책임준비금과 순보험료의 관계

관심도 없느데 교수님이 시험에 낼거같아서 무조건이다.

뭔가 제일 안 나올거 같은걸 내시네..

 

Relationship between reserves and insurance net premium?

 

The relationship between reserves and insurance net premium can be understood in terms of the financial obligations and cash flows of an insurance company.

Reserves: Reserves represent the amount of money that an insurance company sets aside to fulfill its future policy obligations. It serves as a financial cushion to ensure that the insurer can pay claims and benefits as they become due. Reserves are typically calculated based on actuarial estimates of expected claims, liabilities, and expenses.

Insurance Net Premium: Insurance net premium refers to the premium amount collected by the insurance company after deducting various expenses, such as commissions, administrative costs, and expected claims. It represents the revenue generated by the insurer for providing insurance coverage.

Relationship: Reserves and insurance net premium are interconnected in the following ways:

1. Funding Reserves: Insurance net premiums collected by the insurer contribute to funding the reserves. A portion of the premiums received is set aside to build and maintain the reserves required to cover future claim payments and policy obligations.
2. Reserving for Future Liabilities: The reserves are established based on actuarial calculations that consider the expected claims and liabilities associated with the insurance policies. The premiums collected help build the reserves to ensure that the insurer has sufficient funds to meet its future obligations.
3. Adjusting Premium Rates: The analysis of reserves and claims experience helps insurers determine the appropriate premium rates for their policies. If the reserves are insufficient to cover expected claims, the insurer may need to adjust premium rates to ensure long-term financial stability.
4. Financial Soundness: Adequate reserves indicate the financial strength and solvency of an insurance company. Regulatory authorities often require insurers to maintain minimum reserve levels to ensure they can meet their policy obligations. Insurers must balance their premium income and expenses to maintain a healthy reserve position.

 

순보험료는

저축보험료 + 위험보험료

 

이다.

 

근데 이걸 할려면 기수표바탕 순보험료계산법 먼저 해야겠다 ㅠ