寿险精算课程设计

1、保险精算课程设计题 目:男性20年全期两全寿险的 年缴均衡纯保费 学 院： 理学院 班 级： 数学13-2班 学 生 姓 名： 李亚辉 学 生 学 号： 2013027904 指 导 教 师： 陈辉 2016年 12 月 22 日课程设计任务书姓名李亚辉班级数学13-2班学号14设计题目男性20年全期两全寿险的年缴均衡纯保费理论要点年龄间均匀分布假设死亡后立即给付的n年期两全寿险的年缴均衡纯保费即完全连续型n年期两全寿险的年缴均衡纯保费设计目标通过本次课程设计，能熟练使用Excel软件对数据进行处理，理解保险与年金的关系，锻炼将理论知识与实践操作相结合的能力，提高对Excel软件的操作能力。研

2、究方法步骤在Excel软件中输入中国人寿保险业经验生命表中的生存人数，通过Excel软件的计算，求出，进而得出n年期两全保险，由公式，进而求出死亡后立即给付的男性20年全期两全寿险的年缴均衡纯保费。预期结果1. 找出相关换算函数；2. 利用Excel计算出均衡纯保费；3. 能对结果进行了合理的分析；计划与进步的安排课程设计安排两周，分四个阶段完成：第一阶段（第1-3天）：上网搜查有关资料,录入Excel数据第二阶段（第4-7天）：写课程设计理论依据部分,并整理出问题的求解公式和换算函数公式。第三阶段 (第8-11天)：用Excel进行相关函数求解，并得出结果第四阶段（第12-14天）：写课程设

3、计的摘要和结论，最后进行论文的审核和排版、打印等目录摘要I1问题分析12模型建立13换算函数计算23.1换算函数公式23.2 EXCELL计算公式24计算结果.35 结论.86 体会.8参考文献.8摘要针对当今保险行业的均衡纯保费问题，本文借男性20年全期两全寿险的均衡纯保费问题展开论述，并借助借助Excel软件处理相关数据。在Excel软件中输入中国人寿保险业经验生命表中的生存人数，通过Excel软件的计算，求出，得出n年期两全保险，进而求出死亡后立即给付的男性20年全期两全寿险的年缴均衡纯保费。然后对得出的结论进行分析，对输出结果进行评价，并提出合理化的建议。关键词 20年全期两全寿险 均

4、衡纯保费 经验生命表 生命年金 1问题分析求男性20年全期两全寿险的年缴均衡纯保费要求：根据附录表和4%的预定利率，计算死亡在年龄间均匀分布假设下死亡后立即给付的20年两全寿险的年缴均衡纯保费。由题目可知，死亡在年龄间均匀分布假设下，求预定利率为4%的死亡后立即给付的20年两全寿险的年缴均衡纯保费。所以是完全连续型寿险。然后根据寿险精算有关知识，通过换算函数就可列出男性n年全期两全寿险的均衡纯保费的计算公式.2模型建立2.1 n年期定期生命年金 （2-1）2.2 n年期两全保险 （2-2）其中表示n年期生存保险，表示n年期定期保险。n年期两全保险由二者构成。2.3 n年期两全寿险的年缴均衡纯保

5、费 （2-3）由等价原则，有 （2-4）所以可知，净保费是相应的保险与年金的精算现值的比率。因此，可利用年金与保险之间的关系式推导出跟简单的计算公式。由 （2-5）有 （2-6）于是有 （2-7）从而 （2-8）3换算函数计算3.1 换算函数公式 （3-1）其中 （3-2）表示折现因子；表示年利率；表示利息力；表示死亡人数；表示生存人数。与之间的关系为3.2 EXCELL计算公式在Excel软件中输入中国人寿保险业经验生命表（1990-1993） （男CL1）中的生存人数，求出，进而求出，即男性20年全期两全寿险的均衡纯保费。4计算结果表1 计算结果表x01000000303711000000

6、447779.52920.192199696321500.961538958618.3430105.61987.796299481316030.924556919760.5413129.81425.061399321012420.888996882960.1396830.81061.66749919689920.854804847938.4381185.4815.351759909768130.821927814510366168642.525769901636830.790315782540.2351752.1519.023979894805870.759918751923.5337910.

7、3428.915289888935140.73069722574.4324616.3361.129699883794630.702587694422311844.7312.7862109879164320.675564667400.7299570.7280.619119874844260.649581641450.8287771.6266.0783129870584520.624597616513.5276424.7271.4595139866065090.600574592530265510.1293.9348149860975950.577475569446.4257380.2330.38

8、24159855026960.555265547214.3244900.7371.6001169848067990.533908525796235170.3410.1852179840078930.513373505162.9225800.5440.8099189831149640.493628485292.7216776.2457.55531998215010100.474642466170.1208082.1460.95082098114010290.456387447779.5199704.4451.55982198011110270.438834430105.6191629.7433.

