La Ruina del Asegurador. Cotas de la Probabilidad de Ruina con Horizonte Finito

Abstract

Actuarial science is a mathematical discipline where the constant use of statistical models allows to evaluate the risk, the impact and the uncertainty present in the offered products for the industries of the insurance company. The skills required for this science are summary in probability, statistics, finance, economics, programming among others. The implementation of Ruin probability formulas allows the company to make decisions, based on probabilistic studies, for the mitigation of losses and the timely tracking finite events that negatively affect your profitability. The upper and lower levels give an even clearer view of the behavior of such events, creating an acceptable margin in which the available resources can be moved and thus not affect the initial capital and avoid invest in unprofitable businesses.