Faculty Profile

Yu-Luen Ma

Yu-Luen Ma

Title
Professor
Department
Finance, Insurance, Real Estate and Law
College
College of Business

    

Education

PhD, University of Wisconsin-Madison, 1999.
Major: Business
Degree Specialization: Risk Management and Insurance
Dissertation Title: Cross-Subsidization and Choice in the Group Health Insurance Market
MS, University of Wisconsin-Madison, 1995.
Major: Business: Actuarial Science
BA, National Taiwan University, 1994.
Major: Political Science
Degree Specialization: International Relations

Current Scheduled Teaching*

RMIN 3100.002, Introduction to Risk Management and Insurance, Spring 2024 Syllabus
RMIN 2500.001, Personal Risk Management, Spring 2024 Syllabus
RMIN 2500.010, Personal Risk Management, Spring 2024 Syllabus
RMIN 4900.715, Special Problems, Spring 2024

* Texas Education Code 51.974 (HB 2504) requires each institution of higher education to make available to the public, a syllabus for undergraduate lecture courses offered for credit by the institution.

Previous Scheduled Teaching*

RMIN 3100.001, Introduction to Risk Management and Insurance, Fall 2023 Syllabus SPOT
RMIN 2500.001, Personal Risk Management, Fall 2023 Syllabus SPOT
RMIN 2500.010, Personal Risk Management, Fall 2023 Syllabus SPOT
RMIN 4900.714, Special Problems, Fall 2023
RMIN 3100.002, Introduction to Risk Management and Insurance, Summer 5W2 2023 Syllabus
RMIN 3100.002, Introduction to Risk Management and Insurance, Spring 2023 Syllabus SPOT
RMIN 2500.001, Personal Risk Management, Spring 2023 Syllabus SPOT
RMIN 2500.010, Personal Risk Management, Spring 2023 Syllabus SPOT
RMIN 4900.715, Special Problems, Spring 2023
RMIN 3100.001, Introduction to Risk Management and Insurance, Fall 2022 Syllabus SPOT
RMIN 2500.001, Personal Risk Management, Fall 2022 Syllabus SPOT
RMIN 2500.010, Personal Risk Management, Fall 2022 Syllabus SPOT
RMIN 4900.714, Special Problems, Fall 2022
RMIN 3100.001, Introduction to Risk Management and Insurance, Summer 5W1 2022 Syllabus SPOT
RMIN 3100.002, Introduction to Risk Management and Insurance, Spring 2022 Syllabus SPOT
RMIN 2500.001, Personal Risk Management, Spring 2022 Syllabus SPOT
RMIN 2500.010, Personal Risk Management, Spring 2022 Syllabus SPOT
RMIN 4900.715, Special Problems, Spring 2022 Syllabus
RMIN 3100.001, Introduction to Risk Management and Insurance, Fall 2021 Syllabus SPOT
RMIN 2500.001, Personal Risk Management, Fall 2021 Syllabus SPOT
RMIN 2500.010, Personal Risk Management, Fall 2021 Syllabus SPOT
RMIN 4900.714, Special Problems, Fall 2021 Syllabus
RMIN 2500.001, Introduction to Risk Management and Insurance, Summer 5W1 2021 Syllabus SPOT
RMIN 2500.003, Introduction to Risk Management and Insurance, Spring 2021 Syllabus SPOT
RMIN 2500.004, Introduction to Risk Management and Insurance, Spring 2021 Syllabus SPOT
RMIN 4900.715, Special Problems, Spring 2021 Syllabus
RMIN 2500.003, Introduction to Risk Management and Insurance, Fall 2020 Syllabus SPOT
RMIN 4600.001, Risk Management, Fall 2020 Syllabus SPOT
RMIN 2500.001, Introduction to Risk Management and Insurance, Summer 5W1 2020 Syllabus SPOT
RMIN 2500.003, Introduction to Risk Management and Insurance, Spring 2020 Syllabus
RMIN 2500.004, Introduction to Risk Management and Insurance, Spring 2020 Syllabus
RMIN 2500.003, Introduction to Risk Management and Insurance, Fall 2019 Syllabus SPOT
RMIN 2500.004, Introduction to Risk Management and Insurance, Fall 2019 Syllabus SPOT
RMIN 2500.001, Introduction to Risk Management and Insurance, Summer 5W1 2019 Syllabus SPOT
RMIN 2500.003, Introduction to Risk Management and Insurance, Spring 2019 Syllabus SPOT
RMIN 4900.700, Special Problems, Spring 2019
RMIN 2500.003, Introduction to Risk Management and Insurance, Fall 2018 Syllabus SPOT
RMIN 4600.001, Risk Management, Fall 2018 Syllabus SPOT
RMIN 2500.003, Principles of Risk and Insurance Management, Spring 2018 Syllabus SPOT
RMIN 2500.003, Principles of Risk and Insurance Management, Fall 2017 Syllabus SPOT
RMIN 4600.001, Risk Management, Fall 2017 Syllabus SPOT

* Texas Education Code 51.974 (HB 2504) requires each institution of higher education to make available to the public, a syllabus for undergraduate lecture courses offered for credit by the institution.

