Health Insurance Plans
The Affordable Care Act’s Effect on Health Insurance Markets
Health Insurance Fraud Detection and Prevention
Telemedicine and Its Role in Health Insurance
Mental Health Coverage in Health Insurance Plans
Health Insurance and Healthcare Utilization Patterns
Long-Term Health Insurance: Needs and Challenges
International Perspectives on Health Insurance Systems
Health Insurance and Healthcare Disparities
Health Insurance and the Aging Population

Property and Casualty Insurance Project Topics

Catastrophic Risk Modeling in Property and Casualty Insurance
Claims Management and Fraud Detection in P&C Insurance
Data Analytics and Predictive Modeling in Property Insurance
Automobile Insurance Pricing and Risk Assessment
Climate Change’s Effect on Property Insurance
Cybersecurity Risks and P&C Insurance
Liability Insurance for Businesses: Coverage and Trends
Reinsurance Strategies in Property and Casualty Insurance
Telematics and Usage-Based Insurance in the Auto Industry
Emerging Risks in Property and Casualty Insurance

Commercial Insurance Project Topics

Risk Assessment in Commercial Property Insurance
Business Interruption Insurance: Claims and Controversies
Workers’ Compensation Insurance and Occupational Health
Liability Insurance for Small Businesses
Insurance Needs of the Hospitality Industry
Supply Chain Risk Management and Commercial Insurance
Insurtech Innovations in Commercial Insurance
Key Considerations for Commercial Property Valuation
Business Continuity Planning and Commercial Insurance
Commercial Fleet Insurance and Vehicle Safety

Reinsurance Project Topics

Reinsurance Market Dynamics and Trends
Risk Management Strategies for Reinsurance Companies
Catastrophe Bonds and Alternative Risk Transfer
Reinsurance Underwriting and Risk Selection
Retrocession and Its Role in Reinsurance
Reinsurance Pricing Models and Actuarial Methods
The Impact of Regulatory Changes on the Reinsurance Industry
Reinsurance and Solvency II Compliance
Mergers and Acquisitions in the Reinsurance Sector
Role of Reinsurance in Managing Emerging Risks

Specialty Insurance Project Topics

Specialty Insurance Products and Market Niche
Environmental Liability Insurance: Challenges and Opportunities
Kidnap and Ransom Insurance: Trends and Case Studies
Fine Art and Collectibles Insurance: Valuation and Coverage
Space Insurance and Coverage for Satellite Launches
Event Cancellation Insurance in the Entertainment Industry
Specialized Insurance Needs in the Energy Sector
Identity Theft and Cyber Insurance Coverage
Political Risk Insurance in International Trade
Unique Risks and Innovative Solutions in Specialty Insurance

Crop and Agriculture Insurance Project Topics

Crop Yield Risk Assessment and Insurance
Weather Index Insurance in Agriculture
Impact of Climate Change on Crop Insurance
Government Subsidies and Crop Insurance Participation
Crop Insurance and Sustainable Agriculture Practices
Challenges in Insuring Specialty Crops
Livestock Insurance and Disease Outbreaks
Precision Agriculture and Its Role in Crop Insurance
Agricultural Insurance and Food Security
Risk Management in Organic Farming and Agriculture Insurance

Marine and Aviation Insurance Project Topics

Maritime Insurance: Cargo and Hull Coverage
Marine Pollution and Liability Insurance
Aviation Insurance: Covering Aircraft and Airlines
Terrorism Risk and Aviation Insurance
Space Exploration and Insurance for Spacecraft
Drone Insurance and Regulatory Challenges
Maritime Piracy and Kidnap Insurance for Seafarers
International Shipping Risks and Marine Insurance
Aviation Underwriting and Risk Management
Environmental Liability in Maritime and Aviation Insurance

Environmental and Pollution Insurance Project Topics

Environmental Liability Insurance in Industrial Settings
Pollution Cleanup Costs and Insurance Coverage
Insurance Solutions for Environmental Contractors
Emerging Contaminants and Their Insurance Implications
Climate Change and Its Impact on Environmental Insurance
Regulatory Compliance and Environmental Liability Coverage
Environmental Insurance Market Trends and Challenges
Assessing and Managing Liability in Brownfield Sites
Green Building and Insurance for Sustainable Construction
Case Studies of Environmental Insurance Claims

Personal Insurance Project Topics

Homeowners Insurance: Coverage and Risk Assessment
Auto Insurance: Pricing, Coverage, and Discounts
Life Events and Personal Insurance Needs
Umbrella Insurance Policies: Coverage and Benefits
Personal Liability Insurance for Individuals
Renters Insurance: Importance and Coverage Options
Personal Property Insurance and Valuation
Pet Insurance: Trends and Coverage
Travel Insurance and Its Role in Vacation Planning
Insurance for High-Value Personal Assets and Collectibles

Legal Expenses Insurance Project Topics

Legal Expenses Insurance: Overview and Market Analysis
Legal Aid and Access to Justice through Insurance
Personal Legal Expenses Insurance: Benefits and Coverage
Litigation Funding and Legal Expenses Insurance
Insurance for Business Legal Expenses and Risk Management
Regulatory Compliance and Legal Expenses Insurance
International Perspectives on Legal Protection Insurance
Cyber Liability and Legal Expenses Coverage
Legal Expenses Insurance and Dispute Resolution
Ethics and Legal Expenses Insurance in the Legal Profession

Long-Term Care Insurance Project Topics

Long-Term Care Insurance: Market Trends and Challenges
The Growing Population’s Requirement for Long-Term Care Insurance
Medicaid and Long-Term Care: Interplay and Coverage Gaps
Hybrid Long-Term Care Insurance Products
Actuarial Considerations in Long-Term Care Insurance Pricing
Alzheimer’s Disease and Long-Term Care Planning
Regulatory Oversight of Long-Term Care Insurance
Family Dynamics and Long-Term Care Decision-Making
Home Care vs. Nursing Home Care: Insurance Implications
Claims Management in Long-Term Care Insurance

Cyber Insurance Project Topics

Cybersecurity Risks and the Need for Cyber Insurance
Data Breach Insurance: Coverage and Risk Assessment
Actuarial Models for Pricing Cyber Insurance
Cyber Risk Management and Insurance Solutions for Businesses
Regulatory Compliance and Cyber Insurance
Ransomware Attacks and Cyber Insurance Claims
Cyber Insurance Underwriting and Risk Selection
Emerging Cyber Threats and Insurance Implications
Cyber Insurance for Small and Medium-Sized Enterprises
Reinsurance Strategies in the Cyber Insurance Market
MBA HR Project Topics
Health Related Research Topics

Essential Things That Must Be Present In A Good Insurance Project Topics

Here are some essential things that must be present in a good insurance project topic:

1. Relevance

A good insurance project topic must be relevant to real-life situations. Just like a story that makes sense, the topic should address current insurance issues or needs, making it useful and meaningful.

2. Clear Focus

The topic should be like a flashlight in a dark room, helping students see their way. It must have a clear and specific focus so that students can explore it thoroughly without getting lost.

3. Research Opportunities

An ideal project topic should provide room for research. It’s like a treasure hunt, where students can dig deep and find valuable information to enrich their project.

4. Practical Application

The chosen topic should be something that can be applied practically. It’s like learning to cook a new recipe; students should be able to take what they’ve learned and use it to solve insurance-related problems.

5. Educational Value

Lastly, the topic should be educational, helping students learn new things about insurance. It’s like a book that’s not just interesting but also teaches valuable lessons, ensuring students gain knowledge and insights from their project.

Challenges Face By Students In Insurance Projects

Undertaking insurance projects can be an enriching experience for students, but it’s not without its challenges. These projects often require a deep knowledge of complex financial concepts, extensive research, and critical thinking. Here are some common challenges students may face:

Complex Terminology: Students may struggle with the jargon and technical language commonly used in insurance, making it hard to grasp the finer details.
Data Collection: Gathering accurate and relevant data for analysis can be time-consuming and demanding, especially when dealing with real-world insurance scenarios.
Mathematical Calculations : Insurance projects often involve intricate mathematical calculations , and errors can harm project accuracy.
Industry Knowledge: A lack of familiarity with the insurance industry and its evolving trends can pose a significant challenge in producing well-informed projects.
Resource Constraints: Limited access to resources like industry experts or databases can hinder in-depth research.
Analytical Skills : Interpreting and analyzing data can be challenging, especially for students with limited experience in statistics and data analysis.
Time Management: Balancing project work with other academic commitments can be daunting, as insurance projects demand thorough research and analysis.

Insurance project topics have shed light on the significance of these projects for students. We’ve discovered that insurance projects offer invaluable practical learning experiences, imparting essential skills like risk management and financial literacy. They provide doors to various opportunities and act as a stepping stone toward a future career in the insurance sector.

Furthermore, we’ve highlighted the crucial attributes of a good insurance project topic: relevance, focus, research potential, practical applicability, and educational value. With a repertoire of 120+ creative project ideas for 2023, students now have a roadmap to embark on their insurance learning journey. In the ever-evolving world of insurance, these projects empower students to navigate and contribute to this critical field.

Step by Step Guide on The Best Way to Finance Car

The Best Way on How to Get Fund For Business to Grow it Efficiently

Essay on Insurance

Students are often asked to write an essay on Insurance in their schools and colleges. And if you’re also looking for the same, we have created 100-word, 250-word, and 500-word essays on the topic.

Let’s take a look…

100 Words Essay on Insurance

What is insurance.

Insurance is like a safety net. It’s a way of protecting yourself or your things against unexpected events. You pay a little bit of money regularly to an insurance company, and if something bad happens, like a car accident or your house catching fire, the company helps you by paying for the losses.

Types of Insurance

There are many kinds of insurance. Health insurance helps with medical bills. Car insurance covers car damage or accidents. Home insurance pays for repairs if your house is damaged. Life insurance supports your family if you pass away.

Why Insurance Matters

Insurance is important because it gives you peace of mind. You don’t have to worry about huge costs if something goes wrong. It’s a smart way to plan for the future and keep you and your family safe from big, unexpected expenses.

250 Words Essay on Insurance

Insurance is like a safety net. Imagine you have a piggy bank where you save money for when something unexpected happens. Insurance is similar, but instead of a piggy bank, you give money to a company. This company promises to help you if you have a big problem, like if your house catches fire or you get very sick.

There are many kinds of insurance. Health insurance helps pay your doctor’s bills. Car insurance helps cover costs if your car gets damaged or if you hurt someone in an accident. Home insurance helps fix your house if it gets damaged. Life insurance supports your family with money if you pass away.

How Insurance Works

You pay a small amount of money regularly, called a premium, to the insurance company. Many people do this, and the company collects a lot of money. Most of the time, nothing bad happens, so the company doesn’t need to use all the money. But when someone who has insurance faces a big problem, the company uses the money to help them.

Why Insurance is Important

Insurance is important because it protects you from big surprises that can cost a lot of money. Without insurance, you might have to pay all the costs by yourself, which can be very hard. With insurance, you can feel safer knowing that help is there if you need it.

In conclusion, insurance is a way to stay safe financially. It’s like having a big group of friends who all put their money together to help each other when something goes wrong.

500 Words Essay on Insurance

Insurance is like a safety net. Imagine you’re walking on a tightrope high in the air. If you fall, the safety net catches you. That’s what insurance does. It catches you when something goes wrong, like if you get sick, your car gets into an accident, or your house gets damaged by a storm.

There are many kinds of insurance for different things. Health insurance helps pay for doctor’s visits and medicines. Car insurance helps with costs if your car gets damaged or if you damage someone else’s car or property. Home insurance helps fix your house if something bad happens to it, like a fire or a flood.

How Does Insurance Work?

Insurance works by collecting a small amount of money, called a premium, from a lot of people. Most of these people won’t need to use the insurance, but the money is there to help the few who do. It’s like a piggy bank that everyone puts money into, but only some will need to take money out when they have an accident or emergency.

Why Do We Need Insurance?

We need insurance because bad things sometimes happen, and they can cost a lot of money. If you get sick and need to go to the hospital, the bill can be very high. If you didn’t have insurance, you might not be able to pay it. With insurance, you don’t have to worry as much because it helps cover the costs.

Choosing the Right Insurance

Picking the right insurance is important. You have to think about what you need to protect. If you have a car, you need car insurance. If you live in a place where there are lots of storms, you should have good home insurance. Also, you should look at how much the insurance costs and what it covers. Some insurance is cheaper, but it might not cover everything.

Insurance is a Promise

Insurance is like a promise. The insurance company promises to help you if something bad happens. In return, you promise to pay a little bit of money regularly. It’s important to keep that promise because if you don’t pay, the insurance won’t be there when you need it.

In conclusion, insurance is a very helpful tool that protects us from big surprises that can hurt our wallets. It’s a way for a group of people to help each other out. Everyone pays a small amount to be safe, and if trouble comes, the insurance is there to catch them. It’s important to choose the right insurance for you and to keep paying your part, so the safety net stays strong and ready. Remember, insurance is there to make sure that if something goes wrong, you won’t be alone.

That’s it! I hope the essay helped you.

If you’re looking for more, here are essays on other interesting topics:

Essay on Personal Pilgrimage
Essay on Personal Life Reflection
Essay on International Tourism

Apart from these, you can look at all the essays by clicking here .

Happy studying!

Essays on Insurance

The importance of writing an essay on insurance.

Writing an essay on insurance is important for several reasons. Firstly, insurance is a crucial aspect of modern life, as it provides individuals and businesses with financial protection against unforeseen events. Understanding the concept of insurance and its various types is essential for anyone who wants to make informed decisions about their financial well-being. Additionally, writing an essay on insurance allows individuals to delve deeper into the topic, gaining a better understanding of its complexities and implications.

When writing an essay on insurance, it is important to consider the following tips:

Research: Start by conducting thorough research on the topic. This may include studying the history of insurance, its different types, and how it works.
Structure: Organize your essay into clear and logical sections, such as , body, and . Each section should address a specific aspect of insurance.
Clarity: Use clear and concise language to explain complex insurance concepts. Avoid using jargon or technical terms without proper explanation.
Evidence: Support your arguments with evidence, such as statistics, case studies, or expert opinions. This will add credibility to your essay.
Critical Thinking: Analyze the advantages and disadvantages of insurance, and consider the ethical and social implications of its use.
Revision: Finally, revise and edit your essay to ensure it is well-structured, coherent, and free of errors.

Writing an essay on insurance is important for gaining a deeper understanding of this vital aspect of modern life. By following the aforementioned tips, individuals can produce well-researched and insightful essays that contribute to the broader conversation about insurance and its role in society.

The Importance of Health Insurance in Today's Society

The Role of Insurance in Risk Management

The Impact of Insurance on Economic Stability

The Evolution of Insurance Industry

The Role of Insurance in Disaster Preparedness and Recovery

The Impact of Digital Transformation on Insurance Industry

The Role of Insurance in Climate Change Adaptation

The Ethics of Insurance Industry

The Future of Insurance Industry in the Age of AI and Automation

The Role of Insurance in Promoting Financial Inclusion

Insurance is a multifaceted industry that plays a critical role in modern society, providing financial protection, risk management, and economic stability. These essay topics cover a wide range of issues and trends in the insurance industry, offering valuable insights into its importance and impact on individuals, businesses, and the broader economy.

Overview of The Insurance Policy of The Companies

General insurance of commercial liability, made-to-order essay as fast as you need it.

Each essay is customized to cater to your unique preferences

+ experts online

Review of The Case of The Company Insurance Risks

Using universal basic income and unemployment insurance to help citizens cope with unemployment, health insurance politics in the usa, life insurance demand, let us write you an essay from scratch.

450+ experts on 30 subjects ready to help
Custom essay delivered in as few as 3 hours

Pros and Cons of Life Insurance

Credit insurance - an art and science of managing cash flow, the public liability insurance act, a look at the countries suitable for bfsi: banking, financial services, and insurance, get a personalized essay in under 3 hours.

Expert-written essays crafted with your exact needs in mind

Compensation in Case of Animal Attack

Insurance an attractive mode of investment, significant advantages of purchasing an insurance plan, north carolina car insurance for teenagers , features of firm with life insurance, life insurance is key to development of any economy, relevant topics.

Transportation
Fire Safety
Public Transport
Health Insurance
Traffic Congestion
Amusement Park
Affordable Housing
Abraham Lincoln
Andrew Jackson

By clicking “Check Writers’ Offers”, you agree to our terms of service and privacy policy . We’ll occasionally send you promo and account related email

No need to pay just yet!

We use cookies to personalyze your web-site experience. By continuing we’ll assume you board with our cookie policy .

