From 379e4956c5a55394654e3b1c9a3ab445d4cf0bd0 Mon Sep 17 00:00:00 2001
From: Reinhold Kainhofer <reinhold@kainhofer.com>
Date: Tue, 12 Sep 2023 22:14:19 +0200
Subject: [PATCH] Add RStudio project template for company-specific
implementation
The create_LIC_project.R file containing the code to copy the files and adjust the company name is still WIP.
---
DESCRIPTION | 1 +
R/create_LIC_project.R | 49 ++
.../project/LifeInsuranceContracts.dcf | 10 +
.../LifeInsuranceContracts/.Rbuildignore | 8 +
.../project/LifeInsuranceContracts/.gitignore | 6 +
.../LifeInsuranceContracts/DESCRIPTION | 28 +
.../project/LifeInsuranceContracts/NAMESPACE | 2 +
.../R/XXXCOMPANYXXX_General.R | 197 ++++++
.../R/XXXCOMPANYXXX_Gewinnplan1.R | 42 ++
.../R/XXXCOMPANYXXX_Tarif1.R | 37 ++
.../R/XXXCOMPANYXXX_Tarif2.R | 46 ++
.../XXXCOMPANYXXXRechnungGesamtbestand.R | 561 ++++++++++++++++++
.../LifeInsuranceContracts/tests/testthat.R | 4 +
.../tests/testthat/.gitignore | 1 +
.../tests/testthat/test-Tarif1.R | 41 ++
.../tests/testthat/test-Tarif2.R | 40 ++
man/InsuranceContract.ParameterDefaults.Rd | 1 +
17 files changed, 1074 insertions(+)
create mode 100644 R/create_LIC_project.R
create mode 100644 inst/rstudio/templates/project/LifeInsuranceContracts.dcf
create mode 100644 inst/rstudio/templates/project/LifeInsuranceContracts/.Rbuildignore
create mode 100644 inst/rstudio/templates/project/LifeInsuranceContracts/.gitignore
create mode 100644 inst/rstudio/templates/project/LifeInsuranceContracts/DESCRIPTION
create mode 100644 inst/rstudio/templates/project/LifeInsuranceContracts/NAMESPACE
create mode 100644 inst/rstudio/templates/project/LifeInsuranceContracts/R/XXXCOMPANYXXX_General.R
create mode 100644 inst/rstudio/templates/project/LifeInsuranceContracts/R/XXXCOMPANYXXX_Gewinnplan1.R
create mode 100644 inst/rstudio/templates/project/LifeInsuranceContracts/R/XXXCOMPANYXXX_Tarif1.R
create mode 100644 inst/rstudio/templates/project/LifeInsuranceContracts/R/XXXCOMPANYXXX_Tarif2.R
create mode 100644 inst/rstudio/templates/project/LifeInsuranceContracts/XXXCOMPANYXXXRechnungGesamtbestand.R
create mode 100644 inst/rstudio/templates/project/LifeInsuranceContracts/tests/testthat.R
create mode 100644 inst/rstudio/templates/project/LifeInsuranceContracts/tests/testthat/.gitignore
create mode 100644 inst/rstudio/templates/project/LifeInsuranceContracts/tests/testthat/test-Tarif1.R
create mode 100644 inst/rstudio/templates/project/LifeInsuranceContracts/tests/testthat/test-Tarif2.R
diff --git a/DESCRIPTION b/DESCRIPTION
index 7830ffa..377bba0 100644
--- a/DESCRIPTION
+++ b/DESCRIPTION
@@ -45,6 +45,7 @@ Collate:
'InsuranceContract.R'
'addDataTableWorksheet.R'
'contractGrid.R'
+ 'create_LIC_project.R'
'exportInsuranceContract_xlsx.R'
'showVmGlgExamples.R'
'exportInsuranceContractExample.R'
diff --git a/R/create_LIC_project.R b/R/create_LIC_project.R
new file mode 100644
index 0000000..6c07a5a
--- /dev/null
+++ b/R/create_LIC_project.R
@@ -0,0 +1,49 @@
+# Custom project creation function, copied as a starting point from
+# https://rstudio.github.io/rstudio-extensions/rstudio_project_templates.html
+# Copying functions and replacements originally taken from
+# https://blog.devgenius.io/make-your-own-rstudio-project-template-1f77c4888e79
+# and heavily modified
+
+create_LIC_project <- function(path, ...) {
+ # ensure path exists
+ dir.create(path, recursive = TRUE, showWarnings = FALSE)
+
+
+
+ # LIC.src <- function (..., lib.loc = NULL, mustWork = FALSE){
+ # system.file(..., package = "LifeInsuranceContracts", lib.loc = lib.loc, mustWork = mustWork)
+ # }
+ #
+ # from <- LIC.src("templatedemo")
+ #
+ # fs::dir_copy(
+ # path = from,
+ # new_path = path,
+ # overwrite = TRUE
+ # )
+
+ # generate header for file
+ header <- c(
+ "# This file was generated by a call to 'ptexamples::hello_world()'.",
+ "# The following inputs were received:",
+ ""
+ )
+
+ # collect inputs and paste together as 'Parameter: Value'
+ dots <- list(...)
+ text <- lapply(seq_along(dots), function(i) {
+ key <- names(dots)[[i]]
+ val <- dots[[i]]
+ paste0(key, ": ", val)
+ })
+
+ # collect into single text string
+ contents <- paste(
+ paste(header, collapse = "\n"),
+ paste(text, collapse = "\n"),
+ sep = "\n"
+ )
+
+ # write to index file
+ writeLines(contents, con = file.path(path, "RechnungGesamtbestand.R"))
+}
diff --git a/inst/rstudio/templates/project/LifeInsuranceContracts.dcf b/inst/rstudio/templates/project/LifeInsuranceContracts.dcf
new file mode 100644
index 0000000..ce4aeb5
--- /dev/null
+++ b/inst/rstudio/templates/project/LifeInsuranceContracts.dcf
@@ -0,0 +1,10 @@
+Binding: create_LIC_project
+Title: LifeInsuranceContracts Implementation
+Subtitle: Company-specific product definitions using the LifeInsuranceContracts package
+OpenFiles: RechnungGesamtbestand.R
+Caption: Company-specific LifeInsuranceContracts product implementation
+
+Parameter: Company
+Widget: TextInput
+Label: Company (letters only, no spaces, special characters etc.)
