vakuutusriskejä
Vakuutusriskejä refers to potential financial losses that an insurance company might face when it agrees to cover certain risks. These risks are inherent in the business of insurance, where companies collect premiums from policyholders in exchange for a promise to pay out claims if specific events occur. The core of the insurance business is the management and pricing of these risks.
There are several categories of vakuutusriskejä. Mortality risk, for instance, concerns life insurance policies, where the
Operational risk encompasses losses arising from inadequate or failed internal processes, people, systems, or external events.
Insurers use various methods to manage vakuutusriskejä. These include thorough risk assessment and underwriting, diversification of