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Modernizing Insurance Regulation

Author: John H. Biggs

Publisher: John Wiley & Sons

Published: 2014-03-25

Total Pages: 304

ISBN-13: 1118758846

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The future of the insurance regulation begins now For those involved with the insurance industry, from investmentprofessionals to policy makers, and regulators to legislators,tremendous change is coming. With insurance premiums constitutingan ever-growing portion of annual U.S. GDP and provisions of theDodd-Frank Act specifically calling for modernization of insuranceregulations, the issues at hand are pervasive. In ModernizingInsurance Regulation, these issues are described against abackdrop of the political and industry discussions that surroundinsurance, regulation, and systemic risk. Experts Viral V. Acharyaand Matthew Richardson discuss a variety of issues with topthinkers in the fields of finance, derivatives, credit risk, andbanking to bring to light the most germane elements of this ongoingdiscussion. In Modernizing Insurance Regulation, Acharya andRichardson call on the expertise of all the relevant stakeholderswithin government, academia, and industry to offer a well-roundedand independent view of insurance regulation and how the evolutionof this key industry affects the U.S. economy now and in thefuture. Provides an overview of the feasibility of maintaining astate-level regulatory structure Offers a view of the issues from top academics, industryleaders, and state regulators Explores the debate surrounding the insurance industry andsystemic risk Provides an in-depth look at upcoming changes under theDodd-Frank Act Modernizing Insurance Regulation provides a look into thecrucial changes coming to insurance regulation and an overview ofhow those changes will affect almost everyone.

Book Synopsis Modernizing Insurance Regulation by : John H. Biggs

Download or read book Modernizing Insurance Regulation written by John H. Biggs and published by John Wiley & Sons. This book was released on 2014-03-25 with total page 304 pages. Available in PDF, EPUB and Kindle. Book excerpt: The future of the insurance regulation begins now For those involved with the insurance industry, from investmentprofessionals to policy makers, and regulators to legislators,tremendous change is coming. With insurance premiums constitutingan ever-growing portion of annual U.S. GDP and provisions of theDodd-Frank Act specifically calling for modernization of insuranceregulations, the issues at hand are pervasive. In ModernizingInsurance Regulation, these issues are described against abackdrop of the political and industry discussions that surroundinsurance, regulation, and systemic risk. Experts Viral V. Acharyaand Matthew Richardson discuss a variety of issues with topthinkers in the fields of finance, derivatives, credit risk, andbanking to bring to light the most germane elements of this ongoingdiscussion. In Modernizing Insurance Regulation, Acharya andRichardson call on the expertise of all the relevant stakeholderswithin government, academia, and industry to offer a well-roundedand independent view of insurance regulation and how the evolutionof this key industry affects the U.S. economy now and in thefuture. Provides an overview of the feasibility of maintaining astate-level regulatory structure Offers a view of the issues from top academics, industryleaders, and state regulators Explores the debate surrounding the insurance industry andsystemic risk Provides an in-depth look at upcoming changes under theDodd-Frank Act Modernizing Insurance Regulation provides a look into thecrucial changes coming to insurance regulation and an overview ofhow those changes will affect almost everyone.

Insurance Operations, Regulation, and Statutory Accounting

Author: Ann E. Myhr

Publisher: Insurance Institute of America

Published: 2003

Total Pages: 670

ISBN-13:

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Textbook for students of insurance that examines types of insurers, regulation, marketing, the underwriting process, ratemaking, claims adjusting, reinsurance, financial management, and strategic management.

Book Synopsis Insurance Operations, Regulation, and Statutory Accounting by : Ann E. Myhr

Download or read book Insurance Operations, Regulation, and Statutory Accounting written by Ann E. Myhr and published by Insurance Institute of America. This book was released on 2003 with total page 670 pages. Available in PDF, EPUB and Kindle. Book excerpt: Textbook for students of insurance that examines types of insurers, regulation, marketing, the underwriting process, ratemaking, claims adjusting, reinsurance, financial management, and strategic management.

