Значимостта на рисковия признак „пол” при изграждане на застрахователните тарифи в животозастраховането
The significance of risk attributed to "gender" in forming insurance rates for life insurance

Summary/Abstract: The calculation of insurance pre-miums depends on the assessment that insurers make regarding risk, interest and costs. Fair distribution of the total loss depends on the classification of objects insured according to the most important risk characteristics for the insurance. Actuarial calculations can be made on this basis in order to reflect the responsibilities borne by insurers and their distribution regarding the insured totality, calculated by insurance premiums. The age and gender of the insured is considered as an attribute of major risk, according to which life insurance companies make their risk classification. On this basis, they differentiate insurance contributions, which is a prerequisite for the equitable distribution of the total sum of the insurance payment. Judgment by the European Union banned the risk attribute of "gender" from being counted when establishing insurance rates. This decision provoked many comments about its appropriateness and consequences. Therefore valuation of the importance of the risk attribute of "gender" is made in the article presented in forming insurance rates for life insurance. All findings and conclusions reached are illustrated by examples drawn using a specific life insurance.

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