Practical Remarks on the Present State of Life Insurance in the United States: Showing the Evils Which Exist, and Rules for Improvement; To Which Are ... for the First Time in the United States - Softcover
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Excerpt from Practical Remarks on the Present State of Life Insurance in the United States: Showing the Evils Which Exist, and Rules for Improvement; To Which Are Added the Valuable Tables of Associated Actuaries, Now Printed for the First Time in the United States
Tris treatise is intended not only for the use of insurers through out the United States, but as an easy reference for all persons interested in the practical application of the science of Life Insurance.
The evils of a purely speculative competition, which are now developing themselves throughout the union, in the form of - eighty per cent. Dividends low premiums' - and promissory notes, - are clearly pointed out, and their injurious effects to the insurer demonstrated by a reference to the Tables of Mortality and the Rates of Compound Interest, the only legitimate foundation of life insurance.
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Practical Remarks on the Present State of Life Insurance in the United States
Print-on-DemandAnbieter: Forgotten Books, London, Vereinigtes Königreich
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Paperback. Zustand: New. Print on Demand. This book, published in 1851, delves into the burgeoning world of life insurance in the United States, a field then grappling with rapid growth and the perils of reckless speculation. The author, a seasoned actuary, offers a comprehensive analysis of the various types of life insurance companies operating at the time, from proprietary to mutual, and exposes the shortcomings of practices like issuing dividends that outstrip a company's actual reserves. He meticulously outlines the principles of actuarial science, emphasizing the crucial role of compound interest and the need for accurate mortality tables, warning against the dangers of underestimating the cost of risk. Through detailed calculations and real-world examples, the author debunks common misconceptions about the nature of life insurance profits and the true cost of offering high dividends. The book's insights into the early American life insurance market provide a valuable glimpse into the industry's evolution and the enduring importance of actuarial principles in ensuring long-term financial stability. This book is a reproduction of an important historical work, digitally reconstructed using state-of-the-art technology to preserve the original format. In rare cases, an imperfection in the original, such as a blemish or missing page, may be replicated in the book. print-on-demand item. Bestandsnummer des Verkäufers 9780260237545_0
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Practical Remarks on the Present State of Life Insurance in the United States Showing the Evils Which Exist, and Rules for Improvement To Which Are for the First Time in the United States
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PAP. Zustand: New. New Book. Shipped from UK. Established seller since 2000. Bestandsnummer des Verkäufers LW-9780260237545
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Practical Remarks on the Present State of Life Insurance in the United States Showing the Evils Which Exist, and Rules for Improvement To Which Are for the First Time in the United States
Anbieter: PBShop.store UK, Fairford, GLOS, Vereinigtes Königreich
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PAP. Zustand: New. New Book. Shipped from UK. Established seller since 2000. Bestandsnummer des Verkäufers LW-9780260237545
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