中国人身保险业经验生命表(2010-2013)
A3人身保险产品07年春季考试题及答案
中国人身保险从业人员资格考试中国寿险管理师中级资格中国寿险理财规划师中级资格课程A3 《人身保险产品》NO. 070300101A 卷考生准考证号：_________________________________考生签名处：_________________________________中国人身保险从业人员资格考试中国寿险管理师中级资格课程中国寿险理财规划师中级资格课程A3《人身保险产品》（NO．070300101）A卷本试卷共100题，每题有且仅有一个正确选项，答对得1分，漏选、多选或错选得0分，共计100分。
1．对于两个仅存在债权债务关系的自然人，债权人欲为债务人购买一份身故保险，以下哪个险种的保险责任最适合？（）A．平准型身故保险金B．递增型身故保险金C．递减型身故保险金 D．变额身故保险金（答案：C．递减型身故保险金；P54，14行）2．下列不属于寿险公司内部环境的是（）。
A．客户服务能力B．系统支持程度C．市场环境D．资本实力和风险管控能力（答案：C．市场环境；P65，第5行）3．在我国，居民个人购买人身保险，（）可以免缴个人所得税。
A．所缴保费 B．年金给付C．满期给付D．补偿性赔款（答案：D．补偿性赔款；P49，13行）4．按照中国保监会《个人万能保险精算规定》，在万能保险合同有效期内，账户中的资产（）。
A．不得小于负债B．可以小于负债C．必须大于现金价值D．必须等于负债（答案：A．不得小于负债；P220，倒17行）5．由于（），人身保险产品通常采取标准化的保险金额。
A．人的生命和健康价值无法准确估计 B．同样的人身损害会有一致的感觉C．人的生命价值可以进行标准化的计算D．保险公司的管理日趋规范化（答案：A．人的生命和健康价值无法准确估计；P13，第12行）6．通常，同时影响人的寿命风险与身体风险的因素有（）。
①性别②年龄③嗜好④职业⑤道德Ａ．②③④⑤Ｂ．①②③Ｃ．①④⑤Ｄ．①③④（答案：Ｂ．①②③；P2，第10行）7．在美国，保单持有人将保单现金价值有条件或无条件方式转让给他人所使用的条款是（）。
人身保险业经验生命表(2010-2013)
年龄死亡率生存人数死亡人数平均余命(x)q xl xd xL xT xe x o00.0008671000000.00867.00999566.5076420141.8776.4210.000615999133.00614.47998825.7775420575.3775.4920.000445998518.53444.34998296.3674421749.6074.5330.000339998074.19338.35997905.027*******.2473.5740.00028997735.85279.37997596.1672425548.2272.5950.000251997456.48250.36997331.3071427952.0671.6160.000237997206.12236.34997087.9570430620.7670.6370.000233996969.78232.29996853.6369433532.8169.6480.000238996737.49237.22996618.8768436679.1868.6690.00025996500.26249.13996375.7067440060.3067.68100.000269996251.14267.99996117.1466443684.6066.69110.000293995983.15291.82995837.2365447567.4665.71120.000319995691.32317.63995532.5164451730.2364.73130.000347995373.70345.39995201.0063456197.7263.75140.000375995028.30373.14994841.7362460996.7262.77150.000402994655.17399.85994455.2461466154.9861.80160.000427994255.32424.55994043.0460471699.7460.82170.000449993830.77446.23993607.6559477656.7059.85180.000469993384.54465.90993151.5958484049.0558.87190.000489992918.64485.54992675.8757490897.4657.90200.000508992433.10504.16992181.0356498221.5956.93210.000527991928.95522.75991667.5755506040.5655.96220.000547991406.20542.30991135.0554514372.9854.99230.000568990863.90562.81990582.5053523237.9354.02240.000591990301.09585.27990008.4652532655.4453.05250.000615989715.82608.68989411.4951542646.9852.08260.000644989107.15636.99988788.6650553235.4951.11270.000675988470.16667.22988136.5549564446.8450.14280.000711987802.95702.33987451.7848576310.2849.18290.000751987100.62741.31986729.9647588858.5048.21300.000797986359.31786.13985966.2446602128.5447.25310.000847985573.18834.78985155.7945616162.3046.28320.000903984738.40889.22984293.7944631006.5145.322010-2013非养老类业务一表男CL1生存人年数中国人身保险业经验生命表330.000966983849.18950.40983373.9843646712.7244.36 340.001035982898.781017.30982390.1342663338.7443.41 350.001111981881.481090.87981336.0441680948.6242.45 360.001196980790.611173.03980204.1040699612.5741.50 