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polucn · 2024年06月10日

计算器使用

  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:

怎么调begin 现金流?

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2 个答案

王暄_品职助教 · 2024年06月11日

这道题的题干信息A cash value of US$32,500 is projected for the end of Year 30.是在什么时候需要使用？

本题不需要使用，该条件是针对surrender cost index的

王暄_品职助教 · 2024年06月10日

嗨，从没放弃的小努力你好：


以下计算过程为 TI BAII PLUS计算器：

  1. 按“2nd”，然后按“PMT”，屏幕会出现：END和小字SET
  2. “2nd”->“ENTER”，屏幕会出现：BGN 和小字SET,BGN
  3. “2nd”->“CPT”, 屏幕会出现：0，和小字BGN。

那么此时就是先付年金的模式

如果想调回后付，按照上述方法再按一遍，最终屏幕上方小字BGN消失，就可以了。

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