The invention provides an insurance service
processing method, device and equipment based on a sub-balanced insurance premium
algorithm, and a storage medium, and the method achieves the
automatic processing of a life insurance product from parameter input, actuarial modeling,
algorithm calculation to insurance policy generation through embedding an innovative sub-balanced insurance premium actuarial
algorithm in a life insurance service
processing system. The core invention of the method is to construct an insurance premium
conversion function model under the constraint of life insurance responsibility reserve fund, perform segmented modeling and dynamic conversion on first-year total insurance premium and non-first-year total insurance premium, and realize the conversion through program codes, so that the defect that a traditional algorithm cannot ensure that the life insurance responsibility reserve fund must be counted and extracted in a compliance manner can be eliminated; and the
payment burden of the insurance applicant in the subsequent year can be effectively reduced. The algorithm is high in
system efficiency, saves occupied computing resources, is low in underwriting cost, and can reduce the risk of insurance policy
information leakage through online operation. The method is suitable for all life insurance products, and can achieve the maximization of guarantee capability, the optimization of anti-risk performance and the intelligentization of business operation.