The actuarial formula of purepremium of the whole life insurance is discussed, as discount factor is random.
在贴现因子为随机的条件下，给出终身寿险纯保费的精算公式。
2
When calculating the purepremium and theory premium reserve in life insurance, the mortality is usually bases on life table, and the interest rate is usually fixed.
在人寿保险的纯保费及理论责任准备金的计算中，死亡率一般依据生命表，利息率一般采用固定利率。
3
The expected value principle to compute the purepremium, introducing risk factors into the bonus-malus system to calculate the posteriori premium of varied policy-holders.