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This current, accurate and detailed industry guide for financial service professionals examines life and health insurance "simultaneously from the viewpoints of the buyer, the advisor, and the insurer"--providing a comprehensive and unbiased treatise on individual and group life; a forthright appraisal of life and health insurance industry products with careful consideration of the environment; and a complete examination of life insurance company operations and regulation. Bases financial treatment of life insured operations on modern financial theory, and devotes entire chapters to the economics of life and health insurance; individual life and health insurance policies; life and health insurance evaluation; the uses of life and health insurance in personal and business planning; government and employee benefit plans; and the management, operation, and regulation of life insurance companies. Offers a strong global orientation, supporting fundamental concepts with an extensive integration of economic and financial theory and international comparisons, and examines how today's health insurance products fit into a broad framework from a contractual, cost, and performance viewpoints. New chapters on the tax treatment of life and health insurance address such areas as estate planning, retirement planning, and the business uses of life and health insurance. For financial planners, salesmen, actuaries, investment managers, attorneys, CPAs, and other financial service professionals.

Although managed health care is a hot topic, too few discussions focus on health care rationing--who lives and who dies, death versus dollars. In this book physician and bioethicist Peter A. Ubel argues that physicians, health insurance companies, managed care organizations, and governments need to consider the cost-effectiveness of many new health care technologies. In particular, they need to think about how best to ration health care. Ubel believes that standard medical training should provide physicians with the expertise to decide when to withhold health care from patients. He discusses the moral questions raised by this position, and by health care rationing in general. He incorporates ethical arguments about the appropriate role of cost-effectiveness analysis in health care rationing, empirical research about how the general public wants to ration care, and clinical insights based on his practice of general internal medicine. Straddling the fields of ethics, economics, research psychology, and clinical medicine, he moves the debate forward from "whether to ration to "how to ration. The discussion is enlivened by actual case studies.

International Workers Order - The International Workers Order (IWO), was a Communist-affiliated insurance and fraternal order founded in 1930 following a split from the The Workmen's Circle/Arbeter Ring, a still-extant Jewish fraternal organization.its height, after World War II], the IWO had almost 200,000 members and provided low-cost [[health insurance|health and life insurance, medical and dental clinics, and supported foreign-language newspapers, cultural and educational activities.

Ontario Health Insurance Plan - The Ontario Hospital Insurance Plan (OHIP) is the government-run health plan for the Canadian province of Ontario. More recently it has been referred to as the Ontario Health Insurance Plan, but the official name uses the term Hospital rather than Health due to legal questions related to the coverage of prescription drugs.

State Children's Health Insurance Program - The State Children’s Health Insurance Program (SCHIP) is a national program in the United States designed for families who earn too much money to qualify for Medicaid, yet cannot afford to buy private insurance. The program was created to address the growing problem of children in the United States without health insurance.

Social health insurance - Broadly speaking, health care systems across the world are funded in three different ways: by private contributions, social health insurance contributions or taxes. Social health insurance systems are characterized by the presence of sickness funds which usually receive a proportional contribution of their members' wages.

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