370.00129979617.581263.71978985.7339719408.4840.55 380.001395978353.881364.80977671.4738740422.7539.60 390.001515976989.071480.14976249.0037762751.2738.65 400.001651975508.931610.57974703.6536786502.2737.71 410.001804973898.371756.91973019.9135811798.6136.77 420.001978972141.461922.90971180.0134838778.7035.84 430.002173970218.562108.28969164.4233867598.6934.91 440.002393968110.282316.69966951.9332898434.2733.98 450.002639965793.592548.73964519.2231931482.3433.06 460.002913963244.862805.93961841.8930966963.1232.15 470.003213960438.933085.89958895.9830005121.2331.24 480.003538957353.043387.12955659.4829046225.2430.34 490.003884953965.923705.20952113.3228090565.7729.45 500.004249950260.724037.66948241.8927138452.4528.56 510.004633946223.064383.85944031.1326190210.5627.68 520.005032941839.214739.33939469.5425246179.4226.81 530.005445937099.875102.51934548.6224306709.8825.94 540.005869931997.365469.89929262.4223372161.2625.08 550.006302926527.475838.98923607.9822442898.8524.22 560.006747920688.506211.89917582.5521519290.8623.37 570.007227914476.616608.92911172.1520601708.3122.53 580.00777907867.697054.13904340.6219690536.1621.69 590.008403900813.567569.54897028.7918786195.5420.85 600.009161893244.028183.01889152.5217889166.7520.03 610.010*********.018908.14880606.9417000014.2319.21 620.011129876152.879750.71871277.5216119407.2918.40 630.01236866402.1710708.73861047.8015248129.7717.60 640.013771855693.4411783.75849801.5614387081.9716.81 650.015379843909.6812978.49837420.4413537280.4116.04 660.017212830931.1914301.99823780.2012699859.9715.28 670.019304816629.2115764.21808747.1011876079.7714.54 680.021*********.0017371.56792179.2211067332.6713.82 690.024*********.4319125.86773930.5110275153.4513.11 700.027*********.5821016.29753859.439501222.9512.43 710.030965743351.2923017.87731842.358747363.5111.77 720.034832720333.4225090.65707788.098015521.1611.13 730.0391********.7627187.47681649.037307733.0710.51 740.0437********.3029258.15653426.226626084.049.92750.048921638797.1531250.60623171.855972657.829.35 760.054506607546.5533114.93590989.085349485.978.81 770.060586574431.6234802.51557030.364758496.898.28 780.067202539629.1036264.16521497.034201466.537.79 790.0744503364.9537450.35484639.773679969.507.31 800.08222465914.6038307.50446760.853195329.73 6.86 810.0907427607.1038783.96408215.122748568.88 6.43 820.0998********.1338830.99369407.642340353.77 6.02 830.109754349992.1538413.04330785.631970946.12 5.63 840.120388311579.1137510.39292823.921640160.50 5.26 850.131817274068.7236126.92256005.261347336.58 4.92 860.144105237941.8134288.60220797.501091331.32 4.59 870.157334203653.2032041.57187632.42870533.82 4.27 880.171609171611.6329450.10156886.58682901.40 3.98 890.187046142161.5326590.75128866.16526014.82 3.70 900.203765115570.7823549.28103796.14397148.66 3.44 910.22187392021.5020417.0981812.96293352.52 3.19 920.24145171604.4217288.9662959.94211539.56 2.95 