🔧 保险计算工具

💳 一次性缴清的纯保费Net Single Premium 输入死亡率、利率与死亡给付金额，按现值求和计算一次性缴清的净趸缴纯保费（NSP），用于定期寿险或终身寿险的趸交定价基础。Net Single Premium - free online tool. Free online tool on ToolBox — 100% client-side, no data uploaded, no install. Part of the Insurance Calculation tools. 📈 保费减赔款减费用Uw Profit 输入保费收入、赔款支出与各项费用，按承保利润 = 保费 − 赔款 − 费用计算保险业务的承保盈亏，用于险种或机构维度的盈利分析。Uw Profit - free online tool. Free online tool on ToolBox — 100% client-side, no data uploaded, no install. Part of the Insurance Calculation tools. 🛡️ 保费计算器Premium Calc 基于费率模型，输入保额、基础费率及年龄、性别、职业等风险系数，估算商业保险应缴保费，用于代理人或客户在投保前快速试算不同方案的费用。Premium Calc - calculate online, free and accurate. Free online tool on ToolBox — 100% client-side, no data uploaded, no install. Part of the Insurance Cal... 🛡️ 保费豁免计算Premium Waiver Calculator 输入保单剩余缴费期、每期保费与豁免触发条件，估算豁免后免除的未来保费总额及相对净收益，用于含豁免责任的重疾或寿险方案中评估保障价值。Estimate premium waiver benefit for insurance. Free online tool on ToolBox — 100% client-side, no data uploaded, no install. Part of the Insurance Calculat... 📅 保险年金定价基础Annuity Certain Pv 输入年金期数 n 与每期利率 i，按年金现值系数 a_n| = (1 − vⁿ)/i 计算确定年金的现值因子，用于寿险保费厘定与年金产品定价的精算基础计算。Annuity Certain Pv - free online tool. Free online tool on ToolBox — 100% client-side, no data uploaded, no install. Part of the Insurance Calculation tools. 🔁 将趸缴保费分摊为每年缴费Level Premium Life 输入净趸缴保费与年金现值系数 a_x，按均衡年保费 = 净趸缴保费 ÷ a_x 将一次性趸缴分摊为每年均衡缴费，用于分期缴费型寿险的保费安排。Level Premium Life - free online tool. Free online tool on ToolBox — 100% client-side, no data uploaded, no install. Part of the Insurance Calculation tools. 📉 已决赔款与保费之比Loss Ratio 赔付率计算器。输入赔款支出与保费收入，按 赔付率 = 赔款/保费 求赔付率，用于保险公司业务质量与承保盈利分析。Loss Ratio - free online tool. Free online tool on ToolBox — 100% client-side, no data uploaded, no install. Part of the Insurance Calculation tools. 🗃️ 已发生未报案赔款Ibnr Reserve 输入已报案赔款（或已发生赔款）与发展因子，按链梯法推算已发生未报案（IBNR）准备金，用于财险业务未决赔款准备金的快速预估与报表计提。Ibnr Reserve - free online tool. Free online tool on ToolBox — 100% client-side, no data uploaded, no install. Part of the Insurance Calculation tools. 🏦 年金现值计算器Annuity Present Value Calculator 输入每期金额、利率与期数，计算普通年金、期初年金与永续年金的现值与终值，并支持不同付款频率，适用于个人理财规划与保险年金产品收益比较。Annuity Present Value Calculator - free online tool. Free online tool on ToolBox — 100% client-side, no data uploaded, no install. Part of the Insurance Ca... 🛡️ 折现现值（预定利率）计算Calc Pv 1 折现现值计算器（预定利率）。输入未来金额、预定利率与年期，按现值公式折算保费/给付的现值，用于寿险精算与产品定价参考。Calc Pv 1 - calculate online, free and accurate. Free online tool on ToolBox — 100% client-side, no data uploaded, no install. Part of the Insurance Calcul... 🛡️ 收入替代法估算所需寿险保额Life Cover Need 输入家庭年收入、需替代年限、现有负债与可变现资产，按收入替代法估算被保险人所需的寿险保额，帮助家庭规划身故保障缺口。Life Cover Need - free online tool. Free online tool on ToolBox — 100% client-side, no data uploaded, no install. Part of the Insurance Calculation tools. 