金融专业英语阅读（第二版）Chapter 17 Insurance Policy and Its Lifetime.pptVIP

保险周期是指保单的有效期，大多数公司都提供年度或者半年度的保单。 保险单是一种保险合同，包括对条款、承保范围、抚恤金以及可免项目的描述。 Chapter 17 Insurance Policy and Its Lifetime I. Open Questions 1. What are the terminologies related with insurance policy? 2. What are the necessary conditions and ways to choose the most suitable insurance policy 3. What are the lifespan of insurance policy and the process of policy’s operation? II. Teaching Plan This chapter will cover 3 hours. 2 hours for the introduction of background information and explanations of terms and the texts. And the other 1 hour for discussion and practice. III. Teaching Methods Translation of key sentences Paraphrasing of key words and expressions Explanation of new terms Summarizing of key passages Discussion of important issues Questions and answers: interaction between teachers and students IV. Background In the previous chapter, we have learned the history of insurance, which must be helpful for the study of insurance policy. In the modern society, insurance, as a charged welfare for the public, has become a systematic industry. Nearly everyone makes contact with insurance. Consequently, it is necessary and beneficial to comprehend and be familiar with insurance policy, its related components and the process of operation. V. Special Terms Policy term 保险周期 it refers to the length of time that the policy is in force. Most companies offer annual and semi-annual policies. Permanent life insurance 永久保险 it is an umbrella term for a variety of plans that combine a death benefit similar to a term life insurance plan with tax-sheltered savings arrangements. Permanent life policies, as their name implies, are meant to be held and paid into for the duration of the insured’s life. Because of this, there are significant fees associated with setting up the policy. Despite these fees, the tax advantages can make permanent life a valuable investment over a long period of time. 永久保险是将类似于定期人寿保险的死亡抚恤金与免税的存款安排结合在一起的总险种。永久保险是根据受保人的生命期限而支付的。因此，建立此险种也需要很多费用，出了这些费