Academic literature on the topic 'Life insurance policies'
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Journal articles on the topic "Life insurance policies"
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Glintić, Mirjana. "Main characteristics of credit life insurance." Pravo i privreda 58, no. 3 (2020): 237–53. http://dx.doi.org/10.5937/pip2003237g.
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In recent years, banks in Serbia, as authorized insurance agents, have started offering various types of insurance contracts that serve as a means of securing credit. Since the potential credit user is a consumer who does not have sufficient legal knowledge of insurance contracts, this paper aims to point out the main characteristics of these insurances and to highlight the differences between them. Despite all the information that insurance agents are required to disclose to their clients, there are always certain dilemmas regarding these insurance policies, particularly with respect to the issues of insurance coverage, insurance voluntariness and its cost-effectiveness. During the last two years, several judgments have been made regarding credit insurance and the powers of banks in connection with this contract, so it was necessary to consider what consequences this could have on the way of concluding the contract and calculating premiums for some other insurances intended for securing loans, although differently conceived.
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Jiang, Shi-jie. "Voluntary Termination of Life Insurance Policies." North American Actuarial Journal 14, no. 4 (2010): 369–80. http://dx.doi.org/10.1080/10920277.2010.10597596.
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Hamilton, Paul V. "Securitization of Permanent Life Insurance Policies." Atlantic Economic Journal 38, no. 3 (2010): 379–80. http://dx.doi.org/10.1007/s11293-010-9229-z.
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Kuusela, Hannu. "How Consumers Select Life Insurance Policies." Journal of Professional Services Marketing 18, no. 1 (1999): 49–63. http://dx.doi.org/10.1300/j090v18n01_04.
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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 (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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Kaur, Rupinder. "Awareness of Policyholder in Life Insurance Corporation Policies." Mathematical Statistician and Engineering Applications 70, no. 2 (2021): 1095–103. http://dx.doi.org/10.17762/msea.v70i2.2163.
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When it comes to economic growth and development, the insurance business is often regarded as one of the most crucial sectors, especially in a country like India. Awareness-raising is a critical component of an integrated strategy for expanding the insurance market. There was a rising knowledge of the benefits and viability of life insurance in the 19th century, but many Indians still believed that purchasing such a policy meant intentionally courting death. Despite the fact that insurance provides invaluable protection for everyone, life insurance is frequently referred to as "Registration for Death" in the local languages of India. Identifying the demographics of the sample population and gauging policyholders' knowledge with LIC's services are the key objectives of this research. This study provides inspiration for raising brand awareness among consumers. Primary information is needed for the research. Three hundred policyholders were interviewed using a predetermined interview schedule and a basic random sample technique to collect primary data. The growth of the Indian economy relies heavily on the life insurance industry. Life insurance is a company that provides consumers with long-term financial solutions.
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Dalko, Viktoria. "Unsafe insurance." Journal of Financial Crime 24, no. 4 (2017): 643–55. http://dx.doi.org/10.1108/jfc-01-2016-0006.
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Purpose The purpose of this paper is to study life-loss risk in some life insurance policies and propose solution to the problem found. Design/methodology/approach The paper analyzes the expected payout for murder-for-insurance. It presents legal evidence of 179 court cases and conducts criminological analysis. It compares the lack of safety regulation in life insurance with regulatory actions in selected food and automobile safety cases. Findings Some life insurance policies create incentives and, therefore, temptation for murder-for-insurance. The insured can face life-loss risk from not only the beneficiary but also the life insurance agent during the term of the policy. Practical implications This paper proposes that defective life insurance policies should be recalled. Social implications The proposal has a policy implication of eliminating one type of homicide. Originality/value This paper is the first study of its kind, as it places the safety of the insurance consumer in the center.
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Dahan, M., E. Frostig, and N. A. Langberg. "Life Insurance Policies with Statistical Heterogeneous Population." Scandinavian Actuarial Journal 2002, no. 3 (2002): 212–22. http://dx.doi.org/10.1080/034612302320179872.
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Aase, Knut K., and Svein-Arne Persson. "Pricing of Unit-linked Life Insurance Policies." Scandinavian Actuarial Journal 1994, no. 1 (1994): 26–52. http://dx.doi.org/10.1080/03461238.1994.10413928.
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Ahmed, Ashfaque. "Perception of Life Insurance Policies in Rural India." Kuwait Chapter of Arabian Journal of Business and Management Review 2, no. 6 (2013): 17–24. http://dx.doi.org/10.12816/0001204.
Full textDissertations / Theses on the topic "Life insurance policies"
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Von, Wielligh S. P. J. "The development of a best practice framework for the formulation of overall audit strategies for insurance contracts and the related earnings of listed South African long-term insurers /." Link to the online version, 2005. http://hdl.handle.net/10019.1/1103.
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Sunkel, Kelly. "Cession of Life Insurance Policies in securitatem debiti : a Practical Perspective." Thesis, University of Pretoria, 2013. http://hdl.handle.net/2263/33505.
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The security cession of the rights under life policies marries two separate areas of the law: The Law of cession and the Law of Insurance. This makes for a complex union since varying common law and statutory principles ind application, and in reality trade practices also play a role.
In theory a cession in securitatem debiti may take one of two possible constructions, namely a pledge or a fiduciary security cession, and each has its own advantages and disadvantages. Disparity arose when judicial preference was given to the pledge construction while academics preferred the other.
The problem, however, was larger than a disagreement as to the better construction. The underlying problem was that there was a lack regarding clarity as to the practical operation of security cession of life policies, in addition to the problems surrounding the construction thereof.
As a solution to this problem some academics have suggested legislative intervention. The South African Law Reform Commission, nevertheless, advised against it in 1991 and was of the opinion that the issue was one which our courts would eventually solve.
In the 22 years since then, our courts have merely confirmed its preference for the pledge construction. The intricacies of security cessions of life policies have seen no further judicial development. It is probable that the courts do not have enough practical information at hand to advance this area of the law.