Instructions Followed To The Letter
Deadlines Met At Every Stage
Unique And Plagiarism Free

121 Health Insurance Essay Topics

🏆 best essay topics on health insurance, ✍️ health insurance essay topics for college, 👍 good health insurance research topics & essay examples, 🌶️ hot health insurance ideas to write about, ❓ research questions on health insurance.

Why Health Insurance Should Cover Art and Music Therapy?
Children’s Health Insurance Program: The Role of Nurses
Health Insurance for Employees
Limited Access to Health Insurance for Low-Income Families
Health Insurance: Prisoner’s Dilemma
Health Maintenance Organization Insurance
Role of Mandatory Health Insurance
Government and Private Health Insurance According to the Census Bureau, government insurance plans have 38% of Americans in comparison to 67% of people who get private health insurance services.
National Health Insurance: Contrarguments In this paper, the arguments of the opponents that were presented to advocate for national healthcare insurance (NHI) are going to be countered.
Healthcare Public Financing and Insurance In the United States of America, there is a large portion of the population that does not have health insurance. This tendency occurs because health insurance is quite expensive.
Expanding Medicare and Medicaid into a National Health Insurance System The paper analyzes the reasons why the national healthcare insurance program should be implemented and presents critics on how the initiative should be realized.
Health Insurance Coverage in Florida Health insurance coverage is comprehensive coverage on the means of financing an individual’s healthcare expenses.
The Emergence of Private Health Insurance The study of the issue of the emergence of private health insurance and how it arose in society has exceptional value for study.
Healthcare Insurance in the USA The healthcare policies on insurance coverage in the USA need to benefit all people. The paper discusses insurance healthcare policies as social welfare concept.
National Health Insurance in the United States In this paper, attention will be paid to the history of the U.S. healthcare system, current reimbursement methodologies, technological advancements, and costs.
Social Welfare Policy and Healthcare Insurance Healthcare insurance must be more affordable; in the modern US, low-income people, especially immigrants, are uninsured and cannot afford health insurance coverage.
Health Insurance Calculations Regarding Medicare The current paper indicates that when it comes to reimbursement, the CMS says that, on average, Medicare covers around 80% of all payments.
Issue of the Urgent Need for Health Insurance The paper states that the urgent need for health insurance disorients people. Failing to find quick insurance, they abandon it and put themselves at risk.
Health Costs and Insurance in Healthcare This paper provides a summary of the article on health costs “You can appeal a Medicare premium surcharge” and gives health insurance evaluation.
Researching of Health Insurance Plans The paper analyses how health insurance impacts future job research and compares and contrasts three New York City insurance offerings.
Abolishing Out of Pocket Healthcare Insurance The paper discusses out-of-pocket healthcare. It refers to a mode of healthcare payment that entails using one’s own money to purchase health services.
Employer-Provided Health Insurance (EPHI) Model EPHI is the predominant healthcare insurance model available in the United States. It includes access to medical services, lower out-of-pocket payment, and saving time.
Tricare and Other Health Insurance Programs This paper helps to understand the main programs of Tricare in detail and in nuance required by a healthcare professional.
Primary, Secondary, and Supplementary Health Insurance A medical insurance policy covering a client as a subscriber, an employee, or a member is known as primary insurance.
Health Insurance Portability and Accountability Act HIPAA provides a solid framework for ensuring PHI security across the US healthcare system. It is partially inadequate to the current situation.
State Children’s Health Insurance Program The SCHIP is a program between the federal and state governments that provides comprehensive health care coverage to uninsured children from financially-challenged families.
Health Insurance Myth and Misconceptions in Nursing This paper discusses the article “Myths and misconceptions about US health insurance” about the failure to understand the complicated process of health insurance.
Healthcare Insurance: Effects of Adverse Selection People will go for insurance plans where they pay the minimal amount of premiums but get the maximum cover. This type of reasoning is referred to as adverse selection.
Moral Hazard in Healthcare Insurance Moral hazard in health insurance refers to the additional medical care that an individual gets on the basis of higher insurance coverage.
The Health Insurance Portability and Accountability Act The Health Insurance Portability and Accountability Act is one of the most important acts, which aims at creating proper insurance for people and abuse in health care.
Health Care Economics Analysis: The Price of Health Insurance The price of health insurance is defined by the economic textbook as the fee for loading or the surplus after subtracting the premium from the expected payout.
For Humana Incorporation: Health Care Insurance and Financial Status Humana Incorporation is both an urban and rural organization because it markets its insurance plans and health care services to potential patients and customers across the country.
USHCS Perspective: A Structured Analysis of Children’s Health Insurance This paper provides a structured analysis of the Maryland Children’s Health Insurance by providing an insight into the organization’s overview.
The Health Care Insurance Supervisor: Job Description The job description covered most of the aspects of my roles as the supervisor at healthcare insurance organization.
Heart-Healthy Insurance Information Security Policy The earlier versions of the security management system are now less effective. The paper is a recommendation that may help in ensuring that the company’s data is well protected.
Medical Records and Health Insurance and Portability Act Health Insurance and Portability Act (HIPAA) 1996 was passed with an aim of protecting privacy of medical records.
Healthcare Insurance Development and Importance This paper offers an overview of the formation and development of health insurance in the United States, a description of its current situation and possible prospects.
Quality Improvement and the Need for Healthcare Insurance Essay has illustrated the magnitude of the need for healthcare insurance for the citizens of the United States, both young and old.
The United States’ Universal Health Insurance The majority of American citizens pay for and receive healthcare through private organizations, in other countries, a significant part of medicine is provided by the public sector.
Health Insurance in the US The US health insurance system contains multiple organizations that work to reduce the burden of the increasing costs of health services in the country.
Health Insurance: Overview of Insurance Plans in USA In this article, the author looks at the various insurance plans available in the US, their coverage, and target populations.
Health Promotion Role in Reducing Health Insurance Costs Health promotion is crucial as it ensures that people understand the risks of their lifestyle and the know-how to avoid them.
Small Businesses’ Dilemma of Providing Health Insurance Plans for Their Employees No legislation exists that demands small employers to offer health insurance. Having a health insurance cover for employees provides several benefits to the company.
Healthcare Economics: How Private Insurance Works Healthcare and economics can be defined as issues related to the allocation of healthcare services to a human being.
Health Insurance Crimes in the United States There need to be more stringent regulations in the way Medicare claims are filed and met, a concerted effort from the part of patients, physicians, insurers, and the government.
Human Resource in Healthcare: Health Insurance It is perceived that large differences exist in employer sponsored insurance coverage between young adults and their older counterparts
Health Insurance Exchange: Economic Perspective A health insurance exchange or marketplace is defined as an area where residents may identify the conditions for having health insurance.
Debate on Abortion Insurance in South Dakota The Healthcare Insurance Ban health policy in South Dakota is a public health concern and a direct violation of federal law.
Health Insurance Abortion Ban in South Dakota The policymakers of South Dakota should strive to ensure that the Health Insurance Abortion ban is more inclusive by considering rape and incest-related pregnancies.
National Health Insurance: Debate Summary This work presents the flow of discussion about the National Health Insurance system showing its potential influence on the development of the policies and summarizes the outcomes.
Sociology: Economic Class and Health Insurance The paper explores the hypothesis that higher economic class people are more likely to have comprehensive health insurance.
The State Children’s Health Insurance Program Having conducted a thorough analysis of the shortcomings of the SCHIP, I came to the conclusion that the program has good potential, even though it should be revised.
Health Insurance for Children With Special Needs The health gaps affecting CSHCN are products of two major factors – low levels of health literacy (social impediments to health care access) and poor government policies.
Florida Health Care Insurance This work includes information on health insurance, general health statistics of the population in Florida, and the state’s position on health care reform.
National Health Insurance and Its Disadvantages National health insurance (NHI) invariably becomes a reason for heated debates since the beginning of its history in 1912.
Website Health Insurance in Florida This paper analyzes the question of what does the website reveals about health insurance and health care reform in the state of Florida.
Health Insurance Benefits and Cost Reduction This essay seeks to evaluate how health insurance benefits affect an organization’s strategic goal setting, as well as how organizations can ensure cost reductions.
Florida Abortion Policies and Health Insurance Health plans that are provided in the Florida state’s health exchange by ACA may only cover abortion in the cases when the life of the woman is at risk.
Safety of Healthcare Information: The Health Insurance Portability and Accountability Act The general provisions of HIPAA establish the definitions for key terms, for example, PHI, health insurance coverage, group health plan, and covered entities.
Health Care Reform and Insurance in Florida The lack of sufficient health insurance in Florida coverage is one of the critical issues that prevent it from being considered healthy.
Medicaid Versus No Health Insurance In many ways, at the moment, the opinions on Medicaid became very radicalized. People sometimes claim that studies showed too little difference between treatment received
Health Insurance Policy’s Impact on Nursing The federal policy that has a significant impact on the role of the advanced practice registered nurse is the Health Insurance Portability and Accountability Act (HIPAA).
Health Promotion: Health Insurance Costs Reducing Health promotion is targeted towards increasing the control over the health of the target audiences as well as the improvement of their health.
Patient Healthcare: Health Insurance Portability and Accountability Act The healthcare system is concerned with the duties of providing the people with treatment, prevention measures, and overall management of health.
Health Economics – Health Insurance Market failure is the term used by economists to describe instances where insurance markets fail to provide adequate insurance services at reasonable prices.
An Economic Analysis of the National Health Insurance In this paper, an economic analysis of a National Health Insurance is going to be carried out, in the US context. There is going to be presentation of the historical background of Insurance.
Affordable Child Health Insurance in San Antonio Texas
Health Insurance Coverage and the Role of Income Uncertainty
Everyone Has the Right to Have Health Insurance in the US
Get Affordable Health Insurance in Tennessee
The U.S. Health Insurance Industry
Health Insurance and Health Care in America
Trends, Benefits, and Impact of Consumer Health Insurance
Health Insurance and the U.S. Labor Market
State Children Health Insurance Programs USA
Affordable Health Insurance for Unemployed
Price-Linked Subsidies and Health Insurance Markups
Expanding Health Insurance for the Elderly of the Philippines
Private and Public Health Insurance in the UK
Tax Policy Toward Health Insurance and the Demand for Medical Services
Health Insurance and Health Care Demand Among the Self-Employed
National Health Insurance Reform in South Africa
Mandating Health Insurance Coverage for High-Income Individuals
Union Threat Effects and the Decline in Employer-Provided Health Insurance
Personal Accident and Health Insurance in Brazil
Finding Low-Cost Health Insurance in New York
Medical Progress and Supplementary Private Health Insurance
Family Health Insurance Assistance Programs
Health Insurance and Demography: The Russian Case
A Health Insurance Plans vs. Healthcare Sharing
Universal Health Insurance System in Ireland
Are Health Insurance Markets Competitive?
Can Health Insurance Competition Work?
Did State Children’s Health Insurance Program Affect Married Women’s Labor Supply?
Are Mental Health Insurance Mandates Effective?
Can Health Insurance Reduce Household Vulnerability?
Does Chronic Illness Affect the Adequacy of Health Insurance Coverage?
Are Publicly Financed Health Insurance Schemes Working in India?
Can National Health Insurance Programs Improve Health Outcomes?
Does Employment-Based Private Health Insurance Increase the Use of Covered Health Care Services?
Can the Affordable Care Act Provisions Explain the Recent Wave of Acquisitions in the Health Insurance Industry?
Should Employers Provide Health Insurance?
Can the Health Insurance Reforms Stop an Increase in Medical Costs of Middle- and Old-Aged Persons in Japan?
Does Free Complementary Health Insurance Help the Poor Access Health Care?
How Does Disability Insurance Differ From Health Insurance?
Does Health Insurance Coverage Influence Household Financial Portfolios?
How Does Medicaid Expansion Affect Premiums in the Health Insurance Marketplaces?
Does Health Insurance Coverage Lead to Better Health and Educational Outcomes?
How Does Health Insurance Affect the Delivery of Health Care in Developing Countries?
Does Health Insurance Decrease Health Expenditure Risk in Developing Countries?
How Does Health Insurance Improve Financial Health?
Does Health Insurance Encourage Obesity?
How Much Does Access to Health Insurance Influence the Timing of Retirement?
Does Health Insurance Encourage the Rise in Medical Prices?
How Well Does the U.S. Government Provide Health Insurance?
Does Health Insurance Provision Improve Self-Employment and Entrepreneurship?
Should Sick People Pay More for Health Insurance?
Does Health Insurance Reduce Child Labor and Education Gaps?
Should the U.S. Government Require All Americans to Have Health Insurance?
Does National Health Insurance Improve Children’s Health?
Why Did Employee Health Insurance Contributions Rise?

Cite this post

Chicago (N-B)
Chicago (A-D)

StudyCorgi. (2021, December 21). 121 Health Insurance Essay Topics. https://studycorgi.com/ideas/health-insurance-essay-topics/

"121 Health Insurance Essay Topics." StudyCorgi , 21 Dec. 2021, studycorgi.com/ideas/health-insurance-essay-topics/.

StudyCorgi . (2021) '121 Health Insurance Essay Topics'. 21 December.

1. StudyCorgi . "121 Health Insurance Essay Topics." December 21, 2021. https://studycorgi.com/ideas/health-insurance-essay-topics/.

Bibliography

StudyCorgi . "121 Health Insurance Essay Topics." December 21, 2021. https://studycorgi.com/ideas/health-insurance-essay-topics/.

StudyCorgi . 2021. "121 Health Insurance Essay Topics." December 21, 2021. https://studycorgi.com/ideas/health-insurance-essay-topics/.

These essay examples and topics on Health Insurance were carefully selected by the StudyCorgi editorial team. They meet our highest standards in terms of grammar, punctuation, style, and fact accuracy. Please ensure you properly reference the materials if you’re using them to write your assignment.

This essay topic collection was updated on December 27, 2023 .

7982774960/ 9693730114
infobankwhizz@gmail.com
Descriptive
Buy Courses
Essay Topics
Model Essays
Login/Signup

Descriptive English मतलब Bank Whizz

30 important and probable essay writing topics for the NIACL AO 2023 exam

Are you gearing up for the NIACL AO 2023 exam and feeling overwhelmed by the essay writing section? Don’t worry; we’ve got you covered! In this post, we’ve compiled a list of 41 crucial essay writing topics that are likely to be asked in your NIACL AO exam. These topics cover a wide range of subjects and will help you enhance your writing skills while preparing for the examination.

Role of insurance in financial security
Importance of health and life insurance
Pros and cons of online insurance
Cashless insurance: The way forward
Role of technology in insurance sector
Impact of climate change on insurance industry
Challenges faced by the insurance sector in India
Need for financial literacy in India
Importance of risk management
Role of insurance in reducing poverty
Insurance as a tool for social security
Pandemics and Insurance: Lessons from COVID-19.
Cyber Insurance: Navigating the Digital Risk Landscape.
Role of Artificial Intelligence in Risk Assessment in Insurance.
Cybersecurity Challenges in the Insurance Sector.
Health Insurance: Universal Coverage vs. Private Market.
Insurance Fraud: Causes, Consequences, and Prevention.
The Future of Insurtech: Trends and Innovations.
Sustainable Insurance Practices for a Greener Future.
Digital Transformation in the Insurance Sector.
Insurance for Disaster Risk Reduction and Management.
Insurance and Financial Inclusion: Reaching the Unbanked .
Ethical Considerations in Insurance Sales and Marketing.
Role of Regulators in Ensuring Insurance Market Stability.
Microinsurance: Bridging the Protection Gap for the Poor.
Health Insurance and the Aging Population.
Climate-Related Insurance Products and Climate Adaptation.
Insurance in the Gig Economy: Challenges and Solutions.
Reinsurance and its Role in the Insurance Industry.
Environmental, Social, and Governance (ESG) Factors in Insurance.
Insurance and Economic Development: Interplay and Impact.
Insurance for Small and Medium Enterprises (SMEs).
Gender Equality in Insurance: Closing the Coverage Gap.
Behavioral Economics and its Application in Insurance.
Risk Management in Personal Finance and Insurance Planning.
Challenges and Opportunities in Agricultural Insurance.
Insurance and Globalization: A Double-Edged Sword.
Insurance in the Post-Pandemic World: Resilience and Recovery.
Insurance Regulatory Changes: Implications for the Industry.

These essay topics encompass a broad spectrum of issues relevant to the insurance sector, technology, ethics, and societal challenges. Preparing for essays on these subjects will not only help in fetching better marks in the descriptive English section of the exam but also boost your chances in the NIACL AO 2023 exam. Also, it will deepen your understanding of the industry’s dynamics and its role in the wider world. Good luck with your exam preparation!