930.26253954315.4614259.9347185.50148579.63 2.74 940.28512940055.5311420.9934345.04101394.13 2.53 950.3091628634.548852.6524208.2167049.10 2.34 960.33452919781.886617.6116473.0842840.88 2.17 970.36110113164.274753.6310787.4526367.81 2.00 980.3887278410.643269.446775.9215580.35 1.85 990.4172575141.202145.204068.608804.43 1.71 1000.4465442996.001337.842327.074735.84 1.58 1010.4764471658.15790.021263.142408.76 1.45 1020.50683868.13439.99648.131145.62 1.32 1030.537558428.14230.15313.06497.49 1.16 1040.568497197.99112.56141.71184.430.93 105185.4385.4342.7242.720.50年龄死亡率生存人数死亡人数平均余命(x)q xl xd xL xT xe x o00.000621000000.00620.00999690.0081707122.9181.7110.000456999380.00455.72999152.1480707432.9180.7620.000337998924.28336.64998755.9679708280.7779.7930.000256998587.65255.64998459.8378709524.8178.8240.000203998332.01202.66998230.6877711064.9877.8450.00017998129.35169.68998044.5076712834.3176.8660.000149997959.66148.70997885.3275714789.8075.8770.000137997810.97136.70997742.6274716904.4974.8880.000133997674.27132.69997607.9273719161.8773.8990.000136997541.58135.67997473.7472721553.9572.90100.000145997405.91144.62997333.6071724080.2071.91110.000157997261.29156.57997183.0070726746.6070.92120.000172997104.72171.50997018.9769729563.6069.93130.000189996933.22188.42996839.0068732544.6468.94140.000206996744.79205.33996642.1367735705.6367.96150.000221996539.47220.24996429.3566739063.5066.97160.000234996319.23233.14996202.6665742634.1565.99170.000245996086.09244.04995964.0764746431.4965.00180.000255995842.05253.94995715.0863750467.4264.02190.000262995588.11260.84995457.6962754752.3463.03200.000269995327.27267.74995193.3961759294.6562.05210.000274995059.52272.65994923.2060764101.2661.07220.000279994786.88277.55994648.1059769178.0660.08230.000284994509.33282.44994368.1158774529.9559.10240.000289994226.89287.33994083.2357780161.8458.12250.000294993939.56292.22993793.4556786078.6257.13260.0003993647.34298.09993498.2955792285.1756.15270.000307993349.25304.96993196.7754798786.8755.17280.000316993044.29313.80992887.3953805590.1154.18290.000327992730.49324.62992568.1852812702.7253.20300.00034992405.86337.42992237.1551820134.5452.22310.000356992068.45353.18991891.8650827897.3951.23320.000374991715.27370.90991529.8249836005.5350.25330.000397991344.37393.56991147.5948844475.7149.27340.000423990950.80419.17990741.2247853328.1248.29350.000454990531.63449.70990306.7846862586.9147.31360.000489990081.93484.15989839.8645872280.1346.33生存人年数非养老类业务一表女CL2370.00053989597.78524.49989335.5444882440.2745.35 380.000577989073.29570.70988787.9543893104.7344.38 390.000631988502.60623.75988190.7342904316.7943.40 400.000692987878.85683.61987537.0541916126.0642.43 410.000762987195.24752.24986819.1240928589.0141.46 420.000841986443.00829.60986028.2039941769.8940.49 430.000929985613.40915.63985155.5838955741.6939.52 440.001028984697.771012.27984191.6337970586.1138.56 450.001137983685.501118.45983126.2736986394.4837.60 