63

ANNEXES B
FORMULES DE CALCUL DES PRIMES D’INVENTAIRE (pour C frs de capital garanti)
n = durée du contrat
p = durée de paiement des primes
x = âge de l’assuré à la souscription

TC CHARGT PRIME UNIQUE INVENTAIRE PRIME ANNUELLE INVENTAIRE

p<n

Dx+n + 0.0015*(Nx – Nx+n)

C* [-------------------------------------- + 0.0035 ]
g1 = 3. 5°/°° Dx+n + 0.0015*( Nx – Nx+n ) Nx – Nx+p
C * --------------------------------------
CD g2 = 1. 5°/°° Dx p=n
Dx+n
C* [ --------------- + 0.005 ]
Nx – Nx+n

p<n

Mx – Mx+n + 0.001*( Nx –Nx+ n )

C * -------------------------------------------
g1 = 0 Mx – Mx+n + 0.001*( Nx –Nx+ n ) Nx – Nx+p
TD C * -------------------------------------------
g2 = 1°/°° Dx p=n

Mx – Mx+n
C * [ --------------- + 0.001 ]
Nx – Nx+n

Primes viagères ( p = f )

Mx
C * [ ----- + 0.005 ]
Nx
g1 = 3. 5°/°° Mx + 0.0015*Nx
VE C * ------------------------
g2 = 1. 5°/°° Dx
Primes périodiques de durée p

Mx + 0.0015*Nx
C * [ ---------------------- + 0.0035 ]
Nx – Nx+p

p<n

Mx – Mx+n +Dx+n + 0.0015*( Nx –Nx+ n )

C *[ ------------------------------------------------------ + 0.0035 ]
g1 = 3. 5°/°° Nx - Nx+p
MC Mx – Mx+n +Dx+n + 0.0015*( Nx –Nx+ n )
g2 = 1. 5°/°° C * ------------------------------------------------------ p= n
Dx
Mx – Mx+n +Dx+n
C *[ -------------------------- + 0.005 ]
Nx - Nx+n

CD = Capital Différé sans c.a / TD= Temporaire Décès/ VE= Vie Entière/ MC = Mixte
 64

ANNEXES C
FORMULES DE CALCUL DES PRIMES COMMERCIALES (pour C frs de capital garanti)
n = durée du contrat
p = durée de paiement des primes
x = âge de l’assuré à la souscription

TC CHARGT PRIME UNIQUE COMMERCIALE PRIME ANNUELLE COMMERCIALE

p<n

Dx+n + 0.0015*(Nx – Nx+n)

g1 = 3. 5°/°° C* [-------------------------------------- + 0.0035 ] / 0.92
Dx+n + 0.0015*( Nx – Nx+n ) Nx – Nx+p
g2 = 1. 5°/°° C * --------------------------------------
CD 0.92* Dx p=n
f = 8% Dx+n
C* [ --------------- + 0.005 ] / 0.92
Nx – Nx+n

p<n

Mx – Mx+n + 0.001*( Nx –Nx+ n )

C * [ ------------------------------------------- ]
g1 = 0 Mx – Mx+n + 0.001*( Nx –Nx+ n ) 0.85*( Nx – Nx+p )
T.D C * -------------------------------------------
g2 = 1°/°° 0.85 * Dx p=n

f = 15% Mx – Mx+n
C * [ --------------- + 0.001 ] / 0.85
Nx – Nx+n

Primes viagères ( p = f )

Mx
g1 = 3. 5°/°° C * [ ----- + 0.005 ] / 0.88
Mx + 0.0015*Nx Nx
g2 = 1. 5°/°° C * ------------------------
VE 0.88 * Dx
f = 12%
Primes périodiques de durée p

Mx + 0.0015*Nx
C * [ ---------------------- + 0.0035 ] / 0.88
Nx – Nx+p

p<n

Mx – Mx+n +Dx+n + 0.0015*( Nx –Nx+ n )

g1 = 3. 5°/°° C *[ ------------------------------------------------- + 0.0035 ]/ 0.88
Mx – Mx+n +Dx+n + 0.0015*( Nx –Nx+ n ) Nx - Nx+p
MC g2 = 1. 5°/°° C * ------------------------------------------------------
0.88 * Dx p= n
f = 12%
Mx – Mx+n +Dx+n
C *[ -------------------------- + 0.005 ] / 0.88
Nx - Nx+n

CD = Capital Différé sans c.a / TD= Temporaire Décès/ VE= Vie Entière/ MC = Mixte
Classique
 23

