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CN-121998772-A - Longevity insurance business processing method, device, equipment and storage medium based on sub-equilibrium hair premium fine calculation algorithm

CN121998772ACN 121998772 ACN121998772 ACN 121998772ACN-121998772-A

Abstract

The invention provides an insurance business processing method, device, equipment and storage medium based on a sub-equilibrium Mao Baofei algorithm, which are used for realizing the automatic processing from parameter input, accurate modeling and algorithm calculation to policy generation of an insurance product through embedding an innovative sub-equilibrium hair premium accurate calculation algorithm in an insurance business processing system, and the core invention is to construct an insurance conversion function model under the constraint of a life insurance responsibility preparation policy, perform sectional modeling and dynamic conversion on first year Mao Baofei and non-first year hair insurance, and realize the method through program codes, thereby eliminating the defect that the traditional algorithm cannot guarantee that the life insurance responsibility preparation policy must be combined and calculated, and effectively reducing the payment burden of an insurance applicant in the subsequent year. The algorithm system has the advantages of high efficiency, occupied computing resources saving and low underwriting cost, and can reduce the leakage risk of policy information through online operation. The invention is suitable for all life insurance products, and can realize maximization of guarantee capability, optimization of anti-risk performance and intelligentization of business operation.

Inventors

  • XIONG FUSHENG
  • TAN YUNQING

Assignees

  • 熊福生
  • 谭韵清

Dates

Publication Date
20260508
Application Date
20251231

Claims (10)

  1. 1. The utility model provides a life insurance business processing method based on sub-equilibrium hair premium calculation algorithm, which is characterized in that the method comprises the following steps: receiving a life insurance product purchase request sent by a client, wherein the purchase request at least comprises insurance information corresponding to the life insurance product, delay time and insurance information of an insured person; based on the insurance information, the delay period and the insurance application information, adopting a sub-equilibrium hair premium calculation algorithm to calculate equilibrium Mao Baofei of the first year Mao Baofei and the non-first year respectively; And generating an electronic policy according to the first-year hair premium and the non-first-year premium Heng Mao and feeding back to the client so as to complete the purchase of life insurance products.
  2. 2. The method of claim 1, wherein the sub-equilibrium hair premium refinement algorithm is configured to perform differential calculations on the first year hair premium and the renewal Mao Baofei on the premise of meeting the requirements for life insurance liability preparation.
  3. 3. The method according to claim 2, characterized in that: The sub-equilibrium hair premium calculation algorithm is as follows: The first year hair premium is obtained using the following formula: Wherein, the Representing sub-equilibrium Mao Baofei, C representing annual equilibrium full premium, P representing associated insurance policy which is the sum of annual actual pay insurance policy, nuclear pay, annual pay management, L representing the insured life of the insured, n representing the delay period as well as the payment period, m representing the annual pay number of annual pay periods for the annual pay period, b representing the annual policy holding cost for the successive years during the delay period, k representing the second return point ratio, Representing the second refined present value, Represents a third refined present value of the current value, Representing first year Mao Baofei, Y representing the first year insurance expense, and R representing the first return point proportion; The second refined current value is a refined current value which is paid by the applicant according to the last payment of one unit amount per year, continuously paying the delay period and removing the last year, and the third refined current value is a refined current value which is paid by the applicant for one unit amount per year in a period of m equal to each year after the delay period is applied, and is paid for one time per period at first, and is paid for the lifetime of the delay period.
  4. 4. The method of claim 2, wherein the annual average flat premium is formulated as follows: wherein C represents annual balanced pure premium, P represents associated insurance policy, n represents delay period as well as payment period, L represents insurance age of insured person, m represents annual payment times of annual policy payment period, Represents a third refined present value of the current value, Representing a first refined present value. The first refined current value is a refined current value of an applicant for paying an amount of premium per year and continuously paying a delay period according to initial payment per year.
  5. 5. The method of claim 2, further comprising setting an age range according to the applied age and a preset limiting life age, acquiring insured person number data of a corresponding age range, and calculating a first refined value, a second refined value and a third refined value using the applied age, the delay period and the annual payment number, thereby realizing the intellectualization of the refined process.
  6. 6. The method of claim 2, wherein the first refined current value is calculated using the formula: The second refined current value is calculated by adopting the following formula: the calculation formula of the third refined current value is as follows: The following formula is adopted: the following formula is adopted: ; Wherein, the Representing a first refined present value of the current value, Representing a second refined present value of the current value, The third refined present value is represented, n represents the delay period and also the payment period, L represents the insurance coverage age of the insured person, Indicating a preset life-limiting age of the insured life, A total conversion function representing the insured life from the insured life age to the limiting life age, A scaling function representing the insured life at the time of the application, A conversion function indicating the age of the insured after completion of the payment of the delay period, Representing the total conversion function of the insured life from the completion of the deferred period payment to the end life age, i representing the preset annual interest rate, m representing the annual payment times at the annuity pay period, Representing the number of insured persons who are insuring for the age of L.
  7. 7. The method according to claim 1, wherein the method further comprises: After detecting that the applicant completes purchasing, generating a policy time axis comprising payment and annuity payment nodes, and uploading the policy time axis to a blockchain in a transaction chain mode; when payment or payment completion is detected, corresponding completion information is recorded to the blockchain and associated with the policy timeline, thereby realizing on-chain intelligent management of insurance transactions.
  8. 8. A life insurance business processing device based on a sub-equilibrium hair premium calculation algorithm, the device comprising: The receiving module is used for receiving a life insurance product purchase request sent by the client, wherein the purchase request at least comprises insurance information corresponding to the life insurance product, delay time and insurance information of an insured person; the computing module is used for respectively computing first year Mao Baofei and non-first year equilibrium Mao Baofei by adopting a sub-equilibrium hair premium fine computing algorithm based on the insurance information, the delay period and the insurance application information; And the generation module is used for generating an electronic policy according to the first-year hair premium and the non-first-year premium Heng Mao and feeding back the electronic policy to the client so as to complete the purchase of life insurance products.
  9. 9. A computer readable storage medium storing a computer program, which when executed by a processor causes the processor to perform the steps of the method according to any one of claims 1 to 7.
  10. 10. A computer comprising a memory and a processor, wherein the memory stores a computer program which, when executed by the processor, causes the processor to perform the steps of the method of any of claims 1 to 7.

