146 Insurance Essay Topics to Write About

🏆 Best Insurance Topics for Presentation

1. Why Health Insurance Should Cover Art and Music Therapy?
2. Business Ethics Concerns: State Farm Insurance Company
3. Benefits for Teachers: Social and Medical Insurance
4. Limited Access to Health Insurance for Low-Income Families
5. Health Costs and Insurance in Healthcare
6. Market Analysis of Allstate Insurance Company
7. Anthem’s Balanced Scorecard: Performance & Improvement Insights

✍️ Insurance Essay Topics for College

1. Insurance Data Processing and Storage: Edge Computing

   Insurance companies employ large amounts of data to set premiums for premiums, which can be processed by the edge computing paradigm’s fast, secure and reliable infrastructure.
2. Health Insurance for Employees

   Every company is responsible for the welfare of its employees and healthcare insurance certainly falls into the parameter of welfare
3. Allstate Insurance Company’s Diversity Goals

   Allstate insurance company is one of the companies in the world that are enjoying the benefits of having set diversity management as one of its strategic goals.
4. Role of Mandatory Health Insurance

   The health care system is one of the U.S. government priorities but has been in a crisis, and even for an elementary procedure, a patient can be billed thousand dollars.
5. Children’s Health Insurance Program: The Role of Nurses

   This paper aims at discussing the nurse’s role in designing and implementing the Children’s Health Insurance Program (CHIP).
6. Maritime Insurance: A Case Study Law Report

   Operations in the maritime industry are characterised by threats that may lead to financial losses. Some of them include piracy, fire, and bad weather.
7. Rationale Strategy: PetSafe Pet Insurance

   This paper discusses emails of PetSafe Pet Insurance. Discusses the strategy of the company to involve new clients.
8. Government and Private Health Insurance

   According to the Census Bureau, government insurance plans have 38% of Americans in comparison to 67% of people who get private health insurance services.
9. Selling Life Insurance Policies: Viatical Settlements Analysis

   Viatical settlements allow people with a life expectancy of two or fewer years to sell their life insurance policy for a value higher than the policy’s current face value.
10. McKinsey & Company: State Farm Insurance Assessment

    In this paper, McKinsey & Company is to be discussed as a management consulting firm that deals in consultancy, especially at senior management levels.
11. Discussion of Business Insurance Types

    Business insurance is one of the potential way of guarding business against losses due to events that may occur during the regular course of business.
12. Tricare and Other Health Insurance Programs

    This paper helps to understand the main programs of Tricare in detail and in nuance required by a healthcare professional.
13. Is Insurance a Right or a Privilege?

    The purpose of this article is to address the problems of the US health care system related to unequal access to health care.
14. The Health Care Insurance Supervisor: Job Description

    The job description covered most of the aspects of my roles as the supervisor at healthcare insurance organization.
15. Health Insurance in the US

    The US health insurance system contains multiple organizations that work to reduce the burden of the increasing costs of health services in the country.
16. Lloyd’s Company Solvency: Unique Insurance Strategy

    It is crucial for Lloyd’s to develop its information management approach and work on the means to promote a better cohesion between its members.
17. Health Insurance: Payment Methods by Bodenheimer & Grumbach (2012)

    In the United States of America, there is a large portion of the population that does not have health insurance. This tendency occurs because health insurance is quite expensive.
18. Insurance Management Strategies for Burglary and Thrift Exposure: Analyzing Risks

    In order to prevent the shop owner from suffering major financial losses in the case of a raid, such a method as noninsurance transfer can be suggested.
19. Life Insurance: Theory and Practice

    Life insurance can be defined as the contract between the insurer and the person owns the policy. Some countries include some events like bills and death expenses are included in the premium policy.
20. Captive Insurance as a Risk Management Tool

    Captive insurance is a type of insurance where the insurer fully owns the company, which provides services to the parent company, majorly risk mitigation.
21. Health Insurance and Medicare for All

