library(magrittr)
library(MortalityTables)
library(LifeInsuranceContracts)
mortalityTables.load("Austria_Census")
Tarif.L71U = InsuranceTarif$new(
name = "L71-U",
type = "wholelife",
tarif = "DeathPlus - Short Term Life Insurance",
desc = "Term Life insurance (5 years) with constant sum insured and regular premiums",
policyPeriod = 5, premiumPeriod = 5, # premiumPeriod not needed, defaults to maturity
mortalityTable = mortalityTable.mixed(
table1 = mort.AT.census.2011.male, weight1 = 0.65,
table2 = mort.AT.census.2011.female, weight2 = 0.35
),
i = 0.005,
tax = 0.04,
costs = initializeCosts(alpha = 0.05, gamma = 0.01, gamma.paidUp = 0.01, unitcosts = 10),
surrenderValueCalculation = function(surrenderReserve, params, values) {
surrenderReserve * 0.9
}
);
contract.L71U = InsuranceContract$new(
Tarif.L71U,
age = 35,
contractClosing = as.Date("2020-08-18"),
sumInsured = 100000);
contract.L71U$Values$premiums
contract.L71U$Values$reserves
contract.L71U = contract.L71U$premiumWaiver(t = 3)
contract.L71U$Values$reserves
contract.L71U$Values$premiumCoefficients
exportInsuranceContract.xlsx(contract.L71U, "L71U.xlsx")
openXL("L71U.xlsx")
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