北京肝病研究所:please help me~

A simple example may help to explain this process. Say that an insurance company is going to insure automobiles against theft. In a particular city, they know that they will insure 30,000 automobiles.Furthermore they know from actuarial information that approximately 300 of these vehicles will be stolen and that the average loss will be $6,000. With this information, the company can calculate that it should expect to pay out $1.8 million dollars in claims(300*$6,000).If the insurance company spreads these losses over all 30,000 policyholders,the premium for each policyholder would be $60($1.8million/30,000).Of course the insurance company would also build in additional money to pay for operating expenses and allow for a reasonable profit, thus increasing the individual premium amounts.

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