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Life after death : The diffusion of Swedish life insurance - Dynamics of financial and social modernization 1830-1950Eriksson, Liselotte January 2011 (has links)
The aim of this thesis is to understand the diffusion process of Swedish life insurance during the period c. 1830-1950, with the specific aim to understand financial modernization and social mobilization as reflected in the diffusion of life insurance to less well-to-do classes and women. In contrast to British and American experiences, the results of this thesis show that the rural classes played an important role in the diffusion of Swedish life insurance. The thesis shows that demand-side factors such as income and urbanisation cannot fully explain this diffusion of life insurance, and why additionally, non-quantitative factors need to be addressed. It is shown how cultural preferences assist in understanding the development of industrial life insurance in different countries. It is also stressed that women, in their capacity as policyholders, beneficiaries of life policies, as dependents, and their limited property rights, constituted the conditions under which the life insurance industry had to adjust and operate. In sum, female policyholders, cultural representations of women and legal constraints on women, constituted an important subset of the 'rules of the game' for the life insurance industry. Important results of the thesis are that female policyholders constituted a large part of the policyholders in the largest industrial life insurance company already in the early twentieth century. It is furthermore shown that life insurance representatives were members in organizations of the women's movement and that they acted for married women's property rights in parliament. It is also argued that different notions of 'a good death', as reflected in funeral practices, contributed to different developments of private and public insurance in Sweden and the United States. By widening the concept of 'business' and recognizing the cultural and social contexts under which the industry operated, this thesis highlights the interaction between business and social change. / "Den enskildes risk och det gemensamma åtagandet" Jan Wallanders och Tom Hedelius Stiftelse Tore Browaldhs stiftelse
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Fundamentação técnica e atuarial dos seguros de vida : um estudo comparativo entre o seguro de vida individual e o seguro de vida em grupo no BrasilGuimarães, Sérgio Rangel January 2003 (has links)
A indústria de seguros é uma atividade econômica relativamente jovem, possuindo raízes na revolução industrial. O desenvolvimento dessa indústria ocorreu de forma bastante intensa durante o século passado, quando a atividade passou a ser inserida na área de gestão de riscos. As Companhias de Seguros que trabalham nesse ambiente de negócio fundamentam todo o processo de precificação dos seus produtos em rígidas bases técnicas e atuariais. O presente trabalho dedica-se ao estudo dessas questões, abordando especificamente os seguros de vida, com ênfase à cobertura de morte. A pesquisa tem por objetivo comparar duas modalidades distintas de seguros que são ofertadas ao mercado: o seguro de vida individual e o seguro de vida em grupo. Embora ofereçam aos consumidores coberturas bastante similares, ambas as modalidades devem obedecer a requisitos e princípios técnicos diferenciados por parte das instituições que fazem a sua gestão. / The insurance industry is a relatively young economic activity; its bases are found in the industrial revolution. The development of such industry occurred in a very intense way in the last century, when the activity started being placed in the area of management of risks. The insurance companies that work in this business environment base the whole pricing process of their products on rigid technical and actuarial bases. The present work aims at studying these questions, focusing on the life insurance, with emphasis on the death coverage. The research intends to explore and compare two distinct modalities of insurance that are offered to the market: the individual life insurance and the group life insurance. Even though they offer similar coverage, they must fulfill requirements and different technical principles ruled by the institutions which are responsible for their management.
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Fundamentação técnica e atuarial dos seguros de vida : um estudo comparativo entre o seguro de vida individual e o seguro de vida em grupo no BrasilGuimarães, Sérgio Rangel January 2003 (has links)
A indústria de seguros é uma atividade econômica relativamente jovem, possuindo raízes na revolução industrial. O desenvolvimento dessa indústria ocorreu de forma bastante intensa durante o século passado, quando a atividade passou a ser inserida na área de gestão de riscos. As Companhias de Seguros que trabalham nesse ambiente de negócio fundamentam todo o processo de precificação dos seus produtos em rígidas bases técnicas e atuariais. O presente trabalho dedica-se ao estudo dessas questões, abordando especificamente os seguros de vida, com ênfase à cobertura de morte. A pesquisa tem por objetivo comparar duas modalidades distintas de seguros que são ofertadas ao mercado: o seguro de vida individual e o seguro de vida em grupo. Embora ofereçam aos consumidores coberturas bastante similares, ambas as modalidades devem obedecer a requisitos e princípios técnicos diferenciados por parte das instituições que fazem a sua gestão. / The insurance industry is a relatively young economic activity; its bases are found in the industrial revolution. The development of such industry occurred in a very intense way in the last century, when the activity started being placed in the area of management of risks. The insurance companies that work in this business environment base the whole pricing process of their products on rigid technical and actuarial bases. The present work aims at studying these questions, focusing on the life insurance, with emphasis on the death coverage. The research intends to explore and compare two distinct modalities of insurance that are offered to the market: the individual life insurance and the group life insurance. Even though they offer similar coverage, they must fulfill requirements and different technical principles ruled by the institutions which are responsible for their management.
