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一只可爱的猪 · 2022年07月05日

解释一下A和C为什么错

Finally, Xu and Anderson consider a hedge fund that specializes in reinsurance and life settlements. Xu tells Anderson about three characteristics that hedge fund managers look for when investing in life settlements:

Characteristic 1 The surrender value offered to the insured individual is relatively high.

Characteristic 2 The ongoing premium payments to keep the policy active are relatively low.

Characteristic 3 There is a high probability that the designated insured person is likely to die within the period predicted by standard actuarial methods.

Which of the three characteristics of life settlements noted by Anderson is correct?

A Characteristic 1 B Characteristic 2 C Characteristic 3


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伯恩_品职助教 · 2022年07月06日

嗨,努力学习的PZer你好:


A如果退保价值提供相对高,那么保险人就直接退保了,没必要在市场找人接盘了。

C如果刚好在精算师预测的范围,那么这个就没什么利润。比如精算师预计这个人是78~82岁死亡,那么设计的保险刚好是针对其情况的,只是早于精算师预测的78岁之前死亡才能拿到超额收益,不然该交的保费还得交,理赔还得等很久,时间成本很高

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虽然现在很辛苦,但努力过的感觉真的很好,加油!

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