Day: September 8, 2021

Herweijer, C., Ranger, N. and Ward, R.E. (2009) “Climate Change Adaptation: Threats and Opportunities for the Insurance Industry,” The Geneva Papers on Risk and Insurance- Issues and Practice 34: 360-380. 5. Both parties feel safe as long as they have consensual interests. It eliminates the feeling of insecurity among new buyers at all times. 3. Both parties feel safe for a longer period of time warranty. A number of authors have shown that the insurance industry itself can benefit from greater action to encourage risk reduction. Unfettered climate change and an increased concentration of insured assets in exposed regions are expected to increase the correlation and volatility of damage to a level that could have a profound impact on the insurability of natural hazards and the affordability of insurance. Footnote 7 The resulting public and political discontent could have repercussions on other industries, as has been observed in the Florida insurance market.

The formula for calculating the premium of an insurance contract can be called Eq. (1) the annual premium, E (C) the expected annual value of the damages, E (X) the expected annual value of the expenses and α. K represents the capital charge, K being the capital requirement and α the annual return on investment demanded by the shareholders. Multi-year contracts could promote a higher level of insurance coverage across society, with benefits for individuals and society as a whole. In some markets, for example, policyholders tend to terminate or not renew contracts in the absence of losses, which can make them and society more exposed when an event occurs. 2. It eliminates the unpleasant surprises of the increase in purchase prices. Prices are set in advance if the supplier is likely to increase its expensive price. Jaffee, D., Kunreuther, H.

and Michel-Kerjan, E. (2008) Long terme insurance (LTI) for addressing catastrophek, BER Working Paper Series No. 14210, National Bureau of Economic Research, Cambridge, MA. Purely public insurance systems, such as the U.S. National Flood Insurance Program, may also have greater prospects for multi-year insurance. Footnote 35 Public insurance plans may have lower capital requirements, which could reduce the price gap compared to an annual contract. In addition, insolvency is less problematic, as public systems may raise additional capital at a reduced cost of taxation and therefore the risk of future liabilities (e.g. B long-term guarantees in uncertainty) poses a lesser problem. In addition, a purely public insurance system is not subject to competitive pricing forces and multi-year contracts could be offered by default. . .

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We asked well-known dyads about two important moral traits (honesty – humility, vulnerability) as well as other individual differences. We looked at the self-other agreement, the resemblance, the supposed resemblance, and the agreement without similarity (i.e. the self-other agreement that controls similarity and supposed similarity). Participants projected their own moral character onto their peers (i.e., a supposedly moderately high resemblance), but they were nevertheless able to judge moral character with accuracy (moderate concordance between themselves and without similarity), indicating that moral traits can be recognized by other well-known people. Regardless of the method of reporting, honesty – humility and vulnerability were correlated with delinquency, unethical decision-making and counterproductive work behavior, indicating that unethical behavior is disproportionately committed by people with low values of these character traits. Self-reports and observer reports of a moral nature predict unethical behavior. If you have access to magazine content through a university, library or employer, please register here. They can be connected at the same time by either of the methods listed below. . Access to the contents of social magazines varies according to the title. Adults can judge with moderate accuracy the moral character of their well-known peers. Both the individuals and organizations that collaborate with arXivLabs have accepted and accepted our values of openness, community, excellence and user privacy. arXiv upholds these values and only works with partners who comply with them.

. Some social magazines require you to create a personal profile and then activate your social account Honesty – humility and vulnerability to guilt are moral traits. Do you have an idea of a project that brings added value to the arXiv community? Learn more about arXivLabs and how to participate. Contact us if you have trouble logging in. Adults project their own moral character onto their peers. Sign up here to access free tools, such as favorites and notifications, or to access personal subscriptions If you have access to a magazine through an association or association, please go to your social newspaper, select an article on the ad, and follow the instructions in this field. arXivLabs is a framework that allows employees to develop and share new arXiv features directly on our site….