李同学2018-06-16 06:52:33
李同学1.在计算保额时候，用的两种方法，收入倍数法和保额需求法，英文分别是？ 2.在计算金融资产时候，是不是不算life insurance的金额，但如果给了cash value,是不是要加上cash value金额？
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Irene2018-06-19 18:08:40
Irene同学你好
2. net payment cost index assumes that the insured person will die at the end of a specified period, such as 20 years
The surrender cost index assumes that the policy will be surrendered at the end of the period and that the policy owner will receive the projected cash value.
所以计算 net payment cost index 不减cash value
计算surrender cost index，减去cash value
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1. 这不是在计算保费的时候，是core capital的时候。
The most straightforward way of calculating core capital is to calculate the present value of anticipated spending over one’s remaining life expectancy. 这是保额需求法。
Another approach is to calculate expected future cash flows by multiplying each future cash flow needed by the probability that such cash flow will be needed, or survival probability。这是收入倍数法。
原版书上都是描述，没有具体的名字。
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