+
diff --git a/inst/rstudio/templates/project/LifeInsuranceContracts/.Rbuildignore b/inst/rstudio/templates/project/LifeInsuranceContracts/.Rbuildignore
new file mode 100644
index 0000000..0e18abd
--- /dev/null
+++ b/inst/rstudio/templates/project/LifeInsuranceContracts/.Rbuildignore
@@ -0,0 +1,8 @@
+^.*\.Rproj$
+^\.Rproj\.user$
+^Polizzeninfos/2020-
+^Polizzeninfos/2021-
+^Polizzeninfos/2022-
+^\.RData$
+^\.git$
+^Vergleichsrechner/
diff --git a/inst/rstudio/templates/project/LifeInsuranceContracts/.gitignore b/inst/rstudio/templates/project/LifeInsuranceContracts/.gitignore
new file mode 100644
index 0000000..3865c7e
--- /dev/null
+++ b/inst/rstudio/templates/project/LifeInsuranceContracts/.gitignore
@@ -0,0 +1,6 @@
+.Rproj.user
+.Rhistory
+.RData
+.Ruserdata
+Ergebnisse_Gesamtbestand_Vergleichsrechnung
+20*_Nachrechnung/
diff --git a/inst/rstudio/templates/project/LifeInsuranceContracts/DESCRIPTION b/inst/rstudio/templates/project/LifeInsuranceContracts/DESCRIPTION
new file mode 100644
index 0000000..1b35ed4
--- /dev/null
+++ b/inst/rstudio/templates/project/LifeInsuranceContracts/DESCRIPTION
@@ -0,0 +1,28 @@
+Package: LifeInsuranceContractsXXXCOMPANYXXX
+Type: Package
+Title: LifeInsuranceContract Implementation for XXXCOMPANYXXX
+Version: 0.1
+Date: 2023-12-31
+Description: Implementation of XXXCOMPANYXXX life insurance products.
+License: Proprietory (using XXXCOMPANYXXX's tariff plans)
+Authors@R: c(person("Firstname", "Lastname", role = c("aut", "cre"),
+ email = "email@example.com"))
+Author: Firstname Lastname [aut, cre]
+Maintainer: Firstname Lastname <email@example.com>
+Depends: R (>= 3.1.0),
+ LifeInsuranceContracts,
+ MortalityTables,
+ here
+Encoding: UTF-8
+LazyData: true
+Recommends:
+ openxlsx
+URL:
+BugReports:
+RoxygenNote: 7.2.3
+Collate:
+ 'XXXCOMPANYXXX_General.R'
+ 'XXXCOMPANYXXX_Tarif1.R'
+Suggests:
+ testthat (>= 3.0.0)
+Config/testthat/edition: 3
diff --git a/inst/rstudio/templates/project/LifeInsuranceContracts/NAMESPACE b/inst/rstudio/templates/project/LifeInsuranceContracts/NAMESPACE
new file mode 100644
index 0000000..6ae9268
--- /dev/null
+++ b/inst/rstudio/templates/project/LifeInsuranceContracts/NAMESPACE
@@ -0,0 +1,2 @@
+# Generated by roxygen2: do not edit by hand
+
diff --git a/inst/rstudio/templates/project/LifeInsuranceContracts/R/XXXCOMPANYXXX_General.R b/inst/rstudio/templates/project/LifeInsuranceContracts/R/XXXCOMPANYXXX_General.R
new file mode 100644
index 0000000..c571c78
--- /dev/null
+++ b/inst/rstudio/templates/project/LifeInsuranceContracts/R/XXXCOMPANYXXX_General.R
@@ -0,0 +1,197 @@
+library(tidyverse)
+
+##########################################################################m#
+# Datenstruktur für Tarife ####
+##########################################################################m#
+
+# Idea / approach taken from the `memoise` package (In-memory cache)
+# XXXCOMPANYXXX.Tariffs.init = function() {
+# tariffs = new.env(TRUE, emptyenv())
+# tariff_set = function(key, value) {
+# assign(key, value, envir = tariffs)
+# }
+# tariff_get = function(key) {
+# get(key, envir = tariffs, inherits = FALSE)
+# }
+# tariff_exists = function(key) {
+# exists(key, envir = tariffs)
+# }
+# list(
+# get = tariff_get,
+# set = tariff_set,
+# exists =
+# )
+# }
+#' @export
+XXXCOMPANYXXX.Tariffs = c()
+
+#' @export
+XXXCOMPANYXXX.register = function(Tarif, Produkt, GV = NULL, AVB = NULL) {
+ if (is.null(Produkt)) {
+ warning("Product name missing in call to XXXCOMPANYXXX.register!");
+ return();
+ }
+ locked = FALSE
+ # TODO: Unlocking does not work => Once the package is built/installed,
+ # new products/tariffs cannot be added via XXXCOMPANYXXX.register.
+ # => Figure out a way to store all registered tariffs in a list
+ # that is not locked / that can be unlocked!
+ if ("package:LifeInsuranceContractsXXXCOMPANYXXX" %in% search()) {
+ pkgenv = as.environment("package:LifeInsuranceContractsXXXCOMPANYXXX")
+ locked = bindingIsLocked("XXXCOMPANYXXX.Tariffs", pkgenv)
+ # if (locked) {
+ # unlockBinding("XXXCOMPANYXXX.Tariffs", pkgenv)
+ # locked = bindingIsLocked("XXXCOMPANYXXX.Tariffs", pkgenv)
+ # }
+ # nsenv = as.environment("namespace:LifeInsuranceContractsXXXCOMPANYXXX")
+ # locked = bindingIsLocked("XXXCOMPANYXXX.Tariffs", pkgenv)
+ # if (locked) {
+ # unlockBinding("XXXCOMPANYXXX.Tariffs", pkgenv)
+ # locked = bindingIsLocked("XXXCOMPANYXXX.Tariffs", pkgenv)
+ # }
+ }
+ # assign("XXXCOMPANYXXX.Tariffs", 123, -1, as.environment("package:LifeInsuranceContractsXXXCOMPANYXXX"))
+ # if (locked) {
+ # warning("")
+ # }
+ # unlockBinding("XXXCOMPANYXXX.Tariffs", as.environment("package:LifeInsuranceContractsXXXCOMPANYXXX"))
+ # unlockBinding(XXXCOMPANYXXX.Tariffs, pryr::where("XXXCOMPANYXXX.Tariffs"))
+ if (!locked && !is.null(GV) && !is.null(AVB)) {
+ XXXCOMPANYXXX.Tariffs[[paste0(Produkt, "/GV", GV, "/AVB", AVB)]] <<- Tarif
+ }
+ if (!locked && !is.null(GV)) {
+ XXXCOMPANYXXX.Tariffs[[paste0(Produkt, "/GV", GV)]] <<- Tarif
+ }
+ if (!locked && !is.null(AVB)) {
+ XXXCOMPANYXXX.Tariffs[[paste0(Produkt, "/AVB", AVB)]] <<- Tarif
+ }
+ Tarif
+}
+#' @export
+XXXCOMPANYXXX.Tariff = function(Produkt, GV = NULL, AVB = NULL) {
+ if (is.null(Produkt)) {
+ warning("Tariff name missing in call to XXXCOMPANYXXX.Tariff!");
+ return(NULL);
+ }
+ if (is.null(GV) && is.null(AVG)) {
+ warning("Both profit class and terms indicator missing in call to XXXCOMPANYXXX.Tariff!");
+ return(NULL);
+ }
+ id = Produkt;
+ if (!is.null(GV)) {
+ id = paste0(id, "/GV", GV);
+ }
+ if (!is.null(AVB)) {
+ id = paste0(id, "/AVB", AVB);
+ }
+ XXXCOMPANYXXX.Tariffs[[id]]
+}
+
+
+##########################################################################m#
+# GEWINNBETEILIGUNGSSÄTZE ####
+##########################################################################m#
+
+
+XXXCOMPANYXXX.Gesamtverzinsung = c(
+ `2000` = 0.07,
+ `2005` = 0.05,
+ `2006` = 0.045,
+ `2005` = 0.04,
+ `2006` = 0.035,
+ `2007` = 0.03,
+ `2012` = 0.025,
+ `2015` = 0.02,
+ `2020` = 0.0175,
+ `2023` = 0.015
+)
+
+
+##########################################################################m#
