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Profitability vs. Attractiveness Within a Performance Analysis of a Life Annuity Business

In: Mathematical and Statistical Methods for Actuarial Sciences and Finance

Author

Listed:
  • Emilia Di Lorenzo

    (University of Naples Federico II – Via Cinthia, Department of Economic and Statistical Sciences)

  • Albina Orlando

    (National Research Council – Via P. Castellino)

  • Marilena Sibillo

    (University of Salerno – Campus Universitario, Department of Economics and Statistics)

Abstract

Combining insurer’s profitability with products’ attractiveness in terms of marketing competitiveness is a critical issue within the risk/profit management of an insurance business. In particular life insurance products are characterized by the presence of financial and demographic risk sources, whose combined effect requires suitable management strategies. This paper deals with the impact of the load factor on life annuity portfolio performance from the insurers point of view. The aim is to build a performance indicator that clearly points out the role of the load factor in the performance making, giving to it a central role in the company management strategy. Such index is characterized by a simple mathematical structure and fits to the purpose: in fact it provides clear indications to the manager about the influence of the load factor on the performance of the life annuity business line.

Suggested Citation

  • Emilia Di Lorenzo & Albina Orlando & Marilena Sibillo, 2017. "Profitability vs. Attractiveness Within a Performance Analysis of a Life Annuity Business," Springer Books, in: Marco Corazza & Florence Legros & Cira Perna & Marilena Sibillo (ed.), Mathematical and Statistical Methods for Actuarial Sciences and Finance, pages 109-118, Springer.
    • Handle: RePEc:spr:sprchp:978-3-319-50234-2_9
    DOI: 10.1007/978-3-319-50234-2_9
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