Experience Mortality Study

• Main Authors: Tseng-ling Ko, 柯增玲
• Other Authors: Chih-Hua Chiao
• Format: Others
• Language: zh-TW
• Published: 2007
• Online Access: http://ndltd.ncl.edu.tw/handle/59485806998037519496

碩士 === 東吳大學 === 商用數學系 === 95 === The main purpose of this study is to explore the characteristics of the traditional insurance experience mortality, and to provide reference of the business strategy for the insurance company. In this study, we adopt seriatim method to improve the correctness of the outcome. Using appropriate graduation methods, we obtain the following conclusions. For the insurance companies without enough number of business policies, it is inappropriate to maintain the liquidity of the cash flow by selling the short-term endowment. As regards the insurance companies with a great quantity of business policies, the liquidity of the cash flow is not a major decision issue. The investment department should pay more attention to allocate assets so that the lowest required of capital should be reached. The strategy of selling the short-term endowment and the whole life insurance is efficient. The highest age of the whole life insurance is seventy-seven. Because the mortality rate of the age higher than seventy-seven is still not stable, the insurance companies should keep on paying attention and observing to control the risk of the potential high mortality. Keywords：endowment, whole life, seriatim method, exposure, mortality rate , graduation, claim index