Basics of life insurance | Life insurance
/ risk management
"Three insurance principles"
* Law of large numbers
* The principles such as income and expenditure aspects（A principle
of need 10 minutes）
* Fairness doctrine（A principle of payment / the counter-presentation
equality）
"A business premium"
A pure premium
Guaranteed interest rate： The rate of the operative gain (a minus
premium) of the savings premium
The plan death rate： A rate to predict sex, a death toll according
to the age for the cause by the past data
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A plan business expense rate： A business expense rate to need
for insurance business administration
* A surplus fund： A surplus fund (a profit difference, differential
profit by fewer deaths, cost margin) by the plan basic rate (guaranteed
interest rate, the plan death rate, a plan business expense rate)
becomes the object of the contractor dividend.
"Contractor dividend" normal allotment： It is a payment
bonus after a contract every year from the third year： Allotment
for the long-term contract（The cancellation of a contract or insurance
payment at the time of contract extinction）
A receipt method of the dividend
1, savings： 2, addition to save dividend： It is addition 3, offset
to an insurance： 4, cash to deduct from a premium： I receive it
every year in cash
Having allotment or not is different by a kind (the existence allotment
insurance, the non-dividend paying insurance, the associate existence
allotment insurance) of the attention) insurance "An average
life span"
Based on a life table; and the calculation year living more how
many years in a certain point in time
* An average life span： An average life span of 0 years old child
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