Metody analizy portfelu grupowych ubezpieczeń rodzinnych na życie

Abstract

A group family life insurance undertaken by the Polish National Insurance belongs to life insurances of a particular social importance. It is distinguished by novelty of its solutions in the scope of calculation principles and in liability of the insurer. The present study attempts at filling a gap in research instrumentation aimed at accurate assessment of economic risk dimensions, covered by insurer. Formulae estimating, in a possibly adequate way, financial effect of current activities of insurer, levels of life insurance fund and amounts of optimum life insurance found are being discussed. The assumption of the so-called „diminishing" („non-renewed") insurance portfolio is made. A limited cognitive value of the index of burdening with premiums of insurance benefits in long term life insurances is indicated.