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15/10/2007

Product Number of Policy Annualised Premium Sum Assured (or


equivalence)

BV/NA1/1996
BV_NA2/1996 1,850 2,594,829,900 27,226,475,544
BV_NA3/1996 25,148 27,495,282,400 433,968,472,201
BV/NA4/1998
BV_NA5/1998 29,559 49,396,686,400 533,097,860,000
BV_NA6/1998 239,779 311,568,058,500 4,244,855,047,400
BV_NA7/2001 1 1,957,200 10,000,000
BV_NA8/2001 77,571 164,441,324,500 1,802,056,341,600
BV_NA9/2001 587,698 909,918,663,900 12,012,416,789,000
BVNA10/2001 324,010 861,424,710,300 3,897,768,871,600
BVNA11/2001 95,151 203,638,005,800 1,602,301,546,275
BVNA12/2001 34,863 75,128,214,700 833,832,763,700
BVNA13/2001 15,227 32,649,709,300 471,429,737,900
BVNA14/2003 25,308 90,222,435,500 464,748,056,100
BVNA15/2003 47,291 142,096,834,000 834,373,632,600
BVNA16/2003 26,572 102,256,235,200 668,948,100,100
BVNA17/2003 7,412 28,178,237,000 194,869,005,800
BVNA18/2003 5,795 28,098,223,500 207,666,472,500
BVNA19/2005 1,145 3,944,338,500 27,665,000,000
BVNA20/2005 123 613,768,800 2,734,075,300
BVNA21/2005 27 237,441,500 783,000,000
BVNA22/2005 22 258,806,300 548,000,000
BV_NB1/1997 6 508,000 55,000,000
BV_NB2/1997 112 9,165,900 639,000,000
BV_NB3/1997 107 5,496,600 650,000,000
BV_NC1/1999 5,735 6,416,831,000 112,452,521,000
BV_NC2/2001 6,165 9,839,425,300 161,668,491,900
BV_ND1/1999 2,060 7,178,903,000 7,810,659,400
BV_ND2/2001 5,857 31,216,002,100 32,200,372,200
BV_ND3/2002 2,429 7,703,647,800 10,863,662,400
BV/NHB1/2006 - Bao hiem cho nguoi gui tien
2 165,600 800,000
BV/NHB2/2007
BV_NR1/1998 78,754 1,118,094,500 1,066,755,535,000
BV_NR2/1998 81,063 721,748,300 244,703,692,000
BV_NR3/1999 412 680,880,400 10,393,000,000
BV_NR4/1999 133 30,658,500 2,575,000,000
BVNR5/2001 265,303 4,726,335,000 4,016,652,000,000
BVNR6/2001 675,940 27,636,910,100 3,367,274,540,000
BVNR7/2001 495,714 15,666,805,400 8,336,935,000,000
BVNR8/2004 47,248 5,133,516,600 20,000,000
BVNR9/2004 665 8,493,400 10,000,000
BV/GB1/2000 - Bao hiem tu ky nhom
BV/GB2/2007 - An nghiep thanh cong
3,152,257,350,700 45,632,958,521,520
15/10/2007
MR UPR Total Reserve i interest
rate for
2.5 month

25,904,819,400 135,326,190 26,040,145,590 5.00% 1.02%


294,116,697,600 2,434,250,330 296,550,947,930 5.00% 1.02%

370,592,682,000 4,288,994,320 374,881,676,320 5.00% 1.02%


2,367,972,309,700 25,835,296,450 2,393,807,606,150 5.75% 1.17%
9,225,800 0 9,225,800 6.50% 1.32%
454,096,561,500 25,429,769,630 479,526,331,130 5.00% 1.02%
3,014,829,467,700 127,176,577,010 3,142,006,044,710 5.75% 1.17%
2,070,771,054,500 105,442,792,330 2,176,213,846,830 7.00% 1.42%
654,163,363,900 34,880,084,170 689,043,448,070 5.00% 1.02%
215,267,082,600 14,418,024,170 229,685,106,770 5.00% 1.02%
109,398,364,000 5,758,540,480 115,156,904,480 5.00% 1.02%
105,662,155,182 19,122,060,600 124,784,215,782 5.50% 1.12%
133,319,402,296 36,200,964,900 169,520,367,196 5.50% 1.12%
88,592,892,802 30,276,329,710 118,869,222,512 5.50% 1.12%
22,039,240,862 8,026,740,870 30,065,981,732 5.00% 1.02%
31,973,940,678 6,940,136,310 38,914,076,988 5.00% 1.02%
4,510,568,600 823,419,210 5,333,987,810 5.00% 1.02%
708,403,800 155,852,590 864,256,390 5.00% 1.02%
404,957,100 62,749,330 467,706,430 5.00% 1.02%
330,802,900 158,756,760 489,559,660 5.00% 1.02%
14,200 58,160 72,360 5.00% 1.02%
3,436,700 2,253,670 5,690,370 5.00% 1.02%
0 2,302,570 2,302,570 5.00% 1.02%
28,810,102,600 313,050,610 29,123,153,210 4.50% 0.92%
22,091,906,100 911,271,130 23,003,177,230 4.50% 0.92%
44,075,211,600 629,537,850 44,704,749,450 4.50% 0.92%
80,356,090,800 3,998,498,500 84,354,589,300 4.50% 0.92%
18,629,862,300 1,474,694,510 20,104,556,810 4.50% 0.92%
0 0 0.00%

