Geri Dön

Günümüz Türkiye'sinde can sigortaları ve kar payı uygulamaları

Başlık çevirisi mevcut değil.

PDF İndir

  1. Tez No: 36839
  2. Yazar: MESUT YETİŞKUL
  3. Danışmanlar: PROF. DR. FAHİMAN TEKİL
  4. Tez Türü: Yüksek Lisans
  5. Konular: Sigortacılık, Insurance
  6. Anahtar Kelimeler: Belirtilmemiş.
  7. Yıl: 1994
  8. Dil: Türkçe
  9. Üniversite: Marmara Üniversitesi
  10. Enstitü: Sosyal Bilimler Enstitüsü
  11. Ana Bilim Dalı: Belirtilmemiş.
  12. Bilim Dalı: Belirtilmemiş.
  13. Sayfa Sayısı: 139

Özet

Özet yok.

Özet (Çeviri)

T.R. MARMARA UNIVERSITY BANKING AND INSURANCE INSTITUTION INSURANCE DEPARTMENT LIFE INSURANCE AND PROFIT SHARE APPLICATIONS IN PRESENT TURKEY MASTER THESIS Supervisor Prof.Dr. Fahiman Tekil Prepared by Mesut Yetişkul İSTANBUL -1994CONTENTS INTRODUCTION 1. DEATH BENEFIT INSURANCES 1 1.1. SINGLE PREMIUM PAYMENT 1 1.2. INSTALLMENT PAYMENT 3 1.2.1. Installment Payment Factor ax:n 3 1.2.2. Installments at Death Benefit Insurances 3 1.2.3.Effect of Technical Interest on Installment 5 2. LIFE BENEFIT INSURANCES 13 2.1. DIFERE INSURANCE 13 2.1.1.Difere Insurance with Premium Return 14 2.2. ENDOWMENT INSURANCE 14 2.2.1. Endowment Insurance with Increasing Capital 15 2.2.2. Endowment Insurance with Profit Share 16 2.3. BANK SAVING INSURANCES 16 3. PROBLEMS AND SUGGESTED SOLUTIONS IN PROFIT SHARE APPLICATIONS AT NOWADAYS TURKEY 24 3.1. PRINCIPLES OF PROFIT SHARE DISTRIBUTION 24 3. 1.1. Problems of Having Income 25 3.1.1.1. Blockage Date of Mathematical Reserves 25 3.1.1.2. Reinvestment Time of Accured Income 25 3.1.1.3. Investment Types 25 3.1.1.4. Minimum Income Rate 26 3. 1.1. 5. Announcement of Income Rate 26 3.1.1.6. Effect of Premium Increase on Maturity Capital 26 3. 1.2. Distribution Principles 27 3.1.2.1. The System Where the Profit Share Amount is Added to Amount of Accumulated Money 27 3. 1.2.2. The System Which Provide Formation of Additional Capital by Accepting Profit Share Amount as Single Premium in Endowment Insurance 28 3.2. SUGGESTED SOLUTIONS 42 3.2.1. Suggested Solution 1: Calculation of Mathematical reserve in 3 Months Period 42 3.2.2. Suggested Solution 2: Formation of an Actual Reserves Investment Fund 42 CONCLUTIONINTRODUCTION Life insurance is a kind insurance which takes measure for some risks that will occur, in persons future and subject to persons life. It is possible to divide life insurance into two, as death and life benefit insurances by the view of benefit. The aim in death benefit insurances, to give some indemnity to benificiary when insured dies, in life benefit insurances to warrant insured's next life period by evaluating small quantities called premium. But it is not give enough results evaluating small saving by a 9% interest rate in our country which has in inflation force. Especially in long term insurances, if the person has not expectations about future will remove from life insurance and by increasing this kind of persons a huge part of people are effected in negatively. it takes long term to clean negative opinion from people. Therefore some regulations must be made in life insurance as soon as possible. Insurance companies look from their side and take into consideration only premium collection which effect company income. In this thesis the application and life insurance of nowadays Turkey is worked in view of insured and insurer. Some problems come arise and some suggestions for solving by taking Laws into consideration. Laws no. 7397 on Supervisioin and Control of insurance Companies give necessary authority to state in position of insureds and sectors benefit. But upo to now, it is easily seen that especially in profit share application, actions that made, aren't enough by the side of insureds.-1- 1. DEATH BENEFIT INSURANCES Death benefit insurances can be considered in three types, which are; 1. Yearly term insurance 2. All life insurance 3. Long term insurance and payment of premiums can be considered as; - Single premium payment - Installment payment 1.1 SINGLE PREMIUM PAYMENT Single premium of yearly term insurance at age x is; -=qx-v (1.1) Dx Single premium of all life insurance is; Mx Cx Cx+1 Cx+2 ^w - = - + + +... + (1.2) Dx Dx Dx Dx Dx = °.x'V + 1 |qX#v2 + 2| In table 2.1, it is possible to see net premiums for 1000 TL face amount and comparison with 1000»vn. For x *t r- O^ 0** OTi 0^ 0^ O“* CP) O*^ D^i O^ O** O** O** CP> D^ 0** 0^ O^ 0** 0* o^18- in ıı o II s* in ıı ^ ? a a a ^ a ^_ a a. a a.? ^a a a jı « ? ?. p ? a ? r O O CQ CQ ^ On m m CQ ^”tç C?J «Q *Q eo K 228saSSGSroSSSS«^BSSSSî in *-4 II az a. eti m ıı 2 2 2 222222!:d^^i2!222223n2gS t*) to f*j ro 1*0 to ro p*5 fo ro ı*o to to ro ro ro ro t*i ro (*“0 ro Po ro ro ro ro po ı*3 po f*> 1*0 to ro ro ro ro t** fo Po ro Po Po oj îu îu oj ? ?. a ? * 11 a ? * t» m 11 ». SS88SSS;SSSS3SaSP£BSSffi2g g[eİBİe[eieiİg|JJJII«J|l!