Essays on Current Topics in Life Insurance

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Publisher : VVW GmbH
ISBN 13 : 3862983269
Total Pages : 137 pages
Book Rating : 4.8/5 (629 download)

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Book Synopsis Essays on Current Topics in Life Insurance by : Gunther Kraut

Download or read book Essays on Current Topics in Life Insurance written by Gunther Kraut and published by VVW GmbH. This book was released on 2015 with total page 137 pages. Available in PDF, EPUB and Kindle. Book excerpt: Das Buch erscheint in englischer Sprache. Das Buch widmet sich verschiedenen aktuellen Themen der Lebensversicherung, insbesondere dem Management von extremen Mortalitätsrisiken und dem Versicherungsnehmerverhalten. Am Beispiel illiquider Märkte für Katastrophenrisiken wird ein axiomatisch hergeleiteter Mechanismus entwickelt, der die Poolanteilsbestimmung in Risikotragegemeinschaften von mehreren Versicherungsunternehmen auf eindeutig bestimmte Weise fairer macht. Ein solcher Mechanismus könnte in bestimmten Marktsituationen dazu beitragen, vorhandene Marktkapazitäten effizienter zu nutzen und die sogenannte Grenze der Versicherbarkeit auszuweiten. Des Weiteren wird qualitativ untersucht, wie die Entwicklung solcher neuartigen Risikotransfertechniken durch die Versicherungsregulierung befördert oder behindert werden kann. Am Beispiel des Aufsichtsregimes Solvency II wird als Resultat dieser Analyse ein generisches internes Partialmodell entwickelt, das die Anerkennung gerade nicht-proportionaler Risikotransferinstrumente erleichtert und - wo sinnvoll - durch eine entsprechende Anreizsetzung erstrebenswert macht. Nach einem thematischen Sprung in die Welt der Sparprodukte wird zuletzt das dynamische Stornoverhalten von Versicherungsnehmern für sogenannte Variable-Annuity-Produkte empirisch untersucht. Auf verhaltensökonomischer Theorie aufbauend können Aussagen zur Finanzrationalität der Versicherungsnehmer gewonnen werden, die auch generelle Rückschlüsse auf die Bewertung von in Finanzprodukte eingebetteten Optionen durch Individuen zulassen. Durch diese breite thematische Aufstellung richtet sich das Buch sowohl an die Wissenschaft als auch an die Praxis. Insbesondere für Produktentwickler, Risikomanager und Aufseher sollten die gewonnenen Erkenntnisse von direktem Nutzen sein.

Essays on Life Insurance and Healthcare Finance

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Publisher :
ISBN 13 :
Total Pages : 0 pages
Book Rating : 4.:/5 (119 download)

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Book Synopsis Essays on Life Insurance and Healthcare Finance by : Bryan Paul Schmutz

Download or read book Essays on Life Insurance and Healthcare Finance written by Bryan Paul Schmutz and published by . This book was released on 2013 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Essays on the State of Taxation of the Life Insurance Industry

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ISBN 13 :
Total Pages : 141 pages
Book Rating : 4.:/5 (374 download)

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Book Synopsis Essays on the State of Taxation of the Life Insurance Industry by : Marci K. Castillo

Download or read book Essays on the State of Taxation of the Life Insurance Industry written by Marci K. Castillo and published by . This book was released on 1997 with total page 141 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Essays on the Economics of Selected Multi-Period Insurance Decisions with Private Information

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Publisher : VVW GmbH
ISBN 13 : 3862980790
Total Pages : 146 pages
Book Rating : 4.8/5 (629 download)

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Book Synopsis Essays on the Economics of Selected Multi-Period Insurance Decisions with Private Information by : Petra Steinorth

