寿险精算词汇

1《寿险精算》英汉词汇（杨维张运刚编写）Aactuarialaccumulatedvalue精算积累值accumulatedcostofinsurance保险成本累积值actuarialpresentvalue精算现值adjustedpremium调整保费age-at-death死亡年龄aggregatetable综合表amountofdeathclaim死亡保险金annuitant年金领取人或年金受益人annuity年金annuity-certain确定年金annuity-due期初付年金annuity-immediate期末付年金annuityinadvance预付年金，即每年年初支付的年金annuityinarrears每年年末支付的年金annualpremium年度保费annuitytable年金生命表apportionableannuity-due比例期初年金apportionablepremium比例保费assetshare资产份额Bbasicpremium基本保费2bearinterest带息bearingnointerest不计利息benefit给付businesspremium营业保险费，或总保险费Ccashvalue现金价值central-death-rate中心死亡率centralrateofdecrement中心减因率cohort/deterministicsurvivorshipgroup同生群commutationfunctions换算函数、转换函数、替换函数completeannuity-immediate完全期末年金completeexceptionoflife完全平均余命compoundinterest复利constantforceofmorality常值死亡力curtateexceptionoflife简约平均余命Ddeath/failure/hazardrate死亡率decreasingannuity递减型生存年金decreasingtermlifeinsurance递减定期寿险decrement损失decrementaltable减因表deferredinsurance延期终身寿险deferredperiodduration延长期限3deferredtemporarylifeannuity延期定期生存年金deferredwholelifeannuity延期终身生存年金dividend红利Eeffectiverateofdiscount实际利率effectiverateofinterest实际利率endowmentinsurance两全保险expensereserve费用责任准备金experiencetable经验生命表extrareserveforlosspremium附加责任准备金Fforceofinterest利息力forceofmorality死亡力fullpreliminaryterm（FPT）完全初年定期式修正方法futurelifetime剩余寿命futureloss未来损失Ggrosspremium毛保费grosspremiumreserve毛保费责任准备金4Hhalf-yearlypremium半年缴保费Halley’sTable哈雷生命表Iincreasingannuity递增型生存年金increasinglifeinsurance递增寿险independentrateofdecrement独立损失率insuranceagainstdeath死亡保险insuranceoption保险选择权interestloss利差损interestprofit利差益Jjointinsurance连生保险joint-lifestatus连生状态Llast-survivorstatus最后生存状况lawofmortality死亡法则levelnetpremium均衡净保费5life-aged-x年龄为x岁的人lifeannuity生存年金lifeexpectancy预期寿命lifefunctions生命函数lifetable生命表limitingage终极年龄loadingloss利差损loadingprofit费差益Mmodifiedreserve修正责任准备金mortalitytable死亡表m-thlypaymentlifeinsurance年付m次生存年金multipledecrementmodel多损因或多减因模型multipledecrementtable多损因表或多减因表Nnaturalpremium自然保费netamountatrisk风险净值netpremium净保费或纯保费netpremiumreserve净保费责任准备金netprobabilitiesofdecrement净损失率netsinglepremium趸交净保费nominalrateofdiscount名义贴现率nominalrateofinterest名义利率6non-forfeiturebenefits不没收价值n-yearcertain-and-lifeannuityn年期确定生存年金n-yeardeferredm-yearterminsurancen年延期m年定期寿险Ppaid-upinsurance缴清保险payableattheendoftheyearofdeath死亡年末给付payableatthemomentofdeath死亡即刻给付payableinadvance期初给付payableinarrear期末给付perpetuity永久年金populationtable国民生命表principleofequivalence收支平衡原则prospectiveformula未来法pureendowmentinsurance纯生存保险Rradix（生命表）基数recursiveformulas递归方程retrospectiveformula过去法Ssecond-to-dielifeinsurance残存者保险7selectandultimatemortalitytables选择——终极生命表selectperiod选择期限selecttable选择表simpleinterest单利steppremium阶梯保费surplus盈余surrendercharge解约费用surrenderprofit解约益survivalfunction生存函数Tterminsurance定期寿险temporarylifeannuity定期生存年金Uultimatetable终极表unearnednetpremium未经过净保费或未赚得保费uniformdistributionofdeathassumption死亡人数付出均衡分布假设Vvariableannuity变额年金8variablelifeinsurance变额寿险Wwaitingperiod等待期wholelifeannuity终身生存年金wholelifeinsurance终身寿险withdraw退保