4 the optimal insurance based on game theory study the above aggregate model of life insurance by applying the game theories . the insurance process is characterized by the game of two - person zero - sum for the first time : the existence of the optimal value of premium in the model and how to obtain the optimal value are analyzed in detail based on the game theories 4基于对策理论的最优保险将对策理论应用于保险实践中，投保过程可以由二人零和对策来描述，应用二人零和对策理论讨论模型中保险费的最优值存在性及如何得到保险费的最优解。