Published Publications

Published Intellectual Contributions

Conference Proceeding
Ma, Y., Zhu, X., Hu, X., Chiu, Y. (2016). Contextual Driving Risks Analysis Using Dynamic Smartphone-Based Data: The Potential for Usage Based Insurance.
Ma, Y., Ren, Y. (2015). Is Catering Rewarded?: Evidence from the Insurance Industry.
Ma, Y., Hu, X., Chiu, Y., Zhu, L. (2015). Studying Driving Risk Factors using Multi-Source Mobile Computing Data. Other.
Ma, Y., Chiu, Y., Hu, X. (2014). Identifying Driving Risk Factors to Support Usage-Based Insurance using Smartphone Personalized Driving Data.
Ma, Y., Inoguchi, M., Pope, N., Suzawa, Y. (2014). National Market Economic Growth: The Contributions of Insurance Market Synergies.
Ma, Y., Pope, N. (2013). Loss Reserve Errors as a Source of Insurer Capital.
Ma, Y., Pope, N., Yeung, R. (2010). Insurer Performance in the Asian Marketplace: The Impact of Market Structure and Foreign Participation on Market Competitiveness.
Ma, Y., Pope, N., Xie, X. (2010). The Cost of Insurer Reputation-Protection in the Post-Spitzer Investigation Era: The Impact of Contingent Commission Abandonment.
Ma, Y., Pope, N., Xie, X. (2009). Contingent Commission and Insurer Efficiency in the Property-Casualty Insurance Marketplace.
Ma, Y., Huang, L., Lai, G., Pope, N. (2007). Corporate Governance and Non-Life Insurance Efficiency in the Japanese Marketplace.
Ma, Y., Pope, N. (2006). The Market Structure-Performance Relationship in the International Insurance Sector.
Ma, Y., Schmit, J., Kerr, D. (2004). Is Liability a Substitute for Social Insurance?.
Ma, Y., Browne, M., Wang, P. (2004). Reserve Errors and Stock Options.
Ma, Y., Carson, J., Ostaszewski, K. (2003). What is the true Value of Tax Deferral?. Society of Actuaries.
Ma, Y., Pope, N. (2002). Determinants of International Insurers’ Participation in Foreign Non-Life Market.
Journal Article
Ma, Y., Ren, Y. (2023). InsurTech—Promise or Threat? Insights from Stock Market Reaction to InsurTech Innovation. Pacific-Basin Finance Journal. 80(September), . https://doi.org/10.1016/j.pacfin.2023.102059
Ma, Y., Ren, Y. (2021). Insurer Risk and Performance during the 2007-2008 Financial Crisis: The Role of Monitoring Institutional Ownership. Journal of Risk and Insurance. 88(2), 351-380.
Ma, Y., Lei, Y. (2019). Dynamic Analysis of Total Cost of Risk with Simulation Software. Other. 10(1), 35-50.
Ma, Y., Pope, N. (2019). The Impact of Sarbanes-Oxley on Property-Casualty Insurer Loss Reserve Estimates. The Geneva Papers on Risk and Insurance: Issues and Practice. 45(2), 313-334.
Ma, Y., Hu, X., Zhu, X., Chiu, Y., Tang, Q. (2019). Advancing Usage Based Insurance - A Contextual Driving Risk Modeling and Analysis Approach. IET Intelligent Transport Systems. 13(3), 453-460.
Ma, Y., Ren, Y. (2018). Is Catering Rewarded?: Evidence from the Insurance Industry. The Geneva Papers on Risk and Insurance: Issues and Practice. 43(3), 539-559.
Ma, Y., Zhu, X., Hu, X., Chiu, Y. (2018). The Use of Insurance Telematics Data in Auto Insurance Rate Making. Transportation Research Part A: Policy and Practice. 113, 243-258.
Ma, Y., Zhu, X., Yuan, Y., Hu, X., Chiu, Y. (2017). A Bayesian Network Model for Contextual versus Non-contextual Driving Behavior Assessment. Transportation Research Part C: Emerging Technologies. 81, 172-187.
Inoguchi, M., Ma, Y., Pope, N., Suzawa, Y. (2016). Insurance business synergies, economic growth and strategic planning. Other. 8(3), 191-216. Inderscience Publishers.
Pope, N., Ma, Y. (2016). The Role of Loss Reserves in Smoothing Insurer Cost of Capital. 20(1), 1-18.
Hu, X., Chiu, Y., Ma, Y., Zhu, L. (2015). Studying Driving Risk Factors using Multi-Source Mobile Computing Data. Other. 4(3), 295-312. Elsevier BV. http://dx.doi.org/10.1260/2046-0430.4.3.295
Ma, Y., Wang, P. (2014). Executive Compensation and Risk Taking in the Property and Liability Insurance Industry. Journal of Insurance Issues. 37(2), 187-207.
Ma, Y., Pope, N., Xie, X. (2014). Insurer Performance and Intermediary Remuneration: The Impact of Abandonment of Contingent Commissions. Other. 39(2), 373-388. Springer Nature. http://dx.doi.org/10.1057/gpp.2013.12
