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Silabus AAAIJ

UJIAN GELAR PROFESIONAL KEANGGOTAAN
ASOSIASI AHLI MANAJEMEN ASURANSI INDONESIA
SEKTOR ASURANSI JIWA
TINGKAT AJUN AHLI ASURANSI INDONESIA JIWA (AAAIJ)

Ujian Gelar Profesional Keanggotaan AAMAI Sektor Asuransi Jiwa meliputi 5 (lima) mata ujian tertulis untuk tingkat Ajun Ahli dan dinyatakan lulus.

Mata ujian yang diujikan :

AJ.01 : Dasar-dasar Asuransi Jiwa
AJ.02 : Operasional Perusahaan Asuransi Jiwa
AJ.03 : Pengantar Manajemen dan Statistik
AJ.04 : Manajemen Risiko dan Seleksi Risiko
AJ.05 : Pemasaran Asuransi Jiwa

Mata ujian AJ.01 s.d AJ.05 dimaksudkan untuk memberi landasan pengembangan pengetahuan melalui penguasaan yang lebih mendalam tentang asuransi jiwa dan orientasi utama adalah bidang manajemen.

uraian silabus

AJ.01. DASAR-DASAR ASURANSI JIWA

Buku Wajib :

a. Principles of Insurance : Life, Health and Annuities, 3rd Edition, Harriet E. Jones, LOMA 2005. (Bobot soal 85%)
b. Asuransi Syariah (Life and General) : Konsep dan Sistem Operasional, Muhammad Syakir Sula, Gema Insani 2004. BAB I s.d. V dan BAB VII s.d. XI (Bobot soal 10%)
c. Hukum Perjanjian : Teori dan Analisa Kasus, Suharnoko, SH, MLI, Kencana 2004. BAB I s.d. IV (Bobot soal 5%)

Silabus :

a. PRINCIPLES OF INSURANCE : LIFE, HEALTH, AND ANNUITIES
1. The Life and Health Insurance Industry
Insurance Companies as Business Organization, Insurance Companies as Financial Institutions, Role of Government in Insurance.
2. Introduction to Risk and Insurance
The Concept of Risk, Risk Management, Managing Personal Risks Through Insurance.
3. The Insurance Policy
Fundamentals of Contract Law, The Policy as Property.
4. Pricing Life Insurance
Methods of Funding Life Insurance, Premium Rate Calculations, The Level Premium Pricing System, Policies with Nonguaranteed Elements, Life Insurance Reserves.
5. Term Life Insurance
Characteristics of Term Life Insurance Products, Plans of Term Life, Insurance Coverage, Features of Term Life Insurance Policies, Needs Met by Life Insurance.
6. Cash Value Life Insurance and Endowment Insurance
Cash Value Life Insurance, A Newer Generation of Cash Value Products, Endowment Insurance.
7. Supplemental Benefits
Supplemental Disability Benefits, Accident Benefits, Accelerated Death Benefits, Benefits for Additional Insured, Insurability Benefits.
8. Individual Life Insurance Policy Provisions
Standard Policy Provisions, Provisions Unique to Cash Value Policies, Life Insurance Policy Exclusions.
9. Life Insurance Policy Ownership Rights
Naming the Beneficiaries, Premium Payments, Policy Dividend Options, Settlement Options, Transfer of Policy Ownership.
10. Paying Life Insurance Policy Proceeds
Processing Life Insurance Claims, Special Claim Situations.
11. Annuities and Individual Retirement Arrangements
Introduction to Annuities, Types of Annuity Contracts, The Annuity Contract, Financial Design of Annuities, Taxation of Annuities, Individual Retirement Arrangements.
12. Principles of Group Insurance
Group Insurance Contracts, Group Insurance Underwriting, Group Insurance Policy Provisions, Group Insurance Premiums, Group Plan Administration.
13. Group Life Insurance
Regulation of Group Life Insurance, Group Life Insurance Policy Provisions, Group Life Insurance Plans, Group Creditor Life Insurance.
14. Group Savings and Retirement Plans
Regulation of Retirement Plans, Types of Retirement Plans, Retirement Plans for Small Businesses and the Self-Employed, Components of a Retirement Plan, Government-Sponsored Retirement Plans.
15. Medical Expense Coverage
Traditional Medical Expense Insurance, Government-Sponsored Medical Expense Coverage, Managed Care Plans, Consumer-Driven Health Care Plans.
16. Disability Income Coverage
Disability Income Insurance, Specialized Types of Disability Coverage, Government-Sponsored Disability Income Programs.
17. Individual Health Insurance Policies
Regulation of Health Insurance, Individual Health Insurance Policy Provisions, Individual Health Insurance Underwriting, Pricing Health Insurance.
18. Group Health Insurance Policies
Group Health Insurance Policy Provisions, Group Health Insurance Underwriting, Funding Mechanisms.


