Confronto tra il caricamento esplicito e il caricamento implicito nelle assicurazioni ramo vita

The thesis analyzes the explicit and implicit safety loading of the elementary life insurance policies. In the first chapter, they are explained the basics of the financial system and the procedures governing the operation of insurance. The second chapter provides the demographic field definitions on life tables, probability and random variables that will be used to perform the calculations. In this chapter it is described the Heligman-Pollard law and are computed the Heligman-Pollard life tables. The third chapter deals with the calculation of expected values, variances and coefficients of variation of the various elementary life insurance policies. In this chapter it is analyzed the implicit safety loading and it is described how it changes when the parameters, with which it is computed, change. The implicit safety loading is computed with the Heligman-Pollard life tables computed in the previous chapter. The fourth analyzes the explicit safety loading of the various policies, focusing in particular on the expected value, the variance and the standard deviation principles. There is a comparison between the implicit safety loading and the explicit one.