FA-63467 / Actuarial life tables / Member archive

Term insurance net single premium: Year-end claims are discounted from the start of the year · case 02

Year-end term premiums are overstated by a year of interest.

Member previewVariant 2 · 3 implementations · 8 checks per implementation

Case contract

Input q (per 100000 from the issue age), n, i (per mille), benefit (cents), timing eoy|immediate. n > table length -> 'table too short'. A = sum_{k<n} v^(k+1) kp q_k with exact rationals; immediate payment multiplies benefit*A by i/ln(1+i). Return the premium in cents rounded half-up.

Why this case matters

Life-table arithmetic compounds across ages, so one misplaced index or assumption shifts every downstream value.

One recorded failure

Sample boundary fixture

This sample comes from the broken implementation of a controlled reproducer.

Boundary fixture	Actual	Expected	Outcome
five-year term year-end	`42283381`	`41051826`	Failed

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