保险精算-生命表及换算表(三组)

993065 992078
72684177 71691112
73.15 72.23
5 0.000702 991646
696
991298 70699034
6 0.000579 990950
574
990663 69707736
71.29 70.34
7 0.000489 990376
484
990134 68717074
986972 60806749
62.56 61.59
16 0.000602 986711
594
986414 59819877
60.63
17 0.00067 986117
Hale Waihona Puke Baidu661
985786 58833463
18 0.000724 985456
713
985099 57847677
59.66 58.7
19 0.000762 984742
93 0.217252 75255
94 0.23445 58906
95 0.253233 45095
96 0.282344 33676
97 0.292664 24504
98 0.314651 17333
99 0.336441 11879
100 0.35808
7882
101 0.381455
5060
102 0.405397
计算年末给
付的基本人
寿保险的趸
缴纯保费
（年利率为
v^k+1
k/qx
v^k+1*k/qx SUM
0.943396226 0.004321562 0.004076945 0.047511149
0.88999644 0.004749786 0.004227293
0.839619283 0.005215201 0.004378784
712
978406 49008852
51.04 50.07
28 0.00073 978051
714
977694 48030446
49.11
29 0.000743 977337
726
976974 47052752
30 0.000773 976611
755
976233 46075779
48.14 47.18
8 0.000421 989892
417
989683 67726940
69.38 68.42
9 0.000374 989475
370
989290 66737257
67.45
10 0.000346 989105
342
988934 65747967
11 0.000339 988763
335
988595 64759033
84 0.103653 321430
85 0.112976 288113
86 0.123047 255563
87 0.133927 224117
88 0.145631 194101
89 0.158079 165834
90 0.171599 139619
91 0.185702 115661
92 0.200967 94182
Ｌx 998546
Ｔx 75673158
ｅx 75.67
1 0.002016 997091 2010
996086 74674612
74.89
2 0.00147 995081 1463
994349 73678526
74.04
3 0.001114 993618 4 0.000872 992511
1107 865
36.69 35.75 34.82 33.9 32.98 32.06 31.16
30.26 29.36 28.48 27.6 26.73 25.87 25.01 24.17 23.34 22.52 21.71 20.91 20.12 19.35 18.58 17.84 17.1 16.39 15.68 14.99 14.32 13.66 13.03 12.4 11.8 11.21 10.64 10.09 9.56 9.05 8.56 8.08 7.63 7.19 6.77 6.37
750
984367 56862578
20 0.000778 983992
766
983609 55878211
57.74 56.79
21 0.000784 983226
771
982841 54894602
55.83
22 0.00078 982456
766
982072 53911761
54.87
23 0.000767 981689
753
981313 52929688
53.92
24 0.000752 980936
738
980568 51948375
25 0.000738 980199
723
979837 50967808
52.96 52
26 0.000728 979475
713
979119 49987971
27 0.000727 978762
31 0.000809 975856
789
975461 45099545
32 0.000855 975006
834
974649 44124085
46.22 45.25
33 0.00091 974232
887
973789 43149435
34 0.000976 973346
950
972871 42175646
66.47 65.5
12 0.000356 988427
352
988251 63770438
13 0.000396 988075
391
987880 62782187
64.52 63.54
14 0.000457 987684
451
987458 61794307
15 0.000529 987233
522
90127 61037 40118 25512 15632 9161 5066 2570 1109
289
5.99 5.62 5.27 4.94 4.63 4.33 4.05 3.79 3.54 3.3 3.08 2.87 2.68 2.49 2.31 2.15 1.98 1.81 1.62 1.38 1.05 0.05
3130
103 0.429801
1861
104 0.454556
1061
105
1
579
33317 32550 31446 30015 28267 26215 23959 21478 18928 16349 13810 11420 9171 7172 5454 3997 2823 1930 1269
800 482 579
0.591898464 0.00892896 0.005285038
1324 1449
968381 966995
38290433 37322051
39.51 38.57
40 0.00165 966271
1594
965474 36355056
37.62
41 0.001812 964676 42 0.001993 962928 43 0.002193 961009 44 0.002409 958902 45 0.002658 956592 46 0.002933 954049 47 0.003231 951251
1748 1919 2107 2310 2543 2798 3073
963802 961969 959955 957747 955320 952650 949714
35389583 34425781 33463812 32503856 31546110 30590789 29638139
48
0.003558 948177 49 0.003925 944804 50 0.004322 941095 51 0.00477 937028 52 0.005263 932558 53 0.00579 927650 54 0.006367 922279 55 0.007005 916407 56 0.007735 909988 57 0.008524 902949 58 0.009386 895252 59 0.010349 886849 60 0.011378 877671 61 0.012508 867685 62 0.013779 856832 63 0.015167 845026 64 0.016672 832209 65 0.018275 818335 66 0.020107 803380 67 0.022111 787226 68 0.024315 769820 69 0.036701 751102 70 0.029296 731046 71 0.032152 709630 72 0.035305 686814 73 0.038746 662566 74 0.042465 636894 75 0.046582 609848 76 0.051078 581440 77 0.055926 551742 78 0.061236 520885 79 0.066958 488988 80 0.073092 456246 81 0.079823 422898 82 0.087192 389141 83 0.095102 355211
3374 3708 4067 4470 4908 5371 5872 6419 7039 7697 8403 9178 9986 10853 11806 12817 13875 14955 16154 17406 18718 20055 21417 22816 21248 25672 27046 28408 29699 30857 31897 32742 33348 33757 33930 33781
304771 271838 239840 209109 179968 152727 127640 104922 84719 67080 52000 39385 29090 20918 14606
9881 6471 4095 2495 1461 820 289
1924126 1619354 1347516 1107676 898567 718599 565873 438233 333311 248592 181512 129512
946491 942950 939062 934793 930104 924965 919343 913197 906468 899101 891051 882260 872678 862259 850929 838618 825272 810857 795303 778523 760461 741074 720338 698222 674690 649730 623371 595644 566591 536313 504936 472617 439572 406020 372176 338321
中国人寿保险业经验生命表(1990--1993)
China Life Insurance Mortality Table (1990--1993)
非养老金业务男女表CL3(1990--1993)
年龄 死亡率 生存人数 死亡人数
生存人年数
平均余额 (x)
x
ｑx
ｌx
ｄx
0 0.002909 1000000 2909
28688425 27741935 26798985 25859923 24925130 23995026 23070061 22150718 21237520 20331052 19431952 18540901 17658640 16785962 15923704 15072775 14234157 13408885 12598028 11802725 11024202 10263741 9522667 8802329 8104107 7429417 6779688 6156316 5560672 4994081 4457768 3952832 3480215 3040642 2634622 2262446
44.29 43.33
35 0.001057 972396 1028
971882 41202775
42.37
36 0.001146 971368 37 0.001249 970255
1113 1212
970812 969649
40230893 39260082
41.42 40.46
38 0.001366 969043 39 0.001497 967719
0.792093663 0.005707182 0.004520622
0.747258173 0.00623954 0.004662547
0.70496054 0.006820778 0.004808379
0.665057114 0.007479585 0.004974351
0.627412371 0.00817877 0.005131462