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. Balance of payments, but this is expected.
If two people die, the insurance company will pay 1.2 million, which is the difference between death and damage.
If zero people die, the insurance company will get 6.5438+0.2 million, which is the difference between death and excess.
If the actual cost is 1 10,000, the insurance company earns 1 10,000, which is the fee difference.
If the actual cost is 30,000 yuan, the insurance company will lose 1 10,000 yuan, that is, the cost difference loss.
If the actual investment income is 60,000 and the insurance company earns 20,000, it is the spread spillover.
If the actual investment income is 20,000 and the insurance company loses 20,000, it is the spread loss.