FA-63498 / Actuarial life tables / Member archive

Net level annual premium: Premiums are valued as payable in arrears · case 03

Net premiums are too high because premiums are discounted an extra year.

Member previewVariant 3 · 3 implementations · 8 checks per implementation

Case contract

Input q (per 100000), n (coverage years), m (premium years, 1<=m<=n and n<=table length else 'invalid'), type term|endowment (else 'invalid type'), i (per mille), benefit. A = sum v^(k+1) kp q_k (+ v^n np for endowment); premium annuity-due over m years; return benefit*A/annuity 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
limited pay term	`3140345`	`3048879`	Failed

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