【摘要】 建立了一种家庭联合保险的双随机模型。模型包括夫妻终身寿险,子女早亡补偿保险,夫妻养老金及子女不足18周岁而父母早逝时给子女的抚养保险金。随机利率采用Wiener过程建模,给出了纯保费精算现值的计算公式。更多还原

【Abstract】 In this paper, We constituted an actuarial model for family combine insurance, which includes for couple’s combine whole life insurance, compensate insurance for couples if their children died young, couple pension and support insurance for children who under 18 age but their parents died couples, and establish its dual random model of which the force interest accumulation function is a Wiener process, and obtain calculate formulas of actuarial present value of net premium. Finally, the concise expression are given in the death happens uniformly during the period of every policy year.更多还原