Materia: Teora Actuarial de los Seguros Personales

Clase Prctica del 15/06/2011

Ejercicio N 4
Prima Bimestral
Gastos
TNA
CA en caso de muerte

$ 1,000.00
$ 0.00
15% capitalizacion mensual
$ 50,000.00

DESARROLLO DE LA CUENTA CON BF = CA ( pago suma fija en caso de produ

Edad
35
35

Saldo al inicio
$ 8,000.00
$ 9,211.70

Aporte
$ 1,000
$ 1,000

DESARROLLO DE LA CUENTA CON BF = CA + SCI

Edad
35
35

Saldo al inicio
$ 8,000.00
$ 9,208.38

Aporte
$ 1,000.00
$ 1,000.00

SUPUESTO
italizacion mensual

12

Tasa efectiva mensual

Tasa efectiva bimestral
SUPUESTO DUF

fija en caso de producirse el fallecimiento)

CSV
Inters del perodo Saldo al final
$ -14.34
$ 226.05 $ 9,211.70
$ -13.91
$ 256.54
###
supuesto duf

CSV
Inters del perodo Saldo al final
$ -17.58
$ 225.96 $ 9,208.38
$ -17.58
$ 256.36
###

Check intereses
$8,985.66
$10,197.79

0.0125
0.02515625

Check intereses
226.045412
256.538271

0
0

Materia: Teora Actuarial de los Seguros Personales

Clase Prctica del 15/06/2011

raiz de la tabla
tasa de interes

10,000,000
0.04

x
0
1
2
3
4
5
6

q(x;0;1)
0.00418
0.00107
0.00099
0.00098
0.00095
0.0009
0.00086

p(x;1)
0.99582
0.99893
0.99901
0.99902
0.99905
0.9991
0.99914

l(x)
10,000,000
9,958,200
9,947,545
9,937,697
9,927,958
9,918,526
9,909,599

d(x)
41,800
10,655
9,848
9,739
9,432
8,927
8,522

vx
1.0000000
0.9615385
0.9245562
0.8889964
0.8548042
0.8219271
0.7903145

7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36

0.0008
0.00076
0.00074
0.00073
0.00077
0.00085
0.00099
0.00115
0.00133
0.00151
0.00167
0.00178
0.00186
0.0019
0.00191
0.00189
0.00186
0.00182
0.00177
0.00173
0.00171
0.0017
0.00171
0.00173
0.00178
0.00183
0.00191
0.002
0.00211
0.00224

0.9992
0.99924
0.99926
0.99927
0.99923
0.99915
0.99901
0.99885
0.99867
0.99849
0.99833
0.99822
0.99814
0.9981
0.99809
0.99811
0.99814
0.99818
0.99823
0.99827
0.99829
0.9983
0.99829
0.99827
0.99822
0.99817
0.99809
0.998
0.99789
0.99776

9,901,077
9,893,156
9,885,638
9,878,322
9,871,111
9,863,510
9,855,126
9,845,370
9,834,048
9,820,968
9,806,139
9,789,762
9,772,337
9,754,160
9,735,627
9,717,032
9,698,667
9,680,627
9,663,009
9,645,905
9,629,218
9,612,752
9,596,410
9,580,000
9,563,427
9,546,404
9,528,934
9,510,734
9,491,712
9,471,685

7,921
7,519
7,315
7,211
7,601
8,384
9,757
11,322
13,079
14,830
16,376
17,426
18,177
18,533
18,595
18,365
18,040
17,619
17,104
16,687
16,466
16,342
16,410
16,573
17,023
17,470
18,200
19,021
20,028
21,217

0.7599178
0.7306902
0.7025867
0.6755642
0.6495809
0.6245970
0.6005741
0.5774751
0.5552645
0.5339082
0.5133732
0.4936281
0.4746424
0.4563869
0.4388336
0.4219554
0.4057263
0.3901215
0.3751168
0.3606892
0.3468166
0.3334775
0.3206514
0.3083187
0.2964603
0.2850579
0.2740942
0.2635521
0.2534155
0.2436687

37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81

0.0024
0.00258
0.00279
0.00302
0.00329
0.00356
0.00387
0.00419
0.00455
0.00492
0.00532
0.00574
0.00621
0.00671
0.0073
0.00796
0.00871
0.00956
0.01047
0.01146
0.01249
0.01359
0.01477
0.01608
0.01754
0.01919
0.02106
0.02314
0.02542
0.02785
0.03044
0.03319
0.03617
0.03951
0.0433
0.04765
0.05264
0.05819
0.06419
0.07053
0.07712
0.0839
0.09105
0.09884
0.10748

