%0 Journal Article %T Aggregation Functions and Personal Utility Functions in General Insurance %A Jana £¿pirkov¨¢ %A Pavol Kr¨¢£¿ %J Acta Polytechnica Hungarica %D 2010 %I ?buda University %X The modeling of a utility function¡¯s forms is a very interesting part of moderndecision making theory. We apply a basic concept of the personal utility theory ondetermination of minimal net and maximal gross annual premium in general insurance. Weintroduce specific values of gross annual premium on the basis of a personal utilityfunction, which is determined empirically by a short personal interview. Moreover, weintroduce a new approach to the creation of a personal utility function by a fictive gameand an aggregation of specific values by mixture operators. %K Utility function %K Expected utility %K Mixture operator %K General Insurance %U http://uni-obuda.hu/journal/Spirkova_Kral_25.pdf