in chapter2, we establish the model of present value of benefits, which is fitted to two situations-single life situations and multiple life situation : where b ( t ) is a positive function, is force of interest accumulation function, i ( t ) is indicator function and t is the remaining life of the insured 第2章提出了具有一般形式的變額壽險的給付現(xiàn)值模型,適合于單生命狀態(tài)和多生命狀態(tài)兩種情形:其中b(t)為正值函數(shù),y(t)=t+?y(t)為息力累積函數(shù),i(t)為示性函數(shù)。t為被保險人的余壽。