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)、資來源：文獻(xiàn)、資發(fā)表（出版日期：院（部專班姓學(xué)

業(yè)：級：名：號：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，長期定期保險(xiǎn)，萬能險(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。長期以來，定期保險(xiǎn)被認(rèn)為是最為簡單的壽險(xiǎn)因?yàn)樗饕袚?dān)的是對被保險(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)會增加收入續(xù)保是對于保險(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說如果被保險(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)收入而對現(xiàn)金價(jià)值進(jìn)行一個(gè)漸變的限制來降低風(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)率可能無法與其他儲蓄替代品相競爭此外現(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