含生命终末期提前给付责任的定期寿险纯保费测算研究

A Study on Estimation of Pure Premium of Term Life Insurance with Early Payment Liability at the End of Life

本文分析了生命终末期保险金提前给付责任与定期寿险定义的冲突,探讨生命终末期提前给付责任的意义,通过构建精算模型,计算包含生命终末期提前给付责任和身故责任的定期寿险纯保费。结果表明,被保险人投保包含生命终末期提前给付责任和身故责任的定期寿险时,仅需在传统型定期寿险(仅包含身故责任)的基础上最多再负担约6%的保费。

This article analyzes the conflict between the end-of-life premium payment liability and the definition of term life insurance,discusses the meaning of the end-of-life early payment liability,and then builds an actuarial model to calculate the net premium of the term life insurance including the end-of-life ear⁃ly payment liability and death liability.The results show that when the insured purchases term life insurance including end-of-life early payment liability and death liability,they only need to bear a maximum of about 6%of the premium on the basis of traditional term life insurance(only death liability included).