人生收支曲线图 保险 人保寿险畅享人生年金保险（分红型）B款红利的计算公式

\u4eba\u751f\u4e0d\u540c\u9636\u6bb5\u7684\u4fdd\u9669\u9700\u6c42\u60c5\u51b5\u5206\u6790

\u4eba\u751f\u4e0d\u540c\u9636\u6bb5\u4f1a\u6709\u4e0d\u540c\u7684\u98ce\u9669\u7279\u70b9\u548c\u8d22\u52a1\u7279\u5f81\uff0c\u56e0\u6b64\u6709\u7740\u4e0d\u540c\u7684\u4fdd\u9669\u9700\u6c42\u3002\u4ee3\u7406\u4eba\u5728\u65e5\u5e38\u5c55\u4e1a\u8fc7\u7a0b\u4e2d\uff0c\u5e94\u6309\u7167\u4e0b\u56fe\uff08\u56fe1\uff09\u7684\u6d41\u7a0b\u5f00\u5c55\u5206\u6790\uff0c\u624d\u80fd\u6709\u6548\u83b7\u77e5\u5ba2\u6237\u7684\u4fdd\u9669\u9700\u6c42\uff0c\u4ece\u800c\u4e3a\u5ba2\u6237\u63d0\u4f9b\u5207\u5b9e\u7684\u4fdd\u969c\u3002
\u4eba\u751f\u53ef\u5206\u4e3a\u5b66\u4e60\u6210\u957f\u671f\u3001\u5355\u8eab\u671f\u3001\u5bb6\u5ead\u5f62\u6210\u671f\u3001\u5bb6\u5ead\u6210\u957f\u671f\u3001\u5bb6\u5ead\u6210\u719f\u671f\u51e0\u4e2a\u9636\u6bb5\uff0c\u4e0d\u540c\u9636\u6bb5\u7684\u4eba\u751f\u98ce\u9669\u3001\u8d22\u52a1\u72b6\u51b5\u7f3a\u53e3\u5c31\u662f\u76f8\u5e94\u7684\u4fdd\u9669\u9700\u6c42\u4e0e\u4fa7\u91cd\u70b9\u3002\uff08\u89c1\u56fe2\uff09


