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In [[statistics]], '''McKay's approximation''' of the [[coefficient of variation]] is a statistic based on a sample from a [[normal distribution|normally distributed]] population. It was introduced in 1932 by A. T. McKay.<ref>McKay, A. T. (1932) Distribution of the coefficient of variation and the extended “t” distribution. ''Journal of the Royal Statistical Society'' 95, 695–698</ref> Statistical methods for the coefficient of variation often utilizes McKay's approximation.<ref>{{cite journal |jstor=1267363 |title=Comparisons of approximations to the percentage points of the sample coefficient of variation |year=1970 |last1=Iglevicz |first1=Boris |last2=Myers |first2=Raymond |journal=Technometrics |volume=12 |issue=1 |pages=166–169}}</ref><ref>Bennett, B. M. (1976). On an approximate test for homogeneity of coefficients of variation. In: Ziegler, W. J. (ed.) ''Contributions to Applied Statistics Dedicated to A. Linder. Experentia Suppl.'' 22, 169-171</ref><ref>{{cite journal |jstor=2685039 |title=Confidence intervals for a normal coefficient of variation |year=1996 |last1=Vangel |first1=Mark G. |journal=The American Statistician |volume=50 |issue=1 |pages=21–26}}.</ref><ref>{{cite web| url=http://pub.epsilon.slu.se/4489/1/forkman_j_110214.pdf | title=Estimator and tests for common coefficients of variation in normal distributions | accessdate=2013-09-23 |last1=Forkman |first1=Johannes |journal=Communications in Statistics - Theory and Methods |volume=38 |pages=21–26}}</ref>
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Let <math> x_i </math>, <math>i = 1, 2,\ldots, n</math> be <math> n </math> independent observations from a <math> N(\mu, \sigma^2) </math> normal distribution. The population coefficient of variation is <math> c_v = \sigma / \mu </math>. Let <math> \bar{x} </math> and <math> s \,</math> denote the [[sample mean]] and the [[sample standard deviation]], respectively. Then <math> \hat{c}_v = s/\bar{x} </math> is the sample coefficient of variation. McKay’s approximation is
:<math>
K = \left( 1 + \frac{1}{c_v^2} \right) \ \frac{(n - 1) \ \hat{c}_v^2}{1 + (n - 1) \ \hat{c}_v^2/n}
</math>
<!-- WHAT is \gamma?? -->
Note that in this expression, the first factor includes the population coefficient of variation, which is usually unknown. When <math> c_v </math> is smaller than 1/3, then <math> K </math> is approximately [[chi-squared distribution|chi-square distributed]] with <math> n - 1 </math> degrees of freedom. In the original article by McKay, the expression for <math> K </math> looks slightly different, since McKay defined <math> \sigma^2 </math> with denominator <math> n </math> instead of <math> n - 1 </math>. McKay's approximation, <math> K </math>, for the coefficient of variation is approximately chi-square distributed, but exactly [[noncentral beta distribution|noncentral beta distributed]]
.<ref>{{cite web| url=http://pub.epsilon.slu.se/3317/1/Forkman_Verrill_080610.pdf | title=The distribution of McKay's approximation for the coefficient of variation | accessdate=2013-09-23 |last1=Forkman |first1=Johannes |last2=Verrill |first2=Steve |journal=Statistics & Probability Letters |volume=78 |pages=10–14}}</ref>
 
== References==
<references/>
 
[[Category:Statistical deviation and dispersion]]

Latest revision as of 04:29, 15 February 2014

In exchange for guaranteed coverage, you will be charged a higher term life insurance premium. Nevertheless, its benefits are a lot more than term-life insurance policies. Such companies have to meet strict requirements concerning their suitability for such business. The body mass index is something the modern life insurance agents are very particular about. Variable life insurance Chico: This sort of life insurance Chico vehicle permits you to select how the revenue you place with in it is actually invested. Here are six factors that you need to look into whenever you are researching term life insurance ratings and insurance providers -. While I can certainly understand how the person feels; the reality, rather than the perception, is that this person actually can.

Use a term life insurance calculator to accurately estimate the amount of coverage you will need to adequately protect your beneficiaries and rest easy secure in the knowledge that you will have a financially secure future. The reason this is popular is directly related to the tragedy itself. Term life insurance provides you with coverage for a certain period of time. Most importantly, many policies have clauses that forbid writing the policy in trust. Accidental death benefits are important considering the number of work related, driving, and recreational accidents in the USA each year. Once you provide this information the websites will be able to give you a comprehensive term life insurance quote from different companies. , Level term which is also known as decreasing premium policy and renewable term which is also known as increasing premium polices.

We especially recommend this to anyone with children. Should you cash in the policy and use the proceeds to purchase term life insurance. You can find about different insurance policies on many comparison sites. To compare term life insurance rates, it is important that you visit these insurance comparison sites so you will receive required quotes that are available from hundreds of insurance companies. Otherwise, you can leave the policy as it is until your death. If your broker is a member of the National Brokers Association (NIBA), such a business entity would be automatically bound by this code. Please read this disclaimer regarding the information contained within this article.

Because the hundreds of years get passed, the insurance coverage sector has included various kinds of insurance coverage and characteristics. Numerous call for health-related exams that can exclude the previous, the ill, and people in ill overall health from insurance. Donald's website is: Life Insurance Hub Also see: Life Insurance Answers. We guarantee to provide helpful information that you need on this matter. The redeemed amount of money is multiplied with the profits or interests till the completion of the term in case the premiums are deposited within the insurance company properly time to time. The following are some guidelines to help you determine the best type for you, and the best term insurance rate that suits your budget. One reason that temporary health insurance coverage is cheaper is that it does not cover pre-existing conditions.

If you die within that term, your designated beneficiary receives the face value of the policy as death benefit. A 20 year term life insurance is made up of a death level benefit that covers a 20 year time-period. Guaranteed level term life insurance offers level premiums for a designated period. At first the agent was polite, not realizing the parents' intentions. or something catastrophic amounting to hundred of thousands of dollars. Therefore, we contact the expert, since we are not an expert on the subject of life insurance. Life insurance is one of the most important financial products a person will ever buy, but there are several things that a consumer should look out for when buying life insurance.

It is important to note that dividends are not guaranteed. Alternatively, if you do not want to exert yourself too much, you could consider visiting your life insurance advisor. The rates for the coverage are fixed for the specific term. This may look like a very good deal but let us dig deeper. To save some money consider switching to annual life insurance premiums instead of monthly life insurance premiums. Before you ask for an extended term insurance offer or perhaps compare life insurance companies, determine that you are doing require one simply because a real insurance policy is just not for everybody since most of them can be instead highly-priced. In case you have just about any inquiries with regards to where by along with the best way to utilize termlifepolicy, you are able to e-mail us in our own web-page. In return for the term life insurance, the insurer pays the insurance company a premium.

So next time somebody asks you what is long term care insurance, simply say it's a product purchased by anyone who loves his family and life per se. Rates will not change based external factors such as interest rates for the life of the contract. 4- You have the 30-days money back guarantee on the policy. If the symptoms appeared within the past year, insurers would term this as high risk. Let's consider why people buy long term care insurance. 2) If you purchase a replacement policy or convert your term coverage to a whole life policy, your new rates will be based on your age at the time of conversion or replacement. In fact, taxes could be as high as 40 per cent for some pay outs, therefore it is imperative to know whether or not your policy will be subjected to the taxman once you pass on.

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