Abstract
For policies concluded to cover abnormal risks this essay demonstrates by means of some examples the development of the premium reserves, the changes in risk premiums if the sums assured are reduced and the supplemental premium reserve payments in those cases in which there is a reduction of the term of assurance. The essay also describes the process allowing the simple addition of two assurances with different excess mortality to give a single assurance. Finally the author shows that a policy concluded to cover an abnormal risk and providing for repayment of the risk premium at the end of the endowment period if the insured is then living bears the characteristics of an assurance payable in case of death if the risk premiums increase with increasing excess mortality.
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