0 94,944,320 94,944,320 5.00% 1.02%


0 73,449,960 73,449,960 5.00% 1.02%
3,790,219,900 81,047,220 3,871,267,120 4.50% 0.92%
28,272,600 4,430,660 32,703,260 4.50% 0.92%
0 684,831,020 717,185,560 4.50% 0.92%
0 4,622,703,830 4,303,381,640 4.50% 0.92%
0 2,479,132,290 2,560,381,830 4.50% 0.92%
0 1,286,790,450 1,286,790,450 5.00% 1.02%
0 2,101,810 2,078,630 5.00% 1.02%
0.00%
0.00%
10,162,449,109,720 464,227,763,920 10,626,471,132,350
Interest Estimated net Average Death Ben
premium Mortality

0
266,037,917 461,527,876 0 0 8,485,896
3,029,698,744 5,011,920,492 0 0 72,261,370
0 0 0 0
3,829,960,929 9,797,746,688 0 0 166,154,921
28,044,697,719 59,179,264,305 0 0 709,343,213
121,838 611,895 0 0 3,354
4,899,058,099 36,586,842,296 0 0 561,661,471
36,810,230,501 190,936,722,113 0 0 2,007,353,898
30,892,144,359 181,105,403,372 0 0 1,310,362,128
7,039,579,823 42,237,534,576 0 0 499,402,279
2,346,567,038 15,456,569,305 0 0 265,227,552
1,176,495,072 6,515,896,451 0 0 148,947,117
1,399,675,585 24,470,055,988 0 0 155,141,209
1,901,470,612 39,764,591,788 0 0 260,674,422
1,333,328,478 31,029,179,320 0 0 213,286,656
307,167,681 9,164,273,401 0 0 61,568,404
397,563,828 9,695,157,147 0 0 62,508,476
54,494,434 920,296,238 0 0 4,281,758
8,829,635 155,596,139 0 0 423,157
4,778,301 89,143,955 0 0 119,515
5,001,563 21,080,598 0 0 83,645
739 23,040 0 0 18,316
58,135 1,474,880 0 0.01 212,804
23,524 1,134,573 0 0.01 216,467
268,292,955 821,429,911 0 0 37,360,330
211,913,536 1,448,770,250 0 0 53,711,452
411,836,220 1,040,550,815 0 0 2,594,951
777,104,796 4,768,438,200 0 0 10,697,995
185,210,403 1,378,488,612 0 0 3,609,257
0 35,510,018 0 0 260
0 0 0 0
969,994 170,543,644 0 0 355,257,222
750,398 120,425,386 0 0 81,492,667
35,663,504 101,894,978 0 0 3,452,888
301,274 6,967,358 0 0 855,497
6,606,971 751,787,841 0 0 1,334,460,467
39,644,298 4,695,236,998 0 0.00489 1,118,716,472
23,587,158 2,561,996,565 0 0 2,769,796,880
13,146,434 1,251,900,611 0 0 6,661
21,236 821,307 0 0 3,330
0 455,527,950 0 0
0 174,035,829 0 0
125,722,033,734 682,386,372,709 12,279,754,358
Estimated Reseved as Total Reserve as at Difference (IT- %
at 31/12/2007 31/12/2007 Estimated)

0
26,759,225,487 26,695,842,290 -63,383,197 -0.24%
304,520,305,796 305,179,273,130 658,967,334 0.22%

