Téléchargez le livre : Insurance, Biases, Discrimination and Fairness

Insurance, Biases, Discrimination and Fairness



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Springer


Paru le : 2024-05-13



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Description
This book offers an introduction to the technical foundations of discrimination and equity issues in insurance models, catering to undergraduates, postgraduates, and practitioners. It is a self-contained resource, accessible to those with a basic understanding of probability and statistics. Designed as both a reference guide and a means to develop fairer models, the book acknowledges the complexity and ambiguity surrounding the question of discrimination in insurance. In insurance, proposing differentiated premiums that accurately reflect policyholders' true risk—termed "actuarial fairness" or "legitimate discrimination"—is economically and ethically motivated. However, such segmentation can appear discriminatory from a legal perspective. By intertwining real-life examples with academic models, the book incorporates diverse perspectives from philosophy, social sciences, economics, mathematics, and computer science. Although discrimination has long been a subject of inquiry in economics and philosophy, it has gained renewed prominence in the context of "big data," with an abundance of proxy variables capturing sensitive attributes, and "artificial intelligence" or specifically "machine learning" techniques, which often involve less interpretable black box algorithms.

The book distinguishes between models and data to enhance our comprehension of why a model may appear unfair. It reminds us that while a model may not be inherently good or bad, it is never neutral and often represents a formalization of a world seen through potentially biased data. Furthermore, the book equips actuaries with technical tools to quantify and mitigate potential discrimination, featuring dedicated chapters that delve into these methods.
Pages
483 pages
Collection
n.c
Parution
2024-05-13
Marque
Springer
EAN papier
9783031497827
EAN PDF
9783031497834
Informations sur l'ebook
Nombre pages copiables
4
Nombre pages imprimables
48
Taille du fichier
18975 Ko
Ce livre est accessible aux handicaps Voir les informations sur l'accessibilité
Prix
158,24 €
EAN EPUB
9783031497834
Informations sur l'ebook
Nombre pages copiables
4
Nombre pages imprimables
48
Taille du fichier
65280 Ko
Ce livre est accessible aux handicaps Voir les informations sur l'accessibilité
Prix
158,24 €
Arthur Charpentier, is an actuary (member of the International Actuarial Association), holds an MSc from ENSAE (Ecole Nationale de la Statistique, Paris, France) and a PhD in applied mathematics from KU Leuven (Belgium). After having been a professor in various institutions (mainly in France, ENSAE, Ecole Polytechnique, University of Rennes), he is now a professor at UQAM, Montreal. He has published several books in actuarial science and insurance modeling (including Mathematics of Non-Life Insurance, Computational Actuarial Science with R and more recently a Handbook of Insurance in French), as well as research and popularization articles, and is on the editorial board of some actuarial journals (ASTIN Bulletin, Risks, and the Journal of Risk and Insurance).

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