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Die Reform des VVG im Jahre 2008 hat insbesondere in der Lebensversicherung zu Veränderungen geführt. Die Kommentierung bezieht sich bei der Lebensversicherung nicht nur auf die neugefassten bzw. wieder aufgenommenen gesetzlichen Vorschriften, sondern auch auf die Bedingungswerke. Im Gegensatz zum Erscheinungszeitpunkt der Vorauflage kann heute von einem die gesamte Lebensversicherung kennzeichnenden und verbreiteten Bedingungswerk nicht mehr gesprochen werden. Die Bedingungswerke stehen in der Lebensversicherung gleichrangig - auch im Hinblick auf ihre Verbreitung - nebeneinander. Daher sind die Bedingungswerke - soweit nötig und möglich - in die Kommentierung der einzelnen gesetzlichen Vorschriften integriert worden. Weichen wichtige Bedingungsklauseln vom Gesetzestext ab, so findet sich ihre Kommentierung gleichfalls teilweise in die Gesetzeserläuterungen einbezogen, teilweise auch in eigenen Abschnitten. Ebenso wie in der Vorauflage werden auch wesentliche Teile der Gruppenlebensversicherung - immerhin rund 30 % der Lebensversicherungsverträge - mit behandelt. Darüber hinaus werden auch über die gesetzlichen Regelungen hinausgehende wichtige Rechtsprechung erörtert, z.B. zur Zession oder zur Zweitmarktproblematik, zur Verpfändung, zur Zwangsvollstreckung, zur erbrechtlichen Ausgleichsberechtigung und zum des für die Altersvorsorge besonders wichtigen Pfändungsschutzes.

Life insurance --- Insurance, Life --- Insurance --- Viatical settlements --- Law and legislation --- Germany. --- Insurance Contract (Commentary).

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Based on extensive original research this work explores the attitudes of Japanese employees towards their work, their company and on related issues, and finds they are much more complicated than those portrayed by Western stereotypes.

Industrial relations. --- Insurance, Life. --- Insurance, Life - Japan - Management. --- Life insurance. --- National characteristics, Japanese. --- Social Science. --- Business. --- Life insurance --- Industrial relations --- National characteristics, Japanese --- Insurance --- Finance --- Business & Economics --- Management --- Management. --- J4360 --- J4350 --- Insurance, Life --- -Industrial relations --- -National characteristics, Japanese --- Japanese national characteristics --- Capital and labor --- Employee-employer relations --- Employer-employee relations --- Labor and capital --- Labor-management relations --- Labor relations --- Employees --- Viatical settlements --- Japan: Economy and industry -- business methods and management --- Japan: Economy and industry -- labor and employment

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In classical life insurance mathematics the obligations of the insurance company towards the policy holders were calculated on artificial conservative assumptions on mortality and interest rates. However, this approach is being superseded by developments in international accounting and solvency standards coupled with other advances enabling a market-based valuation of risk, i.e., its price if traded in a free market. The book describes these approaches, and is the first to explain them in conjunction with more traditional methods. The various chapters address specific aspects of market-based valuation. The exposition integrates methods and results from financial and insurance mathematics, and is based on the entries in a life insurance company's market accounting scheme. The book will be of great interest and use to students and practitioners who need an introduction to this area, and who seek a practical yet sound guide to life insurance accounting and product development.

Insurance, Life --- Pension trusts --- Insurance, Pension trust guaranty --- Insurance --- Policies --- Mathematics --- 368 --- Verzekeringswezen --- Life insurance policies --- Pension trust guaranty insurance --- Mathematics. --- 368 Verzekeringswezen --- Employee pension trusts --- Pension funds --- Pension plans --- Trusts and trustees --- Insurance policies --- Double indemnity --- Life insurance --- Living benefits --- Business mathematics --- Actuarial science --- Disability benefits --- Viatical settlements --- Insurance, Life - Policies - Mathematics --- Pension trusts - Mathematics --- Insurance, Pension trust guaranty - Mathematics --- Insurance - Mathematics --- Mathematical Sciences --- Probability

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Insurance --- Automobile insurance --- Homeowners insurance --- Life insurance --- Older consumers --- Retirement --- Finance --- Business & Economics --- Older people --- Superannuation --- Termination of employment --- Leisure --- Old age --- Insurance, Life --- Viatical settlements --- Automobile collision insurance --- Automobile liability insurance --- Collision insurance, Automobile --- Insurance, Automobile --- Liability insurance, Automobile --- Assurance (Insurance) --- Coverage, Insurance --- Indemnity insurance --- Insurance coverage --- Insurance industry --- Insurance protection --- Mutual insurance --- Underwriting --- Insurance, Homeowners --- Purchasing

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Insurance companies routinely use an individual's medical history and family medical history in determining eligibility for life insurance; this is part of the process of medical underwriting. Insurers have also long used genetic information, often derived from family history, in underwriting. But rapid advances in gene identification and genetic testing are changing the way we look at genetic information. Should the results of genetic testing (which might identify a predisposition toward disease not related to medical history) be available to life insurance medical underwriters? Few if any life insurers currently require genetic testing, but there are no laws or regulations prohibiting its use. Genetics and Life Insurance examines the complex economic, legal, and social issues surrounding the use of genetic information in life insurance underwriting. The contributors are legal scholars, representatives of the life insurance industry (including an actuary and an insurance physician), a geneticist, a genetic counselor, a philosopher, and a consumer advocate. They explore all aspects of an issue that has only recently drawn the attention of policymakers and the public.The book opens with a report on the results of a public opinion poll on genetics and life insurance. Succeeding chapters present the insurer perspective, a discussion of the economics of risk selection in life insurance, background information on the process of underwriting, a scientific analysis of genetic risks and mortality rates, a philosophical discussion of fairness and genetic underwriting, the viewpoints of consumers and genetics counselors, a comparison of different international policy approaches to the issue, and a legal analysis of antitrust implications when insurers collaborate in setting standards for medical underwriting. In the final chapter the editor addresses various policy options, examining the pros and cons of each one and assessing their political feasibility.

Life insurance --- Genetics --- Bioethics --- Insurance, Life. --- Bopetjoca; Ossies/ --- Genetics. --- Biology --- Biomedical ethics --- Life sciences --- Life sciences ethics --- Science --- Embryology --- Mendel's law --- Adaptation (Biology) --- Breeding --- Chromosomes --- Heredity --- Mutation (Biology) --- Variation (Biology) --- Genetic Structures --- Genetic Phenomena --- Life Insurance --- Insurances, Life --- Life Insurances --- Medical examinations --- Moral and ethical aspects --- bio-ethiek (medische, biomedische ethiek, bio-ethische aspecten) --- genetica (genen) --- genetisch onderzoek --- medisch onderzoek --- bioéthique (éthique médicale, biomédicale, aspects bioéthiques) --- génétique (gènes) --- recherche génétique --- examen médical --- Bioethics. --- Medical examinations.