Essay On Importance Of Insurance

In the intricate tapestry of modern society, insurance emerges as a foundational thread that weaves together protection, stability, and progress. By offering a shield against unforeseen financial losses, insurance empowers individuals and businesses to navigate a world fraught with uncertainties. This essay underscores the significance of insurance in contemporary life, elucidating its role in providing financial protection, enabling risk-taking, fostering stability, and contributing to societal advancement.

Table of Contents

Essay: The Crucial Role of Insurance in Safeguarding Individuals and Fostering Economic Growth

Insurance plays a vital role in modern society by protecting individuals and businesses from financial losses, allowing for greater risk-taking and economic development.

Paragraph 1: Insurance provides financial protection

One of the primary virtues of insurance is its ability to extend a safety net against an array of hazards. These hazards, ranging from accidents and illnesses to property damage and unfortunate deaths, carry the potential to plunge individuals and families into overwhelming financial distress. Insurance stands as a formidable bulwark against such adversities, offering a safeguard that ensures individuals do not find themselves mired in insurmountable debt or financial ruin. By distributing the costs of potential losses across a multitude of policyholders, insurance effectively diffuses the burden, thereby preventing the catastrophic impact of individual financial calamities.

Paragraph 2: Allows individuals and businesses to take more risks

The absence of insurance could cast a pall of apprehension over significant life decisions. Ventures like starting a business, embarking on extensive travels, or investing in a home may be approached with trepidation due to the looming specter of financial catastrophe in the face of unforeseen losses. Insurance, however, catalyzes a transformative shift in this narrative. With insurance coverage in place, individuals and businesses can undertake these pivotal risks with greater confidence. This newfound security empowers economic and entrepreneurial pursuits, as the protective buffer against potential losses emboldens innovation, fosters business expansion, and fuels economic growth.

Paragraph 3: Provides stability and security

The tendrils of insurance’s influence extend beyond the mere realm of finances. In the event of life-altering setbacks such as the loss of a loved one or the ravages of natural disasters, insurance plays a profound role in upholding stability and security. Insurance payouts, be it life insurance or property insurance, stand as beacons of hope amidst the darkness of loss. They offer a lifeline that ensures financial security, mitigating the burden of potential upheaval. By freeing individuals from the clutches of financial hardship that often accompany unforeseen calamities, insurance empowers them to direct their energies towards constructive pursuits like work, development, and rebuilding.

Paragraph 4: Benefits society as a whole

The impact of insurance radiates through the societal fabric, rippling outwards to engender benefits that transcend individual and business boundaries. As individuals and businesses are shielded from the dire consequences of losses, their reliance on public welfare systems diminishes. This reduction in demands on public resources ensures a more efficient allocation of government funds and resources, ultimately contributing to the overall well-being of society. Additionally, insurance’s role in bolstering risk-taking and investment cannot be understated. By offering a protective umbrella against potential failures, insurance fosters an environment conducive to innovation, business expansion, and investment. The insurance industry itself is a robust source of employment, playing an indispensable role in the economy and propelling economic growth.

In a world where uncertainties cast their shadows across every facet of life, insurance stands as a beacon of security, prosperity, and progress. By providing a shield against financial losses, insurance not only enables individuals and businesses to take calculated risks but also contributes to the stability and growth of societies at large. Its role in alleviating fears of potential financial ruin and its capacity to stimulate economic dynamism make insurance a cornerstone of modern society. As individuals and businesses are empowered to stride forward with confidence, unburdened by the specter of unforeseen losses, the collective trajectory of progress is illuminated, forging a path towards a more secure, stable, and prosperous future for all.

Write Four Importance of Insurance – Safeguarding You and Your Future

Insurance might seem like a simple thing, but it’s actually super important. Here are four reasons why:

1. Protection from Unexpected Problems:

Life is full of surprises, and not all of them are good. Insurance is like a shield that protects you from getting hurt financially when bad things happen. It covers stuff like accidents, illnesses, and even damage to your things, like your car or house. So, if something goes wrong, you won’t have to pay all the money to fix it.

2. Feeling Secure and Stress-free:

Imagine if you had to worry all the time about what could go wrong. Insurance takes away that worry. It gives you a safety net, so if something bad does happen, you won’t have to panic about money. This lets you focus on the things that matter, like your family, your studies, and your dreams.

3. Helping You Take Risks:

Sometimes, you need to take risks to move forward in life. Insurance gives you the courage to take those risks. For example, if you want to start a business, insurance can cover you if things don’t go as planned. This way, you’re more likely to chase your dreams without being scared of failing.

4. Building a Better Future:

When many people have insurance, it creates a big pool of money that can be used to help anyone who needs it. This is super useful when something really big, like a natural disaster, happens. Insurance helps communities rebuild and get back on their feet faster. Plus, having insurance makes you part of a system that takes care of people and helps the economy grow.

So, even though insurance might seem like just another thing you have to pay for, it’s actually a super smart move. It’s like having a superhero cape that keeps you safe from money troubles and lets you take on life’s adventures without fear.

What Is Importance Of Insurance to Society

The Big Deal About Insurance for Everyone

Imagine if you had a magic shield that could protect you from money troubles when something bad happens. That’s what insurance is like for the whole society. Here’s why it’s a big deal:

1. Safety Net for Tough Times:

Insurance is like a safety net that catches you if you fall into a tough situation. When things like accidents, illnesses, or disasters strike, insurance helps to pay for the damages. This means people don’t have to lose all their money or belongings when something unexpected happens.

2. Helping Everyone Stay Cool:

Without insurance, people would always be worried about what could go wrong. But with insurance, everyone feels safer. You don’t have to stress out about money problems all the time. This lets everyone focus on their families, work, and living their lives.

3. Making Brave Choices:

Life is about taking chances, but some risks can be scary. Insurance gives people the courage to take these risks. For example, starting a business or trying something new. If things don’t go as planned, insurance can help with the costs. So, everyone can try exciting things without being too afraid of failing.

4. Rebuilding Together

When something really big, like a big storm, hits a community, it can be hard to recover. But insurance makes this easier. When many people have insurance, there’s a lot of money to help rebuild homes, businesses, and communities. This way, everyone can get back on their feet faster.

5. Growing a Strong Society:

Insurance is like teamwork for the whole society. When everyone chips in, there’s a pool of money that can be used to help anyone who needs it. This helps the economy grow and makes sure that everyone is taken care of when they need it most.

So, insurance isn’t just something for rich people or big companies. It’s a way for everyone to work together and protect each other. It’s like having a giant umbrella that keeps us dry when it rains unexpected troubles.

Essay On Importance of Life Insurance

Introduction.

Life insurance is a fundamental financial tool that provides security and stability for individuals and their families. This essay examines the significance of life insurance, exploring its benefits, the peace of mind it offers, the various types available, its role in estate planning, its contribution to long-term savings, and the factors that impact premium costs.

Benefits of Life Insurance

Life insurance serves as a safety net, ensuring that loved ones are financially protected in case of the policyholder’s demise. It guarantees that beneficiaries receive a lump sum payout, which can cover immediate expenses, replace lost income, and uphold the family’s quality of life. Families with young children find life insurance particularly valuable as it can provide for education and future needs, easing the financial burden during challenging times. Moreover, life insurance shields individuals from the strain of financial obligations, including mortgages and loans, ensuring that the family does not inherit these burdens.

Emotional Comfort

Life insurance brings more than just money – it brings peace of mind. When people have life insurance, they feel better knowing that their family will have financial help if something happens to them. This makes them less worried about what might happen in the future. Feeling less worried helps them live their current lives fully, without always thinking about what would happen to their family if they weren’t there anymore.

Different Kinds of Life Insurance

Life insurance comes in different flavors to match different needs. Some are like short-term helpers – they cover you for a certain time. Others, like lifelong guardians, protect you forever and also gather extra money over the years. There’s another type, too, called universal life insurance. This one mixes coverage with a way to save money, letting you build up a little fund. With all these choices, people can pick the one that fits their money goals and situation the best.

Role in Estate Planning

Life insurance plays a pivotal role in estate planning by ensuring a seamless transfer of wealth to beneficiaries. This proactive approach minimizes potential conflicts and legal complexities that can arise during inheritance. Additionally, life insurance payouts are generally exempt from inheritance taxes, making it an efficient strategy for passing on assets to the next generation with reduced tax implications.

Growing Your Money for the Future

Life insurance isn’t just about keeping you safe – it also helps you save and invest for a long time. With whole life and universal life policies, your money grows over the years. You can take out or borrow some of this money if you need it. This extra money can be a helpful backup during your retirement or unexpected situations, giving you more financial security on top of the money your loved ones get when you’re no longer here.

Factors Affecting Premiums

The cost of life insurance premiums is influenced by various factors. These include the policyholder’s age, health status, and lifestyle choices. Generally, younger and healthier individuals qualify for lower premiums. The coverage amount and the chosen policy type also impact costs. It is crucial for individuals to consider these factors while selecting a policy that suits their needs and financial capacity.

In conclusion, life insurance is an indispensable element of a comprehensive financial strategy. Its benefits encompass financial security for family members, coverage of debts, and peace of mind for policyholders. With a variety of policy types available, life insurance contributes to estate planning and long-term financial well-being. By understanding the factors that influence premium costs and making informed decisions, individuals can secure their family’s future and embrace life with enhanced confidence.

What Are The 5 Importnace Of Life Insurance – Exploring Its Role & Value

Life insurance might seem like a grown-up thing, but it’s actually important for everyone to know about. Here are five reasons why life insurance is a big deal:

1. Taking Care of Loved Ones:

Life insurance is like a promise you make to take care of your family even when you’re not around. If something happens to you, the insurance money can help your family with things like bills, school, and even just everyday needs. It’s a way to show that you’ll always look out for them.

2. Planning for the Unknown:

Life can be unpredictable. No one knows what tomorrow might bring. Life insurance helps you plan for the unknown. If something unexpected happens to you, your loved ones won’t have to struggle financially. It’s like having a safety net that catches you if you fall.

3. Covering Big Expenses:

Funerals and medical bills can be really expensive. Life insurance can help cover these big costs so that your family doesn’t have to worry about finding a lot of money quickly. It’s a way to ease their burden during a difficult time.

4. Passing On a Meaningful Gift:

Life insurance goes beyond finances; it’s a way to leave behind a meaningful legacy for your dear ones. By designating beneficiaries, you ensure that the insurance payout becomes a gift that keeps on giving. This support can empower your family to pursue their aspirations, educational goals, and future endeavors.

5. Peace of Mind:

Knowing that you have life insurance brings peace of mind. It’s like having a backup plan that ensures your family will be okay no matter what. This sense of security allows you to focus on living your life to the fullest without constantly worrying about the future.

In a nutshell, life insurance is a way to show that you care for your family even when you’re not there. It’s a tool that offers financial support, security, and a way to leave a positive impact on your loved ones. So, even though it might seem like something for adults, understanding the importance of life insurance is a wise step for everyone.

Argumentative Essay About Life Insurance

Life insurance, a contract between an individual and an insurance company, is a topic of paramount importance in personal finance discussions. It’s a widely debated issue with proponents asserting its crucial role in financial security, while skeptics question its necessity. This essay will argue that life insurance, despite its potential drawbacks, plays an indispensable role in securing one’s financial future.

The Positive Aspects of Life Insurance

Life insurance serves as a safety net, offering financial protection to beneficiaries during an emotionally challenging time. It replaces income, allowing families to maintain their standard of living even in the face of tragic life events. Furthermore, it can assist in mitigating debts and financial obligations, preventing families from inheriting burdensome liabilities. For estate planning, life insurance can minimize tax liabilities, preserving the value of the estate for the beneficiaries. Additionally, for entrepreneurs, a life insurance policy can ensure business continuity, covering losses and facilitating a seamless transition in the event of the owner’s demise.

Debate against life insurance

However, critics argue that life insurance isn’t always necessary, particularly for individuals without dependents. They contend that the premiums could be better invested elsewhere, yielding higher returns over time. Additionally, they point out that insurance companies often incorporate exclusions and complex terms, potentially resulting in denied claims. Critics thus advocate for careful consideration, only opting for life insurance when circumstances truly demand it.

Counterarguments and Challenges

However, it’s important to acknowledge the counterarguments. Critics argue that the cost of premiums may not justify the perceived benefits, especially for those with no dependents. The decision-making process can also be complex, with individuals grappling to choose the ideal policy that suits their needs. Furthermore, not everyone may need life insurance, particularly those with sufficient wealth or those without financial dependents.

Balancing the Scales

Despite these challenges, by assessing their unique circumstances, individuals can determine the necessity and extent of life insurance required. Consulting with financial advisors and incorporating life insurance into broader financial planning can lead to responsible decision-making.

In conclusion, while life insurance may not be a one-size-fits-all solution, it does serve as a crucial tool in securing the financial future of loved ones. It is a cornerstone of responsible financial planning and should be considered seriously depending on individual circumstances.

Hello! Welcome to my Blog StudyParagraphs.co. My name is Angelina. I am a college professor. I love reading writing for kids students. This blog is full with valuable knowledge for all class students. Thank you for reading my articles.

Crop Insurance – An In-Depth Essay Exploration

📕 Studying HQ

120+ healthcare argumentative essay topics [+outline], dr. wilson mn.

August 3, 2022
Essay Topics and Ideas , Samples

If you’re a nursing student, then you know how important it is to choose Great Healthcare argumentative essay topics.

After all, your essay will be graded on both the content of your argument and how well you defend it. That’s why it’s so important to choose topics that you’re passionate about and that you can research thoroughly.

What You'll Learn

Strong Healthcare argumentative essay topics

To help you get started, here are some strong Healthcare argumentative essay topics to consider:

Is there a nurse shortage in the United States? If so, what are the causes, and what can be done to mitigate it?
What are the benefits and drawbacks of various types of Nurse staffing models?
What are the implications of the current opioid epidemic on nurses and patients?
Are there any ethical considerations that should be taken into account when providing care to terminally ill patients?
What are the most effective ways to prevent or treat healthcare-acquired infections?
Should nurses be allowed to prescribe medication? If so, under what circumstances?
How can nurses best advocate for their patients’ rights?
What is the role of nurses in disaster relief efforts?
The high cost of healthcare in the United States.
The debate over whether or not healthcare is a human right.
The role of the government in providing healthcare.
The pros and cons of the Affordable Care Act.
The impact of healthcare on the economy.
The problem of access to healthcare in rural areas.
The debate over single-payer healthcare in the United States.
The pros and cons of private health insurance.
The rising cost of prescription drugs in the United States.
The use of medical marijuana in the United States.
The debates over end-of-life care and assisted suicide in the United States.

As you continue, thestudycorp.com has the top and most qualified writers to help with any of your assignments. All you need to do is place an order with us.

Controversial Healthcare topics

There is no shortage of controversial healthcare topics to write about. From the high cost of insurance to the debate over medical marijuana, there are plenty of issues to spark an interesting and thought-provoking argumentative essay.

Here are some Controversial healthcare argumentative essay topics to get you started:

1. Is healthcare a right or a privilege?

2. Should the government do more to regulate the healthcare industry?

3. What is the best way to provide quality healthcare for all?

4. Should medical marijuana be legalized?

5. How can we control the rising cost of healthcare?

6. Should cloning be used for medical research?

7. Is it ethical to use stem cells from embryos?

8. How can we improve access to quality healthcare?

9. What are the implications of the Affordable Care Act?

10. What role should pharmaceutical companies play in healthcare?

11. The problems with the current healthcare system in the United States.

12. The need for reform of the healthcare system in the United States.

Great healthcare argumentative essay topics

Healthcare is a controversial and complex issue, and there are many different angles that you can take when writing an argumentative essay on the topic. Here are some great healthcare argumentative essay topics to get you started:

1. Should the government provide free or low-cost healthcare to all citizens?

2. Is private healthcare better than public healthcare?

3. Should there be more regulation of the healthcare industry?

4. Are medical costs too high in the United States?

5. Should all Americans be required to have health insurance?

6. How can the rising cost of healthcare be controlled?

7. What is the best way to provide healthcare to aging Americans?

8. What role should the government play in controlling the cost of prescription drugs?

9. What impact will the Affordable Care Act have on the healthcare system in the United States?

Hot healthcare argumentative essay topics

Healthcare is always a hot-button issue. Whether it’s the Affordable Care Act, single-payer healthcare, or something else entirely, there’s always plenty to debate when it comes to healthcare. Here are some great healthcare argumentative essay topics to help get you started.

