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A mortality & longevity study : the portuguese case
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Este trabalho foi desenvolvido com três objetivos principais: (i) fazer o survey da situação atual, no que diz respeito à mortalidade/longevidade no nosso país; (ii) desenvolver um estudo breve sobre os progressos registados na mortalidade em Portugal, com base num projeto semelhante apresentado por Assia Billing, no encontro da Primavera do Mortality Working Group da International Actuarial Association (Berlim, 2018) - grupo que se dedica ao estudo da mortalidade a nível mundial, dando particular atenção ao impacto que esta tem sobre o sector segurador, nomeadamente o ramo de Vida e Pensões; (iii) servir como suporte ao primeiro Country Report português, a ser divulgado pelo Mortality Working Group.
No decorrer do trabalho, e tendo em vista os três objetivos estabelecidos, irão ser primeiramente analisados indicadores demográficos, como a evolução da população residente portuguesa, a sua pirâmide populacional, o índice de envelhecimento e a esperança de vida.
Numa segunda parte, o foco incidirá sobre o sector segurador português, com a análise de indicadores como a produção ou a composição dos portfolios de investimento. Seguidamente, faz-se a análise dos produtos mais vendidos em Portugal, por tipo de contrato. No que diz respeito às tábuas de mortalidade, merecem destaque as que são publicadas anualmente pelo INE, bem como as que são mais utilizadas nas seguradoras que operam no território nacional.
Finalmente, desenvolver-se-á a análise dos progressos registados mais recentemente a nível da mortalidade no país, na senda de estudos similares desenvolvidos para outros países.
This work was developed with three main objectives: (i) to survey the current situation, regarding mortality/longevity in Portugal; (ii) to develop a brief study on the progress of mortality in the country, based on a similar project presented by Assia Billing in the Spring Meeting (Berlin 2018) of the International Actuary Association Mortality Working Group ? a group that is dedicated to the study of mortality worldwide, paying particular attention to the impact it has on the insurance sector, namely on Life and Pensions ; (iii) to serve as support for the first Portuguese Country Report to be released by the Mortality Working Group,. In the course of the study, demographic indicators, such as the evolution of the Portuguese resident population, the population pyramid, the aging index and the life expectancy, will be analyzed first. Then, the focus will be set on the Portuguese insurance sector, with the analysis of indicators such as the production or the composition of investment portfolios. Next, we analyze Portugal?s mostly sold insurance products, by type of contract. Regarding the mortality tables, it is worth mentioning those published annually by INE, as well as those that are most used by insurers operating in the national territory. Finally, an analysis of the most recent progress in mortality in the country will be performed, following similar studies developed for other countries.
This work was developed with three main objectives: (i) to survey the current situation, regarding mortality/longevity in Portugal; (ii) to develop a brief study on the progress of mortality in the country, based on a similar project presented by Assia Billing in the Spring Meeting (Berlin 2018) of the International Actuary Association Mortality Working Group ? a group that is dedicated to the study of mortality worldwide, paying particular attention to the impact it has on the insurance sector, namely on Life and Pensions ; (iii) to serve as support for the first Portuguese Country Report to be released by the Mortality Working Group,. In the course of the study, demographic indicators, such as the evolution of the Portuguese resident population, the population pyramid, the aging index and the life expectancy, will be analyzed first. Then, the focus will be set on the Portuguese insurance sector, with the analysis of indicators such as the production or the composition of investment portfolios. Next, we analyze Portugal?s mostly sold insurance products, by type of contract. Regarding the mortality tables, it is worth mentioning those published annually by INE, as well as those that are most used by insurers operating in the national territory. Finally, an analysis of the most recent progress in mortality in the country will be performed, following similar studies developed for other countries.
Descrição
Mestrado em Actuarial Science
Palavras-chave
Portugal Mortalidade Longevidade Solvência II Tipos de Contratos Investimentos Mortality Longevity Solvency II Retail Longevity Protection Life Investments
Contexto Educativo
Citação
Correia, Tiago José Faria (2018). "A mortality & longevity study : the portuguese case". Dissertação de Mestrado, Universidade de Lisboa. Instituto Superior de Economia e Gestão.
Editora
Instituto Superior de Economia e Gestão