Principles of Risk Management and Insurance(12版)

　　1.New homeowners insurance policies. The Insurance Services Office (ISO) has introduced a 2011 edition of the homeowners insurance policies that are widely used throughout the United States. Chapters 20 and 21 discuss important changes in homeowners insurance, especially the Homeowners 3 policy.

　　2.Updated discussion of life insurance marketing. The section on life insurance marketing and distribution systems has been completely updated and substantially rewritten. Chapter 5 discusses the current distribution systems and marketing practices of life insurers.

　　3.New developments in employer-sponsored health insurance plans . Employers continue to grapple with the rapid increase in group health insurance premiums and continually seek new solutions for holding down costs. Chapter 16 discusses new developments in group health insurance to contain higher health care costs and premiums.

　　4.Impact of Affordable Care Act on Medicare. Chapter 18 discusses important provisions of the Affordable Care Act that have a direct impact on the Medicare program. These provisions are designed to control cost and make Medicare a more efficient program in protecting seniors against the risk of poor health.

　　5.New Insight boxes. The twelfth edition contains a number of new and timely Insight boxes. Insights are valuable learning tools that provide real-world applications of a concept or principle discussed in the text.

　　6.Technical accuracy. As in previous editions, numerous experts have reviewed the text for technical accuracy, especially in areas where changes occur rapidly. The twelfth edition presents technically accurate and up-to-date material.

作者簡介

George E. Rejda

　　現職：University of Nebraska