Transparency in Insurance Regulation and Supervisory Law

Author: Pierpaolo Marano

Publisher: Springer Nature

Published: 2021-03-30

Total Pages: 617

ISBN-13: 3030636216

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This volume focuses on transparency as the guiding principle for insurance regulation and supervisory law. All chapters were written by experts in their respective fields, who address transparency in a wide range of European and non-European jurisdictions. Each chapter reviews the transparency principles applicable in the jurisdiction discussed. While the European jurisdictions reflect different facets of the principle as emerging from EU law on insurance, the principle has developed quite differently in other jurisdictions.

Book Synopsis Transparency in Insurance Regulation and Supervisory Law by : Pierpaolo Marano

Download or read book Transparency in Insurance Regulation and Supervisory Law written by Pierpaolo Marano and published by Springer Nature. This book was released on 2021-03-30 with total page 617 pages. Available in PDF, EPUB and Kindle. Book excerpt: This volume focuses on transparency as the guiding principle for insurance regulation and supervisory law. All chapters were written by experts in their respective fields, who address transparency in a wide range of European and non-European jurisdictions. Each chapter reviews the transparency principles applicable in the jurisdiction discussed. While the European jurisdictions reflect different facets of the principle as emerging from EU law on insurance, the principle has developed quite differently in other jurisdictions.

Insurance Law and Regulation

Author: Kenneth S. Abraham

Publisher:

Published: 2015

Total Pages: 0

ISBN-13: 9781609304010

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This casebook, which has been used as the principal text in more than one hundred law schools, contains extensive material on insurance contract formation and interpretation; insurance regulation; insurable interest and liability for bad-faith breach; property, health, life, and disability insurance; commercial general liability and directors & officers liability insurance; auto insurance; and reinsurance. The casebook gives equal emphasis to personal and commercial insurance, and reprints within the relevant chapters four standard-form insurance policies. There is new material on the interpretation of ambiguities, insurance regulation, the Affordable Care Act, directors & officers insurance, and excess coverage.

Book Synopsis Insurance Law and Regulation by : Kenneth S. Abraham

Download or read book Insurance Law and Regulation written by Kenneth S. Abraham and published by . This book was released on 2015 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: This casebook, which has been used as the principal text in more than one hundred law schools, contains extensive material on insurance contract formation and interpretation; insurance regulation; insurable interest and liability for bad-faith breach; property, health, life, and disability insurance; commercial general liability and directors & officers liability insurance; auto insurance; and reinsurance. The casebook gives equal emphasis to personal and commercial insurance, and reprints within the relevant chapters four standard-form insurance policies. There is new material on the interpretation of ambiguities, insurance regulation, the Affordable Care Act, directors & officers insurance, and excess coverage.

The Future of Insurance Regulation in the United States

Author: Martin F. Grace

Publisher: Rowman & Littlefield

Published: 2009-12-01

Total Pages: 244

ISBN-13: 0815703864

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A Brookings Institution Press and Georgia State University publication Important changes have buffeted the insurance industry over the past decade. The 1999 repeal of key provisions of the Glass-Steagall Act unleashed a wave of conglomeration in financial services, as bank holding companies acquired insurance and securities businesses and, to a much lesser degree, insurance companies acquired securities firms and banks. Rivalry within the sector has intensified: insurance companies have developed products that compete directly with the offerings of banks and securities firms and vice versa. In addition, the industry has become increasingly global. Against this backdrop, pressure has been building for fundamental changes to the structure of insurance regulation in the United States. Despite several court challenges over the years, insurance continues to be regulated by the states. Many insurance companies view state regulation as an increasing drag on their efficiency and competitiveness and support a federal regulatory system. However, powerful stakeholders, including state officials, state and regional insurance companies, and many insurance agents, oppose federal regulation. As a result, proposals to establish an optional federal charter (OFC) for insurance companies and agents remain mired in fierce debate. The Future of Insurance Regulation in the United States gathers some of the country's leading experts on financial regulation to assess the case for an enhanced federal role in the insurance sector. They pay particular attention to the merits of an OFC and how it might be designed. They also consider the principles that should guide insurance regulatory policies, regardless of the institutional framework, and examine the implications of financial convergence and the internationalization of insurance markets for an optimal regulatory structure. The debate over insurance regulation has only grown in complexity and intensity since the financial crisis began in the fall of 2008. This book will both inform and help to shape those critical discussions. Contributors: John A. Cooke (International Financial Services London), Robert Detlefsen (National Association of Mutual Insurance Companies), Martin F. Grace (Georgia State University), Robert W. Klein (Georgia State University), Robert E. Litan (Ewing Marion Kauffman Foundation and Brookings Institution), Phil O’Connor (PROactive Strategies), Hal S. Scott (Harvard Law School), Harold D. Skipper (Georgia State University), Peter J. Wallison (American Enterprise Institute).

