Disruption of Life Insurance Profitability in the Aftermath of the COVID-19 Pandemic

被引：6

作者：

Carannante, Maria ^{[1
]}

D'Amato, Valeria ^{[1
]}

Fersini, Paola ^{[2
]}

Forte, Salvatore ^{[3
]}

Melisi, Giuseppe ^{[4
]}

机构：

[1] Univ Salerno, Dept Pharm, Via Giovanni Paolo II, I-84084 Fisciano, Italy

[2] Luiss Guido Carli, Dept Business & Management, Viale Romania 32, I-00197 Rome, Italy

[3] Giustino Fortunato Univ, Fac Law, Via Raffaele Delcogliano, I-82100 Benevento, Italy

[4] Univ Sannio, Dept Law Econ Management & Quantitat Methods, Piazza Guerrazzi, I-82100 Benevento, Italy

来源：

RISKS | 2022年 / 10卷 / 02期

关键词：

SCR; profitability; annuity; mortality projections;

D O I：

10.3390/risks10020040

中图分类号：

F8 [财政、金融];

学科分类号：

0202 ;

摘要：

Life insurance profitability depends on reliable mortality risk projections and pricing. While the COVID-19 pandemic has caused disruptions around the world, this is a temporary mortality shock likely to dissipate. In this paper, we investigate the long-run impact of COVID-19 on life insurance profitability. Due to the long-run dynamics of the mortality characterised by a decreasing effect of the COVID-19 mortality acceleration, we suggest proactive mortality risk management by implementing prompt premium adjustments, in order to increase the resilience of the business.

引用

页数：16

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