Marion was excited to back pack on the Pacific Crest Trail as she needed to feel one with nature and forget her troubles for a while. She is determined to get out in nature and hike alone, but that is changed quickly when she meets two other backpackers that are the hottest guys she has ever seen. Trevor and Danny are experts on the trail and they show Marion they favorite secret spots while she lets them explore her secret spots. It is unlike anything Marion has ever allowed herself to do, but what better place to explore her wild abandon than being out in the wild among nature with two guys that end up saving her in more ways than one.
This book presents a market-consistent valuation framework for implicit embedded options in life insurance contracts. This framework is used to perform an empirical analysis based on more than 110,000 actual and in-force life insurance policies and with a focus on the modeling of interest rates. Its results are the answer to the central question posed in the objectives: What value do the embedded options and guarantees considered have? This question is answered both absolutely and relative to the current policy reserves, from the perspective of the insurer, the policyholder and the shareholder respectively
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