whole life insurance

With the development and expansion of participating life insurance business, the scale of participating life insurance reserves is increasing steadily, and its position in the whole reserves of life insurance company is becoming more and more important.

随着分红保险业务的不断发展和扩大，分红保险责任准备金的规模也与日俱增，它在寿险公司整个责任准备金体系中的地位也越来越重要。

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In order to highlight specifically the unique attributes of insurance, it is worth focusing on those services that are not provided by other financial services providers, excluding for instance the Contractual Savings features of whole or universal life products.

为了特别强调保险业的独特属性，本文着力探讨那些未由其他金融服务提供商提供的服务，但像终身或万能寿险产品的契约储蓄功能除外。

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Among the 56 companies, China Life, China Ping An and China Pacific occupy 70% of the whole life insurance market.

在这56家寿险公司中，中国人寿、中国平安和中国太保三家寿险公司的市场份额占整个寿险市场份额的70%以上。

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The actuarial formula of pure premium of the whole life insurance is discussed, as discount factor is random.

在贴现因子为随机的条件下，给出终身寿险纯保费的精算公式。

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The actuarial formula of pure premium of the whole life insurance is discussed factor is random.

本文给出了在随机利率下,终身寿险的纯保费和纯保费责任准备金的计算方法.

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Under such an environment, the whole Life Insurance industry is facing to two problems: one is in which ways the customers wanted to get the Life Insurance products and correlative services;

在竞争日趋激烈、需求同益多样化和个性化的市场环境中，整个人寿保险行业都面临这样两个问题：一是顾客希望通过什么样的途径获得人寿保险产品和服务；

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The first is that whole life insurance accrues a cash value, which can be paid out upon death, or at a certain age.

首先是整个寿险累积的现金价值，可以支付时死亡，或在一定的年龄。

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the saving aspect of whole life insurance is easily seen by examining the net single premium for whole life insurance.

终身寿险的储蓄特征很容易通过检查其趸缴净保费看出来。

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