|J|li£i£iâiâ|Slâ^^CONCLUTION The high level of life insurance in developed cuntries shows that it will reach to necessary importance in our country too. This can happen by the need and believing of necessity of life insurance by people. But because of the high level inflation and low technical interest, almost a lot of tariffs so far away from the need of people, therefore people don't give essential importance to life insurance. To come life insurance into consideration as attractive the maturty and indemnity must suitable in nowadays conditions. It is normal for people to disappoinment about to have maturity value in very small ratio about life insurance. Because of this in next periods the obligatory of state and insurance sector come as bigger. Life insurance has a great importance to let it on safe basement which warrant people's future life and forming funds to provide economy. It is not easy to act as a life insurer with known actuarial calculations in countries like have high level inflationrate. To raise technical interest will make companies in hard obligatory conditions and using changable technical interest will be impossible by actuarial side. ”In nowadays Turkey, we can easly see that, companies direct to bank saving insurances to get rid of inflation effect. But if the improment in profit share application is not made, life insurance will come a bad position in the end of insurance period. One of the deficiency in pure death benefit insurances is not giving essential importance in our country life insurance companies. If the companies give essential importance to this insurances, they will take it's results. As aresult, to develop life insurance in our country, which have high inflation rate, they must; prepare new tariffs to get rid of inflation effect, give importance to death benefit insurance, invest to insured's money as soon as possible, and state must take some action in protecting to insured's saving by Insurance Supervisory Law item no 2,12 and 16.CONCLUTION The high level of life insurance in developed cuntries shows that it will reach to necessary importance in our country too. This can happen by the need and believing of necessity of life insurance by people. But because of the high level inflation and low technical interest, almost a lot of tariffs so far away from the need of people, therefore people don't give essential importance to life insurance. To come life insurance into consideration as attractive the maturty and indemnity must suitable in nowadays conditions. It is normal for people to disappoinment about to have maturity value in very small ratio about life insurance. Because of this in next periods the obligatory of state and insurance sector come as bigger. Life insurance has a great importance to let it on safe basement which warrant people's future life and forming funds to provide economy. It is not easy to act as a life insurer with known actuarial calculations in countries like have high level inflationrate. To raise technical interest will make companies in hard obligatory conditions and using changable technical interest will be impossible by actuarial side.“In nowadays Turkey, we can easly see that, companies direct to bank saving insurances to get rid of inflation effect. But if the improment in profit share application is not made, life insurance will come a bad position in the end of insurance period. One of the deficiency in pure death benefit insurances is not giving essential importance in our country life insurance companies. If the companies give essential importance to this insurances, they will take it's results. As aresult, to develop life insurance in our country, which have high inflation rate, they must; prepare new tariffs to get rid of inflation effect, give importance to death benefit insurance, invest to insured's money as soon as possible, and state must take some action in protecting to insured's saving by Insurance Supervisory Law item no 2,12 and 16.18- in ıı o II s* in ıı ^ ? a a a ^ a ^_ a a. a a.? ^a a a jı « ? ?. p ? a ? r O O CQ CQ ^ On m m CQ ^”tç C?J «Q *Q eo K 228saSSGSroSSSS«^BSSSSî in *-4 II az a. eti m ıı 2 2 2 222222!:d^^i2!222223n2gS t*) to f*j ro 1*0 to ro p*5 fo ro ı*o to to ro ro ro ro t*i ro (*“0 ro Po ro ro ro ro po ı*3 po f*> 1*0 to ro ro ro ro t** fo Po ro Po Po oj îu îu oj ? ?. a ? * 11 a ? * t» m 11 ». SS88SSS;SSSS3SaSP£BSSffi2g g[eİBİe[eieiİg|JJJII«J|l!