b. ASURANSI SYARIAH (LIFE AND GENERAL) : KONSEP DAN SISTEM OPERASIONAL
1. Mukadimah
Asal Segala Sesuatu Mubah (Boleh), Karakteristik Syariat Islam, Islam Rahmatan Lil ‘Alamin.
2. Landasan Teori Asuransi Syariah
Pengertian Asuransi (At-Ta’min), Al ‘Aqila (Asal Mula Asuransi Syariah), At-Takaful (Tolong Menolong), Tabarru’ (Hibah/Dana Kebajikan), Aqad (Akad), Gharar (Ketidakpastian), Maisir (Judi/Untung-Untungan), Riba (Bunga).
3. Pendapat-Pendapat Ulama Tentang Asuransi
Pendapat Ulama yang Mengharamkan, Pendapat Ulama yang Membolehkan, Meletakkan yang Haram dan Halal pada Tempatnya, Konsep At-Ta’min (Asuransi) dalam Literatur Fiqih Klasik, Dalil-Dalil Syar’i yang Mendasari Pendirian dan Praktik Asuransi Syariah, Apakah Asuransi Bertentangan dengan Takdir ?, Akad Asuransi Mengandung Judi, Asuransi Konvensional Bolehkah karena Alasan Darurat ?, Fatwa-Fatwa Kontemporer Tentang Keuangan dan Asuransi.
4. Fenomena Riba dan Bunga Bank
Pengertian Riba, Pengertian Riba An-Nasi’ah dan Riba Al-Fadhl, Haramnya Bunga Bank, Hikmah Diharamkannya Riba, Masalah Riba yang Berlipat Ganda, Ancaman Allah Bagi Pemakan Riba, Riba dalam Bisnis Asuransi, Keputusan Lembaga Internasional Muktamar dan Lembaga Riset Islam Tentang Haramnya Bunga Bank.

5. Sistem Operasional Asuransi Jiwa Dalam Mengeliminir Gharar, Maisir dan Riba
Akad (Perjanjian), Mekanisme Pengelolaan Dana, Sumber Biaya Operasional, Underwriting, Aspek-Aspek Teknik dan Aktuaria, Perwujudan Ta’awun dalam Mekanisme Asuransi, Dari Konsep Teknik dan Aktuaria ke Desain Produk.
6. Perbedaan Secara Umum Antara Asuransi Syariah dan Konvensional
Konsep, Asal Usul, Sumber Hukum, Bersih dari “Maghrib” (Maisir, Gharar dan Riba), Dewan Pengawas Syariah, Akad (Perjanjian), Sharing of Risk versus Transfer of Risk, Pengelolaan Dana, Investasi Dana, Kepemilikan Dana, Unsur Premi, Loading (Kontribusi Biaya), Sumber Pembayaran Klaim, Sistem Akuntansi, Keuntungan (Profit), Misi dan Visi.
7. Konsep dan Implementasi Al-Mudharabah dan Akad Tijarah Lainnya pada Asuransi Syariah
Pengertian Al-Mudharabah, Mudharabah dalam Wacana Fiqih, Landasan Syar’i Al-Mudharabah, Rukun dan Persyaratan Mudharabah, Keunggulan Sistem Mudharabah, Perbedaan Sistem Mudharabah dengan Riba, Ketentuan Bagi Hasil dalam Mudharabah, Implementasi Mudharabah pada Asuransi Syariah, Akad-Akad Tijarah dalam Praktik Asuransi Syariah.
8. Sistem Investasi pada Asuransi Syariah
Definisi Investasi, Landasan Syar’i Investasi, Prinsip-Prinsip Dasar Investasi, Investasi yang Islami, Investasi yang Terlarang, Pengelolaan Investasi pada Asuransi Syariah.
9. Sistem Akuntansi pada Asuransi Syariah
Pengertian Akuntansi, Landasan Syar’i, Tujuan Akuntansi Keuangan Syariah, Prinsip-Prinsip Dasar Akuntansi Syariah, Perbedaan Sistem Akuntansi Asuransi Syariah dan Asuransi Konvensional, Implementasi Akuntansi Islam pada Asuransi Syariah, Masalah Cash Basis dan Accrual Basis.
10. Konsep Marketing (Pemasaran) Asuransi Syariah
Pengertian Pemasaran, Redefinisi Peran Pemasaran, Dalil-Dalil Syar’i Pemasaran, Prinsip-Prinsip Pemasaran dalam Perspektif Syariah, Perilaku Bisnis yang Terlarang dalam Pemasaran, Perilaku Bisnis yang Dianjurkan dalam Pemasaran, Profil dan Etika Marketer Lembaga Keuangan Syariah, Sistem Pemasaran Pada Asuransi Syariah.


