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Medical historians say he may have reported the bite as an accident so his family would not be denied money from his life insurance policy.
VOA: special.2009.01.27
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She found that there was a lot of resistance to the purchase of life insurance in the nineteenth century.
她发现19世纪的人们,对购买寿险有很强的抵触情绪
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I don't know how you think of life insurance salespeople, but they have been pillars of the community.
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
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People, for example, take out life insurance so that-- well, here's what seems to be the explanation.
比如人们，为自己买人寿保险-,这个行为的理由可能就是。
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The third thing I was going to report was that sociologist Viviana Zelizer wrote a book about life insurance sales in the nineteenth century.
我要讲的第三件事是,社会学家维维安娜·泽利泽写的一部关于,19世纪寿险销售情况的著作
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In the case of life insurance, they developed actuarial tables that require a collecting of statistics.
就人寿保险来说，还需要开发出精准的表格,这需要收集很多统计数据。
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An insurance policy--the concept is very simple, we could talk about fire insurance or life insurance.
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。
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We have to exclude certain causes, like suicide, in the case of life insurance.
我们得排除某些特定情况，例如在人寿保险中自杀为除外责任。
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It's a whole life policy that gives the policyholder flexibility over the insurance premiums.
作为终身寿险的一种,它为投保人的保费提供了灵活性
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Life insurance is--what it insures is a beneficiary against the death of an insured.
寿险公司针对被保险人的死亡,向受益人提供保险
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All the sick people will come to you to buy life insurance and they will turn out to have a higher death rate than the population at large.
所有生病的人都会向你购买人寿险,而他们比普通人群,有着更高的死亡率
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Back in the 1840s, life insurance was very important because the average expectancy of life was only something like forty-five years, so that meant parents were dying left and right.
在19世纪40年代的时候,寿险是非常重要的,因为当时的人均期望寿命,仅为45岁左右,这意味着双亲平均只能活到45岁
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They would tell these women, you know, if you buy life insurance on your husband, then should anything happen your husband can love and protect you from beyond the grave.
他们会告诉这些女人,如果你为你的丈夫购买了寿险,那么万一有意外发生,你丈夫的在天之灵仍会保佑你渡过难关
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The big problem life insurance had was people would buy it and they'd pay for several years and eventually they would think, well we didn't die, we're losing all this money, let's just cancel the insurance.
人寿保险的一个主要问题是,人们在购买了若干年保险后会突然觉得,我们并没有死,保费白花了,我们干脆把保险取消好了
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You would buy life insurance on both the husband and the wife -you might do different amounts; it's done by families with young children to protect them against the economic cost of the death of one of their parents.
夫妻双方都应该购买寿险,但两份保险的金额可以有所不同,这适用于有小孩子的家庭以弥补,因父亲或母亲去世而带来的经济损失
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Since many people write wills, many people take out life insurance, it seems as though the natural thing to suggest is that many, or at least perhaps most, at least many people believe they're going to die.
既然有很多人写遗嘱，很多人上生命保险，似乎很自然地可以得出，至少大部分人，至少有很多人是相信自己会死的。
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There's something called "variable life," which refers to a life insurance policy where the policyholder can make decisions about the investment of the money in the whole life policy.
有种保单叫做"可变寿险",作为终身寿险的一种,投保人可以自主选择,在终身寿险上进行多少投资
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What Zelizer reported was that some life insurance companies surmounted this problem by changing the pitch, by telling their salespeople, don't try to explain probability theory to these people.
泽利泽发现有些寿险公司,通过改变营销思路克服了这个难题,他们告诉自己的推销员,不要试图给你的客户讲概率论
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The simplest form of life insurance is called "term insurance."
最简单的寿险保单形式叫做定期人寿保险
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Well, what she found was that life insurance salespeople were going to families and trying to sell them on life insurance by explaining the concept and they would say something like I did.
这是因为她发现当时的保险推销员,总是来到客户家中,并且希望通过介绍各种概念来推销保险,他们会说一些类似我之前讲过的东西
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He got talented, respected members of the community who people admired to become life insurance salesmen and he had to pay them enough so that they would stick with the job; then it finally worked.
他将社区中那些具有天赋且受人欢迎的人,聘为寿险推销员,并且通过高薪来激励他们坚守岗位,这个策略最终成功了
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They have to pay--the premium has to cover the costs, so it was tough to get someone to buy life insurance even though they really needed it--it was such a good idea for them.
因为保费必须要超过保险公司的成本,因此,尽管寿险很好,人们也需要它,但是真正要说服人们购买,却是很困难的
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