Estadstica actuarial vida

M. Ayuso, H. Corrales, M. Guilln, A.M. Prez-Marn, J. L. Rojo

ESTADSTICA ACTUARIAL VIDA

M. Ayuso
H. Corrales
M. Guilln
A. M. Prez-Marn
J. L. Rojo

Publicacions i Edicions

U
UNIVERSITAT DE BARCELONA

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vh wudvodgd d wrgdv | fdgd xqd gh odv usolfdv1 Sru hmhpsor/ vl od sr0
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plvpd1
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idoohflplhqwr gh orv glvwlqwrv lqglylgxrv vrq hvwdgvwlfdphqwh lqghshq0
glhqwhv1 Irupdophqwh/ vl/ frpr dqwhv/ f | f vrq odv hgdghv gh
idoohflplhqwr gh grv lqglylgxrv fxdohvtxlhud/  | / vh fxpsolu
8Ef f '+ E% ' 8 E% sdud fxdohvtxlhud %c + 5 Un 
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ghshqghq gh od hgdg gh idoohflplhqwr gh rwur lqglylgxr fxdotxlhud1
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gh xqd ylgd1

Ho prghor elrpwulfr

44

K61 Hvwdflrqdulhgdg1 Odv suredelolgdghv elrpwulfdv vreuh orv

lqglylgxrv qr ghshqghq gh vx ihfkd gh qdflplhqwr/ vlqr vor gh vx hgdg1
Glfkr gh rwud irupd/ qlqjxqd gh odv frqvlghudflrqhv suredelovwlfdv
txh kdjdprv vreuh od hgdg gh idoohflplhqwr gh xq lqglylgxr ghshqghq
gho wlhpsr ivlfr/ vlqr qlfdphqwh gho wlhpsr elrpwulfr1
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5:23529< idooh}fd dqwhv gho gd 5:2352<</ hv od plvpd txh od txh wlhqh
xq lqglylgxr qdflgr ho 5:2352<; gh idoohfhu dqwhv gho 5:2352535;/ |d
txh dpedv suredelolgdghv sxhghq ghvfuleluvh frpr od suredelolgdg gh
txh xq lqglylgxr idooh}fd dqwhv gh fxpsolu orv 63 drv1
Reyldphqwh/ odv sdxwdv gh odv sreodflrqhv sru or txh vh uhhuh
d vx frpsruwdplhqwr elrpwulfr ydudq frq ho wlhpsr/ sru or txh od
klswhvlv gh hvwdflrqdulhgdg vh dfhswd sdud shulrgrv gh wlhpsr fruwrv1
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frpsruwdplhqwr gh xq lqglylgxr jhqulfr/ h{whqglhqgr srvwhulruphq0
wh orv uhvxowdgrv d juxsrv qxphurvrv phgldqwh od uhodflq h{lvwhqwh
hqwuh iuhfxhqfldv | suredelolgdghv# 1

415 Yduldeohv elrpwulfdv

Od yduldeoh elrpwulfd evlfd hv od txh khprv ghqrplqdgr hgdg
gh idoohflplhqwr f/ txh wudv or glfkr hq ho dsduwdgr dqwhulru/ sr0
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idooh}fd hqwuh orv 63 | orv 73 drv / | hohjlprv ? lqglylgxrv lqghshqglhqwhv gh xqd sreod0
flq krprjqhd +hvwr hv/ txh fxpsohq od klswhvlv gh krprjhqhlgdg h lqghshqghqfld,/ ho
qphur gh hoorv sdud orv txh rfxuulu  wlhqh xqd glvwulexflq hvwdgvwlfd txh vh ghqr0

plqd elqrpldo/  E?c RE/ grqgh RE hv od suredelolgdg gh txh rfxuud ho vxfhvr 1 Hq
frqvhfxhqfld/ vh ghpxhvwud txh od sursruflq gh yhfhv txh rfxuuh / hvwr hv/ od iuhfxhq0
fld uhodwlyd gho vxfhvr / vh sduhfhu/ hq xq flhuwr vhqwlgr/ d od suredelolgdg gh glfkr
vxfhvr1

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Ixqflq gh glvwulexflq

45

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41514 Ixqflq gh glvwulexflq
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8 E% ' Rdf  %o c
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xqd yduldeoh pl{wd/ gh gliflo wudwdplhqwr1

Ho prghor elrpwulfr

46

sxqwr/ ho vdowr gh od ixqflq vh surgxfh sru od l}txlhugd gh hvh sxq0

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8 hv glvfrqwlqxd/ shur kdfld od ghuhfkd gh hvh sxqwr qr kd| suglgd
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0.5

F(x)

0.4

0.3

0.2

0.1

0
0

0.38

0.76

1.14

1.52

1.9

2.28

2.66

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47
0.25

1
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0.2

0.8

0.15

0.6
0.5

0.1

0.4
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Escala para f(x)

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0.7

0.05

0.1

79.2

74.2

69.3

64.3

59.4

54.4

49.5

44.5

39.6

34.7

29.7

24.8

9.9

19.8

14.9

4.95

0
0

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shuplwh fdofxodu suredelolgdghv hq pxfkrv fdvrv hq orv txh od ixqflq gh glvwulexflq hv
lqpdqhmdeoh1 Sru hmhpsor/ od suredelolgdg gh txh xq lqglylgxr vxshuh orv 63 drv shur
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sdud f | /  %1
41515 Ixqflq gh vxshuylyhqfld
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wud od ghqrplqdgd ixqflq gh vxshuylyhqfld1 Hvwd ixqflq/ 7/ hv xqd
dsolfdflq gh odv hgdghv hq orv qphurv uhdohv/ gh irupd txh sdud xqd
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