c. HUKUM PERJANJIAN : TEORI DAN ANALISA KASUS
1. Apakah Janji-Janji Pra Kontrak Mempunyai Akibat Hukum?
Pendahuluan, Asas Kebebasan Berkontrak dan Beritikad Baik, Consideration dan Promissory Astoppel, Output Contract dan Requirement Contract, Penafsiran Perjanjian, Penutup.
2. Perjanjian Jual-Beli dengan Hak Membeli Kembali atau Utang Piutang ?
Pendahuluan, Asas-Asas Hukum Jaminan, Undang-Undang tentang Perbankan, Eksekusi Hipotik dan Hak Tanggungan, Ketentuan Hukum Adat Diberlakukan Secara Analogis, Penutup.
3. Keagenan, Franchise, dan Perlindungan Konsumen
Pendahuluan, Pengertian Agen, Agency (Common Law) dan Perwakilan (Kitab Undang-Undang Hukum Perdata dan Kitab Undang-Undang Hukum Dagang), Perjanjian Campuran, Komentar atas Naskah Akademis Rancangan Undang-Undang tentang Keagenan dan Undang-Undang Perlindungan Konsumen, Penutup.
4. Wanprestasi : Syarat Batal atau Harus Dimintakan Pembatalan Kepada Hakim ?
Pendahuluan, Kontroversi Pasal 1266 Kitab Undang-Undang Hukum Perdata, Perjanjian Beli Sewa : Jual Beli atau Sewa-Menyewa ? Wanprestasi dalam Perjanjian Beli Sewa, Rescheduling dan Restrukturisasi Utang, Penutup.



AJ.02. OPERASIONAL PERUSAHAAN ASURANSI JIWA

Buku Wajib :

a. Insurance Company Operation, 2nd Edition, Miriam Orsina, Gene Stone, LOMA 2005. (Bobot soal 70%)
b. UU RI No. 2 Tahun 1992 tentang Usaha Perasuransian
c. UU RI No. 3 Tahun 1992 tentang Jaminan Sosial Tenaga Kerja
d. UU RI No. 11 Tahun 1992 tentang Dana Pensiun
e. PP No. 73 Tahun 1992 tentang Penyelenggaraan Usaha Perasuransian
f. PP No. 63 Tahun 1999 tentang Perubahan atas PP No. 73 Tahun 1992
g. KMK. No. 421/KMK.06/2003 s.d. KMK No. 426/KMK.06/2003
h. PP No. 39 Tahun 2008 tentang perubahan ke 2 ata PP No. 72 Tahun 1992.
(Bobot soal buku b, c, d, e, f, g & h, 30%)

