Suppose the insurance company predicts that there will be a death rate of 50w this year, but there is actually a death rate of 40w this year, which makes the claims prepared by the insurance company on duty higher than the actual amount, and the higher part is the dead difference.
2. Fee difference: refers to the difference between the current operating expenses of the insurance company and the operating expenses extracted from the premiums generated in the current period.
Suppose the insurance company is expected to invest 50w yuan for publicity this year, but actually it only spent 30w yuan for publicity, and the difference of 200,000 in the middle is the difference of handling fee.
3. Interest spread: Generally speaking, it refers to the difference between the capital cost of insurance business and the actual application income of insurance.
Suppose the insurance company predicts an annual income of 200w yuan this year and the actual income by the end of the year is 2.5 million yuan, then the difference between the two is 500,000 yuan, which is the spread.
Take an extreme example:
10 The customer bought 1 product A, and each customer paid 10000, and the insured amount was 12000.
1, one is expected to die by the end of the year.
2. It is estimated that the insurance company will spend 20,000 yuan and the investment income will be 40,000 yuan.
Therefore, it is estimated that by the end of the year, the fund balance will be10x10000-20000+40000 =120000, which is just paid to the person who hangs up. Trade payment balance