Insurance Regulation in the United States: An Overview for Business and Government
Insurance attorney Peter Lencsis provides a unique, objective description of the insurance regulatory system as it exists today in the United States. Concise but comprehensive, it provides an easily grasped, immediately useful explanation of how the regulatory system works. Because of the federal McCarran-Ferguson Act, most insurance regulation is left to the individual states, and is thus non-uniform. But there is still a common pattern to state regulation, explains Lencsis, due in large...
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A unique, objective description of the insurance regulatory system in the United States. Booknews An introductory overview of insurance regulation in the US. After a chapter of historical background, coverage follows the life cycle of an insurer, with chapters on organization and licensing of insurers, regulation of insurer assets and investment, reports and examinations, and insolvency and liquidation laws. Other chapters discuss policy forms and rates, assigned risk plans and other residual markets, regulation of agents and brokers, and taxation of insurers. Includes a glossary and a table of key statutory provisions. Annotation c. by Book News, Inc., Portland, Or.
Introduction1Historical Background12State versus Federal Insurance Regulation93Formation and Organization of Insurers194Licensing of Insurers255Insurers' Assets, Reserves, and Investments336Annual Statements and Periodic Examinations437Rates and Rating Organizations528Insurance Contracts609Assigned Risk Plans and Other Residual Market Mechanisms6710Agents, Brokers, and Other Representatives7311Holding Companies and Corporate Changes8112Non-Admitted Insurers and Other Risk Management Alternatives8713Insurer Insolvencies and State Guaranty Funds9514Reinsurance10015Trade Practices and Miscellaneous Regulations10516State and Federal Taxation of Insurers111Afterword: The Future of Insurance Regulation115App. 1Excerpts from the United States Constitution117App. 2McCarran-Ferguson Act119App. 3Table of Key Statutory Provisions121Glossary131Further Reading141Index143
\ BooknewsAn introductory overview of insurance regulation in the US. After a chapter of historical background, coverage follows the life cycle of an insurer, with chapters on organization and licensing of insurers, regulation of insurer assets and investment, reports and examinations, and insolvency and liquidation laws. Other chapters discuss policy forms and rates, assigned risk plans and other residual markets, regulation of agents and brokers, and taxation of insurers. Includes a glossary and a table of key statutory provisions. Annotation c. by Book News, Inc., Portland, Or.\ \
