Principles of Risk Management and Insurancefocuses primarily on the consumers of insurance, and the text blends basic risk management and insurance principles with consumer considerations. Risk in Our Society; Insurance and Risk; Introduction to Risk Management; Advanced Topics in Risk Management; Types of Insurers and Marketing Systems; Insurance Company Operations; Financial Operations of Insurers; Government Regulation of Insurance; Fundamental Legal Principles; Analysis of Insurance Contracts; Life Insurance; Life Insurance Contractual Provisions; Buying Life Insurance; Annuities and Individual Retirement Accounts; Individual Health Insurance Coverages; Employee Benefits: Group Life and Health Insurance; Employee Benefits: Retirement Plans; Social Insurance; The Liability Risk; Homeowners Insurance, Section I; Homeowners Insurance, Section II; Auto Insurance; Auto Insurance and Society; Other Property and Liability Insurance Coverages; Commercial Property Insurance; Commercial Liability Insurance; Crime Insurance and Surety Bonds For all readers interested in risk management and insurance.