具有储蓄功能失能收入保险的精算模型  

Disability Income Insurance Actuarial Model with Savings

作　　者：陈岱婉[1] 

机构地区：[1]汕头职业技术学院自然科学系,广东汕头515041

出　　处：《汕头大学学报（自然科学版）》2008年第2期27-31,共5页Journal of Shantou University：Natural Science Edition

摘　　要：把失能收入保险作为独立保险产品的主险,根据平衡原理,利用减量表模型,特别地增加还本部分,建立了一个综合的失能收入保险精算模型,保险公司可以根据不同的参数,获得不同的失能收入保险品种.这种保险具有储蓄和保障的双重功能,对投保人来说,多了一种理想的投资选择.A comprehensive disability income insurance actuarial model, in which returnable premium is specially introduced, is established by the use of decrement tables＇ models. The disability income insurance is regarded as independent insurance products, with the guide of the balance principle. Insurance companies can obtain various disability income another ideal investment insurance products according to different parameters. It is choice because this kind of insurance has both savings and protection function.

关 键 词：失能收入保险 精算现值 年金 

分 类 号：O29[理学—应用数学]