An investigation into the validity of the multiple table hypothesis as a basis for the underwriting of substandard risks in life assurance

  • H. W. Kreis
Conference paper


It might seem surprising at first glance that one should wish to add a further publication to those which have already appeared on the subject of the multiple table hypothesis. However, on closer inspection of the literature available it soon becomes clear that this hypothesis is an ever recurrent topic for discussion, especially after the appearance of statistical studies in this respect. Jecklin in particular has recently written in support of the application of this method in a series of studies [1,2,3,4]. In reply to an article by Sachs [5] and his colleagues, he states at one point [6]:

“The whole problem of selection is therefore clearly more complex than one would naturally assume. Nevertheless we are far from advocating the multiple table hypothesis simply for reasons of convenience as the only proper underwriting basis. If the results of statistical studies should show that a more dynamic method of assessing extra mortality is required, then practice would have to adapt itself accordingly, not so much for the sake of premium computation but rather because of the effects this would have on policy reserves. There should be few special technical difficulties involved since the technical handling of substandard risks is very adaptable, as the author has already had occasion to show [1].”


Total Column Impairment Group Mortality Experience Total Line Comparative Mortality 
These keywords were added by machine and not by the authors. This process is experimental and the keywords may be updated as the learning algorithm improves.


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Copyright information

© Springer-Verlag Berlin · Heidelberg 1969

Authors and Affiliations

  • H. W. Kreis
    • 1
  1. 1.Swiss Reinsurance CompanyZurichSwitzerland

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