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Ryoooh · 2020年11月29日

问一道题：NO.PZ2018091705000084

  1. CFA III
  2. 个人IPS

问题如下：

Jacques purchases a US$100,000 face value whole life policy has an annual premium of US$2,000, paid at the beginning of the year. Policy dividends of US$500 per year are anticipated, payable at year-end. A cash value of US$32,500 is projected for the end of Year 30. Jacques has a life expectancy of 30 years and a discount rate of 5%. The net payment cost index that Jacques calculate is closest to:

选项：

A.

$17.22.

B.

$16.89.

C.

$15.24.

解释：

C is correct.

考点: Net payment cost index

解析： The net payment cost index假设被保险人在30年后死亡。计算net payment cost index包括以下步骤:

这题计算annual payment for insurance cost的时候为什么是用期初的模式计算？我按期末模式算pmt数值就不对了

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1 个答案

Olive_品职助教 · 2020年11月30日

嗨，从没放弃的小努力你好：


因为保费是在期初支付的，所以计算annual payment for  insurance cost要用先付模式。


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