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肖肾客 · 2020年03月07日

问一道题:NO.PZ201704060100000207

* 问题详情,请 查看题干

问题如下:

The net payment cost index that Blanc should calculate is closest to:

选项:

A.

$17.48.

B.

$20.00.

C.

$20.19.

解释:

C is correct.

The net payment cost index assumes that the insured will die at the end of a specified period—in this case, the given life expectancy of 20 years. Calculating the net payment cost index includes the following steps.

您好,李老师在讲课时,提到了一个简单的算法(基础和强化都讲到了)即NET PAYMENT INDEX=PREMIUM-DIVIDEND/(1+DISCOUNT RATE),在这里也就是12-2/(1+5%)=10.0953,但是在这里好像还要再乘以2才能得到正确答案,我没转过来,为什么会这样。谢谢您

1 个答案

Olive_品职助教 · 2020年03月08日

嗨,努力学习的PZer你好:


并不是乘以2,而是除以500。face value是1000,这个人买了500,000,也就是500,000/1000份。简单算法是为了算总的annual payment,你算的没问题。只是算完了要除以500才能得到每份的 net payment cost


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