Oleg Gorbachev – Associate Professor, Department of Mathematical Fundamentals of Management, Faculty of Control and Applied Mathematics, Moscow Institute of Physics and Technology (State University).
Address: 9, Institutskiy per., Dolgoprudny, Moscow Region, 141700, Russian Federation.
E-mail:  gorbachev@sk-europe.ru

The fact that at present time information plays a so important role, led to introduction of a new economic term – information capital. Information capital of insurance company comprises of an updatable and sustainable customer base. The subject of this research is information resources created during insurance activities and, primarily, a customer base of insurance company. Such base consists of information (retrospective data) to identify a potential insured person and his/her insurable interests. The homogeneity parameter characterizes a generalized information quality of customer base data. The task was to develop a customer base homogeneity model.

The article proposes a cutting edge information model of insurance portfolio that is based on author’s determination of homogeneity classes and enables to improve significantly the effectiveness of information capital of insurance company. This information model helps to establish price targets for new insurance product with no adequate statistics regarding to insurance object available, using outdated statistic data or statistic information on other regions.

To test the information model, 300 insured events in connection with motor vehicle accident damage were selected. Resultant 36 hybrid empirical functions were tested by pairs using the Wilcoxon signed-rank test. Based on test results, the conclusion was made that captured data complied with homogeneity hypothesis with significance level of five (5) per cent. If we consider marketing discounts available in majority of insurance companies (up to 10 percent) as adequate accuracy cues, test results may be recognized to be ambitious enough from a practical standpoint.