mortality table

简明释义

死亡表，死亡率表 ［保险］

英英释义

例句

1.Understanding the mortality table can help individuals plan for retirement savings.

了解死亡率表可以帮助个人规划退休储蓄。

2.Using a mortality table, the financial advisor can suggest suitable insurance options.

财务顾问使用死亡率表可以建议合适的保险选项。

3.Actuaries rely on the mortality table to assess risks and set appropriate policy rates.

精算师依赖于死亡率表来评估风险并设定适当的保单费率。

4.The insurance company uses a mortality table to determine premiums based on life expectancy.

保险公司使用死亡率表来根据预期寿命确定保费。

5.The mortality table indicates that women generally have a longer life expectancy than men.

该死亡率表显示女性的预期寿命通常比男性长。

作文

A mortality table is a statistical table that provides important information about the death rates of a population. It is commonly used in fields such as insurance, public health, and demography. Understanding how to read and interpret a mortality table is crucial for various stakeholders, including actuaries, healthcare planners, and policymakers. By analyzing the data presented in a mortality table, these professionals can make informed decisions regarding risk assessment, resource allocation, and health interventions.Typically, a mortality table lists the age groups of a population along with the corresponding number of deaths that occur within each group. This data is often expressed as a rate, which allows for comparisons across different populations or time periods. For instance, a mortality table may show that the mortality rate for infants is significantly higher than that for older adults. This information can help identify vulnerable age groups and inform targeted health initiatives.In the insurance industry, mortality tables play a vital role in determining life insurance premiums. Actuaries use these tables to estimate the likelihood of death for individuals at various ages. By assessing this risk, they can set appropriate premium rates that reflect the expected payout for policies. Without accurate mortality tables, insurance companies would struggle to maintain financial stability and offer competitive pricing.Moreover, mortality tables are essential tools for public health officials. They provide insights into the overall health of a population by revealing trends in mortality rates over time. For example, if a mortality table indicates an increase in deaths due to a specific disease, health authorities can investigate the underlying causes and implement preventive measures. This proactive approach can lead to improved health outcomes and reduced mortality rates in the long run.Another important aspect of mortality tables is their role in demographic studies. Researchers often utilize these tables to analyze population dynamics, such as aging trends and fertility rates. By examining the relationship between mortality and other demographic factors, researchers can gain a deeper understanding of societal changes and their implications for future planning.In conclusion, a mortality table is a powerful tool that serves multiple purposes across various fields. Its ability to convey critical information about death rates enables actuaries, public health officials, and researchers to make informed decisions that can ultimately improve the quality of life for individuals and communities. As we continue to advance in data analysis and statistical modeling, the importance of mortality tables will only grow, highlighting the need for ongoing education and understanding of this essential resource.Overall, mastering the concept of a mortality table is not just beneficial for professionals in specific fields but is also valuable for anyone interested in understanding the complexities of human health and longevity. The insights derived from these tables can inform personal decisions, public policy, and health strategies, making them a cornerstone of modern statistical analysis.

“死亡率表”是提供有关人口死亡率的重要统计表。它通常用于保险、公共卫生和人口统计等领域。理解如何阅读和解释“死亡率表”对各种利益相关者至关重要，包括精算师、医疗保健规划者和政策制定者。通过分析“死亡率表”中呈现的数据，这些专业人士可以就风险评估、资源分配和健康干预措施做出明智的决策。通常，“死亡率表”列出了人口的年龄组以及每个组中发生的相应死亡人数。这些数据通常以比率的形式表示，允许在不同的人口或时间段之间进行比较。例如，“死亡率表”可能显示婴儿的死亡率显著高于老年人的死亡率。这些信息可以帮助识别脆弱的年龄组，并告知针对性的健康倡议。在保险行业中，“死亡率表”在确定人寿保险保费方面发挥着至关重要的作用。精算师利用这些表格来估算不同年龄个体的死亡可能性。通过评估这一风险，他们可以设定适当的保费率，以反映预期的保单支付。如果没有准确的“死亡率表”，保险公司将难以维持财务稳定并提供有竞争力的定价。此外，“死亡率表”是公共卫生官员的重要工具。它们通过揭示死亡率随时间变化的趋势，提供了对人口整体健康状况的洞察。例如，如果一份“死亡率表”显示由于特定疾病导致的死亡人数增加，卫生当局可以调查潜在原因并实施预防措施。这种主动的方法可以导致改善健康结果并在长期内降低死亡率。“死亡率表”的另一个重要方面是它们在人口研究中的作用。研究人员通常利用这些表格来分析人口动态，例如老龄化趋势和生育率。通过检查死亡率与其他人口因素之间的关系，研究人员可以深入了解社会变化及其对未来规划的影响。总之，“死亡率表”是一个强大的工具，在各个领域服务于多个目的。它传达有关死亡率的关键信息的能力，使精算师、公共卫生官员和研究人员能够做出明智的决策，最终改善个人和社区的生活质量。随着我们在数据分析和统计建模方面的不断进步，“死亡率表”的重要性只会增加，这突显了对这一基本资源的持续教育和理解的需求。总体而言，掌握“死亡率表”的概念不仅对特定领域的专业人士有益，而且对任何希望理解人类健康和长寿复杂性的人来说也是有价值的。从这些表格中得出的见解可以为个人决策、公共政策和健康策略提供信息，使其成为现代统计分析的基石。