Silabus :

a. INSURANCE COMPANY OPERATION

1. Life Insurance Company Operations
The Rules of Life Insurance Companies, Life Insurance Company Operations, Risk Management in Life Insurance Companies, Strategic Planning for Operations.
2. Competition, Regulation, and Ethics in the Life Insurance Industry
Competition in the Life Insurance Industry, Regulation of the Life Insurance Industry, Ethics for the Life Insurance Companies.
3. Life Insurance Company Formation and Restructuring
The Corporate Structure of Life Insurance Companies, Requirements for Incorporation, Insurance Company Licensing, Stock and Mutual Life Insurance Companies, Changing the Corporate Structure.
4. The Organizational Structure of Insurance Companies
Functional Areas in a Life Insurance Company, Components of the Organizational Structure, Traditional Ways Insurers Organize Work Activities, Alternative Organizational Shapes, Committees.
5. Marketing Activities and Strategies
The Marketing Mix, Positioning, Market Identification, Matching Products to Target Markets, Marketing Information, The Marketing Plan, Marketing Strategies for Company Growth.
6. Product Development
Personnel Involved in Product Development, The Product Development Process, The Importance of Effective Product Development.
7. Pricing Insurance Products
Setting Pricing Objectives and Strategies, Making Assumptions for Pricing, Bundled and Unbundled Pricing, Policy Reserves and Cash Values, Profit-Testing Actuarial Assumptions, Managing Pricing Results.
8. Product Distribution
Distribution Systems, Personal Selling Distribution Systems, Financial Institutions Distribution Systems, Direct Response Distribution Systems, Distribution Channel Decisions.
9. Home Office Support for Distribution Systems
Support for Agency-Building Distribution Systems, Support for Non agency-Building Distribution Systems, Support for Financial Institutions Distribution Systems.
10. Life Insurance Underwriting
The Importance of Sound Underwriting, Organization of Underwriting, Underwriting Philosophy and Underwriting Guidelines, Fundamentals of Individual Life Insurance Underwriting, Fundamentals of Group Life Insurance Underwriting, Regulatory Requirements and Underwriting, The Underwriting Process, Reinsuring Excess Risk.
11. Customer Service
Insurance Company Customers. Who Provides Customer Service ?, Why is Customer Service So Important ?, Effective Customer Service, Customer Service Transactions for Individual Life Insurance and Annuities, Customer Service Transactions for Group Life Insurance and Annuities, Evaluating Customer Service, Customer Relationship Management, Technology and Customer Service Delivery.
12. Claim and Annuity Benefit Administration
The Life Insurance Claim Administration Function, The Life Insurance Claim Decision Process, Life Insurance Claim Investigation, Claims on Reinsured Policies, Administration of Annuity Policy Benefits.
13. Information Management
The Importance of Information Management, Elements of Information Systems, Types of Information Systems, Operation Support Technologies, Electronic Commerce, Information Management for Specific Company Functions.
14. An Overview of Financial Management
The Responsibilities and Organization of Financial Management, Basic Accounting Documents, Solvency and Profitability, Planning Financial Goals and Strategies, Managing the Insurer`s Capital and Surplus, Managing Cash Flows.
15. Managing Investments
Organization of Investment Operations, Returns on Insurer Investments, Regulation of Insurer Investments, Insurance Company Investments, Investment Strategies.
16. Accounting
Users of Accounting Information, Organization and Responsibilities of the Accounting Department, Financial Accounting, Management Accounting, Auditing.
17. Human Resource Management
Human Resource Planning, Recruitment, Employee Selection, Training, Performance Evaluation, Compensation, Employee Retention, Separation of Employees.
18. Legal and Compliance Operations
Organization of Legal and Compliance Operations, Responsibilities of the Legal Department, Regulatory Compliance, Solvency Compliance and Market Conduct Compliance.

AJ.03. PENGANTAR MANAJEMEN DAN STATISTIK

Buku Wajib :

a. Management Principles and Practices, Robert Kreitner, LOMA 2007. (Bobot soal 75%)
b. Statistic for Managers in Insurance Companies, Robert D. Mason, Dennis W. Goodwin, LOMA 1983. (Bobot soal 25%)

