نتایج جستجو برای: insurance risk
تعداد نتایج: 983335 فیلتر نتایج به سال:
This article discusses risk classification and develops and discusses a framework for estimating the effects of restrictions on risk classification. It is shown that expected losses due to adverse selection depend only on means, variances and covariances of insurance factors and rates of uptake of insurance. Percentage loadings required to avoid losses are displayed. Correlated information, suc...
the main logic behind the demand for life insurance is to hedge against the labor income uncertainty due to premature death of a wage earner. in other words, life insurance is the device by which this labor income uncertainty is handled. for insurers, the uncertainty arises from the lack of knowledge about the age of death of the wage earner. this paper attempts to derive life insurance demand ...
The main objective of the present study is to analyze the effects of agricultural crop insurance on farmers’ technical efficiency and risk attitude. Required data came from questionnaires that were completed by the Institute for Planning and Agricultural Economics of the Ministry of Agriculture. Farmers’ technical efficiency and attitude toward risk were estimated using stochastic frontier prod...
the conventional theory of adverse selection is not supported by most of the empirical works. these studies conclude that low-risk individuals demand more insurance services than high-risks. they refer to this situation as advantageous selection theory. this theory states that loss ratio of insureds may be lower than the population loss ratio while the conventional theory of adverse selection c...
Crop insurance is a risk management tool with the potential of dealing with risk more efficiently, the study uses a dichotomous contingent valuation method to elicit the willingness to pay for crop insurance among cereal farmers in the Eastern region of Ghana. The study employed descriptive statistical techniques to analyse primary data obtained from 208 sampled farmers in the region. Approxima...
Nowadays, deposit insurance plays a significant role in the financial stability of countries, and most countries have implemented this system in their countries. However, since in the deposit insurance process, it is unknown whether something will happen in the future or not, there are still disagreements between jurisconsults concerning this system, and they believe that factors such as risk...
Background: The development of the insurance industry and the accounting system are two important pillars of economic development of any country and the ethical responsibility of auditors requires them to reduce the risk of their activities. The present study has developed a hierarchical analysis of the components affecting the professional liability insurance of auditors in order to develop th...
Several aspects of the life insurance pricing process depend on the subjective attitude of both the agents, insurer and insured. The insurer chooses the population sector, that may be interested in the offered protection and the prevailing interest between coverage and investment. On one side, prudence has to characterize the management due to the social role and has to be inserted explicitly i...
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