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Journal articles on the topic 'Investment life insurance'

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Published: 4 June 2021
Last updated: 15 February 2022

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1

Rusakova, Oksana, and Sofia Golovan. "Development of Investment Life Insurance in Russia." Bulletin of Baikal State University 30, no. 3 (November 10, 2020): 402–11. http://dx.doi.org/10.17150/2500-2759.2020.30(3).402-411.

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Investment life insurance products appeared in the life insurance segment in the mid-70s of the last century and by the end of the decade, began to gain popularity in many countries (USA, Canada, Asia and Europe). Throughout its history of development, investment life insurance has experienced many ups and downs. Each financial crisis has had a negative impact on its development indicators. Despite this, interest in investment life insurance persists, as more and more potential policyholders want to use investments in various financial instruments in combination with insurance protection. At the same time, they agree to pay a higher insurance premium, being confident that they receive more for it than with traditional endowment life insurance. The article provides arguments in favor of the need for a legislative revision of restrictions on investment life insurance in order to increase its further attractiveness.
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2

Sumathisri, B. "Investors’ Preference towards Life Insurance Corporation of India." Asian Journal of Social Science Studies 2, no. 3 (September 12, 2017): 1. http://dx.doi.org/10.20849/ajsss.v2i3.174.

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Investments are both important and useful in the context of present day conditions of the economy. It is a common saying “One paisa saved is one paisa earned”. Life is a roller coaster ride and is full of twists and turns. Insurance policies are to safeguard against the uncertainties of life. The insurance principle comes to be more and more used and useful in modern affairs. Not only does it serve the ends of individuals, or groups, it tends to pervade and to transform modern social order, too. At this juncture, the extent to which Life Insurance goes to attract the investors has been undertaken in this study. The analysis of the data evidenced that investment were not determined by either income or education of the respondents, instead they understood the necessity of investment in life insurance for their future requirements which is said to be forced Investment. So, it has been concluded that making sound investment decision requires both knowledge and skill apart from other factors.
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3

Roenganan, Sorrawee, Masnita Misran, and Nattakorn Phewchean. "A Study of Life Internal Rate of Return." WSEAS TRANSACTIONS ON MATHEMATICS 20 (April 2, 2021): 122–33. http://dx.doi.org/10.37394/23206.2021.20.13.

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Life insurance, not included as a part of the legal obligation in some countries, is one of the investment approaches that might not stand high in the public favor for some people since this is a type of investments that the investor cannot know beforehand the exact return, and the returns completely depend on uncertainty of the policy specification in some circumstances. Similar to the other kinds of investment, investors in life insurance products have been seeking a tool for investment evaluation. However, currently there are no accurate tools that can provide the value of the investment in a life insurance product sensitive to the uncertainty. Internal rate of return is the basic tool that buyers or bankers may apply in order to find the rate of return of this type of investment. The investment decision tool is one of the most important keys that investors have utilized upon making their decisions on investments. Therefore, in this research, we propose a new mathematical model with applications for investment decision, being an extension of the internal rate of return by taking into account the life probability, considering different types of life insurance policies, and other factors specified on life insurance investments such as the premium, the death benefit, the maturity value, the sum insured, the lapse rate, the surrender value, the annuity certain, and the lapse rate with different genders and ages. This newly proposed model is named as the "Life Internal Rate of Return" or Life-IRR model. By using the sample data for both males and females aged 30 years old with expected benefit of 100,000 baht for different types of life insurance policies which are endowment plan, whole life plan and retirement plan, the results show that, for males, the highest life rate of returns is that obtained from the retirement plan (3.633692%), and the lowest life internal rates of returns is that obtained from the endowment plan (2.384443%), while the whole life plan offers moderate life rate of returns of 2.427941%. For females, the highest life rate of returns is that obtained from the retirement plan (3.335189%), and the lowest life internal rates of returns is that obtained from the whole life plan (2.104658%), while the endowment plan offers moderate life rate of returns of 2.308062%. The sensitivity analyses of the life internal rates of return perform the natural characteristics of life insurance.
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4

Peters, Daniel A., and Douglas A. Mckay. "Life insurance: Ownership and investment considerations." Plastic Surgery 22, no. 1 (March 2014): 54–55. http://dx.doi.org/10.1177/229255031402200107.

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5

Kurek, Robert. "SECONDARY MARKET OF LIFE INVESTMENT INSURANCE." Prace Naukowe Uniwersytetu Ekonomicznego we Wrocławiu, no. 500 (2017): 88–95. http://dx.doi.org/10.15611/pn.2017.500.07.

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6

Bruhn, Kenneth, and Mogens Steffensen. "Household consumption, investment and life insurance." Insurance: Mathematics and Economics 48, no. 3 (May 2011): 315–25. http://dx.doi.org/10.1016/j.insmatheco.2010.12.004.

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7

Madani, Assoc Prof Dr Filloreta, and Assoc Prof Dr Evelina Bazini. "Development of the Life Insurance Market in Albania." European Journal of Economics and Business Studies 8, no. 1 (May 19, 2017): 38. http://dx.doi.org/10.26417/ejes.v8i1.p38-47.

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Life insurances occupy a small part in the insurance market in developing countries. The new age of the insurance industry and the level of the economic development in Albania make the life insurance market even more fragile. Factors affecting the development of this market are influenced by the economic growth and by other factors such as inflation, education of population, population growth, government policies, private investment, etc. In this article we will analyze using statistical methods the degree of the impact of the above factors in the life insurance market and we will also analyze through penetration coefficients the impact of the life insurance industry in Albania's economic development.
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8

Nurnberg, Hugo. "Accounting for Company-Owned Life Insurance." Accounting Horizons 18, no. 2 (June 1, 2004): 109–26. http://dx.doi.org/10.2308/acch.2004.18.2.109.

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This paper examines the alternative methods of accounting for investments in company-owned life insurance (COLI) and the resulting effects on reported net cash flow from operating activities (NCFO). Examples from annual financial reports suggest that these alternative methods potentially result in substantial differences in reported NCFO. Additionally, financial report disclosures do not make transparent the efects of these alternative methods on reported NCFO. This lack of transparency potentially impairs the reliability of investment decisions and the findings of empirical studies that take reported NCFO directly from financial reports without adjustment. Suggestions are offered to make annual financial reports more transparent with respect to COLI transactions.
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9

BAKER, MAE, and MICHAEL COLLINS. "The asset portfolio composition of British life insurance firms, 1900–1965." Financial History Review 10, no. 2 (October 2003): 137–64. http://dx.doi.org/10.1017/s0968565003000131.

