Arkiv

27 NFT 1/1998 Innledning Det er neppe noen tvil om at man generelt kan forvente høyere avkastning ved aksjeplasse- ringer enn om man for eksempel setter pengene i banken. Historiske erfaringer tilsier en mer- avkastning i en balansert aksjeportefølje som ligger i størrelsesorden fire prosentpoeng over en såkalt risikofri rente. Meravkastningen h...

1 NFT 1/1998 Inledning Min avhandling, som lades fram vid Lunds Universitet i maj 1996, presenterades i januari i år på ett möte arrangerat av Svenska Försäk- ringsföreningen. I samband med detta blev jag ombedd att i en artikel i NFT redovisa en del av mina forskningsresultat samt min syn på utvecklingen på konsumentförsäkrings- området efter l...

397 NFT 4/1997 Historical Background Many lives have been saved by the fire retarding effect of asbestos. It is however a known fact that the inhalation of large quan- tities of asbestos fibres may lead to asbesto- sis, lung cancer and mesothelioma. Asbestosis is a disease which resembles silicosis. Mesothelioma is a form of malig- nant lung can...

395 NFT 4/1997 Environmental pollution, pharmaceutical pro- ducts and asbestos related diseases are exam- ples of the so called latent claims of an older date. Newer ones are breast implants, tobacco, electromagnetic fields (EMF) and possibly sexual harassment. A few factors unlikely to change play a significant role in the development of latent...

393 NFT 4/1997 Traditional role of the Insurance Broker The traditional role of the Insurance Broker has been to act as an intermediary in placing and handling of insurance business between the clients and the insurance companies. In this role it is common that the Insurance Broker develops new products and modifies existing products to meet the...

389 NFT 4/1997 The insurance companies write about half of the premium in the London market. Almost as much is written by the Lloyd’s syndicates and the balance (5 %) is written by the Marine P&I Clubs. ILU and LIRMA could be de- The Company Market in the London Market – ILU & LIRMA by Karl Mårtensson, Sirius International Karl Mårtensso...

383 NFT 4/1997 A liability for faults According to traditional rules of tort law a dentist is liable only for injuries caused by negligence, i.e. injuries resulting from exami- nation or treatment (or lack of it) that do not meet the professional standard which could reasonably be required under the circum- stances – in short: A liability for fa...

377 NFT 4/1997 Firstly, I should like to thank the Swedish Insurance Federation for having invited me to present, on the central theme of ”Insurance for consumers” adopted by its Annual Assembly, the data, challenges and stakes at issue in this Europeanwide dossier. I see this as a manifestation of the Swedish market’s concern – as the birthplac...

369 NFT 4/1997 Finansielle virksomheders investeringsproblematik Som for enhver anden kommerciel virksom- hed drejer det sig i hverdagen om at skabe det bedst mulige resultat. For finansielle virk- somheder, som ikke har nogen egentlig vare- produktion, men nærmere et udbud af diverse tjenesteydelser, er produktivitetsbegrebet sta- dig relevant....

359 NFT 4/1997 1 Unit link – a new sort of life assurance 1.1 Introduction to unit link Thanks to new legislation taking effect in 1990, unit link was launched on the Swedish insurance market.1 Legally unit link is an insurance2, but is best described as a long- term saving product. Whether or not it is categorised as a saving or insurance produ...