Predicting Future Claims Among High Risk Policyholders Using Random Effects Clara-Cecilie Günther Ingunn Fride Tvete Kjersti Aas Jørgen Andreas Hagen Lars Kvifte Publication details Event: (Stockholm) Year: 2013 Organiser: Stockholm University Ingunn Fride Tvete Senior Research Scientist Kjersti Aas Research Director SAMBA You are here: Home Publications Scientific lecture Predicting Future Claims Among High Risk Policyholders Using Random Effects