Improvement of Life-insurance Premium

【摘要 (中文/英文)】 人寿保险作为概率统计学领域最成功的经验之一,它是以人的寿命作为保险标的,以生存或死亡为保险事件,而费率又是寿险的核心问题。寿险的定价要遵循一定的原则,如充实性,合理性,可行性,稳定性等。实际的操作中,费率厘定主要用到预定利率,预定死亡率,预定费用率,利润率,退保率,佣金率/手续费等因素。 本文在传统费率计算基础上进行了改进,并借助于Excel中的宏程序实现了自动处理。主要以预定利率,预定死亡率和预定费用率三个因素为基础,计算了险种的毛保费费率表,现金价值,责任准备金等对保险公司有重要意义的数据。 本文分为四个部分,第一部门主要介绍了寿险精算的研究方法与研究工具:利息理论寿险精算数学;第二部分主要是在原有基础上进行的改进,第三部分主要列出了计算的结果;第四部分包括保险条款及基本的精算预定假设,并得到现金价值,准备金等数据。

 Life insurance is one of the most successful experience in the field of the statistical and probability, its target is persons' life and considers survival or death as the insurance case ,but the premium rate of life insurance is the core issue. The pricing of life insurance follows certain principles: such as enrichment, rationality, feasibility and stability. In the actual operation, to determine pricing mainly intended to use the expected interest rate, mortality, expected cost rates, profit margins, rate of commission / fees, and other factors. The pricing rates has been improved based on the traditional pricing rates, and the pricing data has handled automatically with the Excel macro . To calculate the gross premiums of insurance pricing rate sheet, policy value and policy reserve on the basis of interest rate, mortality and expected costs of scheduled rate, which are critical significance for the insurance company. This paper contents four sections: the first unit contents insurance actuarial research methods and research tools: interest theory, life insurance actuarial mathematics theory and so on; second part is mainly improvements of the original on the basis above; the third lists major results and the on the basis of second part ; the fourth part contents basic insurance terms and actuarial assumptions as well as the data of policy value and policy reserve.

【关键词 (中文/英文)】 平衡原理; 费率表; 毛保费等价公式; 次标准体; 准备金