3/31/2012

A Practical Guide to Finite Risk Insurance and Reinsurance Review

A Practical Guide to Finite Risk Insurance and Reinsurance
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The only book on Financial Reinsurance is great to get the basic understanding of the subject matter. George Monti is deased ffrom a gun accident. you need to get this book in the hands of George Bush since it is applicable to Teoorism Insurance. See website abarileconsult.com the author of this book.

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A topical comprehensive account that deals with insurance and reinsurance arrangements covering the risk of loss including losses from financial transactions. Evaluates actual types of reinsurance agreements, clause by clause, providing detailed explanations of key terms, words and phrases along with their impact on the overall risk transfer. Describes all relevant and emerging regulatory developments in the areas of accounting, tax and securities. Includes six case studies of major, current-market financial reinsurance deals.

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3/30/2012

Winning by the Rules: Ethics and Success in the Insurance Profession Review

Winning by the Rules: Ethics and Success in the Insurance Profession
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For years, Ken Brownlee's down-to-earth and straight forward style has provided both humor and wisdom to the insurance industry in "The Iconoclast," his regular monthly column in Claims Magazine, published by The National Underwriter Company. In Winning by the Rules: Ethics and Success in the Insurance Profession he provides an comprehensive discourse on how to "play by the rules" in insurance. This book should be required reading for all insurance personnel in today's business world.

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3/29/2012

Navigating the Insurance Maze: The Therapist's Complete Guide to Working With Insurance -- And Whether You Should -- SECOND EDITION , Newly revised and updated Review

Navigating the Insurance Maze: The Therapist's Complete Guide to Working With Insurance -- And Whether You Should -- SECOND EDITION , Newly revised and updated
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This is one of the most helpful books I've read giving a step-by-step guide to access the behavioral health insurance companies. It saved me countless hours of wading through the waters of electronic voices that never give you an answer. It's a 10 in my books.
Dr. Linda Koch

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This is a must-have guide for psychotherapists in private practice who need a guide to working with insurance. Whether you've thought about accepting insurance, you work with a few plans, or would rather sell your soul than join an insurance network, this is a must-have reference. Even if you only give clients an invoice to give to their insurance plan, this easy-to-read manual will teach you what EVERY therapist should know about insurance.In an easy-to-follow and entertaining format, it explores the myths and realities of working with insurance, and answers all your questions about working with employee assistance, managed care, and traditional insurance plans.It promises to challenge what you thought you knew about insurance, and give you the knowledge to better help your clients, because what you don't know can hurt them -- or you. You'll be able to help your clients make informed choices about the risks and benefits of using insurance, and address their confidentiality concerns. At the same time you'll learn how to avoid making costly mistakes that might end up in a claim denial, and the 13 all-too-common billing practices that could jeopardize your license.Using a case example, it takes you step-by-step through every detail of working with a client's coverage, giving insider tips for dealing with insurance companies (including how to get thorough to a person with a pulse when you call). You'll find useful forms including a sample invoice, treatment agreement, appeal letter, payment tracker, and a worksheet you can use when checking benefits. You'll also get line-by-line instructions for completing the new CMS-1500 claim form most plans now require, a comprehensive glossary of insurance terms, and pages chock-full of helpful resources.Written by a therapist with 20 years experience with more than 20 insurance plans, this practical manual won't gather dust on your bookshelf -- you'll use it again and again in your practice.Topics include:Ways to accept insurance without joining provider networks,Becoming a preferred provider: What they look for,The crucial questions to ask when checking insurance,The most common errors therapists make on claims,Tips for speedy reimbursement,The difference between EAPs, HMOs, PPOs, and POS plans -- and why you should care,Must you take discounts? Can you get raises?Will your treatment be micromanaged? Can you do long-term therapy?Can you client's insurance plan ask to see your notes -- even if she submits the bill? (the answer is yes),What you need to do when both members of the couple you are seeing have insurance plans? And a self-quiz: Is accepting insurance right for you?After you read this book, you will have the answers to all of these.

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3/28/2012

2004 National Renovation & Insurance Repair Estimator (National Renovation and Insurance Repair Estimator) Review

2004 National Renovation and Insurance Repair Estimator (National Renovation and Insurance Repair Estimator)
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If you are doing any legal or claims work involving the repair of homes and need some standard to gauge costs, this is The Bible. It updates every year. I'd say you'd be safe buying a new one every other year for your office - hey, a tax deduction!

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3/27/2012

Mathematics of Interest Rates, Insurance, Social Security, and Pensions Review

Mathematics of Interest Rates, Insurance, Social Security, and Pensions
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Excellent coverage of mathematics of finance for accounting, finance, and actuary students. A literate investor would enjoy reading it also. No math beyond high school algebra required, however it goes into more depth on time-value-of-money concepts than the typical finance or accounting textbook. Contains numerous solved problems.

