diff --git a/Examples/Beispiel_Vortrag.R b/Examples/Beispiel_Vortrag.R
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+++ b/Examples/Beispiel_Vortrag.R
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+# 2.2 Tariff implementation (InsuranceTarif)
+
+library(magrittr)
+library(MortalityTables)
+library(lubridate)
+library(LifeInsuranceContracts)
+mortalityTables.load("Austria_Census")
+
+mort.AT.census.2011.male
+
+Tarif.L71U = InsuranceTarif$new(
+ name = "L71-U",
+ type = "wholelife",
+ tarif = "DeathPlus - Short Term Life Insurance",
+ desc = "Term Life insurance (5 years) with constant sum insured and regular premiums",
+ policyPeriod = 5, premiumPeriod = 5, # premiumPeriod not needed, defaults to maturity
+
+ mortalityTable = mortalityTable.mixed(
+ table1 = mort.AT.census.2011.male, weight1 = 0.65,
+ table2 = mort.AT.census.2011.female, weight2 = 0.35
+ ),
+ i = 0.005,
+ tax = 0.04,
+ costs = initializeCosts(alpha = 0.05, gamma = 0.01, gamma.paidUp = 0.01, unitcosts = 10),
+ surrenderValueCalculation = function(surrenderReserve, params, values) {
+ surrenderReserve * 0.9
+ }
+);
+
+
+
+# 2.3 Creating a contract
+
+contract.L71U = InsuranceContract$new(
+ Tarif.L71U,
+ age = 35,
+ contractClosing = as.Date("2020-08-18"),
+ sumInsured = 100000);
+contract.L71U.1996R = InsuranceContract$new(
+ Tarif.L71U,
+ age = 35,
+ contractClosing = as.Date("2020-08-18"),
+ mortalityTable = AVOe1996R.male,
+ sumInsured = 100000);
+
+contract.L71U$Values$premiums
+contract.L71U.1996R$Values$premiums
+
+library(openxlsx)
+exportInsuranceContract.xlsx(contract.L71U, "L71U.xlsx")
+openXL("L71U.xlsx")
+
+
+contract.L71U$Values$premiums
+contract.L71U$Values$reserves
+
+
+contract.L71U$Values$cashFlows
+contract.L71U$Values$cashFlowsCosts[,,,"survival"]
+contract.L71U$Parameters$Costs %>% costsDisplayTable()
+
+contract.L71U$Values$presentValues
+contract.L71U$Values$presentValuesCosts
+
+
+VMGL.contract = InsuranceContract$new(
+ Tarif.L71U,
+ age = 35, policyPeriod = 5, premiumPeriod
+ sumInsured = 100000,
+ contractClosing = as.Date("2020-07-01")
+)
+
+showVmGlgExamples(VMGL.contract, t_prf = 3, t = 3)
+
+
+
+
+
+
+library(MortalityTables)
+mortalityTables.load("Austria_Census")
+mortalityTables.load("Austria_Annuities_AVOe2005R")
+# Costs: 4% acquisition, where 2.5% are zillmered, 5\% of each premium as beta costs,
+# 1%o acquisition costs of the sum insured over the whole contract period
+example.Costs = initializeCosts(
+ alpha = 0.04, Zillmer = 0.025,
+ beta = 0.05,
+ gamma.contract = 0.001, gamma.paidUp = 0.001
+)
+example.Surrender = function(surrenderReserve, params, values) {
+ n = params$ContractData$policyPeriod
+ # Surrender Penalty is 10% at the beginning and decreases linearly to 0%
+ surrenderReserve * (0.9 + 0.1 * (0:n)/n)
+}
+Tarif.Endowment = InsuranceTarif$new(
+ name = "Example Tariff - Endowment",
+ type = "endowment",
+ tarif = "EN1",
+ desc = "An endowment with regular premiums",
+
+ mortalityTable = mort.AT.census.2011.unisex,
+ i = 0.005,
+ costs = example.Costs,
+ unitcosts = 10,
+ tax = 0.04, # 4% insurance tax
+ surrenderValueCalculation = example.Surrender
+)
+
+contract.Endowment.Dynamics = InsuranceContract$new(
+ tarif = Tarif.Endowment,
+ sumInsured = 10000,
+ age = 40,
+ policyPeriod = 10,
