回复: 关于人寿保险,你真的弄明白了吗?
请问楼主: 如何根据保费储备投资分配率计算出现金价值?
第2年,你的期初保费储备值是:第1年末的27,332.68+当年预付的5万-当年实付保费24,409.04=52,923.64元。
52923.64 x (1+6.84%) = 56543.61, 而不是现金价值 56,753.3
看来按楼主解释的分配率计算出的现金价值与表格中给出的现金价值差距太远:
年龄 按楼主理解计算所得 表格中的现金价值
41 27,341.38 27,332.68
42 56,552.91 56,753.30
43 87,762.51 88,470.84
44 121,106.85 123,020.96
45 156,731.94 161,365.65
46 194,793.79 209,153.18
47 235,459.07 285,628.87
48 278,905.85 339,985.49
49 325,324.39 390,527.39
50 374,917.96 457,475.55
51 376,541.68 482,451.25
52 378,276.47 498,065.17
53 380,129.91 516,638.96
54 382,110.13 538,335.96
55 384,225.80 563,347.47
56 386,512.84 590,948.27
57 388,956.32 621,528.85
58 391,566.94 655,315.66
59 394,356.11 692,538.41
60 397,336.07 733,402.37
61 400,519.86 764,862.43
62 403,921.42 798,109.52
63 407,555.65 833,151.65
64 411,438.46 870,024.67
65 415,586.85 908,791.50
66 420,018.99 949,591.84
67 424,754.29 992,539.86
68 429,813.48 1,037,776.74
69 435,218.73 1,085,431.01
70 440,993.69 1,135,579.67
71 447,163.66 1,180,904.33
72 453,755.65 1,227,827.06
73 460,798.54 1,276,353.56
74 468,323.16 1,326,545.52
75 476,362.47 1,378,950.28
76 484,951.66 1,441,132.61
77 494,128.35 1,525,869.22
78 503,932.73 1,615,313.35
79 514,407.73 1,709,726.77
80 525,599.22 1,803,442.47
81 537,556.21 1,902,371.90
82 550,331.06 2,006,832.16
83 563,979.70 2,117,133.50
84 578,561.92 2,233,640.05
85 594,141.55 2,356,706.67
86 610,786.84 2,445,598.88
87 628,570.66 2,537,732.61
88 647,570.89 2,633,241.41
89 667,870.74 2,732,264.23
90 689,559.10 2,834,965.81
91 712,730.94 3,000,503.85
92 737,487.74 3,173,270.36
93 763,937.90 3,353,613.15
94 792,197.26 3,472,592.19
95 822,389.55 3,595,895.78
96 854,647.00 3,723,958.67
97 889,110.85 3,857,429.43
98 925,932.04 3,997,365.00
99 965,271.79 4,145,552.64
100 1,007,302.38 4,305,246.12
101 1,076,201.86 4,541,708.34
102 1,149,814.07 4,789,585.05
103 1,228,461.35 5,049,398.84
104 1,312,488.11 5,321,695.57
105 1,402,262.30 5,607,045.49