tests/testthat/test-CF-TermeFixe.R

In LifeInsureR: Modelling Traditional Life Insurance Contracts

test_that("Termfix Cash Flows", {
    library(MortalityTables)
    mortalityTables.load("Austria_Census")

    Tarif.Termfix = InsuranceTarif$new(
        name = "Example Tariff - Terme Fixe",
        type = "terme-fix",
        tarif = "TF",
        desc = "A termfix insurance with regular premiums",

        mortalityTable = mort.AT.census.2011.unisex,
        i = 0.005
    )
    Contract.Termfix = InsuranceContract$new(
        tarif = Tarif.Termfix,
        age = 40, policyPeriod = 20,
        sumInsured = 10000,
        contractClosing = as.Date("2020-09-01"),
        calculate = "cashflows"
    )
    expect_equal(Contract.Termfix$Parameters$ContractData$policyPeriod, 20)
    expect_equal(Contract.Termfix$Parameters$ContractData$deferralPeriod, 0)
    expect_equal(Contract.Termfix$Parameters$ContractData$premiumPeriod, 20)


    expect_true(all(Contract.Termfix$Values$cashFlows %>% select(-premiums_advance, -guaranteed_advance) == 0))

    expect_equal(Contract.Termfix$Values$cashFlows$premiums_advance, c(rep(1, 20), 0))
    expect_equal(Contract.Termfix$Values$cashFlows$guaranteed_advance, c(rep(0, 20), 1))
})