Download or read book Essays on the Economics of Selected Multi-Period Insurance Decisions with Private Information written by Petra Steinorth and published by VVW GmbH. This book was released on 2011 with total page 146 pages. Available in PDF, EPUB and Kindle. Book excerpt: "Petra Steinorth präsentiert in ihrer in englischer Sprache vorgelegten kumulativen Dissertationsschrift drei theoretische Modelle, die Versicherungsentscheidungen über mehrere Perioden und bei privater Information seitens der Versicherungsnehmer ökonomisch untersuchen. Die Dissertation leistet einen wichtigen Beitrag zur theoretischen Forschung im Bereich Versicherungsökonomie, da insbesondere zu mehrperiodigen Fragestellungen noch großer Forschungsbedarf besteht: Der Beitrag ""Impact of Health Savings Accounts on Precautionary Savings, Demand for Health Insurance and Prevention Effort"" untersucht den Einfluss von steuerlich begünstigten Gesundheitssparkonten auf das Sparverhalten, die Nachfrage nach Krankenversicherung und Prävention. Im zweiten Beitrag ""Yes, No, Perhaps - Explaining the Demand for Risk Classification Insurance with Imperfect Private Information"" wird untersucht, welche Granularität der Risikoklassifizierung optimal ist, wenn die Versicherungsnehmer unvollständige private Information über ihren zukünftigen Risikotyp haben. Der dritte Beitrag ""The Demand for Enhanced Annuities"" analysiert die Reaktion des Marktes auf die Einführung von sogenannten Enhanced Annuities. Dabei handelt es sich um Rentenversicherungsprodukte, die die individuelle Lebenserwartung bei der Tarifierung berücksichtigen. Die wissenschaftliche Arbeit ist auch für Mitarbeiter in Versicherungsunternehmen von Interesse, da sie wichtige Bereiche des Produktmanagements in der Lebens- und Krankenversicherung behandelt. Petra Steinorth ́s dissertation consists of three theoretical models, which all examine the economics of selected multi-period insurance decisions with private information on the part of the insured. The thesis makes an important contribution to insurance economics literature as multi-period problems have not yet been widely studied. The article ""Impact of Health Savings Accounts on Precautionary Savings, Demand for Health Insurance and Prevention Effort"" investigates how tax incentives like health savings accounts influence savings for medical costs, the demand for health insurance and ex ante moral hazard. The second article ""Yes, no, perhaps - Explaining the Demand for Risk Classification Insurance"" examines the optimal risk classification in case the insured have incomplete private information regarding their future risk type. The third article ""The Demand for Enhanced Annuities"" analyzes the market reaction to the introduction of so-called enhanced annuities, which are annuities that take individual factors influencing life expectancy into account for pricing. The scientific dissertation is also of interest to insurance practitioners as it examines important issues in the field of health and life insurance product management."

Three Essays on the Effects of Risk and Regulation on the Price of Term Life Insurance

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ISBN 13 :
Total Pages : 128 pages
Book Rating : 4.:/5 (663 download)

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Book Synopsis Three Essays on the Effects of Risk and Regulation on the Price of Term Life Insurance by : Patrick Ryan Cooper

Download or read book Three Essays on the Effects of Risk and Regulation on the Price of Term Life Insurance written by Patrick Ryan Cooper and published by . This book was released on 2010 with total page 128 pages. Available in PDF, EPUB and Kindle. Book excerpt: While life insurers are generally free to set prices on term life insurance contracts, they face three constraints in doing so. Two of these constraints, insurance premium taxes and insurance guaranty funds, are imposed by state governments, while the third, the insolvency risk premium of insurance contracts issued by a specific insurer, is imposed directly by the market. The first two essays estimate the effects of the two government-imposed constraints on the price of term life insurance. In essay one, we look at how guaranty funds affect the price of term life insurance. Guaranty funds, which exist in every state, reduce the cost of insurer insolvency to policyholders by paying out death benefits up to a specified amount, usually $300,000, on policies written by insurers that have become insolvent. We show theoretically, using an expected value model, and empirically, using data from the California term life insurance market, that the price per thousand dollars of coverage is significantly lower for policies with a face value above the amount guaranteed by the state guaranty fund. In essay two, we estimate the effects of state insurance premium taxes on the price of term life insurance. In estimating the effects of state-specific premium taxes on the price of term life insurance, we linearly bifurcate each state's premium tax into a domestic premium tax, which is paid by all life insurance companies, regardless of domicile, and a retaliatory tax, which is paid only by an insurer whose state of domicile has a premium tax greater than that of the state in which the policy is written. We find that a one percent increase in both the domestic premium tax and the retaliatory tax increase the price of term life insurance by less than one percent. Finally, in the third essay, we estimate the effect of an insurer's insolvency risk, as measured by A.M. Best Financial Strength Ratings, on the price of a term life insurance contract issued by that insurer. Insurance contracts sold by an insurer with a relatively lower rating should sell at a discount to policies written by firms with a higher rating. We find strong evidence that insurers with a relatively higher A.M. Best rating actually charge lower prices.

The Indicator

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Publisher :
ISBN 13 :
Total Pages : 480 pages
Book Rating : 4.0/5 (975 download)

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Book Synopsis The Indicator by :

Download or read book The Indicator written by and published by . This book was released on 1911 with total page 480 pages. Available in PDF, EPUB and Kindle. Book excerpt:

The Indicator

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Publisher :
ISBN 13 :
Total Pages : 470 pages
Book Rating : 4.:/5 (25 download)

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Book Synopsis The Indicator by : William H. Burr

Download or read book The Indicator written by William H. Burr and published by . This book was released on 1911 with total page 470 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Essays on Life Insurance and Household Decisions

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Publisher :
ISBN 13 :
Total Pages : 145 pages
Book Rating : 4.:/5 (244 download)

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Book Synopsis Essays on Life Insurance and Household Decisions by : Jay H. Hong

Download or read book Essays on Life Insurance and Household Decisions written by Jay H. Hong and published by . This book was released on 2006 with total page 145 pages. Available in PDF, EPUB and Kindle. Book excerpt:

The Insurance Field

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Publisher :
ISBN 13 :
Total Pages : 740 pages
Book Rating : 4.3/5 (91 download)

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Book Synopsis The Insurance Field by :

Download or read book The Insurance Field written by and published by . This book was released on 1908 with total page 740 pages. Available in PDF, EPUB and Kindle. Book excerpt: Vols. for 1910-56 include convention proceedings of various insurance organizations.

