Wybrane czynniki wpływające na poziom ryzyka w grupowych ubezpieczeniach na życie

• Authors: Cieślak, Adam

Title variants

PL

Selected Risk Level Factors in Group Life Insurance

Abstracts

EN

The problem discussed in this paper is the risk level factors existing in group life insurance that do not influence the risk level in individual life insurance. The number of factors is remarkable, which results from: a) wider scope of cover; b) no obligation for employees to enter the group programme; c) possibility for members of the employees" families to enter the programme; d) possibility to divide employees into groups; e) simplified risk evaluation procedures. The factors that are discussed in this paper are: a) antiselection risk (which is the main factor and - to some extent - the result of points b-g listed underneath); b) moment of entering the programme; c) definition of the insured that can be changed and cover not only employees (who can enter the programme); d) definition of the second part of the insurance contract (other than insurer- who can form the group of the insured); e) number of the insured and their share in total number of employees; f) division into groups and the division criterium; g) number of insured members of the employees' family; h) structure of the employees (standard deviation of ageing).

• Publisher: Uniwersytet Łódzki. Wydawnictwo Uniwersytetu Łódzkiego
• Journal: Acta Universitatis Lodziensis. Folia Oeconomica
• Year: 2008
• Volume: 222

Dates

published

2008

Contributors

author

Cieślak, Adam

other

Wielkopolskie Towarzystwo Ubezpieczeń i Reasekuracji WARTA SA i Towarzystwo Ubezpieczeń na Życie WARTA SA

Identifiers

URI

http://hdl.handle.net/11089/7615