人壽保險公司如何確定利率？
人壽保險公司如何確定利率？
 In my career, life insurance companies seem to price their profitability margins against the actuarial tables of the 2001 CSO and create rates based on their actual mortality experience and predicted policy lapses. It is not a science. The pricing difference between companies can be 25% among the top 35 carriers, so it pays to shop.
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