An investigation into the operation of such cessions in practice was thus necessary. The outcome of the practical investigation reveals that legislative intervention is indeed a viable solution especially since the issues are too complex for the courts to solve. As part of this work, legislation has been drafted and it is recommended that this is inserted into the Security by Means of Movable Property Act .<br>Die sessie ter sekerheidstelling van regte voortspruitend uit 'n lewensversekeringspolis betrek twee
aparte onderafdelings van die rege naamlik die reg insake sessie en die versekeringsreg. Die gevolg van
hierdie dualisme is dat 'n magdom gemeenregtelike en statutêre regsbeginsels van toepassing is wat sessies
van hierdie aard kompliseer. Daarbenewens speel handelspraktyke ook ‘n rol.
Teoreties kan 'n sessie in securitatem debiti een van twee moontlike konstruksies aanneem, naamlik sessie
van pandgewing en fidusiêre sekerheids sessie, en elk het sy eie voor- en nadele. Onenigheid was aan
die orde van die dag nadat die howe aan die pandgewings konstruksie voorkeur verleen het, terwyl akademiese
skrywers die alternatiewe konstruksie verkies het.
Die probleem was egter veel eerder weens ‘n gebrek aangaande duidelikheid oor die praktiese toepassing
van die sessies ter sekerheidstelling van lewenspolisse, as die onenigheid oor welke van die twee konstruksies
teoreties die beter een sou wees .
Om die probleem te oorkom, het sommige akademiese skrywers voorgestel dat die wetgewer moes ingryp.
Die Suid-Afrikaanse Regskommissie het egter in 1991 daarteen besluit en die mening gehuldig dat
die probleem uiteindelik deur die howe opgelos sou moes word.
Sedertdien het die howe egter telkens hul voorkeur ten opsigte van die pandkonstruksie uitgespreek, en
derhalwe het daar geen verdere deurslaggewende juridiese ontwikkeling rondom die kwelpunte van sessies
ter sekerheidstelling plaasgevind nie. Dit is waarskynlik daaraan te wyte dat die howe oor ontoereikende
praktiese inligting beskik het om hierdie gebied van die reg noemenswaardig uit te bou.
Dit was gevolglik nodig om 'n ondersoek aangaande die toepassing in die praktyk van hierdie tipe sessies
te loods. Die resultaat van dié ondersoek toon dat 'n statutêre ingreep inderdaad 'n lewensvatbare
oplossing kan bied, aangesien die kwessies te ingewikkeld is vir die howe om te oorkom. Deel van hierdie
studie bevat voorgestelde wetgewing met die aanbeveling dat dit in die Wet op Sekerheidstelling deur
middel van Roerende Goed 57 van 1993 opgeneem word.<br>Thesis (LLD)--University of Pretoria, 2013.<br>Mercantile Law<br>LLD<br>Unrestricted
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Sayadian, Razmik. "A comparative analysis of marketing life insurance policies in the UK." Thesis, University of Sheffield, 1990. http://etheses.whiterose.ac.uk/14457/.
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This research study involves a comparative analysis of marketing life insurance in the UK. The main objectives of this study are: (1) to investigate the attitudes of marketing managers of the large and the small life and composite insurance companies towards marketing life insurance; (2) to investigate the variables which influence life insurance purchasing behaviour; and (3) to conduct a comparative analysis of the attitudes of marketing managers, the insured and the non-insured towards the variables under investigation. The design of this study is by facets. The facet approach helped to compile three sets of questionnaires which were addressed to (a) the insured, (b) the non-insured, and (c) marketing managers of life and composite insurance companies. The data collected consists of both attitudinal and categorical variables. The analytical techniques used to analyse the attitudinal data include: Non-Metric Multidimensional Scaling (MINISSA Programme), Discriminant Analysis, and Spearman RankOrder Correlation Coefficients. As for the categorical data the Multiple Classification Analysis (MCA) is employed in the analysis. Furthermore, Wilcoxon Test and F-Test are used for testing the research hypotheses. Briefly, the research findings suggest that (1) marketing managers of life and composite insurance companies give priority to strategic marketing, direct response marketing, and marketing effectiveness variables and then concern themselves with customer services, competition, economic and sales problems; (2) both the insured and the non-insured attach more importance to saving through other financial institutions than life and composite insurance companies; (3) the insured regard "colleagues/friends", "TV advertising", and "ads in newspapers and magazines" as the main sources of information in keeping them informed and encouraging them to purchase life insurance; (4) both the insured and the non-insured regard "standard of service", "contact by the agent", and "quality of staff" as the most important factors in influencing their purchasing decisions; and (5) both the insured and the non-insured regard "providing for children's education" and "return on investment" as the main reasons for saving through life and composite insurance companies. A comparative analysis of the attitudes of marketing managers, the insured, and the non-insured suggests that marketing managers will need to put more emphasis on "retirement income", and "mortgage repayment plans" in their marketing campaigns; more emphasis should also be placed on the "quality of staff", and "standard of service". Finally, an analysis of the effects of socioeconomic and demographic variables on life insurance purchasing behaviour suggests that selected predictors (i.e., marital status, family life cycle, family size, age, education, occupation and income) when tested together explain a significant portion of the variance of the dependent variable.
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Gip, Orreborn Jakob. "Asset-Liability Management with in Life Insurance." Thesis, KTH, Matematisk statistik, 2017. http://urn.kb.se/resolve?urn=urn:nbn:se:kth:diva-215339.