\u5355\u8eab\u671f\uff1a
\u4e3b\u8981\u96c6\u4e2d\u572822\uff0d30\u5c81\u4e4b\u95f4\u3002\u4ece\u53c2\u52a0\u5de5\u4f5c\u81f3\u7ed3\u5a5a\u65f6\u671f\uff0c\u4e00\u822c\u4e3a4\uff0d8\u5e74\u3002
\u9636\u6bb5\u7279\u70b9\uff1a
1\u3001\u7ecf\u6d4e\u6536\u5165\u76f8\u5bf9\u8f83\u4f4e\u3001\u4e0d\u7a33\u5b9a\u4e14\u82b1\u9500\u5927\uff0c\u4f46\u6536\u5165\u589e\u901f\u53ef\u80fd\u8f83\u5927\uff1b
2\u3001\u5065\u5eb7\u72b6\u51b5\u826f\u597d\uff1b
3\u3001\u65e0\u5bb6\u5ead\u8d1f\u62c5\uff1b
4\u3001\u4fdd\u9669\u610f\u8bc6\u8f83\u5f31\uff1b
5\u3001\u559c\u6b22\u53c2\u52a0\u65c5\u6e38\u3001\u8fd0\u52a8\u7b49\u5177\u6709\u4e00\u5b9a\u98ce\u9669\u7684\u6d3b\u52a8\uff1b
6\u3001\u8ffd\u6c42\u65f6\u5c1a\uff0c\u8f83\u6613\u63a5\u53d7\u65b0\u9c9c\u4e8b\u7269\u3002
\u4f18\u5148\u9700\u6c42\u5206\u6790\uff1a
1\u3001\u610f\u5916\u98ce\u9669\u4fdd\u969c\uff1a\u53ef\u4f5c\u4e3a\u7b2c\u4e00\u8003\u8651\u7684\u4fdd\u9669\u9700\u6c42\u3002\u82e5\u7236\u6bcd\u9700\u8981\u8d61\u517b\uff0c\u8fd8\u53ef\u8003\u8651\u8d2d\u4e705\u81f310\u5e74\u7684\u5b9a\u671f\u5bff\u9669\uff0c\u786e\u4fdd\u4e00\u65e6\u53d1\u751f\u4e0d\u6d4b\uff0c\u53ef\u7528\u4fdd\u9669\u91d1\u652f\u6301\u7236\u6bcd\u7684\u751f\u6d3b\uff1b
2\u3001\u5065\u5eb7\u98ce\u9669\u4fdd\u969c\uff1a\u53ef\u8003\u8651\u8d2d\u4e70\u4e2d\u77ed\u671f\u7684\u4f4f\u9662\u533b\u7597\u4fdd\u9669\u3001\u91cd\u5927\u75be\u75c5\u4fdd\u9669\u7b49\uff1b
3\u3001\u50a8\u84c4\u9700\u6c42\uff1a\u53ef\u4ee5\u8003\u8651\u50a8\u84c4\u6295\u8d44\u578b\u4fdd\u9669\uff0c\u4ee5\u4fbf\u83b7\u5f97\u4fdd\u969c\u7684\u540c\u65f6\u53d8\u76f8\u83b7\u5f97\u4e00\u4efd\u201c\u50a8\u84c4\u6295\u8d44\u201d\uff0c\u6216\u8d2d\u4e70\u9694\u5e74\u9886\u53d6\u4fdd\u9669\u91d1\u7684\u4fdd\u9669\uff0c\u4f8b\u5982\u6bcf\u96943\u5e74\u30015\u5e74\u5c31\u9886\u53d6\u4fdd\u9669\u91d1\u7684\u4fdd\u9669\uff0c\u4ee5\u8fbe\u5230\u79ef\u7d2f\u7ec4\u5efa\u5bb6\u5ead\u548c\u4fdd\u9669\u4e1a\u57fa\u91d1\u7684\u7406\u8d22\u76ee\u6807\u3002
\u6c9f\u901a\u5efa\u8bae\uff1a
1\u3001\u7528\u60a8\u6536\u5165\u7684\u4e00\u5c0f\u90e8\u5206\u4fdd\u969c\u60a8\u65f6\u5c1a\u81ea\u7531\u7684\u54c1\u8d28\u751f\u6d3b\uff1b
2\u3001\u5982\u6709\u4e0d\u6d4b\uff0c\u522b\u8ba9\u7236\u6bcd\u80cc\u8d1f\u6c89\u91cd\u8d1f\u62c5\uff1b
3\u3001\u4e0d\u6c42\u65e0\u9650\u5bcc\u6709\uff0c\u4f46\u6c42\u5e78\u798f\u957f\u4e45\uff1b
4\u3001\u4e70\u5f20\u4fdd\u5355\u627e\u5bf9\u8c61\uff1b
5\u3001\u8d2d\u4e70\u5bff\u9669\u662f\u56fd\u9645\u8d8b\u52bf\u3002

