Life insurance financial underwriting

Author: Ouyang Tianna
Publisher:
Publish Date: 2004-01-01
Features: In China, the establishment of the life insurance risk management system has gone through seven or eight years from non-existence to gradual improvement. Among these, the product actuarial system, underwriting and claims system, and reinsurance system have become increasingly mature, especially the underwriting system, which has reached a high level after rapid development. This is the first professional book in China that systematically discusses life insurance financial underwriting knowledge. The book not only covers the concepts and theoretical foundations of financial underwriting but also delves into many in-depth practical operations. First, it systematically discusses the concept, principles, and information required for financial underwriting from a general perspective, with a special and detailed focus on financial statements. The introduction of the factors to consider in financial underwriting and the techniques of financial underwriting directly guides underwriters in practical operations. Second, based on the life value theory, it discusses the insurance needs of different strata and populations, as well as the relationship between insurance coverage and financial underwriting, with a focus on the financial underwriting of key corporate figures and corporate insurance. Finally, the book systematically introduces the external environment of financial underwriting, such as moral hazard, the legal environment involved in financial underwriting, and the application of financial underwriting in the reinsurance process.