|J|li£i£iâiâ|Slâ^^CONCLUTION The high level of life insurance in developed cuntries shows that it will reach to necessary importance in our country too. This can happen by the need and believing of necessity of life insurance by people. But because of the high level inflation and low technical interest, almost a lot of tariffs so far away from the need of people, therefore people don't give essential importance to life insurance. To come life insurance into consideration as attractive the maturty and indemnity must suitable in nowadays conditions. It is normal for people to disappoinment about to have maturity value in very small ratio about life insurance. Because of this in next periods the obligatory of state and insurance sector come as bigger. Life insurance has a great importance to let it on safe basement which warrant people's future life and forming funds to provide economy. It is not easy to act as a life insurer with known actuarial calculations in countries like have high level inflationrate. To raise technical interest will make companies in hard obligatory conditions and using changable technical interest will be impossible by actuarial side. ”In nowadays Turkey, we can easly see that, companies direct to bank saving insurances to get rid of inflation effect. But if the improment in profit share application is not made, life insurance will come a bad position in the end of insurance period. One of the deficiency in pure death benefit insurances is not giving essential importance in our country life insurance companies. If the companies give essential importance to this insurances, they will take it's results. As aresult, to develop life insurance in our country, which have high inflation rate, they must; prepare new tariffs to get rid of inflation effect, give importance to death benefit insurance, invest to insured's money as soon as possible, and state must take some action in protecting to insured's saving by Insurance Supervisory Law item no 2,12 and 16.18- in ıı o II s* in ıı ^ ? a a a ^ a ^_ a a. a a.? ^a a a jı « ? ?. p ? a ? r O O CQ CQ ^ On m m CQ ^“ tç C?J «Q *Q eo K 228saSSGSroSSSS«^BSSSSî in *-4 II az a. eti m ıı 2 2 2 222222!:d^^i2!222223n2gS t*) to f*j ro 1*0 to ro p*5 fo ro ı*o to to ro ro ro ro t*i ro (*”0 ro Po ro ro ro ro po ı*3 po f*> 1*0 to ro ro ro ro t** fo Po ro Po Po oj îu îu oj ? ?. a ? * 11 a ? * t» m 11 ». SS88SSS;SSSS3SaSP£BSSffi2g g[eİBİe[eieiİg|JJJII«J|l!|J|li£i£iâiâ|Slâ^^CONCLUTION The high level of life insurance in developed cuntries shows that it will reach to necessary importance in our country too. This can happen by the need and believing of necessity of life insurance by people. But because of the high level inflation and low technical interest, almost a lot of tariffs so far away from the need of people, therefore people don't give essential importance to life insurance. To come life insurance into consideration as attractive the maturty and indemnity must suitable in nowadays conditions. It is normal for people to disappoinment about to have maturity value in very small ratio about life insurance. Because of this in next periods the obligatory of state and insurance sector come as bigger. Life insurance has a great importance to let it on safe basement which warrant people's future life and forming funds to provide economy. It is not easy to act as a life insurer with known actuarial calculations in countries like have high level inflationrate. To raise technical interest will make companies in hard obligatory conditions and using changable technical interest will be impossible by actuarial side.