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人寿保险新《生命表》出台的消息引起了人们的极大关注,成千上万的业务员把它当成了与客户沟通的主要话题,大大小小的媒体报道也不计其数。谈论的核心问题是人寿保险的价格是否会上涨,这关系到所有渴望拥有人寿保险人的切身利益。人寿保险费的计算主要考虑三个因素:死亡(生存)因素,利息因素,附加费因素。因此,人寿保险费是依据预定死亡率、预定利率、预定业务费用率来计算的。“生命表”,又称为死亡表或寿命表,描述的是某人口群体死亡规律的概率分布,是保险公司计算预定死亡率的主要依据。
The news of the new “life table” of life insurance has aroused people’s great attention. Thousands of clerks regard it as the main topic of communication with customers. Media reports of all kinds, large and small, countless reports. The key issue to talk about is whether the price of life insurance will go up, which is all about the vital interests of all those who desire to own a life insurer. Life insurance premiums are calculated mainly three factors: death (survival) factors, interest factors, surcharges. Therefore, life insurance premiums are calculated on the basis of the planned death rate, the scheduled interest rate and the scheduled business expense rate. The “life table”, also known as the death table or the life table, describes the probability distribution of the death pattern of a population group and is the main basis for the insurance company to calculate the scheduled death rate.