🔧 保險計算工具

💳 一次性繳清的純保費Net Single Premium 輸入死亡率、利率與死亡給付金額，按現值求和計算一次性繳清的淨躉繳純保費（NSP），用於定期壽險或終身壽險的躉交定價基礎。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. 📈 保費減賠款減費用Uw Profit 輸入保費收入、賠款支出與各項費用，按承保利潤 = 保費 − 賠款 − 費用計算保險業務的承保盈虧，用於險種或機構維度的盈利分析。Uw Profit - free online tool. Free online tool on ToolBox — 100% client-side, no data uploaded, no install. Part of the Insurance Calculation tools. 🛡️ 保費計算器Premium Calc 基於費率模型，輸入保額、基礎費率及年齡、性別、職業等風險係數，估算商業保險應繳保費，用於代理人或客户在投保前快速試算不同方案的費用。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... 🛡️ 保費豁免計算Premium Waiver Calculator 輸入保單剩餘繳費期、每期保費與豁免觸發條件，估算豁免後免除的未來保費總額及相對淨收益，用於含豁免責任的重疾或壽險方案中評估保障價值。Estimate premium waiver benefit for insurance. Free online tool on ToolBox — 100% client-side, no data uploaded, no install. Part of the Insurance Calculat... 📅 保險年金定價基礎Annuity Certain Pv 輸入年金期數 n 與每期利率 i，按年金現值係數 a_n| = (1 − vⁿ)/i 計算確定年金的現值因子，用於壽險保費釐定與年金產品定價的精算基礎計算。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. 🔁 將躉繳保費分攤為每年繳費Level Premium Life 輸入淨躉繳保費與年金現值係數 a_x，按均衡年保費 = 淨躉繳保費 ÷ a_x 將一次性躉繳分攤為每年均衡繳費，用於分期繳費型壽險的保費安排。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. 📉 已決賠款與保費之比Loss Ratio 賠付率計算器。輸入賠款支出與保費收入，按 賠付率 = 賠款/保費 求賠付率，用於保險公司業務質量與承保盈利分析。Loss Ratio - free online tool. Free online tool on ToolBox — 100% client-side, no data uploaded, no install. Part of the Insurance Calculation tools. 🗃️ 已發生未報案賠款Ibnr Reserve 輸入已報案賠款（或已發生賠款）與發展因子，按鏈梯法推算已發生未報案（IBNR）準備金，用於財險業務未決賠款準備金的快速預估與報表計提。Ibnr Reserve - free online tool. Free online tool on ToolBox — 100% client-side, no data uploaded, no install. Part of the Insurance Calculation tools. 🏦 年金現值計算器Annuity Present Value Calculator 輸入每期金額、利率與期數，計算普通年金、期初年金與永續年金的現值與終值，並支持不同付款頻率，適用於個人理財規劃與保險年金產品收益比較。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... 🛡️ 折現現值（預定利率）計算Calc Pv 1 折現現值計算器（預定利率）。輸入未來金額、預定利率與年期，按現值公式折算保費/給付的現值，用於壽險精算與產品定價參考。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壽險保額Life Cover Need 輸入家庭年收入、需替代年限、現有負債與可變現資產，按收入替代法估算被保險人所需的壽險保額，幫助家庭規劃身故保障缺口。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. 🧮 期望損失 = 頻率 × 嚴重度Pure Premium 輸入單位風險的理賠頻率與平均賠付額，按純保費 = 頻率 × 嚴重度計算期望損失（風險保費），用於車險、財產險等產品的純保費測算。Pure Premium - free online tool. Free online tool on ToolBox — 100% client-side, no data uploaded, no install. Part of the Insurance Calculation tools. #️⃣ 每單位風險暴露的理賠次數Claim Frequency 輸入統計期內的理賠件數與風險暴露單位數（如承保車年、人年），按理賠頻率 = 理賠件數 ÷ 暴露單位計算單位風險發生率，用於車險、意健險的賠付頻率分析。Claim Frequency - free online tool. Free online tool on ToolBox — 100% client-side, no data uploaded, no install. Part of the Insurance Calculation tools. 📋 生命表查詢Mortality Table 查詢各年齡段死亡率(qx)、存活人數(lx)與預期剩餘壽命，簡化精算生命表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 輸入年齡 x 的一年期生存概率 p_x，按 μ_x = −ln(p_x) 計算該年齡的死亡力（force of mortality），用於生命表構造與連續型壽險精算模型。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. 👛 由保單準備金與退保比例求現金價值Surrender Value 輸入保單年度準備金與退保給付比例，按現金價值 = 準備金 × 退保比例計算退保可領取金額，幫助投保人評估中途退保的實際收益與損失。Surrender Value - free online tool. Free online tool on ToolBox — 100% client-side, no data uploaded, no install. Part of the Insurance Calculation tools. 🕐 由年給付與年金因子求淨單保費Annuity Nsp 輸入年金給付年金額與年金現值因子 a_x，相乘求得淨單保費（NSP），用於年金型壽險產品的一次性純保費定價，便於精算人員快速完成費率測算。Annuity Nsp - free online tool. Free online tool on ToolBox — 100% client-side, no data uploaded, no install. Part of the Insurance Calculation tools. ➗ 由總賠款與索賠件數求平均賠付額Average Severity 平均賠付額計算器。