388,343,229,016 401,069,028,630 12,725,799,614 3.17%


2,480,322,224,961 2,479,408,300,910 -913,924,051 -0.04%
9,956,179 9,829,139 -127,039 -1.29%
520,450,570,054 521,733,487,150 1,282,917,096 0.25%
3,367,745,643,426 3,865,553,837,985 497,808,194,559 12.88%
2,386,901,032,434 2,401,719,885,160 14,818,852,726 0.62%
737,821,160,190 739,487,034,460 1,665,874,270 0.23%
247,223,015,561 248,457,025,830 1,234,010,269 0.50%
122,700,348,886 122,876,213,350 175,864,464 0.14%
150,498,806,145 151,037,182,707 538,376,562 0.36%
210,925,755,173 213,369,735,069 2,443,979,896 1.15%
151,018,443,654 164,184,808,507 13,166,364,853 8.02%
39,475,854,410 42,901,101,903 3,425,247,493 7.98%
48,944,289,487 47,132,310,167 -1,811,979,320 -3.84%
6,304,496,724 6,182,643,360 -121,853,364 -1.97%
1,028,259,006 1,031,379,270 3,120,264 0.30%
561,509,171 571,067,550 9,558,379 1.67%
515,558,176 517,076,190 1,518,014 0.29%
77,823 66,720 -11,103 -16.64%
7,010,582 6,872,360 -138,222 -2.01%
3,244,200 2,790,930 -453,270 -16.24%
30,175,515,746 29,983,614,650 -191,901,096 -0.64%
24,610,149,565 24,458,771,650 -151,377,915 -0.62%
46,154,541,533 47,179,383,740 1,024,842,207 2.17%
89,889,434,301 87,224,679,510 -2,664,754,791 -3.06%
21,664,646,568 22,098,706,050 434,059,482 1.96%
35,509,758

-88,799,264 117,436,710 206,235,974 175.61%


113,133,077 93,006,760 -20,126,317 -21.64%
4,005,372,715 4,206,209,245 200,836,530 4.77%
39,116,395 36,453,440 -2,662,955 -7.31%
141,119,905 855,727,090 714,607,185 83.51%
7,919,546,464 6,129,727,140 -1,789,819,324 -29.20%
2,376,168,673 3,157,297,490 781,128,817 24.74%
2,551,830,834 2,209,905,301 -341,925,533 -15.47%
2,917,843 2,949,230 31,387 1.06%

11,421,670,220,656 11,966,880,660,773 545,245,949,874 2


0
4.56%
4.75
26,729,803,708
304,200,807,892
0
387,678,975,004
2,474,260,568,533
9,872,446
516,668,385,935
3,348,007,459,073
2,373,830,968,259
734,969,481,049
246,724,573,716
122,545,110,828
147,951,941,137
207,809,735,863
148,624,763,586
38,743,147,216
47,581,451,204
6,195,013,599
1,004,411,619
548,949,897
512,618,848
77,823
7,010,582
3,244,200
30,146,611,080
24,563,944,830
46,100,771,650
89,651,926,078
21,596,944,806
34,643,660
0
-64,435,886
121,161,436
3,994,346,559
39,003,546
248,518,168
8,590,294,607
2,742,168,183
2,586,129,481
2,940,345

11,364,963,340,557

5.030%
Policy
Total premium
Number
revenue received
Products from
from 15/10/07 to
31/12/006 to
31/12/07
31/12/2007

