Research Paper on Life Insurance. Life insurance is a safeguard for family members if the major supplier of income were to die and it were to grievously upset the common means for providing the basics of life. This does not include the burdens of financial expenses for burial, taxes, unplanned or emergency expenses, and furthered educational expenses for children or to Research and papers. ALUCA undertakes member research to provide you with a deeper understanding of the life insurance industry, shares external industry research, and member-produced papers on topics relevant to the future of the industry. Home. blogger.comted Reading Time: 50 secs Develop a research paper that will describe accepted actuarial costing techniques for life insurance, health insurance and annuity products. The primary focus of the work would be on products with longer-term guarantees. The research paper would also cover considerations in establishing assumptions and provide illustrative examples of how to
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Log In Sign Up. Life Insurance 11, research paper on life insurance, Followers. Papers People. Reverse Mortgages: Contracting and Crossover Risk. A pricing model is developed for a reverse mortgage contract where the borrower receives payments either as a lump sum or in an annuity while the loan balance accumulates as a claim against the house. No underwriting criteria on income No underwriting criteria on income are applied. One risk of default is that the borrower research paper on life insurance remain in the house after the negatively amortizing loan.
Save to Library. Comparative Analysis of Insurance Companies and Commercials Banks' Investment Portfolios and Economic Growth in Nigeria. The study covers the period from to The secondary data collected for the study were presented in tables and graphs. A multiple linear regression method was adopted to test the research hypotheses. An ex-post facto research design was adopted in the study. The findings were that there is a positive but no significant relationship between government securities, stock of bond, real estate and mortgage, policy and other loans, cash deposits, bills of exchange of insurance companies and economic growth in Nigeria.
This implies that investment portfolios of insurance companies do not contribute significantly to economic growth in Nigeria within the period under study. Also, there is a significant relationship between ordinary shares, preference shares, debentures, subsidiaries, research paper on life insurance, other investments, total investments of commercial banks and economic growth in Nigeria.
This implies that investment portfolios of commercial banks do contribute significantly to economic growth in Nigeria within the period under study. Research paper on life insurance were that insurance companies in Nigeria should increase their investments on government securities, real estate and mortgage, policy and other loans, as well as cash at hand and deposits for more feasible contribution to the economic growth in Nigeria.
Also, commercial banks in Nigeria should also channel their investment efforts on other subsidiaries and debentures for more realistic contribution to the economic growth in Nigeria among others. Unobserved Heterogeneity; Process and Parameter Effects in Life Insurance.
In this paper life insurance contracts based on an urn-of-urns model, with age-at-death as observable variable, are research paper on life insurance. Both the aggregate loss and its second moment for an individual contract are split in several components. Life insurance contracts are. Solidarity in group life insurance.
ABSTRACT Mitte der achtziger Jahre erschienen einige Artikel über SolidaritÄt, hauptsÄchlich angewandt auf den Bereich der Nichtlebensversicherung.
In diesem Beitrag wird eine Ähnliche Vorgehensweise in bezug auf die In diesem Beitrag wird eine Ähnliche Vorgehensweise in bezug auf die Gruppenlebensversicherung behandelt. Die Gruppe der Versicherten besteht aus zwei homogenen Untergruppen, deren Sterblichkeiten verschieden sind. Trotzdem müssen alle Versicherten dieselbe PrÄmie für dieselben Leistungen zahlen.
Die abgeleiteten Formeln werden durch einige Beispiele illustriert. In this contribution a similar approach will be done with respect to group life insurance. The group of insured exists of two homogeneous subgroups, mutually ordered in mortality. Despite of this, all insured have to pay the same premium for the same benefits. The cases of single premium payment and continuous level premium payment are discussed. The formulas derived are illustrated by some examples.
Two approximations of the present value distribution of a disability annuity. ABSTRACT The distribution function of the present value of a cash flow can be approximated by means of a distribution function of a random variable, research paper on life insurance, which is also the present value of a sequence of payments, but with a simpler structure ABSTRACT The distribution function of the present value of a cash flow can be approximated by means of a distribution function of a random variable, which is also the present value of a sequence of payments, but with a simpler structure.
The corresponding random variable has the same expectation as the random variable corresponding to the original distribution function and is a stochastic upper bound of convex order. A sharper upper bound can be obtained if more information about the risk is available. In this paper, it will be shown that such an approach can be adopted for disability annuities also known as income protection policies in a three state model under Markov assumptions. Benefits are payable during any spell of disability whilst premiums are only due whenever the insured is healthy.
The quality of the two approximations is investigated by comparing the distributions obtained with the one derived from the algorithm presented in the paper by Hesselager and Norberg [Insurance Math.
Life insurance research paper on life insurance are compared with non-life insurance contracts, also with respect to solidarity. Criteria for the future division of labor between private and social health insurance. It shows that the unexpected components of It shows that the unexpected components of insurance payments should be negatively correlated for minimizing total asset volatility.