9、34822297908410090.421955413129.8183844.7409.3779239780759810.405726396830.8176337.2382.7092249770949500.390121381185.4169094.9356.361259761449220.375117366168162106.6332.5555269752229020.360689351752.1155361.1312.8285279743208920.346817337910.3148847.8297.4619289734288930.333477324616.3142556.3286.3

10、417299725359080.320651311844.7136476.9279.9534309716279350.308319299570.7130600277.1903319706929780.29646287771.6124916.4278.78673296971410320.285058276424.7119417.2282.865233968682-79000.274094265510.1114094.2-2082.0634976582101820.263552257380.21089392580.2763596640012770.253415244900.7103944311.1

11、653696512313860.243669235170.399101.65324.73543796373715080.234297225800.594404.99339.73043896222916460.225285216776.289847.23356.55753996058317980.216621208082.185422.12374.50374095878519660.208289199704.481123.69393.74644195681921530.200278191629.786086.79414.61384295466623580.192575183844.772885.

12、03436.62664395230825840.185168176337.268935.15460.07184494972428310.178046169094.965092.56484.66274594689331020.171198162106.661353.48510.63224694379133980.164614155361.157714.91537.84414794039337230.158283148847.854174.38566.62114893667040760.152195142556.350729.83596.48644993259444610.146341136476

13、.947380.2627.7195092813348820.14071313060044124.76660.53755192325153400.135301124916.440963.7694.71655291791158360.130097119417.237897.94730.04285391207563760.125093114094.234929.02766.91635490569969610.12028210893932059.24805.0785589873875940.11565610394429291.71844.50775689114482770.11120799101.65

14、26630.07885.05985788286790140.1069394404.9924078.59926.79545887385398060.10281789847.2321642.09969.448859864047106560.09886385422.1219325.621012.96460853391-884340.0950681123.6917134.47-8083.24619418251125370.09140486086.7915073.889890.72962829288135680.08788972885.0313148.871146.60963815720146600.0

15、8450868935.1511363.861191.24364801060158130.08125865092.569722.4531235.51365785247170220.07813361353.488227.1521278.82266768225182830.07512857714.916879.0191320.72967749942195930.07223854174.385677.5091360.92468730349209390.0694650729.834620.191398.47869709410223160.06678847380.23702.6491433.1270687

16、094237080.06421944124.762918.581463.95571663386250990.06174940963.72259.661490.23972638287264720.05937437897.941715.9631511.30873611815278050.05709134929.021276.1721526.35674584010290710.05489532059.24928.00181534.47475554939302450.05278429291.71658.71081535.0476524694312950.05075426630.07455.574715

17、27.24277493399321880.04880124078.59306.46761510.40578461211328920.04692421642.09200.12991484.07779428319333730.0451219325.62126.59991447.86580394946335980.04338417134.4777.437961401.56481361348335380.04171615073.8845.69241345.25182327810331690.04011113148.8725.958261279.27983294641324750.03856911363

18、.8614.169741204.33984262166314470.0370859722.4537.4132191121.36185230719300900.0356598227.1523.7105151031.70486200629284190.0342876879.0190936.932487172210264650.0329695677.5090838.953888145745242720.0317014620.190739.84189121473218930.0304813702.6490641.65979099580193980.0293092918.580546.667391801

19、82168570.0281822259.660456.78639263325143460.0270981715.9630373.79229348979119380.0260561276.1720299.0871943704196970.025053928.00180233.5986952734476760.02409658.71080177.8011961966859080.023163455.57470131.5851971376044150.022272306.4676094.5504298934531970.021416200.1299065.8327699614822370.02059

20、2126.5999044.29269100391115110.019877.43796028.7671710124009820.01903945.6924017.9767410214186130.01830625.95826010.790131038053670.01760214.1697406.2115331044382100.0169257.41321903.417581052282280.0162743.71051500接上表X1-074205.2960147.260.4618380.0392210.5381620.0181140.033658171285.159695.70.46076

21、20.0392210.5392380.0180710.033513269297.359262.360.4600810.0392210.5399190.0180450.033421367872.2458852.980.4596470.0392210.5403530.0180280.033363466810.5758470.270.459380.0392210.540620.0180170.033327565995.2258113.910.4592320.0392210.5407680.0180110.033307665352.6957781.350.4591760.0392210.5408240

22、.0180090.0333764833.6757468.520.459190.0392210.540810.018010.033301864404.7657171.060.4592610.0392210.5407390.0180130.033311964043.6356884.720.459380.0392210.540620.0180170.0333271063730.8456604.770.4595390.0392210.5404610.0180230.0333481163450.2256327.580.459730.0392210.540270.0180310.0333741263184

23、.1456048.790.4599410.0392210.5400590.0180390.0334021362912.6855765.930.4601570.0392210.5398430.0180480.0334311462618.7557847.990.4603610.0392210.5396390.0180560.0334591562288.3755267.710.4603710.0392210.5396290.0180560.033461661916.7754956.550.4605030.0392210.5394970.0180610.0334781761506.5854631.81

24、0.4605950.0392210.5394050.0180650.033491861065.7754292.080.460650.0392210.539350.0180670.0334981960608.2253935.520.4606790.0392210.5393210.0180680.0335022060147.2653561.020.4606970.0392210.5393030.0180690.0335042159695.753167.270.460720.0392210.539280.018070.0335072259262.3652752.660.4607620.0392210