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In recent years, new regulations and stronger competition have further increased the importance of stochastic asset-liability management (ALM) models for life insurance firms. However, the often complex nature of life insurance contracts makes modeling to a challenging task, and insurance firms often struggle with models quickly becoming too complicated and inefficient. There is therefore an interest in investigating if, in fact, certain traits of financial ratios could be exposed through a more efficient model. In this thesis, a discrete time stochastic model framework, for the simulation of simplified balance sheets of life insurance products, is proposed. The model is based on a two-factor stochastic capital market model, supports the most important product characteristics, and incorporates a reserve-dependent bonus declaration. Furthermore, a first approach to endogenously model customer transitions is proposed, where realized policy returns are used for assigning transition probabilities. The model's sensitivity to different input parameters, and ability to capture the most important behaviour patterns, are demonstrated by the use of scenario and sensitivity analyses. Furthermore, based on the findings from these analyses, suggestions for improvements and further research are also presented.<br>Införandet av nya regelverk och ökad konkurrens har medfört att stokastiska ALM-modeller blivit allt viktigare för livförsäkringsbolag. Den ofta komplexa strukturen hos försäkringsprodukter försvårar dock modelleringen, vilket gör att många modeller anses vara för komplicerade samt ineffektiva, av försäkringsbolagen. Det finns därför ett intresse i att utreda om egenskaper hos viktiga finansiella nyckeltal kan studeras utifrån en mer effektiv och mindre komplicerad modell. I detta arbete föreslås ett ramverk för stokastisk modellering av en förenklad version av balansräkningen hos typiska livförsäkringsbolag. Modellen baseras på en stokastisk kapitalmarknadsmodell, med vilken såväl aktiepriser som räntenivåer simuleras. Vidare så stödjer modellen simulering av de mest väsentliga produktegenskaperna, samt modellerar kundåterbäring som en funktion av den kollektiva konsolideringsgraden. Modellens förmåga att fånga de viktigaste egenskaperna hos balansräkningens ingående komponenter undersöks med hjälp av scenario- och känslighetsanalyser. Ytterligare undersöks även huruvida modellen är känslig för förändringar i olika indata, där fokus främst tillägnas de parametrar som kräver mer avancerade skattningsmetoder.
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Bold, Tessa. "Economics of informal insurance arrangements." Thesis, University of Oxford, 2007. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.491573.
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Dedes, Vasilis. "How to determine fair value for life insurance policies in a secondary market." Thesis, Umeå universitet, Handelshögskolan vid Umeå universitet, 2011. http://urn.kb.se/resolve?urn=urn:nbn:se:umu:diva-45168.
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In this study a methodological approach is presented on how transactions in the secondary market for life insurance policies can be fairly priced for both policyholders and life settlement companies. Monte Carlo simulation of mortality on a pool constructed based on actual data of 85 life settlement transactions shows that a realistic assumption for the range of offered prices is limited to 15% and 20% of the face amount of the policy, given a required return of 7%. The power of the proffered pricing approach is ensured by assessing and managing mortality risk along with the other pertinent risks using stress testing, where mortality risk appears to be analogous to some extent with systematic risk on other markets of assets.
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Balau, Eunice Alexandra Madeira. "Premiums and reserves in life insurance policies : the worst-case scenario and Solvency II." Master's thesis, Instituto Superior de Economia e Gestão, 2014. http://hdl.handle.net/10400.5/7832.
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Mestrado em Ciências Actuariais<br>As reservas de capital representam um instrumento fundamental no processo de gestão de risco das empresas de seguros, sendo utilizadas no cálculo do capital económico e regulamentar. Como o valor das reservas e dos prémios é fortemente influenciado pelos pressupostos atuariais utilizados, a escolha adequada das bases técnicas é um dos temas de principal interesse para as Companhias de Seguros e para as Entidades Reguladoras.
O principal objetivo deste trabalho é o estudo de um método de construção de cenários biométricos para o cálculo de reservas e prémios, adotando uma posição conservadora em relação às bases técnicas de segunda ordem, seguindo a orientação de dois trabalhos fundamentais neste domínio, Christiansen (2010) e Milbrodt and Stracke (1997). Este cenário é determinado através da resolução de um problema de maximização da reserva prospetiva que nos permite definir as bases biométricas de primeira ordem que representam o pior caso do ponto de vista do Segurador. As apólices do ramo vida são descritas pelo modelo Markoviano de estados múltiplos, sendo as reservas prospetivas calculadas recorrendo à equação de Thiele.
O novo regime de solvência da União Europeia, Solvência II, também recorre à noção de piores cenários, por forma a quantificar os requisitos de capitais no ramo vida, embora com uma definição diferente. Assim, um objetivo adicional, e também importante, deste trabalho é procurar integrar o método estudado no enquadramento estabelecido pelo projeto Solvência II.<br>Reserves are a fundamental tool in insurance risk management since they are used to determine the economic or regulatory capital required for insurers to remain solvent. As the values of reserves and premiums are strongly dependent on the actuarial assumptions used, the choice of the adequate elements of the technical basis is a major concern of both regulators and insurance companies.
The main purpose of this work is to study a method for the construction of biometric worst-case scenarios that allow premiums and reserves to be on the safe side with respect to given confidence bands for the biometric second-order basis, following the essential works of Christiansen (2010) and Milbrodt and Stracke (1997). This scenario is obtained by solving a maximization problem for the prospective reserve that allows one to find the worst-case biometric valuation basis from the insurer's point of view. In life insurance, policies are often described by the multi-state Markov model of life contingencies and the prospective reserves computed using Thiele's equation.
The new solvency regime of the European Union, Solvency II, also uses worst-case scenarios, although constructed in a different way, in order to quantify the solvency capital requirements for life insurance business. Thus, a further important purpose of this thesis is to integrate the method in study under the Solvency II framework.
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Wu, R. "Game theoretical approaches for pricing of non-life insurance policies into a competitive market environment." Thesis, University of Liverpool, 2017. http://livrepository.liverpool.ac.uk/3010795/.
