保险精算课程设计模版.doc

保险精算课程设计题 目: （x）女性购买了从60岁开始给 付的20年定期寿险趸缴纯保费学 院： 理学院 班 级： 数学班 学 生 姓 名： 学 生 学 号： 指 导 教 师： 陈辉 2013 年 7 月 5 日课程设计任务书姓名班级学号设计题目（x）女性购买了从60岁开始给付的20年定期寿险趸缴纯保费理论要点以生命表的死亡率和预定年利率为基础，运用概率论的基本方法，讨论定期寿险的趸缴纯保费.设计目标给出某女性的年龄，可以根据生命表的死亡率和预定年利率，通过Excel计算出该女性购买从60岁开始给付的20年定期寿险趸缴纯保费.研究方法步骤首先阐述趸缴纯保费的理论依据，根据理论提出关于定期寿险趸缴纯保费的相关问题，写出程序，根据程序算出结果预期结果依据理论，写出正确的程序，可以算出最终结果计划与进步的安排第一阶段（1-2天）：复习课本的知识，查阅相关资料，写出任务书.第二阶段（3-4天）：理清思路，做好摘要及理论等内容的书写.第三阶段（5-6天）：用Excel表写出程序.第四阶段（7天）：运用程序解决问题，得出结果并检验.摘要针对定期人寿保险，定期人寿保险是以被保险人在保单规定的期间发生死亡，身故收益人有权领取保险金，如果在保险期间内保险人未死亡，保险人无须支付保险金也不返还保险费。趸缴纯保费是指投保人在保险开始时向保险公司一次缴清全部应缴的保险费。实际生活中，因为人寿保险期限要长达几十年，一次缴清保险费金额很大，一般人的经济能力难以承受，所以，除年金保险以外，很少有人是以一次性付清保险费的形式购买人寿保险的本文对解决x岁的女性购买了从60岁开始给付的20年定期寿险趸缴纯保的问题有很好的效果。并且利用EXCEL给出相应换算函数表和趸缴纯保费的表格。关键词 趸缴纯保费，生存人数，年利率，定期寿险目录摘要I1 课程设计题目12问题分析13模型建立14换算函数计算25计算结果3参考资料11II保险精算课程设计1. 课程设计题目（x）女性购买了从60岁开始给付的20年定期寿险趸缴纯保费要求：根据附录CL2表和6%的预定利率，保险金在死亡年末给付，利用EXCEL给出（x）女性购买了从60岁开始给付的购买20年定期寿险趸缴纯保费的计算程序，并列出相应换算函数表和趸缴纯保费。2.问题分析对于（x）女性购买了从60岁开始给付的20年定期寿险趸缴纯保费，首先对定期寿险趸缴纯保费的计算公式作分析，然后利用Excel表计算各个年龄的女性的趸缴纯保费。该问题应分为两部分处理，离散型人寿保险模型，是指以离散型未来寿命K（x）为基础，保险金是在被保险人死亡所处的保单年度末支付而建立的各种人寿保险的数学模型。假设被保险人在投保（或签单）时的年龄为x岁，其未来寿命整年数为K(x)，则其卡率分布为 （k=0,1,2,）假设保险金额在K(x)+1处给付，给付数额为元，记为在K(x)+1处给付1个单位保险金在签单时的利息贴现系数，Z为给付保险金额在签单时的现值。则 （K=0,1,2）因此，在离散型人寿保险模型下，现值随机变量Z的期望值E(Z)的一般表达式是对于人寿保险，现值随机变量Z的期望值E（Z）称为趸缴纯保费。连续型保险金是在被保险人的未来寿命T=T（x）时给付，即在被保险人死亡时立即给付。延期寿险意味着在保单签发后的若干年后才提供保障。3.模型建立死亡保险分为n年定期寿险和终身寿险。设年龄为x岁的人，投保或签约保险金额为1个保险单位的n年定期寿险则给付现值函数是其趸缴纯保费用符号表示，则记（x=0,1,2，）称为换算符号。由其和年龄组成的阵列称为换算函数表。则用，代替，可得对于延期寿险，假设（x）投保离散型的保险金额为1个单位的延期h年的n年定期寿险，则其趸缴纯保费是 4.换算函数计算对于x岁的女性，n年定期寿险趸缴纯保费为5.计算结果xqld00.0006611000000661623.5849100000010.000536999339535.6457476.7228942772.620.000424998803.4423.4926355.5726888931.530.000333998379.9332.4605263.339983825940.000267998047.4266.4787199.128479054750.000224997780.9223.5029157.5607745599.960.000201997557.4200.509133.3499703238.670.000189997356.9188.5005118.2675663299.380.000181997168.4180.4875106.8303625635.890.000175996987.9174.472997.42476590115.6100.000169996813.4168.461588.74342556615.4110.000165996645164.446481.72482525020.2120.000165996480.5164.419377.08618495220.3130.000169996316.1168.377474.47349467111.9140.000179996147.7178.310474.4027440597.1150.000192995969.4191.226175.27544415583.2160.000208995778.2207.121976.9177391984.4170.000226995571.1224.999178.82704369719.7180.000245995346.1243.859880.59884348713.3190.000264995102.2262.70781.91328328894.2200.000283994839.5281.539682.81639310195.7210.0003994558298.367482.79847292554.6220.000315994259.6313.191881.99276275912.1230.000328993946.4326.014480.51856260212.4240.000338993620.4335.843778.25112245402.9250.000347993284.6344.669775.76186231434260.000355992939.9352.493773.0959218258.1270.000362992587.4359.316670.29316205830.8280.000372992228.1369.108868.12152194109.7290.000386991859382.857666.65939183054.3300.000406991476.1402.539366.11903172626310.000432991073.6428.143866.34405162788.6320.000465990645.4460.650167.3407153507.8330.000496990184.8491.131767.73272144751.4340.000528989693.7522.558267.98755136490.2350.000563989171.1556.903368.35474128696.3360.000601988614.2594.157168.79934121343.3370.000646988020638.260969.72289114406380.000699987381.8690.179971.12685107860.5390.000761986691.6750.872373.00145101684400.000828985940.7816.358974.8756695855.31410.000897985124.4883.656676.4605