Silabus :

a. MANAGEMENT PRINCIPLES AND PRACTICES

1. The Management Challenge
Managers and Entrepreneurs
The Changing Workplace, Management Defined, Management Ethics, What Do Managers Do ?, Learning To Manage, Small-Business Management.
The Evolution of Management Thought
The Practice and Study of Management, The Universal Process Approach, The Operational Approach, The Behavioral Approach, The Systems Approach, The Global Manager, The Contingency Approach, The Era of Management by Best Seller: Proceed with Caution.
The Changing Environment of Management : Diversity, Global Economy, and Technology
The Social Environment, Managing Diversity, The Political-Legal Environment, The Economic Environment, The Technological Environment.
International Management and Cross-Cultural Competence
Global Organizations for a Global Economy, Toward Greater Global Awareness and Cross-Cultural Competence, Managing Diversity, Comparative Management Insights, Staffing International Positions.
Management’s Social and Ethical Responsibilities
Social Responsibility : Definition and Perspectives, Toward Greater Social Responsibility, The Ethical Dimension of Management, Encouraging Ethical Conduct, Management Ethics.

2. Planning and Decision Making
The Basics of Planning and Project Management
Coping with Uncertainty, The Essentials of Planning, Management by Objectives and Project Planning, The Global Manager, Graphical Planning/Scheduling/Control Tools, Break-Even Analysis.
Strategic Management : Planning for Long-Term Success
Strategic Management = Strategic Planning + Implementation + Control, Thinking Strategically (Including E-Business Strategies), The Global Manager, The Strategic Management Process, Strategic Implementation and Control, Forecasting.
Decision Making and Creative Problem Solving
Challenges for Decision Makers, Managing Diversity, Making Decisions, Group-Aided Decision Making : A Contingency Perspective, Managerial Creativity, Creative Problem Solving.

3. Organizing, Managing Human Resources, and Communicating
Organizations : Structure, Effectiveness, and Cultures
What Is an Organization ?, Organization Charts, Contrasting Theories of Organization, Organizational Effectiveness, Management Ethics, Organizational Cultures.
Organizing in the Twenty-First Century
Contingency Design, The Global Manager, Basic Structural Formats, Contingency Design Alternatives, Effective Delegation, The Changing Shape of Organizations.
Human Resources Management
Human Resource Strategy : A People-Centered Approach, Recruitment and Selection, Managing Diversity, Performance Appraisal, Training, Contemporary Human Resource Challenges and Problems.
Communicating in the Internet Age
The Communication Process, Dynamics of Organizational Communication, Management Ethics, Communication Problems and Promises in the Internet Age, Becoming a Better Communicator.

4. Motivating and Leading
Motivating Job Performance
Motivation Theories, The Global Manager, Motivation Through Job Design, Motivation Through Rewards, Motivation Through Employee Participation, Motivation Through Quality-of-Work-Life Programs.
Group Dynamics and Teamwork
Fundamental Group Dynamics, Group Development, Organizational Politics, Management Ethics, Conformity and Groupthink, Teams, teamwork, and Trust.
Influence, Power, and Leadership
Influence Tactics in the Workplace, Power, Leadership, Managing Diversity, Mentoring, Behavior Modification.
Change, Conflict, and Negotiation
Change, Overcoming Resistance to Change, Making Change Happen, Managing Diversity, Managing Conflict, Negotiating

5. Organizational Control Processes
Organizational Control and Quality Improvement
Fundamentals of Organizational Control, Crisis Management, The Global Manager, The Quality Challenge, An Introduction to Total Quality Management(TQM), Deming Management.


b. STATISTIC FOR MANAGERS IN INSURANCE COMPANIES

1. What is Statistics
Descriptive Statistics, Inductive Statistics.

2. Describing Data-Frequency Distributions
The Frequency Distribution, Graphical Representation of a Frequency Distribution.

3. Graphical Representation of Data
The Arithmetic Scale, Semilogarithmic (Ratio) Scaling.

4. Describing Data-Measure of Central Tendency
Mean, Median, and Mode of Ungrouped Data, Geometric Mean.

5. Measures of Dispersion
Measures of Dispersion-Ungrouped Data, Interpretation and Uses of the Standard Deviation, Relative Dispersion, A Computer Application.

6. Index Numbers
Types of Index Numbers, Construction of Index Numbers, Consumer Price Index, Special Uses of the Consumer Price Index.

7. Time Series Analysis
Components of a Time Series, Trend Analysis, Nonlinear Trends.

8. Simple and Multiple Regression and Correlation Analysis
Regression Analysis, Correlation Analysis, An Application Using a Computer Package.