460.001259982567.051237.05981948.5236003268.2136.64 470.001392981329.991366.01980646.9935021319.6935.69 480.001537979963.981506.20979210.8834040672.7034.74 490.001692978457.781655.55977630.0033061461.8233.79 500.001859976802.231815.88975894.2932083831.8232.85 510.002037974986.351986.05973993.3331107937.5331.91 520.002226973000.302165.90971917.3530133944.2030.97 530.002424970834.412353.30969657.7529162026.8530.04 540.002634968481.102550.98967205.6128192369.1029.11 550.002853965930.122755.80964552.2227225163.4828.19 560.003085963174.332971.39961688.6326260611.2627.26 570.003342960202.933209.00958598.4325298922.6326.35 580.003638956993.933481.54955253.1624340324.1925.43 590.00399953512.393804.51951610.1323385071.0324.53 600.004414949707.884192.01947611.8722433460.9023.62 610.004923945515.874654.77943188.4821485849.0322.72 620.005529940861.095202.02938260.0820542660.5521.83 630.006244935659.075842.26932737.9419604400.4720.95 640.007078929816.816581.24926526.1918671662.5320.08 650.008045923235.577427.43919521.8617745136.3419.22 660.009165915808.148393.38911611.4516825614.4818.37 670.010********.769491.56902668.9815914003.0317.54 680.011955897923.2010734.67892555.8615011334.0516.72 690.013674887188.5312131.42881122.8214118778.1915.91 700.015643875057.1113688.52868212.8513237655.3615.13 710.017887861368.5915407.30853664.9412369442.5114.36 720.020*********.2917284.68837318.9511515777.5713.61 730.023*********.6119310.65819021.2910678458.6112.89 740.026528809365.9621470.86798630.539859437.3212.18 750.030137787895.1023744.79776022.709060806.7911.50 760.034165764150.3126107.20751096.718284784.0910.84 770.038653738043.1128527.58723779.327533687.3810.21 780.0436********.5330968.93694031.066809908.069.60790.049205678546.6033387.89661852.666115876.999.01 800.0553********.7135732.12627292.655454024.348.45 810.062254609426.6037939.24590456.984826731.687.92 820.06988571487.3539935.54551519.594236274.717.41 830.07832531551.8241631.14510736.253684755.12 6.93 840.0876********.6842922.44468459.463174018.87 6.48 850.0977********.2443695.87425150.312705559.41 6.05 860.108704403302.3743840.58381382.082280409.11 5.65 870.120371359461.7943268.78337827.401899027.02 5.28 880.132638316193.0241939.21295223.411561199.62 4.94 890.145395274253.8139875.13254316.241265976.21 4.62 900.158572234378.6737165.90215795.731011659.97 4.32 910.172172197212.7833954.52180235.52795864.24 4.04 920.186294163258.2630414.03148051.24615628.72 3.77 930.201129132844.2326718.83119484.81467577.48 3.52 940.21694106125.4023022.8494613.98348092.66 3.28 950.23402683102.5619448.1673378.48253478.69 3.05 960.25267363654.4016083.7555612.52180100.21 2.83 970.27311247570.6512992.1241074.59124487.69 2.62 980.29547834578.5310217.2029469.9483413.09 2.41 990.31979424361.347790.6120466.0353943.16 2.21 1000.34597516570.735733.0613704.2033477.13 2.02 1010.37385610837.674051.738811.8119772.93 1.82 