Publisher's Synopsis
Excerpt from Optimizing Claims Fluctuation Reserves
Some thirty years ago group insurance did not exist for all practical purposes. A number of conditions led to developments which has made group insurance today a multi-billion dollar business Although the principles of insurance are the same, the effects of individual insurance and group insurance are quite different. In individual insurance the insured transfers for a premium the risk of the unknown financial consequences to the insurer. In group insurance, the financial consequences, although unknown are much more predictable, allowing a shift of most or.
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