guaranteedPeriod=0,# guaranteed payments for annuities
contractClosing=NULL,# Contract closing date (day/month is relevant for balance sheet reserves)
contractClosing=NULL,# Contract closing date (day/month is relevant for balance sheet reserves)
blockStart=0,# When the current tariff block starts (main block starts a 0, dynamic increases start later!), only used by the parent block (i.e. t=0 of child is aligned with t=blockStart of parent)
blockStart=0,# When the current tariff block starts (main block starts a 0, dynamic increases start later!), only used by the parent block (i.e. t=0 of child is aligned with t=blockStart of parent)
deathBenefit=1# The yearly relative death benefit (relative to the initial sum insured); Can be set to a function(len, params, values), e.g. deathBenefit = deathBenefit.linearDecreasing
deathBenefit=1# The yearly relative death benefit (relative to the initial sum insured); Can be set to a function(len, params, values), e.g. deathBenefit = deathBenefit.linearDecreasing
),
),
ContractState=list(
ContractState=list(
premiumWaiver=FALSE,# Vertrag ist prämienfrei gestellt
premiumWaiver=FALSE,# contract is paid-up
surrenderPenalty=TRUE,# Set to FALSE after the surrender penalty has been applied once, e.g. on a premium waiver
surrenderPenalty=TRUE,# Set to FALSE after the surrender penalty has been applied once, e.g. on a premium waiver
alphaRefunded=FALSE# Alpha costs not yet refunded (in case of contract changes)
alphaRefunded=FALSE# Alpha costs not yet refunded (in case of contract changes)
Loadings=list(# Loadings can also be function(sumInsured, premiums)
Loadings=list(# Loadings can also be function(sumInsured, premiums)
ongoingAlphaGrossPremium=0,# Acquisition cost that increase the gross premium
ongoingAlphaGrossPremium=0,# Acquisition cost that increase the gross premium
tax=0.04,# insurance tax, factor on each premium paid
tax=0.04,# insurance tax, factor on each premium paid
unitcosts=0,# Annual unit cost for each policy (Stückkosten), absolute value (can be a function)
unitcosts=0,# Annual unit cost for each policy, absolute value (can be a function)
security=0,# Additional security loading on all benefit payments, factor on all benefits
security=0,# Additional security loading on all benefit payments, factor on all benefits
noMedicalExam=0,# Loading when no medicial exam is done, % of SumInsured
noMedicalExam=0,# Loading when no medicial exam is done, % of SumInsured
noMedicalExamRelative=0,# Loading when no medicial exam is done, % of gross premium
noMedicalExamRelative=0,# Loading when no medicial exam is done, % of gross premium
sumRebate=0,# gross premium reduction for large premiums, % of SumInsured
sumRebate=0,# gross premium reduction for large premiums, % of SumInsured
extraRebate=0,# gross premium reduction for any reason, % of SumInsured
extraRebate=0,# gross premium reduction for any reason, % of SumInsured
premiumRebate=0,# gross premium reduction for large premiums, % of gross premium # TODO
premiumRebate=0,# gross premium reduction for large premiums, % of gross premium # TODO
partnerRebate=0,# Partnerrabatt auf Prämie mit Zu-/Abschlägen, wenn mehr als 1 Vertrag gleichzeitig abgeschlossen wird, additiv mit advanceBonusInclUnitCost and premiumRebate
partnerRebate=0,# Partnerrabate on premium (including loading and other rebates) if more than one similar contract is concluded
extraChargeGrossPremium=0,# extra charges on gross premium (smoker, leisure activities, BMI too high, etc.)
extraChargeGrossPremium=0,# extra charges on gross premium (smoker, leisure activities, BMI too high, etc.)
benefitFrequencyLoading=list("1"=0.0,"2"=0.0,"4"=0.0,"12"=0.0),# TODO: Properly implement this as a function
benefitFrequencyLoading=list("1"=0.0,"2"=0.0,"4"=0.0,"12"=0.0),# TODO: Properly implement this as a function
premiumFrequencyLoading=list("1"=0.0,"2"=0.0,"4"=0.0,"12"=0.0)# TODO: Properly implement this as a function
premiumFrequencyLoading=list("1"=0.0,"2"=0.0,"4"=0.0,"12"=0.0)# TODO: Properly implement this as a function