1. Is the Affordable Care Act working?

2. Should the government do more to provide healthcare for its citizens?

3. Should there be a single-payer healthcare system in the United States?

4. What are the pros and cons of the Affordable Care Act?

5. What impact has the Affordable Care Act had on healthcare costs in the United States?

6. Is the Affordable Care Act sustainable in the long run?

7. What challenges does the Affordable Care Act face?

8. What are the potential solutions to the problems with the Affordable Care Act?

9. Is single-payer healthcare a good idea?

10. What are the pros and cons of single-payer healthcare?

Argumentative topics related to healthcare

Healthcare is always an ever-evolving issue. It’s one of those topics that everyone has an opinion on and is always eager to discuss . That’s why it makes for such a great topic for an argumentative essay . If you’re looking for some fresh ideas, here are some great healthcare argumentative essay topics to get you started.

1. Is our healthcare system in need of a complete overhaul?

3. Are rising healthcare costs making it difficult for people to access care?

4. Is our current healthcare system sustainable in the long term?

5. Should we be doing more to prevent disease and promote wellness?

6. What role should the private sector play in providing healthcare?

7. What can be done to reduce the number of errors in our healthcare system?

8. How can we make sure that everyone has access to quality healthcare?

9. What can be done to improve communication and collaboration between different parts of the healthcare system?

10. How can we make sure that everyone has access to the care they need when they need it?

Argumentative essay topics about health

There are many different stakeholders in the healthcare debate, and each one has their own interests and perspectives. Here are some great healthcare argumentative essay topics to get you started:

1. Who should pay for healthcare?

2. Is healthcare a right or a privilege?

3. What is the role of the government in healthcare?

4. Should there be limits on what treatments insurance companies must cover?

5. How can we improve access to healthcare?

6. What are the most effective methods of preventing disease?

7. How can we improve the quality of care in our hospitals?

8. What are the best ways to control costs in the healthcare system?

9. How can we ensure that everyone has access to basic care?

10. What are the ethical implications of rationing healthcare?

Medical argumentative essay topics

Is healthcare a fundamental human right?

2. Should there be limits on medical research using human subjects?

3. Should marijuana be legalized for medicinal purposes?

4. Should the government do more to regulate the use of prescription drugs?

5. Is alternative medicine effective?

6. Are there benefits to using placebos in medical treatment?

7. Should cosmetic surgery be covered by health insurance?

8. Is it ethical to buy organs on the black market?

9. Are there risks associated with taking herbal supplements?

10. Is it morally wrong to end a pregnancy?

11. Should physician-assisted suicide be legal?

12. Is it ethical to test new medical treatments on animals?

13. Should people with terminal illnesses have the right to end their lives?

14. Is it morally wrong to sell organs for transplantation?

15. Are there benefits to using stem cells from embryos in medical research?

16. Is it ethical to use human beings in medical experiments?

17. Should the government do more to fund medical research into cancer treatments?

18. Are there risks associated with genetic engineering of humans?

19. Is it ethical to clones humans for the purpose

Argumentative essays on mental illness

Should there be more focus on mental health in schools?
Are our current treatments for mental illness effective?
Are mental health disorders more common now than they were in the past?
How does social media impact mental health?
How does trauma impact mental health?
What are the most effective treatments for PTSD?
Is therapy an effective treatment for mental illness?
What causes mental illness?
How can we destigmatize mental illness?
How can we better support those with mental illness?
Should insurance companies cover mental health treatments?
What are the most effective treatments for depression?
Should medication be used to treat mental illness?
What are the most effective treatments for anxiety disorders?
What are the most effective treatments for OCD?
What are the most effective treatments for eating disorders?
What are the most effective treatments for bipolar disorder?
How can we better support caregivers of those with mental illness?
What role does stigma play in mental illness?

120+ healthcare argumentative essay topics [+outline] 1

Start by filling this short order form order.studyinghq.com

And then follow the progressive flow.

Having an issue, chat with us here

Cathy, CS.

New Concept ? Let a subject expert write your paper for You

Term-Long Project Nursing Paper Example
Case Study on Moral Status
Applying the Concepts of Epidemiology and Nursing Research on Measles Nursing Paper Essay
A Comprehensive Guide to Writing a Nursing Research Paper
50 Potential Research Summary Topics
Free Essays
Citation Generator
Topic Generator
Paraphrasing Tool
Conclusion Maker
Research Title Generator
Thesis Statement Generator
Summarizing Tool
How to Guides
Essay Topics and Ideas
Manage Orders
Business StudyingHq
Writing Service
Discounts / Offers

Study Hub:

Studying Blog
Topic Ideas
Business Studying
Nursing Studying
Literature and English Studying

Writing Tools

Terms and Conditions
Privacy Policy
Confidentiality Policy
Cookies Policy
Refund and Revision Policy

Our samples and other types of content are meant for research and reference purposes only. We are strongly against plagiarism and academic dishonesty.

📧 [email protected]

📞 +15512677917

Insurance Law: Selecting a Topic & Writing Resources

Selecting a Topic & Writing Resources
Business/Commercial
Environmental
Estate/Life
Health/Disability
International
Miscellaneous
Professional Liability
Property/Construction
Reinsurance & Insurance Companies
Transportation
Other States
Finding Aids & Research Guides

Insurance Organizations & Websites

CIPR Key Issues List List of hot topics compiled by the National Association of Insurance Commissioners. Links to a short summary of the topic and research reports and related links.
NAIC Studies and Special Reports National Association of Insurance Commissioners white papers, research reports and articles on a variety of insurance issue.
Insurance Information Institutes Issues Updates Background and recent developments on a multitude of insurance issues. Insurance Daily Report is also available on WestlawNext.
Risk & Insurance Management Society See Resources tab for publications, standards and other information.
IRMI Insights Much of the IRMI site requires a subscription but the issue updates on the "insights" link are free
IRMI Expert Commentary Library of articles on a variety of insurance topics written by practitioners.
National Conference of Insurance Legislators (NCOIL) Organization comprised of and working to support state legislators. Develops policy to avoid preemption of state insurance regulation by federal legislation. Link is to the NCOIL newsletter archive

Newsletters

Lexis Advance also offers numerous Mealey's Litigation Reporters dedicated to insurance issues. Browse by topic and review the secondary sources links to locate these titles.

Coverage Opinions Bi-weekly electronic insurance coverage newsletter that reports and provides commentary/analysis on new judicial opinions that address numerous issues under commercial general liability and professional liability insurance policies. View the current issue and archived issues going back to the newsletter's start in October 2012. Subscriptions and access to archives is free. Edited by Randy Maniloff of White and Williams, LLP who contributes to Mealey's Insurance law report.
California Insurance Law & Regulation Reporter (Westlaw) Monthly newsletter that offers case analysis, insurance department bulletins and other materials. 1996 - present.
Insurance Litigation Reporter (Westlaw) Reports on important insurance cases from 1998 to present
Journal of Insurance Fraud in America Published quarterly by the Coalition Against Insurance Fraud.
Law360-Insurance Accessible from networked computers on campus. Also accessible via Lexis Advance under "Law360 Legal News"
Westlaw Journal Insurance Coverage Weekly newsletter covering insurance litigation, legislative developments and industry news. 1996 - present.
Westlaw Journal Insurance Bad Faith Covers court rulings and appeals on coverage disputes, claims handling, settlement acceptance and other topics involving alleged bad faith on the part of insurers and policyholders. 2005 - present.
Catastrophic Loss: Mealey's Litigation Report (Lexis Advance) Browse current issue or search by keyword
Emerging Insurance Disputes: Mealey's Litigation Report (Lexis Advance) Browse current issue or search by keyword
Insurance Coverage Law Bulletin (Lexis Advance) ALM publication. Browse most recent articles, search by keyword or limit by jurisdiction and topic.
Insurance Fraud: Mealey's Litigation Report (Lexis Advance) Browse most recent articles, search by keyword or limit by jurisdiction, topic, or date.

Setting Up Alerts

1. For a specific publication (such as Insurance Daily Briefing, Insurance Bad Faith newsletter etc):

Click on "Alerts" link in upper left
Click on "Create Alert" then on "Publication Alert" link
Complete form naming your alert, selecting the publication that you wish, entering the email address where you want to receive the alert and other information.

2. For a specific search query: (ex. run search in "Insurance Law Reviews & Journals" for: drones & regulat!

Run search and then click on bell symbol on right side of page to "Create Westclip Alert"
Complete form, entering search terms, specifying publications to search and set up delivery preferences

Lexis Advance

1. For a specific publication (such as Emerging Insurance Disputes, Insurance Coverage law newsletter etc.)

Browse --> Sources --> Search for a search or search by category/practice area
Click on publication name and select "create a publication alert" link
Set up how long wish to receive them, how often and add email address for delivery
Can also share alert with others

2. For a specific search query (ex. select Insurance Law as practice area then run search for "drones" & liability"

Select source category, jurisdiction, practice area etc
Run search and further filter as desired
Click on bell symbol to right of "results for" heading at the top of the page
Add email address and delivery preferences

Bloomberg BNA

Set up alerts to run for a specific search query (notification of new issues of publications is not available for Bloomberg).

Run search in news, BNA Reports or other databases
Look for "create search alert" link at bottom of Search Criteria box
Select frequency of delivery and add your email address
Alerts will be emailed and also saved to Bloomberg home screen under "Saved Searches & Alerts" tab

Research Management Systems

Citation management software allows you to track your sources as you use them rather than waiting until the end of a project to retype a separate bibliography or Table of Authorities. This software also auto formats your citations in Bluebook format. (You still need to REVIEW and EDIT the citations.It's not perfect but it can save time.) For more information, check out this guide:

Research Management LibGuide

Westlaw Practitioner Insights for Insurance

Landing page for Insurance Law on Westlaw. Accssible from the "Practice Areas" tab.

Features include:

Insurance News from Reuters
Insurance Analysis (articles taken from the WestlawNext Insurance Daily Briefing newsletter
Featured Legal Filings section with links to complaints and other document filed in recent insurance cases
Trending Companies List
Tools & Resources box (links to other insurance news, dockets, regulatory guidance documents, Insurance Market Conduct Reports etc.)
Browse Insurance Law
Links to statutes, cases, regs, briefs, court filings and other primary documents
Also links to secondary materials including law reviews & forms
Coverage Opinions Produced by the Insurance Law Coverage Opinion practice of Shapiro & Associates law firm. Sample opinions assessing insurance coverage in particular situations.
Terms & Conditions Insurance Industry Blog Published by Insurance Information Institute. Archive is divided by date and topic for easy searching.
Specialty Insurance Blog Focus on risk management and venture capital issues with an emphasis on entrepreneurship and professional liability.
Point of Law (Insurance Category) Published by Center for Legal Policy at the Manhattan Institute. Reviews new case law, legislation, and insurance law publications.

Law Reviews

Tort Trial & Insurance Practice Law Journal (Westlaw) ABA. 2003 - present
Brief (Westlaw) ABA coverage of insurance issues. 1982 - present.
Connecticut Insurance Law Journal (Westlaw) 1995 - present
Fidelity Law Journal (Westlaw) 2003 - present

Books on Writing

User's Guide to the Bluebook (20th edition) by Alan L. Dworsky Call Number: Hornbook Reserve: KF245 .D853 2015 ISBN: 0837740177 Publication Date: 2015

Below are a few books on writing. For additional suggestions, consult with a Reference Librarian or check the library catalog .

Writing Ethics and Other Writing Resources

Villanova Law Academic Code of Conduct

Writing Resources from Villanova Law's Writing Specialist

Lexis for Microsoft Office

Lexis for Microsoft Office allows you to easily access Lexis from within Microsoft Word. Features include tools for cite checking, citation formating, and creation of Table of Authorities. To use Lexis for Microsoft Office you must DOWNLOAD the latest version of the software. Logon to Lexis Advance and click PRon Apps & Tools tab for the download link under "Law Practice Resources."

Short Videos on Lexis for Microsoft Office Overview and exploration of specific features of the Lexis for Microsoft Office product
Tips & Guides
<< Previous: Overview
Next: General >>
Last Updated: Jun 30, 2021 9:18 AM
URL: https://libguides.law.villanova.edu/insurancelaw

What can we help you find?

Talking trends: insurance hot topics under the spotlight.

February 8, 2022

For a recent Talking Trends webinar, we invited a panel of Willis Towers Watson experts to discuss some of the hot topics that North American property & casualty (P&C) insurers will face in the next few years.

Alongside the regular challenges of running a business, dealing with catastrophes and serving customers, the insurance industry has had a number of unique challenges in 2020 and 2021. These have included working remotely, planning return(s) to work, regulatory challenges, the effects of social inflation on claims, and the unanticipated changes in loss and premium patterns.

So, what do these macro socioeconomic and industry trends mean for how insurers better engage existing and new customers, become more effective in how they make and implement decisions, and ultimately unlock new sources of revenue and profitability? That was the starting point for questions posed to our panel by Americas P&C Sales and Practice Leader Katey Walker.

Charlie Carwin — Americas Product Leader, Capital Modeling and ERM (Enterprise Risk Management)
Scott Gibson — Director, focusing on Business Process Excellence
Yi Jing — Director, focusing on reserving and M&A
Michael McPhail — Director, PPCU (Product, Pricing, Claims and Underwriting)

Impact for core functional areas

Katey Walker: Efficiency and effectiveness have been big topics for insurers in 2021. Given that our expectation is that the focus on these areas will continue, what impacts do you foresee for core functional areas?

Charlie Carwin: If you look at the past trend in capital modeling, everyone got excited with all the possibilities and what they could do with models. To take the analogy of a car, companies started building their own engines, adding their own transmission and own braking systems, and perhaps deciding if they wanted air conditioning or not.

The end result was large and expensive to maintain models that were producing value — but not necessarily in line with the costs associated with them.

So, a key trend is simplification: how insurers are approaching quantification and the modeling of risk. Companies are more and more interested in off-the-shelf models, the buy-versus-build-type situation. To go back to the car analogy, they're not interested in building their car; they're more interested in driving it and extracting value that way.

Associated with that is simplification on the IT side. “The great resignation” has been an influential factor in companies’ interest in cloud solutions or other solutions that are more scalable and that allow them to reduce the reliance on owned hardware and IT teams.

Michael McPhail: Picking up on what Charlie said about off-the-shelf solutions, that’s true across the entire insurance process.

Whether it’s a policy or claims administration system, many carriers recognize the benefits of simplifying their processes. A big issue often is that they have all these old legacy systems. Trying to move completely off the legacy system can be hard. Starting afresh is a big challenge but might be justified by the benefits in some cases; however, the use of application programming interfaces (APIs) in off-the-shelf software is making the task of connecting legacy and new systems much more straightforward.

Katey Walker: Beyond simplification, the other big word we hear in tackling efficiency is automation. How is that changing the landscape?

Scott Gibson: I’d describe it as not so much changing the landscape but enabling it. So, if we go back to Charlie’s car analogy, for example, we need some sort of road — a layer that’s going to provide the ability to use the insights of a model in multiple ways.

That’s where automation comes in, particularly in light of the proliferation of different tools and data sources and the push from regulators for transparency in understanding how information is being used to affect the customer.

Automation can play a key role because, when you think of compliance risk, for example, it's not a value-added operation. But it needs to be done, and it needs to be done accurately and to a deadline. Automation is a great opportunity to streamline and provide efficiencies.

In addition, the bots can do the repetitive tasks so that users can focus on extracting the value out of those processes. And that takes us back to simplification, where instead of having long-drawn-out, complex and highly manual processes, automation cleans up the edges so that carriers can focus on the sources of added business value.

Ways of working

Katey Walker: Let’s extend these concepts of simplification and automation. How do these change what actuaries and we, as consultants, spend our time doing?

Yi Jing: From a reserving standpoint, there are more uncertainties than ever. I think companies are really looking for actuaries to provide insights about how to deal with these uncertainties and, more so, how to quantify them.

So, for example, for COVID-19, how do we measure the direct COVID-19 claims? How do we assess or reflect the indirect COVID-19 impact? And in October, we saw inflation hit a 30-year high, so how do we account for future inflation and our reserves if that's not in the historical data?

There is certainly a need to go beyond some traditional methodologies and explore new methods or tools to help address some of these challenges and questions both in the shorter and longer term.

Katey Walker: While we’re talking about insight and circling back to the idea of driving value, all of you have worked for insurers, so what are your perspectives on ways for insurers to capitalize on both?

