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粉红豹 · 2019年12月10日

问一道题:NO.PZ201704060100000302

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问题如下:

Based on the given assumptions and the data in Exhibit 1, the additional amount of life insurance coverage needed is closest to:

选项:

A.

A$0.

B.

A$331,267.

C.

A$2,078,101.

解释:

B is correct.

The additional amount of life insurance coverage needed is calculated as the dierence between the familys total financial needs and total capital available. Total financial needs are calculated as follows.

Capital needs are determined as the present value of an annuity due: growth rate = 3.5%, discount rate = 6.0%. Growth of payments is incorporated by adjusting the discount rate to account for the growth rate of earnings. As long as the discount rate is larger than the growth rate, the adjusted rate i can be calculated as follows: [(1 + Discount rate)/(1 + Growth rate)] – 1, or i = (1.06/1.035) – 1 = 2.42%.

这里的已有的life insurance为什么不考虑税的影响?

1 个答案

包包_品职助教 · 2019年12月11日

同学你好,大部分国家寿险都是不用交税的。在做题的时候,除非题目说明要交税,就按不交税处理。 例题考虑税是因为他默认的那个国家的寿险就是要交税的。

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