25、.5392380.0180710.0335132358852.9852316.030.4608360.0392210.5391640.0180740.0335232458470.2751855.960.4609550.0392210.5390450.0180790.0335392558113.9151371.30.4611250.0392210.5388750.0180860.0335622657781.3550860.660.4613530.0392210.5386470.0180950.0335932757468.5250322.820.4616420.0392210.5383580.01

26、81060.0336322857171.0649756.20.4619950.0392210.5380050.018120.033682956884.7249159.710.4624160.0392210.5375840.0181360.0337373056604.7748531.990.4629050.0392210.5370950.0181550.0338033156327.5847871.460.4634670.0392210.5365330.0181770.033883256048.7947176.740.4641020.0392210.5358980.0182020.03396633

27、55765.9346446.70.4648160.0392210.5351840.018230.0340643457847.9945679.780.4705380.0392210.5294620.0184550.0348563555267.7144874.70.4668710.0392210.5331290.0183110.0343463654956.5544030.20.4678650.0392210.5321350.018350.0344843754631.8143145.140.4689610.0392210.5310390.0183930.0346363854292.0842218.3

28、40.4701670.0392210.5298330.018440.0348043953935.5241248.890.4714910.0392210.5285090.0184920.0349894053561.0240235.930.4729430.0392210.5270570.0185490.0351944153167.2748319.170.4745340.0392210.5254660.0186120.0354194252752.6638428.440.4743640.0392210.5256360.0186050.0353954352316.0337281.830.4761860.

29、0392210.5238140.0186760.0356554451855.9636090.590.4781810.0392210.5218190.0187550.0359414551371.334855.080.4803610.0392210.5196390.018840.0362564650860.6633576.250.4827420.0392210.5172580.0189330.0366044750322.8232255.520.4853390.0392210.5146610.0190350.0369864849756.230894.60.4881680.0392210.511832

30、0.0191460.0374074949159.7129496.120.4912470.0392210.5087530.0192670.0378715048531.99280630.4945920.0392210.5054080.0193980.0383815147871.4626599.050.4982220.0392210.5017780.0195410.0389435247176.7425108.810.5021540.0392210.4978460.0196950.039565346446.723597.50.5064080.0392210.4935920.0198620.040239

31、5445679.7822071.140.5110.0392210.4890.0200420.0409855544874.720536.670.5159480.0392210.4840520.0202360.0418055644030.219001.630.5212690.0392210.4787310.0204450.0427065743145.1417474.390.5269780.0392210.4730220.0206680.0436945842218.3415963.980.5330880.0392210.4669120.0209080.0447795941248.8914479.91

32、0.539610.0392210.460390.0211640.0459696040235.9313032.040.5465520.0392210.4534480.0214360.0472746148319.1711630.480.6012840.0392210.3987160.0235830.0591476238428.4410285.230.5665370.0392210.4334630.022220.0512626337281.839005.9470.575030.0392210.424970.0225530.053076436090.597801.6080.583960.0392210

33、.416040.0229030.0550516534855.086680.2470.5933160.0392210.4066840.023270.0572196633576.255648.5430.603080.0392210.396920.0236530.0595926732255.524711.6110.6132310.0392210.3867690.0240510.0621856830894.63872.6570.6237380.0392210.3762620.0244630.0650176929496.123132.8160.6345680.0392210.3654320.024888

34、0.06810670280632491.1570.6456790.0392210.3543210.0253240.0714727126599.051944.4890.6570260.0392210.3429740.0257690.0751347225108.811487.7030.6685610.0392210.3314390.0262210.0791147323597.51113.9110.680230.0392210.319770.0266790.0834327422071.14814.82370.6919790.0392210.3080210.027140.0881117520536.6

35、7581.22520.7037540.0392210.2962460.0276020.0931727619001.63403.42410.7154990.0392210.2845010.0280620.0986377717474.39271.8390.7271610.0392210.2728390.028520.104537815963.98177.28860.7386910.0392210.2613090.0289720.1108737914479.91111.45580.7500430.0392210.2499570.0294170.1176898013032.0467.163150.76

36、11740.0392210.2388260.0298540.1250028111630.4838.395980.7720490.0392210.2279510.030280.1328378210285.2320.419240.7826350.0392210.2173650.0306960.141216839005.9479.6291130.7929070.0392210.2070930.0310980.150166847801.6083.417580.8028430.0392210.1971570.0314880.159711856680.24700.8124270.0392210.18757

37、30.0318640.169875865648.54300.8211260.0392210.1788740.0322050.180044874711.61100.8298730.0392210.1701270.0325480.191317883872.65700.8382030.0392210.1617970.0328750.203186893132.81600.8461010.0392210.1538990.0331850.215627902491.15700.8535510.0392210.1464490.0334770.228591911944.48900.8605230.0392210.1394770.033750.241978921487.70300.8669780.0392210.1330220.0340040.255624931113.91100.8728530.0392210.1271470.0342340.26924794814.823700.8780410.0392210.1219590.0344370.28236995581.225200.8823680.0392210.1176320.0