讨论了以一对夫妻作为被保险人，投保养老金(附死亡)保险时，其纯保费和责任准备金的计算问题。
The problem is dealt with of calculating a couple's net premium and reserve when they are insured against pension annuity (including death insurance) as insurants.
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。
When calculating the pure premium and theory premium reserve in life insurance, the mortality is usually bases on life table, and the interest rate is usually fixed.
其保费计算分为两个部分，一是纯保费，另一是保险公司经营操作的费用。
Cent of computation of its insurance cost is two parts, it is pure insurance cost, the another charge that is insurance company management operation.
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