The health insurance market: lessons on the conflict between equivalence and solidarity

Includes bibliography

Resolución 12: Precios agrícolas y otras medidas = Resolution 12: Agricultural prices and crop insurance = Résolution 12: Prix agricoles et assurance des récoltes

El símbolo E/840/Rev.1 corresponde a la edición bilingüe inglés/francés publicada en 1953

Development and legal aspects of general insurance in the Caribbean with special reference to the OECS countries

Examina y analiza los principales asuntos legales relacionados al desarrollo y operación de las compañías de seguros generales en el Caribe, con especial referencia a los países de la Organización de Estados del Caribe Oriental.

Captive insurance companies in the Caribbean: an analysis

Includes bibliography

Efeitos do strike das estruturas geológicas de duas dimensões nas pseudos-seções de IP resistividade

Os levantamentos de IP-resistividade efetuados na Serra dos Carajás não foram executados ortogonalmente às estruturas geológicas, pois utilizaram linhas anteriormente abertas pelas equipes de geoquímica. Este fato motivou este estudo teórico da influência da direção das linhas de medidas de IP-resistividade em relação ao "strike" da estrutura. Foi usado o programa de elementos finitos de Rijo (1977), desenvolvido para levantamentos perpendiculares às estruturas com as adaptações necessárias. A modificação principal foi na rotina de transformação inversa de Fourier. Para o caso simples dos levantamentos perpendiculares, a transformada inversa é uma integral discreta com apenas sete pontos. No entanto, para as medidas obliquas, o integrando é oscilatório, e portanto, a integral a ser calculada é mais complexa. Foi adaptado um método apresentado por Ting e Luke (1981), usando dezoito pontos em cada integração. Foi constatado que o efeito da direção da linha em relação ao "strike" é desprezível para ângulos maiores que 60 graus. Para ângulos menores, o efeito consiste no alongamento da anomalia, com pequenas alterações em seu centro. Não há uma maneira simples de compensar este efeito com mudanças nos parâmetros do modelo.

RP93-395 Liability Insurance and the Family Child Care Provider

Life other small business owners, family child care providers need adequate life, health, and disability insurance to protect their families from the loss of their income. However, child care providers also face unique risks. Perhaps the most important of these risks is the financial loss that would result if the provider were found liable or responsible for the injury or death of a child or a child's parent. If a claim were filed against you as a provider, three different types of financial losses are possible: medical expenses, damages awarded to the victim or his/her family after a lawsuit, and court costs related to your defense. This booklet will help you to: (1) evaluate options for insuring a family child care operation, and (2) evaluate available liability insurance policies.

INSURANCE

We have been working with exterminators on the insurance problems for thirty-five or so years. Recently PCO’s have been doing much in the way of bird control. There does not seem to be anyone that we know of who does strictly bird control insurance, so our group always ties it in with our pest control. I feel that nothing touches everyone so regularly, with the exception of the federal government, as your insurance premiums. I would like to discuss with you the causes and results of accidents and how they can effect insurance premiums.

EFFECTS OF A BIRD HAZARD REDUCTION FORCE ON REDUCING BIRD/AIRCRAFT STRIKE HAZARDS AT THE ATLANTIC CITY INTERNATIONAL AIRPORT, NJ

Bird-aircraft strikes at the Atlantic City International Airport (ACY) increased from 18 in 1989 to 37 in 1990. The number of bird-aircraft strikes involving gulls (Larus spp.) during this time rose from 6 to 27, a 350% increase. The predominant species involved in bird strikes was the laughing gull (L. atricilla). Pursuant to an interagency agreement between the U.S. Department of Transportation (USDOT), Federal Aviation Administration (FAA) and the U.S. Department of Agriculture (USDA)l Animal and Plant Health Inspection Service (APHIS)/Animal Damage Control (ADC), ADC established a Emergency/Experimental Bird Hazard Reduction Force (BHFF) at ACY in 1991. An Environmental Assessment (EA) and Finding of No Significant Impact (FONSI) for the 1991 Emergency/Experimental BHRF was executed and signed by the FAA on 19 May 1991. The BHRF was adopted at this time by the FAA Technical Center as an annual program to reduce bird strikes at ACY. The BHRF goals are to minimize or eliminate the incidence of bird-aircraft strikes and runway closures due to increased bird activities. A BHRF team consisting of ADC personnel patrolled ACY for 95 days from 26 May until 28 August 1992, for a total of 2,949 person-hours. The BHRF used a combination of pyrotechnics, amplified gull distress tapes and live ammunition to harass gulls away from the airport from dawn to dusk. Gullaircraft strikes were reduced during BHRF operations in 1992 by 86% compared to gull strikes during summer months of 1990 when there was not a BHRF team. Runway closures due to bird activity decreased 100% compared to 1990 and 1991 closures. The BHRF should continue at ACY as long as birds are a threat to human safety and aircraft operations.

