iindleko ze-inshorensi yenjongosenzi zigqitywa yenkqubo efana izibalo actuarial. usebenzisa nje kwaye ibalwa iindleko iinkonzo kwinkampani ye-inshorensi, kwakunye iminikelo ihlawulwe insured. Kwaye ngoko ke musa oludale ekuthini nto ngakumbi, bekuya kuba mnandi ukuqonda ukuphumeza indlela izibalo actuarial-inshorensi.
Okokuqala, siya Sigxininisa ukuba ubudlelwane phakathi kwe-inshorensi kunye ngeInshorensi zisekelwe inkqubo yemithetho manani kunye lwezibalo ndakubumba ngokwembali. Insurance ubalo lwenziwa usebenzisa ifomula ezikhethekileyo zezibalo ezibonisa indlela nokwanda inkcitho -mali reserve ka-inshorensi ekuhambeni kwexesha. Oku kusebenza ngokukodwa kwi-inshorensi yobomi. Noko ke, ngengqiqo ebanzi izibalo Actuarial singasebenza naluphi na uhlobo ukhuseleko ukumisela iirhafu phantsi kweemeko ezithile. Nabo kananjalo ibalwa, yaye isabelo-inshorensi nganye ekudalweni-mali eza kugcinwa, ie ngayo umahluko of neerhafu kwi kwishishini inshorensi.
Ke igama elithi "izibalo Actuarial", weza evela igama msebenzi. Ingcali (ukusuka Latin "actuarmus" -. "Accountant") - uphinda abe ojongana kuphuhliso lwemathematika kunye neendlela manani ukuba solinganiso koovimba ezifunekayo, mboleko neekhredithi. Aba bantu basombulula iingxaki, ezo ngokufuthi inshorensi siya "actuarial".
ukubala Actuarial kunye nezikhokelo kuqala ingqalelo kumsebenzi izazinzulu kwenkulungwane ye-17: E. Halley, Yana De Witt, D. Graunt. Kwincwadi yakhe Graunt wafunda leebhulethini lokusweleka kunye Witt wacinga ubungakanani ukumiselwa iipremiyamu , ngokuxhomekeke kwimigaqo lokukhula imali kunye nobudala insured. Uphuhliso ngakumbi izibalo actuarial zifunyenwe e Halley, itheyibhile kabani ukufa kusetyenziswa ngexesha lethu.
Imida zilandelayo zisetyenziselwa Ungabala udibaniso: nezihlandlo ingenzeka kweziganeko inshorensi, 'ngumlingani ka cumulation yelahleko risk ratio namatyeli yayo. Ekusebenzeni nabo basoloko manani inshorensi, kwakunye eshwankathela izikhombisi eziphawula lweerhafu kwishishini inshorensi xa iyonke.
Okokugqibela, kufanele kuqatshelwe ukuba nokuzimisela lweerhafu inshorensi yenye yeengxaki entsonkothileyo futhi impikiswano ezifuna ingqalelo kwi-inshorensi. Ngoko ke, iingcali kule ndawo kufuneka afune ukusebenzisa lunempumelelo mihla ubuchwepheshe be-computer, amanani nakwimathematika. I-inshorensi yakho futhi ezisebenzisa iindlela ezininzi ezahlukeneyo, kuba kunjalo kuqala, umonakalo ziya, umzekelo, bajonge iidemografi, kwaye le yesibini yona ayinamsebenzi. Ngoko, kwi-inshorensi lobuqu ukuze kubalwe iirhafu net esebenzisa iitafile ezizodwa kweminyaka yokuphila nokufa, yaye lo mhlaba - netafile izinga lokubuya kolu shishino.