Insurance Risk

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Insurance Risk

The likelihood that an insured event will occur, requiring the insurer to pay a claim. For example, in life insurance, the insurance risk is the possibility that the insured party will die before his/her premiums equal or exceed the death benefit. Insurance companies compensate for this risk by adjusting premiums according to how great the risk is.
References in periodicals archive ?
27, well above the world average on the level of preparedness for insurers to handle insurance risks identified, according to PwC Ireland's 2013 Insurance Banana Skins Survey.
The federal government has generally assumed insurance risks for at least two reasons.
Predictive modeling helps better identify and segment insurance risks so executives no longer have to manage on instinct or "gut feel.
The UK's worst insurance risks are males in their teens and early twenties, who are often inexperienced and frighteningly overconfident.
Performance Direct marketing director, Matthew Collett, says: "Once men have enough experience and have rid themselves of their youthful bravura, they are better insurance risks.
European Union finance ministers agreed on Tuesday (4 December) to allow EU governments to continue to cover war and terrorism insurance risks for airlines.
For example, over the past two years, a number of catastrophic insurance risks have been transferred to the capital markets through insurance-linked securities.
CUNA Mutual has a strong capital position relative to its insurance risks and benefits from an exceptionally high quality investment portfolio.
New Asset Class will generate income from three sources: Managing and acquiring large portfolios of insurance risk; managing risk portfolios for insurance carriers; and providing advice and risk analysis to insurers, hedge funds, private equity firms and other investors interested in insurance risks.
Contract notice: Insurance risks associated with the ownership and use of road vehicles pkp polish railway lines in the years 2015-2016
The captive tune-up process may include an analysis of insurance risks of insureds to determine if those risks can be rearranged to create tax efficiencies and/or create additional profit streams.
However, its risk-adjusted capitalization remains more than adequate relative to its investment and insurance risks despite the large dividend payments made in 2006.

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