The optimal insurance has very important application.

The optimal insurance policy will offer full coverage above a deductible in case of a single loss,as Arrow and others have been proved long since.

The paper examines the optimal insurance polices from the investor s point view.

Optimal Reinsurance under the Standard Deviation Calculation Principle;

Basing on the model of reinsurance market by Borch in 1990,the sufficient and necssary conditions for the tactics of optimal reinsurance is given,the application of utility theory in insurance and the nature of the optimal reinsurance tactics is discussed in this artcile.

The researches about reinsurance are paid great attention, especially the optimal reinsurance problem.

On Final Safe Protective Screen of Person Holding Declaration Form: Insurance Guarantee Fund;

In a complete and efficient market under intertemporal equilibrium,a risk-averse individual can choose his optimal insurance strategy to maximize his expected utility of terminal wealth.

This paper gives the sufficient - necessary conditions which the optimal reinsurance strategy should suggest, analysis the form of a strategy, and discusses three price mechanism to obtain the corresponding determinate strategy.