A New View of the Requisites of Insurability
重新审视可保风险的传统要件，指出该领域研究停滞源于缺乏关注而非要件恒定，并强调其对风险评估、监管定义及新产品开发的重要性，旨在激发新研究并辅助教学。
The question of what characteristics are requisites of an insurable risk is an old one. Yet, despite the expanding group of risks covered by insurance,1 the question receives little critical attention.2 The author attributes the stagnation to lack of research rather than to constancy of the requisites. Determination of necessary characteristics of an insurable risk is important in a number of ways, including the following. One, the risk management tools of evaluation and decision-making presented to students of are founded on such characteristics. Two, regulation (particularly the state premium taxes on insurance) and tax deductibility requires ever-finer definitions of insurance. Three, some possibility exists that new insurance products cover potentially uninsurable risks. This note is an attempt to spur new interest in researching the issue of insurability. It is also intended as a possible aid to teachers of insurance.