DELLAERT, Nico; FRENK, Hans, co-autor
"Insurance: Mathematics and Economics". - ISSN 0167-6687. - V. 10, nº 3 (Dec.1991), p. 165-172
BONUS-MALUS; TERCEIRO; PROCESSO DE MARKOV
http://dx.doi.org/10.1016/0167-6687(91)90046-Z