Relevant bibliographies by topics / Insurance studies / Dissertations / Theses

Dissertations / Theses on the topic 'Insurance studies'

To see the other types of publications on this topic, follow the link: Insurance studies.
Author: Grafiati
Published: 10 December 2022
Last updated: 28 January 2023

Create a spot-on reference in APA, MLA, Chicago, Harvard, and other styles

Select a source type:

Consult the top 50 dissertations / theses for your research on the topic 'Insurance studies.'

Next to every source in the list of references, there is an 'Add to bibliography' button. Press on it, and we will generate automatically the bibliographic reference to the chosen work in the citation style you need: APA, MLA, Harvard, Chicago, Vancouver, etc.

You can also download the full text of the academic publication as pdf and read online its abstract whenever available in the metadata.

Browse dissertations / theses on a wide variety of disciplines and organise your bibliography correctly.

1

Mennel, Tim. "Studies on optimal unemployment insurance /." Berlin : Dissertation.de, 2004. http://bvbr.bib-bvb.de:8991/F?func=service&doc_library=BVB01&doc_number=012916906&line_number=0001&func_code=DB_RECORDS&service_type=MEDIA.

Full text
APA, Harvard, Vancouver, ISO, and other styles
2

Toivanen, Otto Iisakki. "Industrial economics studies in insurance markets." Thesis, University of Warwick, 1994. http://wrap.warwick.ac.uk/106901/.

Full text
Abstract:
This thesis consists of three essays each studying insurance markets from a different perspective. The first studies competition in the domestic Finnish non-life insurance market using a persistence of profits model, where it is assumed that firms use competitors' past profits as signals of attractiveness of given submarkets. The firms were divided into two strategic groups. The existence of these groups, the effects of two mergers, and the level of competition were tested for. It emerged that the groups compete hard against each other, that fringe firms compete more with the leader group than with each other, that leaders' either follow some kind of tacit collusion strategy or compete very aggressively against each other, and that the mergers lead to a tightening of competition. The second essay is theoretical. The question asked is: does it pay for an insurance firm to acquire information of its customers' type and level of effort. Adverse selection and moral hazard analyses are combined, using geometric tools. Welfare analysis is central in this essay. Decision rules are derived for a monopoly to become vertically integrated. It is shown that in oligopoly it is possible to have an equilibrium where firms use asymmetric vertical strategies. Welfare effects of vertical integration prove to be ambiguous. The model has several other applications, eg. job market, organization of regulatory institutions. In the third essay it is argued that oligopolistic firms do not necessarily minimize costs when maximizing profits, and that this affects cost function specification and estimation. A cost function is constrained so that it can be estimated even though the number of products is large. The proposed specification gives a better fit them traditional specifications, and the quantitative and qualitative results are very different. The costs of branch proliferation are calculated, and the lowest mean for five biggest firms is 37% of total operating costs.
APA, Harvard, Vancouver, ISO, and other styles
3

Msheliza, Samuel Kaku. "Strategic planning in Nigerian insurance companies." Thesis, University of Nottingham, 1991. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.281062.

Full text
APA, Harvard, Vancouver, ISO, and other styles
4

Yang, Shui-lam. "A comparison of different health insurance systems and their feasibility for Hong Kong /." [Hong Kong : University of Hong Kong], 1992. http://sunzi.lib.hku.hk/hkuto/record.jsp?B13417770.

Full text
APA, Harvard, Vancouver, ISO, and other styles
5

Laun, Lisa. "Studies on Social Insurance, Income Taxation and Labor Supply." Doctoral thesis, Stockholms universitet, Nationalekonomiska institutionen, 2012. http://urn.kb.se/resolve?urn=urn:nbn:se:su:diva-80972.

Full text
Abstract:
This thesis consists of five papers, summarized as follows.  "Disability Insurance, Population Health, and Employment in Sweden" This paper describes the development of population health and disability insurance utilization for older workers in Sweden and analyzes the relation between the two. We also study the effects of changes in eligibility criteria for older workers.  "Does Privatization of Vocational Rehabilitation Improve Labor Market Opportunities? Evidence from a Field Experiment in Sweden" This paper analyzes if privatization of vocational rehabilitation improves labor market opportunities for long-term sick, using a field experiment. We find no differences in employment rates following rehabilitation between individuals who received rehabilitation by private and public providers.  "Screening Stringency in the Disability Insurance Program" This paper proposes a strategy for assessing how the inflow to the disability insurance program has been governed over time. We analyze the ex-ante health of new beneficiaries by using ex-post mortality. We find large variation in the relative health of new beneficiaries compared to non-beneficiaries in Sweden over time.  "The Effect of Age-Targeted Tax Credits on Retirement Behavior" This paper analyzes the effect of two tax credits for workers above age 65 implemented in Sweden in 2007: an earned income tax credit and a payroll tax credit. I find that the age-targeted tax credits increased employment in the year following the 65th birthday, but the increase was not large enough to offset the implied decrease in tax revenues.  "Wage Dynamics and Firm-Level Shocks" This paper proposes a framework for introducing the firm into empirical models of the dynamic income process. The model allows for studying the extent to which firm-level productivity shocks are transmitted to wages. Selection into employment and between jobs is explicitly modeled. We also present a strategy for estimation and identification of the model
APA, Harvard, Vancouver, ISO, and other styles
6

Sheth, Alpen Suresh. "Cultivating risk : weather insurance, technology and financialization in India." Thesis, Massachusetts Institute of Technology, 2017. http://hdl.handle.net/1721.1/113802.

Full text
Abstract:
Thesis: Ph. D., Massachusetts Institute of Technology, Department of Urban Studies and Planning, 2017.
Cataloged from PDF version of thesis.
Includes bibliographical references (pages 295-309).
Climate change, technological innovation, and financialization are three of the most transformative processes shaping spatial planning and policymaking. Yet, each of these macro-structural processes and their consequences are experienced in the short-term and at geographically-specific scales. In the context of planning, financialization needs to be better understood to evaluate its actual processes and consequences through in-depth analyses of specific cases. Since 2007, India's weather insurance programs have become the largest in the world offering farmers access to new financial instruments and automated technologies to manage the increasing risks of agricultural cultivation. Insurance has come to be seen as a systematic response to the increasing impacts of drought and flooding since the green revolution and an agrarian crisis that has witnessed over 300,000 farmers commit suicide between 1995-2015. In this dissertation, I ask how and why insurance, which never played a significant role several decades ago, has come to be a central planning strategy for agricultural policymakers, outpacing all other government expenditure in the form of premium subsidies. I study the development of weather insurance programs in India and examine implementation across four major agricultural states-Maharashtra, Andhra Pradesh, West Bengal, and Punjab-to show how risk transfer in the agricultural sector has been increasingly financialized, with a growing dependence on new derivative instruments and the rising penetration of international reinsurance capital. The overarching research questions motivating my dissertation include: how does the introduction of new insurance policies, financial instruments, and weather technologies impact the agrarian landscape? how do these insurance programs define and measure risk? what are the spatial dimensions of insurance, its variation and its coverage? what is the importance of these developments in terms of how agricultural risk gets financialized for long-term planning as well as political contestation? and what it means to plan for weather risk and climate change in a context of the rapid churning of technologies and the financialization of risk? In my research methodology, I employ granular analysis of actors, agents, and actions, while paying attention to structural positions, systemic rationalities, and recurrent patterns. I conducted interviews with over 40 insurance professionals, underwriters and government experts as well as with 60 farmers and local officials in four states - West Bengal, Maharashtra, Punjab and Andhra Pradesh. I used archival and document analyses as well as spatial analysis of insurance business data to understand and explain spatial variation in policy implementation and outcomes. Amidst the numerous scholarly debates about the role of finance and meaning of financialization, the spatial dimensions of risk and financialization are not well understood. Through my research, I explain financialization of weather risk through an analysis of underwriting methodologies for actuarial models, financial instruments, and automated weather technologies. I show how complexities and shifts in seasonal geographies and temporalities further complicate the extent to which harm, loss, risk can be correlated with financial precision and pricing. I argue that the speed of convergence towards automated and index-based systems has been followed by the disempowerment of farmers who have trouble disputing the terms and eligibility of coverage especially in the case of index insurance contracts, where disputes related to measurement errors and manipulation have had a significant negative effect on adoption, with many states and insurers reducing their offering of such policies. I further argue that the rise of the financialization of risk in the agricultural sector in particular is concurrent with the ascent of a global fast policy environment since the 1970s that facilitates iterative and experimental development of actuarial systems along transnational policy circuits. I contribute archival and empirical findings to show that Indian agricultural policy has witnessed a shift in focus away from the distribution of land, infrastructure, and productivity that were important in post-independence India and the Green Revolution, towards new forms of "riskholding" in the post-Green Revolution period, in which the government focuses on the ways in which the financial risks of agricultural producers are managed and transferred. In my comparative examination of the four states, I show that while insurance mitigates some forms of inequality through subsidies, structural inequalities as a function of inherited landholding disparities and landlessness are reinforced. My overall contention is that agricultural planning and policymaking, specifically through insurance, shifts resources away from longer-term considerations of addressing inequalities of assets such as land and capital, towards the problems of "riskholding," which constitutes a new dimension of differentiation that, in effect, magnifies the salience of short-term financial risk and risk hedging strategies instead of agricultural investment and infrastructure development. Finally, I find that financial risk in its various forms is becoming politicized in ways that are not accounted for in the current literature. I use my case studies to contribute to the literature on the financialization of agriculture (via an intervention in the ongoing debate on the "agrarian question") with a focus on the ways in which insurance subsidies, electoral politics and debt-based mobilization are a manifestation of a more broad-based politics of financialization. The politicization of financial risk ultimately upends the actuarial approach through state-specific variations in implementation through insurance subsidies and loan waivers as electoral strategies. These newly emergent systems are hierarchical and unevenly empower risk capital and new forms of actuarial automation, while risk capital markets and technologies are reshaping the context of planning and the ways weather indicators and indexes are defined and calculated. Furthermore, the uncertainty and severity of climate variability through unseasonal rainfall, drought, flooding, and disease present complex challenges for the very viability of agricultural production that are not adequately addressed through the insurance program, but may in fact, temporarily mask these processes through continued and pervasive ecological extraction and indebtedness. Ultimately, insurance is an incomplete mathematical (actuarial) technology for planning because it assumes fixed aggregate risks and non-correlation of risks. More than the mathematical possibilities and constraints of insurance, new models may show the potential for anti-neoliberal forms of decentralization in insurance and financialization through blockchain and other distributed technology for mutual, peer-to-peer risk management.
by Alpen Suresh Sheth.
Ph. D.
APA, Harvard, Vancouver, ISO, and other styles
7

