Life-insurance人壽保險(xiǎn)大學(xué)畢業(yè)論文外文文獻(xiàn)翻譯及原文

畢設(shè)計(jì)論文）外文獻(xiàn)翻譯文獻(xiàn)、資中文題目：壽保險(xiǎn)文獻(xiàn)、資英文題目：Lifeinsurance文獻(xiàn)、資來(lái)源：文獻(xiàn)、資發(fā)表（出版日期：院（部專班姓學(xué)

業(yè)：級(jí)：名：號(hào)：指導(dǎo)教師翻譯日期2017.02.14LifeFromKennethBlakeofbedividedbasicclasses–temporaryorfollowing–universal,lifelifeinsurance.Insuranceassuranceprovideslifeinsurancefortermofyearsinexchangeapremium.policyaccumulateisgenerallyconsidered"pure"insurance,premiumprotectionintheeventofdeathandarefactorstobeconsideredinsurance:Faceamountbenefit),tobe(costtoinsured),ofcoveragesellwithofthreeparameters.faceamountremainconstantThecanforpremiumcanremainlevelorincrease.typesoftermincludeAnnualRenewableMortgageinsurance."TermpolicyhaspremiumfixedforperiodoftimelongeraThesetermscommonly5,15,25,30andevenLevelisusedlongtermmanagementpremiumsremainyearandcanbeAttheofterm,somecontainarenewalconversionoption.theitwillpolicyofequallesseramountwithouttotheinsurabilityoftheinsuredwithapremiumsetfortheattime.Somehoweverdoproofofinsurabilitytheirriskdeclinehigherriskclients(forthosethatbeterminal).thatrequiresproofofincludesathatallowstheinsuredtotheapermanentthatcompanyThiscanintoaexpensiveprogrambecauseofantiifneedcontinueRenewalandoptionsveryimportantwhenselectingprogram.Annualrenewabletermisapolicytheitwillpolicyofequallesseramountwithouttotheinsurabilityoftheinsuredandwithapremiumsetfortheinsured'satthatofmortgageinsurance,whichisusuallyafacepolicy.amountistoequalamountthemortgagethepolicyowner’sresidencesothemortgagewillbepaidiftheinsuredApolicyholderinsureslifeforaIfhethatup(withofseebelow),estatenamedreceivesaIfhenotdiebeforetermhenothing.insome(notablypolicyisthatpolicyholderreceivesamounthehasto,theamounttointhepastSuicideusedbeexcludedfromALLhowever,anumberofagainstthedooccurondeathbysuicideforinunlikelyitcanbethattobenefitfrompolicy).Generally,ifanpersoncommitssuicidewithinthepolicyyears,thewillreturnthepremiumspaid.awillusuallybeiftheafteryearInsurancePermanentislifeinsurancein(in-line)untilthepolicy(paysunlessthefailstopaythepremiumpolicyexpirespolicieslapse).policycannotbebytheforanyreasonexceptfraudinthatmustoccurwithinoftimeby(usuallytwoathatreducestheamountattothusexpenseovertime.Thismeansthatpolicywithmilliondollarfacevalueberelativelyexpensiveayearold.TheownercanaccessincashbywithdrawingborrowingthecashthepolicytheThefourofpermanentarelife,universallimitedpaylifewholelifeprovidesforaacashvalueinpolicybyTheofwholelifeareguaranteedfixedknownpremiums,mortalityandexpensechargeswillthecashvalueinpolicy.primarydisadvantagesofwholearepremiuminflexibility,andinternalrateofreturninpolicymaynotwithothersavingsAlso,thecashvaluesgenerallykeptbycompanyattimeofdeath,tothebeneficiaries.availablethatcantobenefitbyadditionalpremium.benefitcanbethroughtheuseofpolicydividends.Dividendscannotbehigherloweroveraremuchhighertermintheshortterm,butpremiumsareroughlyifpolicieskeptinuntilaverageexpectancy.ashcanbeaccessedanytimethroughpolicy"loans"received"income-taxfree".Sinceloansbenefitifnotpaidisthedeathbenefitbenefitpaidout.canutilizedinmanyFirst,ifupisdividendcashvalueswillpurchasedeathbenefitwhichwillincreaseofthepolicytonamedalternativeistooptinfor'reducedonsomepolicies.reducespremiumsbytheunguaranteedamount.Athirdallowstotheastheypaidout.(Althoughpoliciesother/different/lessoptions-ittheforcases)Universallifecoverageuniversalisarelativelyprovidewithflexibilityinpremiumpotentialforgrowthofcashvalues.Thereseveraltypesoflifepolicieswhich"traditionallifeinsurance"),lifeequitylifeinsurance.Auniversalpolicyincludesaincreasebutcostofinsurancewithanyotherchargesassessedbycompany)cashvalues.withtheofisoncashvaluesatabycompanyalsoWithwillflowrelativetotheperformanceofsubaccountspolicychosen.ofpolicyamountthepolicyownercharges,ifany.Universaladdressestheperceivedofwholethatpremiumsdeatharefixed.Withuniversallife,thepremiumsareflexible.withguaranteeddeathbenefitlife,flexibilitycomesatprice:reducedhowinteresttheofcanbehigheritmoveswithinterest(interest-sensitive)orfinancialmarketsUniversalVariableUniversalMortalitycostsadministrativeknown.Andbeeasilybecausetheownerpremiumsifcashallowsit.FlexiblebenefitmeansthepolicyownercanchooseThedeathcouldbebythepolicyownerthatwould(typically)requirethattheinsuredgothroughnewunderwriting.AnotherexampleofflexiblebenefitabilitychooseoptionAoroptiondeathbenefits-toabletothoseoptionslifeoftheinsured.AisasalevelGenerallywillremainforlifeoftheinsuredpremiumsexpectedtobelowerwithanBdeathBpaysamountvalue.Ifoverwoulddeathbenefitwhichistoinsured'sbeneficiaries.Ifcashdeathbenefitalsodecline.Bdeathbenefitpoliciespremiumoptiona人壽保險(xiǎn)人壽保險(xiǎn)的險(xiǎn)種可分為兩個(gè)基本類別即定期保險(xiǎn)和永久性終身保險(xiǎn)又可以分為以下的子類，長(zhǎng)期定期保險(xiǎn)，萬(wàn)能險(xiǎn)，終身壽險(xiǎn)及兩全保險(xiǎn)。定期壽險(xiǎn)是約定的時(shí)間內(nèi)交付保險(xiǎn)費(fèi)由保險(xiǎn)公司在此期間對(duì)被保險(xiǎn)人的保障的保險(xiǎn)。隨著時(shí)間的推移，這一保險(xiǎn)的現(xiàn)金價(jià)值逐漸的減少。長(zhǎng)期以來(lái)，定期保險(xiǎn)被認(rèn)為是最為簡(jiǎn)單的壽險(xiǎn)因?yàn)樗饕袚?dān)的是對(duì)被保險(xiǎn)人的生命的保險(xiǎn)責(zé)任并不負(fù)其它的責(zé)任。