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SA Journal 2016: 2016-SAAJ-Strydom_Corubolo_Nel

ABSTRACT This research investigates the impact of improved (and improving) mortality experience in South Africa as a result of the increased (and increasing) access to antiretroviral treatment on South African life assurers, the entry-level insurance market and the wider South African economy. The research focuses on various potential impacts on the entry-level insurance market, including new business profitability, product development and pricing, market penetration and the potential for increased savings. This research has been done with the assistance of four of the main South African life offices and also draws on the new THEMBISA AIDS model on which a working
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Categories: Articles, Healthcare, Journals, Life Assurance, and SA Actuarial Journal.