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果果的天 · 2019年01月07日

问一道题:NO.PZ2018091705000084 [ CFA III ]

问题如下图:

选项:

A.

B.

C.

解释:

为什么没算32500的cash value? 终值
1 个答案
已采纳答案

品职辅导员_小明 · 2019年01月07日

首先你要知道什么是cash value,就是你退保的时候可以拿回来多少钱

所以从这个角度出发,你需要知道net payment cost是什么,是想看看保险还继续生效的情况下,每年白交多少钱,不是退保,所以不考虑cash value

而surrender cost是退保成本,想看看如果退保是白交了多少钱,所以这个才要考虑cash value

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