一种特殊家庭联合保险的精算模型研究

A special family coinsurance actuarial model

为了消除利率随机性所产生的风险,对随机利率采用AR(1)模型建模,以一种特殊家庭联合保险模型为基础,讨论了多元生存函数,给出了保额的精算现值及其均衡年保费的计算方法.

In order to eliminate interest rate risk arising from randomness, a family coinsurance model established based on the random rate dertermied by AR （1） model, the multiple survival function discussed, and the actuarial present value of the insured amount and equilibrium premiums are given.