The aim of this course is to learn how to calculate the premiums of various life insurnce policies and related topics such as the calculation of reserve.

The aim of this course is to learn how to calculate the premiums of various life insurnce policies and related topics such as the calculation of reserve.

本課程授課重點在於計算各種壽險內容所需負擔之保費，本課程共有四大重點：
(一) 利率及相關之計算。包含年金、投資報酬率、各種利率之比較與轉換。
(二) 生命表。包含生命表上各項目之意義及運用。
(三) 自然純保費。計算根據固定的利率水準、根據生命表所建立之各種不同年齡投保人之死亡機率，計算各種不同保險內容所應負擔之保費。
(四) 應繳總保費。根據(三)計算出自然純保費之後，再考慮其他附加支出各項，如佣金、帳管費用等計算出應繳總保額，也同時考慮解約退保時的相關事項。

The focus of this course is on calculating the premiums required for various life insurance contents. This course has four key points:
(1) Interest rates and related calculations. Includes comparison and conversion of annuities, investment returns, and various interest rates.
(2) Life table. Contains the meaning and application of each item on the life chart.
(3) Natural pure premium. Calculate the death probabilities of policyholders of various ages based on fixed interest rates and life tables, and calculate the premiums that should be paid for various insurance contents.
(4) Total premium payable. After calculating the natural pure premium according to (3), other additional expenses, such as commissions, accounting fees, etc., are then calculated to calculate the total insurance amount payable. Relevant matters when canceling the contract and surrendering the policy are also considered.

Life Insurance Primary Mathematics, 4th ed, T. Chung (in Chinese)

Life Insurance Primary Mathematics, 4th ed, T. Chung (in Chinese)