《金融英语》郭书彩12.docVIP

Insurance companies may be classified into two groups: ·Life insurance companies, which sell life insurance, annuities and pensions products. ·Non-life, general, or property/casualty insurance companies, which sell other types of insurance. In most countries, life and non-life insurers are subject to different regulatory regimes and different tax and accounting rules. The main reason for the distinction between the two types of company is that life, annuity, and pension business is very long-term in nature — coverage for life assurance or a pension can cover risks over many decades. By contrast, non-life insurance cover usually covers a shorter period, such as one year. Insurance companies are generally classified as either mutual or stock companies. Mutual companies are owned by the policyholders, while stockholders (who may or may not own policies) own stock insurance companies. Reinsurance companies are insurance companies that sell policies to other insurance companies, allowing them to reduce their risks and protect themselves from very large losses. The reinsurance market is dominated by a few very large companies, with huge reserves. There are also companies known as insurance consultants. Like a mortgage broker, these companies are paid a fee by the customer to shop around for the best insurance policy amongst many companies. 保险公司可分为两类： ·人寿保险公司，销售人寿保险，年金和养老金产品。 ·非寿险，一般情况下，或财产/伤亡保险公司，销售其他类型的保险。 在大多数国家，寿险和非寿险保险公司都受到不同的监管制度和不同的税收和会计规则。 两类公司之间的区别的主要原因是生活，年金，养老金业务是非常长期的性质-人寿保险或养老保险覆盖面，覆盖了许多风险，几十年来。 相比之下，非寿险保险通常包括一个较短的时期，如一年。 保险公司一般都划分为相互或股份公司。 相互公司所拥有的保单持有人，而自己的股票的股东（他们可能或可能不是自己的政策）的保险公司。 再保险公司是保险公司的销售政策，其他保险公司，让他们减少他们的风险和保护自己非常大的损失。 再保险市场主要是由一些非常大的公司，与庞大的储备。 也有被称为“保险顾问”的公司。 抵押贷款经纪人一样，这些公司由客户支付的费用店当中，许多公司的最佳的保险政策。 类似的保险顾问，“保险经纪”的商店当中，许多公司的最佳的保险政策。 然而，随着保险经纪，费用通常是支付佣金的形式从被选中，而不是直接从客户端的保险公司。 Life：Annuities provide a stream of payments and are generally classified as insurance because they are issued by insurance companies。Annuities and pensions that pay a benefit