购买定期人寿保险以达到遗赠目标：时间相依案例
Purchasing Term Life Insurance to Reach a Bequest Goal: Time-Dependent Case
摘要：
我们考虑的问题是，个人如何使用定期人寿保险，以最大限度地提高达到给定的遗赠目标，在财务规划的一个重要问题的概率。我们假设个人购买即时定期人寿保险，保费连续支付。与Bayraktar et al.（2014）相比，我们允许死亡率随时间变化，正如我们所示，这大大使问题复杂化。
英文摘要：
We consider the problem of how an individual can use term life insurance to maximize the probability of reaching a given bequest goal, an important problem in financial planning. We assume that the individual buys instantaneous term life insurance with a premium payable continuously. By contrast with Bayraktar et al. (2014), we allow the force of mortality to vary with time, which, as we show, greatly complicates the problem.
机构、总结、中文摘要均由AI分析而来，可能存在错误，请以论文正文为准。
