问题如下图：
选项：
A. 
B. 
C. 
解释：
为什么这道题不需要减去20年后的cash value？
包包_品职助教 · 2019年11月28日
嗨，爱思考的PZer你好：
这道题目是计算The net payment cost index ，计算ØThe net payment cost index 我们是假设这个人是在第20年死了的情况下，保险的净费用，这种情况下我们不会收到cash value，所以不用减去
在计算ØThe surrender cost index 的时候我们需要减去cash value 。the surrender cost index 我们是假设这个人是在第20年放弃保单的情况下，保险的净费用，这种情况下我们会收到cash value，所以需要减去
-------------------------------加油吧，让我们一起遇见更好的自己！
NO.PZ201704060100000207 问题如下 The net payment cost inx thBlanc shoulcalculate is closest to: $17.48. $20.00. $20.19. C is correct. The net payment cost inx assumes ththe insurewill e the enof a specifieperioin this case, the given life expectanof 20 years. Calculating the net payment cost inx inclus the following steps. 什么情况是要考虑cash value的折现值呢？
NO.PZ201704060100000207问题如下 The net payment cost inx thBlanc shoulcalculate is closest to: $17.48. $20.00. $20.19. C is correct. The net payment cost inx assumes ththe insurewill e the enof a specifieperioin this case, the given life expectanof 20 years. Calculating the net payment cost inx inclus the following steps. 老师你好，这个题目在哪里有讲解？不是很会计算
NO.PZ201704060100000207问题如下 The net payment cost inx thBlanc shoulcalculate is closest to: $17.48. $20.00. $20.19. C is correct. The net payment cost inx assumes ththe insurewill e the enof a specifieperioin this case, the given life expectanof 20 years. Calculating the net payment cost inx inclus the following steps. the net payment cost inx (per $1,000 of favalue, per year),老师想问下“per $1,000 of favalue,”是什么意思？谢谢
NO.PZ201704060100000207 The net payment cost inx thBlanc shoulcalculate is closest to: $17.48. $20.00. $20.19. C is correct. The net payment cost inx assumes ththe insurewill e the enof a specifieperioin this case, the given life expectanof 20 years. Calculating the net payment cost inx inclus the following steps. 计算什么的都好说，我就是很迷惑这个net payment cost inx的中文含义是什么？ 当我们计算出了倒数第二步，得到10095，不就已经得到每年年初要支付的真实成本了么，为什么还要狗尾续貂vi the number of thousanllars of favalue？ 另外，favalue=500'000的保单到底是什么意思啊，是说客户一死，就赔付这么多钱么？
NO.PZ201704060100000207 $20.00. $20.19. C is correct. The net payment cost inx assumes ththe insurewill e the enof a specifieperioin this case, the given life expectanof 20 years. Calculating the net payment cost inx inclus the following steps. 没找到cash value的定义