دور الدراسات الإكتوارية في تحديد الأقساط و تقييم المخاطر لتأمين الحياة في الأردن

الملخص EN

Surveying the life tables used in the Jordanian insurance market revealed that most insurance companies listed in the Jordanian market use the British Life table decreed in 1967-1970 to determine the life insurance premiums.

The reason for this is that the British Life table has been designed according to accurate and reliable data, although other tables are available such as the American, Swiss, German and others.

The Study included three main hypotheses through which to find the solution to the problems on the subject of study in life tables.

After the use of statistical tests the study achieved the following: In comparing the premiums from the table prepared with the premium available in the Jordanian insurance market, it is revealed that the average mortality rate in the table output was 12% compared with an average mortality rate for the life using the British (English) table for the year 1967- 1970 amounted to 16%.

It is revealed that comparing the premiums and the creation of the overall rate of the difference by comparing the mortality rate and mortality tables is the basis for the life.

This reflects the variation in the value of premiums between those tables.

However, the difference between the premiums set by the market premium and any type of life insurances is 4%.

In the light of these finding, the study recommeds the reduce of the value of the premium rate to 4%; and to test the appropriateness of applying a life table in the Jordanian insurance market.