深度学习改变保险精算定价模式

摘要

The research introduced an actuarial pricing model based on biological age.And the deep learning technique was applied to get the robust biological age when a hand-back photo was provided.The new pricing model can show more accurate risk of policyholder and change the old way based on calendar age.%介绍了一种基于生理年龄的精算定价新方式,该方式基于手背纹理照片,利用深度学习技术获得可靠的生理年龄评价结果,从而将其应用于保险上以获得更能反映投保人风险的定价.该技术和框架是深度学习在保险公司应用上的尝试,变革了数百年来保险公司基于日历年龄定价的传统模式.