摘要
考虑在人寿保险中存在退保情况时的保费处理方法,即退保时死亡可得保额和不可得保额。引用Bayes方法,就寿命死亡率进行研究,并对保险经营中的盈亏进行了系统分析。
In this paper, two methods for treating life insurance when people are allowed to withdraw the insurance are described. By using Bayesian theorem, the distribution function of human mortality for insurance purposes is established, and the risk analysis of the profit or loss in life insurance business is also given.
