保险精算实验指导书（修改）( 1) - 图文(9)

10 11 12 13 14 15 16 17 18 19 20

8%

8% 8% 8% 8% 8% 8% 8% 8% 8% 8% 8%

五、实验过程

1.20年期定期寿险，保险金额1000的毛保费.

趸缴：$C$1*(基数表!$J2-基数表!$J22)/((1-要求!$B$42)*基数表!$I2) 10年缴费：$C$1*(基数表!$J2-基数表!$J22)/((1-要求!$C$42)*基数表!$I2+(1-要求!$C$43)*基数表!$I3+(1-要求!$C$44)*基数表!$I4+(1-要求!$C$45)*(基数表!$K5-基数表!$K12))

20年缴费：$C$1*(基数表!$J2-基数表!$J22)/((1-要求!$D$42)*基数表!$I2+(1-要求!$D$43)*基数表!$I3+(1-要求!$D$44)*基数表!$I4+(1-要求!$D$45)*基数表!$I5+(1-要求!$D$46)*(基数表!$K6-基数表!$K22))

20年期定期寿险 保险金额 1000

10年缴20年缴

年龄 趸缴

费 费

0 7.114999 0.849887 0.468013 1 6.908568 0.824966 0.454284 2 6.857273 0.818645 0.450812 3 6.942102 0.82864 0.456338 4 7.138174 0.851965 0.469219 5 7.418909 0.885435 0.487699 6 7.759982 0.926134 0.510176 7 8.138717 0.971345 0.535153 8 8.538788 1.019115 0.561554 9 8.958968 1.069299 0.589299 10 9.406735 1.122801 0.618885 11 9.892015 1.180818 0.650971 12 10.42385 1.244442 0.686156 13 11.00969 1.314575 0.72494 14 11.64346 1.390496 0.766925 15 12.31964 1.471547 0.81175 16 13.03061 1.55681 0.85891 17 13.76926 1.645416 0.90793 18 14.53144 1.736848 0.958528 19 15.31867 1.831267 1.010801 20 16.1385 1.929559 1.065246 21 17.00879 2.033868 1.123057 22 17.94332 2.145853 1.185161 23 18.95548 2.267138 1.252468 24 20.05606 2.399039 1.325718

36

25 26 27 28 29 30 31 32 33 34 21.2539 22.56291 24.0026 25.59881 27.3683 29.32014 31.45401 33.7642 36.24723 38.91845 2.542635 2.699615 2.872348 3.063976 3.276553 3.511209 3.767937 4.04609 4.345286 4.667457 1.405519 1.492824 1.588962 1.695695 1.814188 1.945102 2.088473 2.243986 2.411477 2.592078 35 41.80322 36 44.9504 37 48.43083 38 52.32933 39 56.73376 40 61.7237 41 67.36754 42 73.7235 43 80.84072 44 88.77132 45 97.5716 46 107.3056 47 118.047 48 129.8775 49 142.8864 50 157.1678 51 172.8192 52 189.9421 53 208.6271 54 228.9491 55 250.9484 56 274.6226 57 299.9278 58 326.7889 59 355.1127 60 384.8002 61 415.7539 62 447.8458 63 480.9312 64 514.8238 65 549.2879 66 584.0357 67 618.7336 68 653.0187 69 686.5162 70 718.8603 71 749.7103 72 778.7679 37

5.015725 5.396035 5.816998 6.288915 6.822491 7.427484 8.112386 8.88457 9.750415 10.71677 11.79109 12.98177 14.29852 15.75217 17.3549 19.12015 21.06263 23.19876 25.54488 28.11674 30.92682 33.98259 37.28645 40.8367 44.62957 48.66175 52.9323 57.43953 62.18332 67.16144 72.36814 77.79248 83.41817 89.22566 95.19421 101.3058 107.5474 113.9132 2.787589 3.0014 3.238415 3.504523 3.805898 4.14827 4.536753 4.97596 5.47008 6.02374 6.642099 7.331107 8.09771 8.949821 9.896468 10.94781 12.11522 13.41167 14.8508 16.44678 18.21292 20.16072 22.29989 24.63903 27.1869 29.95403 32.95411 36.2022 39.71624 43.51482 47.61618 52.03686 56.79121 61.89216 67.35201 73.18434 79.40482 86.03237

73 805.7968 74 830.636 75 853.2113 76 873.5381 77 891.7181 78 907.9263 79 922.3907 80 935.3686 81 947.1158 82 957.8757 83 967.8506 84 977.196 85 986.0213

2.终身寿险，保险金额1000的毛保费。

120.409 127.0539 133.8841 140.9541 148.3385 156.1321 164.4487 173.4204 183.1906 193.927 205.8061 219.0167 233.759 93.09159 100.6141 108.6414 117.2265 126.4361 136.352 147.0718 158.7102 171.3935 185.2739 200.5163 217.3029 235.8334

年龄

0 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28

趸缴 180.6045 184.4406 188.487 192.734 197.1664 201.7651 206.5125 211.3931 216.3981 221.5271 226.785 232.1761 237.7037 243.3704 249.1744 255.1115 261.1749 267.3578 273.6544 280.0624 286.5844 293.2326 300.0181 306.9526 314.0458 321.3039 328.7322 336.3362 344.1238

10年缴费

21.57322 22.02441 22.50223 23.00558 23.53247 24.08033 24.64674 25.22949 25.82738 26.4404 27.06938 27.71506 28.37804 29.0588 29.75714 30.47238 31.20342 31.94904 32.70813 33.48 34.26475 35.064 35.87936 36.71254 37.56511 38.43806 39.33227 40.24874 41.18893 20年缴费

