¿Hay verdaderamente una fórmula estándar para el riesgo de suscripción de vida?
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Universidad del País Vasco/Euskal Herriko Unibertsitatea
info
Universidad del País Vasco/Euskal Herriko Unibertsitatea
Lejona, España
ISSN: 0534-3232
Année de publication: 2017
Número: 23
Pages: 49-70
Type: Article
D'autres publications dans: Anales del Instituto de Actuarios Españoles
Résumé
The Solvency II directive allows creating internal models as alternative to the standard formulation. Nevertheless, in this work it is demonstrated that this standard formulation really is not so standard because every insurance company should have to develop its own formulation according to the specifications of every product that commercializes. It concerns, principally to medium and small insurance companies, in average, it is the majority into the Spanish insurance market.
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