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saimeiei · 2019年12月29日

问一道题：NO.PZ2018091705000084

  1. CFA III
  2. 个人IPS

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:

老师你好，请问怎么看出来是100份的？

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Yiyun · 2023年07月19日

简便算法：PMT of premiums minus PMT of dividends discounted one period

1 个答案
已采纳答案

包包_品职助教 · 2019年12月29日

嗨，从没放弃的小努力你好：


根据 net net payment cost index的定义，她计算的是每1000元保单金额的成本，题目中face value是100，000，有100个1000，相当于有100份，所以除以100

The two most popular indexes for comparison are the net payment cost index and the surrender cost index, both of which calculate a cost per year per thousand dollars of life insurance coverage under different sets of assumptions. 


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