ENHANCEMENT OF THE FAA’s ON-LINE WILDLIFE AIRCRAFT STRIKE DATABASE WITH AN INTERACTIVE GRAPHICS CAPABILITY

Embry-Riddle Aeronautical University (Prescott, AZ, USA) was awarded a grant from the William J. Hughes FAA Technical Center in October 1999 to develop and maintain a web site dealing with a wide variety of airport safety wildlife concerns. Initially, the web site enabled users to access related topics such as wildlife management (at/near airports), bird identification information, FAA wildlife management guidelines, education, pictures, current news, upcoming meetings and training, available jobs and discussion/forum sections. In April 2001, the web site was augmented with an on-line wildlife strike report (FAA Form 5200-7). Upon submittal on-line, “quick look” email notifications are sent to concerned government personnel. The distribution of these emails varies as to whether there was damage, human injuries/fatalities, and whether feather remains were collected and will be sent to the Smithsonian Institution for identification. In July 2002, a real-time on-line query system was incorporated to allow federal and local government agencies, airport and operator personnel, and USDA and airport wildlife biologists to access this database (which as of June 2005 contains 68,288 researched strike reports added to at a rate of approximately 500 strike reports/month) to formulate strategies to reduce the hazards wildlife present to aviation. To date (June 2005), over 15,000 on-line real-time queries were processed. In June 2004, ERAU was authorized to develop a graphical interface to this on-line query system. Current capabilities include mapping strikes (by species) on the US map, each of the contiguous 48 state maps (with AK and HI being added), and airport diagrams of the major metropolitan airports as well as the next 46 airports with the most reported strikes The latter capability depicts strikes by runway in plan as well as in elevation view. Currently under development is the ability to view time-sequenced strikes on the US map. This extensive graphical interface will give analysts the ability to view strike patterns with a wide variety of variables including species, seasons, migration patterns, etc. on US and state maps and airport diagrams.

Robust statistical modeling using the Birnbaum-Saunders-t distribution applied to insurance

In this paper, we carry out robust modeling and influence diagnostics in Birnbaum-Saunders (BS) regression models. Specifically, we present some aspects related to BS and log-BS distributions and their generalizations from the Student-t distribution, and develop BS-t regression models, including maximum likelihood estimation based on the EM algorithm and diagnostic tools. In addition, we apply the obtained results to real data from insurance, which shows the uses of the proposed model. Copyright (c) 2011 John Wiley & Sons, Ltd.

Recurring extensional and strike-slip tectonics after the Neoproterozoic collisional events in the southern Mantiqueira province

In Eastern South America, a series of fault-bounded sedimentary basins that crop out from Southern Uruguay to Southeastern Brazil were formed after the main collisional deformation of the Brasiliano Orogeny and record the tectonic events that affected the region from the Middle Ediacaran onwards. We address the problem of discerning the basin-forming tectonics from the later deformational events through paleostress analysis of more than 600 fault-slip data, mainly from the Camaquã Basin (Southern Brazil), sorted by stratigraphic level and cross-cutting relationships of superposed striations, and integrated with available stratigraphic and geochronological data. Our results show that the Camaquã Basin was formed by at least two distinct extensional events, and that rapid paleostress changes took place in the region a few tens of million years after the major collision (c.a. 630 Ma), probably due to the interplay between local active extensional tectonics and the distal effects of the continued amalgamation of plates and terranes at the margins of the still-forming Gondwana Plate. Preliminary paleostress data from the Castro Basin and published data from the Itajaí Basin suggest that these events had a regional nature.

The secondary market for life insurance policies in the United States market evolution and product valuation

In this work we discuss the secondary market for life insurance policies in the United States of America. First, we give an overview of the life settlement market: how it came into existence, its growth prospects and the ethical issues it arises. Secondly, we discuss the characteristics of the different life insurance products present in the market and describe how life settlements are originated. Life settlement transactions tend to be long and complex transactions that require the involvement of a number of parties. Also, a direct investment into life insurance policies is fraught with a number of practical issues and entails risks that are not directly related to longevity. This may reduce the efficiency of a direct investment in physical policies. For these reasons, a synthetic longevity market has evolved. The number of parties involved in a synthetic longevity transaction is typically smaller and the broker-dealer transferring the longevity exposure will be retaining most or all of the risks a physical investment entails. Finally, we describe the main methods used in the market to evaluate life settlement investments and the role of life expectancy providers.