> "! \pJava Excel API v2.6 Ba==h\:#8X@"1Arial1Arial1Arial1Arial + ) , * `(DC,4$titletitle[alternative]title[translated]author[google(nobreakline)] contributor[author(nobreakline)]"contributor[scopusid(nobreakline)]date[issued]relation[journaltitle]identifier[issn] citationsidentifier[major]subject(nobreakline) publisheridentifier[thesisdegree]contributor[advisor]relation[ispartofseries]relation[index(nobreakline)]typeabstractidentifier[govdoc]identifier[uri]identifier[doi(doi)]identifier[isbn]identifier[ismn]
identifierbA Joint Life Insurance under Dependent Life Distribution with Interdependent Environmental Factors28 ȍ XֽxD $\ Xt
XX \ l2019Y ĬYtTŐYP YMaster(XMaster's ThesisPeople prepare future uncertainty through insurance. Insurance is essential financial product to modern people. As the life expectancy increases, there is a noticeable increase in the pension and life insurance to prepare for life. In particular, there is an increase in the number of joint life insurances and related riders for couples sharing economic conditions.
As the low interest rate trend has been maintained recently, the importance of risk rate in insurance is emerging. However, the calculation of the risk rate for the joint life insurance and the joint life annuity assumes that the life span of the couple is independent for practical convenience. Rather than assuming that the life span of a couple sharing a physical environment is independent, it is reasonable to assume the environment as a common factor and manage the risk.
There are various environmental factors, but in this paper, economic level and physical environment level are considered. In addition, since the physical environment level is likely to be influenced by the economic level, the conditional distribution is used. So, we assume that the level of the physical environment varies with economic level. The economic level is assumed to be discrete and the physical environment level is assumed to be continuous. We will analyze the insurance premiums and risks of the joint life insurance and the joint life annuity in the marital life distribution model considering the two environmental factors. Also, we will conduct a comparative analysis with the models of independent model.;X U1D DXՔ @ xŌ Dx 5 t. ȜͰ X̸ 0 X \ xX 9T T . \ 2026DŔ 9T t| $ .
t Ũ 0| D DX0 \ LD DX0 \ X x0 7XՌ И . ҈, X q \ tǔ t Ǵ | <\ XՔ t Ř .
D XՔ ֬X ǥ 0p\ xX uD X ` X ɔ1t P . | <\ XՔ X `@ X| X ųD X . X̹ < XֽD XՔ X
@ ų<\ ٳX0 䲔 XֽD ƌ\ ȍ<\ XՔ t iլt.
Xֽ ƌŔ D <ǘ |8 (t ǔ P Xֽ xD $X. x<\ < Xֽ D $X. \ < Xֽ @ ƥD D t ǅX\ 0| < Xֽ t \ X.
|8@ 8 ȍx Xֽ xD hخ $X X
| HX. 0|, |8@ x !tD $X X ̸@ l| lXՔ XX .khttp://dcollection.ewha.ac.kr/common/orgView/000000153508;
http://dspace.ewha.ac.kr/handle/2015.oak/248590;"@Ce|(!CPrs BKm~ AJlmnq 1 @' IH j%G
dMbP?_*+%" ,,??U
!
"
#
l>@
Root EntryWorkbook"SummaryInformation(DocumentSummaryInformation8