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Liam · 2021年05月22日

问个问题

  1. CFA III
  2. 个人IPS

NO.PZ2018091705000084

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:

本题其它都没有问题，得出最后都计算结果1523.82，但是最后除以100是个啥？

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1 个答案
已采纳答案

王暄_品职助教 · 2021年05月23日

根据原版书的内容，协会出题是默认每一份保险的面值为1000

所以本题【Jacques purchases a US$100,000 face value】，说明他买了一共100,000这么多的保额，那么100,000/1000=100

则100为份数，1,523.81/100得每份保险得net payment cost index

所以考试遇到类似题目，同学用总的face value除以1000，得到份数。


提供以下基础班讲义内容供同学参考。

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