Venter's Experience Rating-Equity and Predictive Accuracy

( meyer.shields@zurich.com )
Tue, 21 Jul 1998 10:28:18 -0400

On Page 1 of Venter, the last paragraph says, "To the extent that the
experience modification predicts the future loss experience of the insu=
red,
it allows the premium to be tailored more closely to each insured's own=

loss potential. That is the {page 2} equity contribution of experience=

rating."

I agree with your interpretation, but I think that it is explicit in th=
e
article.

In Venter's paper, he states two primary purposes of experience rating
plan: Satefy incentive and predictive accuracy. He later on states tha=
t
satefy incentive value can not be used to defined equity. Does he impl=
y
that predictive accuracy can be used to defined equity? I'd like to say=

yes, because although he didn't stated that explicitly, some arguments=

in his paper seem to support that view. Comments?

---Yin

=