Temat: annuity - Katalog OPAC zbiorów

Skocz do pozycji: 1.

Tytuł:: A Multiple State Model for Premium Calculation when Several Premium-Paid States are Involved
Autorzy:: Dębicka, Joanna
Zmyślona, Beata
Powiązania:: https://bibliotekanauki.pl/articles/2076271.pdf
Data publikacji:: 2018
Wydawca:: Polska Akademia Nauk. Czytelnia Czasopism PAN
Tematy:: modified multiple state model
net premium
life annuity
criticalillness insurance
accelerated death benefits
Opis:: The aim of this contribution is to derive a general matrix formula for the net period premium paid in more than one state. In order to avoid “overpayment” which implies higher premiums we give a formula for replacement of lump sum benefit into annuity benefits paid in more than one state. The obtained result is useful for example to more advanced models of dread disease insurances allowing period premiums paid by both healthy and ill person (e.g. not terminally yet). As an application, we supply analysis of dread disease insurances against the risk of lung cancer based on the actual data for the Lower Silesian Voivodship in Poland.
Źródło:: Central European Journal of Economic Modelling and Econometrics; 2018, 1; 27-52
2080-0886
2080-119X
Pojawia się w:: Central European Journal of Economic Modelling and Econometrics
Dostawca treści:: Biblioteka Nauki

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Skocz do pozycji: 2.

Tytuł:: Analiza porównawcza hipotecznych rent małżeńskich w krajach Unii Europejskiej
Comparative analysis of marriage reverse annuity contracts in the countries of the European Union
Autorzy:: Dębicka, Joanna
Marciniuk, Agnieszka
Powiązania:: https://bibliotekanauki.pl/articles/434016.pdf
Data publikacji:: 2015
Wydawca:: Wydawnictwo Uniwersytetu Ekonomicznego we Wrocławiu
Tematy:: marriage reverse annuity contract
status of the common life
status of the last surviving
multiple state model
Opis:: People live longer. Social insurance pensions are low and may be insufficient to survive with dignity. Therefore, new products appear on the market, which creates a possibility of obtaining additional financial resources. One of such products is called a reverse annuity contract. When the property owners are couples, an important issue is enabling the marriage reverse annuity contract when both spouses are alive, and then when one of them dies. The aim of this article is a comparative analysis of the amount of the marriage reverse annuity contract benefits in the countries of the European Union. In particular to determine the range of the size of annuity payments. For analysis of the amount of annuity benefits, countries in which the expected future life expectancy of men and women were the shortest and the longest a fixed age group of spouses was selected. In addition, the amount of annuities was analyzed in the countries where the absolute difference between the duration of the life of the spouses is the smallest and the largest. Poland is the country in which the expected future life expectancy of women and men, and the difference between these values is typical. Therefore, Poland was included in the analysis. In order to simplify the calculations, the matrix representation of formulas for annuity benefits is used. The analysis is based on Life Tables from the year 2009. All calculations were made using own interfaces written in MATLAB.
Źródło:: Śląski Przegląd Statystyczny; 2015, 13 (19); 89-110
1644-6739
Pojawia się w:: Śląski Przegląd Statystyczny
Dostawca treści:: Biblioteka Nauki

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