BV/NA1/1996 - Bao hiem nhan tho 5 nam 0


BV/NA2/1996 - Bao hiem491,128,548
nhan tho 10 nam 1,851
5,333,092,434
BV/NA3/1996 - Bao hiem tre em 25,159
BV/NA4/1998 - Bao hiem va tiet kiem 0 5 nam 0
10,380,123,402
BV/NA5/1998 - Bao hiem va tiet kiem 10 nam29,565
62,495,979,480
BV/NA6/1998 - An sinh giao duc 239,825
BV/NA7/2001 - An khang thinh 644,100
vuong 5 nam 1
39,239,490,796
BV/NA8/2001 - An khang thinh vuong 10 nam79,655
202,879,398,472
BV/NA9/2001 - An sinh giao duc 596,724
194,634,959,425
BV/NA10/2001 - An gia thinh vuong - 5 nam335,143
45,081,019,389
BV/NA11/2001 - An gia thinh vuong - 10 nam96,778
17,143,164,428
BV/NA12/2001 - An gia thinh vuong - 15 nam35,648
BV/NA13/2001 - An gia7,263,683,595
thinh vuong - 20 nam15,437
28,563,063,419
BV/NA14/2003 - An gia tai loc - 9 nam 29,501
48,300,806,400
BV/NA15/2003 - An gia tai loc - 12 nam 56,552
39,286,783,995
BV/NA16/2003 - An gia tai loc - 15 nam 33,748
11,733,906,026
BV/NA17/2003 - An gia tai loc - 18 nam 9,484
12,018,386,029
BV/NA18/2003 - An gia tai loc - 21 nam 6,930
1,020,396,401
BV/NA19/2005 - An sinh lap nghiep 1,198
BV/NA20/2005 - An sinh 166,205,000
thanh tai - 3 nam 128
99,767,700
BV/NA21/2005 - An sinh thanh tai - 5 nam 29
22,123,500
BV/NA22/2005 - An sinh thanh tai - 7 nam 22
36,000
BV/NB1/1996 - Sinh mang co thoi han 8
BV/NB2/1996 - Sinh mang co 1,843,600
thoi han 112
BV/NB3/1996 - Sinh mang co 1,428,800
thoi han 108
BV/NC1/1999 - Bao hiem966,711,100
tron doi 5,737
1,728,574,100
BV/NC2/2001 - An khang truong tho 6,250
1,121,504,500
BV/ND1/1999 - Bao hiem nien kim nhan tho 2,061
5,202,414,945
BV/ND2/2001 - An huong huu tri 5,979
BV/ND3/2002 - An binh1,497,407,800
huu tri 2,489
BV-NHB1/2006 - Bao hiem43,304,900
cho nguoi gui tien 2
BV-NBH2/2006 - Bao hiem16,702,735
cho nguoi di vay
BV/NR1/1998 - Bh thuong243,700,900 78,785
tat bo phan vinh vien
BV/NR2/1998 - Bao hiem160,616,200
chi phi phau thuat 81,096
BV/NR3/1999 - Bao hiem111,971,800
sinh ky thuan tuy 418
BV/NR4/1999 - Bao hiem tu8,363,500
ky 135
1,100,466,828
BV/NR5/2001 - Bh thuong 274,749
tat bo phan vinh vien
6,960,843,983
BV/NR6/2001 - Bao hiem chi phi phau thuan713,015
BV/NR7/2001 - BH chet3,757,192,599
va TTTB vinh vien 514,737
1,911,813,550
BV/NR8/2004 - Quyen loi mien nop phi bao hiem 55008
1,168,900
BV/NR9/2004 - Q.loi mien nop phi BH dac biet 701
BV-GB1/2000 - Bao hiem489,815,000
tu ky nhom
BV-GB2/2007 - Bao hiem187,135,300
tu ky nhom
Tæng céng
Premium
Policy number revenue for
New bussiness
from 15/10/2007 new business
Policy number
to 31/12/2007 from 15/10/07
to 31/12/07

1,850 1 98892.25
25,148 11 794038.52
0-
29,559 6 1154453.05
239,779 46 4676095.25
1 0 0
77,571 2,084 645775293.95
587,698 9,026 1469354048.76
324,010 11,133 3685710336.98
95,151 1,627 324365486.05
34,863 785 145292315.12
15,227 210 35662694.04
25,308 4,193 1827464663.44
47,291 9,261 3055655193.29
26,572 7,176 3492409929.66
7,412 2,072 1061037410.08
5,795 1,135 908627544.84
1,145 53 31599921.93
123 5 5535790
27 2 6371747.85
22 0 0
6 2 7200
112 0 0
107 1 10583.7
5,735 2 216898.99
6,165 85 18128349.53
2,060 1 162532.18
5,857 122 53630879.71
2,429 60 7877289.84
2 0 0
0-
78,754 31 67123.3
81,063 33 49019.08
412 6 1156163.11
133 2 4342.22
265,303 9,446 26484197.43
675,940 37,075 253362556.84
495,714 19,023 97197505.46
47,248 7,760 196881206.33
665 36 43821.24
0 0
0 0
100.00%

Premium
revenue for
Expenses rate Expenses
policies inforce
by Tinh rate by Huy
at both 15/10/07
and 31/12/07

