Contents
Introduction
1. Analysis of the level of progression of insurance relations United States
1.1 United States Economy
1.2 United States insurance market
1.3 regulation of insurance business.
Analysis of anti-crisis measures in the regulation
2. Insurance United States
2.1 life insurance
2.2 property insurance
2.3 distribution.
Analysis of distribution channels of insurance services
3. Trend (prospects) development
Conclusion
List of literature
Introduction
Insurance is one of the oldest categories of socio-labour relations.
In the United States is widely developed system of insurance. Insurance have numerous insurance companies (in the United States, several thousand), and types of insurance services are extremely diverse.
Analysis of United States insurance market is sufficiently relevant and is scientific and practical interest.
Describing the level of scientific development perspective United States insurance market, it should be noted that this subject has already been analysed by various authors in various publications: textbooks, monographs, journals and on the Internet. However, when studying literature and sources, there has been a lack of number of full research on this topic.
The scientific importance of this work is to optimize and organize your existing scientific and methodological basis for subject-another independent copyright research.
Theoretical and methodological basis of the study comprised four groups of sources. The first classified author's publications on the studied subject. The second classified books (textbooks and training manuals, reference and encyclopedic literature). The third relegated scientific articles in periodical journals on the studied subject. And the fourth assigned specialized Web sites.
When analyzing the United States insurance market were used the following methods:
analysis of existing source base on the issues;
synthesis of points of view represented in the source database.
Aim: to study the insurance market from different angles.
Work object: participants of the insurance business of United States.
Subject of research: United States insurance market, its content.
Goal defines the objectives of the study:
consider the theoretical approaches to the United States insurance market
identify the basic problem of United States insurance market in modern conditions
identify trends in the development of the insurance market of the United States.
The work consists of an introduction, main part, conclusions (conclusion) and bibliography.
1. Analysis of the level of development of insurance relations United States
1.1 United States Economy
The largest and one of the most diversified economies in the world is the United States economy. It is the locomotive of the world economy.
United States is a good power with impressive production power and huge development potential. The domestic American market is huge: it absorbs almost 90% of the total national production and, in addition, a significant portion of the products created in other countries, including developing countries. Consequently, the U.S. economy is quite self-sufficient. It is distinguished by large-scale NTP orientation and advanced technology, is the real basis for political and military "superderžavnoj" of the country to be reckoned with all other countries, including Russia.
1. United States is the only country in the world whose economy has emerged from the second world war significantly renewed. In the early postwar decades, leading positions in the world economy United States (by a large margin from competitors) are indisputable.
The main feature of the U.S. economy is not that it has the largest production capacity in the world and produces the largest amount of goods and services, and that it is a leader in the field of NTP, introducing its results in the production of export licenses for their inventions, the latest developments and discoveries. This creates the effect of dependencies of other countries from the United States in the field of science and technology.
2. Possessing a huge advantage over other countries in its innovative potential, United States receive innovative annuity is a natural results of a monopoly on new knowledge and ability to implement them in new products to meet the increasing demand for it.
As regards American TNCs, their businesses abroad provide the production of goods and services of more than 4 trillion. dollars. Per year, representing almost 40 per cent of GNP and the United States has a great impact on the economy of those countries in which these enterprises operate. Indeed, some say that today there are two American economy: one-on the territory of the United States, the other in other countries.
United States win first place in the world in terms of industrial production, have highly efficient agriculture.
United States industry consumes approximately one third of the raw materials that is mined around the world, has the largest market of machines and equipment. Great export of engineering products United States, notorious worldwide recognition 3.
1.2 United States insurance market
The first United States insurers, as independent legal entities created for insurance purposes, appeared in the year 1720. The period of initial development of United States in the field of insurance is associated with the emergence of a large number of short-lived companies increasingly bankrupt and seâvših panic among consumers. This led to the decision of Parliament on the monopoly of the insurance operations of insurance corporate interests two insurers The London Assurance Corporation along with the Royal Exchange Assurance Corporation conducting insurance operations in the United States today. To a large extent while holding insurance on the North American continent were engaged in branches of uk insurers. But the needs defined by the economic growth of the national economy, and led to the creation of national insurers. In 1752, b. Franklin co-founded the primary insurance agencies against fire in Philadelphia-The Philadelphia Contributionship. The very first insurer established being a joint-stock company, appeared in 1794, the first specialized life insurance society was founded in 1759 by g. 4
Insurance business United States differs sweep and undisputed leader in the global insurance market through all possible indicators.
