ANALYSIS OF RISK AND RETURN TRADE OFF BY LIFE INSURANCE COMPANIES WITH SPECIAL REFERENCE TO MAJOR LIFE INSURANCE COMPANIES
SUBMITTED FOR REGISTRATIO N OF Ph.D RESEARCH WORK
R.T.M. NAGPUR UNIVERSITY
To examine the challenges faced by insurance companies today.
To study the contribution & specialty of insurance companies.
Analysis of various risks faced by insurance companies today.
To study why do these companies manage these risks and how.
To examine where and how do they make their investments
To study how do insurance companies strike a risk-return trade off
Insurance plays a crucial role in common man’s life.
Insurance companies deals with uncertainty and hence deals with various types of risks.
Risk management is necessary for all organisations.
Analysis of risk and its proper management is very necessary to strike a proper risk-return trade off in present scenario.
What is Life Insurance?
Human life is subject to risks of death and disability due to natural and accidental causes. When human life is lost or a person is disabled permanently or temporarily, there is a loss of income to the household. The family is put to hardship. Sometimes, survival itself is at stake for the dependants. Risks are unpredictable. Death/disability may occur when one least expects it. An individual can protect himself or herself against such contingencies through life insurance.
Life insurance is insurance on human beings. Though Human life cannot be valued, a monetary sum could be determined which is based on loss of income in future years. Hence in life insurance, the Sum Assured (or the amount guaranteed to be paid in the event of... [continues]
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