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This article examines the investment practices of life assurance firms within the United Kingdom, through an analysis of the asset holdings of the sector over the period 1900 to 1965. The data are drawn from the detailed annual returns to the Board of Trade. Aggregate, sectional and individual company data are used in the study. Major trends in investment practice are identified and analysed; and cross-sectional comparisons are made. The main emphasis is on the contribution of the life assurance sector towards provision of financial support to the British industrial sector. From the beginning of the period a significant proportion of life firms' investments was held in corporate securities, although over time the composition moved away from fixed-interest stock towards share holdings. The study highlights the great variation in investment practice across individual life assurance firms, with no strong evidence of convergence over time excepting investments in equity holdings.
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10

Stepanova, Marina, and Anton Nefedyev. "Analysis of Options for Investment Strategies with a Set of Basic Parameters of Investment Life Insurance." Bulletin of Baikal State University 29, no. 3 (September 12, 2019): 434–43. http://dx.doi.org/10.17150/2500-2759.2019.29(3).434-443.

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Investment insurance products offered in insurance markets provide access to new investment tools with use of the current technologies of financial engineering. They are built in accordance with the existing standards that protect the rights of customers to receive a quality product, combining insurance protection and possibility of obtaining an investment income in terms of the integral financial decision. At the same time, the Russian insurance market presents only analogs of full-fledged investment-insurance products acting abroad. They provide functional conveniences, but they are not always as effective as other financial decisions. There exist analog investment strategies that can be formed in terms of basic parameters of investment life insurance and, at the same time, provide the investor with a more attractive return. The article presents the variants of such strategies developed by using the proposed elements of their design and presents the corresponding calculations confirming low financial attractiveness of investment life insurance for a potential investor that has taken shape at present.
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11

Kumari, Pushpa. "Life Insurance Corporation of India: A Catalyst to Development." Vision: The Journal of Business Perspective 6, no. 2 (July 2002): 19–27. http://dx.doi.org/10.1177/097226290200600203.

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The present paper finds how LIC has provided security to the masses, and how it has contributed greatly to the development of the economy through mobilising savings, making investments in development and development-augmenting activities, and in the process, generating employment. It is observed that insurance cover is not concentrated in only urban areas and among well-off individuals/groups; but is equally spread in rural areas and also provides social security to economically weaker/backward people. It is observed that the number of employees has decreased during the 90s. In the light of increasing insurance business, it clearly implies an enhancement in productivity. Its investment structure seems to have undergone a shift in favour of the Govt, securities&related items, and also corporate sector. However, investment in the social and development activities experienced a decreasing trend.
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12

Schmeiser, Hato, and Joël Wagner. "What transaction costs are acceptable in life insurance products from the policyholders’ viewpoint?" Journal of Risk Finance 17, no. 3 (May 16, 2016): 277–94. http://dx.doi.org/10.1108/jrf-02-2016-0017.

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Purpose The purpose of this paper is to analyze what transaction costs are acceptable for customers in different investments. In this study, two life insurance contracts, a mutual fund and a risk-free investment, as alternative investment forms are considered. The first two products under scrutiny are a life insurance investment with a point-to-point capital guarantee and a participating contract with an annual interest rate guarantee and participation in the insurer’s surplus. The policyholder assesses the various investment opportunities using different utility measures. For selected types of risk profiles, the utility position and the investor’s preference for the various investments are assessed. Based on this analysis, the authors study which cost levels can make all of the products equally rewarding for the investor. Design/methodology/approach The paper notes the risk-neutral valuation calibration using empirical data utility and performance measurement dynamics underlying: geometric Brownian motion numerical examples via Monte Carlo simulation. Findings In the first step, the financial performance of the various saving opportunities under different assumptions of the investor’s utility measurement is studied. In the second step, the authors calculate the level of transaction costs that are allowed in the various products to make all of the investment opportunities equally rewarding from the investor’s point of view. A comparison of these results with transaction costs that are common in the market shows that insurance companies must be careful with respect to the level of transaction costs that they pass on to their customers to provide attractive payoff distributions. Originality/value To the best of the authors’ knowledge, their research question – i.e. which transaction costs for life insurance products would be acceptable from the customer’s point of view – has not been studied in the above described context so far.
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13

Kwon, Yongjae, Myungho Park, and Jeongsun Yun. "Risk Margin Calculation for Lapse Risk in Guaranteed Minimum Accumulation Benefit of Variable Annuities-A Market-Consistent Approach." Journal of Derivatives and Quantitative Studies 22, no. 1 (February 28, 2014): 71–90. http://dx.doi.org/10.1108/jdqs-01-2014-b0004.

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In 2002, variable annuities were introduced in South Korea and have shown enormous success since then. They are life-insurance products with investment guarantees. Variable annuities allow policyholders to allocate premiums into a wide range of investment vehicles such as stocks, bonds, money market instruments, or some combinations of them. Due to the investment guarantee which is called guaranteed living benefits (GLBs), the benefit is always the greater of (1) the account value of the policyholder investment and (2) the guaranteed amount. Life insurance companies set aside reserves for the guarantees in the general account. Just as the account value depends on the performance of investments, VA lapses also rely on the performance of investments. For example, policyholders will not terminate the contracts when account value is way lower than the guaranteed amount. Considering that lapses determine the total benefit of VAs that a insurance company should pay, calculating risk margin for lapse is a key issue in the VA business. In this study, risk margin for VA lapses is estimated with Wang transform suggested by Wang (2000, 2002).
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14

K, Udaya Shetty. "Attitudes of Rural Customers about the Need for Life Insurance Protection – A Study in Udupi District." Shanlax International Journal of Arts, Science and Humanities 8, S1-Feb (February 6, 2021): 202–11. http://dx.doi.org/10.34293/sijash.v8is1-feb.3953.

