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Anne · 2023年08月01日

32500未使用

  1. CFA III
  2. 个人IPS

NO.PZ2018091705000084

问题如下：

Jacques purchases a US$100,000 face value whole life policy has an annual premium of US$2,000, paid at the beginning of the year. Policy dividends of US$500 per year are anticipated, payable at year-end. A cash value of US$32,500 is projected for the end of Year 30. Jacques has a life expectancy of 30 years and a discount rate of 5%. The net payment cost index that Jacques calculate is closest to:

选项：

A.

$17.22.

B.

$16.89.

C.

$15.24.

解释：

C is correct.

考点: Net payment cost index

解析： The net payment cost index假设被保险人在30年后死亡。计算net payment cost index包括以下步骤:

按基础班PPT304的解题步骤:

FV of premium=139521.58,

FV of dividend=33219.42

30-year cash value=32500

相减后得30-year insurance cost=73802.16

再用上面这个数字作为FV求PMT得annual payments=1110.83

所以Index=11.11.


以上是根据基础班例题的步骤做的，为什么错了？题目答案中为何没有使用cash value 32500?

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王暄_品职助教 · 2023年08月01日

因为32500是cash value，只有在计算surrender cost index 才会用，本题是计算net payment cost index

Yiyun · 2023年08月04日

net payment cost index和surrender cost index本质区别在于人有没有挂，挂了算前者（不考虑cash value），没挂算后者（此时比前者多个cash value需要考虑在终值里）。这个题目的简便解法是：2000-500/(1+5%)，然后除以100份合约，得出C

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