| 1. | Contract of life annuity
终身年金契约
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| 2. | Deferred life annuity
延期人寿年金
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| 3. | On the other hand , the moment , the second moment and variance of the present value random variables about some life annuities and annuities with random interest rate are gotten
另一方面讨论了随机利率下的一些离散年金、连续年金和连续生存年金现值随机变量的一阶和二阶原点矩及其方差。
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| 4. | In this paper , firstly the fluctuation of the interest rate and the research situation of the life insurance actuary models with random interest rate are introduced as well as the elementary notion about life annuities and annuities
本文首先介绍了利率的波动性及随机利率下的寿险精算模型的研究现状。然后，引入了有关(生存)年金的基本概念。
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| 5. | On the basis of this , some annuities and life annuities with certain interest rate are more discussed . the property of m power of the present value about the discrete and continuous annuities is found as well as some recursion formulae and differential equations about some life annuities
在此基础上，一方面对确定利率下的一些(生存)年金作了进一步地讨论，得到了某些离散和连续年金现值的m ( m 2的整数)次方性质及一些离散生存年金精算现值的递推方程和一些连续生存年金精算现值所满足的微分方程。
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| 6. | 2 the aggregate model of life insurance establish an aggregate model of life insurance by applying the alien modernly insurance actuarial theories and techniques , including deferred life annuities , whole life insurance and returnable premiums . the model has the following properties : ( a ) through the regulation of various parameters in the model , various insurance products can be obtained ; ( b ) the introduction of whole life annuities in the model eases economic predicament when the insured retire ; ( c ) a returnable premium part in the model makes the insurance products have double functions of insurance and savings ; ( d ) an endowment insurance actuarial model also can be gotten when annuity is continuous . and construct an optimization model based on aggregate model of life insurance
这个保险精算模型具有如下性质： ( a )保险公司可以根据实际情况调整参数，不同参数的组合可以得到不同的保险产品，灵活适用性较强； ( b )年金的引入，可以缓解投保人退休后的经济窘境，避免或减小因退休而面临的经济影响，保险的社会保障性得到了很好的体现； ( c )模型中的还本部分，使得这种保险产品具有储蓄和保险的双重功能，不仅扩大了保险的社会职能，而且对于投保人来说，多了一种安全的投资选择； ( d )年金连续的情况下，建立了具有储蓄功能的养老保险精算模型。
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