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Insurance, in its many forms, touches the life of virtually every person in this country. Any society could not function effectively, efficiently or safely as it does were insurance-free. If there was no insurance, there would be so much uncertainty and exposure to loss that no business would be able to function and exist. Business would have an extremely difficult time obtaining any type of financing because few lenders would risk their capital without having a guarantee of safety for their investments. Insurance’s value to society is enormous and irreplaceable. Insurance protects hard-earned, accumulated assets while minimizing financial risk. Insurance does this by reimbursing people and business for covered losses, encouraging accident prevention and safety-oriented practices, providing funds for investment, enabling people to borrow money, and reducing anxiety. Even though insurance does do all these things, many people do not fully understand how insurance works or the value and security it brings to them.A strong insurance sector is of vital importance to every modern economy. It encourages the savings habit, provides safety to rural and urban enterprise and productive individuals. It generates long term investible funds for infrastructure building.India as a country is under–insured in the urban as well as the rural areas. Only 35 percent of the 250 million insurable population is insured .There exists a vast potential in the rural areas where more than 70% of our population lives. But it is common perception and belief amongst the insurance companies that it is expensive to do business in rural areas. The present Study on attitudes of rural customers throws lights on all vital issues of rural insurance, and covers opinion of insurance customers, insurance agents and business development executives selling life insurance policies. The study attempts to understand level of awareness of rural customers in order to suggest strategies for tapping untapped market. The study aimed at a thorough investigation into various issues which are the challenges in promnotion of life insurance business in rural areas.
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15

Hamal, Janga Bahadur. "Impact of Firm Specific Factors on Financial Performance of Life Insurance Companies in Nepal." Interdisciplinary Journal of Management and Social Sciences 1, no. 1 (October 1, 2020): 39–52. http://dx.doi.org/10.3126/ijmss.v1i1.34510.

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The financial performance of life insurance companies determines the company’s ability to generate revenues and manage assets, liabilities and the financial interests of its stakeholders. However, there are limited studies discoursing major determinants of companies’ financial performance. To fulfill the gap, this study aimed to determine the effects of various firm-specific factors - firm size, liquidity ratio, short-term debt, long-term investment and firm age - on financial performance of life insurance companies in Nepal. The dependent variables influencing financial performance considered were return on assets (ROA) and return on equity (ROE). The study was based on secondary data of seven life insurance companies studied over a period of ten years, from 2009/10 to 2018/19. The data were collected from the financial statements published annually by the selected life insurance companies, Insurance Board of Nepal and Nepal Stock Exchange. In order to derive the impacts of firm-specific variables on ROA and ROE, descriptive statistics, correlation analysis and regression models were used. The study identified size and long-term investment to have negative and statistically significant relationship with financial performance. It also showed that higher the age of the company, the more difficult it will be to accumulate profit. The most influencing factors for the financial performance in Nepalese life insurance companies were firm size and long-term investment. Whereas, the explanatory power of liquidity seemed feeble. The findings elucidated that over-investment in long-term investments should be critically considered as it can have adverse effect on future profitability of the companies. Similarly, life insurance companies should increase their size only after careful examination over financial performance as it can result in diseconomies of scale and reduce the firm’s profitability.
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16

Azhari, Reffy Julianti, and Ikin Ainul Yakin. "PENGARUH DANA TABARRU� DAN UJRAH TERHADAP HASIL INVESTASI PADA PERUSAHAAN ASURANSI SYARIAH DI INDONESIA PERIODE 2013-2018." Syar'Insurance: Jurnal Asuransi Syariah 5, no. 2 (December 30, 2019): 143. http://dx.doi.org/10.32678/sijas.v5i2.2679.

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The future of sharia insurance in Indonesia is very bright. Rapid economic growth, rising savings rates and the development of the middle class economy bodes well for the Islamic life insurance industry. Sharia life insurance in Indonesia registered in the Financial Services Authority Institute totaling 52 companies. Of the many companies in this study only took 6 (six) companies in the 2013-2018 period. Researchers took in the company PT. Panin Daichi Life, PT. Central Asia Raya Life Insurance, and PT. Life Insurance Manulife Indonesia, PT. AIA Financial, PT. Prudential Life Assurance. In 4 (four) companies have fluctuating report results that are not directly proportional to investment. But the company PT. Sun Life Financial Syariah between funds of Ujrah participants and investment returns always increases. Based on the above background, the formulation of the issue is taken as follows: 1. How is the influence of Tabarru funds' on investment returns in Islamic insurance companies in Indonesia for the period 2013-2018 ?. 2. How is the effect of ujrah on investment returns in sharia insurance companies in Indonesia for the period 2013-2018 ?. 3. How big is the influence of tabarru funds' and ujrah on investment returns in sharia insurance companies in Indonesia for the period 2013-2018? The research objectives are: 1) To determine the effect of Tabarru funds' on investment returns in sharia insurance companies in Indonesia for the period 2013-2018. 2) To find out the effect of ujrah on investment returns in sharia insurance companies in Indonesia for the period 2013-2018. 3) To determine the effect of Tabarru funds' and ujrah on investment returns in sharia insurance companies in Indonesia for the period 2013-2018. The method used in this study is a quantitative method. From the results of the calculation of the simultaneous regression coefficient test (F test) it was concluded that the tabarru funds variable (X1) and the Ujrah variable (X2) simultaneously affect the investment return on Islamic insurance in Indonesia. This can be seen from the simultaneous test (F test), namely the value of Fcount <Ftable (69.945> 3.28) with a significance value of 0.000> 0.05. As the coefficient of determination test (R2) obtained a value of 0.798 which means it can be concluded that the influence of Tabarru funds and Ujrah on investment returns is 79.8% while the remaining 20.2% is influenced by other variables not included in this study.
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17

Zein, Firsty Dzanurrahmana, and Atina Shofawati. "Kondisi Makro Ekonomi Terhadap Hasil Investasi Asuransi Jiwa Syariah di Indonesia." Jurnal Ekonomi Syariah Teori dan Terapan 4, no. 10 (December 15, 2017): 773. http://dx.doi.org/10.20473/vol4iss201710pp773-786.