0 6.00% - 12.00%
491,029,656 6.00% 40000.00 12.00%
5,332,298,395 6.00% 40000.00 12.00%
0 5.33% - 12.00%
10,378,968,949 5.60% 59657 12.00%
62,491,303,385 5.30% 58704 15.00%
644,100 5.00% 330000 18.00%
38,593,715,502 5.20% 77365 15.00%
201,410,044,423 5.20% 62249 15.00%
190,949,249,088 4.60% 95,229 12.00%
44,756,653,903 5.20% 117,869 12.00%
16,997,872,113 8.40% 144,562 12.00%
7,228,020,901 9.40% 155,669 12.00%
26,735,598,756 5.40% 195,998 18.00%
45,245,151,207 8.45% 178,960 19.00%
35,794,374,065 8.45% 242,554 20.00%
10,672,868,616 9.40% 243,893 21.00%
11,109,758,484 9.40% 326,241 25.00%
988,796,479 5.26% 311,870 18.00%
160,669,210 1.95% 388,004 18.00%
93,395,952 3.63% 430,862 18.00%
22,123,500 4.71% 348,727 18.00%
28,800 20.00% 20%
1,843,600 20.00% 20%
1,418,216 20.00% 20%
966,494,201 15.00% 45080 18%
1,710,445,750 15.00% 60102 18%
1,121,341,968 7.20% 54531 12%
5,148,784,065 7.20% 78962 12%
1,489,530,510 7.20% 63262 12%
43,304,900 18.00% 20%
0 65.00% 20%
243,633,777 30.00% 20%
160,567,181 25.00% 20%
110,815,637 8.05% 18%
8,359,158 16.65% 18%
1,073,982,631 30.00% 20%
6,707,481,426 30.00% 20%
3,659,995,094 30.00% 20%
1,714,932,344 27.00% 25%
1,125,079 27.00% 25%
489,815,000 7.00% 7%
187,135,300 7% 7%
NP estimated by NP estimated by
Tinh's rate Huy's rate

0 0
461,527,876 432,106,097
5,011,920,492 4,692,422,588
0 0
9,797,746,688 9,133,492,675
59,179,264,305 53,117,607,877
611,895 528,162
36,586,842,296 32,804,658,177
190,936,722,113 171,198,537,760
181,105,403,372 168,035,339,197
42,237,534,576 39,385,855,435
15,456,569,305 14,958,127,459
6,515,896,451 6,360,658,393
24,470,055,988 21,923,190,980
39,764,591,788 36,648,572,477
31,029,179,320 28,635,499,252
9,164,273,401 8,431,566,207
9,695,157,147 8,332,318,863
920,296,238 810,813,113
155,596,139 131,748,752
89,143,955 76,584,681
21,080,598 18,141,270
23,040 23,040
1,474,880 1,474,880
1,134,573 1,134,573
821,429,911 792,525,245
1,448,770,250 1,402,565,515
1,040,550,815 986,780,932
4,768,438,200 4,530,929,977
1,378,488,612 1,310,786,849
35,510,018 34,643,920
0 0
170,543,644 194,907,021
120,425,386 128,453,745
101,894,978 90,868,822
6,967,358 6,854,509
751,787,841 859,186,104
4,695,236,998 5,365,985,141
2,561,996,565 2,927,996,075
1,251,900,611 1,286,199,258
821,307 843,809
455,527,950 455,527,950
174,035,829 174,035,829
682,386,372,709 625,679,492,610
1,850
25,148

29,559
239,779
1
77,571
587,698
324,010
95,151
34,863
15,227
25,308
47,291
26,572
7,412
5,795
1,145
123
27
22
6
112
107
5,735
6,165
2,060
5,857
2,429
2