Ma, Y., Pope, N., Xie, X. (2014). Contingent Commissions, Insurance Intermediaries, and Insurer Performance. Risk Management and Insurance Review. 17(1), 61-81. Wiley-Blackwell. http://dx.doi.org/10.1111/rmir.12004
Ma, Y., Pope, N., Yeung, R. (2013). Foreign Participation and Its Relationship with Non-Life Insurer Performance in the Northeast Asian Markets. Other. 38(1), 43-61. Springer Nature. http://dx.doi.org/10.1057/gpp.2012.20
Ma, Y., Ren, Y. (2012). Do Publicly Traded Property-Casualty Insurers Cater to the Stock Market?. Journal of Risk and Insurance. 79(2), 415-430. Wiley-Blackwell. http://dx.doi.org/10.1111/j.1539-6975.2011.01438.x
Huang, L., Ma, Y., Pope, N. (2012). Foreign Ownership and Non-Life Insurer Efficiency in the Japanese Marketplace. Risk Management and Insurance Review. 15(1), 57-88. Wiley-Blackwell. http://dx.doi.org/10.1111/j.1540-6296.2011.01202.x
Ma, Y., Ren, Y. (2011). Influence of the Stock Prices on Insurers’ Managerial Decisions. Other. 11(2), 77-83.
Pope, N., Ma, Y., Xie, X. (2009). Insurer Performance and Contingent Commissions: What's the Relationship?. 63(5), 53-56.
Ma, Y., Browne, M., Wang, P. (2009). Stock-Based Executive Compensation and Reserve Errors in the Property and Casualty Insurance Industry. Journal of Insurance Regulation. 27(4), 35-54.
Kerr, D. A., Ma, Y., Schmit, J. T. (2009). A Cross-National Study of Government Social Insurance as an Alternative to Tort Liability Compensation. Journal of Risk and Insurance. 76(2), 367-384. Wiley-Blackwell. http://dx.doi.org/10.1111/j.1539-6975.2009.01303.x
Ma, Y., Pope, N., Xie, X. (2009). Insurer Performance and Contingent Commissions: What’s the Relationship?. 9(2), 45-57.
Pope, N., Ma, Y. (2008). The Market Structure-Performance Relationship in the International Insurance Sector. Journal of Risk and Insurance. 75(4), 947-966. Wiley-Blackwell. http://dx.doi.org/10.1111/j.1539-6975.2008.00292.x
Elango, B., Ma, Y., Pope, N. (2008). An Investigation Into the Diversification-Performance Relationship in the U.S. Property-Liability Insurance Industry. Journal of Risk and Insurance. 75(3), 567-591. Wiley-Blackwell. http://dx.doi.org/10.1111/j.1539-6975.2008.00275.x
Ma, Y., Pope, N. (2008). Foreign Share, Insurance Density, and Penetration: An Analysis of the International Life Insurance Market. Risk Management and Insurance Review. 11(2), 327-347. Wiley-Blackwell. http://dx.doi.org/10.1111/j.1540-6296.2008.00143.x
Ma, Y., Elango, B. (2008). When Do International Operations Lead to Improved Performance? An Analysis of Property-Liability Insurers. Risk Management and Insurance Review. 11(1), 141-155. Wiley-Blackwell. http://dx.doi.org/10.1111/j.1540-6296.2008.00135.x
Ma, Y., Browne, M. (2005). Subsidization and Choice in the Group Health Insurance Market. Journal of Risk and Insurance. 72(3), 413-439. Wiley-Blackwell. http://dx.doi.org/10.1111/j.1539-6975.2005.00131.x
Pope, N. (2005). Applicability of the Permanent Income Hypothesis to Life Insurance Consumption Habits. Other. 5(2), 1-9.
Pope, N., Ma, Y. (2005). Applicability of the Permanent Income Hypothesis to Life Insurance Consumption Habits. 5(2), 1-9.
Pope, N., Ma, Y. (2005). Market Deregulation and Insurer Pricing Strategies: The Japanese Experience. Other. 30(2), 312-326. Springer Nature. http://dx.doi.org/10.1057/palgrave.gpp.2510028
Pope, N., Ma, Y. (2004). Grade-Risk: An Insurable Event in the Classroom. Risk Management and Insurance Review. 7(2), 189-196. Wiley-Blackwell. http://dx.doi.org/10.1111/j.1098-1616.2004.00045.x
Ma, Y., Pope, N. (2003). Determinants of International Insurers' Participation in Foreign Non-Life Markets. Journal of Risk and Insurance. 70(2), 235-248. Wiley-Blackwell. http://dx.doi.org/10.1111/1539-6975.00058
Yu-Luen Chen, (2001). Application of tilt sensors in human-computer mouse interface for people with disabilities. Other. 9(3), 289-294. Institute of Electrical and Electronics Engineers (IEEE). http://dx.doi.org/10.1109/7333.948457
Ma, Y., Schmit, J. T. (2000). Factors Affecting the Relative Incidence of Uninsured Motorists Claims. The Journal of Risk and Insurance. 67(2), 281. JSTOR. http://dx.doi.org/10.2307/253776
Magazine/Trade Publication
Pope, N., Ma, Y. (2013). SOX Has No Impact on P/C Reserving; Earnings Management Persists. Feb(14), . http://www.carriermanagement.com/features/2013/02/14/100000.htm

