终身寿险

在贴现因子为随机的条件下，给出终身寿险纯保费的精算公式。

The actuarial formula of pure premium of the whole life insurance is discussed , as discount factor is random .

本文给出了在随机利率下，终身寿险的纯保费和纯保费责任准备金的计算方法。

In this paper , we give computing methods about net premium and net premium reserve of whole life insurances under stochastic rate of interest .

随机利率下的终身寿险简述利率

Whole Life Insurances under Stochastic Rate of Interest

针对按年缴费的终身寿险模型，改进传统的常值利率的准备金模型。

We extend the traditional constant interest rate reserve model in life insurance with premium paid each year until death .

以终身寿险为例，运用概率论和数理统计方法对几种不同情况下趸交、年交和月交纯保费的精算方法进行详细剖析，并给出相应的计算公式。

With the whole life unsurance , serving as an example , using the method of probability and mathematical statistics , gives a detailed analysis of the accurate calculation of net single premium 、 net annual premium and net monthly premium in several different cases , and relevant calculational formula .

为了特别强调保险业的独特属性，本文着力探讨那些未由其他金融服务提供商提供的服务，但像终身或万能寿险产品的契约储蓄功能除外。

In order to highlight specifically the unique attributes of insurance , it is worth focusing on those services that are not provided by other financial services providers , excluding for instance the Contractual Savings features of whole or universal life products .