Višestruko životno osiguranje

master's thesis

• Author: Karolina Ocvirek
• Mentor: Miljenko Huzak (mentor)
• Committee member: Miljenko Huzak (predsjednik povjerenstva)
• Committee member: Goran Radunović (član povjerenstva)
• Committee member: Maja Resman (član povjerenstva)
• Committee member: Nikola Sandrić (član povjerenstva)
• Granter: University of Zagreb; Faculty of Science; (Department of Mathematics); Zagreb
• Defense date and country: 2018-09-26, Croatia
• Scientific / art field, discipline and subdiscipline: NATURAL SCIENCES; Mathematics

Abstract

Cilj ovog rada je objasniti višestruko životno osiguranje, tj. osiguranje života više osoba. U tu svrhu uvedena su zajednička stanja više osoba kao što su stanje združenih osoba, stanje posljednjeg preživjelog i opće simetrično stanje. Dokazana je Schuette-Nesbittova formula, a objašnjeni su i asimetrične rente i asimetrična osiguranja. Kako bismo se mogli posvetiti temi diplomskog rada, na početku su objašnjeni osnovni pojmovi iz područja aktuarske matematike. Također su objašnjene vrste životnog osiguranja te njihove sadašnje vrijednosti i jednokratne neto premije. Rad sadrži i objašnjenja pojmova poput životnih renti, neto premija, neto premijskih rezervi te modela višestrukih uzroka smanjenja.

Abstract (english)

The main goal of this paper is to explain the multiple life insurance, ie. the life insurance of multiple person. For this purpose, common status have been introduced such as the jointlife status, the last-survivor status and the general symmetric status. The Schuette-Nesbitt formula has been proven and asymmetric rents and asymmetric insurance are explained. In order to be able to dedicate the subject of this paper, the basics of actuarial mathematics are explained at the beginning. Also, life insurance types have been explained, as well as their present values and net single premiums. The paper also includes explanations of concepts such as life annuities, net premiums, net premium reserves, and multiple decrement model.

• Keywords: životno osiguranje; Schuette-Nesbittova formula; aktuarska matematika
• Keywords (english): life insurance; Schuette-Nesbitt formula; actuarial mathematics
• Language: croatian
• URN:NBN: urn:nbn:hr:217:558539
• Study programme: Title: Finance and Business Mathematics; Study programme type: university; Study level: graduate; Academic / professional title: magistar/magistra matematike (magistar/magistra matematike)
• Type of resource: Text
• File origin: Born digital
• Access conditions: Open access
• Created on: 2019-06-10 10:52:57