两种不同精算方法下变额寿险保额的比较

本文从寿险精算学的基本原理出发分析两种变额寿险分红计算方法的内在逻辑,同时站在投保人的立场分析二者的保障性与储蓄性,并用模特卡罗模拟随机利率下两种方法的保额均值与方差,最后指出固定保费增额法原理上的缺陷和可能产生的后果,为投保人选择自己需要的险种。

In this paper, the author makes use of the basic principles of life insurance actuarial science - to analyze the internal logic of two kinds of variable life insurance, while standing in the position of the insured, compares the supportability and the feature of saving. By analysing Monte Carlo model simulate the mean and variance arising from the two methods, the author puts forward the shortcoming of the fixed premium variable method and the possible consequences. Then the author makes some suggestion for the insured to choose the insurance products they need.