This 8 page report discusses financial market issues in the United Kingdom focussing on the differences between long term (life) insurance and short term (general) insurance. Since many personal insurance products are actually savings products, financial institutions and insurance companies have realized that a great potential exists for cost savings through a joining of forces. As that has happened, the determinants of value and changes in probabilities have all occurred. Bibliography lists 10 sources.

3 pages in length. Like so many other industries where products and services are being homogenized to the point of becoming a valueless commodity, Yalom (2003) worries about the upcoming generation of mental health professionals whose essential training resources are quickly dwindling under the weight of economic cutbacks, insurance games and the ongoing pressure to dangerously speed up the therapeutic process. No additional sources cited.

This 14 page paper discusses the statement "As an organisation we pay a lot of money on insurance. There is therefore no need for us to invest time and resources in other methods of loss management." The paper discusses this looking at what losses insurance can cover, alternatives to insurance, the need for a cost benefit analysis, responsibility and the influence of asymmetrical information and moral hazard. The bibliography cites 10 sources.

A 16 page paper reviewing this article (Journal of Economic Perspectives, Summer 1995) examining trends in consumption insurance in selected regions of India, Thailand and the Ivory Coast. The author maintains that the availability of better insurance can result in marked improvement in the condition of farmers in developing countries, and that improved financial systems can be beneficial to farmers in creating passive incomes as well as providing means of protecting the assets they have worked so hard to accumulate. The author’s results and conclusions appear to be valid to the degree that they can be explained in terms of his theory of full insurance, but his discovery of facts uncovered leads to opportunities for further research; inclusion of a qualitative component; and consideration of the situation in developed economies where insurance is becoming less accessible to increasing numbers of households. Bibliography lists 8 sources.

A 4 page letter to Senator Bill Frist, M.D., describing a citizen’s view of his inability to purchase health care insurance. A large and growing percentage of the American people are unable to afford any health care insurance of any kind, yet do not qualify for social assistance programs. While those who can afford insurance can buy it and those who live in poverty have full access to public health care programs, many of those of us who cannot afford either health care or health care insurance earn just enough that we also do not qualify for public assistance of any kind. Bibliography lists 3 sources.