Das nichtkleinzellige Lungenkarzinom (NSCLC) gehört zu den häufigsten Malignomen und ist weltweit die Hauptursache der krebsassoziierten Todesfälle. Zwischen 20 und 50% dieser Patienten entwickeln eine Fernmetastasierung. Patienten mit metastasiertem NSCLC sind meistens inkurabel und haben eine schlechte Lebenserwartung, die mittlere Überlebenszeit beträgt weniger als 2 Jahre [1, 2]. Eine Subgruppe von ca. 7% mit sog. Oligometastasierung hat eine deutlich bessere Prognose und ist potenziell kurabel [1, 2]. Bildgebende Verfahren, insbesondere die FDG-PET-Untersuchung, sind wegweisend für die Diagnose dieser Patienten. Die Behandlung erfolgt interdisziplinär, operativ, radioonkologisch und medikamentös. 4
In contrast to previous work, this paper studies the product-dependent risk sensitivities of policyholders toward the reported safety levels of a life insurer in a long-term multi-period setting. With this aim, we first conduct two choice-based conjoint analyses using a German survey panel to investigate the effect of an insurer’s reported default probability on individuals’ willingness to pay for annuities and term life insurances. Our experimental results suggest that individuals (sharply) reduce their willingness to pay for probabilistic life insurance products, with (strong) product-specific differences. In light of these observations, the paper then revisits the impact of these differing risk sensitivities on a life insurer’s risk situation in a simulation study based on an asset-liability model with a specific focus on a life insurer offering annuities and term life insurances. The results reveal the potentially strong impact of such product-dependent risk sensitivities on risk-reducing portfolio compositions. One main driver is the deviation between risk sensitivities depending on the respective product (annuities vs. term life).
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