标准人寿首次进入中国市场在1846-1937年间,是首家英国人寿保险企业进入中国并算出首份中国人口的死亡率表(mortality table)。公司于1946年将中国保单管理业务转移至爱丁堡办公室,对保单理赔一直延续至1960年代。
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如果你提供人寿险,你会找张寿命表,告诉你各个年龄段的死亡率,但那是针对普通人群的。
If you offer life insurance, you have life tables which give you probabilities of dying at various ages, but that's for the general population.
实际上,寿险死亡率与生命表的死亡率有所差别,利率具有随机性。
In fact, there are some differences between life insurance death rate and death rate in mortality table, and rate of interest taken on randomness.
在第6章,考虑到在人寿保险的纯保费及理论责任准备金的计算中,死亡率一般依据生命表,利息率一般采用固定利率。
In chapter 6, considering the pure insurance premium and the calculation of net premium reserves death rate is due to life table, rate of interest is taken by fixed rate of interest.
If you offer life insurance, you have life tables which give you probabilities of dying at various ages, but that's for the general population.
如果你提供人寿险,你会找张寿命表,告诉你各个年龄段的死亡率,但那是针对普通人群的
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