0.9976
0.99742
0.99721
0.99698
0.99671
0.99644
0.99613
0.99581
0.99545
0.99508
0.99468
0.99426
0.99379
0.99329
0.9927
0.99204
0.99129
0.99044
0.98953
0.98854
0.98751
0.98641
0.98523
0.98392
0.98246
0.98081
0.97894
0.97686
0.97458
0.97215
0.96956
0.96681
0.96383
0.96049
0.9567
0.95235
0.94736
0.94181
0.93581
0.92947
0.92288
0.9161
0.90895
0.90116
0.89252

9,450,468
9,427,787
9,403,463
9,377,228
9,348,908
9,318,151
9,284,978
9,249,045
9,210,292
9,168,385
9,123,276
9,074,740
9,022,651
8,966,621
8,906,455
8,841,438
8,771,060
8,694,664
8,611,543
8,521,380
8,423,725
8,318,513
8,205,464
8,084,269
7,954,274
7,814,756
7,664,791
7,503,371
7,329,743
7,143,421
6,944,476
6,733,086
6,509,615
6,274,163
6,026,270
5,765,333
5,490,615
5,201,589
4,898,908
4,584,447
4,261,106
3,932,490
3,602,554
3,274,541
2,950,886

22,681
24,324
26,236
28,319
30,758
33,173
35,933
38,753
41,907
45,108
48,536
52,089
56,031
60,166
65,017
70,378
76,396
83,121
90,163
97,655
105,212
113,049
121,195
129,995
139,518
149,965
161,421
173,628
186,322
198,944
211,390
223,471
235,453
247,892
260,938
274,718
289,026
302,680
314,461
323,341
328,617
329,936
328,013
323,656
317,161

0.2342968
0.2252854
0.2166206
0.2082890
0.2002779
0.1925749
0.1851682
0.1780463
0.1711984
0.1646139
0.1582826
0.1521948
0.1463411
0.1407126
0.1353006
0.1300967
0.1250930
0.1202817
0.1156555
0.1112072
0.1069300
0.1028173
0.0988628
0.0950604
0.0914042
0.0878887
0.0845084
0.0812580
0.0781327
0.0751276
0.0722381
0.0694597
0.0667882
0.0642194
0.0617494
0.0593744
0.0570908
0.0548950
0.0527837
0.0507535
0.0488015
0.0469245
0.0451197
0.0433843
0.0417157

82
83
84
85
86
87
88
89
90
91
92
93
94
95
96
97
98

0.11725
0.12826
0.14025
0.15295
0.16609
0.17955
0.19327
0.20729
0.22177
0.23698
0.25345
0.27211
0.2959
0.32996
0.38455
0.4802
0.65798

0.88275
0.87174
0.85975
0.84705
0.83391
0.82045
0.80673
0.79271
0.77823
0.76302
0.74655
0.72789
0.7041
0.67004
0.61545
0.5198
0.34202

2,633,725
2,324,920
2,026,726
1,742,478
1,475,966
1,230,823
1,009,828
814,659
645,788
502,572
383,472
286,281
208,381
146,721
98,309
60,504
31,450

308,804
298,194
284,248
266,512
245,143
220,994
195,170
168,871
143,216
119,099
97,191
77,900
61,660
48,412
37,805
29,054
20,694

0.0401112
0.0385685
0.0370851
0.0356588
0.0342873
0.0329685
0.0317005
0.0304813
0.0293089
0.0281816
0.0270977
0.0260555
0.0250534
0.0240898
0.0231632
0.0222724
0.0214157

99

1.00000

0.00000

10,757

10,757

0.0205920

D(x)
10,000,000
9,575,192
9,197,064
8,834,576
8,486,460
8,152,306
7,831,700

N(x)
237,828,615
227,828,615
218,253,422
209,056,358
200,221,782
191,735,322
183,583,017