🧮 期望损失 = 频率 × 严重度Pure Premium 输入单位风险的理赔频率与平均赔付额，按纯保费 = 频率 × 严重度计算期望损失（风险保费），用于车险、财产险等产品的纯保费测算。Pure Premium - free online tool. Free online tool on ToolBox — 100% client-side, no data uploaded, no install. Part of the Insurance Calculation tools. #️⃣ 每单位风险暴露的理赔次数Claim Frequency 输入统计期内的理赔件数与风险暴露单位数（如承保车年、人年），按理赔频率 = 理赔件数 ÷ 暴露单位计算单位风险发生率，用于车险、意健险的赔付频率分析。Claim Frequency - free online tool. Free online tool on ToolBox — 100% client-side, no data uploaded, no install. Part of the Insurance Calculation tools. 📋 生命表查询Mortality Table 查询各年龄段死亡率(qx)、存活人数(lx)与预期剩余寿命，简化精算生命表Mortality Table - free online tool. Free online tool on ToolBox — 100% client-side, no data uploaded, no install. Part of the Insurance Calculation tools. 📈 由一年生存概率求死亡力Force of Mortality 输入年龄 x 的一年期生存概率 p_x，按 μ_x = −ln(p_x) 计算该年龄的死亡力（force of mortality），用于生命表构造与连续型寿险精算模型。Force of Mortality - free online tool. Free online tool on ToolBox — 100% client-side, no data uploaded, no install. Part of the Insurance Calculation tools. 👛 由保单准备金与退保比例求现金价值Surrender Value 输入保单年度准备金与退保给付比例，按现金价值 = 准备金 × 退保比例计算退保可领取金额，帮助投保人评估中途退保的实际收益与损失。Surrender Value - free online tool. Free online tool on ToolBox — 100% client-side, no data uploaded, no install. Part of the Insurance Calculation tools. 🕐 由年给付与年金因子求净单保费Annuity Nsp 输入年金给付年金额与年金现值因子 a_x，相乘求得净单保费（NSP），用于年金型寿险产品的一次性纯保费定价，便于精算人员快速完成费率测算。Annuity Nsp - free online tool. Free online tool on ToolBox — 100% client-side, no data uploaded, no install. Part of the Insurance Calculation tools. ➗ 由总赔款与索赔件数求平均赔付额Average Severity 平均赔付额计算器。输入总赔款与索赔件数，按 严重度 = 总赔款/索赔件数 求平均赔付额，用于保险公司赔款分析与定价参考。Average Severity - free online tool. Free online tool on ToolBox — 100% client-side, no data uploaded, no install. Part of the Insurance Calculation tools. 🏷️ 由期望损失与暴露单位求纯费率Pure Premium Rate 输入组合的总期望损失与风险暴露单位数，按纯费率 = 期望损失 ÷ 暴露单位计算每单位风险的纯费率，用于非寿险产品基础费率厘定。Pure Premium Rate - free online tool. Free online tool on ToolBox — 100% client-side, no data uploaded, no install. Part of the Insurance Calculation tools. ❤️ 由生存人数求 t 年生存概率Survival Prob T 输入生命表中 x 岁与 x+t 岁的生存人数 l_x、l_{x+t}，按 ₜp_x = l_{x+t}/l_x 计算 t 年生存概率，用于多期生存保障与联合生存模型的精算推导。Survival Prob T - free online tool. Free online tool on ToolBox — 100% client-side, no data uploaded, no install. Part of the Insurance Calculation tools. 📈 由生存率推算死亡率Mortality Prob 输入某年龄的年生存率 p，按 q = 1 − p 换算对应死亡率，或反向由死亡率求生存率，用于生命表读取与死差分析时快速完成概率换算。Mortality Prob - free online tool. Free online tool on ToolBox — 100% client-side, no data uploaded, no install. Part of the Insurance Calculation tools. ⚠️ 由索赔频率与平均赔付额求期望损失Expected Claim Loss 输入单位风险的索赔频率与平均赔付额，按 ECL = 频率 × 平均赔付额计算期望损失成本，用于厘定纯保费、评估业务组合的风险成本。Expected Claim Loss - free online tool. Free online tool on ToolBox — 100% client-side, no data uploaded, no install. Part of the Insurance Calculation tools. ➕ 由纯保费与附加费率求毛保费Gross Premium Loading 毛保费计算器。