Pewne metody ustalania ubezpieczeniowych składek netto
Methods for Determining Net Insurance Premiums

Summary/Abstract: The aim of this article is to present some generalisations of actuarial problems which have interesting solutions from a mathematical point of view. The generalisations we propose can be used in practice to calculate net single premiums in some types of life insurance. Solutions of problems are non-trivial and include advanced mathematical analysis techniques and algebra required in applied mathematics. The problems considered here are connected with a statistical model of life insurance (the distribution function of the future lifetime, force of mortality) and mainly the calculation of net single premiums in chosen types of life insurance. It is also presented very interesting example in which a net single premium of a whole life insurance policy for a person at fractional age is calculated (for a person at the age of x + α, where x is an integer number and α is a fraction, 0 ≤ α ≤ 1). There are proven relationships between the net single premium calculated for different assumptions of mortality during the year. Example illustrated values of these premiums for different fractional parts of the age are provided.

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