The era of the meager profit will coming, under the efforts of the life insurance industries and the insurance department in the Ministry of Finance, the life insurance market is selling nonparticipating policy as the main fact at present, nonparticipating policy emphasizes three advantages : (1) The insurance premium is Cheap. (2) The interest rate depression best choice. (3) The short-term endowment insurance for the tendency of provide for the aged. Have already quite well received by life insurance market and consumer's welcome However, this research is considered, between consumers and life insurance industry, existing has premium and the safeguard seesaw battle , the equalization point among them, how precisely to calculate with affectedly bashful? It is in order to originally research and propose the following three research direction: 1. Depend on the present situation condition, estimate the rational premium. 2. We simulated different interest rates and mortality rate to make a profit of an Insurance policy. 3. We simulated the strategy of insurance policy that does not draw bonus, carried on the impact analysis. This research, through regarding as calculating precisely that the result and market selling price are approximate, it is reliable that the calculation models put forward of experts and scholars are correct. The profit-making respect of the insurance policy is in different interest rate and death rate , the family property person makes a profit to emerge excess. Assault and go up and down and expand the premium the amount of money dropped to aggravate alternately, nonparticipating policy will be tested seriously. We expect this study will be referenced by operators, even consumers; they would acquire more scientific and mathematical referential value.
