保险精算学公式

精品i ()Ia=ni ()Ia=n第一章利息理论a=nis=a(1+i)n=(1+i)n1nni1a=ia=an6.nnd1a=ds=(1+i)n1n6ni nnini ii2第二章生命表ll=ldx+1xxq=xx2+mxxx+tt=00Te=xexlx第三章生存年金d=qlxxxL=1(l+l)；x2xx+1计算公计算公式Nx+1DxNxDxNNx+1x+n+1DxNNxx+nDx给付方式一年给付一次一年给付一次现值符号axaxaxnaxn给付类别期末付期首付期末付期首付年金名称终身年金精品.终身年金终身年金递增终身年金一年给付一次一年给付一次连续年金连续年金连续年金变额年金变额年金变额年金期末付期首付期末付期首付期末付期首付期末付期首付期末付期首付——————期末付期首付期末付期首付期末付aaaaxxn|xn|xa(m)a(m)axaxna(Ia)x(Ia)x(Ia)(Ia)(Ia)Nx+n+1DxNx+nDxNNx+n+1x+n+m+1DxNNx+nx+n+mDxa+a-x2ma+En|x2mnxa-En|x2mnxa+(1-E)x:n2mnxa-(1-E)x:n2mnxNxDxNNxx+nDxNx+nDxSx+1SxDxx+n+1x+1xx+n+1Dxxx+nxxx+nDxSx+1x+n+1Dx精品.((Ia)xx+nDx期首付精品各种年金之.x+2Dxxx期末付Dx连续终身递增Ddt0tx+tDxx+1D变额年金变额年金期首付期首付期末付(Da)(Da)x+n+2x+n+1x+1xxxa=a+xx:na=Enxnxaax+na=1+aa=aa=a1EnxEnxx:nx:n1EnxEnxx:nx:n1xxma(m)=Ea(m)n|xnxx+nD=vxlN=Dxxxx+tt=0xx+tx+ttt0000xx+tx+txx+t000t=0xx+tx+t精品.第四章人寿保险.AxA1An|xA(IA)x(IA)nxAxA1AnxA(IA)x(IA)nxMxDxMMxx+nDxMx+nDxMM+Dx+nxxx+nxDxRxDxx+nxxx+nxDxxx+nDxnM(R+R)x+1Dxxx+1DxxMxDxMMxx+nDxMx+nDxMM+Dx+nxxx+nxDxRxDxx+nxxx+nxDxRRxx+nDx))x+n+1x+n+1xDx精品A=1-6ax:nx:n.A=1-6ax:nx:nC=vx+1dxxM=xwCxx+ttxx+tC=j1vx+1lpdt=j1Dpdtx0x+tx+t0x+tx+tM=xwC=jwDpdtxx+t0x+tx+txx+t与生存年金现值的关系式：A=va-axxxA=va-ax:nx:nx:nA=va-an|xx:nx:n|xA=1-daxxA=1-dax:nx:nA+iA+ia=1xxxA=1-6axxA1=1-E-6x:nnxxn(IA)=v(Ia)-(Ia)xxx(IA)1=v(Ia)-(Ia)x:nx:nx:n(IA)=a-d(Ia)xxx第五章均衡净保费均衡净保费是基于前面各章节的基础上，综合前面的所有内容，计算以及处理方法类似。AP=xx