Una generalizzazione del modello di Haberman per il calcolo di valori attuariali in presenza di HIV e AIDSR. Benassi & D. Spelta
In a recent paper Haberman has presented approximated formulas for calculation of life insurance actuarial values in presence of HIV and AIDS. Haberman considered the case of constant force of transaction among the states. In this paper we consider an extension of the model at the case af probability of transaction among the states varying according to the age.