معدل الفائدة الفني و تأثيره على قسط التأمين على الحياة

الملخص EN

The technical interest rate is the second element on the basis of which the life insurance premium is calculated, and the need to use the technical interest rate arises due to the long period between the date of payment of premiums and the date of maturity of the insurance amount.

In this research, the technical interest rate was studied in terms of its definition and importance in life insurance.

And its impact in determining the cost of life insurance contracts, whether by increase or decrease in terms of its impact on the net premiums of life insurance contracts, according to the type and duration of the policy, the method of payment of the premium and the age of the insured when contracting, We have clarified the way in which the technical interest rate in Egypt is determined and its value is 4.25% for individual insurance policies and evaluated, and it was very few compared to the rates of return on investment in the Egyptian market on the one hand, and with the technical interest rate in the global insurance markets such as the German, American, Austrian and insurance market in the United Kingdom On the other hand, in terms of the value of the rate in these markets and the party responsible for determining it and the basis on which it is based when determining the technical interest rate, which is equal to 60% of the average of the last 10 years of government bonds in these markets due to its stability and a lower degree of risk, The technical rate should be reviewed at frequent intervals.