虽然许多人买人寿险，但很少有人采取预防措施以避免因疾病而造成的长期收入损失。
While many people insure against death, far fewer take precautions against long-term loss of income because of sickness.
你有没有寿险保单或是退休计划？
样例规则选自我们的定期寿险示例。
一个业务规则示例：定期寿险。
这是因为当时将寿险卖出去是很困难的
The idea was that it was difficult to sell people on insurance.
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."
我们来考虑与定期寿险相关的业务规则。
Let's consider the case of business rules related to term life insurance.
为了支付一年的开销，父母只好将寿险兑换成现金。
Parents have cashed in life insurance policies to cover the cost of one year.
寿险公司针对被保险人的死亡，向受益人提供保险。
Life insurance is — what it insures is a beneficiary against the death of an insured.
囊括了日本家庭存款的四分之一；国家寿险的40%。
Its deposits represent a quarter of Japan's total household savings; its insurance arm accounts for 40% of the country's life-insurance policies.
你已经有积累了现金价值的终身寿险保单了？
首先，低于55岁的人选择人寿保险，最好是定期寿险。
First of all, your best option for life insurance is term insurance if you're under fifty.
她发现19世纪的人们，对购买寿险有很强的抵触情绪。
She found that there was a lot of resistance to the purchase of life insurance in the nineteenth century.
你可以想象当时的人们是多么需要寿险,但他们却不去购买保险
You should think that people would really want life insurance but they were not buying it.
据报道，其两个日本寿险部门将要出售给一家美国公司保诚金融。
Two of its Japanese life-insurance units are reportedly about to be sold to Prudential Financial, an American firm.
作为终身寿险的一种，它为投保人的保费提供了灵活性。
It's a whole life policy that gives the policyholder flexibility over the insurance premiums.
我不知道你们怎么看待寿险推销员，但他们已然成为了社区的支柱？
I don't know how you think of life insurance salespeople, but they have been pillars of the community.
比如说，如果你没有家庭负担，你可以选择一个简单的寿险保单。
For example, if you have nofamily dependent on you, you can get a simple life insurance policy.
比如说，如果你没有家庭负担，你可以选择一个简单的寿险保单。
For example, if you have no family dependent on you, you can get a simple life insurance policy.
保险营销员可能会劝你购买终身寿险或者万能险，不要让他们得逞。
An insurance salesman might try to coax you into whole life insurance or universal life insurance; don't let them!
糖尿病患者历时数十年才得以投保寿险；希望HIV携带者不会等得更长。
It took decades before diabetics could insure their lives; let's hope people with HIV do not need to wait much longer.
对于一个在越南正式推出产品仅四年的寿险公司来说，这是非常出色的表现。
This was the remarkableperformance of a life insurance firm only after four years fromofficially launching products in Vietnam.
外国保险公司直接或者间接持有的合资寿险公司股份，不得超过前款规定的比例限制。
The shares of a joint-equity life insurance company directly or indirectly held by a foreign insurance company shall not exceed the limit of proportion as stipulated in the preceding paragraph.
自从最高法院于1911年的一次裁定之后，美国人民就能自由交易他们的寿险保单了。
Americans have been free to trade their life-insurance policies since a Supreme Court ruling in 1911.
保险业分散风险是通过，与个人签订保险合同，比如寿险合同，或者火险合同。
Insurance pools risks like life risks or fire risks by writing policies to individual policyholders.
如果你认为你需要买一款终身寿险，找一个这方面的专家来帮你挑选这几种产品。
If you think you're a candidate for a permanent policy, find an independent expert to help you pick among these.
因为终身寿险的保费很高，客户有可能为了少交保费而降低保额（死亡抚恤金）。
Because premiums on permanent are high, you may be tempted to skimp on the death benefit.
但是，一些本地合资企业没有人寿险的经验，却只有在这个市场大捞一把的兴趣。
But some of the local JV partners, many of them without experience in life insurance, seem to have been more interested in making a fast buck.
但是，一些本地合资企业没有人寿险的经验，却只有在这个市场大捞一把的兴趣。
But some of the local JV partners, many of them without experience in life insurance, seem to have been more interested in making a fast buck.
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