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References in periodicals archive ?
We call this the adiabatic lapse rate. In a dry atmosphere this is about 5.4 degrees F per 1000 feet.
Our research differs from the existing literature on optimal policyholder behavior within VAs in that we not only describe optimal lapse rates and determine the fair guarantee fee, but also analyze and contrast the impact of various product features on lapse rates, fair fee, and the products' respective values to the policyholder.
Where the interior lapse rate line crosses the exterior lapse rate line, the pressure inside equals the pressure outside.
Similarly, as insurers expected 5% or Higher lapse rates and only got 1% to 2%, insurers have also suffered as interest rates have dropped from more than 5% down to the 1% to 2% range.
The temperature regimes of the high- and low-elevation regions of the ice cap can become partially decoupled in years of low melt, and more closely related in years of high melt: years of low melt correspond with steeper air temperature lapse rates across the ice cap, while high melt years produce shallower rates (Wang et al., 2005).
The lapse rate on life policies has traditionally been one of the central parameters in the managerial framework for life insurers.
Precise data on vertical rainfall distribution, temperature lapse rate, and the altitude of the temperature inversion on the windward slope exist for this oceanic wet tropical mountain (Blumenstock 1961, Kitayama and Mueller-Dombois 1994).
Lapse rate is the change of temperature with a change of altitude, and the average is about 2 degrees C per 1000 feet.
An incorrect hypothesis on the lapse rate could have a strong impact on the sustainability of the VA market and insurers' financial stability.
The actuaries assume 2% of the purchasers would let a policy lapse in the first year, and that the maximum lapse rate in a year would be 4.3%, in the third policy year.