This is a consumer-oriented text. Topics focus on the policyholder as opposed to the insurer. Consumer Applications present practical ways students can apply chapter material to everyday life. Expanded cases present risk management problems for students to solve. A new feature, Ethical Dilemmas, encourages ethics discussion. There is more coverage of Business Risk Management in this edition, and employee benefits coverage has been expanded to three chapters.

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D.B.A., Indiana University

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