The effect of using genetic testing for predicting all-cause mortality risk on life insurance pricing /
أثر استخدام الفحص الجيني للتنبؤ بأسباب خطر الوفاة على تسعير التأمين على الحياة
Mahmoud Samy Khaled Ahmed ; Supervised Lobna Mohamed Farid
- Cairo : Mahmoud Samy Khaled Ahmed , 2019
- 166 P. : charts ; 25cm
Thesis (Ph.D.) - Cairo University - Faculty of Commerce - Department of Mathematics and Insurance
In life Insurance, the ability to estimate the way in which contingent liabilities currently contracted are likely to come out in the future as actual payments is key. This is done by making assumptions about mortality rates. Regarding the advances in human genetics, and medical sciences in general, it is important for the insurance industry to understand the full implications of these latest developments. This thesis has provided a detailed survival analysis to distinguish and differentiate between different types of risk in order to provide the insurer a significant assistance to the fairness of the pricing process as a whole . That was done through analyzing mortality trends of the Egyptian population, and identifying the features of population mortality and determines the main factors that affecting it. Moreover, analyzing the significance of conducting a genetic testing on insured lives on predicting All-Cause mortality risk A popular semi-parametric model; known as Cox Proportional-hazards model- used in survival analysis was used to assess the importance of various covariates in the survival times of individuals or objects through the hazard function. In addition, the quantitative impact of these variables on important lifetime variables of interest were described
Genetic testing Life insurance pricing Predicting mortality risk