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Ruin problems for a discrete time risk model with non-homogeneous conditions

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This paper is concerned with a non-homogeneous discrete time risk model where premiums are fixed but non-uniform, and claim amounts are independent but non-stationary. It allows one to account for the influence of inflation and interest and the effect of variability in the claims. Our main purpose is to develop an algorithm for calculating the finite time ruin probabilities and the associated ruin severity distributions. The ruin probabilities are shown to rely on an underlying algebraic structure of Appell type. That property makes the computational method proposed quite simple and efficient. Its application is illustrated through some numerical examples of ruin problems. The well known Lundberg bound for ultimate ruin probabilities is also reexamined within such a non-homogeneous framework.

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CASTAÑER, Anna, CLARAMUNT BIELSA, M. mercè, GATHY, Maude, LEFÈVRE, Claude, MÁRMOL, Maite. Ruin problems for a discrete time risk model with non-homogeneous conditions. _Scandinavian Actuarial Journal_. 2013. Vol. 2013, núm. 2, pàgs. 83-102. [consulta: 9 de gener de 2026]. ISSN: 0346-1238. [Disponible a: https://hdl.handle.net/2445/103127]

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