Abstract
本文利用Copula函数刻画寿险中衰减因间以及个体之间的相依性，比较个体间独立情形与相依情形的联合生存分布。考虑相依多生命的一般对称状态在相依衰减因下的生存分布，并解释个体间相依性对一般对称状态的生存分布的影响。 In this paper, both dependencies in decrement causes and in lives in life insurance are depicted with the copula functions, and the joint survival functions of the multiple life are compared upon the cases of independence as well as dependence. A general symmetric status of multiple life under dependent causes of decrement is considered, and some influence caused by the dependence between the individuals on the survival functions of the general symmetric status is explained.
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