+# STERBETAFELN ####
+##########################################################################m#
+
+
+mortalityTables.load("Austria_Census")
+mortalityTables.load("Austria_Annuities_EROMF")
+mortalityTables.load("Austria_Annuities_AVOe2005R")
+mortalityTables.load("Austria_Annuities_AVOe1996R")
+
+
+##########################################################################m#
+# Österr. Volkssterbetafel 2000/02 ####
+
+#' @export
+XXXCOMPANYXXX.Sterbetafel2001 = function(params, ...) {
+ if (params$ContractData$sex == "female") {
+ mort.AT.census.2001.female
+ } else {
+ mort.AT.census.2001.male
+ }
+}
+
+#' @export
+XXXCOMPANYXXX.Sterbetafel2001.unisex = mortalityTable.mixed(
+ name = "ÖVSt 2000/02 unisex 70:30",
+ table1 = mort.AT.census.2001.male, weight1 = 70,
+ table2 = mort.AT.census.2001.female, weight2 = 30
+)
+
+
+
+
+
+##########################################################################m#
+# Rententafel AVÖ 1996-R ####
+
+#' @export
+XXXCOMPANYXXX.AVOe1996R.AV = function(params, ...) {
+ if (params$ContractData$sex == "female") {
+ AVOe1996R.male.av325
+ } else {
+ AVOe1996R.female.av325
+ }
+}
+
+
+
+
+
+
+##########################################################################
+# RÜCKKAUFSFORMELN ####
+##########################################################################m#
+
+#' @export
+XXXCOMPANYXXX.surrender.increasing90 = function(surrenderReserve, params, values) {
+ n = params$ContractData$policyPeriod;
+ surrenderReserve * (0.9 + 0.08*pmax(((0:n) - 3) / (n - 3), 0))
+}
+
+
+##########################################################################m#
+# KOSTENFORMELN ####
+##########################################################################m#
+
+
+
+##########################################################################m#
+# RABATTFORMELN ####
+##########################################################################m#
+
+
+
+##########################################################################m#
+# TECHNISCHES ALTER ####
+##########################################################################m#
+
+#' z.B. Frauen werden um 5 Jahre verjüngt, Mindestalter 20
+#' etc.
+
+
+
+
+##########################################################################m#
+# TARIFSPEZIFIKA (HOOKS) der XXXCOMPANYXXX ####
+##########################################################################m#
+
diff --git a/inst/rstudio/templates/project/LifeInsuranceContracts/R/XXXCOMPANYXXX_Gewinnplan1.R b/inst/rstudio/templates/project/LifeInsuranceContracts/R/XXXCOMPANYXXX_Gewinnplan1.R
new file mode 100644
index 0000000..c583001
--- /dev/null
+++ b/inst/rstudio/templates/project/LifeInsuranceContracts/R/XXXCOMPANYXXX_Gewinnplan1.R
@@ -0,0 +1,42 @@
+#' @include XXXCOMPANYXXX_General.R
+
+############################################################################~#
+# XXXCOMPANYXXX Gewinnplan 1 ####
+# Profits: ####
+# * Interest profit: (profit rate - guaranteed interest)*reserve ####
+# * Terminal profit: once/twice the last interest profit assignment ####
+############################################################################~#
+
+
+#' @export
+XXXCOMPANYXXX.Gewinnplan1 = ProfitParticipation$new(
+ name = "XXXCOMPANYXXX Gewinnplan 1, Version 1",
+ profitComponents = c("interest", "terminal"),
+ profitClass = "1",
+
+ waitingPeriod = 3,
+
+ guaranteedInterest = 0.03,
+ interestProfitRate = pmax(XXXCOMPANYXXX.Gesamtverzinsung - 0.03, 0),
+ totalInterest = XXXCOMPANYXXX.Gesamtverzinsung,
+ getTerminalBonusRate = function(res, rates, params, values) {
+ # Schlussgewinn (Vielfaches des letzten Zinsgewinns)
+ # lfd. Prämie: LZ<20: 1x, LZ>=20: 2x
+ if (params$ContractData$policyPeriod < 20) {
+ 1
+ } else {
+ 2
+ }
+ },
+
+ getInterestOnProfits = PP.rate.interestProfitPlusGuarantee,
+
+ getInterestProfitBase = PP.base.contractualReserve,
+ getTerminalBonusBase = PP.base.totalProfitAssignment,
+
+ calculateSurvivalBenefit = function(profits, rates, ...) { profits[,"regularBonus"] * (1 + rates$guaranteedInterest + rates$interestProfitRate) + profits[,"terminalBonus"]},
+ calculateDeathBenefitAccrued = PP.benefit.Profit,
+ calculateSurrenderBenefitAccrued = PP.benefit.Profit,
+ calculatePremiumWaiverBenefitAccrued = PP.benefit.Profit,
+ calculatePremiumWaiverBenefitTerminal = PP.benefit.None
+);
diff --git a/inst/rstudio/templates/project/LifeInsuranceContracts/R/XXXCOMPANYXXX_Tarif1.R b/inst/rstudio/templates/project/LifeInsuranceContracts/R/XXXCOMPANYXXX_Tarif1.R
new file mode 100644
index 0000000..22311d8
--- /dev/null
+++ b/inst/rstudio/templates/project/LifeInsuranceContracts/R/XXXCOMPANYXXX_Tarif1.R
@@ -0,0 +1,37 @@
+#' @include XXXCOMPANYXXX_General.R
+
+
+##############################################################################m##
+# Tarif1
+##############################################################################m##
+
+# XXXCOMPANYXXX Versicherung, Tarif 1
+# Typ: Endowment with level death and survival benefits, level premiums
+# Guaranteed interest: i=3%, Mortality rates: XXXCOMPANYXXX.Sterbetafel2001.unisex
+
+XXXCOMPANYXXX.costs = initializeCosts(
+ alpha = 0.04, Zillmer = 0.025,
+ beta = 0.02,
+ gamma = 0.002,
+ gamma.paidUp = 0.005
+)
+
+#' @export
+XXXCOMPANYXXX.Tarif1 = InsuranceTarif$new(
+ name = "Tarif1",
+ type = "endowment",
+ tarif = "Endowment Comfort",
+ desc = "Endowment with level death and survival benefits, level premiums, guaranteed interest 3%",
+
+ mortalityTable = XXXCOMPANYXXX.Sterbetafel2001.unisex,
+ i = 0.03,
+ tax = 0.04,
+ costs = XXXCOMPANYXXX.costs,
+ premiumFrequencyLoading = freqCharge(3, 2, 1, 0),
+
+ surrenderValueCalculation = XXXCOMPANYXXX.surrender.increasing90,
+ profitParticipationScheme = XXXCOMPANYXXX.Gewinnplan1
+) %>%
+ XXXCOMPANYXXX.register("Tarif1", GV = "1");
+
+
diff --git a/inst/rstudio/templates/project/LifeInsuranceContracts/R/XXXCOMPANYXXX_Tarif2.R b/inst/rstudio/templates/project/LifeInsuranceContracts/R/XXXCOMPANYXXX_Tarif2.R
new file mode 100644
index 0000000..18ae9aa
--- /dev/null