78,754
81,063
412
133
265,303
675,940
495,714
47,248
665
Expense rate as
% of SI, after
Expense rate as % conversion to % Total expense rate
of premium of premium as % of premium
NA1 6.00% 6.00%
NA2 6.00% 6.00%
NA3 6.00% 6.00%
NA4 5.33% 5.33%
NA5 5.42% 5.42%
NA6 5.43% 5.43%
NA7 5.33% 5.33%
NA8 6.33% 6.33%
NA9 6.33% 6.33%
NA10 4.60% 8.30% 12.90%
NA11 5.20% 6.20% 11.40%
NA12 8.40% 5.06% 13.46%
NA13 9.40% 5.15% 14.55%
NA14 5.40% 7.00% 12.40%
NA15 8.45% 5.70% 14.15%
NA16 8.45% 4.80% 13.25%
NA17 9.40% 4.00% 13.40%
NA18 9.40% 3.48% 12.88%
NA19 5.26% 5.24% 10.50%
NA20 1.95% 9.18% 11.13%
NA21 3.63% 7.00% 10.63%
NA22 4.71% 12.60% 17.31%
NB1 20.00% 20.00%
NB2 20.00% 20.00%
NB3 20.00% 20.00%
NC1 15.24% 15.24%
NC2 15.24% 15.24%
ND1 8.67% 8.67%
ND2 8.67% 8.67%
ND3 8.67% 8.67%
NHB1 18.00% 18.00%
NHB2 65.00% 65.00%
NR1 30.00% 30.00%
NR2 25.00% 25.00%
NR3 8.05% 8.05%
NR4 16.65% 16.65%
NR5 30.00% 30.00%
NR6 30.00% 30.00%
NR7 30.00% 30.00%
NR8 27.00% 27.00%
NR9 27.00% 27.00%
GB1/2007 -
GB2/2007 -
N¨m 2 N¨m 3 N¨m 4 N¨m5
NA4 Pro. Policy 0 1
Expenses 0.05 0.05
NA5 Pro. Policy 0 1
Expenses 0.07 0.05
NA6 Pro. Policy 0.4 0.6
Expenses 0.07 0.05
NA7 Pro. Policy 0.5 0.5
Expenses 0.05 0.05
NA8 Pro. Policy 0.5 0.5
Expenses 0.07 0.05
NA9 Pro. Policy 0.5 0.5
Expenses 0.07 0.05
NA10(5) Pro. Policy 0.2 0.4 0.2 0.3
Expenses 0.05 0.05 0.05 0.02
NA11(10) Pro. Policy 0.2 0.2 0.3 0.2
Expenses 0.07 0.05 0.05 0.05
NA12(15) Pro. Policy 0.2 0.3 0.3 0.1
Expenses 0.09 0.09 0.09 0.09
NA13(20) Pro. Policy 0.2 0.3 0.3 0.1
Expenses 0.1 0.1 0.1 0.1
NA14(9) Pro. Policy 0.3 0.3 0.2 0.1
Expenses 0.07 0.05 0.05 0.05
NA15(12 Pro. Policy 0.3 0.3 0.2 0.1
Expenses 0.09 0.09 0.09 0.09
NA16 (15) Pro. Policy 0.3 0.3 0.2 0.1
Expenses 0.09 0.09 0.09 0.09
NA17(18) Pro. Policy 0.3 0.3 0.2 0.1
Expenses 0.1 0.1 0.1 0.1
NA18 (21) Pro. Policy 0.3 0.3 0.2 0.1
Expenses 0.1 0.1 0.1 0.1
NA19(10-23)Pro. Policy 0.3 0.3 0.2 0.2
Expenses 0.06 0.06 0.06 0.03
NA20(7) Pro. Policy 0.3 0.3 0.2 0.1
Expenses 0.05 0.05 0.05 0.03
NA21(5) Pro. Policy 0.3 0.3 0.2 0.1
Expenses 0.04 0.04 0.04 0.02
NA22 (3) Pro. Policy 0.3 0.3 0.2 0.1
Expenses 0.03 0.03 0 0
NB1 Pro. Policy
Expenses
NB2 Pro. Policy
Expenses
NB3 Pro. Policy
Expenses
NC1 Pro. Policy 0.3 0.3 0.2 0.1
Expenses 0.2 0.15 0.15 0.15
NC2 Pro. Policy 0.3 0.3 0.2 0.1
Expenses 0.2 0.15 0.15 0.15
ND1 Pro. Policy 0.3 0.3 0.2 0.1
Expenses 0.1 0.07 0.07 0.07
ND2 Pro. Policy 0.3 0.3 0.2 0.1
Expenses 0.1 0.07 0.07 0.07
ND3 Pro. Policy 0.3 0.3 0.2 0.1
Expenses 0.1 0.07 0.07 0.07
NHB1 Pro. Policy
Expenses
NHB2 Pro. Policy
Expenses
NR1 Pro. Policy
Expenses
NR2 Pro. Policy
Expenses
NR3 Pro. Policy 0.3 0.3 0.1 0.1
Expenses 0.1 0.07 0.07 0.07
NR4 Pro. Policy 0.3 0.3 0.1 0.1
Expenses 0.2 0.15 0.15 0.15
NR5 Pro. Policy 0.3 0.3 0.1 0.1
Expenses
NR6 Pro. Policy 0.3 0.3 0.1 0.1
Expenses
NR7 Pro. Policy
Expenses
NR8 Pro. Policy
Expenses
NR9 Pro. Policy
Expenses
GB1/2007 Pro. Policy
Expenses
GB2/2007 Pro. Policy
Expenses
z=
N¨m 6+ % Premium %STBH Premium/STBH
5.00% 0.33%