    Medicare for All, introduced by a wing of the Democratic party, accounts for one national health insurance program for all Americans with a fundamental right to healthcare.
22. Mandating Employer-Provided Insurance

    The long-term effects of mandating employer-provided insurance, such as healthcare or other benefits, may be detrimental to low-paid workers.
23. State Health Insurance Marketplace in Pennsylvania

    Pennsylvania launched its health insurance exchange in 2021. The paper evaluates Pennsylvania’s public exchange, its services, and its effectiveness.
24. Health Insurance and Inaccessibility in the US

    The inaccessibility of social health insurance in the U.S. to some segments of the population is a general global problem affecting everyone in the country.
25. Analysis of Health Insurance in Texas, USA

    Health insurance has a unique role in the transformation of the modern healthcare system of the United States because provides coverage of medical services.
26. Health Insurance and the Affordable Care Act

    The paper provides a commerce clause brief, as held by various Supreme Court judges, by defending the position that Congress has no constitutional power.
27. Social Insurance Program Importance

    Social insurance programs are more effective since they provide social security for the basic income to those in their later years.
28. Revisions of Health Insurance Portability and Accountability Act

    Health Insurance Portability and Accountability Act improves the accountability of health insurance. It benefits stakeholders: patients, healthcare workers, and the whole system.
29. The Insurance-Based Inequity Discussion

    Humanity continues to fight cancer, trying to prevent people’s deaths. From 1991 to 2018, the cancer death rate in the United States decreased by more than thirty percent.
30. Insurance Financial Advising Concepts

    The job of insurance financial advising is to offer clients consultation on their capital. A special plan is developed that meets the lifestyle of a particular person.
31. An Agent-Based Model of Flood Risk and Insurance

    This paper provides all essential information concerning the nature of property and liability insurance along with its core principles.
32. Healthcare Insurance Organizations’ Risk of Fraud

    Today, numerous companies are experiencing problems resisting illegal actions and suffering losses because of their consequences.
33. Health Maintenance Organization Insurance

    Health Maintenance Organization is a healthcare insurance plan that commonly confines coverage to care from physicians who work for the HMO insurance.
34. Expanding Medicare and Medicaid into a National Health Insurance System

    The paper analyzes the reasons why the national healthcare insurance program should be implemented and presents critics on how the initiative should be realized.
35. Health Insurance Coverage in Florida

    Health insurance coverage is comprehensive coverage on the means of financing an individual’s healthcare expenses.
36. Life Insurance Inc.’s Yes2Life Mobile Application

    This report presents the documented design of the Yes2Life mobile application for Life Insurance Inc. based in Brisbane Australia.

📰 Insurance Article Topics

Are you looking for engaging topics for your article on insurance? Do not worry! We have prepared a lot of fresh ideas to inspire you!

What Is the Difference Between Life and General Insurance?

Life insurance covers a person’s life. The beneficiary of this policy will receive a death benefit if the insured passes away. Now, what’s general insurance? It’s a financial product protecting non-life assets like homes, vehicles, and health. General insurance will compensate for the repair or replacement costs if the insured items get damaged, lost, or stolen. Besides, it helps people financially prepare for natural disasters and accidents.

What Can Insurance Protect You From?

Insurance can protect you or your possessions from various unpleasant events. For example, it can safeguard your belongings against theft, damage, or loss. Moreover, insurance can provide financial support for people who have lost their loved ones or cover medical expenses for those having severe illnesses.

What Is the Main Challenge of the Insurance Industry?

The insurance industry’s main challenge is adapting to speedy technological advancements. Digital transformation requires insurers to update their operations to address common technology-related issues, such as cybersecurity risks or rapid technological obsolescence. Besides, insurance companies face problems such as escalating healthcare costs, frequency and severity of natural disasters, and lack of skilled professionals.

How Do Insurance Companies Fail?

