生存保险投保期限的选择模型

Study on the Selective Model of the Optimal Insurance Period of Life Insurance

当购买生存保险时,投保人需要选择投保期限,在单位保费收益与单位保费购买风险的和为目标函数的情况下,讨论了在给定年龄x和安全载荷ρ的条件下,如何选择投保期限才能使得目标函数达到最大值.

While purchasing life insurance,the policyholders need to make a decision on how long the insurance period should be. The objective function is the sum of income expectation and risk for per premium. With age x and safety loading ρ being given,the optimal insurance period is obtained.