人寿保险营业保费计算的常用方法包括三元素法、比例法和常数及比例法三种。关于三种方法，下列说法不正确的是（）。
A.三元素法是将附加费用分为三大类：新契约费用、维持费用和收费费用
B.比例法和常数及比例法比三元素法计算复杂
C.三元素法虽然精确，但计算过程复杂
D.常数及比例法是把附加费用分成两部分考虑
参考答案：B
解析：考点：人寿保险营业保费的计算。人寿保险营业保费计算的常用方法包括以下三种。三元素法是将附加费用分为三大类：新契约费用、维持费用和收费费用。三元素法虽然精确，但计算过程复杂，有时可用较为简单的比例法或常数及比例法。常数及比例法是把附加费用分成两部分考虑。
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