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Experience Studies on Determining Life Premium Insurance Ratings: Practical Approaches

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  • Cristea, Mirela
  • Mitu, Narcis Eduard

Abstract

The focus of this article is to present the modelling tehcniques used on international practice in the evaluation of right life premiums based. The knowledge and models obtained have a common element of mortality risk indicators but these are varied in different parts of the world. The common elements of these studies and models are generally based on a series of indicators which mainly point out their probability of survival and they are named the mortality indicators. These indicators represent the basis for the calculation of the premiums quotes and for the elaboration by the insurers of premium tables. The benefit for the policyholder is to obtain insurance at a fair and competitive price and for the insurer, to maintain the experience of its portfolio in line with mortality assumptions.

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Bibliographic Info

Paper provided by University Library of Munich, Germany in its series MPRA Paper with number 11311.

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Date of creation: 2008
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Publication status: Published in Eurasian Journal of Business and Economics 2008 1.1(2008): pp. 61-82
Handle: RePEc:pra:mprapa:11311

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Keywords: Insurance Premiums Quota; Actuarially Selection Criteria; Experience Studies;

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