The dependence structure of the life statuses plays an important role in the valuation of life insurance products involving multiple lives. Although the mortality of individuals is well studied in the literature, their dependence remains a challenging field. In this paper, the main objective is to introduce a new approach for analyzing the mortality dependence between two individuals in a couple. It is intended to describe in a dynamic framework the joint mortality of married couples in terms of marginal mortality rates. The proposed framework is general and aims to capture, by adjusting some parametric form, the desired effect such as the “broken-heart syndrome”. To this end, we use a well-suited multiplicative decomposition, which will serve as a building block for the framework to relate the dependence structure and the marginals, and we make the link with existing practice of affine mortality models. Finally, given that the framework is general, we propose some illustrative examples and show how the underlying model captures the main stylized facts of bivariate mortality dynamics.
Journal of Thermal Analysis and Calorimetry - Polyethylene glycol (PEG) is widely used as phase change materials (PCMs). However, the leakage and low thermal conductivity issues restrict its... 相似文献
Journal of Radioanalytical and Nuclear Chemistry - To analyze the effect of scintillator detectors on the fast neutron multiplicity, this paper uses Geant4 and Matlab to simulate and study three... 相似文献
Transition metal Fe, Co, Ni and Cu doped strontium titanate-rich SrTiO3@TiO2 (STO@T) materials were prepared by hydrothermal method. The prepared doped materials exhibit better photocatalytic CO2 reduction to CH4 ability under visible light conditions. Among them, Fe-doped and undoped SrTiO3@TiO2 under visible light conditions CO2 reduction products only CO, while M-STO@T (M=Co, Ni, Cu) samples converted CO2 to CH4. The average methane yield of Ni-doped STO@T samples are as high as 73.85 μmol g−1 h−1. The production of methane is mainly due to the increase in the response of the doped samples to visible light. And the increase in the separation rate of photogenerated electrons and holes and the efficiency of electron transport caused by the generation of impurity levels. The impurity level caused by Ti3+ plays an important role in the production of methane by CO2 visible light reduction. Ni doping effectively improves the photocatalytic performance of STO@T and CO2 reduction mechanism were explained. 相似文献
Cellulose - Extracellular vesicles are membrane-packed entities that are involved in various physiological and pathological processes. Recently, the role of exosomes and microvesicles in... 相似文献
Journal of Radioanalytical and Nuclear Chemistry - This study presents a time-efficient method of analysing 210Pb, 210Bi, and 210Po in natural waters. The optimum pH (1.00), temperature... 相似文献
Great efforts have been conducted to develop high temperature proton exchange membrane fuel cell (HT-PEMFC) due to its features of enhanced electrocatalyst reactivity, simplified hydrothermal management system and high CO tolerance of catalysts, and remarkable progress has been achieved. However, the easy leaching of phosphoric acid (PA) from the membranes during operation limits its commercial scale-up in complicated environments. This concept here mainly focuses on the recent developments for mitigation of PA loss in PEMs. The probable mechanisms of PA loss are proposed. The approaches to improve PA retention for example via introduction of phosphonic acid by covalent bond, using ion-pairs interaction and siphoning effect, and blending with inorganic nanoparticles are described in detail. Among these strategies, the siphoning effect from the intrinsic microporous PEMs is the most efficient and enables the cell to operate flexibly within a broad temperature range. Therefore, this concept may provide new ideas for the scientists to retain PA, to improve the cell performance and expand the potential applications of PA doped PEMs at elevated humidity and wide temperature range. 相似文献