Fundamental Quote Of Insurance Policies
1-Risk-A tutorial about risk and insurance.
2-Risk,Perils,And Hazards.
3- Handling Risk.
4- Insurance;Insurance Risk ; Underwriting And Adverse Selection-A tutorial about the basics of insurance companies, underwriting and adverse selection,and what constitutes and insurable risk.
5-Legal liability and Negligence
6-Law of Large Numbers: Using the law of large number to determine underwriting risk and insurance premium.
6-Indemnity: How property insurance pays for losses.
7-Insurable interest: What constitutes an insurable interest , and when must it exist.
8-Subrogation.
9- Utmost Good Faith-Representations,Concealment's, And Warranties-Why honesty is the best policy in insurance.
10-Insurance Contract.
11-Insurance Deductible- The different types of deductibles and how they reduce insurance premiums.
12-
Coinsurance-How coinsurance reduce health insurance premiums,and equalizes rates for property insurance.
12-Multiple insurance Coverage: Pro Ra-ta Liability,Contribution of Equal shares, and primary and Excess insurance-What determines ho much each insurance policy pays when multiple policies cover the same loss.
Credit-Based Insurance Scores- How and why personal credit scores affect insurance rates.
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