The insurance industry is founded on trust and public confidence. Thus, if an insurance company cannot win customers’ trust, it will fail. Poor managerial practices are another reason why insurance companies may go bust. Such management mistakes as infrequent internal auditing or excessive reinsurance can eventually lead to insolvency. Finally, insurance organizations feel strained and may fail in case of unexpected natural disasters, which cause such businesses to lose profits.

Will AI Replace Insurance Agents?

Undoubtedly, AI can analyze vast amounts of data, assess possible risks, and suggest optimal coverage in real time. In other words, AI can efficiently provide comprehensive insurance solutions to customers. Yet, AI still cannot supersede a person in building emotional connections with clients and showing empathy.

👍 Interesting Insurance Topics for Presentation

1. The Role of Business Ethics in Insurance Companies

   Business ethics remains a rather relevant issue for the insurance business, as the latter participates in programs for the implementation of corporate social responsibility.
2. The Emergence of Private Health Insurance

   The study of the issue of the emergence of private health insurance and how it arose in society has exceptional value for study.
3. Healthcare Insurance in the USA

   The healthcare policies on insurance coverage in the USA need to benefit all people. The paper discusses insurance healthcare policies as social welfare concept.
4. National Health Insurance in the United States

   In this paper, attention will be paid to the history of the U.S. healthcare system, current reimbursement methodologies, technological advancements, and costs.
5. Social Welfare Policy and Healthcare Insurance

   Healthcare insurance must be more affordable; in the modern US, low-income people, especially immigrants, are uninsured and cannot afford health insurance coverage.
6. Health Insurance Calculations Regarding Medicare

   The current paper indicates that when it comes to reimbursement, the CMS says that, on average, Medicare covers around 80% of all payments.
7. Importance of Life Insurance and Annuities

   In the case of insurance, the policyholder pays a certain amount in return for a premium upon the passing of the insured individual.
8. Issue of the Urgent Need for Health Insurance

   The paper states that the urgent need for health insurance disorients people. Failing to find quick insurance, they abandon it and put themselves at risk.
9. Disability Income Insurance: Benefits and Drawbacks

   Disability income insurance is a supplemental policy that protects policyholders from losing their income if they cannot work due to illness or an accident.
10. Automation of Insurance Industry: Personal Reflection

    This paper discusses the automation of the insurance industry the crucial for its likelihood of reaching an expanded customer cloud due to the sudden outbreak of Covid-19.
11. Abolishing Out of Pocket Healthcare Insurance

    The paper discusses out-of-pocket healthcare. It refers to a mode of healthcare payment that entails using one’s own money to purchase health services.
12. Employer-Provided Health Insurance (EPHI) Model

    EPHI is the predominant healthcare insurance model available in the United States. It includes access to medical services, lower out-of-pocket payment, and saving time.
13. Business Liabilities and Insurance

    This essay describes the potential business liabilities related to residential rental properties, recommended types of insurance, and approaches to mitigate risks.
14. Primary, Secondary, and Supplementary Health Insurance

    A medical insurance policy covering a client as a subscriber, an employee, or a member is known as primary insurance.
15. Hourly or Specific Days Insurance Policy Coverage

    The essay overviews the emergence of usage-based insurance policies, how they changed the situation for insurance companies and how competitive this type of market is.
16. The Insurance Industry in Saudi Arabia

    The Saudi government has taken measures to ensure that the country’s insurance industry is robust and up to international standards.
17. Customer Loyalty Within the Insurance Industry

    The aim of the study will be divided into overall objective which is further divided into a number of specific objectives for comprehensive analysis.
18. Britam Insurance Company’s Sales and Marketing Management Software

    Britam Insurance Company has to adopt the new marketing and management software to remain at the top of the highly competitive insurance industry.
19. State Children’s Health Insurance Program

    The SCHIP is a program between the federal and state governments that provides comprehensive health care coverage to uninsured children from financially-challenged families.
20. Indemnity Dental Insurance and Its Benefits

