the risk of loss, or of adverse change in the value of insurance liabilities, resulting from changes in the level, trend or volatility of disability, sickness and morbidity rates (disability – morbidity risk);
tveganje izgube ali neugodne spremembe v vrednosti zavarovalnih obveznosti, ki izhajajo iz sprememb v ravni, gibanju ali nestanovitnosti stopnje invalidnosti, bolezni in obolevnosti (tveganje invalidnosti in bolehnosti);