“In nowadays Turkey, we can easly see that, companies direct to bank saving insurances to get rid of inflation effect. But if the improment in profit share application is not made, life insurance will come a bad position in the end of insurance period. One of the deficiency in pure death benefit insurances is not giving essential importance in our country life insurance companies. If the companies give essential importance to this insurances, they will take it's results. As aresult, to develop life insurance in our country, which have high inflation rate, they must; prepare new tariffs to get rid of inflation effect, give importance to death benefit insurance, invest to insured's money as soon as possible, and state must take some action in protecting to insured's saving by Insurance Supervisory Law item no 2,12 and 16.18- in ıı o II s* in ıı ^ ? a a a ^ a ^_ a a. a a.? ^a a a jı « ? ?. p ? a ? r O O CQ CQ ^ On m m CQ ^”tç C?J «Q *Q eo K 228saSSGSroSSSS«^BSSSSî in *-4 II az a. eti m ıı 2 2 2 222222!:d^^i2!222223n2gS t*) to f*j ro 1*0 to ro p*5 fo ro ı*o to to ro ro ro ro t*i ro (*“0 ro Po ro ro ro ro po ı*3 po f*> 1*0 to ro ro ro ro t** fo Po ro Po Po oj îu îu oj ? ?. a ? * 11 a ? * t» m 11 ». SS88SSS;SSSS3SaSP£BSSffi2g g[eİBİe[eieiİg|JJJII«J|l!|J|li£i£iâiâ|Slâ^^CONCLUTION The high level of life insurance in developed cuntries shows that it will reach to necessary importance in our country too. This can happen by the need and believing of necessity of life insurance by people. But because of the high level inflation and low technical interest, almost a lot of tariffs so far away from the need of people, therefore people don't give essential importance to life insurance. To come life insurance into consideration as attractive the maturty and indemnity must suitable in nowadays conditions. It is normal for people to disappoinment about to have maturity value in very small ratio about life insurance. Because of this in next periods the obligatory of state and insurance sector come as bigger. Life insurance has a great importance to let it on safe basement which warrant people's future life and forming funds to provide economy. It is not easy to act as a life insurer with known actuarial calculations in countries like have high level inflationrate. To raise technical interest will make companies in hard obligatory conditions and using changable technical interest will be impossible by actuarial side. ”In nowadays Turkey, we can easly see that, companies direct to bank saving insurances to get rid of inflation effect. But if the improment in profit share application is not made, life insurance will come a bad position in the end of insurance period. One of the deficiency in pure death benefit insurances is not giving essential importance in our country life insurance companies. If the companies give essential importance to this insurances, they will take it's results. As aresult, to develop life insurance in our country, which have high inflation rate, they must; prepare new tariffs to get rid of inflation effect, give importance to death benefit insurance, invest to insured's money as soon as possible, and state must take some action in protecting to insured's saving by Insurance Supervisory Law item no 2,12 and 16.18- in ıı o II s* in ıı ^ ? a a a ^ a ^_ a a. a a.? ^a a a jı « ? ?. p ? a ? r O O CQ CQ ^ On m m CQ ^“ tç C?J «Q *Q eo K 228saSSGSroSSSS«^BSSSSî in *-4 II az a. eti m ıı 2 2 2 222222!:d^^i2!222223n2gS t*) to f*j ro 1*0 to ro p*5 fo ro ı*o to to ro ro ro ro t*i ro (*”0 ro Po ro ro ro ro po ı*3 po f*> 1*0 to ro ro ro ro t** fo Po ro Po Po oj îu îu oj ? ?. a ? * 11 a ? * t» m 11 ». SS88SSS;SSSS3SaSP£BSSffi2g g[eİBİe[eieiİg|JJJII«J|l!|J|li£i£iâiâ|Slâ^^CONCLUTION The high level of life insurance in developed cuntries shows that it will reach to necessary importance in our country too. This can happen by the need and believing of necessity of life insurance by people. But because of the high level inflation and low technical interest, almost a lot of tariffs so far away from the need of people, therefore people don't give essential importance to life insurance. To come life insurance into consideration as attractive the maturty and indemnity must suitable in nowadays conditions. It is normal for people to disappoinment about to have maturity value in very small ratio about life insurance. Because of this in next periods the obligatory of state and insurance sector come as bigger. Life insurance has a great importance to let it on safe basement which warrant people's future life and forming funds to provide economy. It is not easy to act as a life insurer with known actuarial calculations in countries like have high level inflationrate. To raise technical interest will make companies in hard obligatory conditions and using changable technical interest will be impossible by actuarial side.