Book Synopsis The Future of Insurance Regulation in the United States by : Martin F. Grace

Download or read book The Future of Insurance Regulation in the United States written by Martin F. Grace and published by Rowman & Littlefield. This book was released on 2009-12-01 with total page 244 pages. Available in PDF, EPUB and Kindle. Book excerpt: A Brookings Institution Press and Georgia State University publication Important changes have buffeted the insurance industry over the past decade. The 1999 repeal of key provisions of the Glass-Steagall Act unleashed a wave of conglomeration in financial services, as bank holding companies acquired insurance and securities businesses and, to a much lesser degree, insurance companies acquired securities firms and banks. Rivalry within the sector has intensified: insurance companies have developed products that compete directly with the offerings of banks and securities firms and vice versa. In addition, the industry has become increasingly global. Against this backdrop, pressure has been building for fundamental changes to the structure of insurance regulation in the United States. Despite several court challenges over the years, insurance continues to be regulated by the states. Many insurance companies view state regulation as an increasing drag on their efficiency and competitiveness and support a federal regulatory system. However, powerful stakeholders, including state officials, state and regional insurance companies, and many insurance agents, oppose federal regulation. As a result, proposals to establish an optional federal charter (OFC) for insurance companies and agents remain mired in fierce debate. The Future of Insurance Regulation in the United States gathers some of the country's leading experts on financial regulation to assess the case for an enhanced federal role in the insurance sector. They pay particular attention to the merits of an OFC and how it might be designed. They also consider the principles that should guide insurance regulatory policies, regardless of the institutional framework, and examine the implications of financial convergence and the internationalization of insurance markets for an optimal regulatory structure. The debate over insurance regulation has only grown in complexity and intensity since the financial crisis began in the fall of 2008. This book will both inform and help to shape those critical discussions. Contributors: John A. Cooke (International Financial Services London), Robert Detlefsen (National Association of Mutual Insurance Companies), Martin F. Grace (Georgia State University), Robert W. Klein (Georgia State University), Robert E. Litan (Ewing Marion Kauffman Foundation and Brookings Institution), Phil O’Connor (PROactive Strategies), Hal S. Scott (Harvard Law School), Harold D. Skipper (Georgia State University), Peter J. Wallison (American Enterprise Institute).

U.S. Insurance Regulation

Author: Richard G. Liskov

Publisher: Edward Elgar Publishing

Published: 2023-11-03

Total Pages: 141

ISBN-13: 1035314797

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Offering an innovative and experience-based perspective, Richard G. Liskov’s erudite treatise provides a comprehensive overview of the basic principles and procedures for how state insurance regulators in the US supervise a crucial sector of the economy. The book not only explores the theoretical dimensions of insurance regulation, but also presents practical insights and guidance for dealing with the main US insurance regulatory issues.

Book Synopsis U.S. Insurance Regulation by : Richard G. Liskov

Download or read book U.S. Insurance Regulation written by Richard G. Liskov and published by Edward Elgar Publishing. This book was released on 2023-11-03 with total page 141 pages. Available in PDF, EPUB and Kindle. Book excerpt: Offering an innovative and experience-based perspective, Richard G. Liskov’s erudite treatise provides a comprehensive overview of the basic principles and procedures for how state insurance regulators in the US supervise a crucial sector of the economy. The book not only explores the theoretical dimensions of insurance regulation, but also presents practical insights and guidance for dealing with the main US insurance regulatory issues.