S(x)
5,049,848,386
4,812,019,772
4,584,191,157
4,365,937,734
4,156,881,376
3,956,659,594
3,764,924,272

vx+1
0.9615385
0.9245562
0.8889964
0.8548042
0.8219271
0.7903145
0.7599178

C(x)
40,192
9,851
8,755
8,325
7,752
7,055
6,476

M(x)
852,746
812,553
802,702
793,947
785,622
777,870
770,815

7,524,005
7,228,832
6,945,518
6,673,441
6,412,085
6,160,719
5,918,733
5,685,456
5,460,498
5,243,495
5,034,209
4,832,502
4,638,366
4,451,671
4,272,320
4,100,154
3,935,005
3,776,621
3,624,757
3,479,174
3,339,572
3,205,636
3,077,102
2,953,693
2,835,176
2,721,278
2,611,825
2,506,574
2,405,347
2,307,953

175,751,316
168,227,311
160,998,479
154,052,961
147,379,520
140,967,435
134,806,716
128,887,982
123,202,526
117,742,029
112,498,534
107,464,325
102,631,823
97,993,457
93,541,786
89,269,465
85,169,311
81,234,307
77,457,686
73,832,929
70,353,755
67,014,183
63,808,547
60,731,444
57,777,752
54,942,576
52,221,297
49,609,472
47,102,898
44,697,552

3,581,341,255
3,405,589,939
3,237,362,628
3,076,364,149
2,922,311,188
2,774,931,668
2,633,964,233
2,499,157,517
2,370,269,535
2,247,067,008
2,129,324,979
2,016,826,446
1,909,362,121
1,806,730,299
1,708,736,842
1,615,195,056
1,525,925,591
1,440,756,279
1,359,521,972
1,282,064,286
1,208,231,357
1,137,877,602
1,070,863,419
1,007,054,872
946,323,427
888,545,676
833,603,100
781,381,803
731,772,331
684,669,432

0.7306902
0.7025867
0.6755642
0.6495809
0.6245970
0.6005741
0.5774751
0.5552645
0.5339082
0.5133732
0.4936281
0.4746424
0.4563869
0.4388336
0.4219554
0.4057263
0.3901215
0.3751168
0.3606892
0.3468166
0.3334775
0.3206514
0.3083187
0.2964603
0.2850579
0.2740942
0.2635521
0.2534155
0.2436687
0.2342968

5,788
5,283
4,942
4,684
4,747
5,035
5,634
6,287
6,983
7,613
8,084
8,271
8,296
8,133
7,846
7,451
7,038
6,609
6,169
5,787
5,491
5,240
5,059
4,913
4,853
4,788
4,797
4,820
4,880
4,971

764,339
758,551
753,269
748,327
743,642
738,895
733,860
728,226
721,939
714,956
707,343
699,259
690,988
682,692
674,559
666,713
659,262
652,224
645,615
639,446
633,659
628,168
622,928
617,868
612,955
608,102
603,314
598,517
593,697
588,817

2,214,215
2,123,943
2,036,984
1,953,174
1,872,380
1,794,442
1,719,283
1,646,759
1,576,787
1,509,243
1,444,055
1,381,128
1,320,385
1,261,717
1,205,049
1,150,242
1,097,198
1,045,809
995,972
947,639
900,749
855,287
811,215
768,494
727,054
686,829
647,739
609,709
572,693
536,668
501,656
467,678
434,765
402,923
372,119
342,313
313,464
285,541
258,582
232,677
207,948
184,530
162,546
142,064
123,098

42,389,598
40,175,383
38,051,440
36,014,456
34,061,283
32,188,903
30,394,460
28,675,178
27,028,419
25,451,632
23,942,389
22,498,333
21,117,205
19,796,820
18,535,104
17,330,055
16,179,813
15,082,615
14,036,806
13,040,833
12,093,194
11,192,445
10,337,158
9,525,942
8,757,449
8,030,394
7,343,566
6,695,827
6,086,118
5,513,425
4,976,757
4,475,101
4,007,423
3,572,657
3,169,735
2,797,616
2,455,302
2,141,839
1,856,297
1,597,715
1,365,038
1,157,090
972,560
810,014
667,950

639,971,881
597,582,282
557,406,899
519,355,459
483,341,002
449,279,720
417,090,817
386,696,356
358,021,179
330,992,760
305,541,128
281,598,739
259,100,406
237,983,201
218,186,380
199,651,277
182,321,222
166,141,409
151,058,794
137,021,988
123,981,155
111,887,961
100,695,516
90,358,358
80,832,416
72,074,967
64,044,573
56,701,008
50,005,181
43,919,063
38,405,638
33,428,882
28,953,781
24,946,358
21,373,700
18,203,966
15,406,350
12,951,048
10,809,209
8,952,912
7,355,197
5,990,158
4,833,069
3,860,509
3,050,495