“In nowadays Turkey, we can easly see that, companies direct to bank saving insurances to get rid of inflation effect. But if the improment in profit share application is not made, life insurance will come a bad position in the end of insurance period. One of the deficiency in pure death benefit insurances is not giving essential importance in our country life insurance companies. If the companies give essential importance to this insurances, they will take it's results. As aresult, to develop life insurance in our country, which have high inflation rate, they must; prepare new tariffs to get rid of inflation effect, give importance to death benefit insurance, invest to insured's money as soon as possible, and state must take some action in protecting to insured's saving by Insurance Supervisory Law item no 2,12 and 16.18- in ıı o II s* in ıı ^ ? a a a ^ a ^_ a a. a a.? ^a a a jı « ? ?. p ? a ? r O O CQ CQ ^ On m m CQ ^”tç C?J «Q *Q eo K 228saSSGSroSSSS«^BSSSSî in *-4 II az a. eti m ıı 2 2 2 222222!:d^^i2!222223n2gS t*) to f*j ro 1*0 to ro p*5 fo ro ı*o to to ro ro ro ro t*i ro (*“0 ro Po ro ro ro ro po ı*3 po f*> 1*0 to ro ro ro ro t** fo Po ro Po Po oj îu îu oj ? ?. a ? * 11 a ? * t» m 11 ». SS88SSS;SSSS3SaSP£BSSffi2g g[eİBİe[eieiİg|JJJII«J|l!|J|li£i£iâiâ|Slâ^^CONCLUTION The high level of life insurance in developed cuntries shows that it will reach to necessary importance in our country too. This can happen by the need and believing of necessity of life insurance by people. But because of the high level inflation and low technical interest, almost a lot of tariffs so far away from the need of people, therefore people don't give essential importance to life insurance. To come life insurance into consideration as attractive the maturty and indemnity must suitable in nowadays conditions. It is normal for people to disappoinment about to have maturity value in very small ratio about life insurance. Because of this in next periods the obligatory of state and insurance sector come as bigger. Life insurance has a great importance to let it on safe basement which warrant people's future life and forming funds to provide economy. It is not easy to act as a life insurer with known actuarial calculations in countries like have high level inflationrate. To raise technical interest will make companies in hard obligatory conditions and using changable technical interest will be impossible by actuarial side. ”In nowadays Turkey, we can easly see that, companies direct to bank saving insurances to get rid of inflation effect. But if the improment in profit share application is not made, life insurance will come a bad position in the end of insurance period. One of the deficiency in pure death benefit insurances is not giving essential importance in our country life insurance companies. If the companies give essential importance to this insurances, they will take it's results. As aresult, to develop life insurance in our country, which have high inflation rate, they must; prepare new tariffs to get rid of inflation effect, give importance to death benefit insurance, invest to insured's money as soon as possible, and state must take some action in protecting to insured's saving by Insurance Supervisory Law item no 2,12 and 16.18- in ıı o II s* in ıı ^ ? a a a ^ a ^_ a a. a a.? ^a a a jı « ? ?. p ? a ? r O O CQ CQ ^ On m m CQ ^“ tç C?J «Q *Q eo K 228saSSGSroSSSS«^BSSSSî in *-4 II az a. eti m ıı 2 2 2 222222!:d^^i2!222223n2gS t*) to f*j ro 1*0 to ro p*5 fo ro ı*o to to ro ro ro ro t*i ro (*”0 ro Po ro ro ro ro po ı*3 po f*> 1*0 to ro ro ro ro t** fo Po ro Po Po oj îu îu oj ? ?. a ? * 11 a ? * t» m 11 ». SS88SSS;SSSS3SaSP£BSSffi2g g[eİBİe[eieiİg|JJJII«J|l!|J|li£i£iâiâ|Slâ^^-17 (S cu ffifflffiffi^§S§ssl§s^§§§^§SSSS § po po po po po po po po po po po po po po po po po i*5 po po po MI PO PO PO PO PO PO PO PO PO PO PO PO PO PO PO PO PO PO PO PO PO PO m PO po po po ro po PO PO PO po PO PO PO po po po po po po po po po iK m m m m m m m m m m m m W ^ 05 m tt 2 a a a ao.&. ?*. ?**..«*? ?*.*. «*? «^.jt ?«* «*. -*..*..*.«?.