Poisson model
The results obtained from the Poisson regression for the insurance portfolio presented in Section 2 are shown in Table 3 (LR statistics for analysed variables) and Table 5 (regression coefficients’ estimations). In Table 3, in column Chi-square is calculated, for each variable, two times the difference between the log-likelihood of the model which includes all the independent variables and the log-likelihood of the model obtained by deleting one of a specified variable. This test follows the asymptotic 〖χ^2〗_(α,p) distribution for a level of significance of 0.05 and with