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This research attempt to analyze the effect of variable inflation, Rupiah exchange rate, and gross domestic product towards investment result of sharia life insurance in Indonesia period 2012:Q1 until 2016:Q1. This research using quantitative methods. The analysis techniques used is multiple linear regression with data panel and significance level of 0,05. The approach used in this research is Random Effect Model. The result of t-test, gross domestic bruto has a significant influence to investment result of sharia life insurance with 0,0459. Inflation and Rupiah exchange rate has not significant influence to investment result of sharia life insurance. However, inflation, Rupiah exchange rate and gross domestic product simultaneously provide a significant effect to Investment result of sharia life insurance.
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18

Supriadi, Nanang. "PEMODELAN MATEMATIKA PREMI TUNGGAL BERSIH ASURANSI UNIT LINK SYARIAH." Al-Jabar : Jurnal Pendidikan Matematika 8, no. 2 (December 19, 2017): 165. http://dx.doi.org/10.24042/ajpm.v8i2.1883.

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The exact risk factor can be managed by transferring the risk to the other party (in this case the insurance company). In this paper will be discussed more life insurance, as the development now there are types of insurance combined with investment, which is popular with the term Unit Link insurance. Unit link Syariah began to be launched as one of the fulfilment of the high needs of the community, the privilege of the product Unit of Islamic links is actually located in the elements of the laws in accordance with Islamic Syariah. The issues that will be discussed are how to get a single premium model of life insurance unit link Syariah with life insurance and investment fund allocation invested in investment product with a big interest rate of risk (financial approach) and investment product with the value of return maximum (actuarial approach). The resulting model is then implemented in case of examples by comparing the two approaches to see the shortcomings and advantages of Unit link lifetime life insurance when compared to life insurance. The result obtained from this research is the benefit obtained from Unit-linked sharia insurance on average will be greater if compared with life insurance for life, maximum benefit will be obtained Insurance Unit Link of sharia using actuarial approach compared to financial, but benefit with a relative financial approach more stable than actuarial approaches that tend to fluctuate.
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19

Dong, Yang, Hao Wang, and Lihong Zhang. "Stock Return Uncertainty and Life Insurance." Mathematical Problems in Engineering 2020 (July 10, 2020): 1–14. http://dx.doi.org/10.1155/2020/1835146.

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Knightian uncertainty embedded in stock returns causes rising demand for life insurance, as the uncertainty averse agent seeks alternative investment channels. Life insurance demand of middle-aged agent is more sensitive to the uncertainty. Stock return uncertainty reduces the agent’s total wealth and subsequently the propensity of wealthy agent serving as an insurance seller. Rising demand and falling supply of life insurance imply that life insurance is more expensive in the presence of stock return uncertainty. Sensitivity of life insurance demand to the mortality rate and key stock return characteristics also changes with the uncertainty.
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20

Purwaningrum, Sulistio, and Dian Filianti. "DETERMINAN PERTUMBUHAN ASET PERUSAHAAN ASURANSI JIWA SYARIAH DI INDONESIA PERIODE 2013-2018." Jurnal Ekonomi Syariah Teori dan Terapan 7, no. 5 (July 3, 2020): 955. http://dx.doi.org/10.20473/vol7iss20205pp955-970.

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This study aims to examine and determine the determinants of asset growth in Sharia Life Insurance Companies in the 2013-2018 period. This study uses a quantitative approach with the data used are secondary data from the financial statement panel data of each Sharia Life insurance company. The independent variables used in this study are Participant Contributions, Investment Returns, Operating Expenses, and Claims. The dependent variable is the growth of Sharia Life Insurance Company Assets in Indonesia for the period 2013-2018. The population in this study amounted to 30 Sharia life insurance companies registered with the Financial Services Authority. The sampling technique in this study was purposive sampling with 11 companies selected as samples. . The results of this study indicate that partially the participant contributions and claims variables have a significant negative effect. Investment returns and operating expenses have a significant positive effect on the growth of sharia life insurance company assets. Simultaneously participant contributions variables, investment returns, operating expenses, and claims show a significant influence on the growth of sharia life insurance company assets. Keywords: Participant Contributions, investment returns, operating expenses, claims, asset growth
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21

Rustamunadi, Rustamunadi, and AAS Asmawati. "PENGARUH PERTUMBUHAN UJRAH DAN INVESTASI TERHADAP PERTUMBUHAN ASET PADA PERUSAHAAN ASURANSI JIWA DI INDONESIA." Syar'Insurance: Jurnal Asuransi Syariah 5, no. 1 (August 13, 2020): 1. http://dx.doi.org/10.32678/sijas.v5i1.2925.

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Abstract Assets are assets owned by the company. High asset growth shows that the company can optimize its assets well. High asset growth can increase public trust in the company. One of the factors affecting the assets of Islamic life insurance companies is contribution and claims. Problem formulation in this research are: 1) How does the influence of the growth of ujrah on the growth of assets in Islamic life insurance companies? 2) What is the effect of investment growth on the growth of sharia life insurance company assets? 3) How does the simultaneous growth of ujrah and investment affect the growth of sharia life insurance company assets? This study aims to examine: 1) To analyze the effect of the growth of the ujrah on the growth of assets in the Sharia Life Insurance company. 2) To analyze the effect of investment growth on asset growth in Islamic Life Insurance companies. 3) To analyze the effect of simultaneous growth in investment and investment on asset growth in Sharia Life Insurance companies. The analysis used is multiple linear regression analysis, where in this method to determine the effect of the growth of ujrah and investment on the growth of assets displayed in the form of a regression equation. Tests used in this study are classic assumption tests including: normality test, heteroscedasticity test, multicollinearity test and autocorrelation test. In this study the authors used secondary data samples from the financial statements of 6 Islamic life insurance companies in Indonesia. Based on the Ujrah growth test, it has a sig value of 0.525> 0.05 and a tcount value of 0.643> ttable 2.03693, therefore it can be concluded that the growth of the ujrah (X1) partially has no significant effect on asset growth. While investment growth has a sig value of 0.006 <0.05 and tcount 2.932> t table 2.03452, therefore it can be concluded that investment growth (X2) has a significant negative effect on asset growth. Based on the F test of ujrah growth and investment has a sig value of 0.022 <0.05, the growth of ujrah and investment has a simultaneous effect on the growth of assets and growth of assets influenced by the growth of ujrah and investment growth of 15.9% and 84.1% influenced by other variables not discussed in this study.
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22

Okhrimenko, Oksana, and Iryna Manaienko. "Forming the life insurance companies’ reputation in Ukrainian realities." Insurance Markets and Companies 10, no. 1 (January 15, 2020): 49–60. http://dx.doi.org/10.21511/ins.10(1).2019.05.

