How Much Risk Do Variable Annuity Guarantees Pose to Life Insurers
How Much Risk Do Variable Annuity Guarantees Pose to Life Insurers
复制标题
可变年金保证给人寿保险公司带来多大风险
DOI：
10.2139/ssrn.2031993
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发表时间：
2017
期刊：
影响因子：
--
通讯作者：
R. Rosen
中科院分区：
文献类型：
--
作者：
Alejandro Drexler;Thanases Plestis;R. Rosen
在过去的二十年里，保护可变年金的担保？当其基础投资表现不佳时，平衡已经变得相当流行。总的来说，这些担保可能会给寿险公司带来相当大的风险。本文探讨不同类型的变额年金保证、其对保险公司构成的风险程度，以及保险公司用以减轻该等风险的做法。
Over the past two decades, guarantees that protect variable annuities? balances when their underlying investments perform poorly have become quite popular. Collectively, these guarantees can pose a sizable risk to life insurers. This article explores the different types of variable annuity guarantees, the extent of the risk they pose to insurers, and the practices used by insurers to mitigate against such risk.