\u5bb6\u5ead\u5f62\u6210\u671f\uff1a
\u4ece\u7ed3\u5a5a\u5230\u65b0\u751f\u513f\u8bde\u751f\u65f6\u671f\uff0c\u4e00\u822c\u4e3a1\uff0d5\u5e74\u3002
\u9636\u6bb5\u7279\u70b9\uff1a
1\u3001\u6709\u4e86\u4e00\u5b9a\u751f\u6d3b\u7ecf\u9a8c\uff0c\u5f00\u59cb\u9762\u5bf9\u66f4\u591a\u7684\u5bb6\u5ead\u8d23\u4efb\uff0c\u4fdd\u9669\u610f\u8bc6\u548c\u9700\u6c42\u6709\u6240\u589e\u5f3a\uff1b
2\u3001\u6536\u5165\u4e5f\u8d70\u5411\u7a33\u5b9a\u5e76\u6709\u6240\u63d0\u9ad8\uff0c\u8fd9\u4e00\u65f6\u671f\u662f\u5bb6\u5ead\u7684\u4e3b\u8981\u6d88\u8d39\u671f\uff0c\u4e3a\u63d0\u9ad8\u751f\u6d3b\u8d28\u91cf\u5f80\u5f80\u9700\u8f83\u5927\u7684\u5bb6\u5ead\u5efa\u8bbe\u652f\u51fa\uff1b
3\u3001\u8d37\u6b3e\u4e70\u623f\u7684\u5bb6\u5ead\u8fd8\u987b\u4e00\u7b14\u5927\u5f00\u652f\u2015\u2015\u6708\u4f9b\u6b3e\uff1b
4\u3001\u592b\u5987\u53cc\u65b9\u5e74\u7eaa\u8f83\u8f7b\uff0c\u5065\u5eb7\u72b6\u51b5\u826f\u597d\u3002
\u4f18\u5148\u9700\u6c42\u5206\u6790\uff1a
1\u3001\u610f\u5916\u98ce\u9669\u4fdd\u969c\uff1a\u4e3a\u81ea\u5df1\u548c\u5bb6\u4eba\u6295\u4fdd\u610f\u5916\u9669\uff0c\u4ee5\u4f7f\u5bb6\u5ead\u83b7\u5f97\u7ecf\u6d4e\u4e0a\u7684\u4fdd\u969c\uff0c\u540c\u65f6\uff0c\u4e3a\u4fdd\u8bc1\u623f\u5c4b\u4f9b\u6b3e\u7684\u8fde\u7eed\u6027\uff0c\u53ef\u4ee5\u8003\u8651\u8d2d\u4e70\u4e00\u4e9b\u5b9a\u671f\u9669\uff1b
2\u3001\u5065\u5eb7\u98ce\u9669\u4fdd\u969c\uff1a\u7531\u4e8e\u6709\u4e86\u5bb6\u5ead\u8d23\u4efb\uff0c\u592b\u59bb\u53cc\u65b9\u66f4\u5e94\u8be5\u6ce8\u91cd\u5bf9\u75be\u75c5\u7684\u9632\u8303\uff0c\u5e94\u8be5\u591a\u8003\u8651\u6295\u4fdd\u77ed\u671f\u3001\u4e2d\u671f\u7684\u5065\u5eb7\u4fdd\u9669\u548c\u75be\u75c5\u8eab\u6545\u4fdd\u9669\uff1b
3\u3001\u5728\u5b8c\u5584\u4e86\u4ee5\u4e0a\u51e0\u9879\u4fdd\u969c\u540e\uff0c\u53ef\u4e3a\u81ea\u5df1\u6295\u4fdd\u517b\u8001\u9669\u6216\u50a8\u84c4\u6295\u8d44\u578b\u4fdd\u9669\u3002
\u6c9f\u901a\u5efa\u8bae\uff1a
1\u3001\u6700\u5c0f\u7684\u82b1\u8d39\u3001\u6700\u9f50\u5168\u7684\u4fdd\u969c\uff1b
2\u3001\u5173\u5fc3\u81ea\u5df1\u5c31\u662f\u5173\u7231\u5bb6\u4eba\uff1b
3\u3001\u5065\u5eb7\u624d\u662f\u5bb6\u5ead\u7684\u65e0\u4ef7\u4e4b\u5b9d\uff1b
4\u3001\u4fdd\u9669\u5c31\u662f\u6709\u75c5\u6cbb\u75c5\u3001\u65e0\u75c5\u517b\u8001\uff1b
5\u3001\u4fdd\u9669\u662f\u5e78\u798f\u751f\u6d3b\u7684\u907f\u98ce\u6e2f\uff1b
6\u3001\u4fdd\u9669\u5c31\u662f\u201c\u6211\u7231\u4f60\u201d\u3002

