136***652019-02-13 12:36:45
136***65老师你好, 原版书Reading 14课后题第15题中什么叫net payment cost index? 然后17题中为什么没有考虑family living expense （decline by $30,000 each year）?
回答（1）
Irene2019-02-14 18:26:05
Irene同学你好，
The net payment cost index assumes that the insured person will die at the end of a specified period, such as 20 years. Calculation of the net payment cost index includes the following steps:
A.Calculate the future value of an annuity due of an amount equal to the premium, compounded at a 5% discount rate for 20 years. An annuity due—an annuity for which the premium payment is received at the beginning of the period (versus an ordinary annuity, for which the premium payment is received at the end of the period)—is used because premiums are paid at the beginning of the period.
- 评论（0）
- 追问（8）
- 追答
-
B.Calculate the future value of an ordinary annuity of an amount equal to the projected annual dividend (if any), compounded at 5% for 20 years. An ordinary annuity is used because dividend payments are made at the end of the period.
C.Subtract B from A to get the 20-year insurance cost.
- 追答
-
D.Calculate the payments for a 20-year annuity due with a future value equal to C and a discount rate of 5%. This amount is the interest-adjusted cost per year. Again, an annuity due is used because premium payments occur at the beginning of the year.
E.Divide by the number of thousand dollars of face value.
- 追答
-
同学你好。因为family的living expense已经可以被salary cover，所以不用考虑capital need了。
- 追问
-
不是很明白从题干哪里可以看出未来的“family的living expense已经可以被salary cover”？（而且在算capital needs的时候是考虑了Olivia的工资的，也考虑了其他的living expense） 另外，discount rate可以直接6%-3.5%吗？
- 追答
-
同学你好。
假设A死亡
expense：95000-30000=65000
salary是85000>65000,可以cover。
- 追问
-
这道题中的discount rate可以直接6%-3.5%吗？
- 追答
-
同学你好。
可以的。但是这样计算出来和最终答案当中的结果会有误差。所以建议在下午题，也就是选择题里面，最好用比较精确地乘除的方法。
- 追答
-
上午题因为有过程，所以可以直接用加减。
评论
0/1000
追答
0/1000
+上传图片