针对同质寿险保单组，分别建立了确定利率与随机利率准备金精算模型。

This paper develops benefit reserve models with deterministic and stochastic interest rate for a homogeneous portfolio of life insurance policies.

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有前条第二款情事发生，其保险费已付足一年以上者，保险人应将其保单价值准备金给付与应得之人。

Where subparagraph 2 of Article 20 applies and the premium has been paid for over one year, the insurer shall make the policy value reserve payable to whomsoever is so entitled.

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为确保保险事业提存准备金即使在极不利的环境之下仍能充分支应所有有效保单未 来之责任，多年以来ING集团提拨之保险责任准备金乃是采用相当严谨之90%信用区 间并且每年评估。

For many years ING has applied an annual test to assess whether insurance reserves are adequate to meet the estimated future payments on in-force policies using a prudent 90% confidence level.

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