【保险】LOMA考试辅导教程280-4.pptVIP

* Pricing Life Insurance Lesson 4 ? 1999 LOMA All Rights Reserved RETURN TO MAIN MENU Methods of Funding Life Insurance ? 1999 LOMA All Rights Reserved Mutual Benefit (historical) Assessment (historical) Legal Reserve (modern) Operating costs were divided among plan participants Members paid money when another member died Insurers are required to establish policy reserves RETURN TO MAIN MENU Factors Used to Calculate Premium Rates ? 1999 LOMA All Rights Reserved 1. Mortality Rates RETURN TO MAIN MENU ? 1999 LOMA All Rights Reserved MORTALITY TABLE MALE FEMALE AGE # LIVING # DYING