Eaglestone, Frank Nelson. "An improved method of requesting insurance under UK construction contracts." Thesis, City University London, 1993. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.240686.

Full text
APA, Harvard, Vancouver, ISO, and other styles
8

Cao, Liou. "The feasibility and functioning of public mortgage insurance models : an international comparison." Thesis, Massachusetts Institute of Technology, 2005. http://hdl.handle.net/1721.1/34167.

Full text
Abstract:
Thesis (Ph. D.)--Massachusetts Institute of Technology, Dept. of Urban Studies and Planning, 2005.
Includes bibliographical references (p. 187-194).
Public mortgage insurance (MI) is one type of supply-side government intervention in housing finance. It is an important component of the modem housing finance market, employed to expand homeownership and provide credit enhancement to mortgage loans. This research explores the feasibility and functioning of public MI, by conducting an international comparison of three representative public MI programs: the U.S. Federal Housing Administration; the Dutch Homeownership Guarantee Fund; and the Mexican Federal Mortgage Corporation. The main purpose is to build an integrated framework for policymakers when considering a public MI scheme, from institutional, financial, and operational perspectives. Research methodologies used include case studies, interviews, Monte Carlo simulation models, and regression analyses. The analytical framework of this research comprises three research questions: a) What are the primary economic problems in housing and housing finance markets that cause market inefficiency and hence call for government intervention in the form of public MI? b) What are the implied liabilities imposed on the backing government of sponsoring a public MI enterprise? and c) What are the potential economic problems that can result from the creation of a public MI system?
(cont.) Answers to these questions indicate that public MI can be an effective policy tool to address particular housing market inefficiencies. However, a good fit between public MI and a nation's housing and housing finance markets entails many factors, including economic, financial, legal, political, institutional, and even cultural. Public MI should be designed and priced properly to maintain its financial soundness over the long term, without imposing "hidden" liabilities on the backing government. Certain institutional arrangements and operational strategies are necessary to ensure public MI's relative independence and to control market distortions stemming from its presence. This research contributes to the knowledge base for any country considering a public MI scheme to boost its housing market development. It is intended to offer much needed insight into the economic rationale, financial viability, institutional and legal infrastructure, and operational strategies of government-sponsored MI programs, and help policymakers make informed decisions based on a holistic socio-economic view of the public MI.
by Liou Cao.
Ph.D.
APA, Harvard, Vancouver, ISO, and other styles
9

McLeod, Geordie. "Injury surveillance in community cricket and the exploration of insurance claims systems." Thesis, Edith Cowan University, Research Online, Perth, Western Australia, 2020. https://ro.ecu.edu.au/theses/2390.

Full text
Abstract:
The aims of this industry funded PhD thesis were 1) To understand the injury causes, trends and burden in community cricket and 2) To examine the Cricket Australia National Club Risk Protection Program (NCRPP) insurance scheme for suitability as an injury surveillance tool for community cricket. This thesis sought to identify and understand the injury profile of community cricketers through existing literature and injury datasets, being, Victorian Injury Surveillance Unit (VISU) hospital data, Accident Compensation Corporation (ACC) and NCRPP insurance claims data. This thesis also undertook a novel assessment of data validity and completeness from various sources, against industry standards of the Australian Sports Injury Data Dictionary (ASIDD) and cricket injury consensus statements (consensus). Existing literature using insurance claims data to report sports injury indicated high levels of validity and completeness were possible. Review across all sources of published, community- level, cricket-related injury data revealed acute medically-treated injuries were most commonly fractures, dislocations, sprains and strains. The most common body regions requiring hospital attendance were the wrist/hand and head. The majority of hospital-treated injuries were due to being struck by the ball. The majority of prospectively collected injury data involved junior and/or adolescent players and most often involved bowling cohorts, although fielding was the most commonly reported activity of injury onset. The majority of studies had an unclear likelihood of bias. Reporting completeness was moderate when compared to the ASIDD core items and consensus, with injury mechanism an area requiring improvement. The ACC provided data, on all cricket-related injury claims, showed high validity with the core items of the ASIDD and the cricket injury consensus statements. The ACC data showed soft tissue injuries were the most common injury nature with bowling the most common activity at injury onset. Lower back and shoulder sprains/strains were the most commonly injured body regions. Four-percent of claims involved lost work time. The NCRPP, collecting specifically organised cricket-related injury not covered by a universal healthcare system, showed fractures to the hands/fingers/thumb and knee sprains were the most common injuries. Fielding was the most common activity at injury onset. Twenty-five percent of claims received loss of income (LOI) payments with knee injuries representing the highest injury burden (weeks LOI/year). The NCRPP system showed a high level of validity in injury data collection measured against the ASIDD and consensus. The NCRPP data showed a high level of completeness compared to the core items of the ASIDD and a moderate level in comparison with the consensus. The NCRPP system was judged to be useful as a potential injury surveillance system against the Centre for Disease Control (CDC) guidelines. Recommendations for improvements to the system include: 1) Addition of medical diagnosis/history; 2) Inclusion of injury side; 3) Inclusion of new/recurrent injury; 4) Allowance for multiple injuries being recorded separately; 5) Rationalisation of the injury nature terms (e.g. tear/rupture); 6) Reintroduction of injury mechanisms; 7) Addition of protective equipment usage; 8) Introduction of fielding positions; 9) Adopting required input fields in online forms to better capture injury data. Additional research is required to help validate the representativeness of the NCRPP injury data. Future research into community-level cricket injury would also be better served with a community-level injury surveillance consensus statement.
APA, Harvard, Vancouver, ISO, and other styles
10

Harby, Galal Abd El-Haleem. "A non-metric multidimensional scaling analysis of customers' attitudes to life insurance : an empirical investigation of insured vs. non-insured attitudes towards life insurance purchasing decision variables in Egypt." Thesis, University of Sheffield, 1986. http://etheses.whiterose.ac.uk/14762/.