+ contractClosing = as.Date("2020-09-01"),
+ id = "Initial contract"
+)$
+ addDynamics(t = 5, NewSumInsured = 11000, id = "Dynamic at 5")$
+ addDynamics(t = 7, NewSumInsured = 12000, id = "Dynamic at 7")$
+ addDynamics(t = 8, NewSumInsured = 13500, id = "Dynamic at 8")
+
+contract.Endowment.Dynamics
+exportInsuranceContract.xlsx(contract.Endowment.Dynamics, "dyn.xlsx")
+openXL("dyn.xlsx")
+
+
+contract.Endowment.Dynamics = InsuranceContract$new(
+ tarif = Tarif.Endowment,
+ sumInsured = 10000,
+ age = 40,
+ policyPeriod = 10,
+ contractClosing = as.Date("2020-09-01"),
+ id = "Initial contract"
+)$addBlock(t = 3, tarif = Tarif.Endowment, age = 43, policyPeriod = 7,
+ sumInsured = 1000, premiumPeriod = 1, id = "Einmalzuzahlung at 5")
+
+contract.L71U.prf = contract.L71U$premiumWaiver(t = 3)
+contract.L71U.prf$Values$reservesBalanceSheet
+
+contract.L71U.prf$Values$cashFlows
+
+grd = contractGridPremium(
+ axes = list(mortalityTable = mort.AT.census["m", ], age = seq(20, 80, 10)),
+ tarif = Tarif.L71U,
+ sumInsured = 100000,
+ contractClosing = as.Date("2020-08-18")
+)
diff --git a/Examples/Example_Endowment_Dynamics.xlsx b/Examples/Example_Endowment_Dynamics.xlsx
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index 0000000000000000000000000000000000000000..a6b68ff2f5bb0fcb7f8a5ff3056e3dd0cd3820de
Binary files /dev/null and b/Examples/Example_Endowment_Dynamics.xlsx differ
diff --git a/Examples/Example_Endowment_Dynamics_CODE.R b/Examples/Example_Endowment_Dynamics_CODE.R
new file mode 100644
index 0000000000000000000000000000000000000000..7ccb9ae3e82329e6772e388d2982ff88635c6502
--- /dev/null
+++ b/Examples/Example_Endowment_Dynamics_CODE.R
@@ -0,0 +1,46 @@
+library(magrittr)
+library(MortalityTables)
+library(LifeInsuranceContracts)
+mortalityTables.load("Austria_Census")
+
+# Costs: 4% acquisition, where 2.5% are zillmered, 5\% of each premium as beta costs,
+# 1%o acquisition costs of the sum insured over the whole contract period
+example.Costs = initializeCosts(
+ alpha = 0.04, Zillmer = 0.025,
+ beta = 0.05,
+ gamma.contract = 0.001, gamma.paidUp = 0.001
+)
+example.Surrender = function(surrenderReserve, params, values) {
+ n = params$ContractData$policyPeriod
+ # Surrender Penalty is 10% at the beginning and decreases linearly to 0%
+ surrenderReserve * (0.9 + 0.1 * (0:n)/n)
+}
+
+Tarif.Endowment = InsuranceTarif$new(
+ name = "Example Tariff - Endowment",
+ type = "endowment",
+ tarif = "EN1",
+ desc = "An endowment with regular premiums",
+
+ mortalityTable = mort.AT.census.2011.unisex,
+ i = 0.005,
+ costs = example.Costs,
+ unitcosts = 10,
+ tax = 0.04, # 4% insurance tax
+ surrenderValueCalculation = example.Surrender
+)
+
+contract.Endowment = InsuranceContract$new(
+ Tarif.Endowment,
+ age = 50, policyPeriod = 35,
+ premiumFrequency = 12,
+ sumInsured = 100000,
+ contractClosing = as.Date("2020-07-01")
+)
+contract.exportExample = contract.Endowment$clone()$
+ addDynamics(t = 3, SumInsuredDelta = 10000)$
+ addDynamics(t = 5, SumInsuredDelta = 15000)$
+ addDynamics(t = 10, SumInsuredDelta = 15000)$
+ addDynamics(t = 14, SumInsuredDelta = 10000)
+exportInsuranceContract.xlsx(contract.exportExample, filename = "Example_Endowment_Dynamics.xlsx")
+openxlsx::openXL("Example_Endowment_Dynamics.xlsx")