Scott Gibson: One aspect was our project list kept growing and growing, and we could never knock enough things off of it to whittle it down. That's kind of how I moved into the business process excellence space. And I think that challenge is becoming even more dramatic because the pace of change is accelerating in the industry; the management questions are getting larger and larger, including now, for example, around climate risk.

The best part of my role now is I get to ask if a company could refine a process and smooth it over; if eight days became five days, what is the opportunity to create more value for the business?

Michael McPhail: Senior insurance executives want to know the answers to “why” questions. “Tell me why trends are happening this way. Tell me why there is adverse claims development,” and so on. These historically have been hard questions to answer.

You can do some wonderful analysis, but if you can't answer that question, it really doesn't matter. And this is where I think predictive analytics can be really useful because, oftentimes, when someone can't answer that question, they start scrambling and point to some sort of anecdotal evidence that becomes a story that may or may not be true.

With data science becoming more common, and senior executives understanding analytics better and better, they're looking for more robust answers. So, I think combining predictive analytics with communicating results clearly is a significant opportunity to add value.

Katey Walker: But can predictive analytics be overdone?

Michael McPhail: Yes, but don’t get me wrong, predictive analytics are a wonderful thing and companies benefit hugely from using them, in my opinion. The danger is becoming fixated on things being perfect — which takes way too long. I had a coworker who once told me that you can get a 95% solution at 20% of the time and cost of a perfect one, and I’ve remembered that. Models aren’t meant to be perfect; they’re meant to be useful.

Katey Walker: Pricing is always a hot topic, so could we turn for a moment specifically to the opportunities you see in this area. What are some of the key aspects for potential pricing improvements in your view?

Scott Gibson: I come at this from the perspective of how to optimize what is a big workflow for insurers.

With rate indications, for example, there tend to be discrete points in time when insurers are considering the indication information for a particular state and line of business. What would be helpful is to move to a more continuous flow of information, so that the data from underwriting, claims, reserving or wherever drives when those changes are required and which pieces of information are most important to the indication. It could also automatically bring in maybe new, relevant external and internal trend information to drive a faster and more efficient pricing process.

Michael McPhail: One area is just quickening decision making. A big part of that is looking for broad strokes rather than trying to be overly precise. If I think about a rate indication, there are a lot of components that an insurer could spend a whole lot of time on, such as picking loss trends. We can use automation to make that faster while maintaining accuracy.

Another opportunity is to be able to better incorporate information from the claims and underwriting teams on a real-time basis. If underwriters are continually making risk-based adjustments, let's say on schedule rating outside the filed rating algorithm, how can that information get back into the pricing process to potentially improve the pricing models? This is far from an isolated example, as insurers have tended to do the pricing process in silos with limited communication and sharing of information between teams.

And finally, one area that I think is more directly related to improving the actual pricing process itself is considering the impacts of pricing changes on a portfolio over many periods, rather than just the filing period. Companies often make short-term decisions based on annual profitability targets but don’t necessarily factor in that a rate increase will likely have an impact on customer behavior and could lead to premium leakage. Predictive analytics can definitely help improve portfolio management by thinking about how customer behavior is impacted over many periods.

Katey Walker: Any thoughts on how simplification, automation and analytics can enhance the reserving process?

Yi Jing: When companies are doing quarterly — or even monthly — reporting, actuarial departments can be very stretched and are faced with the long project lists that Scott mentioned earlier.

So, the opportunity, as we see it, is to better use people's time by potentially automating tasks such as selection of loss development factors. Actuaries can then spend more time doing deep-dive analysis to reveal some of the drivers of the results being seen. This might include implementing diagnostic tools to pick up trends, assess those trends and find anomalies.

Another area attracting investment in our experience is better management reporting, so that senior managers have a better understanding of what the numbers mean through the use of automated executive dashboards and suchlike.

Michael McPhail: I’d just add a comment on the overlaps in the use of predictive analytics in giving indicators for action on pricing and reserving. For example, we’ve started working with insurers to use machine learning to understand the drivers of prior year development that can be verified with claims teams for explanation to senior management.

Katey Walker: Related to management insight, visualization has been a buzzword in recent years. So where does that fit into the future role of sharing results?

Michael McPhail: No question, it’s huge. My opinion is that it should be simple to understand and see what’s trying to be communicated, e.g., the drivers of a result. If it takes five minutes to explain the visualization, that’s self-defeating.

Yi Jing: I’d echo that. The clearer you can make the information jump out of a graph related to, say, adverse development in various lines of business and frequency severity trends, the better it is.

The “T” word: Transformation

Katey Walker: A lot of what we’ve been talking about comes back to transformation. Each thing is changing what insurers do and how they do it. So where do companies start if they consider transformation as perhaps too great a challenge?

Scott Gibson: Absolutely. So in a lot of cases, the best bet is start small; look for easy wins or changes to a process. Automation is often a good solution because it doesn’t involve going back and fixing a process, not to mention it can build some momentum for further transformational activities. Later, it’s always possible to then go back and review the process itself.

Charlie Carwin: I feel there are pretty established best practices in capital modeling, but what is changing is that senior managers actually need to be able to see the results — and in a timely manner.

So when I think about visualization, for example, I think of it as just making sure that there's the marginal impact of capital from a material decision on every report. So it shouldn't be determining the decision; it shouldn't be this is what's making the decision by any means. But it should be available and should be impacted.

But for that to actually happen, you have to have capital models that are responsive. It can't take two days to run it, or you can't have a process where, for example, it takes three weeks to get an answer to a question such as: “What is the capital impact of changing the reinsurance program?”

And so, if I think about the components of transformation, one is the out-of-the-box model, as I mentioned before. Then you have automation, where some of the more manual processes are no longer necessary, where you can actually have the robots do that work and make everything much more efficient and get to the answers more quickly.

The what-if questions are always going to exist with, for example, questions about the impact of inflation and changing operational risk coming to the fore in the last couple of years. Where capital is really coming into play is that the models have to be ready to answer those questions, or at least quantify the marginal impact of capital. That's a big difference compared with even five years ago.

Katey Walker: So going back to the buy-versus-build discussion, where do you think we’re going from here?

Charlie Carwin: Historically, actuaries have liked to program; I like to program. But insurers can get a lot more value out of actually using the models than creating the models. This applies equally to larger companies that are looking for ways to reduce some of the risks, including key man risk; reduce maintenance costs; and have ready-made scalability. So, it's definitely driving buy versus build.

Michael McPhail: Away from the capital modeling side, similar arguments can be applied to open-source platforms, which have become quite popular in areas like pricing.

The problem is when someone leaves suddenly there's no one around to pick up the pieces on the coding and the governance chain is broken. That's part of why people are moving to more off-the-shelf solutions because they are starting to recognize some of the pitfalls.

Katey Walker: Does stability present the same transformational issues in reserving?

Yi Jing: Yes, I think a lot of companies are investing in a better tool to do their reserving, and I think also tightening documentation of processes for others to follow.

Let’s not forget that, particularly recently, people turnover across the industry has been high. With the pandemic, people may feel changing jobs is a little easier given that you don't have to relocate. Retaining talent is part of maintaining that stability, and insurers can engage people with more challenging, interesting and exciting work.

To that end, let the robots be robots, taking over some of the tedious and repetitive work. I think that’s important to bringing in young talent to the insurance industry.

Challenges brought about by the pandemic

Katey Walker: Obviously we’ve been living through the pandemic. How will it challenge companies’ efficiency and expense structures?

Yi Jing: As people have worked from home extensively, this has obviously posed efficiency challenges, but I’d also bring this back to my point about engaging people remotely with satisfying work.

Charlie Carwin: I’d point to the need for a different focus on different risks: deflations, whether the asset mix is correct and how premium volumes are changing — amongst other things.

Beyond these, I go back to the term I used earlier — “the great resignation.” I think we're seeing that continuing because of things like key man risk, joining up complex processes remotely, and the benefits of flexibility and agility that the pandemic has highlighted.

Linked to the heat companies are seeing in the job market, I think there’s a general push for trying to make sure that actuaries are doing the type of work that actuaries are fit to do, not necessarily the work that actuaries have to do. Automation and making processes more efficient and more focused on extracting the value can clearly contribute to that.

Scott Gibson: Echoing those comments, I’d add that we've actually seen that the companies that have already adopted automation were more resilient after the pandemic hit.

Another interesting thing is how the pandemic has affected the work/life balance. People have been home and, because they're home, they can go run an errand more easily than if they were in an office environment. So, it's creating a sort of an asynchronous working environment that is exacerbated by time differences. You can't necessarily knock on the cubicle next to you and expect the person to be able to tackle a task immediately. Robots can fill that void because they're going to work 24/7. They don't get tired.

But it’s not a case of replacing people. The majority of companies, when we’ve polled them, are actually looking to augment human productivity, not replace it.

So the pandemic has definitely been a potential accelerator for automation and transformation projects, helped by the fact that travel and other expenses have fallen significantly.

Mergers and acquisitions

Katey Walker: A perpetual hot topic is M&A. Do we see a shift in how companies are approaching buying and selling?

Yi Jing: At the beginning of the pandemic, we thought M&A activity would be low given all the uncertainties. It turned out it was, and remains, a hot market. I think that says the industry still has excess capital and sees challenges as opportunities.

Features of the market include a strong interest in specialty business. Moreover, we’re seeing many companies are putting a lot more focus on underwriting strength. The question they want to get answered is: “Is the business as good as the seller is telling them?” Another facet of transactions is companies looking for adding network platforms, such as the Liberty's recent acquisition of the State Auto.

Going forward, I think having an efficient due diligence process is very important. Clients are certainly looking for us to provide better and quicker insights.

The next big thing

Katey Walker: So, to wrap up, I’d like to ask each of you for your take on the next big thing in the coming three to five years.

Charlie Carwin: It’s already happening, but transition to the cloud. I see that growing over the next five years along with automation of the less fun, more repetitive aspects of back-office insurance work.

Scott Gibson: I’d say it’s automation plus. Right now, many companies are automating a specific process or part of a process but have seen the benefits and want to spread their automation wings further.

Michael McPhail: Going first is an advantage on this question, so I agree that simplification and automation are where things are heading.

Yi Jing: I think about what I would like, and that’s knowing, for example, that come quarter- or month-end, my full complement of reserving data will be available the next day — or perhaps more realistically, won’t take weeks or months to produce.

What we believe the webinar discussion illustrates is that insurers’ journey to the future and being best in class does require a deep understanding of all the critical elements involved from strategic to tactical, combined with the technology to make it happen.

If you would like to discuss any of the issues or comments with us, please do contact us.

Related Capabilities

The Edvocate

Lynch Educational Consulting
Dr. Lynch’s Personal Website
Write For Us
The Tech Edvocate Product Guide
The Edvocate Podcast
Terms and Conditions
Privacy Policy
Assistive Technology
Best PreK-12 Schools in America
Child Development
Classroom Management
Early Childhood
EdTech & Innovation
Education Leadership
First Year Teachers
Gifted and Talented Education
Special Education
Parental Involvement
Policy & Reform
Best Colleges and Universities
Best College and University Programs
HBCU’s
Higher Education EdTech
Higher Education
International Education
The Awards Process
Finalists and Winners of The 2022 Tech Edvocate Awards
Finalists and Winners of The 2021 Tech Edvocate Awards
Finalists and Winners of The 2020 Tech Edvocate Awards
Finalists and Winners of The 2019 Tech Edvocate Awards
Finalists and Winners of The 2018 Tech Edvocate Awards
Finalists and Winners of The 2017 Tech Edvocate Awards
Award Seals
GPA Calculator for College
GPA Calculator for High School
Cumulative GPA Calculator
Grade Calculator
Weighted Grade Calculator
Final Grade Calculator
The Tech Edvocate
AI Powered Personal Tutor

How to Set Up and Start Using a Cash App Account

Jazz research questions, interesting essay topics to write about japanese culture, good research topics about japanese art, jane eyre essay topics, most interesting invisible man essay topics to write about, most interesting jaguar essay topics to write about, most interesting jackson pollock essay topics to write about, good essay topics on italian renaissance, good research topics about islamophobia.

Research Questions About Insurance

How Does Insurance Help People Today?
How Does Geography Affect the Canadian Insurance Industry?
What Is the Most Serious Problem in the Insurance Industry?
What Are the Most Common Issues in the Insurance Industry?
Will Insurance Companies Survive in an AI-Powered World?
What Are the Main Causes of the Company’s Two Insurance Policies Failing?
What Are the Different Kinds of Insurance?
What Causes Insurance Companies to Reject Claims?
What Is the Process of Life Insurance?
What Is the Challenge of Threat Related to Long-Term Insurance?
Is It Possible for an Insurance Company to Refuse to Settle a Claim?
How Are the IAIS Principles Implemented in Mauritian Insurance Legislation?
In Simple Terms, What Is Insurance?
What Vulnerabilities Are Affecting Insurance Industry?
Why Are Insurance Companies So Slow to Pay Out?
Is It Possible to Sue an Insurance Company for Irresponsibility?
How Long Does It Take an Insurance Company to Investigate a Claim?
How Could Social Media Govern Banking and Health Coverage?
What Are the Risk Factors in Insurance?
Which Medical Insurance Is Best in Germany?
Can I Purchase Insurance on My Own?
How Do I Select Medical Insurance?
How Many Risks Are There in Insurance?
What Does Insurance Cost in the United States?
What Is the Average American Insurance Cost?
What Is the Impact of Health Insurance Coverage on Medical Service Utilization?
What Are the Insurance Law Rights When Policy Provisions Differ?
What Is the Principle of Realistic Expectations in Insurance Law?

27 Ways to Support Students Who Become ...

Elections essay topic ideas & examples.

Matthew Lynch

Related articles more from author, baptism essay topics, adhd essay topics, fascinating college education essay topics, domino’s pizza essay topics, research topics on ethnicity, coffee essay topics.

Free Samples
Premium Essays
Editing Services Editing Proofreading Rewriting
Extra Tools Essay Topic Generator Thesis Generator Citation Generator GPA Calculator Study Guides Donate Paper
Essay Writing Help
About Us About Us Testimonials FAQ
Studentshare
Health Sciences & Medicine
Long Term Care Insurance

Long Term Care Insurance - Essay Example

Subject: Health Sciences & Medicine
Type: Essay
Level: Masters
Pages: 8 (2000 words)
Downloads: 2

Extract of sample "Long Term Care Insurance"

Cited: 0 times
Copy Citation Citation is copied Copy Citation Citation is copied Copy Citation Citation is copied

CHECK THESE SAMPLES OF Long Term Care Insurance

Term paper on medical insurance, business economics: prudential life insurance, team conflict case, the health care system in the usa, cost of health care in the usa, supertrend: the longevity of americans, american association of retired persons, appraisal of reform proposals for primary health care in canada.

TERMS & CONDITIONS
PRIVACY POLICY
COOKIES POLICY

Essay on Insurance: Top 6 Essays | Insurance Management

After reading this essay you will learn about:- 1. Meaning of Insurance 2. Fundamental Principles or Features of an Insurance Contract 3. Types 4. Double Insurance 5. Re-Insurance 6. Advantages/Utilities/Importance.

Essay on Insurance

Essay Contents:

Essay on the Advantages/Utilities/Importance of Insurance

Essay # 1. Meaning of Insurance:

Risk and uncertainty are incidental to life. These risks and uncertainties are increasing day by day due to increase in fastness of life. Man may meet an untimely death. He may suffer from accident, destruction of property from fire, sea, floods, earthquakes and many other causes. Whenever there is uncertainty, there is risk as well as insecurity.

ADVERTISEMENTS:

It is to provide against risk and insecurity that insurance came into being. The main principle underlying insurance is the pooling of risks. It is a co-operative device to spread the loss caused by a risk (which is covered by insurance) over a large number of persons who are also exposed to the same risk and insure themselves against that risk.

According to W.A. Dinsale, “Insurance is a device for the transfer of risks of individual entities to an insurer, who agrees, for a consideration (called the premium), to assume, to a specified extent, losses suffered by the insured.

According the Mehr and Cammack, “Insurance is a social device for reducing risk by combining a sufficient number of exposure units to make their individual losses collectively predictable. The predictable loss is then shared proportionately by all those in the combination.”

According to D.S. Hansell. “Insurance is a social device providing financial compensation for the effects of misfortune, the payments being made from the accumulated contributions of all parties participating in the scheme.”

According to Schultz and Bradwill, “Insurance in its technical sense is a social device which employs the use of pooling technique to eliminate uncertainty,”

According to Justice Tindal, “Insurance is a contact in which a sum of money is paid by the assured in consideration of insurers incurring the risk of paying a large sum upon a given contingency.”