+++ b/inst/rstudio/templates/project/LifeInsuranceContracts/R/XXXCOMPANYXXX_Tarif2.R
@@ -0,0 +1,46 @@
+#' @include XXXCOMPANYXXX_General.R
+
+
+##############################################################################m##
+# Tarif2
+##############################################################################m##
+
+# XXXCOMPANYXXX Versicherung, Tarif2
+# Whole life insurance
+
+XXXCOMPANYXXX.costs2 = initializeCosts(
+ alpha = 0.035,
+ gamma = 0.005,
+ gamma.paidUp = 0.005
+)
+
+#' @export
+XXXCOMPANYXXX.Tarif2 = InsuranceTarif$new(
+ name = "Tarif2",
+ type = "wholelife",
+ tarif = "Death Comfort",
+ desc = "Whole life insurance with single premium, guaranteed interest 3%",
+
+ mortalityTable = XXXCOMPANYXXX.Sterbetafel2001.unisex,
+ i = 0.03,
+ tax = 0.04,
+ costs = XXXCOMPANYXXX.costs2,
+ premiumFrequencyLoading = freqCharge(3, 2, 1, 0),
+
+ sumRebate = function(params, values) {
+ SI = params$ContractData$sumInsured
+ if(SI >= 1000000) {
+ 0.002
+ } else if (500000 <= SI) {
+ 0.001
+ } else if (200000 <= SI) {
+ 0.0005
+ } else {
+ 0
+ }
+ },
+ surrenderValueCalculation = XXXCOMPANYXXX.surrender.increasing90
+) %>%
+ XXXCOMPANYXXX.register("Tarif2", GV = "2");
+
+
diff --git a/inst/rstudio/templates/project/LifeInsuranceContracts/XXXCOMPANYXXXRechnungGesamtbestand.R b/inst/rstudio/templates/project/LifeInsuranceContracts/XXXCOMPANYXXXRechnungGesamtbestand.R
new file mode 100644
index 0000000..8414a92
--- /dev/null
+++ b/inst/rstudio/templates/project/LifeInsuranceContracts/XXXCOMPANYXXXRechnungGesamtbestand.R
@@ -0,0 +1,561 @@
+# This file was created from a template provided by the LifeInsuranceContracts
+# package. It's purpose is to read in a set of contract data and calculate the
+# corresponding reserves (e.g. to validate the official numbers in the financial
+# statements).
+#
+# Steps:
+# 1. Implement the corresponding products in the files in the R/ subdirectory.
+# Use the LifeInsuranceContracts documentation available at
+# https://cran.r-project.org/web/packages/LifeInsuranceContracts/vignettes/using-the-lifeinsurancecontracts-package.html
+# 2. Install the package (using the "Install" button in RStudio's "Build" pane)
+# 3. Set up the mapping of the columns of the contract data source to the package's arguments.
+# The columns of the input data can be directly mapped to named arguments in LifeInsuranceContract$new(..) calls.
+# 4. If some columns need manual modifications (e.g. sex or frequencies
+# expressed with other values than the package expects), update the
+# VTmodify.* functions below correspondingly.
+# 5. Update the column types in the readXXXCOMPANYXXXBestand(..) function. This helps
+# preventing errors, as these columnt are always cast to the required type.
+# 6. The calculate_contract(..) function might need to some adjustments /
+# modifications, in particular when modified contracts, premiums waivers,
+# additional tariffs / single-payment add-ons etc. are present.
+# 7. Depending on which columns / data are available in the company-provided
+# contract data, the column modifications / calculations of other reserves,
+# etc. at the end of the calculate_portfolio(...) function might need to
+# be adjusted.
+# 8. Update the `files` and `outfile` variables to point to the input files
+# ("Bestandsdaten") and the output file name
+# 9. Call the calculate_portfolio function on the contract data set (potentially
+# filtered to some subsets to prevent performance issues)
+#
+# Typically, a call to calculate a portfolio and store the results in a dedicated
+# (Excel) output file is:
+# results = NULL; results = calculate_portfolio(bestandinfos.all,
+# tarif = c("ProdName1", "ProdName2"), GV = c("123"), debug =TRUE)
+# results %>%
+# openxlsx::write.xlsx(outfile("Prods-1-2"), asTable = TRUE,
+# overwrite = TRUE, creator = "Your Name",
+# sheetName = "Vergleichsrechnung", tabColour = "#FFE600")
+# openXL(outfile("Prods-1-2"))
+#
+#
+#
+# General Overview of the calculation procedure
+# 1. The contract data are read in from the filenames provided in the `files`
+# list and stored in the data.frame called `bestandinfos.all`.
+# a. Each file is read using the function `readXXXCOMPANYXXXBestand`.
+# b. The `readXXXCOMPANYXXXBestand` function uses read_excel to read in the raw data,
+# then ensures the defined columns have the proper data type.
+# c. The columns are renamed according to the mapping in `colMapping`
+# d. All contracts are sorted by `Polizzennummer`
+# e. Additional modifications are done by the function `VTmodify.general`.
+# f. Further custom modifications can be manually added either in readXXXCOMPANYXXXBestand or in VTmodify.general
+# 2. All contracts are calculated by a call to `calculate_portfolio`. The arguments
+# tarif and GV can be used to restrict the calculation only to certain
+# products and/or profit classes. Additionally, n_max can be used to
+# calculate only the first n_max contracts.
+# The `calculate_portfolio` function does its work with the following steps:
+# a. The portfolio data is filted with the given tariff, GV, skip, n_max arguments
+# b. Only the relevant columns of the portfolio data are taken, some
+# sanity checks (sumInsured > 0, premiumFrequency >= 0) are applied.
+# c. Grouping happend by column SliceID. This allows humtiple portfolio
+# data rows to be combined to one contract with several slices / sum
+# increases, which are calculated as one contract (see section "10.3
+# Dynamic Increases" of the LifeInsuranceContracts vignette). If each
+# slice / dynamic increase is supposed to be calculated individually
+# and independent from the main contract / other increases, then the
+# column mapped to the SliceID column needs to have a different value
+# for each portfolio data row. If SliceID uses contract numbers, all
+# dynamics, etc. belonging to the same contract number will be combined
+# and calculated using $addDynamics
+# d. Each contract (entries with distinct SliceID value) is calculated in
+# a loop using the by_slice function, which calls the calculate_contract
+# function for each contract.
