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2006年1月1日中国保监会发布的“中国人寿保险业经验生命表(2000～2003)”正式实施以来,保险公司的保险费率并没有作相应的调整。本文就中国保险业的这种状况,对几个有代表性险种在新旧生命表下的纯保险成本进行分析,从而得出死亡率的改进对几个基本险种的纯保险成本有显著影响的结论,这对投保人及保险人的决策都有重要意义。
January 1, 2006 China Insurance Regulatory Commission released the “Life Insurance Life Insurance China Life Table (2000 ~ 2003),” the official implementation of the insurance company’s insurance rates and no corresponding adjustments. Based on the situation of China’s insurance industry, this paper analyzes the pure insurance costs under the old and the new life tables for several representative types of insurance and concludes that the improvement of mortality rate has a significant effect on the pure insurance costs of several basic types of insurance , Which policyholders and insurers are important decisions.