许多制造商都有为敲诈勒索保险的保单。
Many manufacturers have policies to protect themselves against blackmailers.
在保单的有效期内保证支付保险费。
他们的保险公司赔付了他们$900，尽管保单并没有严格保到此项。
Their insurer paid the $900 bill, even though the policy did not strictly cover it.
企业同意支付一定数额的保费，反过来，保险公司同意承担保单条款范围内的任何损失。
The organization agrees to pay a fixed premium, in return, the insurance company agrees to meet any losses which fall within the terms of the policy.
保单的数量并不影响其均值,但是会影响其标准差,所以这条曲线非常陡峭,而这就是保险的核心原理
Number of policies doesn't affect the means but it affects that standard deviation, so it becomes very collapsed and this is the basic core idea of insurance.
如果我们在一万后面加两个零，如果我们签了一百万份保单，那么这条曲线基本就是尖形了，这些都是保险的相关概念。
If we did a — if we go another two decimals — if we did a million policies, then we would — this would almost just be a spike here at that point, so that's the concept of insurance.
作为一个大的群体，这些客户将有更大的影响力与保险公司讨价还价，以获得价格更低，服务更好的保单。
As one big group, these customers will have greater leverage to bargain with the insurance companies for better prices and quality coverage.
这种掉期衍生品就像是保险保单；债券持有人购买这种衍生品，用以保护自己避免各种形式债务的违约风险。
Such swaps are like insurance policies; bondholders buy them to protect themselves from default on various forms of debt.
高监管强度交易或保险交易市场的建立，将使得那些不受雇主承保的投保者有更大的选择空间，可以更加简便、自由地选择保单。
Heavily regulated exchanges, or insurance marketplaces, would be set up so that consumers not covered by employer-provided plans today could shop for ones more easily.
例如，在保险领域，保单中的信息、声明和其它内容，在整个保险管理期间都是需要的。
For example, in an insurance domain it is a business requirement that the information in our Policy, Claim, and other objects must be maintained across usages of a Policy Management application.
两份计划要求，不论一个人的过往的健康怎样，私有商业保险公司都需向每个人提供保单。
Both plans require that private insurers offer policies to everyone, regardless of medical history.
劳合社在业内享有盛名，它不仅为大型集团设计保单，还能为名人身体的“重要部位”提供保险，弗莱德•亚斯坦（舞蹈家）的腿和滚石乐队凯斯•理查兹的手就是他们的“保户”。
Lloyd's is famous for creating policies for giant corporations but also for insuring celebrity limbs, from Fred Astaire's legs to the hands of Rolling Stones' Keith Richards.
所以签了100份保单的保险公司,仍然面临一定的风险
So, the insurance company with one hundred policies would have still substantial risk.
此外，(美国商业组织)保险信息研究所[注3]的罗伯特·哈特维希(Robert Hart wig)说，现有的大多数非寿险保单都是强制性的[注4]。
Moreover, says Robert Hartwig, of the Insurance Information Institute, an American trade body, most existing non-life policies are nondiscretionary.
最简单的寿险保单形式叫做定期人寿保险。
The simplest form of life insurance is called "term insurance."
但是，当然，你不是买张保单去赚钱的，你是买一份保险以防万一你过世之后保护你的家庭。
But, of course, you don't buy an insurance policy to make money. You buy an insurance policy to protect your family in case you die.
除此之外，在人们购买保险时，该如何得知保险公司，会严格按照保单言而守信呢？
Moreover, beyond that, how does one know, in taking out an insurance policy, that the insurance company is going to be sound?
另一个改进是参议院的计划不采取像众议院法案设想的那样，通过征收所得税抽干富人而筹集资金，而是通过向最贵的健康保险保单征收消费税。
Another improvement is that the Senate's plan raises money not by soaking the rich through income taxes, as the House bill envisions, but through excise taxes on the most expensive health policies.
下次当你的一个保单要续费的时候，对你会有超出预期的保险费率增长。
The next time one of your insurance policies is up for renewal, you may get hit with an unexpected rate increase.
那次崩溃波及多达一千万份保单以及保险业总资产的近10%。
The collapses affected 10m policies and almost 10% of the industry's total assets.
保单的概念其实很简单，我们可以谈谈火灾保险，或者人寿保险。
An insurance policy — the concept is very simple, we could talk about fire insurance or life insurance.
他说：“尽管如此，这类保单还有人寿保险性质，如果父母在80岁之前离去，保费会全。”
"However, this kind of policy also has a life insurance element, so it would pay out if the parent died before the age of 80," he says.
如果索赔申请太多了，保险公司可能就不会赔付为内部交易案投保的保单了。
If claims pile up, insurers may phase out policies that include cover for insider-trading suits.
许多保险公司已被房产抵押贷款证券拖垮，只剩两家以没甚吸引力的保金售卖保单。
But many of the insurers have been laid low by their exposure to mortgage-backed securities, leaving just two firms to sell guarantees at less attractive rates.
在加利福利亚，大部分的保单都由加利福利亚地震局，一家洲际运营的保险联营机构负责，虽然也有少部分的私人保险公司售卖地震保险。
In California, most policies are sold by a state-run insurance pool, the California Earthquake Authority, although a few private companies also sell earthquake coverage.
劳合社与荷兰的安联保险及英国的再保险经纪人本菲·尔德合作，共同设计了这份保单，并由沃特金斯集团共同承保。
Lloyds worked with Allianz Nederland and British reinsurance broker Benfield to create the policy, co-insured by Watkins.
但那时你的孩子们都长大了，你的房贷也还清了，所以寿险保单已经完成了它的任务。纽约保险顾问格伦·戴利(GlennDaily)说。
But by then your kids will be grown and your house paid for, so the policy will have done its job, says insurance adviser Glenn Daily of New York.
但那时你的孩子们都长大了，你的房贷也还清了，所以寿险保单已经完成了它的任务。纽约保险顾问格伦·戴利(GlennDaily)说。
But by then your kids will be grown and your house paid for, so the policy will have done its job, says insurance adviser Glenn Daily of New York.
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