The agency which helps in entering into this arrangement is called Insurer or insurance company. The person who gets his life/property insured is called Insured/Assured. The agreement or contract, which is put in writing, is called Policy. The thing on property insured is called the subject-matter of insurance and the interest of the assured in the subject-matter is called his insurable interest.

To conclude, a contract of insurance is a contract by which a person, in consideration of a sum of money, undertakes to make good the loss of another against a specified risk, e.g., fire, or to compensate him or his estate on the happening of a specified event, e.g.. accident or death.

Essay # 2. Fundamental Principles or Features of an Insurance Contract:

Insurance contract is based on certain fundamental principles.

These principles are:

(i) Essentials of a Valid Contract:

The contract of insurance must have all the essentials of a valid contract.

According to Indian Contract Act, 1872, a valid contract must possess the following essentials:

(t) Offer and acceptance

(ii) Capacity to contract

(iii) Free consent of parties

(iv) Lawful consideration and object

(v) Contracts not specifically declared void.

(ii) Utmost Good Faith:

The contract in insurance is uberrima fides, e.g., both the parties must disclose all material facts. Concealment of any fact will entitle the insurer to deprive the assured of benefits of the contract.

Each party mush reveal to other party all information which would influence the other’s decision to enter into the contract. Although a party must not make any false statement, he is not bound to disclose to the other party all that he knows or ought to know about the transaction.

But there are certain cases where the knowledge of facts is almost exclusively on one side. In such cases, the contract is vitiated by non-disclosure of any material fact or a misstatement. Such contracts are known as contracts of uberrima fides or contracts based on ‘utmost good faith’.

The rule of caveat empter, i.e., let the buyer beware, does not apply to the contracts of insurance.

The assured knows more about the subject-matter of the contract than the other party (the insurer). Consequently he is under a duty to disclose correctly all material facts known to him to the insurer, so that insurer may be in a position to make an accurate estimate of the risk that he is undertaking.

It is not easy to define material fact. It depends upon the circumstances of each case. A material fact is one which goes to the root of contract of insurance, and which must be stated with perfect degree of accuracy. If the utmost good faith is not observed by either party the contract may be avoided by the other.

A proposer should disclose all material facts at the time of making the proposal not only those facts which he honestly thinks to be material but every fact which a reasonable man would have thought to be material.

(iii) Insurable Interest:

The assured must have an actual interest called the insurable interest in the subject-matter of the insurance. A person is said to have an insurable interest in the subject-matter (property or life) if he is benefitted by its existence and is prejudiced by its destruction. Without insurable interest the contract of insurance is void. It is the existence of insurable interest in a insurance contract that differentiates it from a wagering contract.

A banker has an insurable interest in the property mortgaged to it against a loan. A person has insurable interest in his own life. A creditor can insure the life of his debtor. A person has insurable interest in the building he owns.

An employer can insure the lives of his employees because of his pecuniary interest in them. A businessman has insurable interest in his stock, plant and machinery, building, etc. Husband has interest in the life of his wife and wife in the life of her husband.

Is it necessary in all forms of insurance?

Insurable interest is necessary to support every insurance contract. In case of Life Insurance, insurable interest must be present at the time when the insurance is effected. It is not necessary that the assured should have insurable interest at the time of maturity also.

In case of Fire Insurance, insurable interest must be present both at the time of insurance and at the time of loss. In case of Marine Insurance, insurable interest must be present at the time of loss. It may or may not present at the time of insurance.

(iv) Indemnity:

A contract of insurance is a contract of indemnity. The principle of indemnity is applicable to all types of insurance except life, personal accident and sickness insurance. That means that the assured in the case of loss against which the policy has been made shall be fully compensated and never more than the value of the policy. The insurer agrees to make good the loss but the insured, however, is not entitled to make a profit out of the loss.

A contract of insurance does not remain a contract of indemnity if a fixed amount is to be paid by the insurer to the insured on the happening of the event insured against, whether he suffers a loss or not. A contract of life insurance is not a contract of indemnity. In life insurance, the insurer is liable to pay the sum mentioned in the policy upon the happening of the contingency (death, or expiry of a certain period).

(v) Mitigation of Loss:

The next essential principle of insurance is that in the event of some mishap to the insured property, the assured must take all necessary steps to mitigate the loss. The insurer must act in a prudent manner as if he were in-insured.

However, he should do his best: yet in case of his own death he is not required to do so. If he does not do so the insurer can avoid the payment of loss attributable to his negligence. In nutshell, he is bound to do his best under the circumstances, but he is not bound to do at the risk of his life.

(vi) Risk Must Attach:

A contract of insurance is enforceable if and only if the risk has been attached. If the risk is not run the consideration fails, and therefore the premium received by the insurer must be returned The premium is to be returned even where the risk is not run or could not be run due to the fault, will or pleasure of the assured.

A policy is not attached till the risk begins and is not attached after the risk is determined one way or the other, except in those special insurance where both the parties being ignorant of the position of the thing insured, contract to insure it lost or not lost.

(vii) Contribution:

Sometimes a property is insured with more than one company. Where there are two or more insurances on one risk, the principle of contribution applies between insurers. The objective of contribution is to distribute the actual amount of loss among different insurers who are liable for the same risk.

In case of loss, any one insurer may make the payment to the assured the full amount of loss covered by the policy. After paying this amount, he is allowed to claim a contribution from his co-insurers in proportion to the amount which each has undertaken to pay in case of loss.

The principle of contribution is applied to any insurance which is a contract to indemnity. It does not apply to life and personal accident insurance.

(viii) Subrogation:

The principle (or doctrine) of subrogation is a corollary to the principle of indemnity and applies only to fire and marine insurances. It does not apply to life and personal accident insurances. If the insured party gets a compensation for the loss suffered by him, he cannot claim the same amount of loss from any other party.

Subrogation is a substitution of one person in place of another in relation to the claim, its rights, remedies or securities. Whenever, an assured has received full indemnity in respect of his loss, the insurer is subrogated to only the rights and remedies available to the assured in respect of the thing to which the contract of insurance relates. The insurer’s right to subrogation arises only when he pays the loss for which he is liable under the policy.

(ix) Causa Proxima or Proximate Cause:

The insurer can recover the loss only if it is proximately caused by any of the perils insured against. This is known as the principle of Causa Proxima. “Every loss that clearly and proximately results whether directly or indirectly from the event insured against is within the policy.”

The rule of proximate cause runs as Causa Proxima Non-Remote Spectator, i.e., the proximate and not the remote cause is to be looked to, and if the proximate cause of the loss is a peril insured against, the assured can recover the amount of the loss from the insurer.

The question, which is the causa proxima of a loss, can only arise where there are a succession of causes. When a result has been brought about by two or more causes, you must, in insurance law, look to the nearest cause, although the result would, no doubt, not have happened without the remote cause.

Proximate does not mean the nearest in time. The cause which is truly proximate is that which is proximate in efficiency. If the loss is the result of such an efficient cause, it will be regarded as having been caused by the proximate cause.

Section 55 of the Marine Insurance Act, 1963 lays down that unless the policy otherwise provides, the insurer is liable for any loss proximately caused by a peril insured against.

Essay # 3. Types of Insurance:

There are a number of types of insurance, but the following types stand out as being of special importance:

(i) Life insurance

(ii) Fire insurance

(iii) Marine insurance

(i) Life Insurance:

In life insurance contract the amount of the policy is definitely paid, it is a question of time only. The amount becomes payable on the death of the assured or on the expiry of a certain fixed period, whichever is earlier. Life insurance contract is not a contract of indemnity.

Life insurance is a contract by which the insurer, in consideration of a premium, undertakes to pay a certain sum of money on the death of a person whose life is insured, or on the expiry of a certain period, whichever is earlier. Life insurance contract is not a contract of indemnity. The loss of life cannot be compensated and only a specified sum of money is paid.

Fundamental Principles/Features/Essentials of Life Insurance Contract :

Life insurance contract is based on certain fundamental principles.

1. Essentials of a Valid Contract:

The life insurance contract must have all the essentials of a valid contract.

According to Indian Contract Act, 1872, a valid contract must contain the following essentials:

(i) Offer and acceptance.

(ii) Capacity to contract.

(iii) Free consent of parties.

(iv) Lawful consideration of object.

2. Utmost Good Faith:

The contract of life insurance is a contract of utmost good faith. The insured should be honest and truthful in giving information to the insurance company. He knows more about the subject-matter of the contract than the other party (the insurer).

Consequently, he is under a duty to disclose accurately all material facts known to him to the insurer. Concealment of any fact will entitle the insurer to deprive the assured of the benefit of the contract.

3. Insurable Interest:

In life insurance, the insured must have insurable interest in the life assured. Without insurable interest the contract of insurance is void. In case of life insurance, insurable interest must be present at the time when the insurance is Affected. It is not necessary that the assured should have insurable interest at the time of maturity also.

In the following three cases insurable interest is presumed and no proof is necessary, viz.:

(i) Own life

(ii) Husband in the life of wife, and

(iii) Wife in the life of husband.

The following persons have been held to have insurable interest:

(i) A person is presumed to have an interest in his own life and every part of it.

(ii) A creditor has an insurable interest in the life of his debtor,

(iii) A proprietor of a drama company has an insurable interest in the lives of actresses.

(iv) A servant engaged for a term of years has insurable interest in the life of his employer.

4. Contract of Indemnity:

A contract of life insurance is not a contract of indemnity. The loss of life cannot be compensated and only a specified sum of money is paid. That is why the amount payable in life insurance on the happening of the even is fixed in advance. Once the ‘sum of money’ payable is fixed, it is constant invariable. A contract of insurance, therefore, is not a contract of indemnity.

The loss resulting from the death of life assured cannot be estimated in terms of money and only a fixed amount is paid.

How to Effect Life Insurance (I.E., Procedure)?

A number of steps are taken to effect life insurance policy.

These steps are:

a. Proposal:

Before taking a life insurance policy, it is important to take proposal for which is available free from the office of Life Insurance Corporation. Agents also supply this form. The form contains a number of questions about the health of the person, family background, and the mode of paying premium.

As we know that the contract of insurance is based on utmost good faith. So the proposer must answer all the questions correctly. He should not conceal any factual information. Concealment of any fact will entitle the insurer to deprive the assured of the benefits of the contract.

b. Medical Examination:

After the proposal form has been submitted, a medical examination of the person to be insured is arranged. Such examination can be conducted only by a doctor approved by the insurance company. The medical report of the applicant is directly forwarded by the doctor to the office of the company.

c. Acceptance of Proposal:

The proposal form is sent to the company along with medical report and the comments of the insurance agents. The proposal form is scrutinised by the company and if the company is satisfied, the proposal is accepted.

d. Proof of Age:

The applicant has to furnish satisfactory proof of his age to the insurance company.

The proof of the age can be furnished through any one of the following:

(i) A certificate from the Municipal Birth Register

(ii) A certificate of High School

(iii) The horoscope of the assured

(iv) Service Book

(v) Certificate relating to the Baptism ceremony among Christians.

e. Premium:

When the proposal is accepted, it is intimated to the applicant and he is asked to make the payment of premium. On the payment of premium the policy comes into operation and the risk is covered then onwards.

f. Insurance Policy:

After receiving the installment of first premium, the insurance company prepares the insurance policy. The policy is in the form of an agreement between the insurance company and the assured to pay a certain sum of money to the assured on the happening of the event mentioned in the policy.

It bears the signatures of the officials of the insurance company. When the policy is ready, it is sent to the assured by registered post. It contains the assureds’ name, address, occupation, age, amount of insurance, number of installments, amount and date of premium, etc.

Different Kinds of Life Insurance Policies:

The life insurance policies are of the following types:

1. Whole Life Policy:

Under this policy, premium is payable throughout the life time of the life assured. The sum assured becomes payable only on the death of the insured. These policies are taken out to make provision for the dependants. This policy is also called ‘Ordinary Life Policy’.

2. Endowment Policy:

This is most popular form of life insurance. This policy is taken up for a specific period known as ‘endowment period’. The sum assured is payable either on the death of life assured or on the expiry of a fixed period, whichever is earlier. If the person does not die upto the maturity of the policy, he shall get back the insured amount after the maturity of the policy.

3. Joint Life Policy:

This policy implies to husband and wife or the partners of a business. They can have a joint policy. It is like Endowment Policy. The sum assured under a Joint Life Policy (on two or more lives) is payable at the end of the endowment term or on the first death of any one the lives assured, whichever is earlier. Such policies are usually taken by partnership firms to provide for the payment of the capital of the deceased partner.

4. With or Without Profit Policy:

Life insurance policy may be ‘with profit’ or ‘without profit’. The assured is entitled to the share in the profits of the insurer if the policy is a ‘with profit’ policy. Contrary to this, in case of ‘without profit’ policies, such a question does not arise.

5. Annuity Policy:

Under annuity policy, the amount is payable by the insurer not in lump sum but by monthly, quarterly, half-yearly or annual installments which are paid either until death or for a specified number of years. This policy is very useful to those persons who desire to provide a regular income for themselves and their dependants after the expiry of a specified period.

6. Sinking Fund Policy:

These policies are mostly taken by firms and companies to accumulate funds to pay off a liability or for making a provision for the replacement of an asset after a period of time.

7. Convertible Whole Life Policy:

This policy is issued as a whole life policy with a provision to convert it into an Endowment Policy after the expiry of a specified period (say 5 years). If this option is not exercised, the policy continues as a whole life policy with premiums ceasing at a certain age.

8. Group Insurance Policy:

This policy may be taken out for the protection of lives of all employees in a business concern. One policy is issued to the employer with individual certificates indicating the amount of insurance protection of each employee. Dependants of the employees are entitled to the benefits of these insurances.

(ii) Fire Insurance:

Fire insurance covers losses caused by fire. A fire insurance is an agreement between the two parties, i.e., insurer and insured, whereby the insurer undertakes to indemnify the loss suffered by the insured in consideration for his (insured) paying of certain sum called premium. Fire Insurance is a contract of indemnity. This contract does not help in controlling or preventing fire but it is a promise to compensate the loss.

A contract of fire insurance is a contract whereby the insurer, in consideration of the premium paid, undertakes to make good any loss or damage caused by fire during a specified period. Normally, the fire insurance policy is for a period of one year after which it is to be renewed from time to time.

A claim for loss by fire must satisfy the following two conditions:

(i) There must be actual loss; and

(ii) Fire must be accidental and non-intentional.

The risk covered by a fire insurance contract is the loss resulting from fire or some cause which is the proximate cause of the loss. If damage is caused by overheating without ignition, it will not be regarded as a fire loss within the meaning of fire insurance contract and the loss will not be recoverable from the insurer.

Fundamental Principles/Essentials/Features/Characteristics of Fire Insurance Contract:

Fire insurance contract is based on certain fundamental principles.

a. Insurable Interest:

In fire insurance, the assured must have insurable interest in the subject-matter of the insurance. Without insurable interest the contract of insurance is void. In case of fire insurance, insurable interest must be present both at the time of insurance and at the time of loss. In case of goods, insurable interest arises on account of (i) ownership, (ii) possession, and (iii) contract.

The following persons have insurable interest in the subject-matter of insurance in case of a fire policy:

(i) A person has insurable interest in the property he owns.

(ii) A businessman has insurable interest in his stock, plant and machinery and building.

(iii) Agent has an insurable interest in the property of his principal.

(iv) Partner has insurable interest in the property of partnership firm.

(v) Mortgagee has insurable interest in the property which is mortgaged.

b. Utmost Good Faith:

The contract of fire insurance is a contract of utmost good faith. The insured should be truthful and honest in giving information to the insurance company. Insured knows more about the subject-matter of the insurance.

He is under a duty to disclose accurately all factual information known to him. The insurance should also disclose the facts of the policy to the proposer. So utmost good faith on the part of both the parties is a must.

c. Indemnity:

The contract of fire insurance is a contract of indemnity. The assured can, in the event of loss, recover the actual amount of loss from the insurer. This is subject to the maximum amount for which the subject-matter is insured. The value of the policy undertaken is fixed at the time of contract. The actual amount of loss suffered is compensated and the value of policy is only the maximum limit.

If a person has insured his house for Rs. 40,000 the insurer is not necessarily liable to pay that amount, although the house may have been totally destroyed by fire; but he will pay the actual loss within the maximum limit of Rs. 40,000.

