| 寿险精算中伤残免缴率的厘定及计算 |
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| 引用本文： | 惠军.寿险精算中伤残免缴率的厘定及计算[J].合肥工业大学学报(自然科学版),2001,24(6):1173-1176. |
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| 作者姓名： | 惠军 |
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| 作者单位： | 合肥工业大学理学院,安徽,合肥,230009 |
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| 摘 要： | 研究了寿险精算中因投保人 (缴费人 )伤残而获免缴续期保费的概率与其伤残率的区别和联系 ,定义了准确的伤残免缴率的概念 ,并给出了伤残免缴率的计算公式。在此基础上讨论了寿险精算中常见的在离散的情况下计算定期缴费的纯保费现值的计算方法 ,并给出一个实际例子。通过实例显示了一般伤残率和伤残免缴率的差异。
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| 关 键 词： | 寿险精算 伤残免缴率 数学期望 纯保费 |
| 文章编号： | 1003-5060(2001)06-1173-04 |
| 修稿时间： | 2001年6月21日 |
Determination and calculation of the rate of waiver of premium for disability in life insurance actuarial calculation |
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| HUI Jun.Determination and calculation of the rate of waiver of premium for disability in life insurance actuarial calculation[J].Journal of Hefei University of Technology(Natural Science),2001,24(6):1173-1176. |
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| Authors: | HUI Jun |
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| Abstract: | In this paper,the relationship and the distinction between the rate of waiver of premium for payer's disability and the rate of the payer's disability are analyzed firstly.Then the accurate conception of the rate of waiver of premium is defined,and a formula for calculating that rate is given.Based on this formula, the method of calculating the net premium on the discrete condition is discussed. Finally,an example is given to show the distinction between the rate of waiver of premium and the rate of disability. |
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| Keywords: | life insurance actuarial calculation rate of waiver of premium expection net premium |
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