\u5bb6\u5ead\u6210\u957f\u671f\uff1a
\u4ece\u5b69\u5b50\u51fa\u751f\u5230\u5b69\u5b50\u53c2\u52a0\u5de5\u4f5c\u4ee5\u524d\u7684\u8fd9\u6bb5\u65f6\u95f4\uff0c\u5927\u7ea620\uff0d25\u5e74\u3002
\u9636\u6bb5\u7279\u70b9\uff1a
1\u3001\u5bb6\u5ead\u548c\u5b50\u5973\u6559\u80b2\u7684\u8d1f\u62c5\u52a0\u91cd\uff0c\u5bb6\u5ead\u7684\u6700\u5927\u5f00\u652f\u662f\u4fdd\u5065\u533b\u7597\u8d39\u3001\u5b66\u524d\u6559\u80b2\u3001\u667a\u529b\u5f00\u53d1\u8d39\u7528\uff1b
2\u3001\u592b\u5987\u53cc\u65b9\u5e74\u7eaa\u6e10\u957f\uff0c\u5065\u5eb7\u72b6\u51b5\u5e94\u591a\u8003\u8651\uff1b
3\u3001\u4fdd\u9669\u610f\u8bc6\u6301\u7eed\u589e\u5f3a\u3002
\u4f18\u5148\u9700\u6c42\u5206\u6790\uff1a
1\u3001\u8fd9\u4e00\u9636\u6bb5\u662f\u8d2d\u4e70\u4fdd\u9669\u7684\u91cd\u70b9\u9636\u6bb5\uff0c\u5b50\u5973\u7684\u6559\u80b2\u65e0\u7591\u662f\u8fd9\u4e00\u9636\u6bb5\u7684\u91cd\u4e2d\u4e4b\u91cd\uff0c\u53ef\u4ee5\u901a\u8fc7\u8d2d\u4e70\u5b9a\u671f\u5bff\u9669\u548c\u5c11\u513f\u9669\u6765\u5f25\u8865\u6559\u80b2\u8d39\u7528\u7684\u4e0d\u8db3\uff1b
2\u3001\u7236\u6bcd\u672c\u8eab\u7684\u5b89\u5168\u548c\u5065\u5eb7\u4e5f\u662f\u5fc5\u987b\u8003\u8651\u7684\uff0c\u9664\u4e86\u610f\u5916\u548c\u57fa\u672c\u7684\u533b\u7597\u4fdd\u969c\u5916\uff0c\u5e94\u8003\u8651\u9632\u5fa1\u91cd\u5927\u75be\u75c5\uff1b
3\u3001\u8003\u8651\u5230\u4fdd\u8d39\u7684\u5408\u7406\u6027\uff0c\u5e94\u8be5\u63d0\u524d\u8d2d\u4e70\u4e00\u5b9a\u7684\u517b\u8001\u9669\u3002
\u6c9f\u901a\u5efa\u8bae\uff1a
1\u3001\u4fdd\u969c\u5b69\u5b50\u9996\u5148\u8981\u4fdd\u969c\u81ea\u5df1\uff1b
2\u3001\u522b\u8ba9\u5b69\u5b50\u8f93\u5728\u8d77\u8dd1\u7ebf\u4e0a\uff1b
3\u3001\u53ef\u522b\u201c\u8f9b\u8f9b\u82e6\u82e6\u4e09\u5341\u5e74\uff0c\u4e00\u671d\u56de\u5230\u89e3\u653e\u524d\u201d\u5440\uff1b
4\u3001\u4eba\u751f\u4e09\u5b9d\uff1a\u5e73\u5b89\u3001\u5065\u5eb7\u3001\u8d22\u5bcc\u3002

\u5bb6\u5ead\u6210\u719f\u671f\uff1a
\u5b50\u5973\u53c2\u52a0\u5de5\u4f5c\u5230\u5bb6\u957f\u9000\u4f11\u4e3a\u6b62\u8fd9\u6bb5\u65f6\u671f\uff0c\u4e00\u822c\u4e3a15\u5e74\u5de6\u53f3\u3002
\u9636\u6bb5\u7279\u70b9\uff1a
1\u3001\u8fd9\u4e00\u9636\u6bb5\u81ea\u8eab\u7684\u5de5\u4f5c\u80fd\u529b\u3001\u5de5\u4f5c\u7ecf\u9a8c\u3001\u7ecf\u6d4e\u72b6\u51b5\u90fd\u8fbe\u5230\u9ad8\u5cf0\u72b6\u6001\uff1b
2\u3001\u5b50\u5973\u5df2\u5b8c\u5168\u81ea\u7acb\uff0c\u503a\u52a1\u9010\u6e10\u51cf\u8f7b\uff1b
3\u3001\u592b\u5987\u53cc\u65b9\u5e74\u7eaa\u8f83\u5927\uff0c\u5065\u5eb7\u72b6\u51b5\u6709\u6240\u4e0b\u964d\uff1b
4\u3001\u5bb6\u5ead\u6210\u5458\u4e0d\u518d\u589e\u52a0\uff1b
5\u3001\u6536\u5165\u7a33\u5b9a\u5728\u8f83\u9ad8\u6c34\u5e73\uff1b
6\u3001\u4fdd\u9669\u610f\u8bc6\u548c\u9700\u6c42\u589e\u5f3a\u3002
\u4f18\u5148\u9700\u6c42\u5206\u6790\uff1a
1\u3001\u6b64\u65f6\u8981\u4e3a\u5c06\u6765\u8001\u5e74\u751f\u6d3b\u505a\u597d\u5b89\u6392\uff0c\u5e94\u8be5\u91cd\u70b9\u8d2d\u4e70\u517b\u8001\u9669\uff1b
2\u3001\u53ef\u517c\u987e\u5b89\u6392\u5065\u5eb7\u3001\u91cd\u5927\u75be\u75c5\u4fdd\u9669\uff0c\u56e0\u4e3a\u5728\u591a\u6570\u60c5\u51b5\u4e0b\uff0c\u6b64\u65f6\u7684\u5065\u5eb7\u9669\u4ea7\u54c1\u4ef7\u683c\u5df2\u7ecf\u5f88\u9ad8\uff0c\u8db3\u4ee5\u4f7f\u5b9e\u9645\u610f\u4e49\u5927\u6253\u6298\u6263\uff1b
3\u3001\u53ef\u8003\u8651\u7ec8\u8eab\u6b7b\u4ea1\u4fdd\u9669\uff0c\u4ee5\u83b7\u5f97\u201c\u4fdd\u503c\u7684\u9057\u4ea7\u201d\uff1b
4\u3001\u8fdb\u5165\u4eba\u751f\u540e\u671f\uff0c\u4e07\u4e00\u98ce\u9669\u6295\u8d44\u5931\u8d25\uff0c\u4f1a\u846c\u9001\u4e00\u751f\u79ef\u7d2f\u7684\u8d22\u5bcc\uff0c\u6240\u4ee5\u4e0d\u5b9c\u8fc7\u591a\u9009\u62e9\u98ce\u9669\u6295\u8d44\u65b9\u5f0f\u3002
\u6c9f\u901a\u5efa\u8bae\uff1b
1\u3001\u5065\u5eb7\u6210\u5c31\u4e8b\u4e1a\u8f89\u714c\uff1b
2\u3001\u4fdd\u969c\u6709\u4ef7\uff0c\u5065\u5eb7\u65e0\u4ef7\uff1b
3\u3001\u6295\u8d44\u5065\u5eb7\u624d\u80fd\u771f\u6b63\u6536\u83b7\u4eba\u751f\u8f89\u714c\u3002

