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Risk, Information and Insurance
The pricing and profitability of a good insurance product depends greatly on some key factors such as the investment rate, shareholders rate, expense rate, commission rate, surrender and death benefits. Profit testing of "key man" product was run on three insurance companies in Ghana using the modern method of profit testing under the asset share models and the results obtained indicated that an increase in premium was not enough to increase effciency and profit. Instead, the investment ratedoi:10.1007/978-94-009-2183-2_9 fatcat:muh3evyttndhrkk2pc26bitydy