有三個(gè)將在定期保險(xiǎn)中考慮的關(guān)鍵因素：保險(xiǎn)金額（以死亡為給付的金額保險(xiǎn)費(fèi)用（投保人交付的保險(xiǎn)費(fèi)保險(xiǎn)期間（承擔(dān)保險(xiǎn)責(zé)任的時(shí)間段各保險(xiǎn)公司將這三個(gè)不同的因素結(jié)合銷售即為定期保險(xiǎn)保險(xiǎn)金額隨著時(shí)間的推移可以于一年或一年以上保持不變或下降保險(xiǎn)費(fèi)用可以保持水平或增加定期壽險(xiǎn)的保險(xiǎn)費(fèi)可以躉交或期交。期交保費(fèi)通常為一年及一年以上。這些年限51015202530，甚35年定期保險(xiǎn)通?？捎糜陂L(zhǎng)遠(yuǎn)規(guī)劃和資產(chǎn)管理因?yàn)楸ＹM(fèi)每年保持一致并且可以長(zhǎng)期預(yù)算。保險(xiǎn)到期時(shí)，可以續(xù)?；蚴墙Y(jié)束保險(xiǎn)合同。如果選擇續(xù)保，保險(xiǎn)公司再之后不考慮被保險(xiǎn)人可保性提出與被保險(xiǎn)人當(dāng)時(shí)的年齡設(shè)定保費(fèi)的金額等于或較小的優(yōu)惠政策。但有些公司并不續(xù)保，并要求結(jié)束合同，因?yàn)樗麄儾幌氤袚?dān)更大的風(fēng)險(xiǎn)。續(xù)?？梢允贡槐ｋU(xiǎn)人享受由保險(xiǎn)公司提供的終身保險(xiǎn)。續(xù)保可以使保護(hù)有更多的選擇同時(shí)也可以使保險(xiǎn)公司利用這個(gè)機(jī)會(huì)增加收入續(xù)保是對(duì)于保險(xiǎn)公司而言非常重要的選擇方案。續(xù)期保費(fèi)是一項(xiàng)保險(xiǎn)公司可以不考慮被保險(xiǎn)人與被保險(xiǎn)人當(dāng)時(shí)的年齡設(shè)定保費(fèi)的金額等于或較小的政策。另一種常見(jiàn)的類型是定期期交保險(xiǎn)通常保費(fèi)與保險(xiǎn)金額并不相同保險(xiǎn)金額可以使保單持有人按照其進(jìn)行房屋支付抵押貸款，并且對(duì)被保險(xiǎn)人進(jìn)行死亡給付。指保單持有人可確保被保險(xiǎn)人在指定的是否是生存狀態(tài)果被保險(xiǎn)未生存至規(guī)定的保險(xiǎn)期間（自殺除外由被保險(xiǎn)人的繼承人或是受益人領(lǐng)取保險(xiǎn)公司的賠償。如果被保險(xiǎn)人生存至保險(xiǎn)起見(jiàn)被保險(xiǎn)人或是受益人領(lǐng)取保險(xiǎn)公司的給付是，在某些的歐洲國(guó)家（特別是塞爾維亞險(xiǎn)政策是這樣，保單持有人可以擁有保險(xiǎn)公司對(duì)被保險(xiǎn)人的賠償或給付所有按照保單給付的情況都排除自殺問(wèn)題然而法院判決后指出在極不可能的情況確實(shí)發(fā)生的自殺死亡即可以證明自殺使得一部分人從中受益一般來(lái)說(shuō)如果被保險(xiǎn)人承包之后的兩年內(nèi)自殺的保險(xiǎn)人將退還保險(xiǎn)費(fèi)。如果被保險(xiǎn)人在承包兩年之后自殺，則保險(xiǎn)公司將賠付保險(xiǎn)金額。終身人壽保險(xiǎn)是終身壽險(xiǎn)是終身提供死亡或全殘保障的保險(xiǎn)在被保險(xiǎn)人死亡之時(shí)保險(xiǎn)公司將給付相應(yīng)的保險(xiǎn)金該種保險(xiǎn)不能取消由被保險(xiǎn)人任何欺詐的因素而解除合同必須發(fā)生在法律規(guī)定的時(shí)間內(nèi)（通常為兩年保險(xiǎn)公司可以規(guī)定隨著時(shí)間或是保險(xiǎn)費(fèi)收入而對(duì)現(xiàn)金價(jià)值進(jìn)行一個(gè)漸變的限制來(lái)降低風(fēng)險(xiǎn)這意味著假設(shè)一份終身壽險(xiǎn)如果在70歲領(lǐng)取，就可以得到相應(yīng)的給付，如果提前領(lǐng)取或是中途退保，則所領(lǐng)到的保險(xiǎn)公司的給付將有一定程度上的折損。消費(fèi)型保險(xiǎn)的四個(gè)基本類型是終身壽險(xiǎn)，萬(wàn)能險(xiǎn)，定額給付保險(xiǎn)和養(yǎng)老保險(xiǎn)。終身保險(xiǎn)的保險(xiǎn)期限承保至終身這種保險(xiǎn)的主要優(yōu)點(diǎn)是保證的死亡利益保證現(xiàn)金價(jià)值，固定和已知的年度保險(xiǎn)費(fèi)，死亡率和費(fèi)用，費(fèi)用不會(huì)減少現(xiàn)金價(jià)值。這個(gè)保險(xiǎn)的主要缺點(diǎn)是缺乏靈活性的保費(fèi)且內(nèi)部回報(bào)率可能無(wú)法與其他儲(chǔ)蓄替代品相競(jìng)爭(zhēng)此外現(xiàn)金價(jià)值一般是由保險(xiǎn)公司在被保險(xiǎn)人死亡的時(shí)間將保險(xiǎn)給付給受益人。身故賠償，也可以通過(guò)制定相關(guān)條款增加紅利的派發(fā)。紅利是不能得到保證的，隨著時(shí)間的推移可能高于或低于歷史匯率保費(fèi)要比在短期內(nèi)定期壽險(xiǎn)高但累計(jì)保費(fèi)大致相等，如果條款一直有效，能夠直至平均預(yù)期壽命。現(xiàn)金價(jià)值可在任何時(shí)間，通過(guò)保單貸款”，并獲得收入免稅。由于這些貸款降低死亡給付如果沒(méi)有還清投資回收期是可選的現(xiàn)金價(jià)值的支持所以只有死亡給付死亡保險(xiǎn)金入賬。紅利可以利用在許