Influence of different factors in determing premiums for life insurances

V magistrskem delu so obravnavane osnove življenjskih zavarovanj in različni dejavniki, ki vplivajo na izračun premije. Delo je razdeljeno na dva dela, na teoretični in praktični del. V teoretičnem delu so najprej opisane osnovne definicije iz verjetnosti in statistike. Predstavljen je denarni tok in obresti ter aktuarska sedanja vrednost. Opisana je tudi matematična rezervacija in njen izračun, saj je pomemben del življenjskih zavarovanj. Predstavljene so osnovne definicije tablic smrtnosti in osnove življenjskih zavarovanj. Opisan je izračun neto in bruto premije za različna zavarovanja ter različni dejavniki, ki vplivajo na višino premije. V praktičnem delu se ukvarjamo z izračunom premije. Le-ta je izračunana za različne vrste zavarovanj. Priložen je tudi program v Pythonu, ki izračuna neto premijo za poljubno število polic. S tem programom je izračunana tudi neto premija za 1000 zgeneriranih polic riziko življenjskega zavarovanja.The basics of life insurance and factors that have influence on the calculation of premium are discussed in the master thesis. It is divided into two parts, theoretical and practical. The theoretical part presents basic definition of probability and statistics. Cashflows, interest rates and the actuarial present value are presented. Technical provision and it\u27s calculation are also discussed, because they are a big part of life insurances. It also presents basic definitions of life tables and basics of life insurances. The calculation of net and gross premium for different types of life insurances and also multiple decrement models is described. In practical part the calculation of premium is made. Premium is calculated for different types of life insurances. The program for calculating premium in Python is also included, which is used for calculating net premium for $1000$ generated insurance policies of term life insurance