如何选择死亡保险的投保期限  

How Long the Insurance Period of Life Insurance should Be

作　　者：王磊[1] 李俊海[1] 侯长顺[1] 

机构地区：[1]河南工业大学,郑州450001

出　　处：《经济研究导刊》2008年第12期63-65,共3页Economic Research Guide

基　　金：河南省自然科学基金资助项目(200711007)

摘　　要：当购买死亡保险时,投保人需要选择投保的期限。以平均收益与风险的和为目标函数,讨论了在给定年龄x和安全载荷!的条件下,如何选择投保期限才能使得目标函数达到最大值。同时,利用数值计算结果讨论了年龄对最优投保期限的影响。While purchasing life insurance, the insured should make a decision that how long the insurance period should be. The objective function is the sum of income expectation and risk. Given age and safety loading, we study that which insurance period make sure that the objective function arrival its maximum. And with help of numerical computation, the relation of age and insurance period is studied.

关 键 词：死亡保险 保险期限 平均收益 风险 

分 类 号：O211.6[理学—概率论与数理统计]