    The major benefit of indemnity insurance is that it gives the patients an opportunity to receive the service of the dentist of their choice.
21. Indemnity Dental Insurance: Pros and Cons

    The carrier processes payments to the plan member or to the dentist only after the insurance entity receives and reviews the dentist’s bill.
22. Dental Plans and Dental Insurance

    This paper discusses how does the ADA plan save money for the patient and whether DR increases or decreases employer’s administrative burden for dental insurance.
23. Hull and Machinery Insurance and Protection and Indemnity Clubs

    Hull and Machinery and Protection and Indemnity insurance policies complement each other, while the captive insurance altogether provides control to ship owners.
24. Health Insurance Myth and Misconceptions in Nursing

    This paper discusses the article “Myths and misconceptions about US health insurance” about the failure to understand the complicated process of health insurance.
25. Property Casualty Insurance

    This discussion assesses the property casualty insurance where such vices as accidents to the employees and loss of funds due to negligence can arise.
26. Healthcare Insurance: Effects of Adverse Selection

    People will go for insurance plans where they pay the minimal amount of premiums but get the maximum cover. This type of reasoning is referred to as adverse selection.
27. Moral Hazard in Healthcare Insurance

    Moral hazard in health insurance refers to the additional medical care that an individual gets on the basis of higher insurance coverage.
28. The Policy for the Travel Insurance and Legal Concepts

    Travel or Flight Accident Insurance Policy is a popular cover offered by this firm. In the event that one is involved in a flight accident, this policy offers as much as $100,000.
29. Risk Management: Various Insurance Types

    The paper introduces the concepts of risk and insurance, considers different types of insurances and liability policies, and makes respective conclusions.
30. Homeowners Insurance Policy

    The paper will discuss the contractual components of a home insurance policy together with its general contents and coverage.
31. Using Mau Technique for Choosing an Insurance Package

    Four coverage plans were analyzed, taking into account performance reports, which show the core segments’ quality of services.
32. Medical Insurance Cover for Vulnerable Age Groups

    Medical experts have confirmed that early screening and detection of women among this age group is necessary in order to avert health crises before reaching a severe stage
33. The Issues of Insurance of Health

    Income inequalities and lack of insurance lead to poor health conditions. Health coverage is primarily useful because it compensates for all the medical expenses to the hospital.
34. Health Insurance: Overview of Insurance Plans in USA

    In this article, the author looks at the various insurance plans available in the US, their coverage, and target populations.
35. Prepaid Insurance or Payment Adjustments

    Prepaid insurance is a kind of prepayment that stands for the installments made for the expenses which have not been procured yet.
36. Why the HIH Insurance Collapsed?

    This ‘historical point of view was not only in terms of the extent of losses, but also for the far-reaching effects on the Australian community.

📝 Life Insurance Topics to Write About

Life insurance is a contract that promises a death benefit to beneficiaries when the insured person dies. This insurance type enables the family of the deceased to cover expenditures like funeral costs and outstanding debts. The death benefit is generally tax-free and allows beneficiaries to stay afloat in tough financial times.

If you want some ideas for your paper on life insurance, consider these suggestions:

1. How did COVID-19 change life insurance pricing and offerings?
2. Examine the impact of interest rates on the life insurance industry.
3. The significance of life insurance at different life stages.
4. What is the link between financial literacy and the demand for life insurance?

