[lmi-commits] [6243] Calculate premiums for group premium quotes

[Greg Chicares]

Revision: 6243
          http://svn.sv.gnu.org/viewvc/?view=rev&root=lmi&revision=6243
Author:   chicares
Date:     2015-08-13 00:19:25 +0000 (Thu, 13 Aug 2015)
Log Message:
-----------
Calculate premiums for group premium quotes

Modified Paths:
--------------
    lmi/trunk/account_value.hpp
    lmi/trunk/ihs_acctval.cpp

Modified: lmi/trunk/account_value.hpp
===================================================================
--- lmi/trunk/account_value.hpp 2015-08-12 23:20:52 UTC (rev 6242)
+++ lmi/trunk/account_value.hpp 2015-08-13 00:19:25 UTC (rev 6243)
@@ -161,9 +161,7 @@
     double GetCurtateNetCoiChargeInforce () const;
     void   SetProjectedCoiCharge         ();
     double GetProjectedCoiChargeInforce  () const;
-    double ApportionNetMortalityReserve
-        (double reserve_per_life_inforce
-        );
+    double ApportionNetMortalityReserve(double reserve_per_life_inforce);
     double experience_rating_amortization_years() const;
     double ibnr_as_months_of_mortality_charges() const;
 
@@ -290,6 +288,19 @@
     void   ReduceSurrChg           (int year, double partial_surrchg);
     double SurrChg                 ();
 
+    double SuppositiveModalPremium
+        (bool        with_adb
+        ,bool        with_wp
+        ) const;
+    double SuppositiveModalPremium
+        (int         year
+        ,mcenum_mode mode
+        ,double      specamt
+        ,double      termamt
+        ,bool        with_adb
+        ,bool        with_wp
+        ) const;
+
     void   SetMaxLoan              ();
     void   SetMaxWD                ();
     double GetRefundableSalesLoad  () const;

Modified: lmi/trunk/ihs_acctval.cpp
===================================================================
--- lmi/trunk/ihs_acctval.cpp   2015-08-12 23:20:52 UTC (rev 6242)
+++ lmi/trunk/ihs_acctval.cpp   2015-08-13 00:19:25 UTC (rev 6243)
@@ -37,7 +37,7 @@
 #include "death_benefits.hpp"
 #include "ihs_irc7702.hpp"
 #include "ihs_irc7702a.hpp"
-#include "input.hpp" // Magic static function.
+#include "input.hpp"                    // magically_rectify()
 #include "interest_rates.hpp"
 #include "ledger.hpp"
 #include "ledger_invariant.hpp"
@@ -1037,6 +1037,64 @@
     // TODO ?? Perform specamt strategy here?
 }
 
+double AccountValue::SuppositiveModalPremium
+    (bool        with_adb
+    ,bool        with_wp
+    ) const
+{
+    LMI_ASSERT(0 == Year);
+    return SuppositiveModalPremium
+        (Year
+        ,InvariantValues().ErMode[Year].value()
+        ,InvariantValues().SpecAmt[Year]
+        ,InvariantValues().TermSpecAmt[Year]
+        ,with_adb
+        ,with_wp
+        );
+}
+
+/// Determine modal premium on a basis possibly differing from input.
+///
+/// Motivation: to provide premiums with and without certain riders,
+/// for use with group premium quotes.
+///
+/// For now at least, only that narrow purpose is addressed. If, for
+/// that purpose, input is inappropriate, then output may be as well.
+/// For example, this function doesn't ascertain whether the riders it
+/// toggles are available for the product selected. Other riders are
+/// not inhibited here: all input is taken as deliberate, as an end
+/// user might reasonably wish to show the effect of other riders; if
+/// assertions as to input are to be made at all, then they should be
+/// made in the function that creates the group premium report.
+
+double AccountValue::SuppositiveModalPremium
+    (int         year
+    ,mcenum_mode mode
+    ,double      specamt
+    ,double      termamt
+    ,bool        with_adb
+    ,bool        with_wp
+    ) const
+{
+    LMI_ASSERT(0 != Input_);
+    yare_input yi(*Input_);
+
+    yi.AccidentalDeathBenefit = with_adb;
+    yi.WaiverOfPremiumBenefit = with_wp;
+
+    if(!SplitMinPrem)
+        {
+        return GetModalPremMlyDed(year, mode, specamt, yi);
+        }
+    else
+        {
+        return
+              GetModalPremMlyDedEe(year, mode, termamt, yi)
+            + GetModalPremMlyDedEr(year, mode, specamt, yi)
+            ;
+        }
+}
+
 //============================================================================
 void AccountValue::AddSurrChgLayer(int year, double delta_specamt)
 {