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Insurers’ understanding of reputation importance is a key factor of their successful performance at the market. It particularly concerns life insurance sector, which has a significant development potential in Ukraine.The article aims at deepening scientific and practical essentials concerning the formation of life insurance companies’ reputation in conditions of market competition aggravation and insurance market conjuncture volatility.Based on ranking assessments used in Ukraine (Insurance Top, Mind, “My insurance agent” and the ranking of the corporate reputation management quality “REPUTATIONAL ACTIVists”), the need for ensuring the insurers’ reputation stability in conditions of acute competition at the market was substantiated. The results of financial statements analysis and corporate governance reporting of insurance companies ASKA-LIFE, TAS, KD Life, PZU Ukraine, UNIQA Life, MetLife were presented. It was substantiated that, within studying the life insurance companies’ reputation, along with main financial indicators, there is a need to analyze in details such indicators as insurance premiums and investment income for one insured from savings life insurance, average payments, current accounts payable, etc.It was proved that for reputation capital development, it is worth strengthening the role of corporate social responsibility, and to consider insurance companies’ assessment on the part of clients and employees who are brand advocates and affect the companies’ reputation formation.
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23

Rahmanto, Dhidhin Noer Ady, Muhammad Iqbal Fasa, and Khoirul Rijal. "Source of Funds and Islamic Insurance Growth: Investment Returns as a Mediation." al-Uqud : Journal of Islamic Economics 4, no. 1 (January 13, 2020): 104. http://dx.doi.org/10.26740/al-uqud.v4n1.p104-114.

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Sustainable growth must be maintained by maintaining an increase in investment returns, with the source of funds as a stimulant. The population of this study was all Islamic life insurance companies in Indonesia. The study used path analysis mediation with regression or two layers OLS (Ordinary Least Squares) and followed by Sobel test. The result showed that investment returns can mediate participant funds in influencing the growth of Islamic life insurance companies. Meanwhile, investment returns did not mediate the influence of company funds in influencing the growth of Islamic life insurance companies.
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24

D'Arcy, Stephen P., and Keun Chang Lee. "Universal/Variable Life Insurance versus Similar Unbundled Investment Strategies." Journal of Risk and Insurance 54, no. 3 (September 1987): 452. http://dx.doi.org/10.2307/253362.

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25

Lee, Keun Chang, and Stephen P. D'Arcy. "The Optimal Investment Strategy through Variable Universal Life Insurance." Journal of Risk and Insurance 56, no. 2 (June 1989): 201. http://dx.doi.org/10.2307/252985.

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26

Bruhn, Kenneth. "Consumption, investment and life insurance under different tax regimes." Annals of Actuarial Science 7, no. 2 (December 5, 2012): 210–35. http://dx.doi.org/10.1017/s1748499512000279.

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AbstractWe study the effects of introducing taxation in classical continuous-time optimization problems with utility from consumption, bequest and retirement savings. Inspired by actual tax favoured retirement savings programs, we formulate and solve the optimization problem for various tax regimes, and compare tax effects on consumption/savings contributions, investment and purchase of life insurance under the regimes. The optimization problems have analytical solutions, which allow for easy comparison of tax effects under the different regimes. To substantiate the results we also present a numerical analysis of the results based on realistic parameter values and regimes. Based on American and Danish tax regimes we estimate the values of existing retirement saving favouring to be 1 – 2 percent of lifetime income.
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ZongXia, LIANG, and ZHAO XiaoYang. "Optimal investment, consumption and life insurance under stochastic framework." SCIENTIA SINICA Mathematica 46, no. 12 (August 26, 2016): 1863–82. http://dx.doi.org/10.1360/012016-28.

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Chen, Shou, and Guangbing Li. "Time-inconsistent preferences, consumption, investment and life insurance decisions." Applied Economics Letters 27, no. 5 (May 23, 2019): 392–99. http://dx.doi.org/10.1080/13504851.2019.1617395.

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29

Guambe, Calisto, and Rodwell Kufakunesu. "Optimal investment-consumption and life insurance with capital constraints." Communications in Statistics - Theory and Methods 49, no. 3 (December 31, 2018): 648–69. http://dx.doi.org/10.1080/03610926.2018.1549246.

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Cavapozzi, Danilo, Elisabetta Trevisan, and Guglielmo Weber. "Life insurance investment and stock market participation in Europe." Advances in Life Course Research 18, no. 1 (March 2013): 91–106. http://dx.doi.org/10.1016/j.alcr.2012.10.007.

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31

de-Paz, Albert, Jesús Marín-Solano, Jorge Navas, and Oriol Roch. "Consumption, investment and life insurance strategies with heterogeneous discounting." Insurance: Mathematics and Economics 54 (January 2014): 66–75. http://dx.doi.org/10.1016/j.insmatheco.2013.10.008.

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32

Hardy, M. R. "Simulating the Relative Solvency of Life Insurers." British Actuarial Journal 2, no. 4 (October 1, 1996): 1003–19. http://dx.doi.org/10.1017/s1357321700004815.

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ABSTRACTIn this paper a stochastic model office offering UK-style life insurance contracts is used to demonstrate the effect on relative solvency of different investment and bonus strategies. Relative solvency is defined loosely as the probability that an individual insurer does not fall significantly out of line with the rest of the life insurance market, in terms of, for example, asset liability ratios, or payouts to with-profit policyholders. The model uses the Wilkie investment model, extended to incorporate variation between companies in equity performance.
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33

Nainggolan, Laila Mardiyah, and Andri Soemitra. "THE CONTRIBUTION INCOME, INVESTMENT RESULTS, AND CLAIM EXPENSES ON SHARIA LIFE INSURANCE INCOME." Jurnal Ekonomi dan Bisnis Islam (Journal of Islamic Economics and Business) 6, no. 2 (December 11, 2020): 201. http://dx.doi.org/10.20473/jebis.v6i2.21734.