1020.4032216785.942736.235417.8310961.12 1.62 1030.4338334049.711756.903171.265543.29 1.37 1040.4654472292.811067.181759.222372.03 1.03 10511225.631225.63612.81612.810.50年龄死亡率生存人数死亡人数平均余命(x)q xl xd xL xT xe x o00.000621000000.00620.00999690.0080351120.9380.3510.000465999380.00464.71999147.6479351430.9379.4020.000353998915.29352.62998738.9878352283.2978.4430.000278998562.67277.60998423.8777353544.3177.4640.000229998285.07228.61998170.7776355120.4476.4950.0002998056.46199.61997956.6675356949.6775.5060.000182997856.85181.61997766.0574358993.0174.5270.000172997675.24171.60997589.4473361226.9773.5380.000171997503.64170.57997418.3672363637.5372.5490.000177997333.07176.53997244.8171366219.1771.56100.000187997156.54186.47997063.3170368974.3670.57110.000202996970.07201.39996869.3869371911.0669.58120.00022996768.68219.29996659.0468375041.6868.60130.00024996549.40239.17996429.8167378382.6467.61140.000261996310.22260.04996180.2166381952.8366.63150.00028996050.19278.89995910.7465385772.6265.65160.000298995771.29296.74995622.9264389861.8864.66170.000315995474.55313.57995317.7763394238.9663.68180.000331995160.98329.40994996.2862398921.2062.70190.000346994831.58344.21994659.4761403924.9261.72200.000361994487.37359.01994307.8660409265.4460.74210.000376994128.36373.79993941.4659414957.5859.77220.000392993754.57389.55993559.7958421016.1258.79230.000409993365.01406.29993161.8757427456.3357.81240.000428992958.73424.99992746.2456434294.4556.83250.000448992533.74444.66992311.4155441548.2255.86260.000471992089.09467.27991855.4554449236.8054.88270.000497991621.81492.84991375.3953457381.3553.91280.000526991128.98521.33990868.3152466005.9652.94290.000558990607.64552.76990331.2651475137.6551.96300.000595990054.88589.08989760.3450484806.3950.99310.000635989465.80628.31989151.6549495046.0450.02320.000681988837.49673.40988500.7948505894.4049.05330.000732988164.09723.34987802.4247517393.6148.09340.000788987440.76778.10987051.7046529591.1847.12350.00085986662.65838.66986243.3245542539.4846.16360.000919985823.99905.97985371.0044556296.1645.20生存人年数非养老类业务二表男CL3370.000995984918.02979.99984428.024*******.1544.24 380.001078983938.021060.69983407.6842586497.1343.28 390.00117982877.341149.97982302.3641603089.4542.33 400.00127981727.371246.79981103.9840620787.1041.38 410.00138980480.581353.06979804.0539639683.1240.43 420.0015979127.521468.69978393.1738659879.0839.48 430.001631977658.821594.56976861.5437681485.9138.54 440.001774976064.261731.54975198.4936704624.3637.60 450.001929974332.721879.49973392.9835729425.8736.67 460.002096972453.242038.26971434.1134756032.8935.74 470.002277970414.972209.63969310.1633784598.7834.81 480.002472968205.342393.40967008.6432815288.6333.89 490.002682965811.942590.31964516.7831848279.9932.98 500.002908963221.632801.05961821.1030883763.2132.06 510.00315960420.583025.32958907.9229921942.1031.16 520.003409957395.263263.76955763.3728963034.1930.25 