NO.PZ202301041000002201
问题如下：
Which of Boylan’s initial comments about life insurance is most accurate?
选项：
A.Comment 2
Comment 1
Comment 3
解释：
Comment 3 is
correct. The most relevant considerations in pricing life insurance are
mortality expectations, the discount rate and loading. The discount rate
represents an assumption about the insurer’s return on its investment portfolio
and itis used to discount future expected outflows, i.e., death benefits: as
the discount rate decreases, the present value of those expected future cash
flows increase making insurance costlier, i.e., higher premiums.
选项b不是说reduce risk吗，怎么看出来是说的是死亡风险呢