个人寿命预测的改善将如何影响保险承保？
How will improved forecasts of individual lifetimes affect underwriting?
作者信息
MacDonald A S
机构信息
Heriot-Watt University, Riccarton, Edinburgh, UK.
出版信息
Philos Trans R Soc Lond B Biol Sci. 1997 Aug 29;352(1357):1067-75. doi: 10.1098/rstb.1997.0087.
Abstract
The combined effects of underwriting and adverse selection among heterogeneous populations are considered, using a simple Markov model. I illustrate the possible extent of the costs of adverse selection; in all cases, above-average sums assured is the most significant factor.
摘要
使用一个简单的马尔可夫模型，考虑了承保和异质人群中逆向选择的综合影响。我阐述了逆向选择成本可能达到的程度；在所有情况下，高于平均水平的保险金额是最重要的因素。
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