We extend the traditional constant interest rate reserve model in life insurance with premium paid each year until death.

针对按年缴费的终身寿险模型，改进传统的常值利率的准备金模型。

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A model for the valuation of traditional participating life insurance policies is set up.

对传统的参加寿险保单的估价建立了模型。

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However, with the life insurance business gradually shift to intensive, the disadvantages of traditional marketing also appeared.

然而，随着寿险经营逐渐向集约型转变，这种传统的营销弊端也日益显现出来。

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German consumers buy their traditional life insurance policies through agents like Allianz's, but they tend to buy mutual funds and other equity products through their bank branches.

FORBES: Schulte-Noelle Scores

Its network of 14, 000 agents have made Allianz No. 1 in Germany's traditional life insurance market, with Euro4.2 billion in gross premiums written in Germany in the first half of 2000.

FORBES: Schulte-Noelle Scores

While it has a 15% market share in traditional fixed-annuity life insurance products, it has less than 2% of Germany's mutual fund market-and virtually nothing in equity-linked variable annuities.

FORBES: Schulte-Noelle Scores