MEI Insurance Practical work

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Task 1.

What is the life table?

Calculate the missing elements in the table of death .....

What is the chance to live to 51 years, if the number of surviving to this age still 928?

Task 2

What is the wage rate?

What is the gross rate, if risky net-rate and risk premium equal to 5 rubles. and 1.2 rubles. respectively, and the load is estimated at 20%.

Activity 3

Determine what will be the net rate of 100 rubles. deferred annuity for 10 years (payment at the end of the year), if the age of the insured - 56 years, and the rate of return is 50%.

Task 4

Let the insurer for insurance contracts concluded 4000 with total assets of the insurance amount of 40 000 000 rub. As a result, it was made 200 payments, and total payments amounted to 200,000 rubles. Estimate the average tariff rate on property insurance 100 rubles. sum insured in the security guarantees equal 0,95 (N = 200). The coefficient of variation of payments is 0.5 and the load of 30% gross rate.

Task 5

Let the insurer must pay the first year 145 rub., At the beginning of the second year 150 rub., The third 155 rubles, the fourth 160 rubles. And at the beginning of the year an amount equal to 5 170 rubles. What is the current value of the financial obligations of the insurer, if the rate of return is 20% per annum?

Task 6

You sign a contract and the insurer of property insurance with the insurer. What wasps main points must be contained in the contract of insurance?

Task 7

When disability due to accidents slu¬chaev distribution of disability-sti zna¬cheniyam meets the following conditional probabilities:

- The likelihood of disability group 1 - 0.18;

- The likelihood of disability Group 2 - 0.42;

- The likelihood of disability Group 3 - 0.40.

What is the coefficient of variation of payments?

Task 8

Suppose that under the contract of insurance (endowment insured up to age 45 years) were insured 100 people aged 25 years for the total insurance amount of 300 000 rubles. Using a commutation table-tion numbers, calculate the present value of financial liabilities of the insurer and the tariff-tion rate (gross rate) under such contract of insurance (load equal to 10% of gross-rate).

Task 9

Describe the process of reinsurance. What are the key concepts found in reinsurance.

Task 10

What types of violations that can occur when health insurance. Who and how is responsible for these violations.