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Standard actuarial approaches for non-life insurance products suggest that the premium is divided into three main components: the actuarial price, the safety loading, and the loading for expenses. The number of product-specific policies from different companies has increased significantly, and strong market competition has boosted the demand for a competitive premium in global insurance market. Thus, the actuarial premium could eventually be altered by an insurer's marketing and management department regarding the competitive environment. Thus in this thesis, considering the competition in insurance market, game theoretical approaches are applied to investigate the influence of competition on general insurance pricing. Firstly, a two-period deterministic N-player game is formulated to investigate the optimal pricing strategy by calculating the Nash equilibrium in an insurance market. Under that framework, each insurer is assumed to maximise its utility of wealth over the unit time interval. By analyzing the competition between each pair of insurers, the whole markets' competition is characterized through an aggregation. With the purpose of solving a game of N-players, the best-response potential game with non-linear aggregation is implemented. The existence of a Nash equilibrium is proved by finding a potential function of all insurers' payoff functions. A 12-player insurance game illustrates the theoretical findings under the framework in which the best-response selection premium strategies always provide the global maximum value of the corresponding payoff function. Secondly, deterministic differential games are constructed with the purpose of studying the insurers' equilibrium premium in a competitive market. We apply an optimal control theory to determine the open-loop Nash equilibrium premium strategies. In this direction, two models are formulated and studied. The market power of each insurance company is characterized by a price sensitive parameter, and the business volume is affected by the solvency ratio. Considering the average market premiums, the first model studies an exponential relation between premium strategies and volume of business. The other model initially characterizes the competition between any selected pair of insurers, then aggregates all the paired competitions in the market. Numerical examples illustrate the premium dynamics, and show that premium cycles may exist in equilibrium. Thirdly, a multi-stage stochastic game will be constructed. Insurers are considered to be risk-averse, that is, insurers will to set risk-premiums on their products with the purpose of avoiding risk. Mean-variance Utility function will be adopted. The expenditures of insurance companies will be discussed separately as exposure related costs and non-exposure related costs. The expenditures of insurance companies will be discussed separately as exposure related costs and non-exposure-based costs. The exposure-based component is assumed to be stochastic. Finally, summary of the conclusions complete the thesis.
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Unti, Marco <1981>. "The secondary market for life insurance policies in the United States market evolution and product valuation." Doctoral thesis, Alma Mater Studiorum - Università di Bologna, 2010. http://amsdottorato.unibo.it/2432/1/unti_marco_tesi.pdf.
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In this work we discuss the secondary market for life insurance policies in the United States of America. First, we give an overview of the life settlement market: how it came into existence, its growth prospects and the ethical issues it arises. Secondly, we discuss the characteristics of the different life insurance products present in the market and describe how life settlements are originated. Life settlement transactions tend to be long and complex transactions that require the involvement of a number of parties. Also, a direct investment into life insurance policies is fraught with a number of practical issues and entails risks that are not directly related to longevity. This may reduce the efficiency of a direct investment in physical policies. For these reasons, a synthetic longevity market has evolved. The number of parties involved in a synthetic longevity transaction is typically smaller and the broker-dealer transferring the longevity exposure will be retaining most or all of the risks a physical investment entails. Finally, we describe the main methods used in the market to evaluate life settlement investments and the role of life expectancy providers.
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Unti, Marco <1981>. "The secondary market for life insurance policies in the United States market evolution and product valuation." Doctoral thesis, Alma Mater Studiorum - Università di Bologna, 2010. http://amsdottorato.unibo.it/2432/.
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In this work we discuss the secondary market for life insurance policies in the United States of America. First, we give an overview of the life settlement market: how it came into existence, its growth prospects and the ethical issues it arises. Secondly, we discuss the characteristics of the different life insurance products present in the market and describe how life settlements are originated. Life settlement transactions tend to be long and complex transactions that require the involvement of a number of parties. Also, a direct investment into life insurance policies is fraught with a number of practical issues and entails risks that are not directly related to longevity. This may reduce the efficiency of a direct investment in physical policies. For these reasons, a synthetic longevity market has evolved. The number of parties involved in a synthetic longevity transaction is typically smaller and the broker-dealer transferring the longevity exposure will be retaining most or all of the risks a physical investment entails. Finally, we describe the main methods used in the market to evaluate life settlement investments and the role of life expectancy providers.
Books on the topic "Life insurance policies"
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Company, Merritt, ed. Life insurance policy comparisons & underwriting. Merritt Co., 1994.
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Wynn, Stanford A. Split-dollar life insurance. Section of Real Property, Probate and Trust Law, American Bar Association, 1991.
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Jack, Taylor. How life insurance policies generate investment income. Congressional Research Service, Library of Congress, 1990.
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R, Lee Gary. Life insurance: A practical guide for evaluating policies. Tax Management Inc., 2004.
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Bellange, Deborah. Intro to variable universal life insurance. Life Office Management Association, 2000.
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United, States Congress Senate Committee on the Judiciary Subcommittee on Antitrust Monopolies and Business Rights. When will policyholders be given the truth about life insurance?: Hearing before the Subcommittee on Antitrust, Monopolies, and Business Rights of the Committee on the Judiciary, United States Senate, One Hundred Third Congress, first session on examining state regulations and the adequacy of information available to consumers of life insurance, May 25, 1993. U.S. G.P.O., 1994.
Find full textBook chapters on the topic "Life insurance policies"
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Koller, Michael. "Unit-Linked Policies." In Stochastic Models in Life Insurance. Springer Berlin Heidelberg, 2012. http://dx.doi.org/10.1007/978-3-642-28439-7_8.
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Kalife, Aymeric, Ludovic Goudenège, Xiaolu Tan, Saad Mouti, and Mounir Bellmane. "The Transformation of the Risk Appetite for Sustainable Savings and Retirement Policies." In Sustainable Life Insurance. Chapman and Hall/CRC, 2023. http://dx.doi.org/10.1201/9781003218371-2.
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Koller, Michael. "Policies with Stochastic Interest Rate." In Stochastic Models in Life Insurance. Springer Berlin Heidelberg, 2012. http://dx.doi.org/10.1007/978-3-642-28439-7_9.
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Maynard, Peter C. "Types of Life and Health Insurance Policies." In Medical Selection of Life Risks. Palgrave Macmillan UK, 2000. http://dx.doi.org/10.1007/978-1-349-14499-0_2.
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Tartakovski, Alexander, Martin Schaaf, and Ralph Bergmann. "Retrieval and Configuration of Life Insurance Policies." In Case-Based Reasoning Research and Development. Springer Berlin Heidelberg, 2005. http://dx.doi.org/10.1007/11536406_42.
