精算假设 meaning in Chinese

actuarial assumption

The participation policy holder can enjoy the surplus of dispensability . the surplus of dispensability is the profits which the life insurance company manages . the surplus of dispensability are adjusted in such way that the performances of life insurance company on the investment portfolio
分红保险的一般特点是按照相对保守的精算假设设定较高的费率,而将每年该类保险产品产生的盈余按照一定的分配标准以分发红利的方式分配给客户。
As the participation policy includes the minimum interest rate guaranteed and the annuities of the participation policy are variable based to the reward level of investment portfolio , so the measurement of the participation policy is different from the traditional life insurance product . it embeds a put option
在分红保险的定价中,一般假设更高的预期死亡率、经营费用、退保率,更低的预定利率等,但将这些精算假设定到什么程度为合适,要依各公司自己的经验而定。