輸入總賠款與索賠件數，按 嚴重度 = 總賠款/索賠件數 求平均賠付額，用於保險公司賠款分析與定價參考。Average Severity - free online tool. Free online tool on ToolBox — 100% client-side, no data uploaded, no install. Part of the Insurance Calculation tools. 🏷️ 由期望損失與暴露單位求純費率Pure Premium Rate 輸入組合的總期望損失與風險暴露單位數，按純費率 = 期望損失 ÷ 暴露單位計算每單位風險的純費率，用於非壽險產品基礎費率釐定。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. ❤️ 由生存人數求 t 年生存概率Survival Prob T 輸入生命表中 x 歲與 x+t 歲的生存人數 l_x、l_{x+t}，按 ₜp_x = l_{x+t}/l_x 計算 t 年生存概率，用於多期生存保障與聯合生存模型的精算推導。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 輸入某年齡的年生存率 p，按 q = 1 − p 換算對應死亡率，或反向由死亡率求生存率，用於生命表讀取與死差分析時快速完成概率換算。Mortality Prob - free online tool. Free online tool on ToolBox — 100% client-side, no data uploaded, no install. Part of the Insurance Calculation tools. ⚠️ 由索賠頻率與平均賠付額求期望損失Expected Claim Loss 輸入單位風險的索賠頻率與平均賠付額，按 ECL = 頻率 × 平均賠付額計算期望損失成本，用於釐定純保費、評估業務組合的風險成本。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. ➕ 由純保費與附加費率求毛保費Gross Premium Loading 毛保費計算器。輸入純保費與附加費率，按 毛保費 = 純保費×(1+附加費率) 求毛保費，用於保險定價中費用附加的核算。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... 🕐 由終極賠款與已付比例估算未決賠款Ibnr Estimate 輸入事故年的終極賠款估計與當前已付比例，按 IBNR = 終極賠款 × (1 − 已付比例) 估算已發生未報案准備金，用於財險公司未決賠款負債評估。Ibnr Estimate - free online tool. Free online tool on ToolBox — 100% client-side, no data uploaded, no install. Part of the Insurance Calculation tools. 📈 由綜合成本率反推承保利潤Uw Margin 承保利潤率計算器。輸入賠付率與費用率，按 承保利潤率 = 1 − (賠付率+費用率) 反推承保利潤，用於財險業務盈利評估。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壽命Complete Life Expectancy 輸入從當前年齡起各年的生存概率序列（逗號或空格分隔），累加求完全期望壽命 e_x，用於人口學、養老金與壽險精算中估算預期餘命。Complete Life Expectancy - free online tool. Free online tool on ToolBox — 100% client-side, no data uploaded, no install. Part of the Insurance Calculatio... 🔄 由需求與保費變動率求彈性Premium Elasticity 輸入保險需求量的變動率與保費的變動率，按彈性 = (%Δ需求)/(%Δ保費) 計算需求價格彈性，用於分析費率調整對投保意願的影響。Premium Elasticity - free online tool. Free online tool on ToolBox — 100% client-side, no data uploaded, no install. Part of the Insurance Calculation tools. ⚖️ 綜合成本率計算器 - 輸入賠款、費用與保費，計算綜合成本率（<100%Combined Ratio 綜合成本率計算器。輸入賠款與費用、保費收入，按 綜合成本率 = 賠付率 + 費用率（<100% 承保盈利）評估承保盈虧，用於財險經營分析。Combined Ratio - free online tool. Free online tool on ToolBox — 100% client-side, no data uploaded, no install. Part of the Insurance Calculation tools. 🧾 營運費用與保費之比Expense Ratio 費用率計算器。輸入營運費用與保費收入，按 費用率 = 營運費用/保費收入 求費用率，用於保險公司經營成本分析與監控。Expense Ratio - free online tool. Free online tool on ToolBox — 100% client-side, no data uploaded, no install. Part of the Insurance Calculation tools. 💰 賠付準備金計算器Claim Reserve 未決賠款準備金（RBNS + IBNR）估算，支持損失率法與鏈梯法對照Claim Reserve - free online tool. Free online tool on ToolBox — 100% client-side, no data uploaded, no install. Part of the Insurance Calculation tools. 🛡️ 賠付率（已發生/已報告）統計Stats 5 賠付率在線統計工具，輸入已發生與已報告賠款及保費求得賠付率指標，評估保險業務質量，支持批量數據，純前端運行。Stats 5 - free online tool. Free online tool on ToolBox — 100% client-side, no data uploaded, no install. Part of the Insurance Calculation tools. 🎁 身故與滿期給付組合Endowment Premium 輸入死亡給付、滿期生存給付、利率與保險期限，分別求定期壽險與滿期給付的現值並相加，得到兩全保險淨保費，用於組合型壽險產品的定價測算。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（現金價值）估算Estimate 20 退保金（現金價值）估算器。輸入已交保費、年限與退保參數，估算保單現金價值與退保金，用於壽險退保損益參考（具體以合同為準）。Estimate 20 - free online tool. Free online tool on ToolBox — 100% client-side, no data uploaded, no install. Part of the Insurance Calculation tools.