金融英语词汇解释 第六章.pdf

第六章
1、Premiums保费
Insurancecompaniessellinsurancepolicies,whicharelegallybinding
contractsforwhichthepolicyholderpaysinsurancepremiums
2、Riskbearers风险承担者
Accordingtotheinsurancecontract,insurancecompaniespromiseto
payspecifiedsumscontingentontheoccurrenceoffutureevents,
suchasdeathoranautomobileaccident.Forinsurancecompanies,
theyacceptorunderwrite给...保险；承诺支付theriskinreturnforan
insurancepremium
2、Underwritingprocess销售过程
Itisdecidingwhichapplicationsforinsurancetheyshouldacceptand
whichonestheyshouldreject,andiftheyaccept,determininghow
muchtheyshouldchargefortheinsurance
3、LifeInsurance人寿保险
Forlifeinsurance,theriskinsuredagainstisthedeathofthe“insured”.

4、Healthinsurance健康保险
Inthecaseofhealthinsurance,theriskinsuredismedicaltreatment
oftheinsured.
5、Propertyandcasualtyinsurance财产与意外伤害保险
TheriskinsuredbyPropertyandcasualty(P&C)insurancecompanies
isdamagetovarioustypesofproperty.Specifically,itisinsurance
againstfinanciallosscausedbydamage,destruction,orlossto
propertyastheresultofanidentifiableeventthatissudden,
unexpected,orunusual.
6、LiabilityInsurance责任保险
Theriskinsuredagainstislitigation,ortheriskoflawsuitsagainstthe
insuredduetoactionsbytheinsuredorothers.
7、DisabilityInsurance伤残险
Itinsuresagainsttheinabilityofemployedpersonstoearnanincome
8、Long-TermCareInsurance长期护理保险
Itprovidescustodialcarefortheagedwhoarenolongerabletocare
forthemselves
9、Annuity年金
Itisoftendescribedasamutualfundinaninsurancewrapper.Itis
treatedasaninsuranceproductandasaresultreceivesapreferential
taxtreatment.Specifically,theincomeandrealizedgainsarenot
taxableifnotwithdrawnfromtheannuityproduct.Itcanbeeither
fixed,orvariable.
10、Bankassurance银行保险
Insurancecompaniesareattractedbycommercialbankcustomer
contacts.Asaresult,commercialbankdistributionofinsurance
companyproductshasgrownconsiderably.
11、StockInsuranceCompany股份保险公司
Itissimilarinstructuretoanycorporationorpubliccompany.Shares
(ofownership)areownedbyindependentshareholdersandare
tradedpublicly.Theshareholderscareonlyabouttheperform