insurers have in the past few decades faced longevity risks - the risk that annuitants survive more than expected - and therefore need a new approach to manage this new risk. in this dissertation we survey methods that hedge longevity risks. these methods use securitization to manage risk, so using modern financial and insurance pricing models, especially wang transform and actuarial concepts, ...

it is definitely necessary to understand the concept and behavior of causation of life insurance policies and its determinants for insurance managers, regulators, and customers. for insurance managers, the profitability and liquidity of insurers can be increasingly influenced by the number of causation through costs, adverse selection, and cash surrender values. therefore, causation is a materi...

selon les pédagogues, la culture étant un élément très important dans le processus de lapprentissage de langue étrangère et la maîtrise de la compétence linguistique requiert celle de la compétence culturelle. la littérature dun pays est comme un miroir qui reflète bon nombre daspects culturels, cest pourquoi avec le choix dun texte littéraire convenable, lenseignant peut assurer à la fois lapp...

هدف از انجام این مطالعه مقایسه دو روش mpn-pcr و mpn-culture در شمارش باکتری لیستریا مونوسیتوژنز تلقیح شده به شیر استریل می باشد. برای انجام این کار تعدادcell/ml 103 از باکتری لیستریا مونوسیتوژنز و نیز باکتری های زمینه ای مختلف به شیر استریل تلقیح شدند. پس از آماده سازی رقت های متوالی، از هر رقت در سه لوله حاوی محیط غنی کننده لیستریا تلقیح شد. پس از 48 ساعت گرمخانه گذاری، برای آزمایش mpn-cultu...

these days, all department stores make an effort to provide their clients with valuable products in order to project the best image for them. as a result, clients’ comprehension risk will decrease and they will be more willing to repurchase. having a good image is really important for the department stores because it makes an impression on clients’ comprehension of both quality and risk. consid...

abstract: about 60% of total premium of insurance industry is pertained?to life policies in the world; while the life insurance total premium in iran is less than 6% of total premium in insurance industry in 2008 (sigma, no 3/2009). among the reasons that discourage the life insurance industry is the problem of adverse selection. adverse selection theory describes a situation where the inf...

résumé : la "langue" est beaucoup plus quun simple outil de communication et elle représente la réalité sociale de celui qui lutilise. la langue façonne la perception des gens et leur vision du monde en portant la culture. dans l’enseignement des langues, il apparaît ainsi important de privilégier les contacts entre les différentes cultures et le développement dune compétence interculturelle....