| 终身寿险退保的利率敏感性分析——基于保单保障水平的测算 |
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| 引用本文： | 展凯.终身寿险退保的利率敏感性分析——基于保单保障水平的测算[J].广东金融学院学报,2010(4). |
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| 作者姓名： | 展凯 |
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| 作者单位： | 广东外语外贸大学保险系,广东广州510006; |
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| 摘 要： | 市场利率变化对于不分红终身寿险产品退保的影响很大，终身寿险保单不能够通过选择较长的缴费期来缓解市场利率变化引起的退保压力，调整预定利率能缓解退保压力；适当的分红政策能够大大缓解市场利率变化对分红型终身寿险退保的影响，但是经营效益差，分红水平低于市场预期的寿险公司产品可能会遭遇到更大的退保压力。
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| 关 键 词： | 终身寿险 退保 利率 保障水平 |
Analysis of Interest Rate Sensitivity to Whole Life Insurance Surrender Activity --Based on the Measuring of Policy Benefit |
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| Zhan Kai.Analysis of Interest Rate Sensitivity to Whole Life Insurance Surrender Activity --Based on the Measuring of Policy Benefit[J].Journal of Guangdong University of Finance,2010(4). |
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| Authors: | Zhan Kai |
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| Abstract: | Based on the measuring of policy benefit, the article discusses the effect of interest rate to whole life insurance surrender activity, especially to the participating whole life insurance. The result indicates that variation of interest rate drastically affects the non- participating whole life insurance surrender activity; the pressure of surrendering can not be reduced by choosing longer length of fee payment, while the pressure will be eased by adjusting the assumed interest rate. Appropriate bonus can release the surrender pressure of participating whole life insurance due to the rate changing, whereas product with dividend below the market expectation may encounter more pressure of surrendering. |
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| Keywords: | whole life insurance surrender interest rate policy benefit |
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