5.00% 0.33% 18077835.24

5.80% 0.33% 17789207.59

5.00% 0.33% 100000000

6.00% 0.33% 23443979.1

6.00% 0.30% 20749801.29

0 4.60% 0.80% 0.1


0
0.1 5.20% 0.70% 0.11
0.03
0.1 8.40% 0.60% 0.11839118
0.03
0.1 9.40% 0.50% 0.12
0.04
0.1 5.40% 1.05% 0.15
0.03
0.1 8.45% 1% 0.18
0.04
0.1 8.45% 0.95% 0.19789050
0.04
0.1 9.40% 0.90% 0.22
0.04
0.1 9.40% 0.85% 0.24
0.04
0 5.26% 1.30% 0.25
0.03
0.1 4.71% 1.40% 0.15
0.03
0.1 3.63% 1.50% 0.22
0.02
0.1 1.95% 1.70% 0.14
0
20%

20%

20%

0.1 15.00% 0.23%


0
0.1 15.00% 0.23%
0
0.1 7.20% 1.44%
0
0.1 7.20% 1.44%
0
0.1 7.20% 1.44%
0
18.00%

65%

30%

25%

0.2 7.90% 0.15%


0.07
0.2 16.50% 0.15%
0.15
0.2 30.00%

0.2 30%

30%

27%

27%
%STBH (x)->% Premium (y)

Cash amount = x%STBH TB = y%Premium TB


59656.86
Average(Premium gèc/ 1 triÖu) = z
58704.39
Premium TB = z* STBH TB
330000 Cash amount = x%STBH TB= y% *z*STBH TB
y = x/z
77365.13