«“ -«r «^ sr *^ «^ -** «# pt:p?p^p.p?p?p?p?p?p~p*t r- O^ 0** OTi 0^ 0^ O”* CP) O*^ D^i O^ O** O** O** CP> D^ 0** 0^ O^ 0** 0* o^18- in ıı o II s* in ıı ^ ? a a a ^ a ^_ a a. a a.? ^a a a jı « ? ?. p ? a ? r O O CQ CQ ^ On m m CQ ^“ tç C?J «Q *Q eo K 228saSSGSroSSSS«^BSSSSî in *-4 II az a. eti m ıı 2 2 2 222222!:d^^i2!222223n2gS t*) to f*j ro 1*0 to ro p*5 fo ro ı*o to to ro ro ro ro t*i ro (*”0 ro Po ro ro ro ro po ı*3 po f*> 1*0 to ro ro ro ro t** fo Po ro Po Po oj îu îu oj ? ?. a ? * 11 a ? * t» m 11 ». SS88SSS;SSSS3SaSP£BSSffi2g g[eİBİe[eieiİg|JJJII«J|l!|J|li£i£iâiâ|Slâ^^-17 (S cu ffifflffiffi^§S§ssl§s^§§§^§SSSS § po po po po po po po po po po po po po po po po po i*5 po po po MI PO PO PO PO PO PO PO PO PO PO PO PO PO PO PO PO PO PO PO PO PO PO m PO po po po ro po PO PO PO po PO PO PO po po po po po po po po po iK m m m m m m m m m m m m W ^ 05 m tt 2 a a a ao.&. ?*. ?**..«*? ?*.*. «*? «^.jt ?«* «*. -*..*..*.«?.«“ -«r «^ sr *^ «^ -** «# pt:p?p^p.p?p?p?p?p?p~p*t r- O^ 0** OTi 0^ 0^ O”* CP) O*^ D^i O^ O** O** O** CP> D^ 0** 0^ O^ 0** 0* o^18- in ıı o II s* in ıı ^ ? a a a ^ a ^_ a a. a a.? ^a a a jı « ? ?. p ? a ? r O O CQ CQ ^ On m m CQ ^“ tç C?J «Q *Q eo K 228saSSGSroSSSS«^BSSSSî in *-4 II az a. eti m ıı 2 2 2 222222!:d^^i2!222223n2gS t*) to f*j ro 1*0 to ro p*5 fo ro ı*o to to ro ro ro ro t*i ro (*”0 ro Po ro ro ro ro po ı*3 po f*> 1*0 to ro ro ro ro t** fo Po ro Po Po oj îu îu oj ? ?. a ? * 11 a ? * t» m 11 ». SS88SSS;SSSS3SaSP£BSSffi2g g[eİBİe[eieiİg|JJJII«J|l!|J|li£i£iâiâ|Slâ^^-17 (S cu ffifflffiffi^§S§ssl§s^§§§^§SSSS § po po po po po po po po po po po po po po po po po i*5 po po po MI PO PO PO PO PO PO PO PO PO PO PO PO PO PO PO PO PO PO PO PO PO PO m PO po po po ro po PO PO PO po PO PO PO po po po po po po po po po iK m m m m m m m m m m m m W ^ 05 m tt 2 a a a ao.&. ?*. ?**..«*? ?*.*. «*? «^.jt ?«* «*. -*..*..*.«?.«“ -«r «^ sr *^ «^ -** «# pt:p?p^p.p?p?p?p?p?p~p*t r- O^ 0** OTi 0^ 0^ O”* CP) O*^ D^i O^ O** O** O** CP> D^ 0** 0^ O^ 0** 0* o^18- in ıı o II s* in ıı ^ ? a a a ^ a ^_ a a. a a.? ^a a a jı « ? ?. p ? a ? r O O CQ CQ ^ On m m CQ ^“ tç C?J «Q *Q eo K 228saSSGSroSSSS«^BSSSSî in *-4 II az a. eti m ıı 2 2 2 222222!:d^^i2!222223n2gS t*) to f*j ro 1*0 to ro p*5 fo ro ı*o to to ro ro ro ro t*i ro (*”0 ro Po ro ro ro ro po ı*3 po f*> 1*0 to ro ro ro ro t** fo Po ro Po Po oj îu îu oj ? ?. a ? * 11 a ? * t» m 11 ». SS88SSS;SSSS3SaSP£BSSffi2g g[eİBİe[eieiİg|JJJII«J|l!|J|li£i£iâiâ|Slâ^^-17 (S cu ffifflffiffi^§S§ssl§s^§§§^§SSSS § po po po po po po po po po po po po po po po po po i*5 po po po MI PO PO PO PO PO PO PO PO PO PO PO PO PO PO PO PO PO PO PO PO PO PO m PO po po po ro po PO PO PO po PO PO PO po po po po po po po po po iK m m m m m m m m m m m m W ^ 05 m tt 2 a a a ao.&. ?*. ?**..«*? ?*.*. «*? «^.jt ?«* «*. -*..*..*.«?.«“ -«r «^ sr *^ «^ -** «# pt:p?p^p.p?p?p?p?p?p~p*t r- O^ 0** OTi 0^ 0^ O”* CP) O*^ D^i O^ O** O** O** CP> D^ 0** 0^ O^ 0** 0* o^18- in ıı o II s* in ıı ^ ? a a a ^ a ^_ a a. a a.? ^a a a jı « ? ?. p ? a ? r O O CQ CQ ^ On m m CQ ^“ tç C?J «Q *Q eo K 228saSSGSroSSSS«^BSSSSî in *-4 II az a. eti m ıı 2 2 2 222222!:d^^i2!222223n2gS t*) to f*j ro 1*0 to ro p*5 fo ro ı*o to to ro ro ro ro t*i ro (*”0 ro Po ro ro ro ro po ı*3 po f*> 1*0 to ro ro ro ro t** fo Po ro Po Po oj îu îu oj ? ?. a ? * 11 a ? * t» m 11 ». SS88SSS;SSSS3SaSP£BSSffi2g g[eİBİe[eieiİg|JJJII«J|l!|J|li£i£iâiâ|Slâ^^-17 (S cu ffifflffiffi^§S§ssl§s^§§§^§SSSS § po po po po po po po po po po po po po po po po po i*5 po po po MI PO PO PO PO PO PO PO PO PO PO PO PO PO PO PO PO PO PO PO PO PO PO m PO po po po ro po PO PO PO po PO PO PO po po po po po po po po po iK m m m m m m m m m m m m W ^ 05 m tt 2 a a a ao.&. ?*. ?**..«*? ?*.*. «*? «^.jt ?«* «*. -*..*..*.«?.«“ -«r «^ sr *^ «^ -** «# pt:p?p^p.p?p?p?p?p?p~p*t r- O^ 0** OTi 0^ 0^ O”* CP) O*^ D^i O^ O** O** O** CP> D^ 0** 0^ O^ 0** 0* o^-16- As a result we can say that endowment insurance with increasing face amount and premium is not acceptable unless technical interest rate will greater then increasing rate. 2.2.2. Endowment Insurance with Profit Share Life part of endowment insurance net premium must be considered saving of insured person that is given to the company for safekeeping, so insurer must invest and get profit from this money. Again we will say that, assuming amounts of profit share as a single premium and finding new face amount is a good idea. in table 2.6 you can see endowment insurance with profit share for profit share rate of 60%. 