Awarded Grants

Contracts, Grants and Sponsored Research

Grant - Research
Ma, Y. (Co-Principal), Ren, Y. (Co-Principal), "Insurer Risk and Performance during the 2007-2008 Financial Crisis: The Role of Monitoring Institutional Ownership," Sponsored by Katie School of Insurance and Financial Services, Other, $16000 Funded. (20162016).
Ma, Y. (Co-Principal), Chiu, Y. (Co-Principal), Hu, X. (Co-Principal), "Pay-As-You-Drive-And-You-Save (PAYDAYS) Insurance Actuarial Study," Sponsored by Federal Highway Administration, Federal, $300000 Funded. (October 2013September 2016).
Ma, Y. (Co-Principal), Pope, N. (Co-Principal), "Implications of Loss Reserve Misestimation: Are There Penalties for Excessive Reserving Errors?," Sponsored by Katie School of Insurance and Financial Services, Other, $16000 Funded. (20152015).
Ma, Y. (Principal), "Insurance Telematics and Drive Safe Incentives for Teenage Drivers," Sponsored by Illinois State University, Other, $8000 Funded. (20142014).
Ma, Y. (Co-Principal), Ren, Y. (Co-Principal), "Is Catering Rewarded?: Evidence from the Insurance Industry," Sponsored by Katie School of Insurance and Financial Services, Other, $16000 Funded. (20142014).
Ma, Y. (Co-Principal), Pope, N. (Co-Principal), "Cost of Capital and Insurer Loss Reserve Manipulation," Sponsored by Katie School of Insurance and Financial Services, Other, $16000 Funded. (20132013).
Pope, N., Ma, Y., "Synergistic Effects of Life and Nonlife Insurance Industries on International Economic Development," Sponsored by Illinois State University, State, $5000 Funded. (20122013).
Ma, Y. (Co-Principal), Pope, N. (Co-Principal), "The Impact of Sarbanes-Oxley on Property-Casualty Insurer Loss Reserve Estimates," Sponsored by Katie School of Insurance and Financial Services, Other, $16000 Funded. (20122012).
Ma, Y. (Co-Principal), Pope, N. (Co-Principal), "The Effect of Sarbanes-Oxley Act on Insurer Loss Reserving Accuracy," Sponsored by Katie School of Insurance and Financial Services, Other, $3000 Funded. (20112011).
Ma, Y. (Co-Principal), Pope, N. (Co-Principal), "Executive Compensation and Risk Taking in the Property and Liability Insurance Industry," Sponsored by Katie School of Insurance and Financial Services, Other, $3000 Funded. (20102010).
Ma, Y. (Co-Principal), Pope, N. (Co-Principal), "Insurer Performance in the Asian Marketplace: An Examination of the Impact of Market Structure and Foreign Participation," Sponsored by Illinois State University, Other, $16000 Funded. (20102010).
Ma, Y. (Co-Principal), Ren, Y. (Co-Principal), "Growth or Profit-Margin: Do Publicly-Traded Property-Casualty Insurers Cater to the Market?," Sponsored by Illinois State University, Other, $16000 Funded. (20092009).
Ma, Y. (Co-Principal), Pope, N. (Co-Principal), "The Cost of Insurer Reputation-Protection in the Post-Spitzer Investigation Era: The Impact of Contingent Commission Abandonment," Sponsored by Katie School of Insurance and Financial Services, Other, $3000 Funded. (20082008).
Ma, Y. (Co-Principal), Pope, N. (Co-Principal), "Contingent Commissions, Insurance Intermediaries and Insurer Efficiency," Sponsored by Katie School of Insurance and Financial Services, Other, $16000 Funded. (20072007).
Ma, Y. (Co-Principal), Pope, N. (Co-Principal), "Do Extensive Government Social Programs Reduce Liability Costs?," Sponsored by Katie School of Insurance and Financial Services, Other, $16000 Funded. (20062006).
