中文摘要：

本文关注多生命模型的敏感性分析。我们主要考虑两种多生命模型：联合生命模型与最后生存者模型。文中分析了个体相关性结构对两种模型下净保费的影响并得到了相关的理论结果。文中的数值结果体现了相关性结构对净保费产生的重要影响。

英文摘要：

This paper focuses on the sensitivity analysis of multi-life status. We mainly consider two multi-life models, the joint-life model and the last survivor model. The influence of the individuals＇ correlation structure on the net premiums of the two models is discussed and some theoretical results are obtained. Numerical results show that correlation structure among the individuals have important influence on net premiums.