两全保险是一种保险类型,外文名是Endowment Insurance,又称生死合险,是指被保险人在保险合同约定的保险期间内死亡,或在保险期间届满仍生存时,保险人按照保险合同约定均应承担给付保险金责任的人寿保险。
从降低保险公司所面临风险的角度出发,给出了两全保险在协方差和方差最小时的最佳年限的确定模型。
From the viewpoint of reducing the risk faced by insurance company, the models for determining the best time limit of endowment insurance are given under the minimum covariance and variance.
There are also survivorship policies that will pay, for example, the second to die-- there would be a policy if a husband and wife get it, then it pays out when the second of them dies.
还有一种叫做生死两全保险,它会向身故受益人赔付直至其死亡,若一对夫妻购买这种保单,且其中一方死亡,那么它会给活着的一方赔付直至其死亡
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