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Author: United States. Congress Publisher: Createspace Independent Publishing Platform ISBN: 9781985283794 Category : Languages : en Pages : 474
Book Description
Insurance regulation and competition for the 21st century : hearing before the Subcommittee on Capital Markets, Insurance, and Government Sponsored Enterprises of the Committee on Financial Services, U.S. House of Representatives, One Hundred Seventh Congress, second session, June 4, 11, 18, 2002.
Author: United States. Congress Publisher: Createspace Independent Publishing Platform ISBN: 9781985283794 Category : Languages : en Pages : 474
Book Description
Insurance regulation and competition for the 21st century : hearing before the Subcommittee on Capital Markets, Insurance, and Government Sponsored Enterprises of the Committee on Financial Services, U.S. House of Representatives, One Hundred Seventh Congress, second session, June 4, 11, 18, 2002.
Author: United States. Congress. House. Committee on Financial Services. Subcommittee on Capital Markets, Insurance, and Government Sponsored Enterprises Publisher: ISBN: Category : Business & Economics Languages : en Pages : 492
Author: United States Congress House of Represen Publisher: ISBN: 9781296011239 Category : Languages : en Pages : 478
Book Description
This work has been selected by scholars as being culturally important, and is part of the knowledge base of civilization as we know it. This work was reproduced from the original artifact, and remains as true to the original work as possible. Therefore, you will see the original copyright references, library stamps (as most of these works have been housed in our most important libraries around the world), and other notations in the work. This work is in the public domain in the United States of America, and possibly other nations. Within the United States, you may freely copy and distribute this work, as no entity (individual or corporate) has a copyright on the body of the work.As a reproduction of a historical artifact, this work may contain missing or blurred pages, poor pictures, errant marks, etc. Scholars believe, and we concur, that this work is important enough to be preserved, reproduced, and made generally available to the public. We appreciate your support of the preservation process, and thank you for being an important part of keeping this knowledge alive and relevant.
Author: United States Subcommittee on Capital Markets, Insurance, and Government Sponsored Enterprises Publisher: ISBN: Category : Languages : en Pages : 468
Author: United States. Congress. House. Committee on Financial Services. Subcommittee on Capital Markets, Insurance, and Government Sponsored Enterprises Publisher: ISBN: Category : Business & Economics Languages : en Pages : 484
Author: Daniel Schwarcz Publisher: ISBN: Category : Languages : en Pages : 31
Book Description
A substantial fraction of insurance bought by consumers and small businesses is sold through insurance agents rather than purchased directly from firms. Insurance agents can serve valuable “market-making” functions by providing information to both sides of a transaction; and they can offer unsophisticated parties useful advice about how to choose from among a surfeit of complex options. At the same time, agents can inefficiently withhold information and distort consumer choices by providing misleading information or operating in their own self-interests. This Chapter surveys the legal and economic literature on intermediaries operating in consumer-driven insurance markets, analyzing the extent to which competition and/or regulation promote objective and high-quality coverage information and advice. It concludes that neither market forces nor legal or regulatory rules substantially constrain insurance agents' capacity to advance their own interests by providing biased advice, though direct empirical evidence about the frequency of such misbehavior is limited. Although legal or regulatory reforms could improve matters, the Chapter suggests that institutional-cum-technological developments now underway will likely lead to the replacement of human insurance agents by software similar to that which has largely displaced human travel agents. This change poses both opportunities and pitfalls for regulation. Software may provide more accurate, less biased and more easily-regulated market-making services than humans now do. But it may also facilitate mismatching and be subject to the same kinds of misguided incentives as human intermediaries.
Author: Margarida Lima Rego Publisher: Springer ISBN: 9783031385254 Category : Law Languages : en Pages : 0
Book Description
This book explores the insurance sector’s potential role, influence, and impact on society in light of new environmental, social, and governance (ESG) concerns. Furthermore, it looks into how financial and technological innovations help reshape insurance regulation and business models. Unlike their predecessors, 21st century insurers have a growing impact on cross-sector service provision by making available to their clients a wealth of expert knowledge and experience in data analytics. The book delves into insurers’ transition from suppliers of products – consisting of risk coverage or investment opportunities – to providers of various services, and ultimately to solution providers by partnering with their clients so as to prevent failure, optimize their clients’ operations and help them excel in their economic sector. Insurance regulations and policies can be affected by various factors, such as changes in the economy, technological advances, and shifting consumer preferences, to name a few. Additionally, the insurance industry can have a significant bearing on the wider economy, making it important for the industry to operate within a framework of comprehensive regulations. This book includes a diverse set of theoretical, empirical, and policy-oriented chapters on particular aspects of new trends and wider analyses leading to a more systematic understanding of the industry’s socio-economic role. It offers a mixture of chapters from insurance academics and professionals from different countries, cultures, and scientific backgrounds. The methodologies used are diverse, including legal, sociological, historical, economic and financial as well as interdisciplinary analyses. The book has a global scope, including chapters of a more global nature and others addressing particular jurisdictions on different continents, including Europe, Asia and North America.
Author: United States. Congress
Author: United States. Congress
Author: United States. Congress. House. Committee on Financial Services. Subcommittee on Capital Markets, Insurance, and Government Sponsored Enterprises
Author: United States Congress House of Represen
Author: United States Subcommittee on Capital Markets, Insurance, and Government Sponsored Enterprises
Author: 
Author: United States. Congress. House. Committee on Financial Services. Subcommittee on Capital Markets, Insurance, and Government Sponsored Enterprises
Author: Roy J. Hensley
Author: Carolyn Cobb
Author: Daniel Schwarcz
Author: Margarida Lima Rego