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: $17.22.
$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:
这道题我明白了,但是我发现自己总是在正负号的时候搞错
比如139521.58指的是我付出去的钱,33219.42是我得到的钱(是负号)
那这个时候算我的支出
①不用管正负号,直接用139521.58-33219.42
②用正负号,用支出减去收入,139521.58-(-33219.42)=139521.58+33219.42
哪个方法是正确的,老师可以附上一定的解释吗