Análisis de la rentabilidad financiero-actuarial de una operación de seguro mixto simple (endowment insurance) contratada a prima pura

This paper develops a financial-actuarial methodology to calculate the real and expected returns of a mixed insurance operation, consisting of a simple life insurance and a simple savings insurance, under the hypothesis of a periodical risk premium. For this purpose, random variables are defined, both the annual effective return (real return) and the present value of the insured's benefit, whose probability distributions will allow obtaining the real and expected profitability of the operation, as well as risk indicators that measure the maximum profitability that can be obtained and under what conditions.