Add example code (from some presentations)

Examples/Beispiel_Vortrag.R

+# 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")
+)

Examples/Example_Endowment_Dynamics_CODE.R

+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")