Science Essay 社会学 管理类作业 经济学作业 法律作业 市场学作业 语言学文学金融作业 会计作业 国际商务管理 MBA Essay fashion&culture 物流管理作业
返回首页

金融学assignment:保险核保程序 Underwriting Process in Insurance

时间:2018-03-05 08:57来源:www.ukthesis.org 作者:英国论文网 点击联系客服: 客服:Damien
为了使保险公司获利,并向保险人收取适当的费率,他们必须接受承保过程。承保是保险公司确定投保人是否符合保险条件和投保人是否有资格收取保险费率的过程。简单地说,这是一个风险分类的过程。保险承保的目的是在保险人的范围内分散风险,这样既有利于保险人,又有利于客户。保险公司需要像其他许多企业一样盈利。因此,如果他们为投保人出售保险,那就没有意义了。他们可能不想过度的高收费的客户并不是他们同样的保费收取每个投保人好。”承销使公司能够剔除某些申请人,并向剩余申请人收取与他们风险水平相称的保费”。
承销过程包括评估申请人和复杂的定价模型的精算师,帮助制定价格的保险公司开发使用的几个来源。我将把重点放在风险分类,以及一些因素,帮助保险公司分类每个投保人和使用保险信用评分,允许保险公司的保费价格。
 
In order for the insurance companies to make profit and charge the appropriate rate for an insured, they undergo the underwriting process. Underwriting is the process in which an insurance company determines if an applicant is eligible for insurance and the rate they should charge if the applicant is eligible. In simpler words, it is a process of risk classification. The purpose of insurance underwriting is to spread risk among a pool of insured in a way that is both profitable for the insurer and fair to the customer. Insurance companies need to make a profit like many other businesses. Therefore, it doesn't make sense if they sell insurance for everyone who applies for it. They may not want to charge an excessive high rate to the customer and also it is not good for them to charge the same premium to every policyholder. "Underwriting enables the company to weed out certain applicants and to charge the remaining applicants premiums that are commensurate with their level of risk" (Conrad, Clark, Goodwin, Morse & Kane, 2011).
 
The underwriting process consist of evaluating several sources of an applicant and the use of complex pricing models developed by actuaries that help the insurance companies set prices. I will focus on the risk classification along with some of the factors that help the underwriters classify each applicant and the use of insurance credit scoring that allow the insurance companies to price the premiums.
 
Factors 因素
 
An insurance company usually looks at various factors during the underwriting process in order to evaluate a potential customer in terms of risk. These factors enable the insurer to determine whether or not the potential customer is insurable. If the potential customer is determined to be insurable, then these factors will help to place them in the appropriate risk group. Some of the factors considered are age, sex, health history, current health/physical condition, personal family health history, occupation, personal habits/character, financial condition, and hobbies (Clark, et al, 2011).(责任编辑:cinq)


------分隔符-------------------------------------
UK Thesis Base Contacts
推荐内容

Europe (24-hours)
EN:13917206902
china (24-hours)
CN:13917206902
在线客服团队
全天候24小时在线客服 QQ:923678151

微信在线客服(24小时)

微信公众订阅号