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Review Of: Making Decisions About Liability And Insurance (Colin Camerer & Howard Kunreuther Eds.), Joseph M. Carreiro Jr.

RISK: Health, Safety & Environment (1990-2002)

Review of: Making Decisions about Liability and Insurance (Colin Camerer & Howard Kunreuther eds., Kluwer Academic Publishers 1993). Figures, index, notes, tables. ISBN 0-7923-9393-7 [139 pp. Cloth $89.95. 101 Phillip Drive, Assinippi Park, Norwell MA 02061.1

Profile Vol: 43 No: 5 August 24, 1994, Blue Cross And Blue Shield Of Florida, Inc.

Florida Blue Archives Printed Materials

August 24, 1994 employee newsletter published by the Public Relations Department to educate, inform and recognize the employees of Blue Cross and Blue Shield of Florida.

Bcbsf Statement On The United States District Court’S Approval Of The Medicare Lawsuit Settlement, Blue Cross And Blue Shield Of Florida, Inc.

Florida Blue Archives Printed Materials

BCBSF Statement on the United States District Court’s Approval of the Medicare lawsuit Settlement from August 5th, 1994.

Profile Vol: 43 No: 4 July 26, 1994, Blue Cross And Blue Shield Of Florida, Inc.

Florida Blue Archives Printed Materials

July 26, 1994 employee newsletter published by the Public Relations Department to educate, inform and recognize the employees of Blue Cross and Blue Shield of Florida.

Celebration To Honor William F. Snyder Invitation With Envelope, Blue Cross And Blue Shield Of Florida, Inc.

Florida Blue Archives Printed Materials

No abstract provided.

U.S. District Court Middle District Of Florida Jacksonville Division- Report And Recommendation, Blue Cross And Blue Shield Of Florida, Inc.

Florida Blue Archives Printed Materials

U.S. District Court Middle District of Florida Jacksonville Division- Report and Recommendation.

Profile Vol: 43 No: 3 June 22, 1994, Blue Cross And Blue Shield Of Florida, Inc.

Florida Blue Archives Printed Materials

June 22, 1994 employee newsletter published by the Public Relations Department to educate, inform and recognize the employees of Blue Cross and Blue Shield of Florida.

Bcbsf Statement On The Medicare Lawsuit Settlement, Blue Cross And Blue Shield Of Florida, Inc.

Florida Blue Archives Printed Materials

BCBSF Statement on the Medicare Lawsuit Settlement from June 14, 1994.

Wdbo-Am Radio Late Afternoon News Program W/ Mark Williams And Rick Flagg, Wdbo-Am Radio

Florida Blue Archives Printed Materials

No abstract provided.

Transcript – “Summary Of Topics: Blue On Blue, 2nd Quarter 1994”, Blue Cross And Blue Shield Of Florida, Inc.

Florida Blue Archives Printed Materials

No abstract provided.

Profile Vol: 43 No: 2 May 27, 1994, Blue Cross And Blue Shield Of Florida, Inc.

Florida Blue Archives Printed Materials

May 27, 1994 employee newsletter published by the Public Relations Department to educate, inform and recognize the employees of Blue Cross and Blue Shield of Florida.

Cbs-Tv 60 Minutes Segment By Lesley Stahl, Cbs News

Florida Blue Archives Printed Materials

No abstract provided.

Article: Jacksonville Business Journal, “Article Missed Real Angle Of Blue Cross Lawsuits”, Blue Cross And Blue Shield Of Florida, Inc.

Florida Blue Archives Printed Materials

Article: Jacksonville Business Journal, “Article Missed Real Angle of Blue Cross Lawsuits”.

Article: Jacksonville Business Journal, “Businesses Aid Blues’ Whistle Blower”, Blue Cross And Blue Shield Of Florida, Inc.

Florida Blue Archives Printed Materials

Article: Jacksonville Business Journal, “Businesses Aid Blues’ Whistle Blower”.

Bcbsf Statement On The Medicare Lawsuit Settlement Hearing, Blue Cross And Blue Shield Of Florida, Inc.

Florida Blue Archives Printed Materials

BCBSF Statement on the Medicare Lawsuit Settlement Hearing from April 20, 1994.

No. 123 1994 April

International Journal for Business Education

SIEC Historical Documents

Remarks: Transcript Of 1993’S President’S Annual Achievement Awards Speech Given By William E. Flaherty At The Annual Achievement Awards Banquet, With Attachment: Inter-Office Memo From Lufrano To Carl J. Demery, William E. Flaherty

Florida Blue Archives Printed Materials

No abstract provided.

Faculty Regent Newsletter, Ray Mendel

Board of Regents Documents

Newsletter created by faculty regent Ray Mendel to inform faculty members of WKU Board of Regents activities that affect them.

Profile Vol: 43 No: 1 January 25, 1994, Blue Cross And Blue Shield Of Florida, Inc.

Florida Blue Archives Printed Materials

January 25, 1994 employee newsletter published by the Public Relations Department to educate, inform and recognize the employees of Blue Cross and Blue Shield of Florida.

