Multiple life insurance

V magistrskem delu so obravnavane nekatere formule za izračun zavarovanj na več življenj. Predstavljene so osnove verjetnostnega in obrestnoobrestnega računa, ki so potrebne za razumevanje nadaljnje snovi. Opisana so zavarovanja in rente na eno življenje. Le-ta so potrebna za lažjo izpeljavo zavarovanj in rent na več življenj, ki sledijo v nadaljevanju. Zavarovanja in rente so bolj podrobno obravnavana za dve življenji in za dva statusa. To sta status skupnega življenja in status zadnjega preživelega. Večina zavarovanj in rent se obravnava v primeru neodvisne bodoče življenjske dobe. V magistrskem delu sta predstavljena dva načina, s katerima zapišemo modele z odvisnimi naključnimi spremenljivkami. Predstavljene so posebne oblike zavarovanj in rent ter izračun le-teh glede na posebne domneve umrljivosti.This master thesis deals with some formulas for calculations of insurances for multiple lives. Basics of probability and compound basis are presented for further understanding of the matter. Insurance and annuities for one life are described which are needed to facilitate the derivation of insurance and annuities of more lives. Insurance and annuities for two lives and two statuses are dealt in detail. These are the status of joint life and the status of the last survivor. Most insurance and annuities are treated in the event of a random future lifetime variables. The thesis presents two ways of writing models with dependent random variables. It also presents special forms of insurance and annuities as well as the calculation depending on the specific assumptions of mortality