multiple decrement table

简明释义

多重减量表

英英释义

例句

1.Insurance companies rely on a multiple decrement table to set premiums based on mortality and other decrement factors.

保险公司依赖多重减法表根据死亡率和其他减法因素来设定保费。

2.The multiple decrement table provided a clear overview of how different events could lead to policy lapses.

多重减法表提供了不同事件如何导致保单失效的清晰概述。

3.In retirement planning, a multiple decrement table helps in understanding how various factors affect the longevity of funds.

在退休规划中，多重减法表有助于理解各种因素如何影响资金的持久性。

4.By using a multiple decrement table, we can estimate the probability of an individual being alive after multiple decrements.

通过使用多重减法表，我们可以估算个体在经历多重减法后仍然存活的概率。

5.The actuary used a multiple decrement table to analyze the different causes of policyholder termination.

精算师使用多重减法表来分析保单持有人终止的不同原因。

作文

In the world of actuarial science and life insurance, understanding various tools and methodologies is crucial for accurate risk assessment and premium calculation. One such tool that plays a significant role is the multiple decrement table. A multiple decrement table is a statistical table used to analyze the effects of multiple causes of decrement on a population over time. It provides a comprehensive view of how different factors can lead to the termination of an individual's life insurance policy or annuity contract. This table is particularly useful when actuaries need to consider various reasons for decrement, such as death, withdrawal, and disability, all at once.The construction of a multiple decrement table involves gathering data on the rates at which individuals experience these different decrements. For instance, in a life insurance context, an actuary may collect data on the mortality rates of policyholders, the rates of policy lapses, and the incidence of disabilities. By analyzing this data, actuaries can estimate the likelihood of a policyholder experiencing any of these events, which helps in determining appropriate premiums and reserves.One of the key advantages of using a multiple decrement table is its ability to provide a more nuanced understanding of risk. Traditional models often focus on a single cause of decrement, which can lead to oversimplified conclusions. However, the multiple decrement table allows actuaries to account for the interaction between different causes. For example, if a policyholder is at risk of both dying and lapsing their policy, the table can help determine how these risks interact and affect overall policy performance.Moreover, the multiple decrement table can be beneficial for long-term financial planning. Insurers can use the insights gained from this table to set aside adequate reserves for future claims, ensuring they remain solvent while meeting their obligations to policyholders. This is especially important in a competitive market where insurers must balance profitability with customer satisfaction.Another important aspect of the multiple decrement table is its application in pension plans and retirement funding. Pension actuaries often face similar challenges when estimating the longevity of plan participants and the potential for early withdrawals or disability claims. By incorporating a multiple decrement table, pension funds can better predict their cash flow needs and ensure they have sufficient assets to cover future liabilities.In conclusion, the multiple decrement table is a vital tool in actuarial science, providing a framework for analyzing the impact of various decrement causes on populations over time. Its ability to integrate multiple risks offers a clearer picture of the financial implications for insurance companies and pension plans. As the industry continues to evolve, the importance of accurate data analysis and risk assessment will only grow, making the multiple decrement table an indispensable resource for actuaries everywhere.

在精算科学和人寿保险的世界中，理解各种工具和方法论对于准确的风险评估和保费计算至关重要。其中一个在这一过程中发挥重要作用的工具是多重减退表。多重减退表是一种统计表，用于分析多种减退原因对人口随时间变化的影响。它提供了一个全面的视角，展示不同因素如何导致个人的人寿保险政策或年金合同的终止。当精算师需要同时考虑死亡、退保和残疾等多种减退原因时，这张表格尤其有用。构建多重减退表涉及收集有关个体经历这些不同减退的速率的数据。例如，在人寿保险的背景下，精算师可能会收集保单持有人的死亡率、保单失效率和残疾发生率的数据。通过分析这些数据，精算师可以估计保单持有人经历这些事件的可能性，这有助于确定适当的保费和准备金。使用多重减退表的一个关键优势是能够提供更细致的风险理解。传统模型通常只关注单一减退原因，这可能导致过于简化的结论。然而，多重减退表允许精算师考虑不同原因之间的相互作用。例如，如果保单持有人面临死亡和退保的风险，这张表可以帮助确定这些风险如何相互作用并影响整体保单表现。此外，多重减退表对于长期财务规划也非常有益。保险公司可以利用从该表中获得的见解，为未来的索赔准备足够的准备金，确保在满足对保单持有人的义务时保持偿付能力。这在竞争激烈的市场中尤为重要，因为保险公司必须在盈利能力与客户满意度之间找到平衡。多重减退表的另一个重要方面是其在养老金计划和退休资金中的应用。养老金精算师在估算计划参与者的寿命以及提前提款或残疾索赔的潜力时通常面临类似的挑战。通过结合多重减退表，养老金基金可以更好地预测其现金流需求，确保他们有足够的资产来覆盖未来的负债。总之，多重减退表是精算科学中一个重要的工具，为分析不同减退原因对人口随时间变化的影响提供了框架。它整合多种风险的能力为保险公司和养老金计划的财务影响提供了更清晰的图景。随着行业的不断发展，准确的数据分析和风险评估的重要性只会增加，使得多重减退表成为每位精算师不可或缺的资源。