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so today i would like to show you this some formulas of life initiative contracts so we are going to start with the online assurance contract so what is the life insurance contract so the life insurance contract is an assurance contract which be the schwartz on the police order death so some assurant lets see is cause of the summer showing so the expected present value is given by sv k x plus 1 so that means x expected plus the value which is in given by a x is equal to x 0 to infinity v k plus 1 times k proper bit of dying so that is the handle so we can use this one to find the sum press the value of or this one is computational you can use m x over d x is the same as this one so another one number two youre going to so so im sorry so how can you find the pres the variance of this one so the balance the variance is equal to so you can see variance is equal to plus a hex squared how can you solve this one you can look direct to the left table or e you have given a percent if this
