本课程主要讲授人寿保险的费率厘定和准备金评估的基本原理和预定利率及生命表函数的变动对费率和准备金的影响。主要内容包括：生命表和换算表的编制；不同险种的精算现值、期缴净保费的计算；不同险种在各个时点的准备金的计算；保险人在承保后的保险期限内各时点损失量的评估等内容。通过教学使学生掌握人寿保险净保费和净准备金的计算公式以及批量计算的技术，为后续的专业实践和就业打下基础。
This course focuses on the basic principles of life insurance rate determination and reserve assessment and the impact of changes in scheduled interest rates and life table functions on rates and reserves. The main contents include: the compilation of life table and conversion table; the calculation of actuarial present value of different kinds of insurance, the net premium paid in time; the calculation of reserve of different kinds of insurance at each time point. Through teaching, students can master the formula of life insurance net premium and net reserve and the technology of batch calculation, which will lay the foundation for the subsequent professional practice and employment.