Property & Casualty Insurance (Core with Georgia) PDF Download
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Author:
Publisher:
ISBN: 9781629803050
Category :
Languages : en
Pages :
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Author:
Publisher:
ISBN: 9781629803050
Category :
Languages : en
Pages :
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Book Description
Author:
Publisher:
ISBN:
Category : Casualty insurance
Languages : en
Pages : 560
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Author:
Publisher:
ISBN:
Category : Casualty insurance
Languages : en
Pages : 2084
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Author:
Publisher:
ISBN:
Category : Casualty insurance
Languages : en
Pages : 2912
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Author: Benjamin Wiggins
Publisher: Oxford University Press
ISBN: 0197504019
Category : History
Languages : en
Pages : 157
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Book Description
In Calculating Race, Benjamin Wiggins analyzes the historical relationship between statistical risk assessment and race in the United States. He illustrates how, through a reliance on the variable of race, actuarial science transformed the nature of racism and helped usher racial disparities in wealth, incarceration, and housing from the nineteenth century into the twentieth. Wiggins begins by tracing how the life insurance industry utilized race in its calculations at the end of the nineteenth century, focusing particularly on Prudential and its aggressive battles with state regulators to discriminate against clients and adjust rates on the basis of race. He then turns his focus to the collection of racial statistics in the Illinois state penitentiary system in the late nineteenth century and the state's subsequent development of predictive sentencing and parole formulas in the 1920s that weighed race as a key factor. Next, he investigates the role of race in the state-sponsored mortgage insurance program of the Federal Housing Administration between the start of the New Deal and the beginning of the Cold War and its prolonged effects on mortgage lending. Wiggins concludes with an analysis of the use of race in the statistical risk assessments across financial institutions and government programs during the post-civil rights movement era, and how that practice has been transformed in the twenty-first century through "proxy" variables which stand in for the now taboo category of race. Offering readers a new perspective on the historical importance of actuarial science in structural racism, Calculating Race is a particularly timely contribution as Big Data and algorithmic decision making increasingly pervade our lives.
Author: Jay M. Feinman
Publisher: Penguin
ISBN: 1101196289
Category : Business & Economics
Languages : en
Pages : 247
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Book Description
An expose of insurance injustice and a plan for consumers and lawmakers to fight it Over the last two decades, insurance has become less of a safety net and more of a spider's web: sticky and complicated, designed to ensnare as much as to aid. Insurance companies now often try to delay payment of justified claims, deny payment altogether, and defend these actions by forcing claimants to enter litigation. Jay M. Feinman, a legal scholar and insurance expert, explains how these trends developed, how the government ought to fix the system, and what the rest of us can do to protect ourselves. He shows that the denial of valid claims is not occasional or accidental or the fault of a few bad employees. It's the result of an increasing and systematic focus on maximizing profits by major companies such as Allstate and State Farm. Citing dozens of stories of victims who were unfairly denied payment, Feinman explains how people can be more cautious when shopping for policies and what to do when pursuing a disputed claim. He also lays out a plan for the legal reforms needed to prevent future abuses. This exposé will help drive the discussion of this increasingly hot- button issue.
Author:
Publisher:
ISBN:
Category : Health insurance
Languages : en
Pages : 1344
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Author: Mark Goldburd
Publisher:
ISBN: 9780996889728
Category :
Languages : en
Pages : 106
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Author:
Publisher:
ISBN:
Category : Insurance
Languages : en
Pages : 820
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Author:
Publisher:
ISBN:
Category : Casualty insurance
Languages : en
Pages : 0
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