李同學(xué)
2018-06-16 06:521.在計(jì)算保額時(shí)候，用的兩種方法，收入倍數(shù)法和保額需求法，英文分別是？ 2.在計(jì)算金融資產(chǎn)時(shí)候，是不是不算life insurance的金額，但如果給了cash value,是不是要加上cash value金額？
所屬：CFA Level III 視頻位置 相關(guān)試題
來(lái)源： 視頻位置 相關(guān)試題
1個(gè)回答
Irene助教
2018-06-19 18:08
該回答已被題主采納
同學(xué)你好
2. net payment cost index assumes that the insured person will die at the end of a specified period, such as 20 years
The surrender cost index assumes that the policy will be surrendered at the end of the period and that the policy owner will receive the projected cash value.
所以計(jì)算 net payment cost index 不減cash value
計(jì)算surrender cost index，減去cash value
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追答
1. 這不是在計(jì)算保費(fèi)的時(shí)候，是core capital的時(shí)候。
The most straightforward way of calculating core capital is to calculate the present value of anticipated spending over one’s remaining life expectancy. 這是保額需求法。
Another approach is to calculate expected future cash flows by multiplying each future cash flow needed by the probability that such cash flow will be needed, or survival probability。這是收入倍數(shù)法。
原版書上都是描述，沒(méi)有具體的名字。
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