Ma, Y. (Principal), "The relationship between stock options and loss reserves by property-liability insurers," Sponsored by Katie School of Insurance and Financial Services, Other, $13950 Funded. (20052005).
Ma, Y. (Co-Principal), Pope, N. (Co-Principal), "Market Competition and Insurance Pricing: An International Analysis," Sponsored by Katie School of Insurance and Financial Services, Other, $16000 Funded. (20042004).
Ma, Y. (Co-Principal), "Factors affecting Global Life Insurers’ Foreign Involvement," Sponsored by Katie School of Insurance and Financial Services, Other, $10900 Funded. (20032003).
Ma, Y. (Co-Principal), B., E. (Co-Principal), "Geographic Diversification and Corporate Performance: An Analysis of Property-Liability Insurers," Sponsored by Katie School of Insurance and Financial Services, Other, $16000 Funded. (20032003).
Ma, Y. (Co-Principal), B., E. (Co-Principal), "Does Product Diversification Lead to Better Financial Performance for Insurers," Sponsored by Katie School of Insurance and Financial Services, Other, $16000 Funded. (20022002).
Ma, Y. (Co-Principal), Pope, N. (Co-Principal), "What Determines International Insurers’ Foreign Market Entry," Sponsored by University of New South Wales, Other, $5000 Funded. (20012001).
Ma, Y. (Principal), "Plan Choice and Demand for Employer-Provided Health Insurance," Sponsored by University of New South Wales, Other, $5000 Funded. (20002000).
Grant - Teaching
Ma, Y. (Co-Principal), Pope, N. (Co-Principal), "Professional Education Program," Sponsored by Spencer Educational Foundation, National, $16500 Funded. (20212023).
Ma, Y. (Co-Principal), Pope, N. (Co-Principal), "Incorporating RMI Professional Designations into Undergraduate RMI Curriculum," Sponsored by Spencer Educational Foundation, National, $15000 Funded. (20192020).
Ma, Y. (Co-Principal), Pope, N. (Co-Principal), "Grade Insurance: Capitalizing on Classroom Learning Opportunities," Sponsored by Katie School of Insurance and Financial Services, Other, $3000 Funded. (20022002).
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Overall
Summative Rating
Challenge and
Engagement Index
Response Rate

out of 5

out of 7
%
of
students responded
  • Overall Summative Rating (median):
    This rating represents the combined responses of students to the four global summative items and is presented to provide an overall index of the class’s quality. Overall summative statements include the following (response options include a Likert scale ranging from 5 = Excellent, 3 = Good, and 1= Very poor):
    • The course as a whole was
    • The course content was
    • The instructor’s contribution to the course was
    • The instructor’s effectiveness in teaching the subject matter was
  • Challenge and Engagement Index:
    This rating combines student responses to several SPOT items relating to how academically challenging students found the course to be and how engaged they were. Challenge and Engagement Index items include the following (response options include a Likert scale ranging from 7 = Much higher, 4 = Average, and 1 = Much lower):
    • Do you expect your grade in this course to be
    • The intellectual challenge presented was
    • The amount of effort you put into this course was
    • The amount of effort to succeed in this course was
    • Your involvement in course (doing assignments, attending classes, etc.) was
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