9. A Survey of Probability Concepts
Approaches to Probability, Some Basic Rules of Probability.

10. The Binomial Probability Distribution
Binomial Probability Distributions, The Importance of Probability Distributions in Decision Making.

11. The Normal Probability Distribution
Some Features of the Normal Distribution, The Standard Normal Distribution, Application of the Standard Normal Distribution, Other Uses of the Standard Normal Distribution.

12. An Introduction to Sampling
Reason for Sampling, Types of Sampling, Sampling Error, Statistical Estimation, Selecting an Appropriate Sample Size, Interpreting Confidence Intervals for Population Proportions.

13. Test of Hypothesis : Large Sample
The Procedure in Hypothesis Testing, Testing a Hypothesis for the Population Mean, Hypothesis Testing : Two Means.

14. Test of Hypothesis About Proportions
A Test About a Population Proportion, A Test for the Difference Between Two Population Proportions.

15. Chi-Square Tests
Chi-Square Test of Significance, Chi-Square Test of Goodness of Fit, The Chi-Square as a Test of Independence, Contingency Table Analysis.


AJ.04. MANAJEMEN RISIKO DAN SELEKSI RISIKO

Buku Wajib :

a. Life and Health Insurance Underwriting, 3rd Edition, Mary C. Bickley, Barbara Foxenberger Brown, Jane Lightcap Brown, Harriet E. Jones, LOMA 2007. (Bobot soal 50%)
b. Risk Management and Insurance, 7th Edition, C. Arthur Williams, Jr., Michael L. Smith, Peter C. Young, McGraw-Hill 1995. (Bobot soal 50%)

Silabus :

a. LIFE AND HEALTH INSURANCE UNDERWRITING

1. Principles of Underwriting
Risk Pooling and the Law of Large Numbers, Goal of Underwriting, Risk Assessment, Underwriting Philosophy and Underwriting Guidelines, Ethics in Underwriting.
2. The Underwriting Position
Underwriting Job Positions, Job Competencies of a Successful Underwriting, Underwriting Training, Decision Options and Authority Levels of Underwriters, Organization of the Underwriting Unit, The Relationship of Underwriting to Other Insurance Functions.
3. Legal Aspects of Underwriting Individual Policies
Contract Law Issues that Affect Underwriting, Regulatory Compliance Issues that Affect Underwriting, Underwriting Standards.
4. Underwriting Activities and Technology
Underwriting as Part of New Business, Policy Issue, Reinsurance Underwriting, Underwriting Technology.
5. Underwriting Individual Life Insurance: Medical Factors
Sources of Medical Information, Assessing Medical Factors, Underwriting Substandard Risks.
6. Underwriting Individual Life Insurance: Financial Factors
Risks Deterred by Financial Underwriting, Sources of Financial Information, Assessing Need and Financial Factors, Tools to Determine the Appropriate Amount of Life Insurance.
7. Underwriting Individual Life Insurance: Personal Factors
Sources of Personal Information, Assessing Personal Factors.
8. Underwriting Business Insurance, Specialized Policies, Replacements, and Supplemental Benefits
Underwriting Business Insurance, Underwriting Specialized Policies, Underwriting Policy Replacements, Underwriting Supplemental Benefits.
9. Underwriting Individual Health Insurance
Underwriting Activities, Underwriting Factors, Underwriting Individual Disability Income Insurance, Underwriting Individual Long-Term Care Insurance.
10. Legal Aspects of Group Insurance Underwriting
The Group Insurance Contract, Regulatory Compliance Issues Affecting Group Insurance Underwriting.
11. Group Insurance Underwriting Activities
Information Sources, The Proposal of Insurance, The Master Application, Rating Methods, Post-Issue Underwriting.
12. Risk Assessment for Group Insurance
The Proposed Group, The Proposed Coverage.


b. RISK MANAGEMENT AND INSURANCE

1. An Introduction to Risk and Uncertainty
Essential Concepts: Certainty, Uncertainty, and Risk, Some Further Concepts Related to Risk, Some Further Issues Related to Uncertainty, Risk, Uncertainty, and Morality, Managing Risk and Uncertainty.

