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حسابداری و مالی::
ارزش تسویه بیمه عمر
• Life Settlements Value (LSV), dealing price offered by the providers.
Deloitte & Connecticut (2005) conducted a comprehensive actuarial analysis of the Life Settlements industry to explore the gap between the Life Settlements Value (LSV) and the Intrinsic Economic Value (IEV).
The actuarial valuation and probabilistic analysis of selected samples show that the IEV / LSV ratio ranges from 113% to 165% and the realised IEV when the policyholder dies will probably exceed the LSV.
A more impressive empirical analysis of Deloitte & Connecticut (2005) shows that the gap between LSV and IEV due to the transaction costs ranges from 50% to 67% of a policy's economic value, which is significantly higher than that of any other asset type (see Figure 26).
(2008), the agent commission fees are as high as 17% of LSV.
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