Moments of Loss and Payment Random Variables

Free SOA Exam P (Probability) lesson in Univariate Random Variables. 23 min read, ~3,454 words.

Variance of payment:; compute both moments separately. Second moment with cap: variable-region integral plus for the capped region. Coinsurance enters squared:, so 80% coinsurance multiplies variance by 0.64. Exponential shortcut: via the memoryless property. Per-payment exponential variance is constant: regardless of the deductible. Deductible increases CV; benefit limit decreases variance...

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