2. An Introduction to Risk Management
Historical Development of the Risk Management Function, Risk Management Today Organizational Risk Management.

3. Risk Assessment I : Risk Assessment Fundamentals
Risk Identification, Hazard and Loss Analysis, Risk Measurement.

4. Risk Assessment II : Quantitative Methods in Risk Assessment
Importance of Numerical Estimates, Claim Estimation, Estimates of Precision.

5. Property Exposures to Risk
Types of Property Exposures, Valuation of Potential Property Losses,
Time Element Losses : A Further Look, Property-Losses Frequency and Severity Data.

6. Liability Exposures to Risk
A Brief Introduction to Law, Specific Liability Problem Areas for Organizations, Ethics, Law, and Their Relationship to Risk Management.

7. Human Resource Exposures to Risk
Reasons for Concern of Risk Managers, Assessing Exposures of Employee: Loss Frequency, Assessing Loss Exposures: Loss Severity,
Assessing Direct Exposures of Organizations.

8. Risk Control
What Is Risk Control and When Is It Used ?, The Relationship of Risk Control to Risk Assessment, The Relationship of Risk Control to Risk Financing, Risk Control and Speculative Risks, Risk Control Tools and Techniques, Loss Reduction, Risk Control, Government and Society.

9. Risk Financing Techniques I
Types of Risk Financing Methods, Retention, Insurance Transfers, Noninsurance Risk Financing Transfers, Hedging or Neutralization, Considerations Affecting Choice between Retention and Transfer.

10. Risk Financing Techniques II
The Risk Financing Continuum, Transfer or Mostly Transfer Techniques, Transfer/Retention Techniques, Retention or Mostly Retention Techniques.

11. A Rationale for Risk Management in Organizations
Expected Utility and a Risk-Averse Individual’s Demand for Insurance, The Demand for Insurance in the Context of a Portfolio of Assets, The Effects of Risk Management in a Frictionless Market, Frictionless Markets and Public-Sector Risk Management, Insurance, Risk Management and Stakeholder Interests, Risk Management in Organizations.

12. Risk Management Decision Methods: Data Organization and Analysis
Elements Common to Risk Management Problems, Reviewing Insurance Priorities, Identification of Break-Even Points Limitations, Willingness to Pay for Claims Management and Other Services Related to Insurance, Evaluating Long-Term Projects in Publicly Held Corporations, Evaluating Long-Term Projects in the Public Sector, Use of Financial Ratios in Risk Management.

13. An Introduction to the Insurance Industry
Four Conceptual Issues, Insurance Functions and Services, The Insurance Industry Today.

14. The Pricing of Insurance
Terminology and Basic Concepts, Pricing Objectives, Basic Pricing Methods, Principal Rating Procedures, Rating Organizations.

15. Insurance Regulation and Financial Assessment
Overview of Insurance Regulation, Historical Development of State Insurance Regulation, The Structure and Functions of State Insurance Regulation, Financial Assessment of Property-Liability Insurers, Financial Assessment of Life and Health Insurers.

16. Legal Aspects of Insurance Contracts
A Legal Definition of Insurance, Requirements for a Valid Contract, Distinguishing Features of Insurance Contracts, Disclosure of Information by Insured, Rights of Insured at Variance with Policy Provisions, Authority of Agents, Standardization.

17. Insurance Contract Analysis : Property and Liability Coverage
A Basic Consideration: Understanding Contract Structure, A Framework for Analysis, Property Insurance : Events Covered, Property Insurance: Amount of Recovery, Property Insurance : Procedure for Securing Payment of Benefits, Liability Insurance : Events Covered, Liability Insurance : Amount of Recovery.

18. Insurance Contract Analysis : Life Insurance
Introduction : Perspective for Analysis, Basic Concepts Related to Structure of Coverage, The Investment Element in life Insurance, Risk Borne by Parties to a Life Insurance Contract, Options and Other Features of Life Insurance.

19. Insurance Contract Analysis : Health Insurance
Moral Hazards and Health Insurance, Insurance for Health Care Services, Insurance for Loss of Income : Basic Concepts.

20. An Overview of Risk Management Administration
Policies and Procedures, Information Management, Contracted Service Management, Claims Supervision, Program Review and Monitoring.

