BR-EMS 2021 life table for the Brazilian insured population
Abstract This article presents the Brazilian private insurance market’s actuarial life tables, BR- EMS 2021. Using Bayesian inference on the parameters of the Heligman- Pollard law of mortality and data from 23 insurance groups over 15 years, totaling 3.5 billion registers, the data were corrected t...
| Main Authors: | , , , , , , , , , , , |
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| Format: | Article |
| Language: | English |
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Associação Brasileira de Estudos Populacionais
2023-12-01
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| Series: | Revista Brasileira de Estudos de População |
| Subjects: | |
| Online Access: | http://www.scielo.br/scielo.php?script=sci_arttext&pid=S0102-30982023000100174&lng=en&tlng=en |
| _version_ | 1797394286997667840 |
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| author | Mario de Oliveira Ana Carolina Soares Bertho Bruno Costa Flávia Sommerlatte Silva Mariane Branco Alves Milton Ramos Ramirez Rafael Brandão de Rezende Borges Reinaldo Marques Ricardo Martins da Silva Rosa Rodrigo Lima Peregrino Viviana das Graças Ribeiro Lobo Thais Cristina Oliveira Fonseca |
| author_facet | Mario de Oliveira Ana Carolina Soares Bertho Bruno Costa Flávia Sommerlatte Silva Mariane Branco Alves Milton Ramos Ramirez Rafael Brandão de Rezende Borges Reinaldo Marques Ricardo Martins da Silva Rosa Rodrigo Lima Peregrino Viviana das Graças Ribeiro Lobo Thais Cristina Oliveira Fonseca |
| author_sort | Mario de Oliveira |
| collection | DOAJ |
| description | Abstract This article presents the Brazilian private insurance market’s actuarial life tables, BR- EMS 2021. Using Bayesian inference on the parameters of the Heligman- Pollard law of mortality and data from 23 insurance groups over 15 years, totaling 3.5 billion registers, the data were corrected through a two hidden-layer neural network. The resulting tables show that the insured population exhibits lower mortality rates than the general Brazilian population, even lower than the national populations of well-developed countries such as the USA. Moreover, besides the expected gender gap in mortality rates, there is a clear distance between the death and survivorship insurance coverage groups. Likewise, the insured population characteristics mitigate well-known regional structural discrepancies in the Brazilian population, indicating that being part of the selected population of insured individuals is thus associated with a more effective protection against death than other outstanding factors such as geographic region of residence. |
| first_indexed | 2024-03-09T00:17:26Z |
| format | Article |
| id | doaj.art-94556f50de5446a1be44b29b7da19290 |
| institution | Directory Open Access Journal |
| issn | 1980-5519 |
| language | English |
| last_indexed | 2024-03-09T00:17:26Z |
| publishDate | 2023-12-01 |
| publisher | Associação Brasileira de Estudos Populacionais |
| record_format | Article |
| series | Revista Brasileira de Estudos de População |
| spelling | doaj.art-94556f50de5446a1be44b29b7da192902023-12-12T07:51:00ZengAssociação Brasileira de Estudos PopulacionaisRevista Brasileira de Estudos de População1980-55192023-12-014010.20947/s0102-3098a0252BR-EMS 2021 life table for the Brazilian insured populationMario de Oliveirahttps://orcid.org/0009-0005-8446-8237Ana Carolina Soares Berthohttps://orcid.org/0000-0003-4822-1948Bruno Costahttps://orcid.org/0009-0004-1740-3380Flávia Sommerlatte Silvahttps://orcid.org/0000-0002-3301-6274Mariane Branco Alveshttps://orcid.org/0000-0002-2489-9300Milton Ramos Ramirezhttps://orcid.org/0000-0003-0367-5305Rafael Brandão de Rezende Borgeshttps://orcid.org/0000-0002-2576-8118Reinaldo Marqueshttps://orcid.org/0000-0001-9714-6740Ricardo Martins da Silva Rosahttps://orcid.org/0000-0001-9808-9936Rodrigo Lima Peregrinohttps://orcid.org/0009-0008-6834-6493Viviana das Graças Ribeiro Lobohttps://orcid.org/0000-0002-4076-8327Thais Cristina Oliveira Fonsecahttps://orcid.org/0000-0002-4943-3259Abstract This article presents the Brazilian private insurance market’s actuarial life tables, BR- EMS 2021. Using Bayesian inference on the parameters of the Heligman- Pollard law of mortality and data from 23 insurance groups over 15 years, totaling 3.5 billion registers, the data were corrected through a two hidden-layer neural network. The resulting tables show that the insured population exhibits lower mortality rates than the general Brazilian population, even lower than the national populations of well-developed countries such as the USA. Moreover, besides the expected gender gap in mortality rates, there is a clear distance between the death and survivorship insurance coverage groups. Likewise, the insured population characteristics mitigate well-known regional structural discrepancies in the Brazilian population, indicating that being part of the selected population of insured individuals is thus associated with a more effective protection against death than other outstanding factors such as geographic region of residence.http://www.scielo.br/scielo.php?script=sci_arttext&pid=S0102-30982023000100174&lng=en&tlng=enActuarial life tablesDeath and survivorship coveragesMortality graduationHeligman-Pollard model |
| spellingShingle | Mario de Oliveira Ana Carolina Soares Bertho Bruno Costa Flávia Sommerlatte Silva Mariane Branco Alves Milton Ramos Ramirez Rafael Brandão de Rezende Borges Reinaldo Marques Ricardo Martins da Silva Rosa Rodrigo Lima Peregrino Viviana das Graças Ribeiro Lobo Thais Cristina Oliveira Fonseca BR-EMS 2021 life table for the Brazilian insured population Revista Brasileira de Estudos de População Actuarial life tables Death and survivorship coverages Mortality graduation Heligman-Pollard model |
| title | BR-EMS 2021 life table for the Brazilian insured population |
| title_full | BR-EMS 2021 life table for the Brazilian insured population |
| title_fullStr | BR-EMS 2021 life table for the Brazilian insured population |
| title_full_unstemmed | BR-EMS 2021 life table for the Brazilian insured population |
| title_short | BR-EMS 2021 life table for the Brazilian insured population |
| title_sort | br ems 2021 life table for the brazilian insured population |
| topic | Actuarial life tables Death and survivorship coverages Mortality graduation Heligman-Pollard model |
| url | http://www.scielo.br/scielo.php?script=sci_arttext&pid=S0102-30982023000100174&lng=en&tlng=en |
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