Full text
Abstract:
This study is an investigation of the variables which determine life insurance purchasing decisions in Egypt. More precisely, the interest is focused on the customers' attitudes towards purchasing life insurance, as well as on demographic/socioeconomic factors that are assumed to influence the decision to purchase. It is hypothesized that: A) Attitudes towards life insurance purchasing decision variables are similar (i.e., there is no difference) for both insured and non-insured typologies; B) the importance attached to saving through life insurance is similar to that attached to saving with the other financial institutions; and C) there is no significant relationship between the insured's demographic/socioeconomic characteristics, and the amount of life insurance purchased. The design of the research is by facets. The faceted design permits the whole universe of content under investigation to be observed and a limited content of this universe to be systematically sampled. The data is collected by means of personally administered interview questionnaires to 300 respondents (150 insured and 150 non-insured) . Since the data collected is of two major different groups of variables (i.e., attitudinal and categorical), two different techniques of analysis are employed. The first group (attitudinal) is non-metric, i.e" ordinal scaled, multivariate, and interdependent data, whereas the second group (categorical) is multivariate and dependent data of both nominal and interval types. Therefore, the decision was made to use the Non-metric Multidimensional Scaling (NMS) technique for the analysis of the attitudinal data, whereas the Multiple Classification Analysis (MCA) was found to be the most appropriate one for the categorical data. The MINISSA computer program output employed in this study, investigates the similarities and dissimilarities between the two typolcgies' (insured and non-insured) attitudes to life insurance purchasing decision variables. A Wilcoxon test has been employed to investigate the significance of hypotheses A and B, whereas F-ratio test is used for testing hypothesis c. A Kendall correlation analysis is also carried out on the relationship between the variables that are assumed to determine the life insurance purchasing decisions. The research conclusions are: i) the two typologies are similar in their (average) expressed attitudes to life insurance purchasing decision variables; ii) the most important reasons for purchasing life insurance (by both typologies) are: 1) the protection of dependents; 2) saving purposes for daughters' marriage costs; and 3) retirement income/old age protection; iii) the most desirable financial facilities (offered by the insurer) are: 1) profit sharing; 2) borrowing against the cash value of the policy; and 3) the guarantee of surrender values; iv) the most important financial aspects for purchasing life insurance are: 1) a small amount of money being invested; 2) safety for money; and 3) provision against inflation. The significantly different attitudes expressed by the two typologies are those with regard to the importance attached to having life insurance against saving with the other financial institutions. It is concluded that the most distinctive function of life insurance programmes is to cover risks (protection element), whereas saving with the other financial institutions is considered to be of more importance where the purpose(s) is to get a high return on investments and/or saving for emergency situations. The findings on the MCA output show that the selected predictors account for a relatively high proportion of the variance in the amount of life insurance purchased (R2 = 55%). However, the most important explanatory variable is found to be current income. The investigation finally concludes by suggesting the potential applications of these research findings for the process of decision making in the life insurance marketing management in Egypt.
APA, Harvard, Vancouver, ISO, and other styles
11

Löfgren, Curt. "Catastrophic health expenditure in Vietnam : studies of problems and solutions." Doctoral thesis, Umeå universitet, Epidemiologi och global hälsa, 2014. http://urn.kb.se/resolve?urn=urn:nbn:se:umu:diva-93259.

Full text
Abstract:
Background: In Vietnam, problems of high out-of-pocket payments for health, leading to catastrophic health expenditure and resulting impoverishment for vulnerable groups, has been at focus in the past decades. Since the beginning of the 1990’s, the Vietnamese government has launched a series of social health insurance reforms to increase prepayment in the health sector and thereby better protect the population from the financial consequences of health problems. Objective: The objective of this thesis is to contribute to the discussion in Vietnam on how large the problems of catastrophic health expenditure are in the population as a whole and in a special subgroup; the elderly households, and to assess important aspects on health insurance as a means to reduce the problems. Methods: Catastrophic health expenditure has been estimated, using an established and common method, from two different data sources; the Epidemiological Field Laboratory for Health Systems Research (FilaBavi) in the Bavi district, and Vietnam Household Living Standards Survey (VHLSS) 2010. Results from two cross-sectional analyses and a panel study have been compared, to gain information on whether the estimates of catastrophic health spending may be overestimated when using cross-sectional data. Then, the size of the problem for one group, the elderly households; hypothesized to be particularly vulnerable in this context, has been estimated. The question of to what extent a health insurance reform; the Health Care Funds for the Poor (HCFP), has offered protection for the insured against health spending is being assessed in another study over the period 2001 – 2007, using propensity score matching. The value that households attach to health insurance has also been explored through a willingness to pay (WTP) study. Results: Comparing results from two cross-sectional studies with a panel study over a full year in which the respondents were interviewed once every month, the estimates of catastrophic spending vary largely. The monthly estimates in the panels study are half as large as the cross-sectional estimates; the latter also having a recall period of one month. Among the elderly households, catastrophic health spending and impoverishment are found to be problems three times as large as for the whole population. However, household health care expenditure as a percentage of total household expenditure was affected by the HCFP, and significantly reduced for the insured. In the study of household WTP for health insurance, it was iiifound that households attach a low value to this insurance form; WTP being only half of household health expenditure. Conclusions: Cross-sectional studies of catastrophic spending with a monthly recall period are likely to be affected by recall bias leading to overestimations through respondents including expenditure in the period preceding the recall period. However, such problems should not deter researchers form studying this phenomenon. If using the same method, estimates of catastrophic spending and impoverishment can be compared between different groups – as for the elderly households – and over time; e.g. studying the protective capacity of health insurance. It should be used more, not less. The VHLSS rounds offer the Vietnamese a possibility to regularly study this. The HCFP were found to be partly protective but important problems remain to be solved, e.g. the fact that people are reluctant to use their health insurance because of e.g. quality problems and possible discrimination of the insured. The findings of a low WTP for health insurance may be another reflection of this.
APA, Harvard, Vancouver, ISO, and other styles
12

Lindahl, Erica. "Empirical studies of public policies within the primary school and the sickness insurance /." Uppsala : Department of Economics, Uppsala University, 2008. http://urn.kb.se/resolve?urn=urn:nbn:se:uu:diva-9304.

Full text
APA, Harvard, Vancouver, ISO, and other styles
13

Baldwin, Marc. "Benefit recipiency rates under the federal/state unemployment insurance program : explaining and reversing decline." Thesis, Massachusetts Institute of Technology, 1993. http://hdl.handle.net/1721.1/12478.

Full text
APA, Harvard, Vancouver, ISO, and other styles
14

HELBUS, GREGORY STUART. "REDEVELOPING BROWNFIELDS: CASE STUDIES IN THE USE OF ENVIRONMENTAL INSURANCE AS A REDEVELOPMENT TOOL." University of Cincinnati / OhioLINK, 2001. http://rave.ohiolink.edu/etdc/view?acc_num=ucin990638034.

Full text
APA, Harvard, Vancouver, ISO, and other styles
15

Merrigan, Peter A. (Peter Andrew). "Risk based capital regulations for the life insurance industry and their implications for real estate." Thesis, Massachusetts Institute of Technology, 1993. http://hdl.handle.net/1721.1/68758.

Full text
Abstract:
Thesis (M.S.)--Massachusetts Institute of Technology, Dept. of Urban Studies and Planning, 1993.
Title as it appears in the Sept. 1993 MIT Graduate List: Implications of risked based capital regulations on the life insurance company for the real estate industry.
Includes bibliographical references (leaves 75-80).
by Peter A. Merrigan.
M.S.
APA, Harvard, Vancouver, ISO, and other styles
16

Davies, John Hywel. "Towards the adjustment of accounts of insurance companies to allow for differing accounting policies." Thesis, University of East London, 1997. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.264410.

Full text
APA, Harvard, Vancouver, ISO, and other styles
17

Vetter, Stefan [Verfasser], and Joachim [Akademischer Betreuer] Winter. "Empirical studies of individual behavior : cheating, corruption, and insurance choice / Stefan Vetter. Betreuer: Joachim Winter." München : Universitätsbibliothek der Ludwig-Maximilians-Universität, 2012. http://d-nb.info/1028191464/34.

Full text
APA, Harvard, Vancouver, ISO, and other styles
18

Nik, Mat Nik K. "Determinants of sales performance in insurance industry : a cross-cultural comparison between the UK and Malaysia." Thesis, Aston University, 1995. http://publications.aston.ac.uk/10816/.