11.87987 12.12818 12.39155 12.66935 12.96048 13.2635 13.57706 13.89994 14.23144 14.57152 14.92058 15.27898 15.64699 16.02487 16.41249 16.80949 17.21529 17.62928 18.0509 18.47989 18.91643 19.36156 19.81628 20.28165 20.75861 21.24781 21.74983 22.26531 22.79517

38

缴费至65岁

5.62390514 5.77908354 5.94451793 6.12018806 6.30586281 6.50115816 6.70574555 6.91935488 7.14200151 7.37404427 7.61609751 7.86878359 8.13273422 8.40859189 8.69685387 8.99794012 9.31218713 9.63996292 9.98171164 10.3380864 10.7100548 11.0991444 11.5069806 11.9353433 12.386097 12.8610678 13.3622268 13.8917568 14.4522235

终身缴费 5.269789 5.404266 5.547338 5.698877 5.858547 6.025871 6.200413 6.38179 6.569871 6.764835 6.967077 7.176983 7.394927 7.621272 7.856226 8.099904 8.352321 8.613497 8.88349 9.162511 9.451012 9.749891 10.06007 10.38253 10.71826 11.06812 11.433 11.81386 12.21186

29 30 31 32 33 34 35 36 37 352.0971 360.2557 368.5957 377.1137 385.8069 394.6816 403.7402 412.9837 422.4126 42.15333 43.14212 44.15481 45.19094 46.25019 47.33384 48.44243 49.5763 50.73572 23.3398 23.89942 24.47391 25.06316 25.66719 26.2869 26.92284 27.57549 28.24538 15.0460953 15.6759813 16.3445545 17.0548212 17.810226 18.6153084 19.4748937 20.3943704 21.3798507 12.62792 13.06293 13.51763 13.99285 14.48953 15.0092 15.55329 16.12325 16.72066 38 432.0257 39 441.8209 40 451.7968 41 461.9548 42 472.2996 43 482.837 44 493.5739 45 504.5143 46 515.657 47 526.9968 48 538.5269 49 550.2419 50 562.1414 51 574.229 52 586.5135 53 599.0032 54 611.7027 55 624.6048 56 637.6849 57 650.9043 58 664.216 59 677.5737 60 690.9419 61 704.2983 62 717.6333 63 730.9462 64 744.2364 65 757.4994 66 770.7223 67 783.8843 68 796.9597 69 809.9214 70 822.7448 71 835.4073 72

847.8875 51.92066 28.93299 53.13095 29.63888 54.36669 30.36394 55.6285 31.10956 56.91779 31.87781 58.23626 32.67112 59.58591 33.49236 60.96826 34.34435 62.38389 35.22964 63.83281 36.15058 65.31515 37.10974 66.83211 38.11037 68.38697 39.15698 69.98512 40.25542 71.63436 41.41326 73.34361 42.63911 75.1219 43.94228 76.97613 45.33155 78.90897 46.81402 80.91919 48.3953 83.0028 50.08016 85.15557 51.87402 87.37636 53.78503 89.66874 55.82514 92.04178 58.01082 94.50969 60.36296 97.08952 62.90563 99.79981 65.66544 102.6588 68.67041 105.6839 71.94977 108.8931 75.53467 112.3059 79.45891 115.9458 83.76041 119.8408 88.48133 124.0236 93.66817

39

22.4381863 23.5771749 24.8059382 26.1353263 27.5784253 29.1507891 30.8710268 32.7611229 34.8470206 37.1598062 39.7375592 42.6279765 45.8921288 49.6091246 53.8832347 58.8532084 64.707006 71.7040928 17.34708 18.00417 18.69377 19.4181 20.17982 20.98195 21.82791 22.72124 23.66543 24.66397 25.72057 26.83944 28.02575 29.28573 30.62693 32.05787 33.58775 35.22554 36.97898 38.85455 40.85782 42.99451 45.27211 47.70088 50.29446 53.07 56.04714 59.24746 62.69342 66.4081 70.41582 74.74277 79.4186 84.47669 89.95445

73 860.1669 128.5334 99.37281 74 872.2279 133.4158 105.6521 75 884.0548 138.724 112.5688 76 895.6317 144.5191 120.1914 77 906.9432 150.8712 128.5948 78 917.9739 157.8599 137.8609 79 928.708 165.5749 148.0791 80 939.1306 174.1179 159.3485 81 949.2236 183.5983 171.775 82 958.9784 194.1503 185.4872 83 968.3844 205.9196 200.6269 84 977.433 219.0698 217.3556 85 986.1168 233.7816 235.8563 86 994.4304 250.2537 87 1002.37 268.7025 88 1009.935 289.3609 89 1017.123 312.4768 90 1023.938 338.3105 91 1030.383 367.1326 92 1036.461 399.2212 93 1042.181 434.8597 94 1047.55 474.3329 95 1052.576 517.9267 96 1057.272 97 1061.649 98 1065.723 99 1069.514 100 1073.051 101 1076.393 102 1079.664 103 1083.197 104 1087.995 105

1097.477

六、实验报告要求

详细写出实验步骤 七、思考题

1、两全险的毛保费怎么通过实验得出？ 八、注意事项

40

95.89472 102.3456 109.362 117.0052 125.3442 134.4561 144.4265 155.351 167.3319 180.4928 194.9686 210.9111 228.4903 247.8964 269.343 293.0683 319.3379 348.447 380.7221 416.5229 456.2437 500.3126 549.1943

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