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FINAL PROGRAM
2004 Western Risk and Insurance Association Meeting
January 2-5
Las Vegas, Nevada

FRIDAY, JANUARY 2
4:00-5:00 P.M. Board Of Director’s Meeting
5:00 - 6:00 P.M. Registration
6:00 - 8:00 P.M. Reception

SATURDAY, JANUARY 3
7:30-8:00 Breakfast

8:00 - 9:15 A.M.
Plenary Session: The Team Approach to Risk Management: Addressing Enterprise Risk and Risk Quality Issues

Featured Speakers:
Lance Ewing, VP of Risk Management, Park Place Entertainment and President of RIMS
John Bullock, President- Willis of Mississippi

9:30-10:45 A.M. SESSION A: AUTO INSURANCE

  1. “Determinants of Total Compensation for Auto Bodily Injury Liability under No-Fault: Investigation, Negotiation and the Suspicion of Fraud”
    Richard A. Derrig (Automobile Insurers Bureau of Massachusetts)
    Herbert I. Weisberg (Correlation Research Inc)
  2. “Deterrence, Compensation and Claims Adjustment: A Comparison of No-Fault and Tort Property Damage Schemes in Canada”
    Peter Carayannopoulos (Wilfrid Laurier University) Mary Kelly (Wilfrid Laurier University) Maureen Tomlinson (Wilfrid Laurier University)
  3. “Automobile Insurance in Canada: Increasing Costs and Proposed Solutions” Gilles Bernier (Laval University) Anne E. Kleffner (University of Calgary)
  4. “Are Low-Income Drivers High Risk—Or Victims Of Adverse Selection Induced By Pay-Per-Car Premiums?” Patrick Butler (National Organization for Women)

11:00 -12:00 Noon SESSION B: GAMING, INVESTING AND INSURANCE

  1. “Analogs Between Gaming Companies and Insurance Companies: A Second Look” David T. Russell (California State University, Northridge)
  2. “Trading Strategies”
    Arnold Shapiro (Penn State University)
  3. “Captured Money? Evidence from Insurance Companies Managed Mutual Funds”
    Xuanjuan Chen (University of Rhode Island) Tong Yao (University of Arizona) Tong Yu (University of Rhode Island)

SUNDAY, JANUARY 4
8:30-9:45 A.M. SESSION C: PRICE, EFFICIENCY AND PERFORMANCE

  1. National Market Liberalization and its Impact on Pricing Competitiveness: The Case of Non-Life Insurance Yu-Luen Ma (Illinois State University) Nat Pope (Bradley University)
  2. Measuring Technical Efficiency in the Canadian Property & Casualty Insurance Industry Using DEA Gilles Bernier (Laval University) Komlan Sedzro (University of Quebec in Montreal)
  3. Financial Scenario Models And Parameter Sensitivity: An Application To Life Insurance Kevin C. Ahlgrim (Illinois State University) Stephen P. D’Arcy (University of Illinois) Richard W. Gorvett (University of Illinois)

10:00-11:00 A.M. CONCURRENT SESSION D1: CLAIMS AND THE INSURANCE CONTRACT

  1. “Hurdle Rates For Asymmetric Insurance Claims” Thomas J. O’Brien (University Of Connecticut)
  2. “Terms and Conditions in a Harder Property Insurance Market” George B. Flanigan (Illinois State University)
  3. “The Neglect of Damage Recurrence in Claiming Decisions” Yoram Eden ((The College of Management, Rishon Letzion)) Doron Sonsino (The College of Management, Rishon Letzion)

10:00-11:00 A.M. CONCURRENT SESSION D2: FINANCIAL PLANNING and CORPORATE GOVERNANCE ISSUES

  1. “Some Less-Considered Aspects of Tax-Deferral” James M. Carson (Florida State University) Yu-Luen Ma (Illinois State University) Krzysztof Ostaszewski (Illinois State University)
  2. “An Examination of Fees and Efficiencies in the Variable Annuity Marketplace” Jim Carson (Florida State University) Lee Colquitt (Auburn University) Randy Dumm (Florida State University)
  3. “Gender Issues around Early Retirement Incentives” Norma L. Nielson (University of Calgary) Terry A. Beehr (Central Michigan University) David K. W. Chan (University of Calgary)