💡 Simple Insurance Essay Ideas

1. Capital Mortgage Insurance Corporation’s Negotiations

   It is important to apply the guidelines that will enable Capital Mortgage Insurance Corporation to facilitate effective communication during the negotiation.
2. Medical Insurance: Health Care Reform

   The United States is said to have reached a stage where the status of health care is precarious, primarily because of it is simply not sustainable anymore.
3. Credit Life and Credit Disability Insurance

   Credit insurance and credit disability insurance are services provided by several insurance companies. Credit life makes an effort to cover the remaining loan when one dies.
4. Australian Insurance Market Segment Analysis

   The report elaborates a specific market segment of Australian motor car insurance via an understanding of its customers.
5. Health Insurance Crimes in the United States

   There need to be more stringent regulations in the way Medicare claims are filed and met, a concerted effort from the part of patients, physicians, insurers, and the government.
6. Health Insurance Exchange: Economic Perspective

   A health insurance exchange or marketplace is defined as an area where residents may identify the conditions for having health insurance.
7. Debate on Abortion Insurance in South Dakota

   The Healthcare Insurance Ban health policy in South Dakota is a public health concern and a direct violation of federal law.
8. Health Insurance Abortion Ban in South Dakota

   The policymakers of South Dakota should strive to ensure that the Health Insurance Abortion ban is more inclusive by considering rape and incest-related pregnancies.
9. National Health Insurance: Debate Summary

   This work presents the flow of discussion about the National Health Insurance system showing its potential influence on the development of the policies and summarizes the outcomes.
10. Sociology: Economic Class and Health Insurance

    The paper explores the hypothesis that higher economic class people are more likely to have comprehensive health insurance.
11. The State Children’s Health Insurance Program

    Having conducted a thorough analysis of the shortcomings of the SCHIP, I came to the conclusion that the program has good potential, even though it should be revised.
12. Health Insurance for Children With Special Needs

    The health gaps affecting CSHCN are products of two major factors – low levels of health literacy (social impediments to health care access) and poor government policies.
13. Health Insurance: Prisoner’s Dilemma

    By becoming part of the universal health insurance, the prison would no longer have to negotiate for specific healthcare items at increased cost and limited choices.
14. The Federal Insurance Contributions Act: Economic Burden

    Payroll tax, such as the Federal Insurance Contributions Act (FICA), is a form of tax imposed on the wages that employees receive from a given firm.
15. Florida Health Insurance Options & Reform Impact

    This work includes information on health insurance, general health statistics of the population in Florida, and the state’s position on health care reform.
16. Risk Management Practices at Anthem Insurance Companies Analyzed

    The organization in question is an insurer Anthem that has to provide reimbursements to medical establishments for their services.
17. Anthem Insurance Companies’ Cost Benefit Analysis

    This paper provides a cost and benefits analysis (CBA) and the evaluation of patient safety issue from the perspective of Anthem.
18. National Health Insurance and Its Disadvantages

    National health insurance (NHI) invariably becomes a reason for heated debates since the beginning of its history in 1912.
19. Affordable Care Act: Increased Insurance Costs and Reforms Needed

    The paper discusses the Affordable Care Act’s benefits and flaws. It also states that social media can be used to interact with the patients and improve the quality of healthcare.
20. Health Insurance Benefits and Cost Reduction

    This essay seeks to evaluate how health insurance benefits affect an organization’s strategic goal setting, as well as how organizations can ensure cost reductions.
21. National Health Insurance: Contrarguments

    In this paper, the arguments of the opponents that were presented to advocate for national healthcare insurance (NHI) are going to be countered.
22. ACA Impact on Health Coverage & Nursing Workload

    Health plans that are provided in the Florida state’s health exchange by ACA may only cover abortion in the cases when the life of the woman is at risk.
23. Risk Management and Insurance Principles

    The risk manager should develop allocate some funds into risk insurance. This will enable the company get the necessary funds to be able to reduce losses.
24. Old Age, Survivors, and Disability Insurance Benefits

    The Old Age, Survivors, and Disability Insurance benefits (OASDI) is one of the Social Security programs that every American is entitled to as their social right.
25. Understanding the Health Insurance Portability and Accountability Act: Key Provisions

    The general provisions of HIPAA establish the definitions for key terms, for example, PHI, health insurance coverage, group health plan, and covered entities.
26. Health Care Reform and Insurance in Florida: Key Changes and Implications

