Ideally, life insurance is insuring people-- or fire insurance is insuring people-- against independent events, so it's not the fire of London.

理想状态下,人寿保险,或者是火灾险,承保的对象都是独立事件,伦敦大火的例子不在讨论范围

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It's not going to burn any other houses down since it's just completely independent of anything else.

由于火灾是独立事件,他的房子着火了并不会烧毁别人的房子

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