530.003686954131.493516.93952373.0328007270.8129.35 540.003982950614.573785.35948721.8927054897.7828.46 550.004297946829.224068.53944794.9626106175.8927.57 560.004636942760.694370.64940575.3725161380.9326.69 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770.028*********.5222088.40773289.328882609.5611.33 780.032978762245.1225137.32749676.468109320.2510.64 790.038437737107.8028332.21722941.697359643.799.98800.044492708775.5931534.84693008.166636702.109.36 810.0510********.7434597.52659941.985943693.938.78 820.058173642643.2237384.48623950.985283751.958.22 830.065722605258.7439778.81585369.334659800.977.70 840.0737********.9241692.27544633.794074431.647.21 850.082223523787.6543067.39502253.963529797.85 6.74 860.0912********.2643860.44458790.043027543.89 6.30 870.1009436859.8344079.16414820.252568753.85 5.88 880.111321392780.6743724.74370918.302153933.60 5.48 890.122608349055.9342797.05327657.411783015.30 5.11 900.134********.8841305.14285606.311455357.89 4.75 910.148212264953.7539269.32245319.081169751.58 4.41 920.162742225684.4236728.33207320.26924432.49 4.10 930.178566188956.0933741.13172085.52717112.24 3.80 940.195793155214.9630390.00140019.95545026.72 3.51 950.214499124824.9526774.83111437.54405006.76 3.24 960.2346598050.1323007.4686546.39293569.22 2.99 970.2561875042.6619224.4365430.45207022.83 2.76 980.27902555818.2315574.6848030.89141592.38 2.54 990.3031240243.5512198.6334144.2493561.49 2.32 1000.32840128044.939209.9823439.9459417.25 2.12 1010.35480318834.946682.6915493.6035977.31 1.91 1020.38226112152.254645.339829.5820483.72 1.69 1030.410717506.923083.175965.3410654.13 1.42 1040.4400864423.751946.833450.344688.80 1.06 10512476.922476.921238.461238.460.50年龄死亡率生存人数死亡人数平均余命(x)q xl xd xL xT xe x o00.0004531000000.00453.00999773.5088131288.7988.1310.000289999547.00288.87999402.5787131515.2987.1720.000184999258.13183.86999166.2086132112.7386.2030.000124999074.27123.89999012.3285132946.5385.2140.000095998950.3894.90998902.9384133934.2084.2250.000084998855.4883.90998813.5383135031.2783.2360.000078998771.5877.90998732.6382136217.7482.2470.000074998693.6773.90998656.7281137485.1281.2480.000072998619.7771.90998583.8280138828.3980.2590.000072998547.8771.90998511.9279140244.5779.26100.000074998475.9773.89998439.0378141732.6578.26110.000077998402.0976.88998363.6577143293.6277.27120.00008998325.2179.87998285.2876144929.9776.27130.000085998245.3484.85998202.9275146644.6975.28140.00009998160.4989.83998115.5874148441.7874.29150.000095998070.6694.82998023.2573150326.2073.29160.0001997975.8499.80997925.9472152302.9572.30170.000105997876.04104.78997823.6671154377.0171.31180.00011997771.27109.75997716.3970156553.3570.31190.000115997661.51114.73997604.1569158836.9669.32200.00012997546.78119.71997486.9368161232.8168.33210.000125997427.08124.68997364.7467163745.8867.34220.000129997302.40128.65997238.0766166381.1566.35230.000134997173.75133.62997106.9465