Full text
Abstract:
This thesis is concerned with an empirical investigation of the factors that predict a successful salesperson, using a cross-cultural comparison of two countries: the UK and Malaysia. Besides collecting quantitative data, qualitative data on organisational, environmental and cultural factors were also collected through interviews, personal and case observations. The quantitative data consist of sixteen independent factors and three dependent factors. The independent variables include self-efficacy, self-esteem, locus of control, self-monitoring, extrinsic motivation, intrinsic motivation, experience, training perception, role ambiguity, role conflict, role inaccuracy, gender, age, education, race and religion. The dependent variables are performance target achieved, performance earnings and performance ratings. Questionnaires were distributed to about 500 salespersons in each country, from three insurance companies in the UK and two insurance companies in Malaysia. Response rates were 75 and 50 percent from the UK and Malaysia respectively. The survey results indicated that a salesperson's performance in the UK is predicted by self-efficacy, internal locus of control, self-esteem, extrinsic motivation, experience, training perceptions, role conflict and gender. In Malaysia, a salesperson's performance is predicted by self-efficacy, self-monitoring, experience, role conflict, role ambiguity, education, gender, race and religion. Self-efficacy, experience, role conflict and gender are common predictors of salespersons' performance in both cultures. The likely explanation for these results is culture differences, i.e. UK has a homogeneous culture, while Malaysia has a heterogeneous one. Results from the case observations, such as organisational and environmental factors, give supporting evidence in explaining the empirical results.
APA, Harvard, Vancouver, ISO, and other styles
19

Alinvi, Fatima, and Maira Babri. "Customers' Preferences of Insurance Services : How could insurance companies enhance their ability of meeting the constant changes in customers’ preferences in an increasingly competitive environment?" Thesis, Umeå University, Umeå School of Business, 2008. http://urn.kb.se/resolve?urn=urn:nbn:se:umu:diva-1531.

Full text
Abstract:

With the presumption of change as an inevitable phenomenon, the aim of this study is to explore ways in which insurance companies can enhance their ability of meeting the constant changes in customers’ preferences in an increasingly competitive environment. In order to conduct this study, we have used a qualitative research strategy to gain a better understanding of young customers’ preferences about the services provided by insurance companies. Based on these preferences we provide useful suggestions for insurance companies. Existing theory suggests that customers change their preferences according to their life circumstances and while certain preferences are well-defined others can be inconsistent. In an increasingly competitive environment, where insurance companies fight for the same customers, having a customer-oriented culture is extremely important not only to retain customers, but also to acquire new ones. This study presents various theories on the changes in customers’ preferences as well as theories regarding organizational strategy and change.

The empirical data has been collected through two focused group interviews with students under 28, in Västerbotten, Sweden and through a group interview with leading representatives of a dominant insurance company in the county. The findings suggest that young consumers’ preferences regarding insurance services are based on their life situation. Price is a decisive factor in the choice of insurance company and their services. The results also showed that many of the respondents are skeptical towards the intentions of and services provided by insurance companies. The complex nature of insurances and the intangibility of services in general, can be possible explanations. Strengthening the evidence in existing studies, we also conclude that there is a vast amount of information insurance-takers would like to have access to before, during, and after purchasing insurance. Additionally, customers would like flexible insurance bundles with the possibility to add and subtract components as life situations change. Finally, based on these results, we suggest how insurance companies could turn these findings into opportunities. We suggest how and when to meet the customers, and how to build long lasting, trust-based relationships which could lead to increased customer loyalty over time.

APA, Harvard, Vancouver, ISO, and other styles
20

Wolter, John Charles. "Developing a business plan for Milwaukee Mutual Insurance Company : existing and future real estate investment and development activity." Thesis, Massachusetts Institute of Technology, 1986. http://hdl.handle.net/1721.1/78954.

Full text
Abstract:
Thesis (M.S.)--Massachusetts Institute of Technology, Dept. of Urban Studies and Planning, 1986.
MICROFICHE COPY AVAILABLE IN ARCHIVES AND ROTCH.
Includes bibliographical references.
by John Charles Wolter.
M.S.
APA, Harvard, Vancouver, ISO, and other styles
21

Björklund, Christina. "Work motivation : studies of its determinants and outcomes." Doctoral thesis, Handelshögskolan i Stockholm, Media och Ekonomisk Psykologi (P), 2001. http://urn.kb.se/resolve?urn=urn:nbn:se:hhs:diva-615.

Full text
Abstract:
Work motivation has most often been defined operationally as job satisfaction, but this dimension has shown to be unrelated to job performance. Therefore, a new measure of work motivation defined as willingness to work was developed. Two main questions were investigated in this thesis. Three work groups were included in the studies. The first purpose was to explore willingness to work and related variables for two groups, people employed in pre-schools (Study1) and employees of an insurance company (Study 2). The variance in willingness to work was explained to 59% for the pre-school employees, and to 69% for the employees in an insurance company. Work interest, affective organizational commitment, perceived competence and risk burden were predictors of willingness to work in both of the groups. Other factors related to willingness to work in this study were, for the employees in pre-schools, positive evaluation of the job, normative organizational commitment, general intrinsic motivation and accepted risks. Additional factors that contributed to the explanation of the variance in willingness to work for the employees in an insurance company were job satisfaction, spontaneous creativity, work environment and opinions about one’s job. A second purpose was to investigate the construct validity of willingness to work dimension by examining its relationships with absenteeism, number of hours worked, intention to quit, and job performance. In Study 1 and Study 2, the relationship between absenteeism, number of hours worked, intention to quit and willingness to work was examined. The result showed that willingness to work was strongly related to intention to quit and number of hours worked in both of the studies. The relationship between willingness to work and job performance (subjective and objective) was also investigated. Participants in this study were insurance sales people. The correlation of willingness to work and objective as well as subjective job performance was quite high (r=.41 and .57, respectively). According to the results, the work motivation measure could be considered as being a quite valid assessment of work motivation.
Diss. Stockholm : Handelshögsk., 2001
APA, Harvard, Vancouver, ISO, and other styles
22

Azad, Mithila. "Social insurance provision for women in the urban informal sector : interpreting the successful strategy of Working Women's Forum, India." Thesis, Massachusetts Institute of Technology, 2006. http://hdl.handle.net/1721.1/37464.

Full text
Abstract:
Thesis (M.C.P.)--Massachusetts Institute of Technology, Dept. of Urban Studies and Planning, 2006.
Includes bibliographical references (leaves 72-75).
Since the late-1980s, the world's workers have experienced two strikingly coordinated global trends. The first is an unpredicted decline in secure, formally employed labor, and subsequent growth in informal labor. The second is an unprecedented decline in state welfare rhetoric and policy. These simultaneous trends have resulted in an increase in the proportion of workers that do not receive secure wages or social benefits from either the employer or the state. As this notion of the "benevolent" state purported in the 1950's disintegrates, one finds development literature focusing squarely on formation of social movements as solutions. This study examines the efforts of one such social movement-Working Women's Forum, India (WWF)-which has been successful in providing social protection (insurance) for over 8,00,000 women in the urban informal sector in Tamilnadu, Andhra and Karnataka. This case study looks at linkages between WWF and insurers: Government and Private owned. The curiosity that guides the research is regarding a) opportunities involved in such linkages towards a wider coverage of women in the informal sector, and b) identifying different state characteristics that influence different levels of success among informal workers organizations' ability to secure labor benefits.
(cont.) The latter is marked by continuous negotiations, sometimes confrontational, and other times enabling. This necessitates knowledge of the larger political, legislative and policy environment under which such struggles become successful movements. The reason to study this organization was multifold. First, the organization has been operational in more than one State (of India), aiding comparative analysis of outcomes with respect to different governmental set ups. Second, owing to its large coverage, it was useful to understand the kind of strength it wields in influencing policy decisions (Social Security Bill for Unorganized Sector Workers, 2006). All these issues are analyzed in the backdrop of reformatory struggles through the 1970's, definitions of social protection, current legislations, organizational modifications over the years, and the micro-insurance programmes. The intention of the thesis is mainly to identify factors that have contributed to bringing about an enabling environment for social protection for women in the urban informal sector.
by Mithila Azad.
M.C.P.
APA, Harvard, Vancouver, ISO, and other styles
23

Homer, Emily. "Insurance Status and Obesity as Predictors of Cost in Trauma Care." Scholarly Commons, 2020. https://scholarlycommons.pacific.edu/uop_etds/3692.

