The paper presents the modelling techniques used on international practice for establishing life premiums quota. Thus, the calculus techniques used by the insurers are generally based on a series of indicators named mortality indicators which mainly point out the insured persons’ survival...

In a world where almost everything can be sold and bought, where the resources fall and the needs grow, we really need vanguard scientific knowledge. Sharing and exchange of experience is an essential mean to achieve an effective opening, enabling communication across borders. Taking into...

The academic literature analyzes the fiscality concern from all points of view, and the question which pressed upon the theoreticians and also the practitioners of the last decades remains: which is the adequate level of the fiscality? The difficulty in answering the question consists in...