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

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<dc:creator>Eling, Martin</dc:creator>
<dc:creator>Kiesenbauer, Dieter</dc:creator>
<dc:date>2014-06-02</dc:date>
<dc:description xml:lang="es">Sumario: 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.</dc:description>
<dc:identifier>https://documentacion.fundacionmapfre.org/documentacion/publico/es/bib/148042.do</dc:identifier>
<dc:language>spa</dc:language>
<dc:rights xml:lang="es">InC - http://rightsstatements.org/vocab/InC/1.0/</dc:rights>
<dc:subject xml:lang="es">Seguro de vida</dc:subject>
<dc:subject xml:lang="es">Seguro de personas</dc:subject>
<dc:subject xml:lang="es">Contrato de seguro</dc:subject>
<dc:subject xml:lang="es">Estudios comparativos</dc:subject>
<dc:subject xml:lang="es">Productos de seguros</dc:subject>
<dc:subject xml:lang="es">Factores de riesgo</dc:subject>
<dc:subject xml:lang="es">Citas bibliográficas</dc:subject>
<dc:subject xml:lang="es">Mercado de seguros</dc:subject>
<dc:subject xml:lang="es">Alemania</dc:subject>
<dc:type xml:lang="es">Artículos y capítulos</dc:type>
<dc:title xml:lang="es">What policy features determine life insurance lapse? an analysis of the German market</dc:title>
<dc:relation xml:lang="es">En: The Journal of risk and insurance. - Nueva York : The American Risk and Insurance Association, 1964- = ISSN 0022-4367. - 02/06/2014 Volumen 81 Número 2 - junio 2014 , p. 241-270</dc:relation>
<dc:coverage xml:lang="es">Alemania</dc:coverage>
</rdf:Description>
</rdf:RDF>