The empirical finding is that in the United States, Japan, and Germany, the lines of social insurance contribute less to diversification than do those of private insurance. The article concludes with suggestions for new, umbrella-type insurance contracts that in the future should help individuals in the efficient management of their assets. Should life insurers have access to genetic test results? Practice research paper on life insurance pricing in non-life insurance: the malaysian experience.
The main objective of tariffs is to guarantee that However, one of the effects caused by the world economic crisis in is the process of liberalization which spread gradually in most financial Work and common health problems.
This paper reviews the evidence on the relationship between work and health. It concludes that, overall, the beneficial effects of work outweigh the risks of work, and are greater than the harmful effects of long-term worklessness, research paper on life insurance. That contrasts with increasing trends of sickness absence, long-term incapacity and ill-health retirement attributed to common health problems.
It suggests that there needs to be a fundamental shift in how we think about common health problems and work--in health care, the workplace and society. Household Portfolios in the Netherlands. The Economics of the Private Placement Market. The private placement market is an important source of long-term funds for US corporations. Nonetheless, it has received relatively little attention in the financial press or the academic literature, partly because of the nature of the Nonetheless, it has received relatively little attention in the financial press or the academic literature, partly because of the nature of the instrument itself.
In particular, a private Human values and attitudes toward bank services in Brazil. Purpose – The relationship between personal values and behaviour has been widely studied, and previous studies have demonstrated the mediating role of attitudes. The purpose of the study is to test the “values-attitude” relation in The purpose of the study is to test the “values-attitude” relation in banking services car insurance, life An exploration of life insurance among the elderly in Taiwan.
The burgeoning of the life insurance industry in Taiwan cannot be attributed solely to a rise research paper on life insurance incomes, but also to increasing urbanization and industrialization, research paper on life insurance, aggressive marketing strategies introduced by U. life insurance life insurance companies, and important changes in values that make it increasingly acceptable to own life insurance. The growing use of life insurance can be considered part of a transition from informal, familial care of the elderly to formal market mechanisms to protect the financial security of loved ones, including a widowed spouse, and as one component of the pattern of intergenerational relations.
We also consider motivations research paper on life insurance and against the ownership of insurance, and if insurance Evaluating the cost efficiency of insurance companies in Ghana. Quality of life in young adult survivors of childhood cancer. In recent years the necessity of measuring quality of life in childhood cancer survivors has been stressed, research paper on life insurance. This paper gives an overview of the results of studies into the quality of life QL of young adult survivors of childhood cancer This paper gives an overview of the results of studies into the quality of life QL of young adult survivors of childhood cancer and suggest areas for future research.
The review located 30 empirical studies published up to The results are described in terms of the following QL dimensions: physical functioning QL, general healthpsychological functioning overall emotional functioning, research paper on life insurance and anxiety, self-esteemsocial functioning education, research paper on life insurance, employment, insurance, living situation, marital status and familyand sexual functioning.
There is a need for methodological studies that measure QL among survivors of childhood cancer more precisely by taking into account the effects of the severity of the cancer and the long-term impact of different treatments. Additional data are needed to help us understand the needs of survivors and to identify those subgroups of survivors who are at greatest risk for the adverse sequelae of the disease and its treatment.
Non-life insurance consumption in Italy: a sub-regional panel data analysis. Tie-in arrangements of life insurance and savings: an economic rationale. Insureds with lower mortality rates will prefer to buy multiperiod contracts ie, whole life contracts tying savings and risk of death insurance, whereas higher mortality individuals will buy short-term life insurance and savings Insureds with lower mortality rates will prefer to buy multiperiod contracts ie, whole life contracts tying savings and risk of death insurance, whereas higher mortality individuals will buy short-term life insurance and savings separately.
Mortality of Life-Insured Swedish Cats during – Age, Breed, Sex, and Diagnosis. A cat life insurance database can potentially be used to study feline mortality. The aim was to describe patterns of mortality in life-insured Swedish cats. Age-standardized mortality rates MR were calculated with respect to sex males and femalesage, breed, research paper on life insurance, and diagnosis.
Survival to various ages is presented by time period and breed. The total number of cats insured was 49, and the number of cat-years at risk CYAR wasSex-specific rates did not differ significantly.
Term Vs. Whole Life Insurance (Life Insurance Explained)
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This paper has been written in an attempt to investigate and studied the Customer Relationship Management (CRM) strategies of Ping an Life Insurance company and evaluated how they are performed and come up with various recommendations for improvement. hellip; The idea of this research emerged from the author's interest and fascination in how Customer Relationship Management is applied in the Life Insurance In this paper we discuss the development of a valuation system of asset-liability management of portfolios of life insurance policies on advanced architectures. According to the new rules of the Solvency II project, numerical simulations must provide reliable estimates of the relevant quantities involved in the contracts; therefore, valuation processes have to rely on accurate Develop a research paper that will describe accepted actuarial costing techniques for life insurance, health insurance and annuity products. The primary focus of the work would be on products with longer-term guarantees. The research paper would also cover considerations in establishing assumptions and provide illustrative examples of how to
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