The estimation of annual average earthquake losses in life long period for simple reinforced concrete (RC) frames based stochastic method models is the focus of the article. An innovative assembly-based vulnerability methodology is firstly adopted for seismic loss estimation, that damage of the structure which connected into response of the structure under a given stochastic motions use nonlinear incremental dynamic analysis to estimate physical damage of columns and beams of buildings in a

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... iled. Description of the uncertainty of all parameters in research through appropriate probability distributions to reach quantification of the life-cycle seismic losses expected value. Moreover, the study is also to give the expected suggested insurance premium of RC buildings in China western high hazardous areas based Monte-Carlo stochastic simulation in its service lifetime.