原创力文档- 1、本文档共194页，可阅读全部内容。
- 2、原创力文档（book118）网站文档一经付费（服务费），不意味着购买了该文档的版权，仅供个人/单位学习、研究之用，不得用于商业用途，未经授权，严禁复制、发行、汇编、翻译或者网络传播等，侵权必究。
- 3、本站所有内容均由合作方或网友上传，本站不对文档的完整性、权威性及其观点立场正确性做任何保证或承诺！文档内容仅供研究参考，付费前请自行鉴别。如您付费，意味着您自己接受本站规则且自行承担风险，本站不退款、不进行额外附加服务；查看《如何避免下载的几个坑》。如果您已付费下载过本站文档，您可以点击 这里二次下载。
- 4、如文档侵犯商业秘密、侵犯著作权、侵犯人身权等，请点击“版权申诉”（推荐），也可以打举报电话：400-050-0827(电话支持时间：9:00-18:30)。
查看更多
增率率追溯率生命表型再保亦分保事人之任何一方其之理有之自由之合再保原保人再保人先立再保合定各有再保事方均需遵守就而言一方必向方再保不得漏方必接受不得拒型比率合再保又定合再保即每一危承保金之共限由各再保公司依照所定之百分比分配之凡於合之每原保人一定之自而按定之百分率自留再保人也按定之比率接受再保溢合再保所有其保金超分保公司之自留即依照合定之分各再保公司如自留一百合共即二千共二千一百型超失再保再保人在某一之每一款超分保公司自留始再保付任超率失再保超率失再保在一特定年度分保公司之一特定之失率超再保公司
* * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * Transparency Master 1.2 * Transparency Master 1.2 * * * * * * * * * * * * * * * * * * * * * * * * * * * Transparency Master 1.2 * Transparency Master 1.2 * Transparency Master 1.2 * Transparency Master 1.2 * Transparency Master 1.2 * * * * * * * * * * * * * Transparency Master 1.2 * Transparency Master 1.2 * Transparency Master 1.2 * Transparency Master 1.2 * Transparency Master 1.2 * Transparency Master 1.2 * * * * * * * * Transparency Master 1.2 * Ratemaking in Property and Casualty Insurance Merit rating增減費率 is a rating plan by which class rates are adjusted upward or downward based on individual loss experience Under a schedule rating plan, each exposure is individually rated A basis rate is determined for each exposure, which is then modified by debits or credits depending on the physical characteristics of the exposure Commonly used in commercial property insurance Ratemaking in Property and Casualty Insurance Under experience rating經驗費率, the class or manual rate is adjusted upward or downward based on past loss experience The insurer’s past loss experience is used to determine the premium for the next policy period Under a retrospective rating 追溯費率plan, the insured’s loss experience during the current policy period determines the actual premium paid for that period A provisional premium is paid at the beginning of the policy period; the final premium is calculated at the end of the policy period Commonly used in workers compensation insurance Ratemaking in Life Insurance Life insurance actuaries use a mortality table生命表 or individual company experience to determine the probability of death at each attained age The annual expected value of death claims equals the probability of death times the amount the insurer must pay if death occurs The Financial Crisis and Insurers The recent financial crisis has affected financial institutions in different ways Banks were
文档评论（0）