The Illustration for the Application of Asset Share in Premium.docVIP

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The Illustration for the Application of Asset Share in Premium.doc

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The Illustration for the Application of Asset Share in Premium.doc

The Illustration for the Application of Asset Share in Premium Abstract With a case of whole life insurance, on the base of the actuarial theory of life insurance, this paper accounts for the theoretical foundation of the pricing method of asset share, establishes an intact theoretical framework, and simulates the process that the insurance company ascertains gross premium. In addition, for a real policy, the intact cash flow table is made out. This paper has valuable reference for further systematic study. Key words: Premium; Asset share; Surplus; Profit; Cash flow JI Zhirong, HE Dongjin 2013 . The Illustration for the Application of Asset Share in Premium. Canadian Social Science, 9 2 , -0. Available from: /index.php/css/article/view/j.css.1座机电话号码0130902.Z10210 DOI: /10.3968/ j.css. 1座机电话号码0130902.Z10210 INTRODUCTION The calculation of premium is the kernel of actuarial theory of life insurance, and more crucial to product development. But now insurance market is filled with various insurances, and the additive method of net premium can’t meets requirements of the insurance company. So the insurance industry increasingly advocates the pricing method of asset share which is to be the mainstream. In this context, this paper applies asset share to test premium, makes an exploratory study on its theoretical foundations, and simulates the process that the insurance company ascertains gross premium with the pricing method of asset share. With a case of whole life insurance, the paper firstly demonstrates the calculation of predetermined asset share and empirical asset share, whose difference implies potential profit; then analyzes the surplus; finally makes a case study on a practical whole life insurance policy particularly in terms of one marginal equilibrium year index in profit targets, evaluates the reasonability of the premium, works out relevant adjustment of premium, makes out the intact cash flow table and simulates the process that the insurance company ascer