11:15-12:15 CONCURRENT SESSION E1: LIABILITY EXPOSURES AND INSURANCE CONTRACTS

  1. “Regulation of Risk Retention Groups: A Case for Reform” William Warfel (Indiana State University)
  2. “Professional Liability Insurance Contracts: Claims Made vs. Occurrence Policies” M. Martin Boyer (University of Montreal) Karine Gobert (University of Sherbrooke)
  3. “Hospital Litigation: Risk Management Implications” Peter Mikolay (Indiana State University) William Warfel (Indiana State University)

11:15-12:15 CONCURRENT SESSION E2: CATASTROPHIC EXPOSURES

  1. “Catastrophic Losses versus Growth Potential: Analysis of Post-WTC Attack Earnings Forecasts of Insurance Industry” Xuanjuan Chen (University of Rhode Island) Bingxuan Lin (University of Rhode Island) Tong Yu (University of Rhode Island)
  2. “Great Britain’s Pool Re: A Solution for Insuring Against Terrorism?” Christian Thomann (University of Hannover)
  3. “Potential Subsidies In State Coastal Windstorm Insurance Plans” Richard B. Corbett (Florida State University) Karen L. Hamilton (Columbus State University)

12:30-1:30 WRIA Sponsored Luncheon
1:30- 2:00 WRIA Business Meeting

MONDAY, JANUARY 5
8:30-9:30 A.M. SESSION F: THE MORAL HAZARD PROBLEM

  1. “State Anti-insurance Fraud Programs and Laws: Illinois vs Other States” Han B. Kang (Illinois State University)
  2. “The Consequences of Bad Faith Insurance Claims” Mark L. Wilson (West Virginia Insurance Commission)
  3. Defense Costs Determinants for Property-Liability Insurers Karen Epermanis (University of Mississippi) Kathleen A. McCullough (Florida State University)

9:45-11:00 A.M. SESSION G: LIFE/HEALTH INSURANCE INDUSTRY ISSUES

  1. “An Examination of the Efficiency of Health Maintenance Organizations (HMOs)” Patricia Born (California State University-Northridge) Vivian Jeng (National Chen-Chi University, Taiwan) Michael J. McNamara (Washington State University)
  2. “Reputation and Strategic Competitive Positioning in the Life Insurance Industry” William L. Ferguson (University of Louisiana at Lafayette) Tamela D. Ferguson (University of Louisiana at Lafayette)
  3. “The Importation of Foreign-Origin Drugs to the U.S. Market: An Economic, Regulatory, and Strategic Analysis” Patricia H. Born (California State University, Northridge) Ryan B. Lee (University of Calgary)
  4. “Ownership Structure, Efficiency, and Long-Term Performance: Life Insurer Demutualizations in U.S.” Vivian Jeng (National Cheng-Chi University) Gene C. Lai (Washington State University) Michael McNamara (Washington State University)

11:15-12:15 P.M. SESSION H: INSURER MARKET and PERFORMANCE ISSUES

  1. “Market Structure and Quality”
    Beverly Frickel (University of Nebraska at Kearney)
  2. “Operating Efficiency Over Time”
    Peter M. Ellis (Utah State University)
  3. “Dividend Decisions in the Property & Liability Insurance Industry: Mutual versus Stock Companies”
    Mulong Wang (University of Rhode Island)
    Chuanhou Yang (Gannon University)
    Minglai Zhu (NanKai University)
    Hong Zou (Lingnan University)
  4. “Implementing Enterprise Risk Management in the property/casualty insurance industry”
    Madhusudan Acharyya (University of Southampton)
    WRIA 38th Annual Meeting Concludes