2.3. BANK SAVING INSURANCES This type of insurance premiums (which is solt much more nowadays) has two parts. A little part of premium is for yearly term insurance and other part is for saving with 9% interest rate, if we ignore expences and commission. Since the second part of the premium is banking operation, we called it“bank saving insurances”. Bank saving insurance is similar with endowment insurance. In table 2.8 and 2.9 you can compare them for same expences. In table 2.8 only technical interest rate 9% is used, in table 2.9 60% profit share rate is considered. As it seen, whether life probability is not used in bank saving insurance, it is better than other type of insurance for purpose of saving.-17 (S cu ffifflffiffi^§S§ssl§s^§§§^§SSSS § po po po po po po po po po po po po po po po po po i*5 po po po MI PO PO PO PO PO PO PO PO PO PO PO PO PO PO PO PO PO PO PO PO PO PO m PO po po po ro po PO PO PO po PO PO PO po po po po po po po po po iK m m m m m m m m m m m m W ^ 05 m tt 2 a a a ao.&. ?*. ?**..«*? ?*.*. «*? «^.jt ?«* «*. -*..*..*.«?.«“ -«r «^ sr *^ «^ -** «# pt:p?p^p.p?p?p?p?p?p~p*t r- O^ 0** OTi 0^ 0^ O”* CP) O*^ D^i O^ O** O** O** CP> D^ 0** 0^ O^ 0** 0* o^-16- As a result we can say that endowment insurance with increasing face amount and premium is not acceptable unless technical interest rate will greater then increasing rate. 2.2.2. Endowment Insurance with Profit Share Life part of endowment insurance net premium must be considered saving of insured person that is given to the company for safekeeping, so insurer must invest and get profit from this money. Again we will say that, assuming amounts of profit share as a single premium and finding new face amount is a good idea. in table 2.6 you can see endowment insurance with profit share for profit share rate of 60%. 2.3. BANK SAVING INSURANCES This type of insurance premiums (which is solt much more nowadays) has two parts. A little part of premium is for yearly term insurance and other part is for saving with 9% interest rate, if we ignore expences and commission. Since the second part of the premium is banking operation, we called it“bank saving insurances”. Bank saving insurance is similar with endowment insurance. In table 2.8 and 2.9 you can compare them for same expences. In table 2.8 only technical interest rate 9% is used, in table 2.9 60% profit share rate is considered. As it seen, whether life probability is not used in bank saving insurance, it is better than other type of insurance for purpose of saving.-17 (S cu ffifflffiffi^§S§ssl§s^§§§^§SSSS § po po po po po po po po po po po po po po po po po i*5 po po po MI PO PO PO PO PO PO PO PO PO PO PO PO PO PO PO PO PO PO PO PO PO PO m PO po po po ro po PO PO PO po PO PO PO po po po po po po po po po iK m m m m m m m m m m m m W ^ 05 m tt 2 a a a ao.&. ?*. ?**..«*? ?*.*. «*? «^.jt ?«* «*. -*..*..*.«?.«“ -«r «^ sr *^ «^ -** «# pt:p?p^p.p?p?p?p?p?p~p*t r- O^ 0** OTi 0^ 0^ O”* CP) O*^ D^i O^ O** O** O** CP> D^ 0** 0^ O^ 0** 0* o^-16- As a result we can say that endowment insurance with increasing face amount and premium is not acceptable unless technical interest rate will greater then increasing rate. 2.2.2. Endowment Insurance with Profit Share Life part of endowment insurance net premium must be considered saving of insured person that is given to the company for safekeeping, so insurer must invest and get profit from this money. Again we will say that, assuming amounts of profit share as a single premium and finding new face amount is a good idea. in table 2.6 you can see endowment insurance with profit share for profit share rate of 60%. 2.3. BANK SAVING INSURANCES This type of insurance premiums (which is solt much more nowadays) has two parts. A little part of premium is for yearly term insurance and other part is for saving with 9% interest rate, if we ignore expences and commission. Since the second part of the premium is banking operation, we called it“bank saving insurances”. Bank saving insurance is similar with endowment insurance. In table 2.8 and 2.9 you can compare them for same expences. In table 2.8 only technical interest rate 9% is used, in table 2.9 60% profit share rate is considered. As it seen, whether life probability is not used in bank saving insurance, it is better than other type of insurance for purpose of saving.

