TEMAT 8
UBEZPIECZENIA NA śYCIE CD.
Przykład 1: Oblicz JSN w terminowym trzyletnim ubezpieczeniu na Ŝycie osoby
w wieku x=80 lat, jeśli SU=10 tys. zł, i=5%, zaś
k
,
,
q
k
02
0
6
0
80
+
=
+
.
=
⋅
⋅
=
+
=
+
∑
k
80
2
0
k
80
k
1
k
1
3
:
80
q
p
ν
A
=
⋅
⋅
+
+
⋅
⋅
+
+
⋅
⋅
+
=
82
80
2
3
81
80
1
2
80
80
0
q
p
i)
(1
1
q
p
i)
(1
1
q
p
i
1
1
=
⋅
⋅
⋅
+
⋅
⋅
+
⋅
⋅
=
82
81
80
3
81
80
2
80
q
p
p
1,05
1
q
p
1,05
1
q
1
1,05
1
880406
,
0
64
,
0
)
62
,
0
1
(
)
6
,
0
1
(
05
,
1
1
62
,
0
)
6
,
0
1
(
05
,
1
1
6
,
0
1
05
,
1
1
3
2
=
⋅
−
⋅
−
⋅
+
⋅
−
⋅
+
⋅
⋅
=
06
8804
880406
0
10000
,
,
JSN
=
⋅
=
zł
=
−
=
2
1
5%
|
3
:
80
1
%
5
10,2
|
3
:
80
2
)
(A
A
)
Var(Z
213834
,
0
8804
,
0
0,8208
2
=
−
Przykład 2: Osoba ubezpieczaj
ą
ca si
ę
jest w wieku
80
=
x
lat. Zakładamy,
Ŝ
e z
TT
ś
wynika, i
Ŝ
k
,
,
q
k
02
0
6
0
80
+
=
+
. Oblicz JSN w ubezpieczeniu na do
Ŝ
ycie
wieku 83 lat, je
ś
li SU=10 tys. zł, i=5%.
047269
,
0
05472
,
0
05
,
1
1
36
,
0
38
,
0
4
,
0
05
,
1
1
)
q
-
(1
)
q
-
(1
)
q
-
(1
ν
p
p
p
ν
p
ν
A
3
3
82
81
80
3
82
81
80
3
80
3
3
1
3
:
80
=
⋅
=
⋅
⋅
⋅
=
=
⋅
⋅
⋅
=
⋅
⋅
⋅
=
⋅
=
69
472
047269
0
10000
,
,
JSN
=
⋅
=
zł