Full text
Abstract:
Insurance is a vital factor in the billed cost to the patient, but to what degree does insurance explain the amount a patient is left to pay? Also, does obesity further influence patient’s billed cost? This thesis assesses the type of thoracic trauma patient, insurance status, and their billed cost. Database variables were analyzed in IBM SPSS 25. Table 1 characteristics were evaluated based on demographics and systematic hospital factors. Linear regressions used Private0_Government1 and BMI Obese n_y_ as independent variables while Total Patient Cost was the dependent variable. Private0_Government1 insurance explained .03% of Total Patient Charges. Private0_Government1 and BMI Obese n_y_ explained 1.4% of Total Patient Charges. Private0_Government1 and BMI Obese n_y_ explained a low percentage of Total Patient Charges. This shows that there are factors other than insurance type and obesity that are influential upon patient charges.
APA, Harvard, Vancouver, ISO, and other styles
24

Carré, Françoise J. "Temporary, short-term and part-time employment in French banks and insurance companies in the 1980's : an institutionalist approach." Thesis, Massachusetts Institute of Technology, 1992. http://hdl.handle.net/1721.1/64875.

Full text
Abstract:
Thesis (Ph. D.)--Massachusetts Institute of Technology, Dept. of Urban Studies and Planning, 1993.
Includes bibliographical references (v. 2, leaves 305-312).
by Françoise Jacqueline Carré.
Ph.D.
APA, Harvard, Vancouver, ISO, and other styles
25

Winn, Alisha R. "Beyond the Business: Social and Cultural Aspects of the Atlanta Life Insurance Company." Scholar Commons, 2010. https://scholarcommons.usf.edu/etd/1809.

Full text
Abstract:
The dissertation research is an examination of the social and cultural dynamics of the Atlanta Life Insurance Company (ALIC) in Atlanta, GA. During the Jim Crow era (and post Jim Crow era), the ALIC provided economic mobility through employment, home loans, life insurance, and community solidarity. The company was one of the largest and most successful African-American financial institution in the country during the 20th century. It was founded in 1905 by Alonzo F. Herndon, a prosperous black barber and entrepreneur who rose from enslavement to become by 1927 the wealthiest African American in Atlanta. Renamed as the Atlanta Life Financial Group (ALFG), today the insurance company remains the leading African American stock-owned insurance company in the nation. I examine how Atlanta Life employees conceptualized their relationships within the company (past and present) and the larger African American community of Atlanta, along with the role the institution played as a shared space for producing cultural identities through social interactions. I explore the multiple roles of the company that impacted the community in the past and current roles within the African American community. I also explore what the possible closing of the Herndon Home Museum mean for memories and heritage, and the Herndon family's accomplishments if the home were torn down.
APA, Harvard, Vancouver, ISO, and other styles
26

Van, Kalliecharan Ricky. "The process of health policy reform in the English-speaking Caribbean : case studies in national health insurance." Thesis, University of Leeds, 2002. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.399913.

Full text
APA, Harvard, Vancouver, ISO, and other styles
27

Dedes, Vasilis. "How to determine fair value for life insurance policies in a secondary market." Thesis, Umeå universitet, Handelshögskolan vid Umeå universitet, 2011. http://urn.kb.se/resolve?urn=urn:nbn:se:umu:diva-45168.

Full text
Abstract:
In this study a methodological approach is presented on how transactions in the secondary market for life insurance policies can be fairly priced for both policyholders and life settlement companies. Monte Carlo simulation of mortality on a pool constructed based on actual data of 85 life settlement transactions shows that a realistic assumption for the range of offered prices is limited to 15% and 20% of the face amount of the policy, given a required return of 7%. The power of the proffered pricing approach is ensured by assessing and managing mortality risk along with the other pertinent risks using stress testing, where mortality risk appears to be analogous to some extent with systematic risk on other markets of assets.
APA, Harvard, Vancouver, ISO, and other styles
28

Dreyfus, Anthony. "Big insurance companies face young Boston workers : responses to skill scarcity in a changing service industry and implications for school-business partnerships." Thesis, Massachusetts Institute of Technology, 1991. http://hdl.handle.net/1721.1/65678.

Full text
APA, Harvard, Vancouver, ISO, and other styles
29

Pelletier, Marianne S. "Factors Associated With Late Stage Diagnosis of Cervical Cancer in the United States." ScholarWorks, 2016. https://scholarworks.waldenu.edu/dissertations/2054.

Full text
Abstract:
Cervical cancer represents a significant public health problem in the United States. According to the Centers for Disease Control and Prevention, the prognosis is related to stage at diagnosis, with the 5-year survival rate being 91.2% for early stage disease and only 17.0% for those with late stage disease. There is a gap in the literature examining the association of insurance status with late stage cervical cancer diagnosis across a large segment of the United States population. There is also a gap in the literature examining women residing in the United States with late stage cervical cancer diagnosis and identifying their country of birth. Guided by Andersen's behavioral model of healthcare utilization, this study used the Surveillance, Epidemiology, and End Results database, which includes over 28% of the United States population. The independent variables used were insurance, country of birth, race/ethnicity, age at diagnosis, and marital status. The dependent variable was stage at diagnosis. This cross sectional study included data from 7,445 women across the United States for the years 2008-2012. Two-way tests of association and logistic regression were used to analyze the data. The logistic regression (full model) was statistically significant and found that women born outside of the United States have a lower risk of late stage cervical cancer diagnosis and that unmarried women have a greater risk of late stage diagnosis. This study should send a signal to healthcare providers, as well as public health organizations, to direct their actions toward targeting groups that are now being diagnosed with late stage disease.
APA, Harvard, Vancouver, ISO, and other styles
30

Struyven, Geert J. P. E. "EU accounting harmonisation : an analysis of the development, shaping and impact of the Insurance Accounts Directive in the UK, France and Germany." Thesis, Aberystwyth University, 1995. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.363135.

Full text
APA, Harvard, Vancouver, ISO, and other styles
31

Fowler, Philip. "Methods for improving covariate balance in observational studies." Doctoral thesis, Umeå universitet, Statistik, 2017. http://urn.kb.se/resolve?urn=urn:nbn:se:umu:diva-139523.

Full text
Abstract:
This thesis contributes to the field of causal inference, where the main interest is to estimate the effect of a treatment on some outcome. At its core, causal inference is an exercise in controlling for imbalance (differences) in covariate distributions between the treated and the controls, as such imbalances otherwise can bias estimates of causal effects. Imbalance on observed covariates can be handled through matching, where treated and controls with similar covariate distributions are extracted from a data set and then used to estimate the effect of a treatment. The first paper of this thesis describes and investigates a matching design, where a data-driven algorithm is used to discretise a covariate before matching. The paper also gives sufficient conditions for if, and how, a covariate can be discretised without introducing bias. Balance is needed for unobserved covariates too, but is more difficult to achieve and verify. Unobserved covariates are sometimes replaced with correlated counterparts, usually referred to as proxy variables. However, just replacing an unobserved covariate with a correlated one does not guarantee an elimination of, or even reduction of, bias. In the second paper we formalise proxy variables in a causal inference framework and give sufficient conditions for when they lead to nonparametric identification of causal effects. The third and fourth papers both concern estimating the effect an enhanced cooperation between the Swedish Social Insurance Agency and the Public Employment Service has on reducing sick leave. The third paper is a study protocol, where the matching design used to estimate this effect is described. The matching was then also carried out in the study protocol, before the outcome for the treated was available, ensuring that the matching design was not influenced by any estimated causal effects. The third paper also presents a potential proxy variable for unobserved covariates, that is used as part of the matching. The fourth paper then carries out the analysis described in the third paper, and uses an instrumental variable approach to test for unobserved confounding not captured by the supposed proxy variable.
APA, Harvard, Vancouver, ISO, and other styles
32

Ramström, Anders, and Peter Lindbom. "The Stress Test : Can it cause a financial apocalypse?" Thesis, Jönköping University, JIBS, Business Administration, 2005. http://urn.kb.se/resolve?urn=urn:nbn:se:hj:diva-255.