The Political Economy of Regulation

Author: Kenneth J. Meier

Publisher: SUNY Press

Published: 1988-01-01

Total Pages: 252

ISBN-13: 9780887067310

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This is the first comprehensive study of the history, politics, and economics of the insurance industry in the United States. It is designed as a theoretical challenge to the conventional wisdom in political economy which says that regulation benefits the regulated. In fact, Meier shows that because the insurance industry is far too divided to impose its will on the regulatory system, the political economy of regulation is actually the product of a complex interaction of industry interests, consumer groups, insurance regulations, and political elites. Using both historical and quantitative approaches, the author examines a variety of insurance issues including the development of insurance regulation; the impact of regulation on the availability and price of insurance; the stringency of state regulation; and the product liability insurance crisis of 1985-86. The book concludes with a series of recommendations for reforming the regulation of insurance.

Book Synopsis The Political Economy of Regulation by : Kenneth J. Meier

Download or read book The Political Economy of Regulation written by Kenneth J. Meier and published by SUNY Press. This book was released on 1988-01-01 with total page 252 pages. Available in PDF, EPUB and Kindle. Book excerpt: This is the first comprehensive study of the history, politics, and economics of the insurance industry in the United States. It is designed as a theoretical challenge to the conventional wisdom in political economy which says that regulation benefits the regulated. In fact, Meier shows that because the insurance industry is far too divided to impose its will on the regulatory system, the political economy of regulation is actually the product of a complex interaction of industry interests, consumer groups, insurance regulations, and political elites. Using both historical and quantitative approaches, the author examines a variety of insurance issues including the development of insurance regulation; the impact of regulation on the availability and price of insurance; the stringency of state regulation; and the product liability insurance crisis of 1985-86. The book concludes with a series of recommendations for reforming the regulation of insurance.

Insurance Regulation

Author: United States. General Accounting Office

Publisher:

Published: 1992

Total Pages: 44

ISBN-13:

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Book Synopsis Insurance Regulation by : United States. General Accounting Office

Download or read book Insurance Regulation written by United States. General Accounting Office and published by . This book was released on 1992 with total page 44 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Risk Adjustment, Risk Sharing and Premium Regulation in Health Insurance Markets

Author: Thomas G. McGuire

Publisher: Academic Press

Published: 2018-08-06

Total Pages: 648

ISBN-13: 012811326X

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Risk Adjustment, Risk Sharing and Premium Regulation in Health Insurance Markets: Theory and Practice describes the goals, design and evaluation of health plan payment systems. Part I contains 5 chapters discussing the role of health plan payment in regulated health insurance markets, key aspects of payment design (i.e. risk adjustment, risk sharing and premium regulation), and evaluation methods using administrative data on medical spending. Part II contains 14 chapters describing the health plan payment system in 14 countries and sectors around the world, including Australia, Belgium, Chile, China, Columbia, Germany, Ireland, Israel, the Netherlands, Russia, Switzerland and the United States. Authors discuss the evolution of these payment schemes, along with ongoing reforms and key lessons on the design of health plan payment. Provides a conceptual toolkit that describes the goals, design and evaluation of health plan payment systems in the context of policy paradigms, such as efficiency, affordability, fairness and avoidance of risk selection Brings together international experience from many different countries that apply regulated competition in different ways Delivers a practical toolkit for the evaluation of health plan payment modalities from the standpoint of efficiency and fairness

Book Synopsis Risk Adjustment, Risk Sharing and Premium Regulation in Health Insurance Markets by : Thomas G. McGuire