+# 3. The `calculate_contract` function calculates one individual contract, with
+# the individual columns of the portfolio data passed as named parameters
+# to the function.
+# a. A progress message is printed (if applicable)
+# b. All slices are arranged by date, with the slice starting first
+# assumed to be the main contract part.
+# c. For the main contract, an instance of the LifeInsuranceContract
+# (with the given tariff / product) is created and all values of the
+# contract are automatically calculated by the package by default.
+# d. All additional slices (e.g. dynamic increases) with the same SliceID
+# are added using the $addDynamics method of the LifeInsuranceContract
+# class. The slice start date and duration are adjusted correspondingly.
+# e. The reserves are extracted from the contract and stored in the final
+# data.frame
+# z. If debug=TRUE, a column is added to the resulting data.frame containing the R code to reproduce with full contract.
+# 4. The calculate_portfolio combines the data.frames returned for each
+# contract's calculate_contract call into one large data frame, adds some
+# derived columns and returns the data frame as result of the calculations.
+#
+#
+#
+# COLUMN MAPPING
+# --------------
+# The following columns / named parameters are typically used by a LifeInsuranceTariff
+# implementation or the concrete contract as a LifeInsuranceContract object. Most
+# parameters are not mandatory.
+# Additional arguments / columns are possible and will be preserved, even if
+# they are not used by the contract.
+# * `Polizzennummer`
+# * `SliceID`
+# * `balanceSheetDate`
+# * `tarif`
+# * `GV`
+# * `i`
+# * `sex`
+# * `age`
+# * `contractClosing`
+# * `sliceDate`
+# * `policyPeriod`
+# * `premiumPeriod`
+
+# * `premiumFrequency`
+# * `annuityFrequency`
+# * `sumInsured`
+
+# Columns used for comparison with the calculated values:
+# * `Bruttoprämie`
+# * `Sparprämie`
+# * `Risikoprämie`
+# * `Kostenprämie`
+# * `Bilanzreserve`
+# * `Gewinnreserve`
+# * `Prämienübertrag`
+
+################################################################################
+
+
+library(here)
+library(lubridate)
+library(readxl)
+library(magrittr)
+library(purrr)
+library(purrrlyr)
+library(openxlsx)
+library(tictoc)
+library(tidyverse)
+library(LifeInsuranceContractsXXXCOMPANYXXX)
+mortalityTables.load("Austria_*")
+
+
+
+########################################################################m#
+# Database structure definitions / mapping ####
+########################################################################m#
+
+colMapping = c(
+ # Polizzen- und Tarifdefinition
+ `Polizzennummer` = "PolNr",
+ `SliceID` = "PolNr", # Grouping will happen by SliceID
+ `balanceSheetDate` = "Datum",
+ `tarif` = "Produkt", # Used to search for the LifeInsuranctTarif object
+ `GV` = "Gewinnverband",
+
+ # Parameter des Vertrags
+ `i` = "Garantiezins",
+ `sex` = "Geschlecht",
+ `age` = "Eintrittsalter", # Alternatively, birth can be given
+ # `birthDate` = "GebDat",
+ `contractClosing` = "Abschluss",
+ `sliceDate` = "Abschluss",
+ `policyPeriod` = "LZ",
+
+ `premiumFrequency` = "ZW",
+ `sumInsured` = "vs",
+ `initialCapital` = "Anfangskapital",
+ `costWaiver` = "Kostenverzicht",
+
+ # Kontrollgrößen (lt. Geschäftsplan abgeleitet)
+
+ `Bruttoprämie` = "BPr",
+ `Sparprämie` = "SparPr",
+ `Risikoprämie` = "RisikoPr",
+ `Kostenprämie` = "KostenPr",
+
+ # Deckungskapital am jeweiligen Jahrestag der Versicherung
+ `DKt` = "VK",
+ `DKt+1` = "VK1",
+ `DKt+2` = "VK2",
+
+ # Bilanzwerte
+ `Bilanzreserve` = "BilRes",
+ `Gewinnreserve` = "GewRes",
+ `Bilanz-Verwaltungskostenreserve` = "VerwKostRes",
+ `Netto-Bilanzreserve` = "NettoBilRes"#,
+ # `Prämienübertrag` = "???"
+)
+colNamesRelevant = names(colMapping) %>% `[<-`(., . == "", NA_character_) %>% coalesce(colMapping)
+
+Problempolizzen = c()
+
+
+
+########################################################################m#
+# Helper functions ####
+########################################################################m#
+
+cleanDate = function(dt) {
+ if (is.POSIXct(dt) || is.POSIXlt(dt) || is.Date(dt) || is.logical(dt))
+ as.Date(dt)
+ else if (is.numeric(dt))
+ as.Date(dt, origin = "1899-12-30")
+ else if (is.character(dt)) {
+ warning("date column was read in as string: ", dt)
+ Reduce(c, map(dt, function(d) {
+ # browser()
+ if (is.character(d) && !is.na(d) && str_detect(d, "^[0-9]+$"))
+ d = as.numeric(d)
+ if (is.numeric(d))
+ return(as.Date(d, origin = "1899-12-30"))
+ as.Date(d)
+ }))
+ }
+}
+
+
+
+VTmodify.general = function(data) {
+ #browser()
+
+ data %>%
+ separate(tarif, into = c("tarif", "Produkt"), sep = "[ ]+", extra = "merge", fill = "left") %>%
+ mutate(
+ sex = recode(
+ as.character(sex),
+ "M" = "male", "W" = "female", "F" = "female", "U" = "unisex",
+ "m" = "male", "w" = "female", "f" = "female", "u" = "unisex",
+ `0` = "male", `1` = "female", .default = "unisex"),
+ premiumFrequency = recode(
+ as.character(premiumFrequency),
+ "J" = 1, "H" = 2, "V" = 4, "M" = 12, "E" = 0, .default = 1),
+ policyPeriod = round(time_length(difftime(policyPeriod, contractClosing), "years")),
+
+ # TODO: Apply further adjustments to the input data, e.g.
+ # costWaiver = ifelse(costWaiver == "N", 0, 1),
+ # sumRebate = -sumRebate,
+ # sumInsured = if_else(VS == 0, Rentenhoehe, VS),
+
+ # TODO: Rabatte, etc.