169143.0765.35240.000139997040.12138.59996970.8364172036.1464.36250.000144996901.54143.55996829.7663175065.3163.37260.000149996757.98148.52996683.7262178235.5562.38270.000154996609.47153.48996532.7361181551.8361.39280.00016996455.99159.43996376.2760185019.1060.40290.000167996296.55166.38996213.3659188642.8359.41300.000175996130.17174.32996043.0158192429.4658.42310.000186995955.85185.25995863.2357196386.4557.43320.000198995770.60197.16995672.025*******.2356.44330.000213995573.44212.06995467.4155204851.2155.45340.000231995361.38229.93995246.4254209383.8054.46350.000253995131.45251.77995005.5753214137.3853.47360.000277994879.69275.58994741.8952219131.8152.49370.000305994604.10303.35994452.4351224389.9151.50380.000337994300.75335.08994133.2150229937.4950.52390.000372993965.67369.76993780.7949235804.2749.53养老类业务表女CL6生存人年数。
保险精算原理与实务(第五版)课件-生存年金
1000 40 p20 0 (1 40 p20 ) 1000 40 p20
这笔给付在李先生20岁时的现值通过利率折现得到：
1000 40 p20 1.02540
根据附表中国人身保险业经验生命表（2010～2013）年养老类业务
表（男）的资料得，l20 =995 780，l60=943 460，可以计算得,
yx
设 (1 g) ' 1 ，即 j i g 上式成为，
1 j
1 g
x n 1
( APV )x b
( ' ) yx
yx
px
ba x:n
j
yx
（这是一个以利率j计算的给付额为b的确定年金的精算现值）
29
生存年金递推公式
可见，对(x)的终身生存年金的趸缴净保费，等于永续年 金与一系列逐年因死亡不能得到的将来年金部分之差。
解：
1 000+1 000 p30 1.021 1 000 2 p30 1.022 =1 000 k p30 1.02k k 0 代入相应的存活概率和利率，就可以计算出这一年金的精算现值。 8
期首付终身生存年金
一般地，对(x)的每年1单位元期首终身生存年金，其精算现
值 之以和，a如x 下表图示所，示它：是一系列保险期逐步延长的纯粹生存保险
17
连续生存年金给付现值
延期连续生存年金 延期定期连续生存年金
18
生存年金与寿险的关系
19
年付m次生存年金
背景：实践中年金常常是每半年、一季度或一个月支付一次， 由于生命表不直接提供非整数年龄的存活概率和死亡概率， 必须在一定的假设下近似计算。
对（x）的每年给付1元，一年给付m次的期首付终身生存年
寿险-分级分类-中级考试模拟测试(一)
寿险-分级分类-中级考试模拟测试（一）一、单选题（每题2分）您的姓名： [填空题] *_________________________________工号： [填空题] *_________________________________部门： [填空题] *_________________________________营服： [填空题] *_________________________________1、保单的毛保费是保险公司为维持保单有效而向保单所有人收取的保费，它等于（） [单选题] *A.净保费加上附加保费(正确答案)B.净保费减去附加保费C.附加保费减去净保费D.附加保费乘以净保费2.某公司推出一款健康险产品，该产品只对因疾病住院而发生的医疗费用提供保障，并列明了可以保障的10项住院医疗费用，设立了1000元的免赔额和90天的等待期，按累计比例计算保险金给付，该保险为（） [单选题] *A.失能收入损失保险B.护理保险C.定额给付型医疗保险D.费用补偿型医疗保险(正确答案)3、（）是以在金融机构对自然人进行贷款时，债务人的信用作为保险标的的信用保险，它所承保的是金融机构由于债务人的违约而导致的风险。
[单选题] *A.银行信用保险B.商业信用保险C.个人贷款信用保险(正确答案)D.买方信用保险4、（）是由保单持有和控制，人们可以通过购买保单而成为公司的所有人并可以从公司得到红利，利润由公司的所有人共享。
[单选题] *A.股份保险公司B.再保险公司C.相互保险公司(正确答案)D.财产保险公司5、（）是在被保险人依法应负损害赔偿责任时，由保险人承担其赔偿责任的保费。
[单选题] *A.财产保险B.责任保险(正确答案)C.第三者险D.意外险6、（）是在被保证人的行为不行为致使被保险人（权利人）遭受经济损失时，由保险人来承担经济赔偿责任的保险。
[单选题] *A.信用保险B.责任保险C.行为保险D.保证保险(正确答案)7、（）主要包括信息的收集和整理、风险的识别与分析、承保的抉择与实施等步骤。
寿险-分级分类-高级考试模拟测试(四)
寿险-分级分类-高级考试模拟测试（四）初中高考试，逢考必过！工号保卫战，百战百胜！您的部门： [单选题] *○光辉部○骉腾部○英杰部○锦鋕部○智慧部○新锐部○志炫部您的姓名： [填空题] *_________________________________一、单选题（每题2分）1、从国际上看，保险公司的主要组织形式（） [单选题] *A 劳合社B 股份有限公司和相互保险公司(正确答案)C 劳合社和股份有限公司D 国有保险公司和股份有限公司2、个人和家庭保险需求的影响因素不包括（） [单选题] *A 社会关系因素B 风险态度因素C 文化背景因素D 市场环境因素(正确答案)3、股份保险公司的权力机构为（），相互保险公司则是社员大会。
[单选题] *A 社员代表大会B 董事会C 股东大会(正确答案)D 理事会4、厘定人身意外伤害保险费率是的主要参考因数是（） [单选题] *A 年龄B 利率C 健康状况D 职业工种(正确答案)5、投资连结保险中承担投资风险是（） [单选题] *A 投保人(正确答案)B 保险公司C 投保人和保险公司双方D 代理人6、在设定风险管理目标时,重点强调( )之间的平衡 [单选题] *A 成本与收益B 损失与收益C 风险与损失D 风险与收益(正确答案)7、以下不属于意外伤害保险产品带来的支出的是（）。