American insurance monopoly control about 50% of the insurance market in the developed world. The United States has about 9 thousand. property insurance companies and about 2 thousand. life insurance companies and health. The assets of all the companies represent about 2.5 trillion. dollars. The average assets of one company are 950 million. dollars, and the 12 largest companies accounted for 60 billion. 5 dollars.
In the United States there are two types of insurance companies: mutual insurance society and joint-stock companies. State insurance firms do not exist. Shares of joint-stock companies may purchase both natural and legal persons.
Insurance companies carry out three types of insurance:
commercial (wide spectrum);
personal (insurance buildings, cars and other property of citizens);
bekifity (life and health insurance, medical, pension, savings, etc.).
United States insurers sit in 27 out of every 100 of the boards of Directors of the American industrial corporations. Ahead of insurance providers in this respect is the only commercial and investment banks.
Institutional framework of American insurance companies make up joint-stock companies and mutual insurance society. There is the Institute of underwriters and insurance brokers-insurance agents or independent brokerage firms.
Major insurance companies are financial conglomerates: through subsidiaries they can in addition to provide loans, organize customer service, cheque issue payment credit cards, real estate, operations with securities, manage capital and assets on behalf of clients.
Insurance in the United States is divided into two sectors: life insurance and other types of insurance. The largest insurer in the United States is a company State Farm Group, occupying their units 18% market share of 23 percent and car insurance life insurance, but in general the market is 12%. This figure is twice the market share the company "Allstate Insurance Group, ranked # 2. The share of the company American Insurance Group (AIG) accounts for approximately 4% of the market for other types of insurance.
Insurance In The United States | Auto Insurance Quote | Part II
Introduction
1. Analysis of the level of progression of insurance relations United States
1.1 United States Economy
1.2 United States insurance market
1.3 regulation of insurance business.
Analysis of anti-crisis measures in the regulation
2. Insurance United States
2.1 life insurance
2.2 property insurance
2.3 distribution.
Analysis of distribution channels of insurance services
3. Trend (prospects) development
Conclusion
List of literature
Introduction
Insurance is one of the oldest categories of socio-labour relations.
In the United States is widely developed system of insurance. Insurance have numerous insurance companies (in the United States, several thousand), and types of insurance services are extremely diverse.
Analysis of United States insurance market is sufficiently relevant and is scientific and practical interest.
Describing the level of scientific development perspective United States insurance market, it should be noted that this subject has already been analysed by various authors in various publications: textbooks, monographs, journals and on the Internet. However, when studying literature and sources, there has been a lack of number of full research on this topic.
The scientific importance of this work is to optimize and organize your existing scientific and methodological basis for subject-another independent copyright research.
Theoretical and methodological basis of the study comprised four groups of sources. The first classified author's publications on the studied subject. The second classified books (textbooks and training manuals, reference and encyclopedic literature). The third relegated scientific articles in periodical journals on the studied subject. And the fourth assigned specialized Web sites.
When analyzing the United States insurance market were used the following methods:
analysis of existing source base on the issues;
synthesis of points of view represented in the source database.
Aim: to study the insurance market from different angles.
Work object: participants of the insurance business of United States.
Subject of research: United States insurance market, its content.
Goal defines the objectives of the study:
consider the theoretical approaches to the United States insurance market
identify the basic problem of United States insurance market in modern conditions
identify trends in the development of the insurance market of the United States.
The work consists of an introduction, main part, conclusions (conclusion) and bibliography.
1. Analysis of the level of development of insurance relations United States
1.1 United States Economy
The largest and one of the most diversified economies in the world is the United States economy. It is the locomotive of the world economy.