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Maynard, Peter. "Types of Life and Health Insurance Policies." In Brackenridge’s Medical Selection of Life Risks. Palgrave Macmillan UK, 2006. http://dx.doi.org/10.1007/978-1-349-72324-9_2.
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Maynard, Peter. "Types of Life and Health Insurance Policies." In Brackenridge’s Medical Selection of Life Risks. Palgrave Macmillan UK, 2006. http://dx.doi.org/10.1007/978-1-349-56632-7_2.
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Anzilli, Luca. "A Possibilistic Approach to Evaluating Equity-Linked Life Insurance Policies." In Communications in Computer and Information Science. Springer Berlin Heidelberg, 2012. http://dx.doi.org/10.1007/978-3-642-31724-8_6.
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Tartakovski, Alexander, Martin Schaaf, and Rainer Maximini. "Applying Generalized Cases to Retrieval and Configuration of Life Insurance Policies." In Professional Knowledge Management. Springer Berlin Heidelberg, 2005. http://dx.doi.org/10.1007/11590019_34.
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Corsaro, Stefania, Pasquale Luigi De Angelis, Zelda Marino, and Paolo Zanetti. "Financial Evaluation of Life Insurance Policies in High Performance Computing Environments." In Springer Optimization and Its Applications. Springer US, 2012. http://dx.doi.org/10.1007/978-1-4614-3773-4_11.
Full textConference papers on the topic "Life insurance policies"
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Wu, Yi-Wen, William W. Y. Hsu, Mu-En Wu, and Cheng-Yu Lu. "Optimal investments strategy for whole life insurance policies." In 2014 International Conference on Information Science, Electronics and Electrical Engineering (ISEEE). IEEE, 2014. http://dx.doi.org/10.1109/infoseee.2014.6946264.
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Corsaro, Stefania, Pasquale Luigi De Angelis, Zelda Marino, Francesca Perla, and Paolo Zanetti. "Financial evaluation of Participating Life Insurance Policies in distributed environments." In Distributed Processing Symposium (IPDPS). IEEE, 2008. http://dx.doi.org/10.1109/ipdps.2008.4536460.
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Calidonio Aguilar, Perla Rocio, and Chunhui Xu. "Design Life Insurance Participating Policies with Annual Premiums Using Optimization Techniques." In 2009 Fourth International Conference on Innovative Computing, Information and Control (ICICIC). IEEE, 2009. http://dx.doi.org/10.1109/icicic.2009.160.
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Bataveljić, Dragan, та Bojan Petrović. "Kultura osiguranјa i nјegovi aspekti u Republici Srbiji i drugim zemljama". У Prouzrokovanje štete, naknada štete i osiguranje. Institut za uporedno pravo, Udruženje za odštetno pravo, Pravosudna akademija, 2023. http://dx.doi.org/10.56461/zr_23.ons.33.
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In the paper, the authors indicate the concept of insurance culture and the importance of insurance in the life of every person. The fact is that man has always been exposed to numerous risks. This applies both to his life and his property. We find the beginnings of insurance 5,000 years ago in ancient China. These were the initial forms, and we meet more complex forms of insurance and the first policies at the end of the 12th century in Italy and medieval Serbia in the 14th century. Insurance is constantly influenced by the economic and social system. It experienced the greatest negative impact in the Republic of Serbia during the nineties of the 20th century due to unprecedented hyperinflation. Unfortunately, the development of the insurance culture in the Republic of Serbia is at a low level compared to the member states of the European Union. However, the economic growth of the Republic of Serbia is evident, which should enable a decrease in the number of concluded insurance contracts, especially life insurance. Education at all levels should also contribute to this.
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Boonsom, Panrawe, Chanin Wongyai, and Duang-Arthit Srimoon. "Sales forecasting for life insurance on primary and supplementary policies using seasonal and trend methods." In 2023 IEEE PES 15th Asia-Pacific Power and Energy Engineering Conference (APPEEC). IEEE, 2023. http://dx.doi.org/10.1109/appeec57400.2023.10561992.
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Pavia, Jose M., Natalia Salazar, and Josep Lledo. "Data granularity in mid-year life table construction." In CARMA 2020 - 3rd International Conference on Advanced Research Methods and Analytics. Universitat Politècnica de València, 2020. http://dx.doi.org/10.4995/carma2020.2020.11611.
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Life tables have a substantial influence on both public pension systems andlife insurance policies. National statistical agencies construct life tables fromhypotheses death rate estimates to the (mx aggregated ), or death figures probabilities of demographic (q x ), after applying events (deaths, variousmigrations and births). The use of big data has become extensive acrossmany disciplines, including population statistics. We take advantage of thisfact to create new (more unrestricted) mortality estimators within the familyof period-based estimators, in particular, when the exposed-to-riskpopulation is computed through mid-year population estimates. We useactual data of the Spanish population to explore, by exploiting the detailedmicrodata of births, deaths and migrations (in total, more than 186 milliondemographic events), the effects that different assumptions have oncalculating death probabilities. We also analyse their impact on a sample ofinsurance product. Our results reveal the need to include granular data,including the exact birthdate of each person, when computing period mid-year life tables.
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Mardari, Liliana. "Particularities of state social insurance budget planning in the Republic of Moldova." In 26th International Scientific Conference “Competitiveness and Innovation in the Knowledge Economy". Academy of Economic Studies of Moldova, 2023. http://dx.doi.org/10.53486/cike2022.48.
