This is insurance that you pay each year for insurance in that year and it does not build a cash value.
为了这种保险可以持续生效,你每年都要缴纳保费,保费不产生现金价值
I work for a large insurance company,
我在一家很大的保险公司工作,
When you do these calculations, which I just did for insurance-- I was talking about insurance companies-- assuming that risks are independent, everything's independent and we've got it all figured out.
当你试图去,做保险相关计算时,我指的是保险公司...,假定风险是独立的,事件都是独立的,可以算出一个结果
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。
Will you sign up for ten percent of the value of this insurance?"
你愿意付10%的钱作为保险金吗"
and then buy insurance for it later.
你不能撞坏车以后才去投保。
That then became the basis for insurance.
那便是保险诞生的基础
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
I think that deposit insurance is very important but we didn't have anything for corresponding accounts at brokerage services until 1970.
所以存款保险是至关重要的,在1970年前,在经纪服务业务中,对于对应账户还未有保护举措
You have to exclude those causes that generate moral hazard problems for the insurance to work; otherwise, the whole system will fail.
你得将一些,有可能会产生道德风险的情况,排除在外;,否则,整个保险系统就失效了。
I can buy insurance for myself this year and I can stop and if I--there's nothing gained-- or next year I would just have to pay it again.
这一年也许我会买这种保险,但是如果觉得划不来了,我可以停买,或者在下一年续买
And for all I know, Ivan Ilyich had life insurance.
而且也有买人寿保险。
She said, we have it now at Swiss Re and, of course, The World Bank sponsors crop insurance for farmers.
她说,我们公司推出了农作物保险业务,而且世界银行也向农户提供保险补贴
There's the insurance company, could be a corporation and it could be either a non-profit corporation or a for-profit corporation owned by shareholders.
一个保险公司,可以是,非盈利性股份公司,也可以是以盈利为目的的股份公司
For example, let's talk about an insurance policy as an invention.
比如保单,这也是种发明。
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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