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tzdsgn · 2023年07月09日

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NO.PZ202301041000002304

问题如下:

Based on the data in Exhibits 1 and 2 and using the human life value method for determining life insurance needs, the additional amount of life insurance that Bradley should purchase is closest to:

选项:

A.

$1,701,345.

B.

$1,547,862.

C.

$1,951,345.

解释:

The additional amount of life insurance Bradley should purchase using the human life value method is calculated as follows. The calculations assume (1) Bradley works for exactly 15 years and (2) his family needs the proceeds of the life insurance immediately upon his death.

1 Calculate the pretax income needed to be replaced


2 Adjust the discount rate to account for the projected growth rate of earnings and expenses

Discount rate: 4%

Projected annual salary and expense increase for Bradley: 3%

Calculate the adjusted rate (i):

i = [(1 + Discount rate)/(1 + Growth rate)] – 1= [(1 + 0.04)/(1 + 0.03)] – 1= (1.04/1.03) – 1= 1.0097 – 1= 0.0097 = 0.97%

3 Determine the total amount of life insurance needed by calculating the present value of an annuity due in advance

$139,063 × PVAADV(15 years, 0.97%) = $1,951,345

[Inputs on financial calculator (HP-12C):

Mode: BEG; n: 15; i: 0.97; PMT: 139,063; FV: 0; calc PV]

4 Less Bradley’s current life insurance coverage (from Exhibit 1)

(250,000)

5 Additional life insurance required for Bradley

$1,701,345

B is incorrect. The employer contribution to the defined-contribution retirement plan was not included in Step 1 of the calculation.

C is incorrect. The current $250,000 life insurance coverage was not deducted from the calculation of the total life insurance needed.

此类计算是否都默认了expense也是按照每年3%增长?且已经买的这份保险的benefit不用考虑20%的税?

还有保险基本都采用先付年金,除非有说明比如dividend在年末支付?

1 个答案
已采纳答案

王暄_品职助教 · 2023年07月10日

此类计算是否都默认了expense也是按照每年3%增长?

这个是题目的已知条件:

且已经买的这份保险的benefit不用考虑20%的税?

是的,这个题目没说就不用考虑拉

还有保险基本都采用先付年金,除非有说明比如dividend在年末支付?

对,通常这种计算题我们都采用先付的模式,除非明确说明了一定要用后付

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