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What policy features determine life insurance lapse? an analysis of the German market
Recurso electrónico / electronic resource
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100  ‎$0‎​MAPA20080644529‎$a‎​Eling, Martin ‌
24510‎$a‎​What policy features determine life insurance lapse? an analysis of the German market‎$c‎​Martin Eling, Dieter Kiesenbauer
520  ‎$a‎​With the largest data set ever used for this purpose (covering more than 1 million contracts), we analyze the impact of product and policyholder characteristics on lapse in the life insurance market. The data are provided by a German life insurer and cover two periods of market turmoil that we incorporate into our proportional hazards and generalized linear models. The results show that product characteristics such as product type or contract age and policyholder characteristics such as age or gender are important drivers for lapse rates. Our findings improve the understanding of lapse drivers and might be used by insurance managers and regulators for value- and risk-based management.
650 4‎$0‎​MAPA20080570590‎$a‎​Seguro de vida ‌
650 4‎$0‎​MAPA20080587901‎$a‎​Seguro de personas ‌
650 4‎$0‎​MAPA20080584290‎$a‎​Contrato de seguro ‌
650 4‎$0‎​MAPA20080601492‎$a‎​Estudios comparativos ‌
650 4‎$0‎​MAPA20080598358‎$a‎​Productos de seguros ‌
650 4‎$0‎​MAPA20080585266‎$a‎​Factores de riesgo ‌
650 4‎$0‎​MAPA20080595173‎$a‎​Citas bibliográficas ‌
650 4‎$0‎​MAPA20080586294‎$a‎​Mercado de seguros ‌
651 1‎$0‎​MAPA20080637996‎$a‎​Alemania ‌
7001 ‎$0‎​MAPA20120016187‎$a‎​Kiesenbauer, Dieter ‌
7730 ‎$w‎​MAP20077000727‎$t‎​The Journal of risk and insurance‎$d‎​Nueva York : The American Risk and Insurance Association, 1964-‎$x‎​0022-4367‎$g‎​02/06/2014 Volumen 81 Número 2 - junio 2014 , p. 241-270