Using of Experienced Rates to Solve Traditional Life Insurance Policies Problems Applied on the Egyptian Insurance Market.
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1 Suez Canal University Faculty Of Commerce - Ismailia Applied Statistics & Insurance Department Using of Experienced Rates to Solve Traditional Life Insurance Policies Problems Applied on the Egyptian Insurance Market Thesis Submitted to Applied Statistics and Insurance Department for Partial Fulfillment for Doctor of philosophy Degree in Insurance Prepared By Hany Fawzy Estreed Assistant Lecturer in Applied Statistics & Insurance Department Under Supervision of Prof. Dr. Mahmoud Sayed A. Salem Ass. Prof. Zakaria Abduh Gaafar
2 Introduction: Insurance Institutions around the world have examined many development and variables which change the role and efficiency of it's institutions, specially life insurance companies. In the same time Egyptian life insurance companies face many Barriers and obstacles which lead to non observed development in it's ability to satisfy life insurance customers. 1) Research Problem. If we monitor life insurance market in Egypt, we will discover that this market face many weakness points which rely on. Increase in life insurance premium calculation which lead to decrease in number of customers. Stability in life. insurance policies premium interest rate calculation which result to dissatisfaction of customers. Decrease in Egyptian life insurance contribution in universal life insurance market. So, we can summarize our research problem in deficiency in the present system to calculate life insurance cost which depend on using fixed or static variable in calculation insurance cost, which finally result to observed decrease in purchasing standard life insurance. 2
3 2) Research Objectives and Importance. This research aim to design life insurance system which depend on using actual interest rate and actual death rate to avoid the bad effect of inflation in life policies to reduce the increase in premium cost calculation. This research presents an important contributions for several parties: - The insured persons :- The new design of life insurance policies solve a lot of problems which face life insurance market as dissatisfaction of the customer to the current life insurance policies.this new design of life insurance policies make it more acceptable to the customers from the religious point of view as it depends on variable interest rates. - The insurance companies :- The new design of life insurance policies will encourage customers to buy more life insurance products then leading to more premiums so more returns. - The society :- The increase in the returns of life insurance companies will be transferred as investments serving the whole society. 3) Research Limits. This research will be applied in life insurance branch in Egyptian life insurance companies and cover the period from 1995/1996 to 2005/ ) Research methodology :- This research dependends on two main points First point :- Analytical methods to the effecting variables on the demand of life insurance policies on both universal or local views. 3
4 Second point :- Using statistical analysis and mathematical models to use the actual rates in adjusting the actuarial system results. 5) Research Contents. This research contains five chapters Chapter one: The general frame of study In this chapter the research discusses the search problems, objectives methodology and borders. Chapter two: Efficiency of traditional of life insurance policies in presenting life insurance coverage. This chapter discusses the international indices to measure the penetration efficiency of life insurance industry and viewing the main problems facing this industry. Chapter three: Estimating the amount of Insurance as handicapping factor effecting the demand on life insurance. This chapter discusses the development of problems in determining the amount of insurance, the relations between life insurance amount and applied social insurance systems. The research represent a model for determining the amount of insurance to help the insured person in determining the right amount of insurance. Chapter four: Partial solutions to problems of applying the actuarial system. This chapter discusses the inefficiency of traditional life insurance products through analysis of the advantages and the disadvantages of the traditional life insurance policies. Chapter five : A proposed design model for the new life insurance policies and measuring its effectiveness facing the disadvantages of the traditional and non - traditional life insurance policies. This chapter presenting the new proposed design model of policies containing : 4
5 1-Elements of this new design. 2- Equations used in this new design. 3- Steps of making the new design policies. 4- The importance of this new design and its benefits. 5- An applied case. 6)Research Results and Recommendations:- Results: 1- life insurance markets is developing countries facing problems of low demand in life insurance policies. 2- Impotence of traditional life insurance policies in life insurance industry. 3- The non traditional life insurance policies represent partial solutions of life insurance industry strategies. 4- Lake of tools in determining the amount of insurance is one of the life insurance industry problems. 5- Un - transparency in technical calculations of life insurance industry is a major problem. 6- The returns of policy holders investment is a logic right to the policy holder. 7- The insurance companies are responsible for managing the investments of policy holders, so it should bear the results of this management. Recommendations: 1-The proposed new model solves the most of problems facing the life insurance industry like : A. Presenting the highest standard of fairness between the insurance company and policy holder. B. Gives the individual investor the ability to make his financial planning far away from risk as happening in non traditional life insurance policies. C. This models facing the religious criticism in life insurance products. 2- The new model represent the highest standards of transparency and disclosure. 3- We should do our best to arise the concepts of life insurance culture. 4- Depending on market researches in determining individual insurance needs in developing countries. 5
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