Full text
Abstract:

The life insurance business is currently going through a lot of changes. The turmoil in stock markets during the last years has made regulators realize that there is a greater need for risk management and solvency supervision in the business. Denmark was one of the first countries in Europe to react to this and in 2001 the Danish FSA implemented a stress test called the Traffic Lights System. This is a tool to measure various risks in different scenarios for financial institutions.

The purpose of this thesis is to analyze the effects of imposing a Danish style stress test on the Swedish life insurance market. In order to analyze the various effects of this stress test a theoretical framework consisting of fixed income securities and interest rate theory have been applied, since one of the largest risk a life insurer faces is the interest rate risk. Due to the fact that the Danish stress test is not fully applicable on the Swedish market, the authors created a model based on the Danish test to analyze Swedish life insurers. The model estimates the financial risks a life insurer faces. Analyzing the results based on the model, the authors found that three out of seven life insurers in the sample had solvency problems to various extend.

The authors conclude that a great part of financial risks within life insurers can be reduced by reallocating equity holding to bonds and by duration matching between assets and liabilities. The authors also conclude that Swedish life insurers are in better financial shape today than their Danish counterparts were in 2001, which is why less dramatic effect is to be expected on the Swedish financial markets as a result of imposing the stress test.

APA, Harvard, Vancouver, ISO, and other styles
33

Berger, Lisa, Karolina Johansson, and Alexander Yassin. "Due Diligence : En jämförelse av riskkapitalister och uppdragstagare." Thesis, Växjö universitet, Ekonomihögskolan, EHV, 2008. http://urn.kb.se/resolve?urn=urn:nbn:se:vxu:diva-5104.

Full text
Abstract:
Bakgrund:   Företagsförvärv har under den senare delen av 1900-talet uppvisat en stadigt uppåtgående utvecklingsriktning. För att minimera riskerna för ett misslyckat företagsförvärv genomför köparen en granskning av förvärvsobjektet, en så kallad due diligence. Syftemålet med en due diligence är att förvissa sig om att förvärvsobjektet inom rimliga gränser motsvarar det som köparen förväntar sig. Syfte:   Att kartlägga om och i så fall hur, skillnader i utförandet av en due diligence föreligger mellan riskkapitalister och uppdragstagare. Identifiera huruvida det existerar ett gap samt hur det ser ut, mellan den normativa teorin och jämförelseobjektens utförande av en due diligence i praktiken. Förklara eventuella skillnader och gap med stöd av positiva teorier. Metod:   I vår uppsats har vi använt oss utav ett positivistiskt synsätt och tillämpat ett abduktivt angreppssätt. Vi har samlat in vår empiri genom semi-strukturerade intervjuer med riskkapitalister och de som utför en due diligence på uppdrag av andra. Slutsats:   Vi har genom vår studie kunnat kartlägga att det existerar skillnader i utförandet av en due diligence mellan riskkapitalister och uppdragstagare. Vi har också identifierat att det föreligger gap mellan den normativa teorin och respondentgruppernas utförande av en due diligence i praktiken. Vi kan även konstatera att de skillnader som föreligger mellan riskkapitalisterna och uppdragstagarna kan förklaras med insurance theory och principal agentteorin. Vad de två teorierna beskriver, präglar hela utförandet av en due diligence.
APA, Harvard, Vancouver, ISO, and other styles
34

Tang, Guiyao. "Market density and organizational imitation : the moderating effect of symbiotic strategic partnership." HKBU Institutional Repository, 2011. http://repository.hkbu.edu.hk/etd_ra/1270.

Full text
APA, Harvard, Vancouver, ISO, and other styles
35

Karlsson, Nadine. "Prospective cohort studies of disability pension and mortality in a Swedish county /." Stockholm : Karolinska institutet, 2007. http://diss.kib.ki.se/2007/978-91-7357-204-0/.

Full text
APA, Harvard, Vancouver, ISO, and other styles
36

Eklund, Malin, and Åsa Gustafsson. "Förtroendekriser : en studie av svenska livförsäkringsbolag." Thesis, Linköping University, Department of Management and Economics, 2004. http://urn.kb.se/resolve?urn=urn:nbn:se:liu:diva-2180.

Full text
Abstract:

Background: The Swedish life-insurance business has been extensively criticised lately due to broken promises to customers as well as due to scandals that some companies within the business have been involved in. The companies within the Swedish life-insurance business find themselves in a so- called crisis of confidence, something that is created in and by media. A company that finds itself in a crisis of confidence somehow have to manage the situation and crises of confidence can also result in different kinds of changes.

Purpose: The aim of this thesis is to explore and analyse how individual life- insurance companies manage crises of confidence. As a consequence, the aim is also to investigate in what way crises of confidence are initiators to change.

Procedure: The study has been conducted through seven qualitative interviews with individuals holding a managerial position within a Swedish life-insurance company.

Findings: Essential for managing crises of confidence is communication and information mainly to media, but also to customers and employees. Further, a higher level of clarity and transparency in products and activities, together with increased control of ethical policies, are aspects that have been shown to be of importance in managing the crisis of confidence within the Swedish life- insurance business. The crisis of confidence has generated changes, but it can not be decided with certainty if these changes have been initiated only by the crisis of confidence, or if the changes would have been carried through anyway. What can be established, is that the crisis of confidence has speeded up already planned changes.

APA, Harvard, Vancouver, ISO, and other styles
37

Faridpour, Arezoo, and Una Gutlic. "Att leda genom motstånd till förändring : En kvalitativ studie om ledarskap på Försäkringskassan." Thesis, Högskolan i Borås, Akademin för vård, arbetsliv och välfärd, 2019. http://urn.kb.se/resolve?urn=urn:nbn:se:hb:diva-15969.

Full text
Abstract:
Genom alla år har Försäkringskassan funnits till för människans sociala trygghet. Tanken är att det ska finnas hjälp när det behövs, såsom vid sjukdom och funktionsnedsättning, bidrag till barn etc. Det vill säga att människor fortfarande ska få chansen till trygghet trots att livet väljer att ta en ny vändning. Dock har Försäkringskassan fått mycket kritik mot sig och blivit ifrågasatt många gånger kring ledningens arbete. Vårt syfte med denna kvalitativa studie var att få en större inblick om ledarskapet på Försäkringskassan samt hur den påverkas genom förändring och motstånd. Därmed valde vi att intervjua sex enhetschefer som arbetar på Försäkringskassan, där de fick chansen att yttra sig frivilligt genom en semistrukturerad intervju. Vi ansåg att denna metod var den mest effektiva för att kunna förstå innebörden av ledarskapet under förändringar och motstånd. Med hjälp av vår teori kunde vi genom vår analys komma fram till att enhetscheferna uppfattar sitt ledarskap som transformativt. Vår analys har gett oss svar på att alla enhetschefer på Försäkringskassan uppfattar sig själva som transformativa ledare. Vi har även kommit fram till att deras ledarskapsstil spelar en stor roll i hur de bekämpar motstånd som uppkommer genom förändringar inom organisationer. Det vill säga hur de har valt att hantera förändringarna och motstånden i organisationen. Resultatet försäkrade oss om att enhetschefer hade mycket gemensamt gällande sitt ledarskap. Respondenterna använde sig utav samma begrepp såsom kommunikation, lyhördhet och tillgänglighet för att leda genom motstånd vid förändring.
The Swedish Social Insurance Agency (Försäkringskassan) has through the years aimed to support the social security system. The idea is that there should be assistance when needed, such as providing financial security in the event of illness, disability and for families with children. The vision behind this is a society where people can get a chance to feel secure even when life takes an unexpected turn. However, the Social Insurance Agency has received a lot of criticism about their management and their work has been questioned many times. Our aim with this qualitative study is to obtain a greater insight into the leadership of the Swedish Social Insurance Agency and how it is affected by change and resistance. Thus, we chose to interview six head of unit managers who work at the Swedish Social Insurance Agency where they were given the opportunity to speak freely through a semi-structured interview. We felt that this method was the most effective one in order to understand the meaning of leadership during changes and resistance. With the help of our theory, through our analysis, we could find that the managers perceive their leadership as transformative and that they perceive themselves as transformative leaders. We also came to the conclusion that their leadership style plays a major role in how they combat resistance that arises through changes within organizations. That is, how they have chosen to handle the changes and the oppositions in the organization. The result assured us that that unit managers have a lot in common regarding their leadership. The respondents used the same concepts such as communication, responsiveness and accessibility/availability to lead through resistance during change.
APA, Harvard, Vancouver, ISO, and other styles
38

Kpedor, Dorm. "Personification in Advertising: A Rhetorical Analysis of Digital Video Ads in the Insurance Industry." Digital Commons @ East Tennessee State University, 2021. https://dc.etsu.edu/etd/3894.

