中文摘要：

本文深入地讨论了长寿风险对未来年金净保费的影响。一方面在随机死亡率预测的基础上,对未来年金净保费的概率分布特征进行研究,另一方面,基于年金定价的角度,在长寿风险存在的条件下比较了即期生存年金与延期生存年金二者的差异。

英文摘要：

This paper has discussed the influence of longevity risk on future net single life annuity premium. On the basis of future mortality prediction, the paper has discussed the distribution of future net single life annuity premium. In order to compare the impact of longevity risk for different annuity product, the paper did a comparison between Immediate annuities and deferred annuities.