Schmidt C J, Singer R B
Safeco Life and Investments, Seattle, WA 98124-1690, USA.
J Insur Med. 2000;32(3):131-6.
Structured settlement underwriting is the underwriting of medically impaired lives for the purchase of an annuity to fund the settlement. Other than risk assessment, structured settlement (SS) underwriting has little in common with traditional life insurance underwriting. Most noteworthy of these differences is the relative lack of actuarial data on which to base decisions about mortality and the necessity for prospective thinking about risk assessment. The purpose of this paper is to provide a foundation for understanding the structured settlement business and to contrast the underwriting of structured settlements with that of traditional life insurance. This is the first part of a two-part article on SS annuities. Part 2 deals with the mortality experience in SS annuitants and the life-table methodology used to calculate life expectancy for annuitants at increased mortality risk.
结构化理赔承保是针对健康受损人群进行承保，以便购买年金为理赔提供资金。除了风险评估外，结构化理赔（SS）承保与传统人寿保险承保几乎没有共同之处。这些差异中最值得注意的是，关于死亡率决策的 actuarial 数据相对匮乏，以及前瞻性思考风险评估的必要性。本文的目的是为理解结构化理赔业务提供一个基础，并将结构化理赔的承保与传统人寿保险的承保进行对比。这是关于 SS 年金的系列文章的第一部分。第二部分讨论 SS 年金领取者的死亡经验以及用于计算死亡率风险增加的年金领取者预期寿命的生命表方法。
