摘要
寿险产品的定价是保险业中的经典问题,费率的厘定则是寿险产品定价中的核心问题。通过乘以经验调整因子对生命表作相关的调整,采用精算方法对60岁到期这一类特殊教师保险产品进行了定价,得到各年龄教师的趸缴纯保费及年缴均衡纯保费。全面考虑实际情况中影响教师寿命的两类主要因素——吸烟和酗酒,对所得的费率进行适当的调整,所得结果也更利于实际操作。
Pricing of life insurance products is the classical problem with rating as its kernel.This paper adjusts the life table with experiece factor and makes a price of the special life insurance products for teachers no older than 60 by actuarial method.Therefore,the single premium and annual level premium of teachers in different ages can be obtained.Taking the two main factors into full consideration——smoking and drinking,which effect teachers' life in practice,the gained rate is adjusted properly and the result is in favour of practical operation.
出处
《重庆理工大学学报（社会科学）》
CAS
2007年第3期74-77,106,共5页
Journal of Chongqing University of Technology（Social Science）
