| 一种改进的家庭联合保险的精算模型 |
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| 引用本文： | 李玉水.一种改进的家庭联合保险的精算模型[J].莆田学院学报,2011,18(1):46-49. |
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| 作者姓名： | 李玉水 |
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| 作者单位： | 福建江夏学院,金融系,福建,福州,350007 |
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| 摘 要： | 针对我国的家庭联合保险的产品少,形式单一,产品不能满足日益变化的保险需求现状,以及我国家庭的特点,设计一款以父母和子女共同作为被保险人的家庭联合保险,并采用Copula函数来刻画家庭成员之间的相依关系,最后给出了该联合保险的精算现值及其均衡年纯保费的计算方法。
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| 关 键 词： | 家庭联合保险 精算现值 均衡保费 |
An Improved Actuarial Model for Family Combined Insurance |
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| LI Yu-shui.An Improved Actuarial Model for Family Combined Insurance[J].journal of putian university,2011,18(1):46-49. |
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| Authors: | LI Yu-shui |
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| Institution: | LI Yu-shui(Department of Finance,Fujian Jiangxia University,Fuzhou Fujian 350007,China) |
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| Abstract: | At present,products of family combined insurance are few and the forms are single,they can't meet the changing needs of the insurance market.View of the characteristics of Chinese family,design a family combined insurance with parents and children together as the insured,and introduce copula function to depict dependent relationship between family members.Finally we give the actuarial present value of the combined insurance and the method of the level annual pure premium. |
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| Keywords: | family combined insurance actuarial present value level premium |
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