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This text aims to help readers become "literate” in the vocabulary of finance, insurance, and pensions and be able to utilize the appropriate mathematics for professional and personal use.This book covers a wide range of topics not found in other texts, including complex annuities, complex perpetuities, geometrically varying annuities, and bond duration and volatility.This book is a helpful reference to all professionals in the fields of accounting, finance and financial services, management, marketing services, computer information systems, and economics. It is also ideal for anyone who wants a self-study for personal finances.

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3/26/2012

Automobile Insurance Made Simple Review

Automobile Insurance Made Simple
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I have just completed reading this book and for the first time I know what coverage I have and what type of protection it provides! I took out my insurance policy and went over it step by step. What an eye opener this was. I highly recommend this book for anyone interested in knowing the truth. These guys really seem to be interested in helping others to understand their auto insurance. Not only is it simple to read, it was fun!

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"Automobile Insurance Made Simple" is a comprehensive, easy to understand consumer's guide to auto insurance. It explains the basic coverages provided by most auto insurance policies, along with simple and clear examples. The book explains how insurance companies determine how much you pay for auto insurance. Once you have this basic understanding, it's easy to see how you can save money on your auto insurance.The book contains actual rating examples and premium charges with easy-to-follow charts and graphs. It provides tips on how to shop, what discounts to look for, and how not to become a victim of insurance fraud. It explains coverages.This book is a valuable resource worth coming back to time and again. An absolute must buy if you live in New Jersey!The $20 investment you make in this book can save you hundreds of dollars in just one year, even thousands of dollars over the course of your lifetime.

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3/25/2012

The Theory of Demand for Health Insurance (Stanford Business Books) Review

The Theory of Demand for Health Insurance (Stanford Business Books)
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Down-grading moral hazard by compartmentalizing it so as to examine each piece is interesting but I am not sure that this is correct. This book ought to be read simply because it presents a different point of view. At times, however, the math is all backwards in terms of constraints and objective functions. Possibly this leads to the confusion?

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Why do people buy health insurance?Conventional theory holds that people purchase insurance because they prefer the certainty of paying a small premium to the risk of getting sick and paying a large medical bill.Conventional theory also holds that any additional health care that consumers purchase because they have insurance is not worth the cost of producing it.Therefore, economists have promoted policies-copayments and managed care-to reduce consumption of this additional, seemingly low-value care.This book presents a new theory of consumer demand for health insurance.It holds that people purchase insurance to obtain additional income when they become ill.In effect, insurance companies act to transfer insurance premiums from those who remain healthy to those who become ill.This additional income generates purchases of additional high-value care, often allowing sick persons to obtain life-saving care that they could not otherwise afford. Regarding risk, the new theory relies on empirical studies showing that consumers actually prefer the risk of a large loss to incurring a smaller loss with certainty.Therefore, if consumers purchase insurance, it is not because they desire to avoid risk.Instead, the new theory suggests consumers simply pay a premium when healthy in exchange for a claim on additional income (effected when insurance pays for the medical care) if they become ill.Health insurance is substantially more valuable to the consumer under the new theory.The new theory moreover implies that copayments and managed care-central health policies of the last 30 years-were directed at solving problems that largely did not exist.Because these policies either reduced the amount of income transferred to ill persons or limited access to valuable health care, they may have done more harm than good.The new theory also provides a solid theoretical justification for insuring the uninsured and for implementing national health insurance.

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3/24/2012

Personal Finance for Seniors : What the IRS, Banks, and Insurance Companies Don't Want You to Know Review

Personal Finance for Seniors : What the IRS, Banks, and Insurance Companies Don't Want You to Know
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Book is OK but kind of like closing the gate after the horses have escaped....(I am a Senior and this information would have been better known if I had had it years ago.)

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This easy-to-understand financial guide provides esssential information to help older people--or anyone--mazimize their money and protect their assets.

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3/23/2012

Internet Marketing for Insurance Agents: Advertising Your Insurance Agency Online Using a Website, Google, Facebook, YouTube, Angie's List, LinkedIn, Search Engine Optimization (SEO), and More Review

Internet Marketing for Insurance Agents: Advertising Your Insurance Agency Online Using a Website, Google, Facebook, YouTube, Angie's List, LinkedIn, Search Engine Optimization (SEO), and More
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Insurance is the way to go people. This book enabled me to share with others what insurance can do for you. The web is the future and because I'm not technologically inclined, I haven't been able to bring the business to "the next level". This book broke everything down for me, made it really easy to follow steps, and stuck with the main purpose ... to make money without losing it.
The description says what it does - there isn't anything hidden. Best buy in a long time and worth the investment.

