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稍有点常识的人都知道,寿险业务与人口的生命期望值关系重大。一个成熟的保险市场上都有一个客观、公正的平均预期寿命表,以此来决定费率的高低,显而易见,一个可能活到90岁的人和一个可能活到30岁的人,若同时在20岁时向寿险公司投保时,获得的费率不可能相等。那么,保险公司又是如何来预测人们还能活多少年的呢?
A little common sense people know, life insurance business and the population’s life expectancy is significant. A mature insurance market has an objective and fair average life expectancy table, in order to determine the level of rates, it is clear that one may live to 90 years of age and one may live to 30 years of age, if at the same time When you are insured to a life insurer at the age of 20, you can not get the same rates. So how do insurance companies predict how many years people can live?