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wangtao19910225 · 2021年08月17日

如下文

  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:

我记得老师上课的时候有说，可以先用期间现金流轧差后计算更简单，请问具体步骤是啥？

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2 个答案

王暄_品职助教 · 2021年10月08日

最后一步为什么是除100？

因为我们要求的是每份保险的cost，1523.8是总保险的cost，且原版书默认每份保险的面额为$1000，那么本题总Face value = 100,000；100,000/1000=100，所以我们买了100份保险，所以最后除以100，从而求得每份保险的cost

王暄_品职助教 · 2021年08月18日

具体步骤如下：

500/(1+5%)=576.19

2000-576.19=1523.8

1523.8/100=15.24


但这种简便算法只适用于Net payment cost index

mario · 2021年10月06日

最后一步为什么是除100？

ccb · 2022年05月11日

surrender cost index中，将cash value折算成先付年金，在作差，也能简单一点

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