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Market value of life insurance contracts under stochastic interest rates and default risk
Working paper   Open access

Market value of life insurance contracts under stochastic interest rates and default risk

Carole Bernard, Olivier Le Courtois and François Quittard-Pinon
Cahiers de recherche, 2005/01, EM Lyon
11/01/2005

Abstract

Participating Life Insurance Policies Contingent Claims Valuation Default Risk Stochastic Interest Rates Fortet’s Equation
The purpose of this article is to value some life insurance con-tracts in a stochastic interest rate environment taking into account the defaultrisk of the underlying insurance company. The participating life insurance con-tracts considered here can be expressed as portfolios of barrier options as shownby Grosen and Jørgensen [1997]. In order to price these options, the Longstaffand Schwartz [1995] methodology is used with the Collin-Dufresne and Gold-stein [2001] correction.
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