中文摘要：

家庭联合保险定价时，通常假定夫妻之间寿命是相互独立性的，这容易造成保险价格的扭曲．有鉴于此，本文摒弃生命体之间的独立性假设，采用Copula函数刻画夫妻未来余命的相关结构，并结合生命表函数，研究了一种家庭联合保险的保费厘定问题，推导出了均衡年保费的计算公式．最后，对影响家庭联合保险定价的Kendall秩相关系数进行了参数敏感性分析，数值模拟结果表明，夫妻关系的和睦程度是联合保险定价的不容忽视的要素．

英文摘要：

In pricing the family combined insurance, it twists the price under the assumption that the lifetimes of couples are independent. So, the paper abandons thus hypothesis, and simulates the remaining lifetimes of both indi- viduals with Copula function, then studies the pricing of family combined insurance with life table. Based on which, the calculation of the balanced premium is get. Then parameter sensitivity of Kendall rank correlation coefficient is analyzed, which influences the pricing of family combined insurance. The results of simulation show that harmonious degree of the couples is an indispensable factor to the pricing of the combined insurance.