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Whole life" is more complicated because it builds a cash value according to a schedule and there is both non-participating and participating.
终身人寿保险则更为复杂,因为它会按照购买计划产生现金价值,其中又分为非参与式分红保险和,参与式分红保险两种
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and the lawyers and the insurance brokers and all those kind of buildings here.
律师、保险代理商和所有这类的大楼。
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I stressed in the third lecture that like any--insurance, like any other risk management device, is an invention.
在第三次课上我已经强调过了,保险和其它风险管理工具一样,是一种发明
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But because they have such a good reputation, on the bases of ratings and other kinds of securities, people just took them as they were.
但是这些评级公司有着良好声誉，基于他们传统的评级,和对其他保险的评级，人们自然相信他们。
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The long-term fiscal challenge is largely a product of promises in our entitlement programs, medicare, medicate and social security that we have made the future generations that we cannot afford to keep.
长期财政挑战很大一部分原因,是我们承诺了很多津贴项目，我们承诺给下一代的,医疗保险和社会保险,而现在我们又没法兑现。
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In order to devise an insurance contact that does this job, we have to have a contract between an insurance company and the insured.
要想设计一个保险合约,要想做这项工作，我们得在保险公司和,被保险人之间建立一个合约。
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Before that, as I said before, insurance is really the same thing as securities.
在这之前,正如我前面所说,保险实际上和证券是一回事
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Insurers, just like mutual funds, are providing risk pooling for you.
保险公司和共同基金一样,为客户提供风险汇聚服务
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So, it was in the 1600s that probability theory started to get written down as a theory and many things then happened in that century that, I think, are precursors both to finance and insurance.
所以直到十七世纪,概率论,才被记录下来,形成理论,并且在那个世纪里诞生了,金融和保险的雏形
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These are insurance--or P&C--these are insurance companies that insure the value of a home or a business or an automobile.
简称P&C,这类保险公司,专门提供住宅,商业和汽车财产保险
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I think it's the most important theoretical concept that underlies finance and insurance, which we'll also talk about a little bit in this course.
我认为,这是构成金融学和保险学,最重要的理论核心概念,而这些我们在以后的课程中,还会再提到
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What worries you about America today, terrorism, wars in Iraq, Afghanistan, economy, the deficit, medicare, social security or America's place in the world, which many say sliping or begining to slip?
今天的美国哪些地方让你担心呢，恐怖主义，对伊拉克和阿富汗战争，经济，赤字，医疗保险，社会保障,还是美国的国际地位，有人称美国的地位正在或开始下滑？
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Kahneman and Tversky also-- and others have also talked about insurance.
卡内曼和特沃斯基以及-,很多人都谈论过保险。
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People never thought of insurance as the same as a bank, but since this is relatively recently-- that was only nine years ago--at this time, it means that we are now seeing an expansion of our banking system in the U.S.
人们从来不认为保险和银行是一回事,但是从那法案之后它们就是差不多的了,这只不过是九年前的法案,但是现在,这意味着在美国,银行系统得到了扩张
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In Renaissance Italy they started writing insurance policies-- I read one of the insurance policies, it's in the Journal of Risk and Insurance-- and they translate a Renaissance insurance policy and it's very hard to understand what this policy was saying.
在文艺复兴时期的意大利,人们开始编写保单,我看过其中一份,刊登在《风险和保险杂志》上,他们翻译了一份文艺复兴时期的保单,但是很难理解那份保单到底想说什么
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