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Types of insurers and marketing systems

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Reference no: EM132530334

Part 1

What is the meaning of the term reinsurance?

Explain the reasons for reinsurance.

Explain the term securitization of risk.

Part 2

What unfair trade practices are each of the following insurance agents violating? Explain the terms that you use.

Agent Jones offers a client to pay a portion of the premium if the client purchases a policy.

Agent Peterson convinces a client to replace a life insurance policy with a new policy that adds little value.

Part 3

Julia owns a building worth $800,000. She insures the building for $300,000 with Company A, $400,000 with Company B, and $100,000 with Company C. There is a fire, and the building sustains $100,000 in damage.

How much will Julia collect in insurance?

How much will each company pay?

What insurance term describes this situation?

What is its purpose?

Reference no: EM132530334

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