Azure DevOps Demo Models · main
life_reserve.py

insurance/life-reserve-projection/src/life_reserve.py · 1,398 bytes · read-only public source view
from __future__ import annotations
import argparse
import csv
import json
from pathlib import Path

parser=argparse.ArgumentParser()
parser.add_argument('--config',required=True)
parser.add_argument('--output',required=True)
args=parser.parse_args()
config=json.loads(Path(args.config).read_text(encoding='utf-8'))['parameters']
policies=int(config['policies'])
premium=float(config['averagePremium'])
claim_rate=float(config['claimRate'])
average_claim=float(config['averageClaim'])
expense_ratio=float(config['expenseRatio'])
discount=float(config['discountRate'])
years=int(config['projectionYears'])
output=Path(args.output)
output.mkdir(parents=True,exist_ok=True)
reserve=0.0
with (output/'reserve_projection.csv').open('w',newline='',encoding='utf-8') as handle:
    writer=csv.writer(handle)
    writer.writerow(['year','active_policies','premiums','claims','expenses','reserve'])
    for year in range(1,years+1):
        active=round(policies*(0.985**(year-1)))
        premiums=active*premium
        claims=active*claim_rate*average_claim
        expenses=premiums*expense_ratio
        reserve=max(0,reserve*(1+discount)-(premiums-claims-expenses))
        writer.writerow([year,active,round(premiums,2),round(claims,2),round(expenses,2),round(reserve,2)])
(output/'summary.json').write_text(json.dumps({'endingReserve':round(reserve,2),'years':years},indent=2)+'\n',encoding='utf-8')