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The budget represents a public management plan, an important landmark of highlighting the degree to which the state is involved in the economy and social life, as well as the way in which it manages to manage them. Therefore, planning a budget realistically is a first step towards good governance. The state social insurance budget represents the totality of revenues, expenses and funding sources intended for the performance of functions and the management of the public social insurance system, so its planning also has specific peculiarities. The planning of the state social insurance budget is carried out based on the forecast of macroeconomic indicators; the limits of interbudgetary transfers; the policy priorities stipulated in the sectoral spending strategy; trends in demographic indicators and other indicators regarding the number of beneficiaries of social benefits; other specific features contained in the circular regarding the development of the state social insurance budget. The purpose of the research is to highlight the peculiarities of the state social insurance budget planning in the Republic of Moldova. The central public authority in the field of social protection is responsible for developing policies in the field of state social insurance and social assistance and presents forecasts and other information necessary for the development of the medium-term budget framework, promotes the draft law on the state social insurance budget, monitors and analyzes its execution, as well as the performance within the programs, puts forward proposals in order to ensure the financial stability of the public social insurance system. The methods applied in the research process are: dynamic analysis, comparison, observation, deduction. The results of the research reflect the planning of the state social insurance budget in the period 2017-2021. Another aspect of the research is the executed/approved analysis of the state social insurance budget and through the prism of the medium-term budgetary framework.
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Hinson, David, Rusty Smith, Bruce Kitchell, Mackenzie Stagg, Elizabeth Farrell Garcia, and Betsy Burnet. "Can Increasing Energy Performance Be a Key to Unlocking Rural Home Affordability?" In 2020 ACSA Fall Conference. ACSA Press, 2020. http://dx.doi.org/10.35483/acsa.aia.fallintercarbon.20.36.
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Though home energy use should be considered in every residential project, it is particularly critical for low-wealth individuals and families. While higher-budget projects can rely on a return on investment for energy-saving features, “affordable” housing projects built by not-for-profit organizations frequently rely on reductions in construction costs to keep purchasing prices low for homeowners. However, this can result in higher maintenance and operations costs over the useful life of the home. Could linking home performance to the mortgage carry of an individual homeowner provide opportunities to create a housing stock of homes that consider the total cost of homeownership? This paper describes a research initiative designed to seek the balance point between up-front investments in improved energy performance and home affordability in support of a pilot, systems-based approach to more affordable homeownership. In a design-build studio format, the authors and their students have revised and constructed multiple versions of the same small, two-bedroom prototype home developed for the context of a mixed-humid climate: one built to the Passive House Institute U.S. (PHIUS) standard and the other to the Department of Energy’s Zero Energy Ready Home (ZERH) standard. By constructing two prototype homes on the same street and with similar orientation, but with differing energy-related details, the authors are able to evaluate the initial cost of construction associated with achieving these two performance standards while simultaneously comparing the monthly energy savings afforded by each approach. Each home underwent a rigorous process of modeling, testing, and monitoring. Computational energy modeling during the design phase were used to to test various envelope assemblies. At key points in construction, blower door tests and thermal imaging were utilized to assess the specific efficacy of alternative approaches construction detailing and to verify systems and envelope airtightness. Long-term monitoring is used to evaluate actual post-occupancy energy use against that which was predicted in the initial design phase. Furthermore, post-occupancy engagement with the homeowner allows for a deeper understanding of the design of end-user education programs that empower families to leverage the high-performance potential of their homes. Ultimately, these findings provide an invaluable contribution to the authors’ broader research and development where, in partnership with federal agencies as well as mortgage and insurance providers, the team continues to explore mechanisms to better integrate both the policies and products necessary to support a new paradigm of truly affordable homeownership to families in the rural South.
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Herselman, Marlien, and Matt Warren. "Cyber Crime Influencing Businesses in South Africa." In InSITE 2004: Informing Science + IT Education Conference. Informing Science Institute, 2004. http://dx.doi.org/10.28945/2838.
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This study shows that cyber crime is a recent addition to the list of crimes that can adversely affect businesses directly or indirectly. This phenomenon was not directly prosecutable in South Africa until the enactment of the ECT Act in July 2002. However this Act also prevents businesses to fully prosecute a hacker due to incompleteness. Any kind of commercially related crime can be duplicated as cyber crime. Therefore very little research appears or has been documented about cyber crime in South African companies before 2003. The motivation to do this study was that businesses often loose millions in cyber attacks, not necessarily through direct theft but by the loss of service and damage to the image of the company. Most of the companies that were approached for interviews on cyber crime were reluctant to share the fact that they were hacked or that cyber crime occurred at their company as it violates their security policies and may expose their fragile security platforms. The purpose of this study was to attempt to get an overall view on how South African businesses are affected by cyber crime in the banking and short term insurance sector of the South African industry and also to determine what legislation exist in this country to protect them. The case study approach was used to determine the affect of cyber crime on businesses like banks and insurance companies and higher education institutions. Each case was interviewed, monitored and was observed over a period of a year. This study discloses the evaluation of the results of how cyber crime affected the cases, which were part of this study. The banks and higher education institutions felt that they were at an increased risk both externally and internally, which is likely to increase as the migration towards electronic commerce occurs. The insurance industry felt that they are not yet affected by external cyber crime attacks in this country.
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Andov, Stojan, Violeta Cvetkoska, and Tea Mijac. "Unveiling Global Road Accident Patterns - Insights, Analytics, and Implications for Safer Driving Practices." In Economic and Business Trends Shaping the Future. Ss Cyril and Methodius University, Faculty of Economics-Skopje, 2023. http://dx.doi.org/10.47063/ebtsf.2023.0031.