Managing The Costs And Risks Of Housing Finance: A New Role For Actuaries, Anthony Asher

Journal of Actuarial Practice (1993–2006)

Housing finance is a nontraditional field where actuarial expertise could be applied fruitfully. The development of mortgage instruments requires the application of financial mathematics, while the evaluation and management of the financial risks to which borrowers and lenders are exposed require a knowledge of insurance principles. This paper splits the financial costs of home ownership into several components: those that arise from inflation, risk, administration, and the residual real interest charge. The risk component further is partitioned into life contingencies, economic contingencies, and various moral hazards. This analysis provides a basis for future financial innovation, highlights where government intervention may …

Health Insurance Reform And Its Effects On The Small Employer Market: A Review Of H.R. 3626, Anthony P. Hammond

Journal of Actuarial Practice (1993–2006)

This paper provides a detailed analysis of H.R. 3626, a bill that is intended to improve employers' and employees' access to health care. H.R. 3626 attempts to accomplish this through the use of guaranteed availability, community rating, and generous standard benefits. A migration model is used to analyze the impact of H.R. 3626. Using this model, it is shown that while improving the availability and affordability of health insurance, its rating restrictions increase premiums disproportionately for the majority of small employers. In addition, H.R. 3626 increases the number of uninsured small employers.

Modal Premium Factors In Ordinary Life Insurance, James B. Ross, Criss G. Woodruff

Journal of Actuarial Practice (1993–2006)

For ordinary life policyholders who want to pay more frequently than annually, insurers construct schedules of modal premium factors that reflect additional charges for the costs of collection, forgone interest, and premiums uncollected or refunded in the year of death. Competition within the industry forces convergence of such schedules. On the other hand, if such factors for a given company reflect its own experience (in expense, interest, mortality, and persistency), the differences between companies will force schedules apart. Analysis of a large group of life insurers over the 1972-1982-1992 period shows that modal premium factors are dustered closely, that they …

Predicting Automobile Insurance Multi-Regional Base Pure Premiums, Edward Nissan, Iskandar S. Hamwi

Journal of Actuarial Practice (1993–2006)

Multi-regional insurance base premiums are customarily computed by a top-down method where national or state projections are adjusted to reflect regional differences. This paper proposes a methodology for a bottom-up projection. A weighing scheme that minimizes the variance of the estimator is suggested as a criterion to establish an overall multi-regional rate.

Modeling Insurance Cash Flows For Universal Life Policies, Robert E. Hoyt

Journal of Actuarial Practice (1993–2006)

This paper develops a methodology that can be used by insurers to construct predictive models for their own insurance cash flows. The insurance cash flow components evaluated include premium flows, policy loans, and cash value surrenders. Also, the paper evaluates several hypotheses in the insurance literature that attempt to explain insurance cash flows. Though the results are theoretically consistent, they produce some interesting contrasts to findings of similar studies for whole life policies. For example, these results confirm that: (i) the credited rate strategy is important to policy performance; (ii) the emergency fund hypothesis appears to apply to policy loan …

A Statistical Approach To Ibnr Reserves, Bradford S. Gile

Journal of Actuarial Practice (1993–2006)

This paper develops a three dimensional statistical approach to the estimation of the mean and the standard deviation of pure incurred but not reported (IBNR) reserves. This means that the time of occurrence, the reporting lag, and the claim severity are separately modeled. It is assumed that, beyond any fixed time t, the claim number development process is Poisson and that the severity of loss depends on the length of the reporting lag. Two key assumptions are made to simplify the estimation of model parameters: for a given reporting lag, (i) the conditional mean of the claim size is a …

Discussion Of Robert L. Brown's "Tax Assistance To Qualified Retirement Savings Plans: Deferral Or Waiver"*, Mark W. Campbell

Journal of Actuarial Practice (1993–2006)

In the paper entitled "Tax Assistance to Qualified Retirement Savings Plans: Deferral or Waiver," Robert L. Brown concludes that "the nontaxation of investment income on qualified funds until taken is a tax waiver or tax subsidy from the government to participants of qualified plans". I believe, however, that this conclusion is based on flawed assumptions pertaining to:

• The behavioral responses of taxpayers to the withdrawal of such tax assistance;

• The definition of an appropriate benchmark tax system against which to measure the cost of such tax assistance; and

• The appropriate basis of comparison of alternative government tax …

Customer Needs Report, Blue Cross And Blue Shield Of Florida, Inc.

Florida Blue Archives Printed Materials

Customer Needs Report.

Blue Cross And Blue Shield Annual Report: 1994, Blue Cross Of Florida, Inc.

Florida Blue Archives Printed Materials

Annual company report for 1994 detailing Blue Cross of Florida's business operations, financial assets and expenditures, and executive leadership.

Value Health, Inc. Annual Report, Value Health

Florida Blue Archives Printed Materials

No abstract provided.

Transcript – “Summary Of Topics: Blue On Blue, Final Quarter 1994”, Blue Cross And Blue Shield Of Florida, Inc.

Florida Blue Archives Printed Materials

No abstract provided.