Benzer Tezler

  1. Tez No

    551812

    The effects of digital marketing tools on intermediaries' satisfaction in Turkish marine insurance market

    Türk nakliyat sigortaları pazarında dijital pazarlama araçlarının aracı memnuniyeti üzerindeki etkileri

    TAHİR KİRAZLI

    Yüksek Lisans

    İngilizce

    İngilizce

    2019

    SigortacılıkBahçeşehir Üniversitesi

    İşletme (İngilizce) Ana Bilim Dalı

    DR. ÖĞR. ÜYESİ SAMET AYDIN

  2. Tez No

    5298

    Türkiye denizcilik sektöründe çalışma şartları (monografik bir etüd)

    Başlık çevirisi yok

    A.MURAT ASLANER

    Yüksek Lisans

    Türkçe

    Türkçe

    1988

    İşletmeİstanbul Üniversitesi

    Çalışma Ekonomisi ve Endüstri İlişkileri Ana Bilim Dalı

    PROF. DR. TURAN YAZGAN

  3. Tez No

    385727

    Modern Türk Sosyal Güvenlik Sisteminin kuruluşu: Askeri Tekaüt Sandığı (1866)

    Foundation of Modern Turkish Social Security : Military Retirement Fund (1866)

    CAN KURUM

    Yüksek Lisans

    Türkçe

    Türkçe

    2015

    SigortacılıkTrakya Üniversitesi

    Çalışma Ekonomisi Ana Bilim Dalı

    YRD. DOÇ. DR. MURAT ÇİFTÇİ

  4. Tez No

    737699

    Farklı liderlik tarzları ve lidere duyulan güvenin örgütlerde meydana gelen iş kazaları üzerindeki etkisi

    The impact of different leadership styles and trust in leader on occupational accidents in organizations

    OKAN YILDIRIM

    Yüksek Lisans

    Türkçe

    Türkçe

    2022

    İşletmeİstanbul Teknik Üniversitesi

    İşletme Ana Bilim Dalı

    PROF. DR. MAHMUT KABAKCI

  5. Tez No

    668035

    Türkiye'de işsizlik sigortası uygulamaları ve sistemin sürdürülebilirliği

    Unemployment insurance practices in Turkey and sustainability of the system

    RECEP KAPTAN

    Yüksek Lisans

    Türkçe

    Türkçe

    2021

    HukukYalova Üniversitesi

    Özel Hukuk Ana Bilim Dalı

    DOÇ. DR. RECEP MAKAS

Geri Dön