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Every day, we are confronted with alarming news of serious injuries and fatalities resulting from car accidents. In the past decade, these incidents have been on the rise, posing a significant concern for individuals and societies worldwide. The impact of these accidents is particularly devastating when innocent lives, including children, are affected by the long-lasting consequences. While driver behavior remains a major contributing factor to road accidents, there are also other indirect reasons such as infrastructure issues and weather conditions. Addressing this global problem is of utmost importance to safeguard lives and create a safer driving environment for everyone. Sunkpho and Wipulanusat (2020) utilized Business Intelligence (BI) methods, specifically data visualization and analytics, to analyze accident data and provincial data obtained from the Talend Data Integration tool, loaded into a MySQL database, and visualized using Tableau. Their aim was to provide insights into highway accidents and advise the Thai government on adopting this system for formulating strategy options and contingency plans to improve the accident situation. Nour et al. (2020) employ advanced data analytics methods, specifically predictive modeling techniques, to predict injury severity levels and evaluate their performance using publicly available road accident data from the UK Department of Transport spanning 2005 to 2019. Golhar and Kshirsagar M (2021) propose and implement various strategies using the Map-Reduce framework, combining video surveillance and big data analytics, to address the issues of increasing on-road traffic, road congestion, rule violations, and road accidents, aiming to improve road traffic management and make urban population life more comfortable. Yuksel and Atmaca S. (2021) use accelerometer and gyroscope sensor data and applied various machine learning algorithms, including C4.5 Decision Tree, Random Forest, Artificial Neural Network, Support-Vector Machine, K-Nearest Neighbor, Naive Bayes, and K-Star algorithms, to model and evaluate risky driving behaviors, ultimately developing a highly accurate and cost-effective system capable of recording and identifying risky driving behaviors, with potential applications in usage-based insurance policies to incentivize safe driving practices. Mesquitela et al. (2022) use a data fusion process, incorporating information from various sources such as road accidents, weather conditions, local authority reports, traffic, and fire brigade, to analyze and identify geo-referenced accident hotspots in urban areas using ArcGIS Pro and Kernel Density and Hot Spot Analysis tools, aiming to evaluate the factors influencing accident severity and provide knowledge for local municipalities to improve their infrastructure and quality of life, with the results validated by an expert committee, and the approach being applicable to other cities with similar data availability. Based on our Scopus search on "road accidents" and "analytics," no existing references were found directly aligned with our research idea. This highlights the originality of our paper, which aims to raise awareness about road accidents as a significant global issue and provide a comprehensive understanding of their key contributing factors through the analysis of road accident data from six representative countries across different continents including the UK, USA, Chile, Australia, Japan/UAE, and South Africa/Egypt. Our research sheds light on critical aspects of these incidents, explores trends, identifies influential factors, determines countries with low accident rates and casualties, and evaluates the potential impact of data analysis techniques on enhancing road safety. We will use datasets from the selected representative countries, focusing on road accidents that occurred between 2021 and 2022. By employing various analytical methods, we will explore the data from different angles, including descriptive analytics, diagnostic analytics, predictive analytics, prescriptive analytics, and cognitive analytics. Each method will contribute valuable insights to our analysis and understanding of the problem. We will employ Power BI for descriptive and diagnostic analytics, Python for predictive analytics using multilinear regression, Power BI for visualizing regression results, MaxDea Lite and Microsoft Excel for prescriptive analytics such as Data Envelopment Analysis (DEA) and Linear Programming, and also simulations to aid decision-making. Through our analysis, we will address key questions related to road accidents and their impact. For instance, we will determine whether the number of road accidents decreased or increased from 2021 to 2022 and identify the major contributing factors. Furthermore, we will assess the countries with the lowest accident rates and casualties based on ratios per million inhabitants for both years. By leveraging visualization techniques in Power BI, we will present the findings in an accessible and informative manner, enabling stakeholders to grasp the insights easily. The visualization and analysis will provide a deeper understanding of the trends, underlying factors, and the potential of data analysis techniques, such as DEA and Linear Programming, in addressing road safety. The importance of this research lies in its potential to generate significant impact. By shedding light on road accidents as a pressing global issue, the findings will raise awareness among individuals worldwide. Understanding the data from the six representative countries will enable comparisons, identification of best practices, and the formulation of informed strategies to reduce accidents and casualties. The results will benefit researchers, policymakers, and organizations involved in road safety initiatives. The insights gained will help shape evidence-based decisions, implement targeted interventions, and promote safer driving practices to prevent tragic outcomes caused by road accidents.
Reports on the topic "Life insurance policies"
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Gindi, Renee. Health, United States, 2019. Centers for Disease Control and Prevention (U.S.), 2021. http://dx.doi.org/10.15620/cdc:100685.
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Health, United States, 2019 is the 43rd report on the health status of the nation and is submitted by the Secretary of the Department of Health and Human Services to the President and the Congress of the United States in compliance with Section 308 of the Public Health Service Act. This report was compiled by the National Center for Health Statistics (NCHS) of the Centers for Disease Control and Prevention (CDC). The Health, United States series presents an annual overview of national trends in key health indicators. The 2019 report presents trends and current information on selected measures of morbidity, mortality, health care utilization and access, health risk factors, prevention, health insurance, and personal health care expenditures in a 20-figure chartbook. The Health, United States, 2019 Chartbook is supplemented by several other products including Trend Tables, an At-a-Glance table, and Appendixes available for download on the Health, United States website at: https://www.cdc.gov/nchs/hus/ index.htm. The Health, United States, 2019 Chartbook contains 20 figures and 20 tables on health and health care in the United States. Examining trends in health informs the development, implementation, and evaluation of health policies and programs. The first section (Figures 1–13) focuses on health status and determinants: life expectancy, infant mortality, selected causes of death, overdose deaths, suicide, maternal mortality, teen births, preterm births, use of tobacco products, asthma, hypertension, heart disease and cancer, and functional limitations. The second section (Figures 14–15) presents trends in health care utilization: use of mammography and colorectal tests and unmet medical needs. The third section (Figures 16–17) focuses on health care resources: availability of physicians and dentists. The fourth section (Figures 18–20) describes trends in personal health care expenditures, health insurance coverage, and supplemental insurance coverage among Medicare beneficiaries. The Highlights section summarizes major findings from the Chartbook. Suggested citation: National Center for Health Statistics. Health, United States, 2019. Hyattsville, MD. 2021.
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Rast, Jessica E., Kaitlin H. Koffer Miller, Julianna Rava, et al. National Autism Indicators Report: Health and the COVID-19 Pandemic: July 2023. A.J. Drexel Autism Institute, 2023. http://dx.doi.org/10.17918/covidnair2023.