Kinds of Fire Insurance Policies:

The fire insurance policies are of the following kinds:

i. Valued Policy:

It is a policy in which the amount payable in case of loss is fixed at the time when the policy is taken. In the event of loss, the fixed amount is payable irrespective of the actual amount of loss. Valued policy is not a contract of indemnity. It can be legally challenged.

ii. Specific Policy:

The specific policy provides for the payment of a specific sum in respect of loss to the property and does not penalise under-insurance. This policy is also known as ‘Average Policy’ because the insurer usually inserts the average clause in the policy.

iii. Floating Policy:

The floating policy covers several lots of goods lying at different places under one insurance cover. It is always subject to average clause.

iv. Comprehensive Policy:

It covers the risks of the fire arising out of any cause that is civil, communication, riots, thefts, labour disturbances and strikes, etc.

v. Consequential Loss Policy:

In certain cases fire can’ cause the loss of business of the insured. Such persons to cover the risk of business due to fire, undertake the consequential loss policy.

vi. Re-installment or Replacement Policy:

In such a policy, the insurer has the right to reinstate or replace the property destroyed instead of paying cash. The modes of discharge by the insurer are alternative. If the insurer selects one, he cannot afterwards change to the other. If the insurer offers to pay, he cannot afterwards claim to re-instate and vice versa.

vii. Sprinkler Leakage Policy:

This policy covers the loss arising out of water leakage from sprinkles which are set up to extinguish fire.

viii. Average Policy:

In this policy, the average clause is inserted which means the insured will have to bear proportionate loss with the insurer in case where policy is taken for a certain amount greater than the value of the property.

The formula for calculating average amount of claim is given below:

Amount of Claim or Average Loss = Insured Amount x Actual Loss/Actual Value of Property

ix. A Blanket Policy:

It is issued to cover all the fixed and current assets of an enterprise by one insurance.

x. Declaration Policy:

Under this policy, trader takes out a policy for the maximum value of stock which he may expect to hold during the year.

(iii) Marine Insurance:

It is one of the oldest forms of insurance. It covers all marine losses, that is to say, the losses incidental to marine adventure. Marine insurance may be called a contract whereby the insurer undertakes to indemnify the insured in a manner and to the extent thereby agreed upon against marine losses.

A contract of marine insurance is an agreement whereby the insurer undertakes to indemnify the insured in the manner and to the extent thereby agreed, against marine losses. Marine insurance is an arrangement by which the insurer undertakes to compensate the owner of a ship or cargo for complete or partial loss at sea.

The contract of marine insurance is a contract of indemnity. The assured can. on the happening of the event, recover the actual amount of loss, subject to the maximum amount for which the subject-matter has been insured.

Subject-Matter of Marine Insurance:

The following three things are covered in the subject-matter of marine insurance:

1. Cargo Insurance:

The goods to be sent through ship is called ‘Cargo’. For the safety of goods, insurance policy is taken. The goods are generally insured according to their value but some percentage of profit can also be included in the value. At the happening of the event insurance company is liable to pay both value of the goods plus profit percentage. The rate of premium depends upon the nature of goods, packing, etc.

2. Hull Insurance:

When the ship is insured against any type of danger, it is called ‘Hull Insurance’. The ship may be insured for a particular period or for a particular trip.

3. Freight Insurance:

The freight may be paid in advance or on the arrival of goods. The shipping company will not be entitled to get freight, if the goods are lost in transit. The shipping company may insure the freight to be received which is called ‘Freight Insurance’.

Marine Insurance Contract :

Marine insurance is an agreement by which the insurer undertakes to compensate the owner of a ship or cargo for complete or partial loss at sea.

In other words, under marine insurance, the insurer undertakes to indemnify the insured in the manner and to the extent thereby agreed against marine losses.

Among the subject-matter of marine insurance are included:

(ii) Cargo, and

(iii) Freight.

Marine Insurance Contract is a Contract of Indemnity :

The contract of marine insurance is a contract of indemnity. The assured can, in the event of loss recover the actual amount of loss from the insurer. Under no circumstances, the insured is allowed to make profit out of the marine insurance contract.

However, it becomes difficult to determine indemnity when the loss occurs. That is why, most insurance policies provide a commercial indemnity rather than a strict legal indemnity. They promise to indemnify ‘in the manner and to the extent agreed’.

In case of ‘Hull Policy’, the amount insured is fixed at a level rather above the current market value and in case of ‘Cargo Policy’, the amount insured also includes an amount for certain charges and profit.

Marine Insurance Contract is a Contract of Good Faith :

The contract of marine insurance is a contract of uberrima fides, i.e., utmost good faith. Both the insured and insurer must disclose everything which is in their knowledge and can affect the insurance contract. The insured should be truthful and honest in giving information to the insurance company.

He is under a duty to disclose accurately all factual information known to him. The insurer should also disclose the facts of the policy to the proposer. If utmost good faith is not observed by either party, the contract may be avoided by the other party. So utmost good faith on the part of both the parties is a must.

Kinds of Marine Insurance Policies:

The marine insurance policies are of the following kinds:

1. Valued Policy:

The valued policy contains the insured value of goods which is made up of invoice price, charges like freight, shipping and insurance and 10 per cent margin to cover profits and other incidental expenses. That is, it is the C.I.F. price (Cost, Insurance and Freight Price) plus 10 per cent profit.

2. Open or Unvalued Policy:

In this policy the value of the goods insured is not mentioned and is to be calculated when the actual loss arises. Unvalued policies’ are rarely issued.

3. Floating Policy:

This policy is popular with those merchants who make regular and frequent shipment of goods through an established route. Instead of taking many individual policies, one running policy is taken and the necessary particulars relating to the voyage are given by subsequent declaration at the time of each separate shipment.

4. Voyage Policy:

In such a policy the risk is covered for voyage of the ship or a specified route. Each voyage is made the basis of marine insurance for covering the related risks from the port of departure to the port of destination. Generally, the cargo owner takes the Voyage Policy for each separate shipment of goods.

5. Time Policy:

These policies are taken to cover all marine risks for a specified period, usually on the yearly basis, Cargo-owners may also take up time policies covering all shipments during a fixed period.

6. Mixed Policy:

These policies are issued by combining both the time and voyage features under one coverage. In this policy, the coverage is allowed for a particular time and for a particular voyage or a definite route.

Differences between Fire Insurance and Marine Insurance:

Essay # 4. Double Insurance :

When the same subject-matter is insured with two or more insurers and the total sum insured exceeds the value of the subject-matter, the assured is said to be over-insured by double insurance. As stated in Section 34 of the Marine Insurance Act, 1963, over-insurance and double insurance are valid unless the policy otherwise provides.

For instance, if Mr. X insures his factory worth Rs. 2 lakh with three insurers as—with A for Rs.90,000, with B for Rs. 80,000 and with C for Rs.70,000 there is a double insurance because the aggregate of all the policies exceeds the total value of Mr. X’s factory. If Mr. X insurers with A for Rs.80,000, with B for Rs. 70,000 and with C for Rs. 50,000 there is no double insurance.

A man may insure with as many insurers as he pleases. In case of loss, he may claim payment from the insurers in such order as he may think fit, but he will not get more than his actual loss, because a contract of insurance is a contract of indemnity. The insurers as between themselves are liable to contribute to the loss in proportion to the amount for which each one is liable.

If an insurer pays more than this proportion of the loss, he is entitled to recover the excess from his co- insurers. In India, Life Insurance Corporation of India being the only insurer of life there is no question of double insurance of life.

Essay # 5. Re-Insurance:

Every insurer has a limit to the risk that he can undertake. If at any time a profitable venture comes his way, he may accept a risk beyond his capacity, he may re-insure the same risk either wholly or partially with other insurers. This is known as re-insurance.

The re-insurer is not liable to the assured. This is because there is no private of contract between them. The re-insurance is subject to the clauses and conditions in the original policy, and is also entitled to any benefits which the Original policy is entitled to. The policy or re-insurance is co-extensive with the original policy.

If the original policy for any reason comes to end or is avoided, the policy of reinsurance also comes to an end. On payment of loss under the policy of re-insurance, the re-insurers are subrogated to all the rights of the original insurer including the rights of the assured to which the original insurer is subrogated.

Re-insurance can be resorted to in all kinds of insurance because the insurer has one insurable interest in the subject-matter insured to the extent of the amount insured by him.

Essay # 6. Advantages/Utilities/Importance of Insurance:

Immense are the benefits of insurance to the modern business. The goods may destroy due to fire beyond the control of man. The goods also destroy in transit. The workers are sometimes exposed to various risks which can cause death or permanent disability of some workers. Insurance has been helpful in solving these problems of business and private life.

Following are the advantages of insurance:

1. There is always a fear of sudden loss. Insurance provides security against such losses. Insurance gives security to both individuals and businessmen. Nowadays insurance covers various social welfare schemes also. There are schemes providing for sickness. Unemployment, health accident and old age insurances. These schemes are beneficial to poor people and also help in establishing social justice.

2. The fundamental principle of insurance is to spread risk among a large number of people. A large number of people get insurance policies and make the payment of premium to the insurer. Whenever a loss occurs, it is compensated out of funds of the insurer. The loss is spread among a large number of policyholders.

3. Insurance not only provides protection against risks but it is also a good form of investment. The insurance develops a habit of saving money by paying premium. In case of fixed time policies, the insured gets a lump-sum amount after the maturity of the policy.

4. Insurance helps in capital formation and economic development of the nation. Large funds are collected by way of premiums. These funds can be gainfully employed in industrial development of the country. The employment opportunities also increase by large investments made by insurance companies. So insurance has become an important source of capital formation.

5. These days large variety of policies have been designed for different purposes. Persons, by taking different types of life insurance policies, may provide against every type of his social and business obligation, i.e., for the education or marriage of the children, etc.

6. Insurance has helped the development of international trade on a large scale. Marine insurance provides protection against all types of sea-risks.

Notes on Over and Under Insurance
Notes on Reinsurance: Meaning and Types
Notes on Insurance: Meaning, Need and Functions
Risk in Insurance: Meaning, Types and Its Transfer

We use cookies

Privacy overview.

Share full article

Supported by

Guest Essay

The Long, Strange History of ‘Manifesting’

A drawing of a woman holding a bright pink thought cloud.

By Tara Isabella Burton

Dr. Burton is the author of “Self-Made: Creating Our Identities From da Vinci to the Kardashians” and the novel “Here in Avalon.”

Reality is what you make it — at least according to those who believe in manifesting, the art and quasi-spiritual science of willing things into existence through the power of desire, attention and focus.

Want to improve your health or make more money or get more Instagram followers? Believe hard enough, a host of TikTok “ manifesting” influencers insist, and the vibes of the universe will bring what you desire into existence.

In some ways, this is a new trend. The idea of manifesting as it is understood today rose to popularity as part of a boom in online spiritualism and self-help philosophy that emerged during the pandemic. According to Google data , online searches for “manifesting” rose more than 600 percent during the first few months of the pandemic.

But while the idea of manifesting may seem modern, the instinct to conflate spiritual forces, political and economic outcomes and our own personal desires is part of a longstanding American tradition that dates back much, much farther than the pandemic.

To understand today’s manifesting culture and what it means, we need to look deeper into history — beyond the 21st century and back to the 19th, to a little-known but once extraordinarily popular American religious tradition known as New Thought, or the “mind cure.”

New Thought can be traced back to the 1800s and a New England faith healer named Phineas Parkhurst Quimby. Quimby wondered why, when given the same treatment, some of his patients got better and others didn’t. The answer, he concluded, had to do not with a fault in his methods but rather with a discrepancy in his patients’ mind-sets. Some people simply wanted to get better more than others did. Those who wanted it badly enough were able to essentially get in touch with and harness the energy of the universe to will themselves to heal. Those who didn’t, well, simply died.

Quimby’s theory — which was embraced early on by his followers, including Mary Baker Eddy, the founder of the Christian Science movement — soon proliferated wildly. By the turn of the century, it was ubiquitous.

Dozens of self-help books, including William Walker Atkinson’s “Thought-Force in Business and Everyday Life” and James Allen’s “As a Man Thinketh, ” emerged, arguing that the universe’s mysterious energies could be mastered by the human will. The idea of the “mind cure” began to merge in popular consciousness with other then-novel discoveries like electricity and Darwinian evolution, all of which seemed to support the theory of the human mind’s dominance over nature. For what was survival of the fittest if not proof that will triumphs over all?

By the late 19th century — in that era of staggering inequality known as the Gilded Age — the influence of New Thought had begun to seep into economic theory and became a popular frame through which to make sense not only of sickness but also of poverty. Nobody who truly wanted to be rich, a new wave of books claimed, would ever end up poor.

As one New Thought advocate, Charles Benjamin Newcomb, wrote in his tellingly titled 1897 book “All’s Right With the World,” “none is really shut out of the feast [of life] except the self-exiled.” Those who wanted in on “the banquet” had only to repeat to themselves the following mantra, which frankly sounds a lot like something you might find on TikTok today: “I am well. I am opulent. I have everything. I do right. I know.”

In this way, the capitalist pursuit of profit was swiftly recast as a religion whose only tenet was desire.

But this Gilded Age optimism about human potential had a dark side. After all, if anyone could achieve health, wealth and success simply by wanting it badly enough, logic held that the converse was also true: The poor, the sick and the vulnerable had brought their conditions upon themselves by failing to possess the requisite will to change.

Unsurprisingly, throughout the 20th century, New Thought ideology was frequently invoked to justify the denial of social services to the poor — on the ground that it would interfere with the purposeful workings of the energies of the universe, which wished to reward only those at the top of the proverbial heap.

“If we lack anything,” wrote another New Thought writer, Charles Fillmore, “it is because we have not used our mind in making the right contact with the supermind.” God (or nature or the universe, or whatever higher power you chose) wanted people to be rich. And in turn, people could become rich — or healthy or famous — simply by wanting it.

New Thought offered a convenient economic theodicy: a way of explaining and justifying wealth inequality as a kind of spiritual hierarchy, with the wealthy at the top and the suffering at the bottom. And it’s notable that manifesting, New Thought’s modern descendant, should rise to prominence at a moment when economic inequality is once again at an all-time high.

While New Thought may not be alive in the same form today, its legacy is clearly visible in American life. In evangelical circles, it has alchemized into the Prosperity Gospel: the idea that prayer (and tithing) will be rewarded by material success in this life. According to one study, three-fourths of American Christians say they agree with the statement “God wants us to prosper financially.” Its effect can be traced to maxims found in the philosophies of wellness brands like Goop and gurus like Oprah Winfrey and Tony Robbins and in self-help best sellers like Norman Vincent Peale’s “The Power of Positive Thinking” and Rhonda Byrne’s “The Secret.”

Echoes of New Thought are visible in our politics, too — where self-invention, and the idea that reality can and should bend to belief, has never been more in vogue. The most notorious recent example is the former New York congressman George Santos, whose preposterous fabrications got him elected to public office. (He later defended them, claiming to be a “ self-made man, ” which, in a sense, he certainly was.) And of course, there’s the former president and current Republican front-runner, Donald Trump, whose legendary delusions of grandeur helped lead him to the highest office in the country.

Today, as in the 19th century, the belief that we can will things into reality comes with a dark side, too. In an era when outlandish lies can and do influence elections, manifesting has become as much about exerting influence over others as it is about improving one’s finances, or healing from illness, or self-actualization, or vibes.

It is only by understanding the religious and occult tradition from which the concept of manifesting descends that we can see it for what it truly is: a spiritualized gloss on the same deluded logic that suggests that poverty is a choice, and that underpins so much political disinformation. After all, if reality is only ever what we make it, then those who possess the fewest scruples about conforming to the truth are the ones who will have the most power to shape the future.

Tara Isabella Burton is the author of “Self-Made: Creating Our Identities From da Vinci to the Kardashians” and the novel “Here in Avalon.”

The Times is committed to publishing a diversity of letters to the editor. We’d like to hear what you think about this or any of our articles. Here are some tips . And here’s our email: [email protected] .

Follow the New York Times Opinion section on Facebook , Instagram , TikTok , X and Threads .

WEATHER ALERT High Surf Advisory Full Story
WEATHER ALERT Winter Weather Advisory Full Story

Man takes body part from scene of deadly train collision in Kern County: authorities

A man was arrested for allegedly taking a severed body part from the scene of a collision between an Amtrak train and a person on the tracks in Kern County.

The incident happened in Wasco, a city just north of Bakersfield.

A graphic video going viral on social media shows the man who authorities say took the body part from the scene. In the footage, he is seen carrying a severed lower leg and foot down a street in the area.

At one point, the man bent over and appeared to sniff the apparent body part.

Kern County sheriff's deputies quickly swarmed the area and arrested that man. They are now studying that video for what could be numerous criminal charges.

