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What policy features determine life insurance lapse? an analysis of the German market

 
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<title>What policy features determine life insurance lapse? an analysis of the German market</title>
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<name type="personal" xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="MAPA20120016187">
<namePart>Kiesenbauer, Dieter</namePart>
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<abstract displayLabel="Summary">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.</abstract>
<note type="statement of responsibility">Martin Eling, Dieter Kiesenbauer</note>
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<topic>Seguro de vida</topic>
</subject>
<subject xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="MAPA20080587901">
<topic>Seguro de personas</topic>
</subject>
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<topic>Contrato de seguro</topic>
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<topic>Estudios comparativos</topic>
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<topic>Productos de seguros</topic>
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<subject xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="MAPA20080585266">
<topic>Factores de riesgo</topic>
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<topic>Citas bibliográficas</topic>
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<topic>Mercado de seguros</topic>
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<subject authority="lcshac" xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="MAPA20080637996">
<geographic>Alemania</geographic>
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<title>The Journal of risk and insurance</title>
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<publisher>Nueva York : The American Risk and Insurance Association, 1964-</publisher>
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<identifier type="issn">0022-4367</identifier>
<identifier type="local">MAP20077000727</identifier>
<part>
<text>02/06/2014 Volumen 81 Número 2 - junio 2014 , p. 241-270</text>
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