attained-age-normal method

简明释义

实际年龄标准法

英英释义

例句

1.When assessing retirement benefits, the attained-age-normal method provides a fair evaluation of an employee's contributions over time.

在评估退休福利时，已达年龄标准法提供了对员工贡献的公平评估。

2.The insurance company uses the attained-age-normal method to calculate premiums based on the current age of the policyholder.

保险公司使用已达年龄标准法根据投保人的当前年龄计算保费。

3.Using the attained-age-normal method, we can better predict future liabilities for older policyholders.

使用已达年龄标准法，我们可以更好地预测老年投保人的未来负债。

4.The attained-age-normal method is commonly applied in actuarial science to ensure equitable treatment of insured individuals.

在精算科学中，已达年龄标准法通常被应用于确保对投保人公平对待。

5.By implementing the attained-age-normal method, the organization can adjust its funding strategies for pension plans.

通过实施已达年龄标准法，组织可以调整其养老金计划的资金策略。

作文

The concept of the attained-age-normal method is essential in understanding how certain calculations are made in actuarial science, particularly when it comes to insurance and pension plans. This method takes into account the age that an individual has reached at the time of evaluation, rather than their original entry age into a plan. It is a critical tool used by actuaries to assess the value of benefits and premiums based on the current age of the insured party. To illustrate the significance of the attained-age-normal method, consider a scenario involving life insurance. When a person purchases a life insurance policy at a young age, their premiums are typically lower due to their youth and perceived lower risk of mortality. However, as the individual ages, the risk associated with insuring them increases. The attained-age-normal method allows actuaries to adjust the premiums accordingly, reflecting the actual risk based on the individual's current age. This ensures that the insurance company remains financially viable while providing fair coverage to the policyholder.Moreover, the attained-age-normal method is not limited to life insurance; it also plays a significant role in pension planning. For instance, when calculating pension benefits, it is crucial to consider the age of the employee at the time they retire. A person who retires at 65 will have different benefit calculations compared to someone who retires at 55, even if they started contributing to the pension plan at the same age. By applying the attained-age-normal method, actuaries can create a more equitable system that reflects the contributions and risks associated with each individual's retirement age.In addition to its practical applications, the attained-age-normal method also highlights the importance of fairness and equity in financial planning. It recognizes that individuals do not age uniformly and that their circumstances may change over time. This method allows for adjustments that can accommodate these changes, ensuring that everyone receives benefits that are proportional to their current situation.However, there are challenges associated with implementing the attained-age-normal method. One of the main difficulties is the need for accurate data. Actuaries must rely on comprehensive statistical information to make informed decisions about premium rates and benefit calculations. If the data is flawed or incomplete, it can lead to miscalculations that could negatively impact both the insurance provider and the policyholders.In conclusion, the attained-age-normal method is a vital component of modern actuarial practices. It provides a framework for adjusting calculations based on the current age of individuals, ensuring that insurance policies and pension plans remain fair and sustainable. As our society continues to evolve and people live longer, the importance of methods like the attained-age-normal method will only increase, making it essential for actuaries to stay informed and adept in their application. Understanding and mastering this method is crucial for anyone involved in the fields of insurance and financial planning, as it directly impacts the lives of individuals and the stability of financial institutions.

“attained-age-normal method”的概念在理解精算科学中某些计算方式时至关重要，尤其是在保险和养老金计划方面。这种方法考虑到个人在评估时所达到的年龄，而不是他们最初进入计划的年龄。它是精算师用来评估基于被保险人当前年龄的福利和保费价值的重要工具。为了说明attained-age-normal method的重要性，考虑一个涉及人寿保险的场景。当一个人以年轻的年龄购买人寿保险时，由于他们的年轻和被认为的较低死亡风险，他们的保费通常较低。然而，随着个体的老龄化，与承保他们相关的风险增加。attained-age-normal method使精算师能够相应地调整保费，反映出基于个体当前年龄的实际风险。这确保了保险公司保持财务可行性，同时为投保人提供公平的保障。此外，attained-age-normal method不仅限于人寿保险；它在养老金规划中也发挥着重要作用。例如，在计算养老金福利时，考虑员工退休时的年龄至关重要。一个在65岁退休的人与一个在55岁退休的人，即使他们开始为养老金计划缴纳的年龄相同，其福利计算也会有所不同。通过应用attained-age-normal method，精算师可以创建一个更公平的系统，反映每个个体退休年龄的贡献和风险。除了其实际应用外，attained-age-normal method还突显了财务规划中公平与公正的重要性。它认识到个体的老化并非均匀发生，他们的情况可能会随时间变化。这种方法允许进行调整，以适应这些变化，从而确保每个人都能获得与其当前情况成比例的福利。然而，实施attained-age-normal method也面临挑战。主要困难之一是对准确数据的需求。精算师必须依赖全面的统计信息来对保费率和福利计算做出明智的决策。如果数据存在缺陷或不完整，可能导致错误计算，从而对保险提供者和投保人产生负面影响。总之，attained-age-normal method是现代精算实践的重要组成部分。它提供了一个框架，根据个人的当前年龄调整计算，确保保险政策和养老金计划保持公平和可持续。随着我们的社会不断发展，人们的寿命延长，像attained-age-normal method这样的计算方法的重要性只会增加，使得精算师在应用上保持知情和熟练变得至关重要。理解和掌握这一方法对于任何参与保险和财务规划领域的人来说都是至关重要的，因为它直接影响到个人的生活和金融机构的稳定性。