0.2252854
0.2166206
0.2082890
0.2002779
0.1925749
0.1851682
0.1780463
0.1711984
0.1646139
0.1582826
0.1521948
0.1463411
0.1407126
0.1353006
0.1300967
0.1250930
0.1202817
0.1156555
0.1112072
0.1069300
0.1028173
0.0988628
0.0950604
0.0914042
0.0878887
0.0845084
0.0812580
0.0781327
0.0751276
0.0722381
0.0694597
0.0667882
0.0642194
0.0617494
0.0593744
0.0570908
0.0548950
0.0527837
0.0507535
0.0488015
0.0469245
0.0451197
0.0433843
0.0417157
0.0401112

5,110
5,269
5,465
5,672
5,923
6,143
6,398
6,635
6,898
7,140
7,387
7,623
7,884
8,140
8,459
8,804
9,189
9,613
10,027
10,442
10,818
11,176
11,521
11,882
12,262
12,673
13,117
13,566
13,998
14,371
14,683
14,925
15,121
15,307
15,493
15,684
15,866
15,977
15,960
15,780
15,420
14,887
14,231
13,502
12,722

583,846
578,736
573,467
568,002
562,331
556,407
550,265
543,867
537,233
530,334
523,194
515,807
508,185
500,300
492,160
483,701
474,898
465,709
456,095
446,069
435,626
424,809
413,632
402,111
390,229
377,967
365,294
352,177
338,611
324,613
310,242
295,559
280,634
265,513
250,206
234,713
219,029
203,163
187,186
171,226
155,447
140,027
125,140
110,909
97,408

105,642
89,669
75,161
62,135
50,607
40,578
32,012
24,832
18,927
14,163
10,391
7,459
5,221
3,534
2,277
1,348
674

544,852
439,210
349,541
274,380
212,245
161,638
121,060
89,048
64,216
45,289
31,125
20,734
13,275
8,054
4,520
2,243
895

2,382,545
1,837,693
1,398,484
1,048,943
774,563
562,318
400,680
279,620
190,572
126,356
81,067
49,942
29,208
15,933
7,879
3,359
1,117

0.0385685
0.0370851
0.0356588
0.0342873
0.0329685
0.0317005
0.0304813
0.0293089
0.0281816
0.0270977
0.0260555
0.0250534
0.0240898
0.0231632
0.0222724
0.0214157
0.0205920

11,910
11,059
10,136
9,138
8,082
7,006
5,949
4,949
4,036
3,227
2,532
1,952
1,485
1,121
842
622
426

84,686
72,776
61,717
51,582
42,444
34,362
27,356
21,407
16,457
12,421
9,194
6,662
4,710
3,225
2,103
1,261
639

221

221

221

0.0198000

213

213

R(x)
43,603,677
42,750,931
41,938,378
41,135,676
40,341,729
39,556,107
38,778,237
38,007,422
37,243,083
36,484,532
35,731,263
34,982,936
34,239,294
33,500,399
32,766,539
32,038,314
31,316,375
30,601,419
29,894,077
29,194,818
28,503,830
27,821,138
27,146,579
26,479,866
25,820,604
25,168,380
24,522,764
23,883,318
23,249,660
22,621,492
21,998,565
21,380,697
20,767,742
20,159,640
19,556,326
18,957,809
18,364,112

17,775,295
17,191,449
16,612,713
16,039,246
15,471,244
14,908,913
14,352,506
13,802,241
13,258,374
12,721,141
12,190,807
11,667,612
11,151,805
10,643,620
10,143,320
9,651,160
9,167,458
8,692,561
8,226,852
7,770,757
7,324,688
6,889,062
6,464,253
6,050,621
5,648,509
5,258,280
4,880,313
4,515,019
4,162,841
3,824,230
3,499,617
3,189,375
2,893,816
2,613,182
2,347,669
2,097,463
1,862,750
1,643,721
1,440,559
1,253,372
1,082,146
926,699
786,673
661,533
550,623

453,215
368,529
295,753
234,036
182,454
140,011
105,649
78,293
56,886
40,429
28,007
18,813
12,152
7,441
4,217
2,113
852
213