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DTSTAMP:20250705T061345Z
DESCRIPTION:Title: Mutual insurance schemes.\n\nAbstract: If insurance risk
  is shared within a pool of individuals without risk transfer to an insure
 r\, this is called mutual insurance. This century-old concept may regain p
 opularity as today’s digital technology allows easy and legally binding wa
 ys to implement such schemes. This is for example documented by the rise o
 f the (disability) insurance platform Xianghubao in China (more than 100 m
 illion subscribers\, founded 2018) or the pensiontech Nuovalo (founded 202
 0). This talk looks at the design\, risk management and actuarial fairness
  of such schemes. Our emphasis is on heterogeneous pools\, where for examp
 le a pool of people with different risk characteristics (health\, age) aim
  for a lifelong retirement income (products named pooled annuities\, group
 -self annuitization schemes\, survivor funds or modern tontines). Introduc
 ing the concept of a modern „life-care tontine“\, the talk shows how lifel
 ong mutual schemes are supplemented by a long-term care rider\, giving the
  advantage to pool competing mortality and morbidity risks.\n\n \n\nFor Zo
 om meeting please contact Marie-Pier.Cote [at] act.ulaval.ca\n\n \n
DTSTART:20220225T190000Z
DTEND:20220225T200000Z
SUMMARY:Peter Hieber (Universite de Lausanne)
URL:/mathstat/channels/event/peter-hieber-universite-d
 e-lausanne-337863
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