Jochen Ruß

Enhanced annuities and the impact of individual underwriting on an insurer’s profit situation (2008)

Gudrun Hoermann, Jochen Ruß

We analyze the effect of enhanced annuities on an insurer engaging in individual underwriting. We use a frailty model for the heterogeneity of the insured population and model the individual...

Auswirkungen von Enhanced Annuities auf den Bestand eines Versicherers (2007)

Gudrun Hoermann, Jochen Ruß

Das Preis-Leistungs-Verhältnis herkömmlicher Rentenversicherungen steigt mit der Lebenserwartung des Versicherten. Derartige Produkte sind damit nur für Personen mit relativ hoher Lebenserwartung...

The Impact of Surplus Distribution on the Risk Exposure of With Profit Life Insurance Policies Including Interest Rate Guarantees (2006)

Kling, Alexander, Richter, Andreas, Ruß, Jochen

This paper analyzes the numerical impact of different surplus distribution mechanisms on the risk exposure of a life insurance company selling with profit life insurance policies with a cliquet-style...

The Impact of Surplus Distribution on the Risk Exposure of With Profit Life Insurance Policies Including Interest Rate Guarantees

Kling, Alexander, Richter, Andreas, Ruß, Jochen

This paper analyzes the numerical impact of different surplus distribution mechanisms on the risk exposure of a life insurance company selling with profit life insurance policies with a cliquet-style...

Enhanced annuities and the impact of individual underwriting on an insurer's profit situation

Hoermann, Gudrun, Ruß, Jochen

We analyze the effect of enhanced annuities on an insurer engaging in individual underwriting. We use a frailty model for heterogeneity of the insured population and model individual underwriting by...

The Impact of Surplus Distribution on the Risk Exposure of With Profit Life Insurance Policies Including Interest Rate Guarantees

Alexander Kling, Andreas Richter, Jochen Ruß

This article analyzes the numerical impact of different surplus distribution mechanisms on the risk exposure of a life insurance company selling with profit life insurance policies with a...