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Infinite · 2020年02月16日

问一道题:NO.PZ2020011901000024

问题如下:

What two activities of life insurance companies have opposite exposures to longevity risk?

选项:

A.

Term life insurance and whole life insurance

B.

Term life insurance and endowment life insurance

C.

Whole life insurance and annuities

D.

None of the above

解释:

C. Most forms of life insurance have mortality risk (i.e., the risk that policyholders will die earlier than expected). Annuities have longevity risk (i.e., the risk that policyholders will live longer than expected).

这道题问的是跟longevity风险相反的exposure是什么,longevity是怕人活的久了赔付风险高,那个whole life insurance 是希望人活的久,不希望过早死亡而进行赔付,这个敞口跟longevity是相反的,我可以理解,但是annuities have longevity risk 这不就是说明跟longevity有着相同的exposure吗?并不是相反的exposure呀?

2 个答案

品职答疑小助手雍 · 2021年02月02日

可以啊,只不过C选项写的是whole life insurance而已。

品职答疑小助手雍 · 2020年02月17日

同学你好,这题。。可能是个对题面问题的理解问题,题目问的是,对保险公司而言,哪两种保险对longevity risk有相反的敞口,即,寿命的增加,会增加一个保险的风险,同时降低另一个保险的风险。life insurance有死亡风险,即policyholder比预期死得早,那么保险公司就要理赔;而年金有长寿风险,因为保险公司担心policyholder保险持有人会活得比预期更长。所有这两种保险对longevity risk有相反的敞口

Jessie999 · 2021年02月02日

那term life insurance为什么不可以 C选项

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