Three life insurance model research--Family unite the insurance model

摘要

First, the family condition in the future is analyzed. In analyzing about muliti-life function, introducing the situation of three element, especially while considering the death order, consider a person dies before other two people (state of jointly surviving). Second, two kinds of association situations and two models are considered here. The first place is the couple and only children; the second place is couple own. At the last, the actuarial present value on the life insurance and annuity are calculated.