4-year-old struck, killed by car in Long Beach

Authorities warn of possible 'takeovers' at South Bay shopping malls

Attorney for alleged bookmaker tied to Ohtani theft case speaks out

Irvine police arrest 3 men for alleged ties to organized crime ring

Burglars apparently broke through wall to get into DTLA jewelry store

38 minutes ago

Powerball ticket worth $2.4M sold at Sun Valley 7-Eleven store

CA insurance commissioner addresses State Farm non-renewal plan

Rain remains in SoCal on Sunday amid cold temperatures

Health Insurance in the USA: A Basic Necessity for the Population Essay

Introduction, present solutions, plan to implement solutions, works cited.

Health insurance has become an important form of security in the modern world. In a country like the United States, health insurance is sought part of being a US citizen and has become a basic necessity for the population. With this thought, there are still millions of people that are uninsured and form one of the biggest social and public sector issues today. Solutions to this problem come in all forms but only a few can be logically implemented, accepted, and benefit all parties.

There are several planned, proposed, and potential solutions to the issue of uninsured people. These are mainly different ways of covering the uninsured and vary in cost, philosophy, and methodology. Some of these are discussed briefly as follows.

The basic idea is to provide health benefits and insurance for all Americans. This can be done only when there is willingness and participation from all influential actors including the healthcare provider and the patient. Controlling costs will result in efficiency and a greater share that can be used on the solutions to this problem through proper managerial practices and infrastructure. This can also be done by the simplification of the administrative side of the healthcare sector. Finally, affordable solutions for both the public and the private and public financers are the key to proper implementation and running (Battista).

One of the basic solutions is to use the federal funds to cover uninsured people several hundred percent below the poverty line. This will redirect a chunk of the federal funds towards healthcare expenditure, which is the only problematic aspect although it would somewhat lower the uninsured population.

High deductible health insurance is another solution that will help the uninsured through healthcare savings accounts and will use taxes to fund coverage solutions. Another basic but large-scale solution is a single large pool of healthcare that all US citizens will be a part of, which will be publically funded. Another small-scale solution with limited effects would be to mandate employers to provide health insurance to employees that work for a certain amount of time during a week. Like these, several other solutions have been proposed by experts but only a few can be applicable. (Healthcare coverage in America: Understanding the issues and proposed solutions).

Currently, few of these solutions are being implemented. That does not mean that nothing is being done about the uninsured issue, just that the current solutions are a little different than the ones mentioned above, which seems ideal (Kennedy).

The current measures being taken are similar yet different. The new US administration is focusing on higher discount rates from drug companies to medical insurance providers. Among the solutions mentioned above, redirection of federal funds is being proposed with the idea of funding medical research and financing the insurance-providing pool for the public. This also includes expenditure on outreach programs that help the issue of immigrants and minority uninsured people (Robert).

In my view, a good plan to start the solution chain for this problem would be the proper reallocation of federal funds in favor of healthcare research and insurance coverage. At the same time, in parallel, the US administration needs to plan out and implement a single publically funded pool and provide health insurance for all US citizens at nominal rates, a system similar to the Canadian counterpart (Varnon).

Battista, John R. “Solving The Problem Of The Uninsured.” 2004. Connecticut Coalition for Universal healthcare.
“Healthcare coverage in America: Understanding the issues and proposed solutions.” 2008. cover the uninsured.org.
Rob Varnon. “Many arguments, few solutions to growing problem of uninsured Americans.” Connecticut Post (Bridgeport, CT) (n.d.). Newspaper Source. EBSCO. [Library name], [City], [State abbreviation].
Robert, Pear. Obama Offers Broad Plan to Revamp Health Care . 2009. Web.
Sheryl Kennedy. “Detroit Health Care Providers, Politicians, Seek Solutions for Uninsured.” Detroit Free Press (MI) (n.d.). Newspaper Source. EBSCO. [Library name], [City], [State abbreviation].
Chicago (A-D)
Chicago (N-B)

IvyPanda. (2022, March 13). Health Insurance in the USA: A Basic Necessity for the Population. https://ivypanda.com/essays/health-insurance-in-the-usa/

"Health Insurance in the USA: A Basic Necessity for the Population." IvyPanda , 13 Mar. 2022, ivypanda.com/essays/health-insurance-in-the-usa/.

IvyPanda . (2022) 'Health Insurance in the USA: A Basic Necessity for the Population'. 13 March.

IvyPanda . 2022. "Health Insurance in the USA: A Basic Necessity for the Population." March 13, 2022. https://ivypanda.com/essays/health-insurance-in-the-usa/.

1. IvyPanda . "Health Insurance in the USA: A Basic Necessity for the Population." March 13, 2022. https://ivypanda.com/essays/health-insurance-in-the-usa/.

Bibliography

IvyPanda . "Health Insurance in the USA: A Basic Necessity for the Population." March 13, 2022. https://ivypanda.com/essays/health-insurance-in-the-usa/.

Taking Care of the Uninsured
The Problem of Uninsured Millions in the US
Legal and Ethical Implications of Uninsured in the US
Impact of Uninsured Population Project
Impact of Uninsured in Rural Population
Racism in American Schools
The Problem of Uninsured People in the US
Health Care Coverage to Uninsured Marylanders
Bodies That Protest: Nude Protest
The Uninsured Persons in the US Healthcare System and Their Rights
Taking Care of the Uninsured in the United States
The Issue of Nosocomial Infection Management
Managing Health Care Professionals
Brigham and Women’s Hospital: Shapiro Cardiovascular Center
The Leadership in Healthcare: The Intelligent Quotient and Technical Aspects

IMAGES

Three Essays On Insurance / 978-3-8465-2766-5 / 9783846527665 / 3846527661
Essay on health care insurance / cheap assignment writing service
Insurance Essay Pdf
History of Life Insurance Free Essay Example
My Career as a Rookie in the Insurance Field Essay Example
50 Free Persuasive Essay Examples (+BEST Topics) ᐅ TemplateLab

VIDEO

part A-Insurance Topic 2_Theory part
Supplemental Essays 2023
Pma 153 initial interview most important and repeated essay topics
PMA 153 Initial interview
as long as they got insurance we coolin’ 🤝 #monzaexotics #carrentals
Harvard Blew an Insurance Deadline (and got stuck with no coverage)

COMMENTS

160 Insurance Essay Topics & Research Topics on Insurance
Hull and Machinery Insurance and Protection and Indemnity Clubs. Market Analysis of Allstate Insurance Company. Life Insurance: Theory and Practice. Anthem Insurance Companies' Cost Benefit Analysis. We will write a custom essay on your topic tailored to your instructions! 308 experts online.
235 Insurance Essay Topic Ideas & Examples
Children's Health Insurance Program. This presentation discusses the role of the Children's Health Insurance Program, a component of U.S. health policy regulating different mechanisms of medical services for children. Economics: Insurance Industry in 2005. The first is trade in risk and the second is diversification.
120+ Creative Insurance Project Topics For Students In 2023
1. Practical Learning. Insurance projects provide students with hands-on experience, helping them understand how insurance works in the real world. It's like learning to ride a bike by actually riding one - students get to see insurance principles in action, making their knowledge more practical. 2.
Insurance Essays: Examples, Topics, & Outlines
PAGES 35 WORDS 11287. Insurance Fraud. After tax evasion, insurance fraud is considered the highest-ranked among white-collar crimes. The original concept of insurance, as a for-profit endeavor, was to collect funds from a large number of people to pay for damages and accidents that involved a small percentage of the population that paid premiums.
131 Health Insurance Essay Topic Ideas & Examples
Children's Health Insurance Program. This presentation discusses the role of the Children's Health Insurance Program, a component of U.S. health policy regulating different mechanisms of medical services for children. The Selection Process for the Type of Health Insurance for Staff in a Medium-Sized Company.
Essay on Insurance
Students are often asked to write an essay on Insurance in their schools and colleges. And if you're also looking for the same, we have created 100-word, 250-word, and 500-word essays on the topic. Let's take a look… 100 Words Essay on Insurance What is Insurance? Insurance is like a safety net.
≡Essays on Insurance. Free Examples of Research Paper Topics, Titles
Additionally, writing an essay on insurance allows individuals to delve deeper into the topic, gaining a better understanding of its complexities and implications. When writing an essay on insurance, it is important to consider the following tips: Research: Start by conducting thorough research on the topic. This may include studying the ...
121 Health Insurance Essay Topics
Children's Health Insurance Program: The Role of Nurses. Limited Access to Health Insurance for Low-Income Families. Health Insurance: Prisoner's Dilemma. Health Maintenance Organization Insurance. The Emergence of Private Health Insurance. We will write a custom essay on your topic tailored to your instructions!
Life Insurance: The Key Points
Abstract. The ultimate aim of Insurance is without a doubt to minimize the risks involved in various aspects of life and in addition to this, to cover and compensate the owner if any loss is suffered by the owner. Insurance may be taken to cover the risks involved in life, property and business. Mainly there are two types of insurance, namely ...
PDF Essays on Health Insurance: Public Opinion and Consumer Behavior
Essays on Health Insurance: Public Opinion and Consumer Behavior. ABSTRACT. In this dissertation, I consider health insurance coverage in the United States from two perspectives. I open with a high-level analysis of trends in public opinion that underpin current political debates around health reform.
30 important and probable essay writing topics for the NIACL AO 2023
These essay topics encompass a broad spectrum of issues relevant to the insurance sector, technology, ethics, and societal challenges. Preparing for essays on these subjects will not only help in fetching better marks in the descriptive English section of the exam but also boost your chances in the NIACL AO 2023 exam.
Essay On Insurance
Table of Contents. Essay: The Crucial Role of Insurance in Safeguarding Individuals and Fostering Economic Growth. Thesis. Paragraph 1: Insurance provides financial protection. Paragraph 2: Allows individuals and businesses to take more risks. Paragraph 3: Provides stability and security. Paragraph 4: Benefits society as a whole.
120+ Healthcare argumentative essay topics [+Outline]
120+ Healthcare argumentative essay topics [+Outline] Dr. Wilson MN. August 3, 2022. Essay Topics and Ideas, Samples. If you're a nursing student, then you know how important it is to choose Great Healthcare argumentative essay topics. After all, your essay will be graded on both the content of your argument and how well you defend it.
Insurance Law: Selecting a Topic & Writing Resources
Click on publication name and select "create a publication alert" link. Set up how long wish to receive them, how often and add email address for delivery. Can also share alert with others. 2. For a specific search query (ex. select Insurance Law as practice area then run search for "drones" & liability".
Talking trends: Insurance hot topics under the spotlight
For a recent Talking Trends webinar, we invited a panel of Willis Towers Watson experts to discuss some of the hot topics that North American property & casualty (P&C) insurers will face in the next few years. Alongside the regular challenges of running a business, dealing with catastrophes and serving customers, the insurance industry has had ...
Research Questions About Insurance
What Is the Challenge of Threat Related to Long-Term Insurance? Is It Possible for an Insurance Company to Refuse to Settle a Claim? ... Elections Essay Topic Ideas & Examples. Matthew Lynch. Related articles More from author. Essay Topics. Research Topics About Drunk Driving. January 25, 2023. By Matthew Lynch.
Essay on Insurance for College Students
3. This essay sample was donated by a student to help the academic community. Papers provided by EduBirdie writers usually outdo students' samples. Cite This Essay. Download. The insurance sector is growing day by day in India but some people still feel that Life Insurance is not required for financially sound people. But, it is not the case.
All You Need to Know about Long-Term Care Insurance Essay
We will write a custom essay on your topic a custom Essay on All You Need to Know about Long-Term Care ... The long term insurance packages also contain tax benefits such that the beneficiary does not need to pay tax on the payments received (Health and Human Services Paying For Long-Term Care, 2010). Beneficiaries obtain financial coverage of ...
Long Term Care Insurance Essay
According to Edlund et al., (2003), the Long-Term Care Security Act signed in 2000 by President Clinton established the Federal Long-Term Care Insurance Program, which in 2002 offered a long-term care insurance program to federal government employees, retirees, and their family members. This type of long-term care employer assisted insurance ...
Long Term Care Insurance
Extract of sample "Long Term Care Insurance". Long Term Care Insurance The percentage of the populace made up of aged persons in the United States is anticipated to increase from 13 to 20 percent in the next few decades. The number of Americans aged 65 years and above will rise by 35% to 71 million, by 2030, encompassing of 20% of the US ...
Essay on Insurance: Top 6 Essays
2. The fundamental principle of insurance is to spread risk among a large number of people. A large number of people get insurance policies and make the payment of premium to the insurer. Whenever a loss occurs, it is compensated out of funds of the insurer. The loss is spread among a large number of policyholders. 3.
Long-Term Care Insurance
We will write a custom essay on your topic. The long-term care insurance addresses adult daycare, respite care, assisted living, home care and home nursing. It is also important to note that age cannot be taken as the main factor in the long-term health care. Various theorists argue that people obtain long-term care insurance because it is not ...
Insurance Costs Are Pushing Up Overall Inflation
Medical care insurance is also higher, though it is measured in inflation in a wonkier way, essentially by taking a look at an insurance company's earnings after it has paid out benefits. Mr. Mr.
Opinion
To understand today's manifesting culture and what it means, we need to look deeper into history — beyond the 21st century and back to the 19th, to a little-known but once extraordinarily ...
Man takes severed leg from scene of deadly Amtrak collision in Wasco
A man was arrested for allegedly taking a severed body from the scene of a collision between an Amtrak train and a person on the tracks in Kern County. The incident happened in Wasco, a city just ...
Health Insurance in the USA
EBSCO. [Library name], [City], [State abbreviation]. This essay, "Health Insurance in the USA: A Basic Necessity for the Population" is published exclusively on IvyPanda's free essay examples database. You can use it for research and reference purposes to write your own paper. However, you must cite it accordingly .

120+ Creative Insurance Project Topics For Students In 2023

What Is An Insurance Project?

Types Of Insurance Projects

1. Life Insurance Projects

2. Health Insurance Projects

3. Property and Casualty Insurance Projects

4. Commercial Insurance Projects

5. Reinsurance Projects

Importance Of Insurance Projects For Students

1. Practical Learning

2. Risk Management Skills

3. Financial Literacy

4. Problem-Solving Abilities

5. Career Opportunities

Life Insurance Project Topics

Health Insurance Project Topics

Property and Casualty Insurance Project Topics

Commercial Insurance Project Topics

Reinsurance Project Topics

Specialty Insurance Project Topics

Crop and Agriculture Insurance Project Topics

Marine and Aviation Insurance Project Topics

Environmental and Pollution Insurance Project Topics

Personal Insurance Project Topics

Legal Expenses Insurance Project Topics

Long-Term Care Insurance Project Topics

Cyber Insurance Project Topics

Essential Things That Must Be Present In A Good Insurance Project Topics

1. Relevance

2. Clear Focus

3. Research Opportunities

4. Practical Application

5. Educational Value

Challenges Face By Students In Insurance Projects

Related Posts

Step by Step Guide on The Best Way to Finance Car

The Best Way on How to Get Fund For Business to Grow it Efficiently

Essay on Insurance

100 Words Essay on Insurance

Types of Insurance

Why Insurance Matters

250 Words Essay on Insurance

How Insurance Works

Why Insurance is Important

500 Words Essay on Insurance

How Does Insurance Work?

Why Do We Need Insurance?

Choosing the Right Insurance

Insurance is a Promise

Leave a Reply Cancel reply

Essays on Insurance

Overview of The Insurance Policy of The Companies

Review of The Case of The Company Insurance Risks

Pros and Cons of Life Insurance

Compensation in Case of Animal Attack

121 Health Insurance Essay Topics

30 important and probable essay writing topics for the NIACL AO 2023 exam

Essay On Importance Of Insurance

Essay: The Crucial Role of Insurance in Safeguarding Individuals and Fostering Economic Growth

Paragraph 1: Insurance provides financial protection

Paragraph 2: Allows individuals and businesses to take more risks

Paragraph 3: Provides stability and security

Paragraph 4: Benefits society as a whole

Write Four Importance of Insurance – Safeguarding You and Your Future

What Is Importance Of Insurance to Society

Essay On Importance of Life Insurance

Benefits of Life Insurance

Emotional Comfort

Different Kinds of Life Insurance

Role in Estate Planning

Growing Your Money for the Future

Factors Affecting Premiums

What Are The 5 Importnace Of Life Insurance – Exploring Its Role & Value

Argumentative Essay About Life Insurance

The Positive Aspects of Life Insurance

Debate against life insurance

Counterarguments and Challenges

Balancing the Scales

Related Posts:

Leave a Reply Cancel reply

New Concept ? Let a subject expert write your paper for You