21. Property and Liability Insurance Contracts
Property and Liability Coverage

22. Social Insurance
What is Social Insurance ?, Social Security, Social Insurance, and Public Assistance, Is Social Insurance “Insurance” ?, Reasons For Social Insurance, Social Insurance System of the United States, Old-Age, Survivors and Disability Insurance, Medicare, National Health Insurance Proposals, Unemployment Insurance.

23. Workers` Compensation and Workplace Safety
Common Law Liability for Employers, Workers` Compensation Theory and Practice: 1911 to Present, Workers` Compensation Today, Workers` Compensation Outside, Current Issues and Problems with Workers` Compensation, Workers` Compensation and Risk Management.

24. Employee Benefit Plans
Scope and Importance, Life Insurance and Survivor Benefit Programs, Health Benefit Programs, Including Disability Income, Retirement Income Programs, Flexible or “Cafeteria” Benefit Programs, Typical Features of Group Benefit Programs.

25. Design Issues in Employee Benefit Plans
Forces Affecting Program Design, Basic Decisions in Group Benefit Programs, Nonqualified Deferred Compensation.



AJ.05. PEMASARAN ASURANSI JIWA

Buku Wajib :

a. Life and Health Insurance Marketing, 3rd Edition, Sharon B Allen, Mary C. Bickley, Dennis W. Goodwin, Jennifer W. Herrod, Patsy Leeuwenburg, LOMA 2003. (Bobot soal 100%)

Silabus :

a. LIFE AND HEALTH INSURANCE MARKETING

1. An Introduction to Marketing
What is Marketing ?, The Evolution of Marketing, Marketing Challenges for Insurance and Other Financial Services Companies.
2. The Marketing Environment
Elements of The Marketing Environment, The Internal Environment, The External Environment.
3. Regulation of Life and Health Insurance Marketing
U.S. State Regulation, U.S. Federal Regulation, The Canadian Legal Environment.
4. International Insurance Marketing
Factors Encouraging International Marketing, Researching International Markets, Choosing International Markets, International Marketing Strategy.
5. Planning Marketing Goals and Strategies
Types of Planning, The Planning Process, The Marketing Plan.
6. Organizing, Implementing, and Controlling Marketing Activities
Organizing Marketing Operations, Implementing Marketing Strategies, Controlling Marketing Activities.

7. Market Segmentation and Target Marketing
Market Segmentation, Target Marketing.

8. Marketing Information Systems
Sources of Marketing Information, Information System Technologies, Reporting Marketing Information.

9. Marketing Research Projects
The Marketing Research Process, Limitations of Marketing Research.

10. Basic Product Concepts
What is a Product ? Goods and Services, Commercial and Consumer Products, Product Mix, The Product Life Cycle, Additional Product Strategy Concepts.

11. Product Development
Product Innovations, The Product Development Process.

12. Pricing : A Marketing Perspective
Primary Factors Affecting Pricing Decisions, Pricing Strategies, Rate Structures, Pricing Methods, Price Evaluation, Product Line and Portfolio Pricing Considerations.

13. Customer Behavior
Factors Influencing Customer Behavior, Types of Decision-Making Behavior, The Purchase Decision Process.

14. Customer Relationship Marketing
Identifying Valuable Customers, Satisfying Customer Needs, Retaining Customers, Developing a Customer Relationship Marketing Strategy.

15. Distribution Channels
Personal Selling Distribution Systems, Financial Institutions Distribution Systems, Direct Response Distribution Systems.

16. Insurance Producer Licenses, Contracts, and Compensation
Licenses, Contracts, Compensation.

17. Distribution Channel Strategies
Distribution Channel Decisions, Managing Distribution Channels.

18. Promotion : An Overview
Promotion Tools, Developing a Promotion Strategy, Establishing the Promotion Budget, Creating and Effective Promotion Mix, Coordinating Promotional Efforts.

19. Personal Selling
Why Insurance Companies Use Personal Selling, The Personal Selling Process, Qualifications Needed by Insurance Producers.

20. Advertising
Classes, Types, and Forms of Advertising, Developing an Advertising Campaign, Regulation of Insurance Advertising.

21. Sales Promotion and Publicity
Sales Promotion, Publicity.