United States is a good power with impressive production power and huge development potential. The domestic American market is huge: it absorbs almost 90% of the total national production and, in addition, a significant portion of the products created in other countries, including developing countries. Consequently, the U.S. economy is quite self-sufficient. It is distinguished by large-scale NTP orientation and advanced technology, is the real basis for political and military "superderžavnoj" of the country to be reckoned with all other countries, including Russia.
1. United States is the only country in the world whose economy has emerged from the second world war significantly renewed. In the early postwar decades, leading positions in the world economy United States (by a large margin from competitors) are indisputable.
The main feature of the U.S. economy is not that it has the largest production capacity in the world and produces the largest amount of goods and services, and that it is a leader in the field of NTP, introducing its results in the production of export licenses for their inventions, the latest developments and discoveries. This creates the effect of dependencies of other countries from the United States in the field of science and technology.
2. Possessing a huge advantage over other countries in its innovative potential, United States receive innovative annuity is a natural results of a monopoly on new knowledge and ability to implement them in new products to meet the increasing demand for it.
As regards American TNCs, their businesses abroad provide the production of goods and services of more than 4 trillion. dollars. Per year, representing almost 40 per cent of GNP and the United States has a great impact on the economy of those countries in which these enterprises operate. Indeed, some say that today there are two American economy: one-on the territory of the United States, the other in other countries.
United States win first place in the world in terms of industrial production, have highly efficient agriculture.
United States industry consumes approximately one third of the raw materials that is mined around the world, has the largest market of machines and equipment. Great export of engineering products United States, notorious worldwide recognition 3.
1.2 United States insurance market
The first United States insurers, as independent legal entities created for insurance purposes, appeared in the year 1720. The period of initial development of United States in the field of insurance is associated with the emergence of a large number of short-lived companies increasingly bankrupt and seâvših panic among consumers. This led to the decision of Parliament on the monopoly of the insurance operations of insurance corporate interests two insurers The London Assurance Corporation along with the Royal Exchange Assurance Corporation conducting insurance operations in the United States today. To a large extent while holding insurance on the North American continent were engaged in branches of uk insurers. But the needs defined by the economic growth of the national economy, and led to the creation of national insurers. In 1752, b. Franklin co-founded the primary insurance agencies against fire in Philadelphia-The Philadelphia Contributionship. The very first insurer established being a joint-stock company, appeared in 1794, the first specialized life insurance society was founded in 1759 by g. 4
Insurance business United States differs sweep and undisputed leader in the global insurance market through all possible indicators.
American insurance monopoly control about 50% of the insurance market in the developed world. The United States has about 9 thousand. property insurance companies and about 2 thousand. life insurance companies and health. The assets of all the companies represent about 2.5 trillion. dollars. The average assets of one company are 950 million. dollars, and the 12 largest companies accounted for 60 billion. 5 dollars.
In the United States there are two types of insurance companies: mutual insurance society and joint-stock companies. State insurance firms do not exist. Shares of joint-stock companies may purchase both natural and legal persons.
Insurance companies carry out three types of insurance:
commercial (wide spectrum);
personal (insurance buildings, cars and other property of citizens);
bekifity (life and health insurance, medical, pension, savings, etc.).
United States insurers sit in 27 out of every 100 of the boards of Directors of the American industrial corporations. Ahead of insurance providers in this respect is the only commercial and investment banks.
Institutional framework of American insurance companies make up joint-stock companies and mutual insurance society. There is the Institute of underwriters and insurance brokers-insurance agents or independent brokerage firms.
Major insurance companies are financial conglomerates: through subsidiaries they can in addition to provide loans, organize customer service, cheque issue payment credit cards, real estate, operations with securities, manage capital and assets on behalf of clients.
Insurance in the United States is divided into two sectors: life insurance and other types of insurance. The largest insurer in the United States is a company State Farm Group, occupying their units 18% market share of 23 percent and car insurance life insurance, but in general the market is 12%. This figure is twice the market share the company "Allstate Insurance Group, ranked # 2. The share of the company American Insurance Group (AIG) accounts for approximately 4% of the market for other types of insurance.
Insurance In The United States | Auto Insurance Quote | Part II
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