190354.67420.000966984240.7950.776577.6115385163.79430.001033983289.91015.73878.2210580265.58440.001103982274.21083.44878.7125875644.03450.001181981190.71158.78679.4206571283.58460.0012749800321248.56180.7298467169.24470.001389978783.41359.5382.9291663286.48480.001527977423.91492.52685.888459621.3490.00169975931.31649.32489.539156160.61500.0018739742821824.8393.4594652892.17510.002074972457.22016.87697.4482949804.82520.002295970440.32227.161101.517546888.23530.002546968213.12465.071106.001744132.66540.002836965748.12738.862111.108641528.59550.003178963009.23060.443117.126739066.8560.003577959948.83433.737123.974636738.35570.0040369565153860.495131.493134534.84580.004556952654.54340.294139.467532448.55590.005133948314.24867.697147.56130472.37600.005768943446.55441.8155.626928599.96610.006465938004.76064.201163.6126825.46620.007235931940.56742.59171.615825143.43630.0080949251987488.552179.813623548.6640.009059917709.48313.53188.323422035.85650.010148909395.99228.549197.217920600.21660.011376900167.310240.3206.452319236.95670.0127688992711355.47215.976417941.61680.014316878571.612577.63225.680516710.07690.016066865993.913913.06235.511515538.54700.018033852080.915365.57245.376114423.49710.020241836715.316935.95255.145113361.69720.022715819779.318621.29264.655912350.22730.025479801158.120412.71273.694911386.5740.028561780745.322298.87282.060910468.28750.031989758446.524261.94289.52089593.676760.035796734184.526280.87295.86138761.116770.040026707903.728334.55300.92547969.344780.044726679569.130394.41304.53027217.323790.049954649174.732428.87306.52276504.265800.055774616745.834398.38306.73475829.576810.062253582347.436252.88304.97315192.865820.069494546094.637950.3301.18164593.957830.077511508144.339386.77294.88844032.74840.086415468757.540507.68286.11383509.583850.096294428249.841237.89274.78443024.814860.107243387011.941504.32260.90542578.813870.119364345507.641241.17244.57662171.938880.132763304266.440395.33226.00041804.421890.147553263871.138934.98205.50011476.284900.16385224936.136855.79183.51521187.22910.181775188080.434188.31160.5972936.5044920.20144715389231001.09137.3825722.897930.22298712289127403.09114.564544.5962940.24650795487.8723538.4392.83683399.2058950.27211571949.4419578.5272.84786283.7724960.29990352370.9215706.255.1318194.862970.32994236664.7212097.2340.06002128.7003980.36228124567.498900.33527.8051881.35533990.39693315667.166218.81118.3282448.945141000.4338699448.3454099.34411.3978227.846411010.4730085349.0012530.126.63655814.872371020.5142112818.8811449.4993.5868557.3939841030.5572691369.381763.11371.7814733.3885991040.601896606.2675364.910.8036551.4153191051241.3575241.35750.5014630.531551保费金额v15133.690.0047580.9433960.943396114510.10.0050470.9433960.8899960.94339614033.380.0053530.9433960.8396190.88999613677.810.0056760.9433960.7920940.83961913414.470.0060190.9433960.7472580.79209413215.340.0063820.9433960.7049610.74725813057.780.0067660.9433960.6650570.70496112924.430.0071730.9433960.6274120.66505712806.160.0076050.9433960.5918980.62741212699.330.0080630.9433960.5583950.59189812601.90.0085480.9433960.5267880.55839512513.160.0090630.9433960.4969690.52678812431.440.0096080.9433960.4688390.49696912354.350.0101860.9433960.4423010.46883912279.880.0107990.9433960.4172650.44230112205.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