Mortality tables for the Brazilian insured population

Authors

  • Mário Moreira Carvalho de Oliveira Universidade Federal do Rio de Janeiro
  • Milton Ramos Ramirez Universidade Federal do Rio de Janeiro
  • Ricardo Milton Frischtak Universidade Federal do Rio de Janeiro
  • Rafael Brandão de Rezende Borges Universidade do Estado do Rio de Janeiro http://orcid.org/0000-0002-2576-8118
  • Bruno Costa Universidade Federal do Rio de Janeiro
  • Ricardo Cunha Pedroso Universidade Federal do Rio de Janeiro

DOI:

https://doi.org/10.20947/S0102-30982016c0010

Keywords:

Life tables. Mortality. Death rate. Insurance market. Heligman-Pollard.

Abstract

This paper describes the construction of the BR-EMS 2015 mortality tables for the Brazilian insured population. The tables were based on data collected from insurance companies which represent about 80 per cent of the Brazilian insurance market, and they are updates of their previous versions, BR-EMS 2010, which have been the first mortality tables built with Brazilian market experience. Additional data from government sources was used to improve the information of the companies’ databases. The mortality rates of the population under risk products (death coverage) are remarkably different than those under savings products (survivorship coverage); as such, four different mortality tables are constructed, separating the population by sex as well as the type of insurance coverage. A straight comparison between the BR-EMS 2015 tables with the statistics of the general Brazilian population shows a striking difference on life expectancies. The BR-EMS 2015 tables are also compared with other life tables.

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Author Biographies

Mário Moreira Carvalho de Oliveira, Universidade Federal do Rio de Janeiro

Professor of Departamento de Matemática Aplicada, IM/UFRJ. Researcher at Laboratório de Matemática Aplicada, IM/UFRJ.

Milton Ramos Ramirez, Universidade Federal do Rio de Janeiro

Professor of Departamento de Matemática Aplicada, IM/UFRJ. Researcher at Laboratório de Matemática Aplicada, IM/UFRJ.

Ricardo Milton Frischtak, Universidade Federal do Rio de Janeiro

Researcher at Laboratório de Matemática Aplicada, IM/UFRJ. Deceased 6 August 2015.

Rafael Brandão de Rezende Borges, Universidade do Estado do Rio de Janeiro

Professor of Departamento de Análise Matemática, IME/UERJ. Researcher at Laboratório de Matemática Aplicada, IM/UFRJ.

Bruno Costa, Universidade Federal do Rio de Janeiro

Professor of Departamento de Matemática Aplicada, IM/UFRJ. Researcher at Laboratório de Matemática Aplicada, IM/UFRJ.

Ricardo Cunha Pedroso, Universidade Federal do Rio de Janeiro

Researcher at Laboratório de Matemática Aplicada, IM/UFRJ.

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Published

2016-12-31

How to Cite

de Oliveira, M. M. C., Ramirez, M. R., Frischtak, R. M., Borges, R. B. de R., Costa, B., & Pedroso, R. C. (2016). Mortality tables for the Brazilian insured population. Brazilian Journal of Population Studies, 33(3), 653–677. https://doi.org/10.20947/S0102-30982016c0010

Issue

Vol. 33 No. 3 (2016)

Section

Original Articles

License

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