NO.PZ201704060100000302
问题如下：
Based on the given assumptions and the data in Exhibit 1, the additional amount of life insurance coverage needed is closest to:
选项：
A.A$0.
B.A$331,267.
C.A$2,078,101.
解释：
B is correct.
The additional amount of life insurance coverage needed is calculated as the di₤erence between the family’s total financial needs and total capital available. Total financial needs are calculated as follows.
Capital needs are determined as the present value of an annuity due: growth rate = 3.5%, discount rate = 6.0%. Growth of payments is incorporated by adjusting the discount rate to account for the growth rate of earnings. As long as the discount rate is larger than the growth rate, the adjusted rate i can be calculated as follows: [(1 + Discount rate)/(1 + Growth rate)] – 1, or i = (1.06/1.035) – 1 = 2.42%.
如题，我认为Spending need 应该包含四块。
Family living expenses will decline by $30,000 per year; 也就是95000-30000=65000，PV大概是1.75m （44年）。
Oliva的personal expense 大概是1.3m（44年）。
孩子们的expense大概是80k。
其他一次性费用是750k。
因此合计出项PV大概是3.88m。
然后收入应该包含两块。
olivia的工资PV大概是860K。
家里其他资产PV大概是1m。
因此合计进项PV大概是1.86k。
两者之间的差额大概是2.02m。。。
