Insurance Rate Methods保险费率的方法

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The price of insurance depends ultimately on the risk the insurer is taking on on behalf of the customer.价格最终取决于保险公司的风险保险是对代表的客户。 Simply put, this will depend on the chance of the insured event occurring, and the likely cost of the outcome.简而言之，这将取决于机会的投保事件发生，可能成本的结果。 The way insurers calculate this risk, and quantify the amount of the premium, is through the use of what is known as actuarial science.保险公司的方式计算这种风险，并量化数额的保险费，是利用所谓精算学。 Using certain probability and statistical mathematical models, the insurance company can predict with a fair degree of accuracy, the approximate cost of future claims.用一定的概率和统计数学模型，保险公司可以预测有相当程度的准确性，大致成本的未来要求。

For example, supposing a someone wishes to insure their $100,000 home against fire.举例来说，假如一人愿，以确保他们的$ 100000家庭预防火灾。 For argument's sake, lets assume that 1 in a 1000 homes in this area burn down every year.对于论点的缘故，可以假设， 1 1000家在这方面烧毁每年。 This would mean that just to break even, on the mathematical model, the insurance company would have to charge $100 a year for the premium.这就意味着，刚刚实现盈亏平衡，数学模型，保险公司将收取100美元，一年的保费。 What the insurance company will in fact do is charge something more than $100, say $120.哪些保险公司实际上做的是一些收费超过100美元， 120美元说。 This extra $20 will cover the overhead costs of the insurance company's operation.这额外的20美元将用于支付的间接费用保险公司的运作。 It will also cover an amount for profit of the insurance company.它也将涵盖一笔利润保险公司。 The only other way the insurance company generates profits is by investing all the policy premiums it is paid.唯一的其他保险的方式产生利润的公司是所有投资的政策是保费支付。 That way, all the premiums earn interest, or investment returns, while they are in the possession of the insurance company.这样一来，所有的保费利息，或投资回报，但它们所拥有的保险公司。 While this method represents a significant income for the insurance company, the majority of insurance company's funds do actually come from the payment of premiums.虽然这种方法的一个重要收入的保险公司，大多数保险公司的资金确实来自支付保险费。

It has been argued that those who pay premiums and do not have to make a claim lose out by effectively wasting their unused premium.有人认为，这些谁支付保险费，也没有提出索赔失去了有效的闲置浪费保费。 In this sense, the insurance industry can not be held to produce any net gain for society, and therefore, the huge profits they generate are unwarranted.从这个意义上讲，保险业不能举行出示任何净收益为社会，因此，巨大的利润，他们创造的没有道理的。 Defenders of insurance companies however claim that the peace of mind they offer to all their customers is a significant societal benefit which they provide.捍卫但是保险公司索赔，和平的心态，他们提供给所有的客户是一个重大的社会效益提供了他们。 Simply knowing that you will be compensated if disaster strikes you is worth something to people, even if the disaster never strikes.只要知道你会得到补偿，如果灾难降临你的东西是值得的人，即使没有灾害袭击。

The funds the insurance company holds, from premiums that have not been claimed for payouts, is called its float.这些资金的保险公司持有，从保费，但没有索赔的支出，是所谓的自由浮动。 Massive profits can be generated from the float alone.大规模的利润可以产生从单独浮动。 While losses are just as possible as gains with all investments, the profits made from insurance company floats, for the five years ending 2003, was $68.4 billion.虽然损失的只是尽可能收益与所有的投资，利润由保险公司的花车，这五年来结束2003年，是684亿美元。 In the same period, insurance companies paid out $142.3 billion in insurance claims.在同一时期，保险公司支付了一千四百二十三点零亿美元在保险索赔。 Some do not believe that the insurance industry will be able to sustain itself for ever on profits generated by the float and so predict large premium rises for the future.有些不相信，保险业将能够维持自己的以往所产生的利润浮动，因此预测大的溢价上升的未来。

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