中国人身保险业经验生命表(2010-2013)

中国人身保险从业人员资格考试中国寿险管理师中级资格中国寿险理财规划师中级资格课程A3 《人身保险产品》NO. 070300101A 卷考生准考证号：_________________________________考生签名处：_________________________________中国人身保险从业人员资格考试中国寿险管理师中级资格课程中国寿险理财规划师中级资格课程A3《人身保险产品》（NO．070300101）A卷本试卷共100题，每题有且仅有一个正确选项，答对得1分，漏选、多选或错选得0分，共计100分。

1．对于两个仅存在债权债务关系的自然人，债权人欲为债务人购买一份身故保险，以下哪个险种的保险责任最适合？（）A．平准型身故保险金B．递增型身故保险金C．递减型身故保险金 D．变额身故保险金（答案：C．递减型身故保险金；P54，14行）2．下列不属于寿险公司内部环境的是（）。

A．客户服务能力B．系统支持程度C．市场环境D．资本实力和风险管控能力（答案：C．市场环境；P65，第5行）3．在我国，居民个人购买人身保险，（）可以免缴个人所得税。

A．所缴保费 B．年金给付C．满期给付D．补偿性赔款（答案：D．补偿性赔款；P49，13行）4．按照中国保监会《个人万能保险精算规定》，在万能保险合同有效期内，账户中的资产（）。

A．不得小于负债B．可以小于负债C．必须大于现金价值D．必须等于负债（答案：A．不得小于负债；P220，倒17行）5．由于（），人身保险产品通常采取标准化的保险金额。

A．人的生命和健康价值无法准确估计 B．同样的人身损害会有一致的感觉C．人的生命价值可以进行标准化的计算D．保险公司的管理日趋规范化（答案：A．人的生命和健康价值无法准确估计；P13，第12行）6．通常，同时影响人的寿命风险与身体风险的因素有（）。

①性别②年龄③嗜好④职业⑤道德Ａ．②③④⑤Ｂ．①②③Ｃ．①④⑤Ｄ．①③④（答案：Ｂ．①②③；P2，第10行）7．在美国，保单持有人将保单现金价值有条件或无条件方式转让给他人所使用的条款是（）。

年龄死亡率生存人数死亡人数平均余命(x)q xl xd xL xT xe x o00.0008671000000.00867.00999566.5076420141.8776.4210.000615999133.00614.47998825.7775420575.3775.4920.000445998518.53444.34998296.3674421749.6074.5330.000339998074.19338.35997905.027*******.2473.5740.00028997735.85279.37997596.1672425548.2272.5950.000251997456.48250.36997331.3071427952.0671.6160.000237997206.12236.34997087.9570430620.7670.6370.000233996969.78232.29996853.6369433532.8169.6480.000238996737.49237.22996618.8768436679.1868.6690.00025996500.26249.13996375.7067440060.3067.68100.000269996251.14267.99996117.1466443684.6066.69110.000293995983.15291.82995837.2365447567.4665.71120.000319995691.32317.63995532.5164451730.2364.73130.000347995373.70345.39995201.0063456197.7263.75140.000375995028.30373.14994841.7362460996.7262.77150.000402994655.17399.85994455.2461466154.9861.80160.000427994255.32424.55994043.0460471699.7460.82170.000449993830.77446.23993607.6559477656.7059.85180.000469993384.54465.90993151.5958484049.0558.87190.000489992918.64485.54992675.8757490897.4657.90200.000508992433.10504.16992181.0356498221.5956.93210.000527991928.95522.75991667.5755506040.5655.96220.000547991406.20542.30991135.0554514372.9854.99230.000568990863.90562.81990582.5053523237.9354.02240.000591990301.09585.27990008.4652532655.4453.05250.000615989715.82608.68989411.4951542646.9852.08260.000644989107.15636.99988788.6650553235.4951.11270.000675988470.16667.22988136.5549564446.8450.14280.000711987802.95702.33987451.7848576310.2849.18290.000751987100.62741.31986729.9647588858.5048.21300.000797986359.31786.13985966.2446602128.5447.25310.000847985573.18834.78985155.7945616162.3046.28320.000903984738.40889.22984293.7944631006.5145.322010-2013非养老类业务一表男CL1生存人年数中国人身保险业经验生命表330.000966983849.18950.40983373.9843646712.7244.36 340.001035982898.781017.30982390.1342663338.7443.41 350.001111981881.481090.87981336.0441680948.6242.45 360.001196980790.611173.03980204.1040699612.5741.50 370.00129979617.581263.71978985.7339719408.4840.55 380.001395978353.881364.80977671.4738740422.7539.60 390.001515976989.071480.14976249.0037762751.2738.65 400.001651975508.931610.57974703.6536786502.2737.71 410.001804973898.371756.91973019.9135811798.6136.77 420.001978972141.461922.90971180.0134838778.7035.84 430.002173970218.562108.28969164.4233867598.6934.91 440.002393968110.282316.69966951.9332898434.2733.98 450.002639965793.592548.73964519.2231931482.3433.06 460.002913963244.862805.93961841.8930966963.1232.15 470.003213960438.933085.89958895.9830005121.2331.24 480.003538957353.043387.12955659.4829046225.2430.34 490.003884953965.923705.20952113.3228090565.7729.45 500.004249950260.724037.66948241.8927138452.4528.56 510.004633946223.064383.85944031.1326190210.5627.68 520.005032941839.214739.33939469.5425246179.4226.81 530.005445937099.875102.51934548.6224306709.8825.94 540.005869931997.365469.89929262.4223372161.2625.08 550.006302926527.475838.98923607.9822442898.8524.22 560.006747920688.506211.89917582.5521519290.8623.37 570.007227914476.616608.92911172.1520601708.3122.53 580.00777907867.697054.13904340.6219690536.1621.69 590.008403900813.567569.54897028.7918786195.5420.85 600.009161893244.028183.01889152.5217889166.7520.03 610.010*********.018908.14880606.9417000014.2319.21 620.011129876152.879750.71871277.5216119407.2918.40 630.01236866402.1710708.73861047.8015248129.7717.60 640.013771855693.4411783.75849801.5614387081.9716.81 650.015379843909.6812978.49837420.4413537280.4116.04 660.017212830931.1914301.99823780.2012699859.9715.28 670.019304816629.2115764.21808747.1011876079.7714.54 680.021*********.0017371.56792179.2211067332.6713.82 690.024*********.4319125.86773930.5110275153.4513.11 700.027*********.5821016.29753859.439501222.9512.43 710.030965743351.2923017.87731842.358747363.5111.77 720.034832720333.4225090.65707788.098015521.1611.13 730.0391********.7627187.47681649.037307733.0710.51 740.0437********.3029258.15653426.226626084.049.92750.048921638797.1531250.60623171.855972657.829.35 760.054506607546.5533114.93590989.085349485.978.81 770.060586574431.6234802.51557030.364758496.898.28 780.067202539629.1036264.16521497.034201466.537.79 790.0744503364.9537450.35484639.773679969.507.31 800.08222465914.6038307.50446760.853195329.73 6.86 810.0907427607.1038783.96408215.122748568.88 6.43 820.0998********.1338830.99369407.642340353.77 6.02 830.109754349992.1538413.04330785.631970946.12 5.63 840.120388311579.1137510.39292823.921640160.50 5.26 850.131817274068.7236126.92256005.261347336.58 4.92 860.144105237941.8134288.60220797.501091331.32 4.59 870.157334203653.2032041.57187632.42870533.82 4.27 880.171609171611.6329450.10156886.58682901.40 3.98 890.187046142161.5326590.75128866.16526014.82 3.70 900.203765115570.7823549.28103796.14397148.66 3.44 910.22187392021.5020417.0981812.96293352.52 3.19 920.24145171604.4217288.9662959.94211539.56 2.95 930.26253954315.4614259.9347185.50148579.63 2.74 940.28512940055.5311420.9934345.04101394.13 2.53 950.3091628634.548852.6524208.2167049.10 2.34 960.33452919781.886617.6116473.0842840.88 2.17 970.36110113164.274753.6310787.4526367.81 2.00 980.3887278410.643269.446775.9215580.35 1.85 990.4172575141.202145.204068.608804.43 1.71 1000.4465442996.001337.842327.074735.84 1.58 1010.4764471658.15790.021263.142408.76 1.45 1020.50683868.13439.99648.131145.62 1.32 1030.537558428.14230.15313.06497.49 1.16 1040.568497197.99112.56141.71184.430.93 105185.4385.4342.7242.720.50年龄死亡率生存人数死亡人数平均余命(x)q xl xd xL xT xe x o00.000621000000.00620.00999690.0081707122.9181.7110.000456999380.00455.72999152.1480707432.9180.7620.000337998924.28336.64998755.9679708280.7779.7930.000256998587.65255.64998459.8378709524.8178.8240.000203998332.01202.66998230.6877711064.9877.8450.00017998129.35169.68998044.5076712834.3176.8660.000149997959.66148.70997885.3275714789.8075.8770.000137997810.97136.70997742.6274716904.4974.8880.000133997674.27132.69997607.9273719161.8773.8990.000136997541.58135.67997473.7472721553.9572.90100.000145997405.91144.62997333.6071724080.2071.91110.000157997261.29156.57997183.0070726746.6070.92120.000172997104.72171.50997018.9769729563.6069.93130.000189996933.22188.42996839.0068732544.6468.94140.000206996744.79205.33996642.1367735705.6367.96150.000221996539.47220.24996429.3566739063.5066.97160.000234996319.23233.14996202.6665742634.1565.99170.000245996086.09244.04995964.0764746431.4965.00180.000255995842.05253.94995715.0863750467.4264.02190.000262995588.11260.84995457.6962754752.3463.03200.000269995327.27267.74995193.3961759294.6562.05210.000274995059.52272.65994923.2060764101.2661.07220.000279994786.88277.55994648.1059769178.0660.08230.000284994509.33282.44994368.1158774529.9559.10240.000289994226.89287.33994083.2357780161.8458.12250.000294993939.56292.22993793.4556786078.6257.13260.0003993647.34298.09993498.2955792285.1756.15270.000307993349.25304.96993196.7754798786.8755.17280.000316993044.29313.80992887.3953805590.1154.18290.000327992730.49324.62992568.1852812702.7253.20300.00034992405.86337.42992237.1551820134.5452.22310.000356992068.45353.18991891.8650827897.3951.23320.000374991715.27370.90991529.8249836005.5350.25330.000397991344.37393.56991147.5948844475.7149.27340.000423990950.80419.17990741.2247853328.1248.29350.000454990531.63449.70990306.7846862586.9147.31360.000489990081.93484.15989839.8645872280.1346.33生存人年数非养老类业务一表女CL2370.00053989597.78524.49989335.5444882440.2745.35 380.000577989073.29570.70988787.9543893104.7344.38 390.000631988502.60623.75988190.7342904316.7943.40 400.000692987878.85683.61987537.0541916126.0642.43 410.000762987195.24752.24986819.1240928589.0141.46 420.000841986443.00829.60986028.2039941769.8940.49 430.000929985613.40915.63985155.5838955741.6939.52 440.001028984697.771012.27984191.6337970586.1138.56 450.001137983685.501118.45983126.2736986394.4837.60 460.001259982567.051237.05981948.5236003268.2136.64 470.001392981329.991366.01980646.9935021319.6935.69 480.001537979963.981506.20979210.8834040672.7034.74 490.001692978457.781655.55977630.0033061461.8233.79 500.001859976802.231815.88975894.2932083831.8232.85 510.002037974986.351986.05973993.3331107937.5331.91 520.002226973000.302165.90971917.3530133944.2030.97 530.002424970834.412353.30969657.7529162026.8530.04 540.002634968481.102550.98967205.6128192369.1029.11 550.002853965930.122755.80964552.2227225163.4828.19 560.003085963174.332971.39961688.6326260611.2627.26 570.003342960202.933209.00958598.4325298922.6326.35 580.003638956993.933481.54955253.1624340324.1925.43 590.00399953512.393804.51951610.1323385071.0324.53 600.004414949707.884192.01947611.8722433460.9023.62 610.004923945515.874654.77943188.4821485849.0322.72 620.005529940861.095202.02938260.0820542660.5521.83 630.006244935659.075842.26932737.9419604400.4720.95 640.007078929816.816581.24926526.1918671662.5320.08 650.008045923235.577427.43919521.8617745136.3419.22 660.009165915808.148393.38911611.4516825614.4818.37 670.010********.769491.56902668.9815914003.0317.54 680.011955897923.2010734.67892555.8615011334.0516.72 690.013674887188.5312131.42881122.8214118778.1915.91 700.015643875057.1113688.52868212.8513237655.3615.13 710.017887861368.5915407.30853664.9412369442.5114.36 720.020*********.2917284.68837318.9511515777.5713.61 730.023*********.6119310.65819021.2910678458.6112.89 740.026528809365.9621470.86798630.539859437.3212.18 750.030137787895.1023744.79776022.709060806.7911.50 760.034165764150.3126107.20751096.718284784.0910.84 770.038653738043.1128527.58723779.327533687.3810.21 780.0436********.5330968.93694031.066809908.069.60790.049205678546.6033387.89661852.666115876.999.01 800.0553********.7135732.12627292.655454024.348.45 810.062254609426.6037939.24590456.984826731.687.92 820.06988571487.3539935.54551519.594236274.717.41 830.07832531551.8241631.14510736.253684755.12 6.93 840.0876********.6842922.44468459.463174018.87 6.48 850.0977********.2443695.87425150.312705559.41 6.05 860.108704403302.3743840.58381382.082280409.11 5.65 870.120371359461.7943268.78337827.401899027.02 5.28 880.132638316193.0241939.21295223.411561199.62 4.94 890.145395274253.8139875.13254316.241265976.21 4.62 900.158572234378.6737165.90215795.731011659.97 4.32 910.172172197212.7833954.52180235.52795864.24 4.04 920.186294163258.2630414.03148051.24615628.72 3.77 930.201129132844.2326718.83119484.81467577.48 3.52 940.21694106125.4023022.8494613.98348092.66 3.28 950.23402683102.5619448.1673378.48253478.69 3.05 960.25267363654.4016083.7555612.52180100.21 2.83 970.27311247570.6512992.1241074.59124487.69 2.62 980.29547834578.5310217.2029469.9483413.09 2.41 990.31979424361.347790.6120466.0353943.16 2.21 1000.34597516570.735733.0613704.2033477.13 2.02 1010.37385610837.674051.738811.8119772.93 1.82 1020.4032216785.942736.235417.8310961.12 1.62 1030.4338334049.711756.903171.265543.29 1.37 1040.4654472292.811067.181759.222372.03 1.03 10511225.631225.63612.81612.810.50年龄死亡率生存人数死亡人数平均余命(x)q xl xd xL xT xe x o00.000621000000.00620.00999690.0080351120.9380.3510.000465999380.00464.71999147.6479351430.9379.4020.000353998915.29352.62998738.9878352283.2978.4430.000278998562.67277.60998423.8777353544.3177.4640.000229998285.07228.61998170.7776355120.4476.4950.0002998056.46199.61997956.6675356949.6775.5060.000182997856.85181.61997766.0574358993.0174.5270.000172997675.24171.60997589.4473361226.9773.5380.000171997503.64170.57997418.3672363637.5372.5490.000177997333.07176.53997244.8171366219.1771.56100.000187997156.54186.47997063.3170368974.3670.57110.000202996970.07201.39996869.3869371911.0669.58120.00022996768.68219.29996659.0468375041.6868.60130.00024996549.40239.17996429.8167378382.6467.61140.000261996310.22260.04996180.2166381952.8366.63150.00028996050.19278.89995910.7465385772.6265.65160.000298995771.29296.74995622.9264389861.8864.66170.000315995474.55313.57995317.7763394238.9663.68180.000331995160.98329.40994996.2862398921.2062.70190.000346994831.58344.21994659.4761403924.9261.72200.000361994487.37359.01994307.8660409265.4460.74210.000376994128.36373.79993941.4659414957.5859.77220.000392993754.57389.55993559.7958421016.1258.79230.000409993365.01406.29993161.8757427456.3357.81240.000428992958.73424.99992746.2456434294.4556.83250.000448992533.74444.66992311.4155441548.2255.86260.000471992089.09467.27991855.4554449236.8054.88270.000497991621.81492.84991375.3953457381.3553.91280.000526991128.98521.33990868.3152466005.9652.94290.000558990607.64552.76990331.2651475137.6551.96300.000595990054.88589.08989760.3450484806.3950.99310.000635989465.80628.31989151.6549495046.0450.02320.000681988837.49673.40988500.7948505894.4049.05330.000732988164.09723.34987802.4247517393.6148.09340.000788987440.76778.10987051.7046529591.1847.12350.00085986662.65838.66986243.3245542539.4846.16360.000919985823.99905.97985371.0044556296.1645.20生存人年数非养老类业务二表男CL3370.000995984918.02979.99984428.024*******.1544.24 380.001078983938.021060.69983407.6842586497.1343.28 390.00117982877.341149.97982302.3641603089.4542.33 400.00127981727.371246.79981103.9840620787.1041.38 410.00138980480.581353.06979804.0539639683.1240.43 420.0015979127.521468.69978393.1738659879.0839.48 430.001631977658.821594.56976861.5437681485.9138.54 440.001774976064.261731.54975198.4936704624.3637.60 450.001929974332.721879.49973392.9835729425.8736.67 460.002096972453.242038.26971434.1134756032.8935.74 470.002277970414.972209.63969310.1633784598.7834.81 480.002472968205.342393.40967008.6432815288.6333.89 490.002682965811.942590.31964516.7831848279.9932.98 500.002908963221.632801.05961821.1030883763.2132.06 510.00315960420.583025.32958907.9229921942.1031.16 520.003409957395.263263.76955763.3728963034.1930.25 530.003686954131.493516.93952373.0328007270.8129.35 540.003982950614.573785.35948721.8927054897.7828.46 550.004297946829.224068.53944794.9626106175.8927.57 560.004636942760.694370.64940575.3725161380.9326.69 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o00.0004531000000.00453.00999773.5088131288.7988.1310.000289999547.00288.87999402.5787131515.2987.1720.000184999258.13183.86999166.2086132112.7386.2030.000124999074.27123.89999012.3285132946.5385.2140.000095998950.3894.90998902.9384133934.2084.2250.000084998855.4883.90998813.5383135031.2783.2360.000078998771.5877.90998732.6382136217.7482.2470.000074998693.6773.90998656.7281137485.1281.2480.000072998619.7771.90998583.8280138828.3980.2590.000072998547.8771.90998511.9279140244.5779.26100.000074998475.9773.89998439.0378141732.6578.26110.000077998402.0976.88998363.6577143293.6277.27120.00008998325.2179.87998285.2876144929.9776.27130.000085998245.3484.85998202.9275146644.6975.28140.00009998160.4989.83998115.5874148441.7874.29150.000095998070.6694.82998023.2573150326.2073.29160.0001997975.8499.80997925.9472152302.9572.30170.000105997876.04104.78997823.6671154377.0171.31180.00011997771.27109.75997716.3970156553.3570.31190.000115997661.51114.73997604.1569158836.9669.32200.00012997546.78119.71997486.9368161232.8168.33210.000125997427.08124.68997364.7467163745.8867.34220.000129997302.40128.65997238.0766166381.1566.35230.000134997173.75133.62997106.9465169143.0765.35240.000139997040.12138.59996970.8364172036.1464.36250.000144996901.54143.55996829.7663175065.3163.37260.000149996757.98148.52996683.7262178235.5562.38270.000154996609.47153.48996532.7361181551.8361.39280.00016996455.99159.43996376.2760185019.1060.40290.000167996296.55166.38996213.3659188642.8359.41300.000175996130.17174.32996043.0158192429.4658.42310.000186995955.85185.25995863.2357196386.4557.43320.000198995770.60197.16995672.025*******.2356.44330.000213995573.44212.06995467.4155204851.2155.45340.000231995361.38229.93995246.4254209383.8054.46350.000253995131.45251.77995005.5753214137.3853.47360.000277994879.69275.58994741.8952219131.8152.49370.000305994604.10303.35994452.4351224389.9151.50380.000337994300.75335.08994133.2150229937.4950.52390.000372993965.67369.76993780.7949235804.2749.53养老类业务表女CL6生存人年数。

寿险-分级分类-中级考试模拟测试（一）一、单选题（每题2分）您的姓名： [填空题] *_________________________________工号： [填空题] *_________________________________部门： [填空题] *_________________________________营服： [填空题] *_________________________________1、保单的毛保费是保险公司为维持保单有效而向保单所有人收取的保费，它等于（） [单选题] *A.净保费加上附加保费(正确答案)B.净保费减去附加保费C.附加保费减去净保费D.附加保费乘以净保费2.某公司推出一款健康险产品，该产品只对因疾病住院而发生的医疗费用提供保障，并列明了可以保障的10项住院医疗费用，设立了1000元的免赔额和90天的等待期，按累计比例计算保险金给付，该保险为（） [单选题] *A.失能收入损失保险B.护理保险C.定额给付型医疗保险D.费用补偿型医疗保险(正确答案)3、（）是以在金融机构对自然人进行贷款时，债务人的信用作为保险标的的信用保险，它所承保的是金融机构由于债务人的违约而导致的风险。

[单选题] *A.银行信用保险B.商业信用保险C.个人贷款信用保险(正确答案)D.买方信用保险4、（）是由保单持有和控制，人们可以通过购买保单而成为公司的所有人并可以从公司得到红利，利润由公司的所有人共享。

[单选题] *A.股份保险公司B.再保险公司C.相互保险公司(正确答案)D.财产保险公司5、（）是在被保险人依法应负损害赔偿责任时，由保险人承担其赔偿责任的保费。

[单选题] *A.财产保险B.责任保险(正确答案)C.第三者险D.意外险6、（）是在被保证人的行为不行为致使被保险人（权利人）遭受经济损失时，由保险人来承担经济赔偿责任的保险。

[单选题] *A.信用保险B.责任保险C.行为保险D.保证保险(正确答案)7、（）主要包括信息的收集和整理、风险的识别与分析、承保的抉择与实施等步骤。

寿险-分级分类-高级考试模拟测试（四）初中高考试，逢考必过！工号保卫战，百战百胜！您的部门： [单选题] *○光辉部○骉腾部○英杰部○锦鋕部○智慧部○新锐部○志炫部您的姓名： [填空题] *_________________________________一、单选题（每题2分）1、从国际上看，保险公司的主要组织形式（） [单选题] *A 劳合社B 股份有限公司和相互保险公司(正确答案)C 劳合社和股份有限公司D 国有保险公司和股份有限公司2、个人和家庭保险需求的影响因素不包括（） [单选题] *A 社会关系因素B 风险态度因素C 文化背景因素D 市场环境因素(正确答案)3、股份保险公司的权力机构为（），相互保险公司则是社员大会。

[单选题] *A 社员代表大会B 董事会C 股东大会(正确答案)D 理事会4、厘定人身意外伤害保险费率是的主要参考因数是（） [单选题] *A 年龄B 利率C 健康状况D 职业工种(正确答案)5、投资连结保险中承担投资风险是（） [单选题] *A 投保人(正确答案)B 保险公司C 投保人和保险公司双方D 代理人6、在设定风险管理目标时,重点强调( )之间的平衡 [单选题] *A 成本与收益B 损失与收益C 风险与损失D 风险与收益(正确答案)7、以下不属于意外伤害保险产品带来的支出的是（）。

[单选题] *A 再保险费用B 再保险理赔摊回(正确答案)C 预期的理赔金额D 退保金额及费用8、根据《保险法》规定，企业财产保险中，保险事故发生后，被保险人为防止或者减少保险标的损失所支付的必要的、合理的费用，由（）承担。

[单选题] *A 保险人(正确答案)B 被保险人C 保险人与被保险人共同D 被保险人补缴部分保费后，保险人承担9、根据我国《保险法》的规定，人身保险合同保险利益的确定方式是（）。

[单选题] *A 限制家庭成员关系范围并结合被保险人同意(正确答案)B 必须具有经济利益关系C 必须具有婚姻关系D 必须具有血缘关系10、保险法规定，责任保险的被保险人给第三者造成损害，被保险人未向第三者赔偿的，保险人（）向被保险人赔偿保证金 [单选题] *A 可以B 不得(正确答案)C 根据被保险人的请求D 自行决定是否11、保险企业社会责任是指保险企业立足于（），通过保险产品、服务以及其他非经济手段平衡、协调相关者利益，从而增进公共利益的行为。

中国保险监督管理委员会关于发布《中国人身保险业重大疾病经验发生率表(2006－2010)》的通知文章属性•【制定机关】中国保险监督管理委员会(已撤销)•【公布日期】2013.10.31•【文号】保监发[2013]81号•【施行日期】2013.10.31•【效力等级】部门规范性文件•【时效性】失效•【主题分类】保险正文中国保险监督管理委员会关于发布《中国人身保险业重大疾病经验发生率表（2006－2010）》的通知（保监发〔2013〕81号）各人身保险公司：现发布《中国人身保险业重大疾病经验发生率表（2006－2010）》。

有关说明如下：一、中国第一张人身保险业重大疾病经验发生率表命名为《中国人身保险业重大疾病经验发生率表（2006－2010）》，英文名称为“China Life Insurance Experienced Critical Illness Table（2006－2010）”，简称“CI（2006－2010）表”。

其中，6病种经验发生率表两张，25病种经验发生率表两张，分别为：1.6病种经验发生率男表，简称CI1（2006－2010）；2.6病种经验发生率女表，简称CI2（2006－2010）；3.25病种经验发生率男表，简称CI3（2006－2010）；4.25病种经验发生率女表，简称CI4（2006－2010）。

二、6病种是指根据中国保险行业协会颁布的重大疾病有关定义所规定的第1－6种重大疾病，即恶性肿瘤、急性心肌梗塞、脑中风后遗症、重大器官移植术或造血干细胞移植术、冠状动脉搭桥术（或称冠状动脉旁路移植术）和终末期肾病（或称慢性肾功能衰竭尿毒症期）。

25病种是指根据中国保险行业协会颁布的重大疾病有关定义所规定的全部25种重大疾病。

三、ix是指重大疾病的经验发生率。

kx是指在包含重大疾病保险责任的人身保险产品中，因患重大疾病死亡的人数占全部死亡人数的比率。

附件：中国人身保险业重大疾病经验发生率表（2006－2010）中国保监会2013年10月31日附件：中国人身保险业重大疾病经验发生率表（2006－2010）。

14秋学期《人身保险》在线作业
一,单选题
1. 人身保险的作用之一是它可以作为一种投资手段。

下列人身保险中，可以作为投资手段的是()。

A. 医疗费用保险
B. 意外伤害保险
C. 投资连接保险
D. 重大疾病保险
?
正确答案：C
2. 在人身意外伤害保险实务中，对于被保险人在运动中受到的“意外伤害”，通常被列为()。

A. 一般可保意外伤害
B. 不可保意外伤害
C. 条件可保意外伤害
D. 特约可保意外伤害
?
正确答案：D
3. 按照投保动因分类，人身意外伤害保险的种类包括（）等。

A. 自愿意外伤害保险和强制意外伤害保险
B. 单纯意外伤害保险和附加意外伤害保险
C. 商业意外伤害保险和社会意外伤害保险
D. 普通意外伤害保险和特定意外伤害保险
?
正确答案：A
4. 下列（）险种的保险费率最高。

A. 定期死亡寿险
B. 终身死亡寿险
C. 生存保险
D. 生死两全保险
?
正确答案：D
5. 人身保险分为强制保险和自愿保险。

这种划分的分类标准是()。

A. 实施方式
B. 投保方式
C. 保险金给付方式
D. 保单利益的归属
?
正确答案：A。

中国银保监会办公厅关于印发普通型人身保险精算规定的通知为进一步完善人身保险精算制度体系，保护保险消费者合法权益，推动人身保险市场高质量发展，银保监会制定了《普通型人身保险精算规定》，现印发给你们，并就有关事项通知如下：一、保险公司新开发的普通型人身保险产品应按照本通知要求执行。

在本通知印发前已审批或备案的普通型人身保险产品可以继续销售，但应按照本通知要求提取责任准备金。

二、《关于下发有关精算规定的通知》(保监发〔1999〕90号）及《关于普通型定期寿险、普通型终身寿险费率厘定等有关问题的通知》(保监发〔2010〕33号）同时废止。

2020年1月21日普通型人身保险精算规定第一部分适用范围一、本规定适用于普通型人身保险，包括人寿保险、年金保险、健康保险和意外伤害保险。

第二部分保险金额二、个人普通型人寿保险和个人护理保险产品，死亡保险金额或护理责任保险金额与累计已交保费的比例应符合以下要求：其中，到达年龄是指被保险人原始投保年龄加上当时保单年度数，再减去1后所得到的年龄。

个人普通型人寿保险的死亡保险责任至少应当包括疾病身故保障责任和意外身故保障责任。

三、对于保额递减的个人定期寿险，上述比例使用保险期间内的平均死亡保险金额计算，平均死亡保险金额按照保险期间内各保单年度死亡保险金额的算术平均计算。

第三部分保险费四、保险公司厘定保险费，应当符合一般精算原理，采用公平、合理的定价假设。

五、保险公司厘定保险费的计算基础：（一）预定利率保险期间一年以上的产品，保险公司在厘定保险费时，应根据公司历史投资回报率经验和对未来的合理预期及产品特性按照审慎原则确定预定利率。

（二）预定发生率保险公司在厘定保险费时，应以公司实际经验数据和行业公开发布的经验发生率表等数据为基础，同时考虑未来的趋势和风险变化，按照审慎原则确定预定发生率。

（三）预定附加费用率保险公司在厘定保险费时，各保单年度的预定附加费用率由保险公司自主设定，但平均附加费用率不得超过下表规定的上限。