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The COVID-19 pandemic changed how autistic people accessed services and engaged in their communities, ultimately impacting their quality of life. Access to appropriate services and accommodations help autistic individuals in maintaining employment, pursuing education, caring for their health, and establishing independence. Changes in access to services result in long-term consequences, which can be dire for autistic people. In an effort to improve policies and programs for autistic individuals, documentation of disruptions in accessing services during the COVID-19 pandemic informs better evidence-based practices for future public health emergencies. This report examines the impact of the COVID-19 pandemic on health and healthcare among autistic children and adults. To build a comprehensive picture, we included various data sources, including health care claims and administrative records. We explored the availability of services for autistic children based on caregiver report from the National Survey of Children’s Health (NSCH). To understand hospitalization covered by both private and public health insurance, we used national emergency hospitalization records (via the National Emergency Department Sample [NEDS]) and hospital admissions data (via the National Inpatient Sample [NIS]). Finally, we used patient medical records from Kaiser Permanente Northern California (KPNC) to look at service utilization among adult autistic patients from Northern California over the same period. These data sources cover various populations, some of which provide nationally representative pictures of autistic children and adults, others cover specific or regional populations but cover diverse populations in terms of income and race and ethnicity.
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Fuentes, Liza, Sheila Desai, and Ruth Dawson. New Analyses on US Immigrant Health Care Access Underscore the Need to Eliminate Discriminatory Policies. Guttmacher Institute, 2022. http://dx.doi.org/10.1363/2022.33551.
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Introduction Previous Guttmacher Institute research has described sexual and reproductive health disparities between immigrant women and their US-born counterparts. We present new analyses, based on two nationally representative surveys, that show inequities in health insurance coverage by citizenship status and race or ethnicity, and health care service use by citizenship status. These new findings are consistent with existing evidence indicating a need for policies to eliminate sexual and reproductive health inequities that have long persisted along lines of race and ethnicity, immigration status and income in the United States. These analyses make it clear that policymakers need to address these inequities. Two bills, the Health Equity and Access Under the Law (HEAL) for Immigrant Families Act and the Lifting Immigrant Families Through Benefits Access Restoration (LIFT the BAR) Act, represent opportunities to do just that.
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Rojas, Eduardo. The Long Road to Housing Reform: Lessons from the Chilean Experience. Inter-American Development Bank, 1999. http://dx.doi.org/10.18235/0008522.
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Chile's housing policy is widely regarded as a success. For almost a decade, new construction has been above the level required to provide houses for new families and replace obsolete structures. This raises hopes that within the next decade all families in Chile will occupy dwellings that comply with minimum quality and service standards. This is no small accomplishment for a country just entering the middle ground in the development scale. Moreover, the private sector is taking an increasingly active role in housing production and financing. This too is a significant achievement considering that in the 1970s most housing was built and financed by the government. Further, government assistance is effectively reaching the poor, and most public resources are benefiting low-income households. Confidence in the housing policy is high among the low-income population as expressed in their high level of participation in a housing savings program and by the absence of land invasions. These accomplishments are the result of a long maturation process in the Chilean housing sector. Fifty years of government policy have consolidated the legal, institutional, and entrepreneurial foundations of the current housing production and financing system. Several success factors can be identified: an integrated sector approach (which incorporates the housing needs of all income groups); an efficient subsidy system (the result of a long process of experimentation); and reforms of the general banking system and the social security system (which created strong institutions to intermediate the financial resources accumulated by pension funds and life insurance companies). Even with its accomplishments, Chile's housing sector still faces significant challenges. Improvements are needed to more effectively mobilize the resources devoted to housing. The lack of coordination between housing and urban development policies is becoming a major liability for both efficient housing production and equitable urban growth. Direct government involvement in house construction and home financing enforce uniformity in design and repayment schedules failing to fully meet the diversified demand of the target households and to fully mobilize the repayment capacity of beneficiaries. It is suggested that it may be time for housing policy to move beyond this basic approach introducing more flexibility through greater market participation in low-income housing.
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Braun, Miguel, and Luciano Di Gresia. Towards Effective Social Insurance in Latin America: The Importance of Countercyclical Fiscal Policy. Inter-American Development Bank, 2003. http://dx.doi.org/10.18235/0010813.
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Latin America is a volatile, crisis-prone region, with limited and inadequate social insurance. Therefore, the long-term as well as the recent poor suffer significantly during crises. Furthermore, social spending is procyclical in the region, but less so than total spending, indicating that the effectiveness of compensatory social policies designed to protect those vulnerable to crises is constrained by adjustments during recessions. The causes of procyclical fiscal policy lie in the political constraints on saving during expansions, combined with limited creditworthiness during recessions, and enhanced by economic volatility and a low share of automatic stabilizers in the budget. We evaluate policy options to reduce procyclicality of fiscal policy, such as stabilization funds, fiscal rules and reform of budget institutions, and argue in favor of integrated policy proposals based on more country-specific analysis, such as the Fiscal Responsibility Law in Brazil.
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The role of incentives in encouraging workplace HIV/AIDS policies and programs. Population Council, 2004. http://dx.doi.org/10.31899/hiv15.1007.
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This brief examines the role of incentives in encouraging companies in Thailand to adopt workplace policies and programs that address AIDS-related stigma and discrimination and respond to the needs of workers for information and services. The research was a collaboration between the Horizons Program, American International Assurance (AIA), the Thailand Business Coalition on AIDS (TBCA), and AusAID. After the initiative was launched (known as the AIDS-response Standard Organization), TBCA staff built relationships with company managers to explain and promote the advantages of joining. Companies agreeing to implement at least three HIV/AIDS workplace policies would receive a reduction of 5–10 percent off group life insurance premiums from AIA, Thailand’s largest insurance provider, if they were AIA clients. As the initiative evolved, TBCA introduced the additional incentive of a certificate endorsed by the government and awarded at a high-profile public ceremony. For each company agreeing to participate, TBCA offered assistance to enhance their activities, including providing educational leaflets, videos, and a mobile exhibition, as well as condoms, peer education training, counseling and referrals to support groups for HIV-positive employees, and assistance with writing company HIV/AIDS policies.