f**g
发帖数: 18 | 1 For group life insurance, the charged premium is established by calculating
the manual claim rate and then adding the appropriate expense, profit and
risk margin. How about the commission fee? If there is commission fee for
the broker, should the monthly premium = (the expected monthly claim cost
+profit or expense +commission fee)/face amount.
Thank you! |
I**R
发帖数: 1309 | 2 what does ur appropriate expense include?
calculating
cost
【在 f**g 的大作中提到】
: For group life insurance, the charged premium is established by calculating
: the manual claim rate and then adding the appropriate expense, profit and
: risk margin. How about the commission fee? If there is commission fee for
: the broker, should the monthly premium = (the expected monthly claim cost
: +profit or expense +commission fee)/face amount.
: Thank you!
|
s*******0
发帖数: 3461 | 3 你的费用里面有包含 commission fee for brokers 这一项么？
主要看你们的费用构成 改加就加 不该加 就不加 按照我的观点 费用应该是包含了
commision fee 了 |
f**g
发帖数: 18 | 4 So if calculating PV of liability, I should include all the future benefit
payment and expense (commission included), right? I can't quite understand
the "liability".
Thanks
【在 s*******0 的大作中提到】
: 你的费用里面有包含 commission fee for brokers 这一项么？
: 主要看你们的费用构成 改加就加 不该加 就不加 按照我的观点 费用应该是包含了
: commision fee 了
|
s*******0
发帖数: 3461 | 5 关键就是和 ibnr说的一样 appropriate expense 里面包含了 commision fee 了吗
我觉得一般情况是是包含的 |