The Insurance Press

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Publisher :
ISBN 13 :
Total Pages : 650 pages
Book Rating : 4.:/5 (334 download)

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Book Synopsis The Insurance Press by :

Download or read book The Insurance Press written by and published by . This book was released on 1922 with total page 650 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Public Policy Toward Pensions

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Publisher : MIT Press
ISBN 13 : 9780262193870
Total Pages : 360 pages
Book Rating : 4.1/5 (938 download)

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Book Synopsis Public Policy Toward Pensions by : Sylvester J. Schieber

Download or read book Public Policy Toward Pensions written by Sylvester J. Schieber and published by MIT Press. This book was released on 1997 with total page 360 pages. Available in PDF, EPUB and Kindle. Book excerpt: According to Schieber and Shoven, pension policy will emerge as one of the key economic issues of the next decade. This book provides a guide to the debate.Public and private pensions control almost a quarter of the United States' tangible wealth--equivalent to all of the country's residential real estate. They account for most current saving in the country, are a crucial component of household retirement resources, and have significant effects on labor market mobility and efficiency. Collectively, they hold a tremendous proportion of all common stock. The stock market has boomed during the past decade, as baby boomers have rapidly accumulated pension assets. Now economists are starting to wonder what will happen when the baby boomers retire. It is already clear that the Social Security system will require drastic changes to remain solvent. Will the stock market experience a similar meltdown as baby boomers withdraw their assets from pension plans? What policies might help to avoid such a crisis? According to Schieber and Shoven, pension policy will emerge as one of the key economic issues of the next decade. This book provides a guide to the debate. Topics include the impact of pensions on personal and national saving, the potential for a Pension Benefit Guarantee Corporation financial crisis, the dramatic growth in 401(k) plans, public sector plants, the prospects for adequate retirement income in the future, and recommended directions for pension policies. The book contains ten chapters, four written by Schieber and Shoven.ContributorsRobert Clark, Ping-Lung Hsin, Olivia Mitchell, James Poterba, Andrew Samwick, Jonathan Skinner, Steven Venti, Carolyn Weaver, David Wise, and Elisa Wolper.

Real Essays with Readings

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Publisher : Macmillan
ISBN 13 : 0312648081
Total Pages : 905 pages
Book Rating : 4.3/5 (126 download)

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Book Synopsis Real Essays with Readings by : Susan Anker

Download or read book Real Essays with Readings written by Susan Anker and published by Macmillan. This book was released on 2011-12-28 with total page 905 pages. Available in PDF, EPUB and Kindle. Book excerpt: Real Essays delivers the powerful message that good writing, thinking, and reading skills are both essential and achievable. From the inspiring stories told by former students in Profiles of Success to the practical strategies for community involvement in the new Community Connections, Real Essays helps students to connect the writing class with their real lives and with the expectations of the larger world. So that students don’t get overwhelmed, the book focuses first on the most important things in each area, such as the Four Most Serious Errors in grammar; the Four Basics of each rhetorical strategy; and the academic skills of summary, analysis, and synthesis. Read the preface.

Medical Essays, 1842-1882

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Publisher : BoD – Books on Demand
ISBN 13 : 3385323525
Total Pages : 462 pages
Book Rating : 4.3/5 (853 download)

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Book Synopsis Medical Essays, 1842-1882 by : Oliver Wendell Holmes

Download or read book Medical Essays, 1842-1882 written by Oliver Wendell Holmes and published by BoD – Books on Demand. This book was released on 2024-01-23 with total page 462 pages. Available in PDF, EPUB and Kindle. Book excerpt: Reprint of the original, first published in 1883.

The American Monthly Review of Reviews

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Publisher :
ISBN 13 :
Total Pages : 1126 pages
Book Rating : 4.3/5 (91 download)

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Book Synopsis The American Monthly Review of Reviews by : Albert Shaw

Download or read book The American Monthly Review of Reviews written by Albert Shaw and published by . This book was released on 1907 with total page 1126 pages. Available in PDF, EPUB and Kindle. Book excerpt:

The American Monthly Review of Reviews

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ISBN 13 :
Total Pages : 784 pages
Book Rating : 4.:/5 (321 download)

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Book Synopsis The American Monthly Review of Reviews by :

Download or read book The American Monthly Review of Reviews written by and published by . This book was released on 1907 with total page 784 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Public Opinion

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ISBN 13 :
Total Pages : 620 pages
Book Rating : 4.F/5 ( download)

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Book Synopsis Public Opinion by :

Download or read book Public Opinion written by and published by . This book was released on 1889 with total page 620 pages. Available in PDF, EPUB and Kindle. Book excerpt:

United States Investor

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ISBN 13 :
Total Pages : 1676 pages
Book Rating : 4.3/5 (91 download)

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Book Synopsis United States Investor by :

Download or read book United States Investor written by and published by . This book was released on 1927 with total page 1676 pages. Available in PDF, EPUB and Kindle. Book excerpt: