Insurance Term Paper Example | Topics and Well Written Essays - 1250 words

Insurance - Term Paper Example Economics defines insurance as a form of risk management, which is an equitable transfer of a loss from an entity to another and money is the form of exchange (Birds 54). An insurer is the company selling the insurance; the insured is the buyer of the insurance policy, whilst premium is the amount charged for a certain insurance coverage. An insured entity is protected from risks that may occur; however, the insured risk must meet the requirements for it to qualify as an insurable risk. Nevertheless, the insurance industry is flooded with many companies issuing different types of insurance at competitive rates. The insurance companies offer different types of insurance, for instance, auto insurance, health insurance, accident insurance, life insurance, and home insurance among others. The concept of risk is very important to insurance, as it is concerned with uncertainties. An insurance cover is usually designed to protect a customer against losses. Generally, clients choose certain covers that guarantee them a peace of mind and financial protection. For instance, life insurance is designed to assist loved ones incase of death of the insured; it is in form of payment to the beneficiaries – however, cases of suicide are not considered, (Holland, et al 65). The policyholder does not benefit from this type of cover, since it is active when he dies, hence benefiting his next of kin. Some critical illnesses are added to life insurance, and in this case, the policyholder will be paid a lump of money referred to as annuity and they are allowed to keep the money incase they recover. Car insurance is another common type of insurance since each driver is required to attain car insurance globally. Some types of Car insurance cover the third party incase of an accident and offer legal protection, but this depends on the kind of policy the insured has. Coverage may include the damage of the car, theft of the car, medical expenses and funeral

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Lindbergh Baby Case Essay Example | Topics and Well Written Essays - 1250 words

Lindbergh Baby Case - Essay Example There was huge attention by the media concerning the issue. As a result, Lindbergh the father of the baby permitted a negotiator, called Dr. John Condon, to discuss with the kidnappers (FBI, n.d.). After a series of exchange of notes between him and the kidnappers, he met with the kidnapper and gave them the $50,000 ransom for the release of the baby (Busch, 1970). The kidnappers disclosed that the baby was on a boat off the New York harbor (Federal Bureau of Investigation (FBI), n.d.). However, after a thorough search, there was nothing in the harbor. Two months after the kidnapping, the babys body was unintentionally found decaying in woods near the Lindbergh home (FBI, n.d.). The police then launched a manhunt for the kidnapper and they mainly concentrated on pursuing any ransom money that had been spent. In this case, the police took the role of investigation; they investigated this case of three accounts of crime, which included; kidnapping, murder, and fraudulent money exchange. The police from the Federal Bureau of Investigation traced their investigation to the conclusion of Bruno Richard Hauptmann as the main suspect. The suspect was who was arrested after the police found more evidence his house (Busch, 1970). He was taken to the court and the jury found him guilty of the charges on Feb. 13, 1933. The correction required him to confess to the charges, which he refused, and thus he was electrocuted on April 3, 1936. First appearance is a common thing that takes place in the court process. In this process, a judge makes a decision on whether there is justification to grant a bond an individual suspected of committing any given crime and informs the suspected offender of his/her rights in the trial process (United States Attorney Office, n.d.). During the first appearance in the Lindbergh Baby Case, the police and the team of prosecutors proved to the court that there was evidence beyond reasonable doubts that the crime was committed. The defendant