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This study aims to examine the effect of Contribution Income Investment Results and Claim Expenses on Sharia Life Insurance Profits in Indonesia for the 2012-2019 period. This research is a quantitative study with secondary data in the form of Islamic financial reports and the sample selection using purposive sampling. The amount of data is 13 companies with eight years of observation to obtain 104 observational data which are sampled in this study. The technique used is panel data regression analysis technique, with analysis of hypothesis testing, namely the t test and F test. The results show that contribution income partially affects the profit of Islamic life insurance, the investment results also affects the profit of Islamic life insurance, if the fund invested are large, the investment returns will be large so that the profit will be high. Furthermore, claim expense partially affects the profit of sharia life insurance, the claims will reduce the amount of funds to be invested by the company, at the end it reduces the company’s profit. Based on F test, all variables simultaneously influence the profit of Islamic life insurance. The suggestion is that, in order to increase the profitability of Islamic insurance, the company Islamic insurance needs to consider the investment process, also to increase the underwriter analysis to mitigate the excess of expenses from claims.
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34

Ostrowska-Dankiewicz, Anna. "Consumer protection policy in the Polish life insurance market in the aspect of current legal regulations." Investment Management and Financial Innovations 16, no. 4 (December 5, 2019): 168–80. http://dx.doi.org/10.21511/imfi.16(4).2019.15.

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The paper presents the phenomenon occurring in recent years on the Polish life insurance market, which enforced corrective protective actions by investment consumers of insurance products. The essence and assumptions of the new financial market paradigm are discussed, presenting the process of changes in supervisory and regulatory standards, adopted and implemented strategies in the development of protective policy together with the review of the most important legal regulations, solutions in terms of increasing product transparency and creating a new life insurance policy model to highlight pro-consumer activities. The practical implications of the study are grounded on the analysis of main problems of life insurance market in Poland and indicate the possibilities of applying appropriate solutions in the field of insurance distribution based on the latest legal regulations, recommendations and consumer needs, setting new standards and practices that raise the level of consumer safety, and in the future can become a possibility for development of the investment products market.
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Ardianto, Muhammad Iqbal Rifqi, and Puji Sucia Sukmaningrum. "ANALISIS EFISIENSI ASURANSI JIWA SYARIAH DI INDONESIA DAN TAKAFUL FAMILY DI MALAYSIA DENGAN METODE DATA ENVELOPMENT ANALYSIS (STUDI KASUS PADA KOPERASI JASA KEUANGAN SYARIAH AL ABRAR)." Jurnal Ekonomi Syariah Teori dan Terapan 7, no. 2 (June 13, 2020): 319. http://dx.doi.org/10.20473/vol7iss20202pp319-331.

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This study aims to determine the level of efficiency of Sharia life insurance in Indonesia and Malaysia during the 2015-2018 period. The sample used was 12 Sharia life insurance companies in Indonesia and 5 Sharia life insurance companies in Malaysia. The method used in this research is Data Envelopment Analysis (DEA) with the assumption of Variable Return to Scale (VRS) with input-orientation. The selection of variables uses a value-added approach with its input variables, namely capital, total expenses, and total investment as well as its output variables, namely total profit and total investment income. The results of this study indicate that the average overall value of sharia life insurance efficiency in Indonesia is relatively lower than the average efficiency of sharia life insurance in Malaysia. The development trend of the efficiency of Sharia life insurance in Indonesia and Malaysia tends to decrease during 2015-2018. Meanwhile, the cause of inefficiency in Sharia life insurance in Indonesia and Malaysia is the total expenses variable. Keywords: Efficiency, Sharia Life Insurance, DEA
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Pant, Srijana, and Fatta Bahadur KC. "Contribution of Insurance in Economic Growth of Nepal." Journal of Advanced Academic Research 4, no. 1 (March 31, 2018): 99–110. http://dx.doi.org/10.3126/jaar.v4i1.19523.

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Insurance as a risk transfer mechanism may contribute to economic growth of a country by fostering long term investment through capital that is collected from accumulated savings from individuals. The main objective of this paper is to examine the contribution of insurance in economic growth of Nepal using determinants of insurance like total insurance premium, Life insurance premium, Non-life insurance premium, employment and investment using data from 2004 to 2015 based on theoretical and empirical evidence. Fortunately, in past few years, lots of research has been done to map the specific contributions made by insurance sector in economic growth of the country applying theoretical and empirical evidence. The evidence suggests that insurance may contribute to economic growth by creating investment climate and managing risk in more efficient way. Theoretically, the studies show insurance has a positive contribution to different levels of development and further suggests to examine the relationship between insurance and economic growth using appropriate model.
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Kambali, Muhammad. "MEKANISME PENGELOLAAN DANA TABARRU’ ASURANSI SYARIAH PRUDENTIAL LIFE ASSURANCE." JES (Jurnal Ekonomi Syariah) 2, no. 1 (September 4, 2017): 91–101. http://dx.doi.org/10.30736/jes.v2i1.30.

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Sharia Insurance according to a binding ruling in religious matters (fatwa) of the National Shari'ah Board of the Indonesian Ulama Council no: 21 /DSN-MUI/ X / 2001 is a mutual effort to help among a number of people/parties through investment in assets or tabarru' which provides a pattern of return to face certain risks through engagement in accordance with the sharia. PRUlink sharia is an insurance product associated with sharia-based investment. PRUlink Syariah is designed to meet the society's need for future financial designs in accordance with Islamic principles of sharia. There are two types of product of PRUlink Syariah insurance, namely PRUlink Syariah Investor Account and PRUlink Syariah Assurance Account. Kind of Product in PRUlink Syariah is contract between policy holders using contract of tabarru which is called hibah and the owner of the policy/participant premises sharia insurance company using contract of tijarah called wakalah bin ujrah. In sharia insurance there is a surplus sharing that will be distributed to customers calculated at the end of the calendar year. This can be obtained if there are more funds than tabarru' accounts that have been reduced by claims and debt to the company if any. How is PRUlinksyariah managed in Prudential? The result of the research shows that PRUsyariah premium management in Prudential is separated by two accounts, namely tabarru' account and investment account. The own fund is managed by Eastpring Investment, that is manager company from Asia prudential, while allocation of fund is invested in stocks and obligation which is in accordance with sharia principles contained in the Jakarta Stock Exchange. For the choice of investment in PRUsariah, there are three options of investment, namely Sharia-Rupiah Equity Fund, Sharia-Rupiah Managed Fund or Sharia-Rupiah fixed Income fund, in accordance with the choice of the next participant. From the investment result the participant agrees to pay tabarru’ contribution directly input into tabarru' account. Tabarru’ funds are fully owned by participants and used to pay claims participants claim at any time, but if there is tabaaru’ funds excess with claims total in one year as of 31 December paid, then tabarru’ surplus or that is called surplus will be distributed participants that meet the requirements to get the surplus.
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38

Gurung, Jas Bahadur. "Insurance and Its Business in Nepal." Journal of Nepalese Business Studies 7, no. 1 (July 9, 2012): 70–79. http://dx.doi.org/10.3126/jnbs.v7i1.6409.

