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说起保险,我有一个震惊世界的大疑问

noexit (省油的灯)
保险经纪告诉我,35岁起保30万的话每月支付110元。按人均期望寿命75岁,所以算给付40年。

借用贷款的计算器,如果贷款30万40年,年息7%,月付1842.56.

*贷款是现在给你 *保险是死后给别人,所以:
每$1在40年后为(1+0.07)^40 = 14.97

1842.56/14.97 = 123.

保险公司还是亏本啊!!!会不会倒闭啊?
(#302144@0)
2001-12-18 -04:00
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