+
+ id = paste0(tarif, "/GV", GV)
+ )
+}
+
+
+########################################
+readXXXCOMPANYXXXBestand = function(file, sheet = 1, ...) {
+ charColumns = c(
+ "tarif", "GV"
+ )
+ dateColumns = c(
+ "balanceSheetDate",
+ "contractClosing",
+ "sliceDate",
+ "birthData"
+ );
+ percentColumns = c(
+ "i"
+ )
+ permilleColumns = c(
+
+ )
+ numericColumns = c(
+ "policyPeriod", "age",
+ "sumInsured", "initialCapital"
+ );
+ mapping = colMapping[names(colMapping) != ""]
+
+ # browser()
+ data = read_excel(file, sheet = sheet, ..., na = c("", "01.01.0100", "01.01.1000", "-328716", -328716)) %>%
+ # Apply all renamings from colMapping:
+ select(all_of(mapping), !all_of(mapping)) %>%
+ mutate(
+ across(any_of(dateColumns), cleanDate),
+ across(any_of(numericColumns), as.numeric),
+ across(any_of(charColumns), as.character),
+ across(any_of(percentColumns), function(x) { as.numeric(x)/100 }),
+ across(any_of(permilleColumns), function(x) { as.numeric(x)/1000 })
+ ) %>%
+ arrange(Polizzennummer) %>% # Sortiere Verträge nach Polizzennummer
+ VTmodify.general()
+ data
+
+}
+
+
+###############################################################m#
+## Definitionen: Kontrollrechnung der Deckungsrückstellung ####
+###############################################################m#
+
+CountPol = 0
+CountSlice = 0
+
+calculate_contract = function(ctr.data, balanceSheetDate = as.Date("2023-12-31"), progress = 100, tariffs = XXXCOMPANYXXX.Tariffs, debug = FALSE, ...) {
+ # browser()
+ CountPol <<- CountPol + 1
+ CountSlice <<- CountSlice + NROW(ctr.data)
+ # browser()
+ if (CountPol %% progress == 0) {
+ print(paste0(CountPol, "/", CountSlice, ": Vertrag Nr. ", ctr.data[[1, "Polizzennummer"]], ", Tarif:", ctr.data[[1, "tarif"]], " GV", ctr.data[[1, "GV"]], ", ", NROW(ctr.data), " Scheiben"))
+ }
+
+ # Main part is the slice that
+ # a) starts first.
+ # If two slices start at the same time, main part is
+ # b) the one with an initialCapital, or
+ # c) the one with the longest premium period (to exclude single payments from being the main part) or
+ # d) the highest sum insured
+ ctr.data = ctr.data %>% arrange(sliceDate, desc(initialCapital), desc(premiumPeriod), desc(sumInsured))
+ mainPart.orig = head(ctr.data, 1)
+ mainPart.begin = mainPart.orig$sliceDate
+
+ # Simplification: Adjust main part so the contract end is always a full number of
+ # years away (otherwise the reserves towards the end will be off considerably)
+ # if (!is.na(mainPart.orig$Vertragsende)) {
+ # mainPart.begin = mainPart.orig$sliceDate %>%
+ # `month<-`(month(mainPart.orig$Vertragsende))
+ # }
+ # Changes in the current year might move the date after the balance sheet
+ # date => as a workaround let the contract begin last year!
+ while (mainPart.begin > balanceSheetDate) {
+ year(mainPart.begin) = year(mainPart.begin) - 1
+ }
+
+ # If main part begins after contract, adjust the contract date to the main part's begin
+ # Also recalculate the policy period from the (potentially changed) start and end dates of the main slice
+ ctr.data = ctr.data %>%
+ mutate(contractClosing = mainPart.begin)
+
+ mainPart = head(ctr.data, 1) #%>%
+ # mutate(policyPeriod = year(Vertragsende) - year(contractClosing))
+ dynamics = tail(ctr.data, -1)
+ # browser()
+
+ # Calculate main part
+ args = as.list(mainPart)
+ tarifName = args$tarif;
+ tarifID = paste0(tarifName, "/", args$GV);
+ args$tarif = XXXCOMPANYXXX.Tariff(tarifName, args$GV)
+
+ if (is.null(args$tarif)) {
+ warning("Unable to find Tarif for Product/GV", tarifID)
+ return(
+ data.frame(tarif = "?", mainPart.orig, Scheiben = NROW(ctr.data), date = balanceSheetDate, time = 0, Zillmer = 0, gamma = 0, `Balance Sheet Reserve` = 0, `unearned Premiums` = 0)
+ )
+ }
+
+ ###################
+ # Tariff-specific adjustments to the input data:
+ #------------------
+ # TODO: Implement all required tariff-specific adjustments here
+
+ if (debug) {
+ dbg.args = args;
+ dbg.args$tarif = NULL;
+
+ arguments = sapply(substitute(list(...))[-1], deparse);
+ prepare.dbg.args = function(x) {
+ if (is.function(x)) {paste(deparse(x), collapse = "\n\t\t")}
+ else if (is.expression(x)) {as.character(x)}
+ else if (is.na(x)) {x}
+ else if (is.numeric(x)) {x}
+ else if (is.character(x)) {deparse(as.character(x))}
+ else if (is.Date(x)) {paste0("as.Date(\"", x, "\")")}
+ else if (is.list(x)) {deparse(x)}
+ else x
+ }
+
+ code = paste0(
+ "InsuranceContract$new(\n\t",
+ paste(
+ c(
+ paste0("XXXCOMPANYXXX.Tariff(\"", tarifName, "\", ", dbg.args$GV, ")"), # ? und 117
+ paste(paste0("`", names(dbg.args), "`"), map(dbg.args, prepare.dbg.args), sep = " = ", collapse = ",\n\t"),
+ paste0("balanceSheetDate = as.Date(\"", balanceSheetDate, "\")"),
+ paste(names(arguments), arguments, sep = " = ", collapse = ",\n\t")
+ ),
+ collapse = ", \n\t"
+ ),
+ ")");
+ }
+ contract = do.call(
+ InsuranceContract$new,
+ c(args, list(balanceSheetDate = balanceSheetDate, ...))
+ )
+
+ # Loop through all dynamics and call contract$addDynamics
+ by_row(dynamics, function(dyn, ...) {
+ # Vereinfachte Annahme: Dynamik ist immer am Jahrestag der Versicherung => Vergleiche nur Vertrags- mit Scheibenbeginnjahr
+ # TODO: Einmal-Zuzahlungen müssen erkannt und anders gehandhabt werden!
+ t = year(dyn$sliceDate) - year(dyn$contractClosing)
+ contract$addDynamics(t = t, SumInsuredDelta = dyn$sumInsured)
+ if (debug) {
+ code <<- paste0(code, "$\naddDynamics(t = ", t, ", SumInsuredDelta = ", dyn$sumInsured, ")")
+ }
+ }, ...)
