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Well, if they're down-rated, then nobody trusts them anymore as insurance companies.
好吧,如果他们被降级了,那么没有人会再信任这些保险公司了
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And then you choose one as your firm and one as your insurance.
然后，你选择一所肯定去的学校和一所保底学校。
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Then you need, as well--you need government regulation because the insurance companies don't seem to exist without it.
此外,还需要有政府制定的相关法规,因为没有相关法规保险公司就不会存在
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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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So I chose Sheffield as my firm and Liverpool as my insurance,
所以我选择了谢菲尔德大学作为我肯定去的，利物浦大学作为我的保底学校，
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Homes just stay where they are, so we have far fewer accidents, so they don't have to charge as high a premium for the insurance.
而住宅则是固定的,所以发生事故的情况也更少,这就导致保险公司对住房保险收取的保费,不会太高
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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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This will be an historical as well as a theoretical discussion of insurance.
这对于保险业来说,不仅具有历史意义,同样具有理论意义
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We are accustomed to thinking of insurance as a good thing.
人们已经习惯性地认为保险是个好东西。
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These insurance contracts have come across gradually through time as we develop the theory and-- I'll talk about the growth of insurance and about some of the components of it.
随着保险理论的发展,保险合约逐渐被人们认同,下面我要讲一下保险的发展历程,以及其中一些值得关注的部分
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The real insurance industry, as I mentioned before, began in the 1600s with the invention of probability theory and with the invention of life tables for-- the invention of actuarial science; but, it grew slowly.
正如我刚才所提到的,真正的保险始于17世纪,这得益于概率论,寿命表以及,精算学的产生,但是,它的发展很缓慢
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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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Now, the government insures deposits, as you know, through the FDIC -the Federal Deposit Insurance Corporation.
现在,政府对存款进行保险,如你所知,通过FDIC,全称为联邦存款保险公司
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It may sound like a small improvement but he just had very highly-paid insurance salesmen and they were paid as long as people kept their policy.
这听起来似乎是一个小进步,他只是高薪聘用了一些推销人员,他们只要能保住客户就能获得高额回报
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For example, let's talk about an insurance policy as an invention.
比如保单,这也是种发明。
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Insurance as an invention has to have what things?
保险作为一种发明,需要有哪些组成部分
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This is something that's very important in the United States because, as I mentioned, insurance regulation is divided up over the fifty states and the problem that that creates is-- it's a nightmare for insurance companies because every different state has different laws.
在美国,这个协会是非常重要的,因为,就像我所提及的,保险监管被分散到了五十个州,这对任何一个保险公司而言,都是一个噩梦,因为各州法律各有不同
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