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Making Insurance Work for Microfinance Institutions : a Technical Guide to Developing and Delivering Microinsurance.
Provides a guide for managers of microfinance institutions (MFIs) on the design and operation of basic insurance products. Introduces fundamental insurance concepts, outlines the prerequisites needed for an MFI and describes the key features of five types of microinsurance products covering life and...
| Clasificación: | Libro Electrónico |
|---|---|
| Autor principal: | |
| Formato: | Electrónico eBook |
| Idioma: | Inglés |
| Publicado: |
Geneva :
International Labour Office,
2003.
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| Temas: | |
| Acceso en línea: | Texto completo |
Tabla de Contenidos:
- TABLE OF CONTENTS; ACKNOWLEDGEMENTS; PREFACE; INTRODUCTION; Chapter 1 INSURANCE FUNDAMENTALS; 1.1 The Insured Event; 1.2 Benefit Design: How Much is Paid to Whom?; 1.3 Design Features; 1.4 Premiums: Paying for Insurance; 1.5 Claims; 1.6 Other Considerations; Further Reading on Insurance Fundamentals; Appendix 1; Chapter 2 INSURANCE PREREQUISITES; 2.1 Does the MFI have the Capacity to Offer Insurance?; 2.2 Is there a Demand for Microinsurance?; 2.3 Who Else Offers Insurance and Microinsurance?; 2.4 Is it Legal to Offer Microinsurance?; 2.5 Data; Further Reading on Insurance Prerequisites.
- Appendix 2Chapter 3 FIVE MICROINSURANCE PRODUCTS; 3.1 The Life Insurance Spectrum; 3.2 The Five Recommended Products; Further Reading on Product Features; Chapter 4 INSURANCE OPERATIONS; 4.1 Back Office Operations; 4.2 Field Operations; Further Reading on Insurance Operations; Appendix 4; Chapter 5 OUTSOURCING RISK AND RESPONSIBILITY; 5.1 Outsourcing the Business to an Insurer; 5.2 Outsourcing Risk through Portfolio Insurance; 5.3 Outsourcing through a Separate Unit; 5.4 Outsourcing Risk through Reinsurance; 5.5 Outsourcing by Long-term Contracting of Specific Activities.
- 5.6 Outsourcing Individual Activities to Consultants5.7 Conclusion; Further Reading on Outsourcing; Appendix 5; Chapter 6 MANAGERIAL CONTROL; 6.1 Accounting Transactions; 6.2 Financial Management; 6.3 Monitoring; Further Reading on Managerial Control; Chapter 7 PRICING; 7.1 Experience Rating; 7.2 Trends and Changes within the Investigation Period; 7.3 Pricing New Products; 7.4 Pricing for Other Insurance Benefits; 7.5 Conclusion; Glossary; Bibliography; Index; TABLE OF TABLES; Table 0.1 Conditions for Developing Insurance to Cope with Death Risks.
- Table 2.1 Microinsurance Activities and ResponsibilitiesTable 3.1 Diversity and Complexity of Life Insurance Products; Table 3.2 The Five Products; Table 3.3 Waiting Periods for the Five Products; Table 4.1 Determining the Training and Motivational Implications of Insurance; Table 4.2 Techniques for Selling Microinsurance; Table 5.1 Due Diligence Checklist for Identifying an Insurance Partner; Table 5.2 Roles and Responsibilities in Outsourcing the Additional Lives Product; Table 5.3 Strengths and Challenges of Outsourcing the Business.
- Table 5.4 Strengths and Challenges: Outsourcing to a Separate UnitTable 5.5 Strengths and Challenges: Outsourcing through Reinsurance; Table 5.6 Strengths and Challenges of Outsourcing through Long-term Contracts; Table 5.7 Strengths and Challenges of Outsourcing to Consultants; Table 5.8 Primary Objectives of the Two Parties; Table 5.9 Financial Information on AIG/FU GPA Insurance; Table 6.1 Transactions with Portfolio Insurance; Table 6.2 Transactions for MFI Agents; Table 6.3 Essential New Accounts for Insurance Activities; Table 6.4 Specialty Transactions for Life Insurance.