The first is that whole life insurance accrues a cash value which can be paid out upon death or at a certain age .

首先是 整个 寿险累积的现金价值，可以支付时死亡，或在一定的年龄。

The actuarial formula of pure premium 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。

Under such an environment the whole Life Insurance industry is facing to two problems : one is in which ways the customers wanted to get the Life Insurance products and correlative services ;

在竞争日趋激烈、需求同益多样化和个性化的市场环境中， 整个 人寿 保险行业都面临这样两个问题：一是顾客希望通过什么样的途径获得人寿保险产品和服务；

Among the 56 companies China Life China Ping An and China Pacific occupy 70 % of the whole life insurance market .

在这56家 寿险公司中，中国人寿、中国平安和中国太保三家 寿险公司的市场份额占 整个 寿险市场份额的70%以上。

With the development and expansion of participating life insurance business the scale of participating life insurance reserves is increasing steadily and its position in the whole reserves of life insurance company is becoming more and more important .

随着分红保险业务的不断发展和扩大，分红保险责任准备金的规模也与日俱增，它在 寿险公司 整个责任准备金体系中的地位也越来越重要。

Results The procedure and method of calculating level premium rate in whole life hospital daily allowance insurance and hospital expense insurance are provided .

结果给出了长期和 终身住院津贴 保险平准保费的计算方法和长期住院费用保险平准保费的计算思路。