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moon · 2022年02月21日

reinsurance and life settlements这种策略有啥特点?

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NO.PZ201909280100001006

问题如下:

Which of the three characteristics of life settlements noted by Anderson is correct?

选项:

A.

Characteristic 1

B.

Characteristic 2

C.

Characteristic 3

解释:

B is correct. Hedge funds look for policies in which the ongoing premium payments to keep the policy active are relatively low, so Characteristic 2 is correct. Hedge funds also look for life settlements where the surrender value offered to the insured individual is also relatively low and the probability that the designated insured person is likely to die earlier than predicted by standard actuarial methods is relatively high.

A is incorrect because hedge funds look for policies in which the surrender value offered to the insured individual is relatively low (not high) in order to enhance return by purchasing at a lower price.

C is incorrect because hedge funds look for settlements in which the probability that the designated insured person is likely to die earlier than predicted by standard actuarial methods is relatively high. This means the hedge fund’s cash outflows to pay the ongoing premium will be less than predicted, which will enhance return.

B 是正确的。 对冲基金寻找的保单中保持保单活跃的持续保费支付相对较低,因此特征 2 是正确的。 对冲基金还寻找人寿结算,其中提供给被保险人的退保价值也相对较低,并且指定的被保险人可能比标准精算方法预测的更早死亡的可能性相对较高。

A 不正确,因为对冲基金是寻找提供给被保险人的退保价值相对较低(不高)的保单,以便通过以较低的价格购买来提高回报。

C 不正确,因为对冲基金寻找指定被保险人可能比标准精算方法预测的更早死亡的概率相对较高的结算。 这意味着对冲基金用于支付持续溢价的现金流出将少于预期,这将提高回报。

reinsurance and life settlements这种策略有啥特点?

1 个答案

伯恩_品职助教 · 2022年02月22日

嗨,努力学习的PZer你好:


----------------------------------------------
虽然现在很辛苦,但努力过的感觉真的很好,加油!

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NO.PZ201909280100001006 问题如下 Whiof the three characteristiof life settlementsnoteAnrson is correct? A.Characteristic 1 B.Characteristic 2 C.Characteristic 3 B is correct. Hee fun look forpolicies in whithe ongoing premium payments to keep the poliactive arerelatively low, so Characteristic 2 is correct. Hee fun also look for lifesettlements where the surrenr value offereto the insureinviis alsorelatively low anthe probability ththe signateinsureperson is likelyto e earlier thprectestanractuarimetho is relatively high.A is incorrebecause hee funlook for policies in whithe surrenr value offereto the insurenviis relatively low (not high) in orr to enhanreturn bypurchasing a lower price. C is incorrebecause hee funlook for settlements in whithe probability ththe signateinsureerson is likely to e earlier thprectestanractuarimetho isrelatively high. This means the hee funs cash outflows to pthe ongoingpremium will less thprecte whiwill enhanreturn. B 是正确的。 对冲基金寻找的保单中保持保单活跃,并且持续的保费支付相对较低,因此特征 2 是正确的。 对冲基金还寻找人寿结算,其中提供给被保险人的退保价值也相对较低,(这样保单持有人就不会退保了),并且指定的被保险人可能比标准精算方法预测的更早死亡的可能性相对较高(就是精算师根据大数据预测平均寿命是75-77岁,然后根据这个做的投保的金额保证公司不会亏还能赚。只有被保人死亡早于75岁,保险公司才在这个人身上亏,HF才能赚)。A 不正确,因为对冲基金是寻找提供给被保险人的退保价值相对较低(不高)的保单,以便通过以较低的价格购买来提高回报。C 不正确,因为对冲基金寻找指定被保险人可能比标准精算方法预测的更早死亡的概率相对较高的结算。 这意味着对冲基金用于支付持续溢价的现金流出将少于预期,这将提高回报。(这个是根据原文要翻译,写的比较拗口,可以看下面的解析。是指如果刚好在精算师得预计死亡时间范围内,比如80岁到82岁之间,精算师计算保费都是计算整体平均死亡时间,如果死的比这个早,就可以早点拿到赔偿,如果死的和精算师预计得一样,就没有赚到利润。如果是表达的死亡早于精算师计算的死亡时间,这个C就对了。) HF把保险从poliholr手上买过来,pool起来,那HF万一要退保,不是就能获得更高的退保价值了么?

2024-01-27 12:32 1 · 回答

NO.PZ201909280100001006 问题如下 Whiof the three characteristiof life settlementsnoteAnrson is correct? A.Characteristic 1 B.Characteristic 2 C.Characteristic 3 B is correct. Hee fun look forpolicies in whithe ongoing premium payments to keep the poliactive arerelatively low, so Characteristic 2 is correct. Hee fun also look for lifesettlements where the surrenr value offereto the insureinviis alsorelatively low anthe probability ththe signateinsureperson is likelyto e earlier thprectestanractuarimetho is relatively high.A is incorrebecause hee funlook for policies in whithe surrenr value offereto the insurenviis relatively low (not high) in orr to enhanreturn bypurchasing a lower price. C is incorrebecause hee funlook for settlements in whithe probability ththe signateinsureerson is likely to e earlier thprectestanractuarimetho isrelatively high. This means the hee funs cash outflows to pthe ongoingpremium will less thprecte whiwill enhanreturn. B 是正确的。 对冲基金寻找的保单中保持保单活跃的持续保费支付相对较低,因此特征 2 是正确的。 对冲基金还寻找人寿结算,其中提供给被保险人的退保价值也相对较低,并且指定的被保险人可能比标准精算方法预测的更早死亡的可能性相对较高。A 不正确,因为对冲基金是寻找提供给被保险人的退保价值相对较低(不高)的保单,以便通过以较低的价格购买来提高回报。C 不正确,因为对冲基金寻找指定被保险人可能比标准精算方法预测的更早死亡的概率相对较高的结算。 这意味着对冲基金用于支付持续溢价的现金流出将少于预期,这将提高回报。 C错哪了?他说了被保人在HF的精算假设范围内死亡的概率很大啊? 如果这样说都错,请问应该怎么表达才是正确的? more earlier thmortality assumption?

2022-06-04 10:00 1 · 回答