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Abstract We explore the role of weighted distributions in pricing insurance risks. In particular, we relate the distributions to actuarial and economic premium calculation principles and in this way provide a unifying methodology for constructing new principles and analyzing known ones. 相似文献
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Quality & Quantity - Student past and present performances are analyzed, compared, and reflected upon by teachers, curriculum developers, and educational researchers. For the tasks, methods and... 相似文献
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Knowledge of strong predictors of mortality and longevity is very important for actuarial science and practice. Earlier studies found that parental characteristics as well as early-life conditions and midlife environment play a significant role in survival to advanced ages. However, little is known about the simultaneous effects of these three factors on longevity. This ongoing study attempts to fill this gap by comparing centenarians born in the United States in 1890–1891 with peers born in the same years who died at age 65. The records for centenarians and controls were taken from computerized family histories, which were then linked to 1900 and 1930 U.S. censuses. As a result of this linkage procedure, 765 records of confirmed centenarians and 783 records of controls were obtained. Analysis with multivariate logistic regression found the existence of both general and gender-specific predictors of human longevity. General predictors common for men and women are paternal and maternal longevity. Gender-specific predictors of male longevity are occupation as a farmer at age 40, Northeastern region of birth in the United States, and birth in the second half of year. A gender-specific predictor of female longevity is the availability of radio in the household according to the 1930 U.S. census. Given the importance of familial longevity as an independent predictor of survival to advanced ages, we conducted a comparative study of biological and nonbiological relatives of centenarians using a larger sample of 1,945 validated U.S. centenarians born in 1880–1895. We found that male gender of centenarian has a significant positive effect on survival of adult male relatives (brothers and fathers) but not female blood relatives. Life span of centenarian siblings-in-law is lower compared to life span of centenarian siblings and does not depend on centenarian gender. Wives of male centenarians (who share lifestyle and living conditions) have a significantly better survival compared to wives of centenarians' brothers. This finding demonstrates an important role of shared familial environment and lifestyle in human longevity. The results of this study suggest that familial background, some early-life conditions and midlife characteristics play an important role in longevity. 相似文献
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Mark Bebbington Rebecca Green Chin-Diew Lai Ričardas Zitikis 《Scandinavian actuarial journal》2014,2014(3):189-207
Using a new distribution capable of exhibiting all the possible modes of accelerating and decelerating mortality, we conduct a systematic investigation of late-life mortality in humans. We check the insensitivity of the distribution to age cutoffs in the data relative to the logistic mortality model and propose a method to forecast evolution in the characteristic deceleration ages of the distribution. A number of data sets have been explored, with a particular emphasis on those originating from Scandinavia. Although those from Australia, Canada, and the USA are compatible with Gompertzian mortality, those from the other countries examined are not. We find in particular that the onset of mortality deceleration is being progressively delayed in Western societies but that there is evidence of mortality plateauing at earlier ages. 相似文献
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We demonstrate that when testing for stochastic dominance of order three and above, using a weighted version of the Kolmogorov–Smirnov-type statistic proposed by McFadden [1989. In: Fomby, T.B., Seo, T.K. (Eds.), Studies in the Economics of Uncertainty. Springer, New York, pp. 113–134] is necessary for obtaining a non-degenerate asymptotic distribution. Since the asymptotic distribution is complex, we discuss a bootstrap approximation for it in the context of a real application. 相似文献
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