Download or read book Risk Adjustment, Risk Sharing and Premium Regulation in Health Insurance Markets written by Thomas G. McGuire and published by Academic Press. This book was released on 2018-08-06 with total page 648 pages. Available in PDF, EPUB and Kindle. Book excerpt: Risk Adjustment, Risk Sharing and Premium Regulation in Health Insurance Markets: Theory and Practice describes the goals, design and evaluation of health plan payment systems. Part I contains 5 chapters discussing the role of health plan payment in regulated health insurance markets, key aspects of payment design (i.e. risk adjustment, risk sharing and premium regulation), and evaluation methods using administrative data on medical spending. Part II contains 14 chapters describing the health plan payment system in 14 countries and sectors around the world, including Australia, Belgium, Chile, China, Columbia, Germany, Ireland, Israel, the Netherlands, Russia, Switzerland and the United States. Authors discuss the evolution of these payment schemes, along with ongoing reforms and key lessons on the design of health plan payment. Provides a conceptual toolkit that describes the goals, design and evaluation of health plan payment systems in the context of policy paradigms, such as efficiency, affordability, fairness and avoidance of risk selection Brings together international experience from many different countries that apply regulated competition in different ways Delivers a practical toolkit for the evaluation of health plan payment modalities from the standpoint of efficiency and fairness

Legislative Trends in Insurance Regulation

Author: Douglas Caddy

Publisher: Texas A&M University Press

Published: 1986

Total Pages: 264

ISBN-13:

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For many years the American insurance industry, sometimes dubbed the nation's "invisible banker," has enjoyed virtual freedom from federal antitrust regulation and protection from competition with banks and savings and loan associations. State regulation has often proved meaningless. Now, however, as the valuable study makes clear, the complacencies of the past are quickly vanishing, to be replaced by a growing consumer demand for accountability. Such issues as bank deregulation and unisex insurance have forced insurance companies to rethink many of their traditional approaches in order to satisfy consumers and to survive in a harsh economy. In nontechnical language, Douglas Caddy offers an analysis of the major legislative and regulatory trends affecting the insurance industry. Government regulation, he points out, has steadily increased in many American industries, leading to claims that such agencies as the ICC, the CAB, and OSHA have seriously impaired competition and have penalized the consumer. In the end, according to this view, the watchdogs have merely served the groups they were designed to regulate. The growing challenge to government controls has deeply affected the insurance industry and promises to mold state and federal legislation concerning regulation. Issues already pending include changes in the tax code and reforms in rate regulation. Other reformers, as Caddy describes, urge insurance companies to provide consumers with simple disclosure statements detailing the contents of each policy. This book, aimed at insurance executives, lobbyists, and lawyers, but also of interest to concerned laymen, is an excellent introduction to the perplexities facing once of America's most powerful industries. It is sure to be a timely and comprehensive look at insurance in an era of consumerism.

Book Synopsis Legislative Trends in Insurance Regulation by : Douglas Caddy

Download or read book Legislative Trends in Insurance Regulation written by Douglas Caddy and published by Texas A&M University Press. This book was released on 1986 with total page 264 pages. Available in PDF, EPUB and Kindle. Book excerpt: For many years the American insurance industry, sometimes dubbed the nation's "invisible banker," has enjoyed virtual freedom from federal antitrust regulation and protection from competition with banks and savings and loan associations. State regulation has often proved meaningless. Now, however, as the valuable study makes clear, the complacencies of the past are quickly vanishing, to be replaced by a growing consumer demand for accountability. Such issues as bank deregulation and unisex insurance have forced insurance companies to rethink many of their traditional approaches in order to satisfy consumers and to survive in a harsh economy. In nontechnical language, Douglas Caddy offers an analysis of the major legislative and regulatory trends affecting the insurance industry. Government regulation, he points out, has steadily increased in many American industries, leading to claims that such agencies as the ICC, the CAB, and OSHA have seriously impaired competition and have penalized the consumer. In the end, according to this view, the watchdogs have merely served the groups they were designed to regulate. The growing challenge to government controls has deeply affected the insurance industry and promises to mold state and federal legislation concerning regulation. Issues already pending include changes in the tax code and reforms in rate regulation. Other reformers, as Caddy describes, urge insurance companies to provide consumers with simple disclosure statements detailing the contents of each policy. This book, aimed at insurance executives, lobbyists, and lawyers, but also of interest to concerned laymen, is an excellent introduction to the perplexities facing once of America's most powerful industries. It is sure to be a timely and comprehensive look at insurance in an era of consumerism.