\u5b66\u9738\u8bf4\u4fdd\u9669\uff0c\u4e13\u6ce8\u4fdd\u9669\u6d4b\u8bc4\uff01\u4e2d\u56fd\u4eba\u4fdd\u7684\u91cd\u75be\u9669\u4e0e\u5176\u4ed6\u70ed\u95e8\u91cd\u75be\u9669\u5bf9\u6bd4\u76f4\u63a5\u770b\u300a\u4eba\u4fdd\u91cd\u75be\u9669\u4e0e\u56fd\u5185\u70ed\u95e8\u91cd\u75be\u9669\u5bf9\u6bd4\u8868\u300b
\u4eba\u4fdd\u5bff\u9669\u7545\u4eab\u4eba\u751f\u5e74\u91d1\u4fdd\u9669\uff08\u5206\u7ea2\u578b\uff09B\u6b3e\u6709\u4ee5\u4e0b\u51e0\u79cd\u5f62\u5f0f\u7684\u7ea2\u5229\u8fd4\u8fd8\uff1a

1\u3001\u5e74\u91d1=\u4fdd\u989d*10%
\u4e8e\u6bcf\u4e2a\u4fdd\u5355\u5468\u5e74\u65e5\u7ed9\u4ed8\u5e74\u91d1,\u76f4\u5230\u5ba2\u6237\u5e74\u6ee125\u5c81\u621670\u5c81\u3002

2\u3001\u6ee1\u671f\u91d1

\u521b\u4e1a\u91d1=\u4fdd\u989d*10\uff0c
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3\u3001\u8eab\u6545\u4fdd\u9669\u91d1

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收支平衡原理是指保险人在保险期内纯保费收入的现金价值与支出保险赔付的现金价值相等，它是保险精算最基本的原理。
一、在保险精算中收支平衡的形式
收支平衡原理具体三种平衡等式
一是期初的现值相等:保险合同成立时保费收入的现值和支付保险金的现值相等;
二是期末的终值相等:保险合同期末的保费收入的终值和支付保险金的终值保持平衡;
三是期中的当前值相等:任一时点的保费收入和支付保险金的当前值相等
二、收支平衡原理的应用
生命表是记录人们从零岁开始到极限年龄之间，每一整数年龄内生存或死亡的概率分布情况。

扩展阅读：【保险】怎么买，哪个好，手把手教你避开保险的这些"坑"

扩展阅读：个人购买人身意外险 ... 中国平安100万意外险 ... 个人意外保险价目表 ... 人生轨迹成长图 ... 一键生成曲线图 ... 免费一生运势曲线图 ... 500万人身意外险价格 ... 生长曲线图 女孩 ... 成功人生曲线图 ...