Wpływ proporcji płci ubezpieczonych na wysokość jednorazowych składek netto w ubezpieczeniach na życie
The influence of gender structure of the insured on net single premiums in life insurance

Summary/Abstract: Gender and age are key factors determining the force of mortality. Nondifferentiation of insurance premiums and benefits based on gender, introduced as of 21/12/2012, contributed to the fact that the gender structure of the portfolio of policies became an additional risk to the insurance company. This paper shows the impact of gender structure on net single premiums in basic types of life insurance on the basis of demographic data. For this purpose, unisex life tables were constructed under the assumption of various gender mix. The importance of having knowledge of the gender structure of the insured for the correct calculation of unisex premiums was visibly demonstrated.

• Details
• Contents