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Internet Marketing for Insurance Agents will show you how to profit from the revolution in local internet marketing that is happening right now.This book doesn't hide behind platitudes and boilerplate marketing truisms.It gets down in the trenches with you and shows you how to strengthen your firm's bottom line through highly effective internet marketing.One click at a time.

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3/22/2012

The Jeweler's Guide to Effective Insurance Appraising Review

The Jeweler's Guide to Effective Insurance Appraising
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Ralph Joseph has catured the essence of the challenges and solutions inherent in professional jewelry appraising for insurance. Written in an easy to read style and sprinkled with amusing anecdotes from his professional experience, this book dispenses sound information in a stimulating and entertaining format. G.E. Sherman, GG, ISA-CAPP

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3/21/2012

Workbook to Accompany Understanding Health Insurance: A Guide to Billing and Reimbursement Review

Workbook to Accompany Understanding Health Insurance: A Guide to Billing and Reimbursement
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Unfortunately this book was the 8th edition and I needed the 10th edition.It took so long to get it too.

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The restructured chapter content of the workbook offers application-based assignments with more critical thinking components. The assignments require learners to demonstrate an understanding of the content rather than simple recall of facts. Chapter 1 provides guidelines for professional development as well as initiating a job search, with numerous resources identified.Chapters 2-17 offer an in-depth review of health insurance billing and reimbursement concepts.

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3/20/2012

Life and Health Insurance Law , Loma Edition Review

Life and Health Insurance Law , Loma Edition
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This book is the third level (not including ACS) in obtaining your FLMI designation. Of the LOMA books I have studied, this has been the easiest reading. The case studies in the book were easy to understand. This book is well written and very interesting. If studied/read all the way through, you will receive a vast knowledge of insurance and how federal/state laws play a part in the insurance world.

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This text presents the major principles of life and health insurance law in a manner that will allow students without legal training to readily understand them. The purpose of this text is to educate students to recognize legal problems so that they can seek advice from legal counsel. The LOMA edition will be the only version of Crawford that we offer. If universities are interested in using this version, we will need to work with the Custom Publishing Department to have the cover of the text altered. The textual information can be utilized as it is. New material concerns court oversight of lawyers, market conduct, the new NAIC Life Insurance Illustrations Model Regulation, genetic information, the constitutionality of punitive damages, state statutes limiting punitive damages, the Federal Health Insurance Portability and Accountability Act of 1996, minimum premium plans, self-funded plans, stop-loss contracts, managed care organizations, utilization review, case management, health care fraud, the NAIC Model Variable Contract Law, qualified assignments of liability, Internet advertising, race discrimination, and age discrimination.Discussions of laws that have been repealed, reversed, or overruled, have, of course, been deleted from this edition.

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3/19/2012

Smith, Currie & Hancock's Common Sense Construction Law: A Practical Guide for the Construction Professional Review

Smith, Currie and Hancock's Common Sense Construction Law: A Practical Guide for the Construction Professional
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This publication is concise and easy to read. The approximately 400 pages are written in layman's terms that allow for quicker reading and affords a general understanding of the various issues involved in a construction project. However, the footnotes direct the reader to legal sources that provide a substantive basis for the points addressed. The book can easily be read in 1-2 days. The Index serves as an excellent "search engine" for quick reference. The only items lacking were forms.

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Be prepared with the bestselling guide to the laws that govern construction
Knowledge of construction law and employment law is essential to running a successful construction business. This Fourth Edition of the bestselling Smith, Currie & Hancock's Common Sense Construction Law provides a practical introduction to the significant legal topics and questions affecting construction industry professionals. Like its popular previous editions, this Fourth Edition translates the sometimes-confusing theories, principles, and established rules that regulate the business into clear, lay-person's English.
This new edition updates the comprehensive scope of its predecessors with:

Coverage of the newly issued and recently revised industry-standard contract documents produced by the AIA, ConsensusDOCS, and EJCDC for 2007/2008

A CD featuring sample contracts and documents from AIA, ConsensusDOCS, and EJCDC that familiarizes readers with these important documents, and aids in understanding document citations in the book

Improved pedagogical tools and instructor support material for use in the classroom

The most up-to-date and thorough guide to a sometimes intimidating but critical aspect of the practice of construction, Smith, Currie & Hancock's Common Sense Construction Law, Fourth Edition gives industry professionals the knowledge they need to avoid legal surprises and gain a competitive advantage.

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3/17/2012

Making Security Social: Disability, Insurance, and the Birth of the Social Entitlement State in Germany (Social History, Popular Culture, and Politics in Germany) Review

Making Security Social: Disability, Insurance, and the Birth of the Social Entitlement State in Germany (Social History, Popular Culture, and Politics in Germany)
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Much discussion about the birth of social insurance in Germany deals with the politics of it. This book discusses the actual implementation. The original Bismarkian social insurance system, while it clearly laid the groundwork for modern social insurance, differs greatly from contemporary programs, with their emphasis on age qualification. There was less focus on age per se and more on inability to work (although it seems the elderly were generally able to qualify for by meeting the definition of invalidity). One must also marvel at the elaborate screening bureacracy that was created to certify a potential beneficiary's worthiness. For anyone interested in the nuts and bolts and pratical history of early social insurance programs, this is a great book.

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While welfare has been subject to pronounced criticism throughout the twentieth century, social insurance has consistently enjoyed the overwhelming support of European policy makers and citizens. This volume argues that the emergence of social insurance represents a paradigmatic shift in modern understandings of health, work, political participation, and government. By institutionalizing compensation, social insurance transformed it into a right that the employed population quickly came to assume.

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3/16/2012

Financial Risk Analytics : A Term Structure Model Approach for Banking, Insurance & Investment Management Review

Financial Risk Analytics : A Term Structure Model Approach for Banking, Insurance and Investment Management
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Although not easy reading this book should be a must for any banker or banker to be.The authors' approach to a term structure model is the most solid analysis of profitability planning in the banking industry. In bringing this approach van Deventer & Imai present a well written primer that leads the reader through fixed income mathematics, yield curve smoothing, duration, convexity, term structure models, risk-neutral instruments, derivatives, advanced hedging & risk measument techniques.This book requires some quantitative skills or great perseverance. Being past this hurdle any reader will find the authors approach an excellent contribution to the banking industry on its march towards Risk-adjusted Return on Capital

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Financial Risk Analytics is the first book written by experienced risk managers that is designed to explain, in comprehensive yet understandable terminology, the analytics of interest rate risk, credit risk, foreign exchange risk and capital allocation from A to Z. Risk management experts Donald R. van Deventer and Kenji Imai show in a very practical, concrete way how the term structure models used to price interest rate derivatives can be used to hedge all common products in banking, insurance and investment management, allowing the same risk management approach for an entire institution that is normally taken for a derivatives portfolio alone.

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3/15/2012

Falling Through the Safety Net: Americans without Health Insurance Review

Falling Through the Safety Net: Americans without Health Insurance
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This is a great introductory book to the subject of universal health care (UHC) in general and the struggle for UHC in the USA. It will also serve well as a basic references on the subject for someone already well-informed but wishing specific numerous references. It is well-written and highly accessible to almost any interested party (not at all limited to experts or academics).
The one caveat is that Dr. Geyman's chapter on the "Right to Health Care" is misinformed, shallow and (therefore) dismissive of the topic. The book would have been much better had he left that chapter out. Having added it and then failing to do any serious study or responsible consideration of human rights law generally, social-economic rights law, or of similar civil rights laws, he did the entire book (otherwise excellent) a terrible disservice in that one chapter.

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In this stunning mixture of real life stories and cold-eyed analysis, Geyman brings you close up to the perils faced by every American. With nearly all Americans facing a lack of health insurance at some point, this is a book for you."Dr. John Geyman's Falling Through the Safety Net provides a brilliant road map to this nation's patchwork of medical coverage for the uninsured. As a practitioner, teacher, and medical leader, Geyman has learned his way around the safety net first hand. Powerful reading for all."-Fitzhugh Mullan, MD, author, Big Doctoring in America: Profiles in Primary Care."Once again, the legendary master of family medicine -addresses with clinical compassion the widespread concerns about "unsurance" and uncovered medical costs."-Donald Light, Professor of comparative health care -systems, Princeton UniversityTo those who would take the Alfred E. Newman stance toward health insurance (What me worry, I'm healthy!), Geyman delivers some sobering statistics:Eighty percent of the uninsured live in working families;Sixty-seven million Americans are uninsured for at least one month in a twenty-eight month period;One in five workers cannot afford insurance when offered by employers;Even in families with two full-time wage earners, ten percent are uninsured.Those who lack insurance face poor health care and increased risk of bad outcomes. The answer, argues Dr. Geyman, is one the majority of Americans already want: single payer health insurance. This is the book for those who no longer want this problem to be as American as apple pie. John Geyman, M.D., is professor emeritus of Family -Medicine at the University of Washington, and editor of the Journal of the American Board of Family Practice.

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