LTI：人寿保险

在日常生活中，“Life Time Insurance”常被缩写为LTI，这种形式便于快速书写和使用，尤其是在商业文件或保险行业交流中出现频率较高。其对应的中文含义为“人寿保险”，是一种为被保险人提供终身保障的重要险种。

We obtain some results about the ruin probability and the expected life time of insurance company, which generalize the relative results in ruin model with no investment factor.
本文提出并讨论了含投资因素、红利分配因素的崩溃模型，得出了关于崩溃概率、保险公司的期望寿命的结论，这些结论推广了没有考虑投资因素的崩溃模型的相关结论。
Lasting is one obvious character of life insurance, during the long time, the time value of money makes interest risk become the central risk of life insurance.
人寿保险(LTI)最大的特点就在于它的长期性，在长达数十年的时间里，货币时间价值的作用使得利率风险成为寿险业务的主要风险来源。
From the laws and regulations of informing obligation of life insurance, the performing time, content, method and remission of informing obligation were analyzed, and its influence on life insurance contracts was further discussed.
从人身保险告知义务的法律规定入手，对告知义务履行的时间、内容、方式、免除等进行分析，从而进一步探讨对人身保险合同的影响。
However, since the life insurance is a long-term economic action, the factors of government policy and economic cycles may cause the interest rate to be uncertain during the time of insurance.
而寿险产品特有的长期性，使保险期间利率会因为政府调控、经济周期等多种宏观经济原因而波动。

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