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刘小小 · 2021年10月15日

net payment

  1. CFA III
  2. 个人IPS

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:

这里的32500没用？干扰项？

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1 个答案

王暄_品职助教 · 2021年10月16日

是的，因为本题求Net Payment cost index，用不到cash value

32500是cash value，只有surrender payment cost这个方法下，我们才考虑最后一笔cash value

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