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This study aims mainly to analyze the performance of insurance business in Nepal. The data used in this study is mainly quantitative and analysis has been carried out by using simple percentage and correlation coefficient. The study reveals that there are altogether 25 insurance companies viz. 8 life insurance and 16 non-life insurance and one offer both life and non-life services. They have altogether 340 branch offices in Nepal. The growth of insurance policies for both life and non-life insurance companies has been increasing and significant during the study period. Similarly, the progressive trend of premium collection reached to 48 percent for non-life and 37.06 percent for life insurance in FY 2066/67 and contributed 1.70 percent in GDP of the economy. Moreover, the investment of insurance companies has been positive but fluctuating over the period under study. However, the correlation coefficient between total premium collection and total investment is positive with r=0.97 and significant as its PE is only 0.0163. These facts reveal that the performance of insurance business in Nepal is satisfactory.The Journal of Nepalese Business Studies Vol. Vii, No. 1, 2010-2011Page : 70-79Uploaded date: July 8, 2012
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39

Boldyreva, Natalia, and Liudmila Reshetnikova. "Effectiveness of investment activities of managers in the mandatory pension insurance system." St Petersburg University Journal of Economic Studies 36, no. 3 (2020): 483–513. http://dx.doi.org/10.21638/spbu05.2020.306.

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This article examines reasons for the low efficiency of investment activity by pension asset managers, and pension investment rules are formulated. These rules are based on the Asset Allocation strategy, taking into account the long-term pension investments and the life-cycle investment strategy. All pension portfolios of Russiаn managers have weak diversification by asset classes, a high share of fixed income financial instruments, and a mismatch of the portfolio structure with the risk profile of the beneficiary. The pension industry has high costs. We evaluated the real efficiency of investment activity by pension asset managers according to the classical theory of investments, and compared it with the risk-return benchmarks of the Russian financial market. The real cumulative return by pension asset managers is negative for the period 2008–2018. At the same time, the Russian financial market provided opportunities for real growth of pension savings. Bank deposits allowed to defend capital from depreciation. Modeling of index pension portfolios (conservative, balanced, and aggressive) in the Russian financial market, according to pension investment rules, showed a positive impact on investment management efficiency of regular rebalancing of the portfolio containing stocks. The management of index pension portfolios by the proposed rules protect pension savings against inflation. Pension asset managers improve the investment policy efficiency following the pension investment rules.
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40

Yadav, Rajesh K., and Sarvesh Mohania. "Claim Settlement Process of Life Insurance Services - A Case Study of ICICI Prudential Life Insurance Company." International Letters of Social and Humanistic Sciences 35 (July 2014): 26–32. http://dx.doi.org/10.18052/www.scipress.com/ilshs.35.26.

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Life insurance is mainly taken to cover up risk of death/disability in term of monetary terms and secondary for the purpose of better return as investment option. Claims are filed at the time of maturity or in case of death/disability. The study focuses on the claim settlement process of life insurance services of ICICI prudential life insurance company. With the increasing numbers of policies, numbers of claims are also increasing in ICICI prudential life insurance company. Therefore it is very much essential to have simple and clear claim settlement process. The study is based on the secondary data collected from IRDA and research papers from various journals. The study concluded that in ICICI prudential life insurance company with their “Customer First” approach efficiently perform their claim settlement process.
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41

Rusydiana, Aam S., and Taufiq Nugroho. "Measuring Efficiency of Life Insurance Instution in Indonesia: Data Envelopment Analysis Approach." Global Review of Islamic Economics and Business 5, no. 1 (December 7, 2017): 012. http://dx.doi.org/10.14421/grieb.2017.051-02.

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This study aims to measure the level of efficiency of the life insurance industry in Indonesia. The calculation of the efficiency level in this study is relative, not absolute. The approach used is Data Envelopment Analysis (DEA). There are 8 research objects: Prudential, BNI Life, PaninDai-IchiLife, Asuransi Jiwasraya and Life Insurance Adisaranan Wanaartha, Takaful Takaful Insurance, Amanahjiwa Giri sharia insurance and Al-Amin sharia life insurance. This study consists of three input variables (cost of Commissive (X1), Operational Cost (X2), Total Equity (X3) and 2 output variables (Premium) (Y1) and Investment Revenue (Y2)). The results explain that there are 15 perfectly efficient DMUs (100%). And an inefficient of 24 DMU, consisting of 7 DMU conditions IRS and 17 DMU with DRS conditions. Of all the DMU observed, Prudential insurance is a life insurance company that is able to maintain its gradual efficiency level from 2013 to 2016 when compared to other life insurance in this observation. In general, the main factor inefficiency of life insurance industry in Indonesia (in observation) from 2012 to 2016 is from the output side. To be more efficient then life insurance companies should increase the value of premiums by 91% and investment income of 8%.
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42

Humaemah, Ratu, and Indah Yani. "PENGARUH PENDAPATAN ASURANSI TERHADAP PENDAPATAN INVESTASI PADA PERUSAHAAN ASURANSI JIWA DI INDONESIA PERIODE 2014-2018." Syar'Insurance: Jurnal Asuransi Syariah 5, no. 1 (August 13, 2020): 39. http://dx.doi.org/10.32678/sijas.v5i1.2924.