62249.4

8.2675482%

6.2474527%

5.0679450%

4.1577552%

6.9798944%

5.6803302%

4.8006347%

4.0072562%

3.4805153%

5.2476079%

9.1802285%

6.9642733%

12.5758463%
0 0 0

STBHTB
Product
Age qx male qx female average BV/NA1/1996 - Bao hiem nh
0 0.00263 0.00188 0 BV/NA2/1996 - Bao hiem nh
1 0.00103 0.00084 0 BV/NA3/1996 - Bao hiem tre
2 0.00099 0.00080 0 BV/NA4/1998 - Bao hiem va
3 0.00097 0.00078 0 BV/NA5/1998 - Bao hiem va
4 0.00093 0.00077 0 BV/NA6/1998 - An sinh giao
5 0.00088 0.00075 0 BV/NA7/2001 - An khang thi
6 0.00083 0.00073 0 BV/NA8/2001 - An khang thi
7 0.00078 0.00071 0 BV/NA9/2001 - An sinh giao
8 0.00075 0.00070 0 BV/NA10/2001 - An gia thinh
9 0.00074 0.00069 0 BV/NA11/2001 - An gia thinh
10 0.00075 0.00068 0 BV/NA12/2001 - An gia thinh
11 0.00081 0.00070 0 BV/NA13/2001 - An gia thinh
12 0.00092 0.00073 0 BV/NA14/2003 - An gia tai lo
13 0.00107 0.00077 0 BV/NA15/2003 - An gia tai lo
14 0.00124 0.00082 0 BV/NA16/2003 - An gia tai lo
15 0.00142 0.00087 0 BV/NA17/2003 - An gia tai lo
16 0.00159 0.00092 0 BV/NA18/2003 - An gia tai lo
17 0.00172 0.00096 0 BV/NA19/2005 - An sinh lap
18 0.00182 0.00100 0 BV/NA20/2005 - An sinh tha
19 0.00188 0.00103 0 BV/NA21/2005 - An sinh tha
20 0.00190 0.00106 0 BV/NA22/2005 - An sinh tha
21 0.00190 0.00108 0 BV/NB1/1996 - Sinh mang c
22 0.00188 0.00110 0 BV/NB2/1996 - Sinh mang c
23 0.00184 0.00112 0 BV/NB3/1996 - Sinh mang c
24 0.00180 0.00115 0 BV/NC1/1999 - Bao hiem tro
25 0.00175 0.00117 0 BV/NC2/2001 - An khang tru
26 0.00172 0.00120 0 BV/ND1/1999 - Bao hiem nie
27 0.00171 0.00124 0 BV/ND2/2001 - An huong hu
28 0.00170 0.00128 0 BV/ND3/2002 - An binh huu
29 0.00172 0.00132 0 BV-NHB1/2006 - Bao hiem c
30 0.00175 0.00137 0 BV-NHB3/2006 - Bao hiem c
31 0.00180 0.00142 0 BV/NR1/1998 - Bh thuong ta
32 0.00187 0.00147 0 BV/NR2/1998 - Bao hiem ch
33 0.00195 0.00154 0 BV/NR3/1999 - Bao hiem sin
34 0.00205 0.00161 0 BV/NR4/1999 - Bao hiem tu
35 0.00217 0.00170 0 BV/NR5/2001 - Bh thuong ta
36 0.00232 0.00182 0 BV/NR6/2001 - Bao hiem ch
37 0.00249 0.00196 0 BV/NR7/2001 - BH chet va T
38 0.00268 0.00213 0 BV/NR8/2004 - Quyen loi mi
39 0.00290 0.00232 0 BV/NR9/2004 - Q.loi mien no
40 0.00315 0.00253 0 BV-GB1/2000 - Bao hiem tu
41 0.00342 0.00275 0 BV-GB2/2007 - Bao hiem tu
42 0.00371 0.00298 0
43 0.00403 0.00320 0
44 0.00437 0.00344 0
45 0.00473 0.00368 0
46 0.00512 0.00392 0
47 0.00553 0.00419 0
48 0.00597 0.00448 0.01
49 0.00646 0.00479 0.01
50 0.00700 0.00513 0.01
51 0.00763 0.00550 0.01
52 0.00833 0.00592 0.01
53 0.00913 0.00638 0.01
54 0.01001 0.00685 0.01
55 0.01096 0.00733 0.01
56 0.01197 0.00780 0.01
57 0.01304 0.00825 0.01
58 0.01418 0.00870 0.01
59 0.01542 0.00920 0.01
60 0.01680 0.00980 0.01
61 0.01836 0.01054 0.01
62 0.02012 0.01149 0.02
63 0.02209 0.01263 0.02
64 0.02427 0.01392 0.02
65 0.02662 0.01529 0.02
66 0.02913 0.01671 0.02
67 0.03179 0.01813 0.02
68 0.03465 0.01959 0.03
69 0.03781 0.02123 0.03
70 0.04137 0.02316 0.03
71 0.04543 0.02553 0.04
72 0.05008 0.02847 0.04
73 0.05534 0.03199 0.04
74 0.06110 0.03605 0.05
75 0.06725 0.04056 0.05
76 0.07370 0.04545 0.06
77 0.08037 0.05068 0.07
78 0.08732 0.05632 0.07
79 0.09476 0.06257 0.08
80 0.10294 0.06967 0.09
81 0.11209 0.07783 0.09
82 0.12241 0.08725 0.1
83 0.13384 0.09790 0.12
84 0.14612 0.10962 0.13
85 0.15898 0.12229 0.14
86 0.17221 0.13582 0.15
87 0.18573 0.15018 0.17
88 0.19953 0.16538 0.18
89 0.21369 0.18154 0.2
90 0.22843 0.19885 0.21
91 0.24411 0.21768 0.23
92 0.26143 0.23869 0.25
93 0.28213 0.26341 0.27
94 0.30997 0.29523 0.3
95 0.35186 0.34102 0.35
96 0.42099 0.41388 0.42
97 0.54100 0.53724 0.54
98 0.74515 0.74396 0.74
99 1.00000 1.00000 1
Estimation of
average age qx
30 0
25 0 0.00494 29.56%
6 0 0.00104 75.30%
30 0 0.00000 #DIV/0!
25 0 0.00390 37.41%
6 0 0.00099 79.17%
30 0 0.00221 70.57%
25 0 0.00304 47.96%
6 0 0.00099 79.17%
30 0 0.00203 76.71%
25 0 0.00221 66.05%
22 0 0.00188 79.17%
20 0 0.00188 78.64%
30 0 0.00211 73.95%
25 0 0.00203 71.79%
22 0 0.00192 77.60%
20 0 0.00187 79.17%
18 0 0.00188 74.92%
8 0 0.00107 67.52%
8 0 0.00111 65.22%
9 0 0.00099 72.57%
10 0 0.00095 75.47%
30 0 0.00494 31.59%
30 0 0.01617 9.65%
30 0 0.00810 19.27%
30 0 0.00614 25.41%
30 0 0.00614 25.41%
30 0 0.00390 39.97%
30 0 0.00390 39.97%
30 0 0.00390 39.97%
30 0 0.00000 #DIV/0!
30 0 0.00000 #DIV/0!
30 0 0.00090 173.94%
30 0 0.00251 62.06%
30 0 0.00494 31.59%
30 0 0.00618 25.26%
30 0 0.00095 164.67%
30 0 0.00618 25.26%
30 0 0.00149 104.66%
30 0 0.00398 39.21%
30 0 0.00243 64.32%
30 0
30 0