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wangtao19910225 · 2021年08月17日

如下文

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:

我记得老师上课的时候有说,可以先用期间现金流轧差后计算更简单,请问具体步骤是啥?

2 个答案

王暄_品职助教 · 2021年10月08日

最后一步为什么是除100?

因为我们要求的是每份保险的cost,1523.8是总保险的cost,且原版书默认每份保险的面额为$1000,那么本题总Face value = 100,000;100,000/1000=100,所以我们买了100份保险,所以最后除以100,从而求得每份保险的cost

王暄_品职助教 · 2021年08月18日

具体步骤如下:

500/(1+5%)=576.19

2000-576.19=1523.8

1523.8/100=15.24


但这种简便算法只适用于Net payment cost index

mario · 2021年10月06日

最后一步为什么是除100?

ccb · 2022年05月11日

surrender cost index中,将cash value折算成先付年金,在作差,也能简单一点

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