+
+
+ Bilanzreserve = contract$Values$reservesBalanceSheet %>% `colnames<-`(c("Datum", "t", "Res.Netto.EY", "Res.Zillmer.EY", "Res.VwK.EY", "BilRes.EY", "PÜ.EY"))
+ BilDRSt = Bilanzreserve %>% filter(Datum == balanceSheetDate)
+ if (debug) {
+ BilDRSt$code = code
+ }
+ t = which(Bilanzreserve$Datum == balanceSheetDate)
+
+ data.frame(
+ tarif = contract$tarif$name,
+ mainPart.orig,
+ Scheiben = NROW(ctr.data),
+
+ # TODO: Weitere Vergleichswerte zurückliefern
+ Premium.net.Cmp = contract$Values$premiumComposition[[t, "net"]],
+ Premium.Zillmer.Cmp = contract$Values$premiumComposition[[t, "Zillmer"]],
+ Premium.gross.Cmp = contract$Values$premiumComposition[[t, "gross"]],
+ Premium.written.Cmp = contract$Values$premiumComposition[[t, "charged"]] - contract$Values$premiumComposition[[1, "tax"]],
+ Premium.savings.Cmp = contract$Values$premiumComposition[[t, "savings"]],
+ Premium.risk.Cmp = contract$Values$premiumComposition[[t, "risk"]],
+ Premium.alphaZ.Cmp = contract$Values$premiumComposition[[t, "alpha.Zillmer"]],
+ Premium.costs.Cmp = "TODO",
+ Premium.gamma.Cmp = contract$Values$premiumComposition[[t, "gamma"]],
+ Premium.sumRebate.Cmp = -contract$Values$premiumComposition[[t, "rebate.sum"]],
+
+ DKt.Cmp = contract$Values$reserves[[t, "contractual"]],
+ `DKt+1.Cmp` = if (t+1 > NROW(contract$Values$reserves)) 0 else contract$Values$reserves[[t+1, "contractual"]],
+ `DKt+2.Cmp` = if (t+2 > NROW(contract$Values$reserves)) 0 else contract$Values$reserves[[t+2, "contractual"]],
+
+ BilDRSt)
+}
+
+
+calculate_portfolio = function(bestand, tarif = NULL, GV = NULL, n_max = Inf, skip = 0, progress = 25, debug = FALSE, ...) {
+ # browser()
+ if (!missing(tarif) && !is.null(tarif)) {
+ bestand = filter(bestand, tarif %in% !!tarif)
+ }
+ if (!missing(GV) && !is.null(GV)) {
+ bestand = filter(bestand, GV %in% !!GV)
+ }
+ if (!missing(skip) && !is.null(skip) && skip > 0) {
+ bestand = tail(bestand, -skip)
+ }
+ if (!missing(n_max) && !is.null(n_max) && n_max < Inf && n_max>0) {
+ bestand = head(bestand, n_max)
+ }
+
+ input = bestand %>%
+ select(all_of(colNamesRelevant)) %>%
+ filter(sumInsured > 0, premiumFrequency >= 0) %>% # <- Sanity Checks!
+ # group_by(Polizzennummer)
+ group_by(SliceID)
+
+ CountPol <<- 0
+ CountSlice <<- 0
+ tic()
+ # browser()
+ Werte.berechnet = input %>%
+ by_slice(calculate_contract, balanceSheetDate = ymd("2021-12-31"), .collate = "rows", progress = progress, debug = debug, ...)
+ toc()
+
+ Werte.berechnet %>%
+ mutate(
+ across(any_of(
+ c("contractClosing", "sliceDate", "premiumWaiverDate", "date", "birthDate")
+ ), as.Date, origin = "1970-01-01")) %>%
+ mutate(
+ # TODO: Implement comparisons to all values given in the XXXCOMPANYXXX portfolio file!
+ #date = as.Date(date, origin = "1970-01-01"),
+ BilRes.VU = bestand$Bilanzreserve, #`Bilanzreserve`, #+ `Bilanz.Verwaltungskostenreserve` ,#+ `Reserve.prämienfrei`,
+ Fehlbetrag = BilRes.Cmp - BilRes.VU,
+ `abs.FB` = abs(Fehlbetrag),
+ `rel.FB` = Fehlbetrag / BilRes.Cmp,
+ # `abs.FB NP` = abs(`Premium.net` - `Nettoprämie`),
+ `abs.FB BP` = abs(`Premium.gross.Cmp` - `Bruttoprämie`),
+ # `Monate verschoben` = (month(Vertragsende) != month(sliceDate)),
+ exclude = c(""),
+ Grund = c(""),
+ Bilanzdaten = NULL
+ )
+}
+
+
+
+
+
+###############################################################m#
+## Bestände einlesen ####
+###############################################################m#
+
+files = c(
+ # here("Polizzeninfos", "2021-YE", "Einzelposten_2112.xlsx")
+ here("Polizzeninfos", "2022-YE", "Einzelposten_2212.xlsx")
+)
+outfile = function(tarif) { here(paste0("XXXCOMPANYXXX_2022-YE_Vergleichsrechnung", paste(tarif, collapse = "_", sep= "_"), ".xlsx"))}
+
+bestandinfos.all = bind_rows(map(unique(unname(unlist(files))), readXXXCOMPANYXXXBestand, skip = 0, guess_max = 99999, n_max = 99999))
+bestandinfos.all %<>%
+ filter(SATZTYP != "3A")
+
+# Filter out all problematic contracts
+bestandinfos = bestandinfos.all %>%
+ filter(!Polizzennummer %in% Problempolizzen)
+
+
+
+## PLAUSICHECKS auf Bestandsinfo: ####
+
+# Gesamtzahl verschiedene Polizzen
+bestandinfos.all$Polizzennummer %>% unique %>% length
+bestandinfos$Polizzennummer %>% unique %>% length
+
+# 1) Schnelle übersicht über Anzahl Scheiben pro Vertrag
+bestandinfos %>%
+ group_by(Polizzennummer) %>%
+ summarize(n = n()) %>%
+ group_by(n) %>% summarize(Anzahl = n())
+bestandinfos %>%
+ group_by(Polizzennummer) %>%
+ summarize(n = n()) %>%
+ ggplot(aes(x = n)) + geom_histogram(binwidth = 1) +
+ stat_bin(aes(y=..count.., label=..count..), geom= "text", vjust=-.5)
+
+# 2) Überblick über Verträge, deren Scheiben alle nach Vertragsbeginn beginnen (Vertragsänderungen)
+
+
+# 3) Prämienfreigestellte Verträge:
+# -) Scheiben, die ab Abschluss prämienfrei sind
+# -) Haben HV und alle Scheiben denselben Prf-Zeitpunkt?
