However, since the life annuity is a long-term economic action, the factors of government policy and economic cycles may cause interest rate to be uncertain during the period of insurance. So the study on the theory of life annuities under random rates of interest has gradually become one of the heated and major problems of actuarial science.

但由于生存年金是一種長期的經(jīng)濟行為，投保期間的政府政策伊人久久大香焦、經(jīng)濟周期等因素都會造成利率的不確定性狼友视频在线观看2019高清，從而隨機利率下生存年金理論的研究逐漸成為保險精算學(xué)研究的重點與熱點問題之一。