金融英语词汇解释 第六章.pdf

第六章 1 Premiums 1 Premiums 11、PPrreemmiiuummss 保费 Insurance companies sell insurance policies, which are legally binding contracts for which the policyholder pays insurance premiums 2 Risk bearers 2 Risk bearers 22、RRiisskk bbeeaarreerrss 风险承担者 According to the insurance contract, insurance companies promise to pay specified sums contingent on the occurrence of future events, such as death or an automobile accident. For insurance companies, they accept or underwrite 给...保险；承诺支付the risk in return for an insurance premium 2 Underwriting process 2 Underwriting process 22、UUnnddeerrwwrriittiinngg pprroocceessss 销售过程 It is deciding which applications for insurance they should accept and which ones they should reject, and if they accept, determining how much they should charge for the insurance 3 Life Insurance 3 Life Insurance 33、LLiiffee IInnssuurraannccee 人寿保险 For life insurance, the risk insured against is the death of the “insured”. 4 Health insurance 4 Health insurance 44、HHeeaalltthh iinnssuurraannccee 健康保险 In the case of health insurance, the risk insured is medical treatment of the insured. 5 Property and casualty insurance 5 Property and casualty insurance 55、PPrrooppeerrttyy aanndd ccaassuuaallttyy iinnssuurraannccee 财产与意外伤害保险 The risk insured by Property and casualty (PC) insurance companies is damage to various types of property. Specifically, it is insurance against financial loss caused by damage, destruction, or loss to property as the result of an identifiable event that is sudden, unexpected, or unusual. 6 Liability Insurance 6 Liability Insurance 66、LLiiaabbiilliittyy IInnssuurraannccee 责任保险 The risk insured against is litigation, or the risk of lawsuits against the insured due to actions by the insured or others. 7 Disability Insurance 7 Disability Insurance 77、DDiissaabbiilliittyy IInnssuurraannccee 伤残险 It insures against the inability of employed persons to earn an income 8