This paper examines the effects of limitations on the excludability of employerprovided health insurance from taxable income on the pricing policies of insurance companies. Concentrating on the demand side, standard analysis (e.g., Congressional Budget Office, 1994) would suggest that individuals previously purchasing above the limitation would reduce their level of coverage, while those below ...

since vehicle collision coverage, unlike what it seems, is not very profitable for insurance companies and is moving towards making losses, this paper considered the adequacy of measures and rates used by insurance companies, and intended to optimize the methods by employing more scientific approaches. in order to do so, first, the factors affecting the risk of policy holders were identified an...

Recent advances in information technology and regulatory policies have changed the way firms do business in the insurance industry. Information technology has increased insurance companies’ access to information about consumer riskiness, thereby enabling the implementation of more effective organizational strategies. For example, health insurance companies may use genetic testing technologies t...

The paper presents a simulation tool for automated interactions between insurance companies and their clients during the travel insurance buying process. Insurance deal evaluation model using price and insured risks has been developed based on the study of the Latvian insurance market. The proposed model is used together with well-known agent auction protocols, thus providing a multi-agent nego...

In addition to its primary role of providing financial protection for other industries the insurance industry also serves as a medium for fund mobilization. In spite of the harsh economic environment in Nigeria, the insurance industry has been crucial to the consummation of business plans and wealth creation.  However, the continued downturn experienced by many countries, in the last decade, se...

In this paper we study the joint ruin problem for two insurance companies that divide between them both claims and premia in some specified proportions (modeling two branches of the same insurance company or an insurance and re-insurance company). Modeling the risk processes of the insurance companies by Cramér-Lundberg processes we obtain the Laplace transform in space of the probability that ...

In this paper we study the joint ruin problem for two insurance companies that divide between them both claims and premia in some specified proportions (modeling two branches of the same insurance company or an insurance and re-insurance company). Modeling the risk processes of the insurance companies by Cramér-Lundberg processes we obtain the Laplace transform in space of the probability that ...