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中文摘要：
当购买死亡保险时，投保人需要选择投保的期限．以平均收益与风险的和为目标函数，讨论了在给定年龄x和安全载荷ρ的条件下，如何选择投保期限才能使得目标函数达到最大值．同时利用数值计算结果讨论了年龄对最优投保期限的影响．
英文摘要：
While purchasing life insurance, the insured should make a decision that how long the insurance period should be. The objective function is the sum of income expectation and risk. With given age x and safety loading p , it is studied how to obtain the objective function maximum by selection of insurance period. And with the results of numerical computation, the relation of age and insurance period is discussed.
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