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Abstract Sharia financing and investment activities in principle are activities carried out by property owners (Investors) towards business owners (Issuers) to empower business owners in conducting their business activities where the owner of assets (Investors) hopes to obtain certain benefits. Therefore, financing and financial investment activities are basically the same as other business activities, namely maintaining the principle of halal and fairness. The financial data shown in the table shows that insurance income and investment income in life insurance companies in Indonesia from 2014 to 2018 experienced fluctuating developments. The purpose of this study is to determine whether there is an influence of insurance income on investment income in Islamic life insurance companies in Indonesia. The method used in this study is a quantitative method that uses a classic assumption test, hypothesis testing, and the coefficient of determination test. The data used are secondary data obtained by the official website of a life insurance company. The results showed that the independent variable of insurance income had a significant effect on investment income, this result was seen from the tcount of 8,450 while the ttable obtained from the distribution table t was sought at the significance of 5%: 2 = 2.5% (two-way test) degrees of freedom (df) nk-1 or 30-1-1 = 28 we get t table of 2.04841. because tcount> t table = 8.450> 2.04841 with a significant level of 0.000, because the significant value is smaller than 0.050, it can be concluded that Ha is accepted. This means that insurance income has a positive effect on investment income. From testing the coefficient of determination of 0.708 = 70.8% means that insurance income can explain the effect on investment income of 70.8% and the remaining 29.2% is influenced by other variables not discussed in this study.
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43

Baratova, Dinora, Khayrullo Khasanov, Ikromjon Musakhonzoda, Shokhruh Abdumuratov, and Khusniddin Uktamov. "The impact of the coronavirus pandemic on the insurance market of Uzbekistan and ways to develop funded life insurance." E3S Web of Conferences 296 (2021): 06028. http://dx.doi.org/10.1051/e3sconf/202129606028.

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This article puts the emphasis on the impact of the coronavirus pandemic on the Uzbek insurance market and ways to elaborate funded life insurance. In addition, analyzed international practice in the development of life insurance in the world is analyzed. Scientists and experts have also conducted research on the impact of the COVID-19 coronavirus pandemic on the insurance market of Uzbekistan. It worthy to note that the insurer is a specific entity operating under the laws of Uzbekistan, and the consumer can be real (with a life insurance policy) and potential (which can be insured under accumulative life insurance). The questionnaires developed by us for research purposes were divided into four groups, and a survey was conducted. In addition, the impact of inflation as an external factor, the rate of investment return arising from the results of the insurer’s investment activities, was assessed. In addition, indicators on the mass of risk were offered for the insurer. Conclusions and recommendations were made on the impact of the coronavirus pandemic on the insurance market of Uzbekistan and ways to develop funded life insurance.
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44

Yang, Lixin. "Future investment value of China’s listed life insurance companies’ H shares from the perspective of secondary market." E3S Web of Conferences 218 (2020): 04012. http://dx.doi.org/10.1051/e3sconf/202021804012.

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China’s life insurance industry has just started in the 1990s after the reform and opening up, and its development experience is obviously insufficient, and it has not gone through a very complete life insurance development cycle. No matter from the actuarial technology, the professional level of the agent, the popularization time of the agent system, or the management experience, it is far from the developed areas of the world’s life insurance industry. In addition, many professional investors are worried about the future prospects of China’s life insurance industry because of the long-term existence of a low interest rate environment. However, after reading detailed materials (research papers, books, reviews, etc.), the final conclusion of this report is different from that of other too cautious investors . This report holds that: the current situation and prospect of China’s life insurance H shares meet the conditions of Davis double-click, and the main investors in the secondary market will encounter a unique opportunity to obtain excess returns by investing in domestic insurance H shares. On the level of objective factors, we analyze from the following four aspects: (I) the potential demand for life insurance in China will continue to increase significantly in the future; (II) most of the representative life insurance companies in China have low valuations; (III) the possible style switching in China’s secondary market is conducive to the rise of blue chips such as life insurance companies; (IV) from the long-term perspective of history, the insurance index has significantly outperformed the Shanghai Composite Index, which represents the market. In terms of subjective factors, we consider them from the following four perspectives: (I) the development and problems of life insurance industry in Japan and Taiwan; (II) on the liability side, China’s life insurance industry vigorously develops new products with high business value, so as to resist the impact of low interest rates; (III) the diversification of asset allocation at the investment end of China’s life insurance industry can make the profit of life insurance industry not limited by the interest rate; (IV) the change of service quality at the supply side is conducive to the life insurance companies to tap the potential market demand in China.
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45

PANJAITAN, HANNY, I. NYOMAN WIDANA, and KARTIKA SARI. "PERHITUNGAN PROFIT ASURANSI UNIT LINK DENGAN SURRENDER VALUE MENGGUNAKAN METODE PROFIT TESTING." E-Jurnal Matematika 9, no. 1 (January 31, 2020): 1. http://dx.doi.org/10.24843/mtk.2020.v09.i01.p271.

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Life insurance with surrender value is a type of insurance that allows the insured to cancel the contract. Unit-link life insurance is a combination of life insurance and investment. Profit testing method is used to find out the potensial loss or gain of unit link life insurance product. The aim of this research was to determine the potential benefits or losses of unit-linked life insurance product using a deterministic model. Results of this research are the profit obtained by the insurance company for an insurance participant aged 35 years with a sum and in annual premiums are
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46

Tati, Ravi Kumar, and Ernest Beryl B. Baltazar. "Factors Influencing the Choice of Investment in Life Insurance Policy." Theoretical Economics Letters 08, no. 15 (2018): 3664–75. http://dx.doi.org/10.4236/tel.2018.815224.

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47

Reddy, S. M. "Investment Pattern of Life Insurance Industry during Post Reform Period." Asian Journal of Research in Banking and Finance 5, no. 3 (2015): 132. http://dx.doi.org/10.5958/2249-7323.2015.00050.4.

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48

C. Gura, Sheryl, Teena Mae Chrystyl B. Roman, and Marjo Rey A. Janer. "FACTORS AFFECTING INVESTMENT IN LIFE INSURANCE OF BUSINESS POSTGRADUATE STUDENTS." International Journal of Advanced Research 8, no. 5 (May 31, 2020): 866–71. http://dx.doi.org/10.21474/ijar01/10996.

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49

Pritchett, S. "Incorporating historical investment performance in projecting life insurance cash values." Financial Services Review 6, no. 3 (1997): 155–67. http://dx.doi.org/10.1016/s1057-0810(97)90010-x.

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50

Yigang, Zhai. "A Study on Life Insurance Fund Investment in Transportation Infrastructure." Economics 8, no. 4 (2019): 128. http://dx.doi.org/10.11648/j.eco.20190804.11.

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