输入纯保费与附加费率，按 毛保费 = 纯保费×(1+附加费率) 求毛保费，用于保险定价中费用附加的核算。Gross Premium Loading - free online tool. Free online tool on ToolBox — 100% client-side, no data uploaded, no install. Part of the Insurance Calculation t... 🕐 由终极赔款与已付比例估算未决赔款Ibnr Estimate 输入事故年的终极赔款估计与当前已付比例，按 IBNR = 终极赔款 × (1 − 已付比例) 估算已发生未报案准备金，用于财险公司未决赔款负债评估。Ibnr Estimate - free online tool. Free online tool on ToolBox — 100% client-side, no data uploaded, no install. Part of the Insurance Calculation tools. 📈 由综合成本率反推承保利润Uw Margin 承保利润率计算器。输入赔付率与费用率，按 承保利润率 = 1 − (赔付率+费用率) 反推承保利润，用于财险业务盈利评估。Uw Margin - free online tool. Free online tool on ToolBox — 100% client-side, no data uploaded, no install. Part of the Insurance Calculation tools. ⏳ 由逐年生存概率序列求完全期望寿命Complete Life Expectancy 输入从当前年龄起各年的生存概率序列（逗号或空格分隔），累加求完全期望寿命 e_x，用于人口学、养老金与寿险精算中估算预期余命。Complete Life Expectancy - free online tool. Free online tool on ToolBox — 100% client-side, no data uploaded, no install. Part of the Insurance Calculatio... 🔄 由需求与保费变动率求弹性Premium Elasticity 输入保险需求量的变动率与保费的变动率，按弹性 = (%Δ需求)/(%Δ保费) 计算需求价格弹性，用于分析费率调整对投保意愿的影响。Premium Elasticity - free online tool. Free online tool on ToolBox — 100% client-side, no data uploaded, no install. Part of the Insurance Calculation tools. ⚖️ 综合成本率计算器 - 输入赔款、费用与保费，计算综合成本率（<100%Combined Ratio 综合成本率计算器。输入赔款与费用、保费收入，按 综合成本率 = 赔付率 + 费用率（<100% 承保盈利）评估承保盈亏，用于财险经营分析。Combined Ratio - free online tool. Free online tool on ToolBox — 100% client-side, no data uploaded, no install. Part of the Insurance Calculation tools. 🧾 营运费用与保费之比Expense Ratio 费用率计算器。输入营运费用与保费收入，按 费用率 = 营运费用/保费收入 求费用率，用于保险公司经营成本分析与监控。Expense Ratio - free online tool. Free online tool on ToolBox — 100% client-side, no data uploaded, no install. Part of the Insurance Calculation tools. 💰 赔付准备金计算器Claim Reserve 未决赔款准备金（RBNS + IBNR）估算，支持损失率法与链梯法对照Claim Reserve - free online tool. Free online tool on ToolBox — 100% client-side, no data uploaded, no install. Part of the Insurance Calculation tools. 🛡️ 赔付率（已发生/已报告）统计Stats 5 赔付率在线统计工具，输入已发生与已报告赔款及保费求得赔付率指标，评估保险业务质量，支持批量数据，纯前端运行。Stats 5 - free online tool. Free online tool on ToolBox — 100% client-side, no data uploaded, no install. Part of the Insurance Calculation tools. 🎁 身故与满期给付组合Endowment Premium 输入死亡给付、满期生存给付、利率与保险期限，分别求定期寿险与满期给付的现值并相加，得到两全保险净保费，用于组合型寿险产品的定价测算。Endowment Premium - free online tool. Free online tool on ToolBox — 100% client-side, no data uploaded, no install. Part of the Insurance Calculation tools. 🛡️ 退保金（现金价值）估算Estimate 20 退保金（现金价值）估算器。输入已交保费、年限与退保参数，估算保单现金价值与退保金，用于寿险退保损益参考（具体以合同为准）。Estimate 20 - free online tool. Free online tool on ToolBox — 100% client-side, no data uploaded, no install. Part of the Insurance Calculation tools.