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Fundamentação técnica e atuarial dos seguros de vida : um estudo comparativo entre o seguro de vida individual e o seguro de vida em grupo no BrasilGuimarães, Sérgio Rangel January 2003 (has links)
A indústria de seguros é uma atividade econômica relativamente jovem, possuindo raízes na revolução industrial. O desenvolvimento dessa indústria ocorreu de forma bastante intensa durante o século passado, quando a atividade passou a ser inserida na área de gestão de riscos. As Companhias de Seguros que trabalham nesse ambiente de negócio fundamentam todo o processo de precificação dos seus produtos em rígidas bases técnicas e atuariais. O presente trabalho dedica-se ao estudo dessas questões, abordando especificamente os seguros de vida, com ênfase à cobertura de morte. A pesquisa tem por objetivo comparar duas modalidades distintas de seguros que são ofertadas ao mercado: o seguro de vida individual e o seguro de vida em grupo. Embora ofereçam aos consumidores coberturas bastante similares, ambas as modalidades devem obedecer a requisitos e princípios técnicos diferenciados por parte das instituições que fazem a sua gestão. / The insurance industry is a relatively young economic activity; its bases are found in the industrial revolution. The development of such industry occurred in a very intense way in the last century, when the activity started being placed in the area of management of risks. The insurance companies that work in this business environment base the whole pricing process of their products on rigid technical and actuarial bases. The present work aims at studying these questions, focusing on the life insurance, with emphasis on the death coverage. The research intends to explore and compare two distinct modalities of insurance that are offered to the market: the individual life insurance and the group life insurance. Even though they offer similar coverage, they must fulfill requirements and different technical principles ruled by the institutions which are responsible for their management.
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Životní pojištění v České republice / Life Insurance in Czech RepublicVALKOVÁ, Jana January 2007 (has links)
Dissertation is engaged in the sphere of life insurance as a product of insurance business and banking. This work demonstrates the significance of life insurance and describes types of life insurance and analyzes co-temporary development of these products. There is a review of the market in Czech Republic. The own research focused on the comparison of the offer of term assurances of particular insurers is the important part of the thesis. Finally is the recommendation for the expansion of this type of insurance included.
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Le contrat d'assurance vie en droit comparé franco-marocain / The life insurance contract in comparative law Franco-MoroccanElhabbouli, Hicham 09 March 2015 (has links)
L’assurance-vie est le placement préféré des français. A cette activité de masse se pose un problème fondamental, celui de la comptabilité des règles juridiques, techniques et fiscaux applicables au contrat d’assurance-vie avec les besoins de protection des consommateurs d’assurance. Par contre au Maroc, nombreux sont les marocains qui ne peuvent pas s’offrir ce contrat, pour diverses raisons: économiques, sociales ou religieuses. Cette étude ambitionne de transcender le simple champ du droit, et tenir compte des aspects sociaux, techniques, économiques et fiscaux liés au contrat d’assurance-vie en France et au Maroc. L’objectif visé étant d’observer les lacunes et partant réfléchir sur les pistes d’amélioration à introduire au droit marocain. / Life insurance is the preferred placement of French. At that mass activity is a fundamental problem, the accounting of legal rules, technical and tax applicable to life insurance contracts with the insurance needs of consumer protection. By cons in Morocco, many Moroccans who can not afford this contract, for various reasons: economic, social or religious. This study aims to transcend the mere field of law, and take into account social, technical, economic and tax-related life insurance contract in France and Morocco. The objective is to observe the gaps and hence reflect on ways of improving the introduction to Moroccan law.
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Vybrané aspekty investičného životného poistenia / Selected aspects of variable life insuranceKrajčovič, Michal January 2009 (has links)
The subject of this thesis is the analysis of unit linked insurance in the insurance market of Czech Republic. United linked insurance is presented as a successful combination of risks coverage and savings unit. We are talking about mixed insurance in case of death or survival exact age with single or normal insurance premium, where the size of indemnity depends on yields from investments. It is very complicated insurance product with many benefits and disadvantages. The thesis is divided into more chapters. The first chapter is devoted to determination of the concept and classification of unit linked insurance. In the second one I describe the situation and development trends in the field of unit linked insurance in Czech insurance market. Further chapters involve specific aspects and problems of the product, actual situation in regard of financial crisis and anticipated future development.
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Komparace produktů pojišťoven / Comparison of insurance productsUllrych, Radek January 2013 (has links)
The diploma thesis deals with the issues of life insurance. The aim is to compare life insurance products in the insurance market in the Czech Republic. Structure of the thesis is divided into theoretical and practical part. The theoretical section first summarizes the fundamental terms that are used in the insurance sector, describes the entities in the Czech insurance market and seeks to track down its recent development. The subjects of the descriptive part are also various forms of life insurance together with detailed description of their advantages and disadvantages. Last theoretical chapter evaluates the impact of the introduction of UNISEX rates into life insurance. The practical section is divided into several parts and the thesis analyzes investment life insurance products in deep details. Competing products are later compared on practical model cases among themselves. The conclusion brings an overall summary and assessment of the results.
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Aktuální změny na českém pojistném trhu a jejich odraz v ratingovém hodnocení / Current changes in the Czech insurance market and their reflection in the ratingKloudová, Šárka January 2012 (has links)
This thesis deals with changes in the Czech insurance market, especially in view of the consequences of the financial crisis, which caused a lot of changes. In this part of thesis is analyzed the price war, anti-discrimination directives and other important events. The following section is devoted to rating and both generally - term rating, description, rating process and rating of selected insurance companies. Specifically Česká pojišťovna a.s. and ČSOB pojišťovna a.s. and its changes over time. Then attention is focused on the development of regulation of rating agencies and the end of the work is devoted to future prognosis of the life and non-life insurance.
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Problematika životního pojištění pracovníků vybraného podnikatelského subjektu / Problems of life insurance of employees in the selected companySýsová, Veronika January 2008 (has links)
This Master's thesis is engaged in questions of the life insurance. It is analyzing the current state of the employee's insurance of the selected business subject and include proposals of insurance products from the area of life insurance and recommendations for their selection.
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