+
+# 4) Basic sanity checks: VS<0, keine Prämienzahlung
+bestandinfos %>% filter(premiumFrequency < 1)
+bestandinfos %>% filter(sumInsured <= 0)
+bestandinfos %>% filter(sliceDate < contractClosing)
+
+
+bestandinfos %>%
+ group_by(Polizzennummer, GV) %>%
+ summarize(Anzahl = n()) %>%
+ filter(Anzahl>1)
+
+
+##############################################################################m#
+##
+## CALCULATION ####
+##
+##############################################################################m#
+
+
+# Calculate Tarif1 and Tarif2 => Copy and adjust for each run / company-specific implementation
+
+results = NULL;
+results = calculate_portfolio(bestandinfos.all,
+ tarif = c("Tarif1", "Tarif2"),
+ #GV = c("108", "109", "111", "113", "115", "117"),
+ progress = 1, n_max = 9999, debug =TRUE)
+results %>%
+ openxlsx::write.xlsx(outfile("Tarif-1-2"), asTable = TRUE, overwrite = TRUE, sheetName = "Vergleichsrechnung", tabColour = "#80FF8F")
+openXL(outfile("Tarif-1-2"))
+
+
+
diff --git a/inst/rstudio/templates/project/LifeInsuranceContracts/tests/testthat.R b/inst/rstudio/templates/project/LifeInsuranceContracts/tests/testthat.R
new file mode 100644
index 0000000..e0b550c
--- /dev/null
+++ b/inst/rstudio/templates/project/LifeInsuranceContracts/tests/testthat.R
@@ -0,0 +1,4 @@
+library(testthat)
+library(LifeInsuranceContractsXXXCOMPANYXXX)
+
+test_check("LifeInsuranceContractsXXXCOMPANYXXX")
diff --git a/inst/rstudio/templates/project/LifeInsuranceContracts/tests/testthat/.gitignore b/inst/rstudio/templates/project/LifeInsuranceContracts/tests/testthat/.gitignore
new file mode 100644
index 0000000..66e54ae
--- /dev/null
+++ b/inst/rstudio/templates/project/LifeInsuranceContracts/tests/testthat/.gitignore
@@ -0,0 +1 @@
+testthat-problems.rds
diff --git a/inst/rstudio/templates/project/LifeInsuranceContracts/tests/testthat/test-Tarif1.R b/inst/rstudio/templates/project/LifeInsuranceContracts/tests/testthat/test-Tarif1.R
new file mode 100644
index 0000000..dc411b5
--- /dev/null
+++ b/inst/rstudio/templates/project/LifeInsuranceContracts/tests/testthat/test-Tarif1.R
@@ -0,0 +1,41 @@
+# LifeInsuranceContracts::vmGlgExample.generateTest(
+# XXXCOMPANYXXX.Tarif1,
+# age=35, policyPeriod=30, sumInsured=100000,
+# contractClosing = as.Date("2000-07-01"))
+
+
+test_that("Tarif1", {
+ contract = InsuranceContract$new(
+ XXXCOMPANYXXX.Tarif1,
+ age = 35,
+ policyPeriod = 30,
+ sumInsured = 100000,
+ contractClosing = as.Date("2000-07-01")
+ );
+ exportInsuranceContract.xlsx(contract, here("test-Tarif1.xlsx"))
+ openxlsx::openXL(here("test-Tarif1.xlsx"))
+ # showVmGlgExamples(contract, t = 10, prf = 10, t_prf = 12);
+
+ testVmGlgExample(
+ contract,
+ t = 10, prf = 10, t_prf = 12,
+ net = 2208.00,
+ Zillmer = 2308.67,
+ gross = 2621.51,
+ written = 2726.37,
+ savings = 2126.58,
+ risk = 182.10,
+ ZillmerRes = 23118.57,
+ ZillmerRes.prf = 19931.70,
+ VwKostenRes = -0.00,
+ VwKostenRes.prf = 2245.90,
+ Bilanzreserve = 24560.53,
+ Praemienuebertrag = 1310.76,
+ Rueckkaufsreserve = 23118.57,
+ Rueckkaufswert = 21286.21,
+ Abschlusskostenruecktrag = 0.00,
+ Rueckkaufswert.prf = 22177.59,
+ VS.prf = 33014.59,
+ absTolerance = 0.01
+ );
+})
diff --git a/inst/rstudio/templates/project/LifeInsuranceContracts/tests/testthat/test-Tarif2.R b/inst/rstudio/templates/project/LifeInsuranceContracts/tests/testthat/test-Tarif2.R
new file mode 100644
index 0000000..d3e6585
--- /dev/null
+++ b/inst/rstudio/templates/project/LifeInsuranceContracts/tests/testthat/test-Tarif2.R
@@ -0,0 +1,40 @@
+# LifeInsuranceContracts::vmGlgExample.generateTest(
+# XXXCOMPANYXXX.Tarif2,
+# age=35, policyPeriod = 85, sumInsured=100000,
+# contractClosing = as.Date("2000-07-01"),
+# t = 40)
+
+
+test_that("Tarif2", {
+ contract = InsuranceContract$new(
+ XXXCOMPANYXXX.Tarif2,
+ age = 35,
+ policyPeriod = 85,
+ sumInsured = 1e+05,
+ contractClosing = as.Date("2000-07-01")
+ );
+ # showVmGlgExamples(contract, t = 40, prf = 10, t_prf = 12);
+
+ testVmGlgExample(
+ contract,
+ t = 40, prf = 10, t_prf = 12,
+ net = 1210.13,
+ Zillmer = 1210.13,
+ gross = 1930.16,
+ written = 2007.37,
+ savings = -137.47,
+ risk = 1347.60,
+ ZillmerRes = 63074.49,
+ ZillmerRes.prf = 10471.41,
+ VwKostenRes = -0.00,
+ VwKostenRes.prf = 2659.34,
+ Bilanzreserve = 63949.81,
+ Praemienuebertrag = 965.08,
+ Rueckkaufsreserve = 63074.49,
+ Rueckkaufswert = 63074.49,
+ Abschlusskostenruecktrag = 0.00,
+ Rueckkaufswert.prf = 13130.75,
+ VS.prf = 80461.07,
+ absTolerance = 0.01
+ );
+})
diff --git a/man/InsuranceContract.ParameterDefaults.Rd b/man/InsuranceContract.ParameterDefaults.Rd
index 6f30bfc..c8fe4b3 100644
--- a/man/InsuranceContract.ParameterDefaults.Rd
+++ b/man/InsuranceContract.ParameterDefaults.Rd
@@ -316,6 +316,7 @@ participation rates are defined at the level of profit classes.}
\item{\code{$adjustPresentValues}}{Adjust the present value vectors that are later used to derive premiums and reserves. \code{function(presentValues, params, values)}}
\item{\code{$adjustPresentValuesCosts}}{Adjust the present value cost vectors used to derive premiums and reserves. \code{function(presentValuesCosts, params, values)}}
\item{\code{$adjustPremiumCoefficients}}{Function with signature \code{function(coeff, type, premiums, params, values, premiumCalculationTime)} to adjust the coefficients for premium calculation after their default setup. Use cases are e.g. term-fix tariffs where the Zillmer premium term contains the administration cost over the whole contract, but not other gamma- or beta-costs.}
+\item{\code{$adjustPremiums}}{Adjust the resulting premiums. \code{function(premiums = list(premiums, coefficients, sumInsured), params, values)}}
\item{\code{$adjustPVForReserves}}{Adjust the absolute present value vectors used to derive reserves (e.g. when a sum rebate is subtracted from the gamma-cost reserves without influencing the premium calculation). \code{function(absPV, params, values)}}
\item{\code{$premiumRebateCalculation}}{Calculate the actual premium rebate from the rebate rate (e.g. when the premium rate is given as a yearly cost reduction applied to a single-premium contract). \code{function(premiumRebateRate, params = params, values = values)}}
}
--
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