VALIDATION OF INSURANCE RATES FOR INNOVATION INSURANCE PRODUCTS USING GENERALIZED ACTUARIAL BASIS
O.Yu. Ryzhkov1, L.K. Bobrov2
1Siberian Interregional Association of Insurers, Uritskogo st., 12, Novosibirsk, Novosibirsk region, 630099
2Novosibirsk State University of Economics and Management, Kamenskaya st., 56, Novosibirsk, Novosibirsk region, 630099
Keywords: страховой тариф, статистическое моделирование, актуарные расчеты, актуарный базис, страховой продукт, инновации, insurance tariff, statistical modeling, actuarial calculations, actuarial basis, insurance product, innovations
Abstract
The possibilities of the generalized actuarial basis for accounting in the insurance rates of the expanded policy provisions, both in life insurance and general insurance, are analyzed. It is demonstrated that use of the generalized actuarial basis and statistical modeling makes it possible to develop innovation insurance products and ensure validity of the respective actuarial calculations. The sufficiency of the insurance premia for ensuring the financial stability of the insurer is demonstrated by example of two innovation insurance products (in life insurance and general insurance) using statistical modeling.
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