基于多生命体寿命相关的联合保险定价模型

Actuarial Model for Combined Insurance under Dependent Lifetime

死亡率是影响家庭联合保险定价的重要因素之一.鉴于家庭成员可能由于突发事故而导致全部死亡的情形.文章摒弃对于多生命体寿险相互独立的传统假设,建立了一种基于生命相依的家庭联合保险精算模型.在此基础上,通过生命表函数推导出了更加合理的均衡年保费的定价公式.

Mortality rate is one of the important factor which affects the pricing of com- bined insurance. Considering the situation that both individuals would die in an incident,a special family combined insurance model is established. In this model, the hypothesis that the remaining lifetimes of both individuals are independent is abandoned, and mortality rate with dependent life-time is described. Then, more reasonable pricing formulas of balanced premium are get through life table functions.