TARIF CONTRAT TEMPORAIRE DECES

Prime annuelles pour 10 000 $ de capital garanti

DUREE CONTRAT
Age 1 2 3 4 5 6 7 8 9 10
20 27,4183 27,8505 28,1973 28,5210 28,7657 29,0079 29,2319 29,4304 29,6188 29,8144
21 28,2962 28,6053 28,9119 29,1295 29,3564 29,5683 29,7552 29,9342 30,1243 30,3671
22 28,9240 29,2344 29,4250 29,6427 29,8473 30,0259 30,1987 30,3865 30,6351 30,9685
23 29,5546 29,6873 29,8975 30,0967 30,2676 30,4353 30,6226 30,8805 31,2331 31,6632
24 29,8243 30,0772 30,2889 30,4602 30,6285 30,8209 31,0946 31,4739 31,9361 32,4662
25 30,3381 30,5323 30,6857 30,8456 31,0395 31,3304 31,7404 32,2391 32,8083 33,4396
26 30,7326 30,8678 31,0257 31,2290 31,5481 32,0007 32,5463 33,1628 33,8413 34,5750
27 31,0073 31,1792 31,4050 31,7684 32,2790 32,8830 33,5554 34,2875 35,0727 35,9112
28 31,3565 31,6134 32,0384 32,6225 33,2946 34,0286 34,8177 35,6565 36,5467 37,4865
29 31,8784 32,3957 33,0716 33,8183 34,6152 35,4606 36,3517 37,2922 38,2812 39,3222
30 32,9294 33,6969 34,5066 35,3548 36,2471 37,1829 38,1679 39,2014 40,2879 41,4282
31 34,4888 35,3331 36,2155 37,1440 38,1172 39,1417 40,2165 41,3461 42,5315 43,7770
32 36,2045 37,1206 38,0866 39,0985 40,1642 41,2818 42,4566 43,6890 44,9838 46,3434
33 38,0662 39,0733 40,1261 41,2354 42,3981 43,6202 44,9018 46,2483 47,6620 49,1461
34 40,1130 41,2063 42,3612 43,5706 44,8419 46,1748 47,5751 49,0453 50,5884 52,2082
35 42,3352 43,5405 44,7992 46,1224 47,5090 48,9658 50,4950 52,0999 53,7844 55,5525
36 44,7853 46,0922 47,4687 48,9108 50,4262 52,0168 53,6862 55,4382 57,2770 59,2057
37 47,4422 48,8773 50,3780 51,9553 53,6107 55,3476 57,1704 59,0833 61,0896 63,1929
38 50,3599 51,9195 53,5612 55,2839 57,0914 58,9880 60,9783 63,0656 65,2535 67,5506
39 53,5312 55,2428 57,0368 58,9185 60,8926 62,9642 65,1362 67,4128 69,8031 72,3078
40 57,0120 58,8791 60,8375 62,8922 65,0484 67,3090 69,6780 72,1657 74,7722 77,5030
41 60,8097 62,8487 64,9882 67,2332 69,5864 72,0522 74,6419 77,3550 80,1973 83,1743
42 64,9578 67,1861 69,5243 71,9746 74,5415 77,2382 80,0629 83,0218 86,1209 89,3656
43 69,4918 71,9277 74,4792 77,1517 79,9605 82,9020 85,9831 89,2100 92,5885 96,1245
44 74,4492 77,1056 79,8882 82,8147 85,8786 89,0877 92,4483 95,9669 99,6496 103,5013
45 79,8567 82,7544 85,8059 88,9985 92,3416 95,8425 99,5079 103,3442 107,3568 111,5514
46 85,7567 88,9433 92,2705 95,7538 99,4014 103,2205 107,2178 111,3987 115,7695 120,3346
47 92,2467 95,7083 99,3358 103,1358 107,1151 111,2805 115,6376 120,1929 124,9508 129,9187
48 99,2987 103,0805 107,0420 111,1905 115,5332 120,0756 124,8247 129,7853 134,9652 140,3682
49 107,0054 111,1361 115,4619 119,9903 124,7270 129,6795 134,8525 140,2549 145,8903 151,7655
50 115,4261 119,9377 124,6609 129,6013 134,7669 140,1628 145,7984 151,6779 157,8083 164,1916
51 124,6265 129,5542 134,7079 140,0970 145,7264 151,6070 157,7425 164,1410 170,8043 177,7353
52 134,6796 140,0562 145,6796 151,5538 157,6913 164,0957 170,7759 177,7335 184,9720 192,4955
53 145,6534 151,5231 157,6541 164,0616 170,7485 177,7247 184,9919 192,5537 200,4151 208,5698
54 157,6395 164,0386 170,7298 177,7133 185,0009 192,5935 200,4953 208,7124 217,2378 226,0838
55 170,7136 177,7052 185,0009 192,6161 200,5510 208,8106 217,4022 226,3179 235,5727 245,1480
56 185,0067 192,6275 200,5865 208,8807 217,5163 226,5019 235,8283 245,5140 255,5380 265,8961
57 200,5960 208,9191 217,5914 226,6224 236,0230 245,7821 255,9223 266,4199 277,2716 288,4654
58 217,6338 226,7001 236,1455 245,9827 256,1966 266,8163 277,8136 289,1864 300,9232 313,0091
59 236,2071 246,0897 256,3881 267,0812 278,2075 289,7325 301,6560 313,9671 326,6510 339,6830
60 256,4697 267,2561 278,4521 290,1141 302,1958 314,7011 327,6192 340,9362 354,6266 368,6586

Cours de Théories mathématiques des assurances | Prof. Daniel Kasongo

 24

Exercices

1. Un Congolais âgé de 60 ans désire toucher 100 000 $ 20 années plus tard s’il est encore en vie.
Calculez la VAP
Calculez la rente viagère temporaire à terme échu.
Calculez la rente viagère illimitée.
Calculez la rente temporaire décès s’il meurt avant ses 80 ans.

2. Dans un contrat d’assurance-vie mixte (contrat en cas de vie et en cas de décès), un assuré âgé de 50 ans
verse 10 primes annuelles à terme échu et l’assureur s’engage à verser, après 15 ans, un capital de 10 000
$ si l’assuré est en vie. Si l’assuré décède avant les 15 prochaines années, le même capital de 10 000 $
est versé à ses ayant-droits à l’époque du décès.
En considérant le taux technique de 3 %, calculez la prime d’inventaire et la prime commerciale en
considérant que l’assureur charge 8 % de frais de courtier et 2 % de frais de gestion.

Cours de Théories mathématiques des assurances | Prof. Daniel Kasongo