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Erschienen in:
2020 | OriginalPaper | Buchkapitel
1. Introduction
verfasst von : Michel Denuit, Donatien Hainaut, Julien Trufin
Erschienen in: Effective Statistical Learning Methods for Actuaries II
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Abstract
Insurance companies cover risks (that is, random financial losses) by collecting premiums. Premiums are generally paid in advance (hence their name). The pure premium is the amount collected by the insurance company, to be re-distributed as benefits among policyholders and third parties in execution of the contract, without loss nor profit. Under the conditions of validity of the law of large numbers, the pure premium is the expected amount of compensation to be paid by the insurer (sometimes discounted to policy issue in case of long-term liabilities).