[单选题] *A 再保险费用B 再保险理赔摊回(正确答案)C 预期的理赔金额D 退保金额及费用8、根据《保险法》规定，企业财产保险中，保险事故发生后，被保险人为防止或者减少保险标的损失所支付的必要的、合理的费用，由（）承担。
[单选题] *A 保险人(正确答案)B 被保险人C 保险人与被保险人共同D 被保险人补缴部分保费后，保险人承担9、根据我国《保险法》的规定，人身保险合同保险利益的确定方式是（）。
[单选题] *A 限制家庭成员关系范围并结合被保险人同意(正确答案)B 必须具有经济利益关系C 必须具有婚姻关系D 必须具有血缘关系10、保险法规定，责任保险的被保险人给第三者造成损害，被保险人未向第三者赔偿的，保险人（）向被保险人赔偿保证金 [单选题] *A 可以B 不得(正确答案)C 根据被保险人的请求D 自行决定是否11、保险企业社会责任是指保险企业立足于（），通过保险产品、服务以及其他非经济手段平衡、协调相关者利益，从而增进公共利益的行为。
第二章 人寿保险
自愿、企业个人共同缴费 完全积累制 截至2017年底，全国近8万户企业 建立了企业年金，参加职工人数达 到了2300多万人，积累基金近1.3 万亿元；职业年金正随着机关事业 单位养老保险制度改革逐步建立。
个人自愿缴费
2018年5月，个人税收 递延型养老保险正式在 上海、福建、厦门、苏 州工业园区启动试点。
14
第二节 新型人寿保险
变额人寿保险 投资连结保险
Investment-link Life Insurance
Universal Life Insurance
万能人寿保险
包含保险保障功能并至少在一个投资 账户拥有一定资产价值的人身保险产 品。 没有最低保证利率，风险由投保人承 担。 缴费灵活、保额可调整。 设置独立投资账户，有最低保证利 率。 结合了万能险保费灵活的特征和变额 人寿保险中投保人可选择账户投向的特 征。 保险公司将其实际经营成果优于定价 假设的盈余，按一定比例向保单持有人 进行分配的人寿保险产品。 红利来源：死差益、费差益、利差 益。 分配方式：现金分红、保额分红。
非养老类一表（男） 非养老类二表（女）
这里输入学校或者班级的名称
非养老类一表（女） 养老类表（男）
非养老类二表（男） 养老类表（女）
PPT设计：PPT设计教程网 登陆网址： 4
第一节 人寿保险概述
三、人寿保险的分类
按保险责任划分 死亡保险 保费或保额是否可以调整 传统寿险 新型寿险
变额寿险 万能寿险
生存保险
两全保险
万能变额寿险
分红保险
这里输入学校或者班级的名称
PPT设计：PPT设计教程网
登陆网址：
5
第一节 人寿保险概述
剩余边际对寿险产品利润分布的影响
O INSURANCE 025
理解为相邻两个评估时点的剩余边际差 额。由此可见，摊销的结果与保险公司 是否锁定初始剩余边际以及选取的摊销 因子直接相关。目前，保险公司采用锁 定法对剩余边际进行计量，即评估时点 的计量假设与保单签发时点的市场假设 和运营假设保持一致。
为更清晰地演示摊销过程，以常 数摊销因子为例，且不考虑保单失效和 折现，此时剩余边际摊销类似于会计中 固定资产折旧的平均年限法，即认为保 险人所需履行的保险责任随时间均匀减 少，因此剩余边际以线性方式逐年降 低。如果假设保单签发时点的初始剩余
20年，每年交费1万元，三款产品的保险 责任见表4 o
评估假设包括发生率、费用率、退保 率和投资收益率，发生率假设使用中国人 寿保险业经验生命表(2010-2013年) 和中国人身保险业重大疾病经验发生率表
保险公司税前利润来源于边际
释放、经验偏差和会计估计变更三部 分，其中边际释放包括风险边际的释 放和剩余边际的摊销。剩余边际的摊 销额构成税前利润的绝大部分。
图1是中国平安保险集团寿险及 健康险业务20"年〜2018年每年的 剩余边际摊销额和税前利润。以2018 年为例，剩余边际摊销额占税前利润 的76.7%,其他因素构成税前利润的 23.3%。我国会计准则仅对剩余边际
二.摊销因子的选择 假设初始剩余边际为100元，保额
700
1卫％
T.
loOo
2013
2014
2015
2016
2017
2018
剩余边际摊销一税前利润 一•一剩余边际占税前利润比例
图1平安寿险及健康险业务剩余边际摊销额及税前利润
14096 120% 100^ 80% 60% 40% 20% 0%
中国保险监督管理委员会关于发布《中国人身保险业重大疾病经验发生率表(2006－2010)》的通知
中国保险监督管理委员会关于发布《中国人身保险业重大疾病经验发生率表(2006－2010)》的通知文章属性•【制定机关】中国保险监督管理委员会(已撤销)•【公布日期】2013.10.31•【文号】保监发[2013]81号•【施行日期】2013.10.31•【效力等级】部门规范性文件•【时效性】失效•【主题分类】保险正文中国保险监督管理委员会关于发布《中国人身保险业重大疾病经验发生率表（2006－2010）》的通知（保监发〔2013〕81号）各人身保险公司：现发布《中国人身保险业重大疾病经验发生率表（2006－2010）》。
有关说明如下：一、中国第一张人身保险业重大疾病经验发生率表命名为《中国人身保险业重大疾病经验发生率表（2006－2010）》，英文名称为“China Life Insurance Experienced Critical Illness Table（2006－2010）”，简称“CI（2006－2010）表”。
其中，6病种经验发生率表两张，25病种经验发生率表两张，分别为：1.6病种经验发生率男表，简称CI1（2006－2010）；2.6病种经验发生率女表，简称CI2（2006－2010）；3.25病种经验发生率男表，简称CI3（2006－2010）；4.25病种经验发生率女表，简称CI4（2006－2010）。
二、6病种是指根据中国保险行业协会颁布的重大疾病有关定义所规定的第1－6种重大疾病，即恶性肿瘤、急性心肌梗塞、脑中风后遗症、重大器官移植术或造血干细胞移植术、冠状动脉搭桥术（或称冠状动脉旁路移植术）和终末期肾病（或称慢性肾功能衰竭尿毒症期）。
25病种是指根据中国保险行业协会颁布的重大疾病有关定义所规定的全部25种重大疾病。
三、ix是指重大疾病的经验发生率。
kx是指在包含重大疾病保险责任的人身保险产品中，因患重大疾病死亡的人数占全部死亡人数的比率。
附件：中国人身保险业重大疾病经验发生率表（2006－2010）中国保监会2013年10月31日附件：中国人身保险业重大疾病经验发生率表（2006－2010）。