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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Some people date fire insurance with the fire of London in 1666.

有些人将火险的历史追溯到,1666年的伦敦火灾

耶鲁公开课 - 金融市场课程节选