Analysis of Discrepancy on Term Life Insurance and Whole Life Insurance: An Application of NPV
保單價值準備金 ； 淨現值法 ； 終身壽險 ； 定期壽險 ； the net present value method ； whole life insurance ； term life insurance ； the policy value reserve
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This thesis on how consumers buy life insurance products, according to their insurance needs and budget constraints, purchase the most affordable life insurance policy, to achieve the purpose of the least money to get the maximum protection and, through this study and empirical results of Chapter IV analysis, the ultimate guide on how to buy the most suitable insurance to promote compliance with the essence of insurance. The empirical results of this thesis summaries compiled in three parts. The first part is a dangerous condition for the payment of claims paid during the period: whole life insurance term life insurance will have to pay more than the cost of claims paid to obtain exactly the same, so in this case, the net present value of Evergrande in term life insurance whole life insurance, term life insurance to buy it more advantageous. The second part is greater than or equal to the life of the average life of claims paid: when the average life expectancy benefits, the present value of the net present value after subtracting the present value of the annuity premiums are negative, and with more longevity NPV low, obviously if buying life insurance, and whose life expectancy is greater than or equal to the average life expectancy of the insured person adversely. The third part is to pay less than the average life expectancy of danger expires claims, ninety percent male portion of the net present value of the empirical results is negative, while the female portion of the net present value of about 40 percent positive, although There are many life insurance policy value reserve escrow, term life insurance is still better than the life insurance.
社會科學 > 財金及會計學