    The lack of sufficient health insurance in Florida coverage is one of the critical issues that prevent it from being considered healthy.
27. Health Insurances and Preventive Measures in the Obamacare Act

    ACA sparked off a lot of controversy dividing the people into two sides; some sing the praises to the act while others take a dim view believing that it has more cons than pros.
28. Health Insurance Remains Unaffordable for Many Americans

    Despite numerous attempts to improve the situation, Florida still has serious problems with the health coverage as a number of its respondents cannot afford health insurance.
29. Leadership Assessment at Robinson Insurance Agency: Key Findings

    Robinson Agency faces the challenges of selection, transition, and replacement associated with the human resources because of the necessity to select persons who have great leadership potential.
30. Overview of Healthcare Insurances Available in Florida: Coverage and Options

    Access to health insurance is one of the most critical issues of concern in the modern US health care system. This work discusses the health care insurances in Florida.
31. Obamacare and Universal Medical Insurance Coverage: Analysis and Outcomes

    It is paramount to provide universal health care insurance if the U.S. population is to have a better health level, and, consequently, a higher quality of life.
32. Analyzing the Effects of Health Insurance Policies on Nursing Practices

    The federal policy that has a significant impact on the role of the advanced practice registered nurse is the Health Insurance Portability and Accountability Act (HIPAA).
33. Statistical Research on Medical Insurance Coverage Among Citizens: Key Findings and Implications

    Healthy People 2020 is the project that comprises numerous recommendations related to health care and health promotion among Americans.
34. Health Promotion Strategies: Reducing Healthcare Insurance Costs Effectively

    Health promotion is targeted towards increasing the control over the health of the target audiences as well as the improvement of their health.
35. HIPAA: Impact on Healthcare Privacy and Risk Management

    The healthcare system is concerned with the duties of providing the people with treatment, prevention measures, and overall management of health.
36. The New York State Department of Financial Services: Tackling Insurance Malpractices

    This report examines the disciplinary measures that have been employed by the insurance regulator in the State of New York in a bid to determine what constitutes a good insurance company.
37. Health Insurance Types and Market Failures: Understanding the Issues

    Market failure is the term used by economists to describe instances where insurance markets fail to provide adequate insurance services at reasonable prices.
38. Analyzing the Economic Viability of National Health Insurance Models

    In this paper, an economic analysis of a National Health Insurance is going to be carried out, in the US context. There is going to be presentation of the historical background of Insurance.

🌶️ Hot Insurance Ideas to Write about

1. Accident Insurance Claim Personal Injury Insights
2. Bank Runs and Moral Hazard: A Review of Deposit Insurance
3. Choosing the Right Insurance for Homeowners
4. Cheap Car Insurance for Young Drivers
5. Employer-Provided Health Insurance and Job Change
6. Crop Insurance Under Restricted Access to Financial Markets
7. Case Capital Mortgage Insurance Corporation
8. Directors’ and Officers’ Insurance and Shareholders’ Protection
9. Crop Insurance, Moral Hazard, and Agricultural Chemical Use
10. Corporate Insurance With Optimal Financial Contracting
11. The Importance of Financial Innovation in Deposit Insurance
12. Federal Deposit Insurance Corporation
13. Choosing the Right Pet Insurance Policies
14. Examining the Insurance Industry in Nigeria
15. Financial Instability and Life Insurance Demand
16. Bad Debt Loss Insurance in Settlement and Litigation
17. Health and Health Insurance Trajectories of Mexicans in the US
18. Children’s Health Insurance Program: An Evaluation 1997-2010
19. Disability Insurance, Population Health, and Employment in Sweden
20. Crop Insurance Moral Hazard From Price and Weather Forecasts
21. Employment and Adverse Selection in Health Insurance
22. Canadian Immigration and Health Insurance
23. Background Uncertainty and the Demand for Insurance Against Insurable Risks
24. Affordable Health Insurance for Unemployed
25. Dealers’ Insurance, Market Structure, and Liquidity