Full text
Abstract:
Major companies in the insurance industry—notably Allstate, Progressive, and Farmers—often employ personification as a creative rhetorical tool in digital video advertisements. By leveraging brand characters in various ways, these companies seek to establish trust and engender emotional impact in customers. Allstate ascribes destructive characteristics that are associated with house cats to its Mayhem character; in doing so they evoke the desired emotional responses of humor and fear. Progressive creates and deploys the Motaur character, a visual personification and play on the Centaur; in this case, the company’s rhetorical strategy is to evoke humor and nostalgia that resonate with motorcycle owners. Farmers’ strategy is to win customers by demonstrating experience and empathy; they do so with the Professor Burke character, whose professorial ethos functions to evoke feelings of trust. I employ the Elaboration Likelihood Model (ELM) in my analysis to explore the relationships between personification, emotional appeals, and persuasion.
APA, Harvard, Vancouver, ISO, and other styles
39

André, Karin, and Johanna Brunge. "The Swedish Insurance Sector’s View on Climate Risks - Adaptation Strategies to the consequences of current weather variations and expected climate change." Thesis, Linköping University, Department of Thematic Studies, 2005. http://urn.kb.se/resolve?urn=urn:nbn:se:liu:diva-130.

Full text
Abstract:

In recent years Sweden has been struck by several cases of weather related property damage resulting from the severe flooding in 2000, 2002 and the storm Gudrun at the beginning of 2005. The importance of strategies enabling society to adapt to coming changes in weather patterns has been confirmed by the Intergovernmental Panel on Climate Change (IPCC) as well within the international and national policy arena. It is reasonable to believe that the insurance sector would be among the first within the financial realm to feel the effects of expected climate change. This qualitative study aims to investigate how the Swedish insurance sector relates and deals with the consequences of current weather variations and expected climate change. Research areas of importance concern 1.The role of the insurance sector. 2. Knowledge and other actors and 3. Adaptation strategies, current and future.

Comprehensive theories regarding adaptive strategies have been applied to the insurance company’s operations. The empirical material is based on interviews with relevant employees at the four largest insurance companies in Sweden as well with the Swedish Meteorological and Hydrological Institute (SMHI) and the Swedish Insurance Federation. The overall results show that the insurance sector considers the climate issue to be important to future operations; however, since Sweden has not yet been affected by climate change, they prefer, at this time at least, to monitor developments and gather knowledge. Due to their position on this matter, the insurance sector’s role in the climate debate is, generally speaking, considered to be minor whereas the more important actors are authorities, municipalities and the government. Reinsurance companies are seen as a significant player in the market due to many factors; most note ably that they indirectly have the capacity to affect the entire Swedish insurance sector by raising the costs for reinsurance premiums. However, the climate change issue is of importance yet, of higher relevance is adaptation to present weather variations.

APA, Harvard, Vancouver, ISO, and other styles
40

Bourgeois, Edouard, and Fatmir Stublla. "How is remuneration used in Bank, Financial, and Insurance companies to retain employees in France and Kosovo?" Thesis, Växjö University, School of Management and Economics, 2008. http://urn.kb.se/resolve?urn=urn:nbn:se:vxu:diva-2219.

Full text
APA, Harvard, Vancouver, ISO, and other styles
41

Ansari, Hina. "Inequities in access to health care by income and private insurance coverage : a longitudinal analysis." Thesis, McGill University, 2007. http://digitool.Library.McGill.CA:80/R/?func=dbin-jump-full&object_id=112378.

Full text
Abstract:
In 1997, the UK's Labour government introduced several health policy changes, including plans for greater collaboration with private providers. Building on previous cross-sectional research, we explore longitudinal inequities in physician access as these policy changes were materializing. Using GEE models we examine the effect of income and private health insurance (PHI) coverage on access to physicians in the general UK population from 1997 to 2003. The study finds no income inequities in GP access. In contrast, those in the highest income quintile are more likely to access consultants overall (OR:1.10, CI: 1.01,1.19), particularly private consultants (OR:2.49, CI:1.80,3.44). Not surprisingly, PHI is a strong predictor of private consultant access (OR:8.72 CI: 7.04,10.82), but a weak predictor of overall consultant access (OR:1.09, CI:1.01, 1.17). None of these findings exhibited significant time trends across the years of study, thus indicating that the existing inequities remained stable in the UK, despite the aforementioned reforms.
APA, Harvard, Vancouver, ISO, and other styles
42

Voss, Margaretha. "Work and health : epidemiological studies of sickness absence and mortality with special reference to work environment, factors outside work and unemployment /." Stockholm, 2002. http://diss.kib.ki.se/2002/91-7349-125-X.

Full text
APA, Harvard, Vancouver, ISO, and other styles
43

Koehlmoos, Tracey Lynn. "Racial Disparities in Breast Cancer Surgical Treatment and Radiation Therapy Use." Scholar Commons, 2005. https://scholarcommons.usf.edu/etd/728.

Full text
Abstract:
This study explores the relationship between race and surgical treatment and radiation therapy use for localized breast cancer patients in the state of Florida in 2001. The study will be useful in raising awareness of the relationship between Black race and appropriate breast cancer treatment within the Florida Cancer Data System. The Healthy People 2010 initiatives call to eliminate racial disparities and the high placement of breast cancer on the national research agenda make this study timely and insightful for health policymakers, clinicians and other health researchers. Also, the study evaluates the effect of other health system and patient related factors such as insurance provider and rural versus urban residence, to the appropriate use of cancer therapy in order to present an up-to-date and accurate picture of the quality of breast cancer care for women in the state of Florida. The study used multivariate logistic regression modeling and chi-square distribution to compare models in order to disentangle the effects of age, rural residence, marital status and primary health insurance provider from race and to determine how these factors influenced breast conserving surgery versus mastectomy use. Further, the second research question exclusively focused on the population that received breast conserving surgery in order to examine the impact of race and the other covariates as explanatory measures of appropriate receipt of radiation therapy. The first hypothesis found that there was no statistically significant difference between Black and White women in terms of receipt of breast conserving surgery for treatment of localized breast cancer. The second hypothesis, which focused on appropriate receipt of radiation therapy following breast conserving surgery, found that there was a statistically significant interaction between Black race and Medicaid as primary health insurance provider. The study concludes by examining possible areas of improvement in data collection in the State of Florida. Also, the study contains recommendations as to previously unexplored facets of breast cancer research and breast cancer health policy that could be beneficial in the reduction of health and healthcare disparities in other geographic areas and in other diseases.
APA, Harvard, Vancouver, ISO, and other styles
44

Fletcher, Rebecca Adkins. "There and Back Again: Applying Regional Health Disparities to Contextualize the Affordable Care Act." Digital Commons @ East Tennessee State University, 2016. https://dc.etsu.edu/etsu-works/515.

Full text
APA, Harvard, Vancouver, ISO, and other styles
45

Schmidt, Marta [Verfasser], and Hans Jürgen [Akademischer Betreuer] Rösner. "Studies on health care expenditures and inclusive health insurance systems for low-income groups in India / Marta Schmidt. Gutachter: Hans Jürgen Rösner." Köln : Universitäts- und Stadtbibliothek Köln, 2015. http://d-nb.info/1067228640/34.

Full text
APA, Harvard, Vancouver, ISO, and other styles
46

Banda, Musale Hamangaba. "A critical analysis of the management of climate change risk among short-term insurers in South Africa: evidence from company annual reports." Thesis, Rhodes University, 2009. http://hdl.handle.net/10962/d1003943.