Description

Longevity insurance business processing method, device, equipment and storage medium based on sub-equilibrium hair premium fine calculation algorithm Technical Field The invention relates to the field of intersection of insurance fine calculation and computer technology, in particular to a life insurance business processing method, a life insurance business processing device, life insurance business processing equipment and a life insurance business storage medium based on a sub-equilibrium hair premium fine calculation algorithm. Background In the prior art, the purchasing mode of life insurance products is mainly finished by manual offline service. Although this approach can provide face-to-face information consultation and application guidance, there are a number of shortcomings in practical applications. For example, online purchase usually requires sales personnel to repeatedly contract with clients for interviews, and the clients information is collected in the interview process and then input into the system to complete the insurance application operation, so that the whole process is complicated, the efficiency is low, and convenience and flexibility of purchasing life insurance products are severely limited. Meanwhile, the customer often needs to know key accurate calculation information of the insurance policy in advance in the insurance application process, such as premium amount to be paid in each year in life insurance, the information usually needs to be calculated by other personnel after the sales personnel collect the customer data, the calculation period is long, the risk that the personal information of the customer is contacted and leaked by multiple parties is inevitably increased in the process, and the personal information security protection is not facilitated. In addition, in view of the convenience of calculation, a calculation mode of balancing the hair premium is generally adopted in the existing offline sales mode to show the premium paid in each year to the customer. However, the method is easy to cause the actual liability preparation cost of a plurality of periods before the payment period to be lower than the payable liability preparation cost, so that the insurance company faces potential risks in terms of liability preparation cost compliance, and other premium calculation methods capable of meeting the requirements of the liability preparation cost are complex in calculation process, high in system resource requirement, long in calculation time, difficult to complete in real time in a purchasing link, unsuitable for being applied to traditional offline purchasing scenes, and further influence customer experience. Therefore, the existing life insurance product purchasing mode generally has the problems of complex flow, insufficient flexibility, low personal information security and difficulty in realizing the premium computing mode on the premise of controllable risk and no influence on user experience, and a life insurance product purchasing technical scheme which has the advantages of good compliance, high computing efficiency and good user experience is needed. Disclosure of Invention In view of the shortcomings of the prior art, the main object of the present invention is to provide a method, a device and a storage medium for processing life insurance business based on a sub-equilibrium hair premium calculation algorithm. By combining the life insurance fine calculation model with the computer programming realization, the sub-equilibrium calculation of equilibrium Mao Baofei between the first year Mao Baofei and the non-first year is realized on the premise of meeting the requirement of life insurance responsibility preparation gold compliance, so that the purchasing process of life insurance products is simplified, the purchasing convenience and flexibility are improved, the personal information leakage risk is reduced, and the user experience is obviously improved while the computing efficiency is ensured. In order to achieve the above object, a first aspect of the present invention provides a life insurance service processing method based on a sub-equilibrium hair premium calculation algorithm, the method comprising: receiving a life insurance product purchase request sent by a client, wherein the purchase request at least comprises insurance information corresponding to the life insurance product, delay time and insurance information of an insured person; based on the insurance information, the delay period and the insurance application information, adopting a sub-equilibrium hair premium calculation algorithm to calculate equilibrium Mao Baofei of the first year Mao Baofei and the non-first year respectively; And generating an electronic policy according to the first-year hair premium and the non-first-year premium Heng Mao and feeding back to the client so as to complete the purchase of life insurance products. Optionally, the sub-equilibrium hair premium calcula