"Well,there are three basic paths they can go through. The first one is the Standard Model, which is basically the theory of what we know now.

VOA: standard.2010.03.05

Number of policies doesn't affect the means but it affects that standard deviation, so it becomes very collapsed and this is the basic core idea of insurance.

保单的数量并不影响其均值,但是会影响其标准差,所以这条曲线非常陡峭,而这就是保险的核心原理

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