Full text
Abstract:
This study investigates the extent to which South African short-term insurance companies manage climate change risk, as evidenced in their annual and sustainability reporting. The study context takes into account the fact that the world’s climate has been changing at a more accelerated rate since the early 1970s, causing disasters that have negatively affected world economies in the last ten years. Insurers, due to their huge financial resource base, long history of spurring innovation around risk and encouraging loss-reducing behaviour as well as high levels of vulnerability, have been identified as one industry that could lead societies in finding solutions to climate change risk. A key element of such a corporate resolve involves taking a leadership position which makes business sense for insurers. As such, this research analyses how innovative solutions to change-related problems could result in reduced exposure to climate change in line with corporate triple bottom line objectives. Based on a purposive sampling of short-term insurance companies operating in the South African market during the 2007 financial year, the study uses the companies’ annual and sustainability reports in order to critically assess evidence of climate change-related performance. The assessment is undertaken against the best practice indicators of climate change risk management, as defined by Ceres – a global researcher on climate change management in the business context. The data analysis is largely qualitative, consisting of a narrative presentation of the results and a conceptual application of the results to the triple bottom line which forms the theoretical framework of this study. The study finds that the South African short-term insurers were generally not living up to the climate change management ideals, in comparison to their multinational counterparts. For the South African short-term insurers, corporate strategic product innovation and planning was insignificant. Also negligible was board involvement, as well as CEO involvement, though in at least one case of the 4 local short-term insurance, there was evidence of extensive CEO involvement in climate change risk management. On the whole, these findings represent a lapse in corporate governance inasmuch as climate change risk management is concerned. Local short-term insurers generally performed well in the area of public disclosure, with their scores ranging from insignificant to extensive. In contrast, multinational short-term insurers’ performance with regard to climate change risk intervention ranged from insignificant tointegrated, across the five governance areas of board oversight, management execution, public disclosure, emissions accounting and strategic planning. As such, the study broadly recommends that short-term insurers in South Africa should make climate change part of their overall risk management strategies in order for them to remain competitive in an environment of increased climate change-related risk. More specifically, the research project recommends that the local insurers should proactively lead climate change mitigation measures through, for instance, investing in clean energy projects and incentivising their clients’ participation in the carbon market to prepare themselves for possible regulatory restrictions after the Copenhagen climate change conference planned for December 2009. This study also challenges insurers to help communities and as well as other businesses in their value chain to reduce their negative impacts on the world’s climate and to be more resilient against disasters which may arise from the high levels of greenhouse gases already in the atmosphere. Further, it recommends that insurers should create internal board and executive level climate change-related structures, as these will facilitate the integration of the proposed initiatives into their overall sustainability strategies. Above all, the study recommends that insurers should enhance the reporting of their climate change-related risk, opportunities and initiatives to improve their integrity.
APA, Harvard, Vancouver, ISO, and other styles
47

Juuso, Per-Martin. "Försäkringskassan- effektiv och/eller rättssäker?" Thesis, Växjö University, School of Social Sciences, 2008. http://urn.kb.se/resolve?urn=urn:nbn:se:vxu:diva-1928.

Full text
Abstract:

The public administration and its officials have a number of values which they have to relate to in their work. The values are a set of democratic and economic values.

This study’s purpose is to examine how the officials at the National Insurance Office in Sweden give priority to these values. The study is performed by interviews with officials at two insurance offices.

The study shows that the officials in a high degree value the democratic values legal security and public ethics. In turn they experience that productivity, which is an economic value, is being promoted in a high degree from the management. The focus on productivity leads to a reduced legal security.

APA, Harvard, Vancouver, ISO, and other styles
48

Olofsson, Johan. "The Welfare State and Attitudes to Free Movement : How does the design of the social insurance system associate with public attitudes towards free movement in receiving EU countries?" Thesis, Uppsala universitet, Statsvetenskapliga institutionen, 2020. http://urn.kb.se/resolve?urn=urn:nbn:se:uu:diva-403455.

Full text
Abstract:
The EU is faced with problems related to the unrestricted access to national welfare states of mobile EU workers. These problems are mainly framed by the growing opposition to the free movement of workers. The strongest contributing factor to these negative attitudes has commonly said to be actor-based, i.e. the media or political elites. However, more recent research has been shifting the focus to institutions as explanatory factor. I raise the question of to what extent individuals’ attitudes towards the free movement of workers are associated with their exposure to different welfare state institutional contexts. More specifically I explore the role of “earnings-relatedness” in specific social insurances for the attitudes of potential benefit claimants. Analyzing 12 EU/EFTA countries who are net receivers of mobile EU workers I find that in welfare state contexts with a high degree of earnings-relatedness the opposition to free movement is significantly lower than otherwise among the unemployed. Furthermore, I discover that these observations seem to vary depending on what part of the social insurance system one is analyzing.
APA, Harvard, Vancouver, ISO, and other styles
49

Palmén, Sara, and Avare Suleyman. "CEO remuneration in listed European insurance companies : Trends and justifications over the years 2005-2009." Thesis, Jönköping University, JIBS, Business Administration, 2010. http://urn.kb.se/resolve?urn=urn:nbn:se:hj:diva-12379.

Full text
Abstract:

In the ever so increasingly competitive business climate of the 21st century, human resources are vital for corporate success. Employees need proper incentives to perform in goal-oriented manners. Incentive systems, especially Chief Executive Officer [CEO] remunerations, have been a popular topic since the 1990s, and this tendency has increased both during the 2002-2003 corporate scandal era, as well as the financial crisis which sparked in 2007. The recent tendency appears to lean towards companies cutting their executive bonuses as well as criticism and suspiciousness towards large bonus payments. While remuneration policies within the banking industry have been thoroughly debated and researched, another financial industry that is left largely untouched are the insurance companies. The focus of this research is therefore CEO remuneration in European insurance companies.

This descriptive study, of annual reports of stock-listed insurance companies, uses a purposive cluster sample to explore quantitative trends in CEO remunerations. In addition, a content analysis of five randomly selected companies out of the sample provides a deeper, complementary understanding of the justifications of the trends. The research questions are: What trends on CEO remuneration can be found over the years 2005-2009 in annual reports of European insurance companies, concerning total remuneration, fixed salary and short-term bonus? What justifications do companies make for the remunerations over the years 2005-2009?

The quantitative part of the research inductively tests the assumption that CEO remuneration has decreased during the past few years 2008 and/ or 2009 due to the impact of the financial crisis. The content analysis part of the research deductively tests if agency theory concerns and issues concerning attraction and retention play a role in determining remuneration policies.

From this research, it is concluded that short-term variable pay is largely performance-based. Still, many other aspects serve as input factors when determining compensation levels. Based on the content analysis, it is revealed that interest alignment and attraction- and retention-issues are important determinants of remunerations. Subjective factors such as discretionary judgements also play a crucial role. The quantitative trends found in this study show that total remunerations have decreased markedly in 2008, and more vaguely in 2009. The financial crisis has had an impact on especially the short-term variable part of salaries, but also on base salary levels. Although not all companies that were investigated in the content analysis explicitly mention it in their annual reports, over the years 2005-2009, all of them become more concerned about remuneration policies and business risk factors. Over the investigated years, these companies also become more attentive to creating proactive and sophisticated value creating remuneration policies that are in line with international standards, in order to act legitimate towards stakeholders.

APA, Harvard, Vancouver, ISO, and other styles
50

Arnett, Charles A. (Charles Augustus). "A Case Study of the Use of Activity-Based Analysis as an Information Resource Management Tool." Thesis, University of North Texas, 1994. https://digital.library.unt.edu/ark:/67531/metadc279172/.

Full text
Abstract:
The purpose of the study was to investigate a modification of a managerial accounting technique, Activity-Based Costing (ABC), as a tool for addressing Information Resource Management (IRM) concerns within business processes. To indicate that ABC has been adapted for the IRM context, this study called the tool "Activity-Based Analysis" (ABA). ABA includes ABC's costing methodology as well as additional methods to address broader issues. The research method was a single-site case study at a property and casualty insurance company. The unit of analysis was a business process consisting of activities needed to provide claims handling services for workers' compensation insurance. Four questions guided the study: 1. Did ABA identify management information required to monitor process effectiveness and efficiency? 2. Did ABA support outsourcing decision making by identifying IRM cost components within business processes? 3. Did ABA identify information resources; that are sharable? 4. Did ABA identify differences between Company organizational characteristics andIRM department organizational characteristics?
APA, Harvard, Vancouver, ISO, and other styles
You might also be interested in the bibliographies on the topic 'Insurance studies' for other source types:
Journal articles Books
We offer discounts on all premium plans for authors whose works are included in thematic literature selections. Contact us to get a unique promo code!

To the bibliography