life-insurance人寿保险大学毕业论文外文文献翻译及原文

《life-insurance人寿保险大学毕业论文外文文献翻译及原文》由会员上传分享，免费在线阅读，更多相关内容在学术论文-天天文库。

1、文献文献文献文献毕业设计（论文）外文文献翻译资料中文题目：人寿保险资料英文题目：Lifeinsurance资料来源：资料发表（出版）日期：院（部）••专业：班级：姓名：学号：指导教师.•翻译日期:2017.02.14LifeinsuranceFromKennethBlakeTypesoflifeinsurancemaybedividedintotwobasicclasses—temporaryandpermanentorfollowingsubclasses-term，universal,wholelifeandendowmentlifeinsurance.TermIn

2、suranceTermassuranceprovideslifeinsurancecoverageforaspecifiedtermofyearsinexchangeforaspecifiedpremium.Thepolicydoesnotaccumulatecashvalue.Termisgenerallyconsidered’’pure"insurance，wherethepremiumbuysprotectionintheeventofdeathandnothingelse.Therearethreekeyfactorstobeconsideredintermin

3、surance:Faceamount(protectionordeathbenefit),Premiumtobepaid(costtotheinsured)，andLengthofcoverage(term).Variousinsurancecompaniessellterminsurancewithmanydifferentcombinationsofthesethreeparameters.Thefaceamountcanremainconstantordecline.Thetermcanbeforoneormoreyears.Thepremiumcanremain

4、levelorincrease.CommontypesofterminsuranceincludeLevel,AnnualRenewableandMortgageinsurance.’’LevelTermpolicyhasthepremiumfixedforaperiodoftimelongerthanayear.Thesetermsarecommonly5，10，15,20,25,30andeven35years.Leveltermisoftenusedforlongtermplanningandassetmanagementbecausepremiumsremain

5、consistentyeartoyearandcanbebudgetedlongterm.Attheendoftheterm，somepoliciescontainarenewalorconversionoption.GuaranteedRenewal,theinsurancecompanyguaranteesitwillissueapolicyofequalorlesseramountwithoutregardtotheinsurabilityoftheinsuredandwithapremiumsetfortheinsured’sageatthattime.Some

6、companieshoweverdonotguaranteerenewal，andrequireproofofinsurabilitytomitigatetheirriskanddeclinerenewinghigherriskclients(forinstancethosethatmaybeterminal).Renewalthatrequiresproofofinsurabilityoftenincludesaconversionoptionsthatallowstheinsuredtoconvertthetermprogramtoapermanentonethat

7、theinsurancecompanymakesavailable.Thiscanforceclientsintoamoreexpensivepermanentprogrambecauseofantiselectioniftheyneedtocontinuecoverage.Renewalandconversionoptionscanbeveryimportantwhenselectingaprogram.Annualrenewabletermisaoneyearpolicybuttheinsurancecompanyguarantees